Contacted by lowell - following a letter from BC solicitors

[strong123]

Re: Contacted by lowell - following a letter from BC solicitors

Yes.

See section 29(6) - link - of the Limitation Act 1980.


And I'd formed the impression that you were male.

That does now seem relatively unlikely.

Must be my masculine typing.....or maybe my username?

I had a feeling people may think I was a man.

[strong123]

Re: Contacted by lowell - following a letter from BC solicitors

Yes, if you affirm the debt by payment or word within the 6 years; the clock starts ticking again!

Funny old world, thought that you are a Man...
anyhow, I suggest that you check with your Bank RE: these payments.

Good luck!
X

In light of this new information, I have ordered bank statements, however they only go back as far as 2003. I defaulted on my debts around October 2001. I only know that because that's when I opened new bank account due to debts.

These payments in 08/09 are made by card. I find it very strange... are dca allowed to keep card details, for instance, if I made a one off payment for something, can they then use my card again and again without my knowledge or agreement? I know it sounds stupid but I know after having my son I did not speak to any dca to confirm, deny or pay!

Arghhh, I'm so frustrated! I guess I'll update with any new info.

Thanks again, your all brilliant, and I mean that!

[CleverClogs]

Re: Contacted by lowell - following a letter from BC solicitors

In light of this new information, I have ordered bank statements, however they only go back as far as 2003.

I do hope they won't charge too much, as you should get much the same data from a Subject Access Request (under section 7 of the Data Protection Act) and which costs a mere £10.

I defaulted on my debts around October 2001. I only know that because that's when I opened new bank account due to debts.

Then there should be a clear period of at least six years between the "cause of action" and you making the payments.

Unfortunately, there is bugger all chance that you'd be able to reclaim any monies paid.

These payments in 08/09 are made by card. I find it very strange... are dca allowed to keep card details, for instance, if I made a one off payment for something, can they then use my card again and again without my knowledge or agreement?

They certainly shouldn't, unless you had entered into a Continued Payment Authority agreement with the dirty, deceitful money-grubbers.

Did you report your card lost or stolen in or around October 2009? Changing a card number can sometimes be the only way to stop a CPA.

I know it sounds stupid but I know after having my son I did not speak to any dca to confirm, deny or pay!

It doesn't sound at all "stupid".

You then had your son to care for and, though his babbling might not make much sense, it would be preferable to the drivel uttered by some DCA call-centre monkey.

[strong123]

Re: Contacted by lowell - following a letter from BC solicitors

I do hope they won't charge too much, as you should get much the same data from a Subject Access Request (under section 7 of the Data Protection Act) and which costs a mere £10.


Then there should be a clear period of at least six years between the "cause of action" and you making the payments.

Unfortunately, there is bugger all chance that you'd be able to reclaim any monies paid.


They certainly shouldn't, unless you had entered into a Continued Payment Authority agreement with the dirty, deceitful money-grubbers.

Did you report your card lost or stolen in or around October 2009? Changing a card number can sometimes be the only way to stop a CPA.


It doesn't sound at all "stupid".

You then had your son to care for and, though his babbling might not make much sense, it would be preferable to the drivel uttered by some DCA call-centre monkey.

Ahh cc you always manage to make me laugh (in light of it)

I paid £3 that's for every statement from 03 -06. The rest I can see online. But now you mention about paying £10 for a report, can they go all they way back to 01? If so I'd very much like to go back that far. How can I order it, do you have a website I can go to?
I'd be really grateful if you could let me know. I think it's about time I get my head out of the sand and try and deal with this head on. I can't deal with the stress of it all anymore.

In answer to your question, re reporting my card reported stolen, I did have my bag stolen from back of my pram in 2010. So yes I did then..but last payment was in 09.

I don't care about getting the money back from the scum, I more concerned it affecting sb, if intact it does.

Thanks clever cloggs.

[wales01man]

Re: Contacted by lowell - following a letter from BC solicitors

Trying to fathom out what sex CC is

[FlamingParrot]

Re: Contacted by lowell - following a letter from BC solicitors

In light of this new information, I have ordered bank statements, however they only go back as far as 2003. I defaulted on my debts around October 2001. I only know that because that's when I opened new bank account due to debts.

These payments in 08/09 are made by card. I find it very strange... are dca allowed to keep card details, for instance, if I made a one off payment for something, can they then use my card again and again without my knowledge or agreement? I know it sounds stupid but I know after having my son I did not speak to any dca to confirm, deny or pay!

The good news is that the debts were already SBd when those payments were made. Many banks will only send you data for the past 6 years, so going back to 2003 is not bad, and if you're positive it was defaulted in 2001, you should have nothing to worry about. :thumb:

As for using your card, surely that card will have expired by now after 4-5 years, so you don't have to worry about that either.

[strong123]

Re: Contacted by lowell - following a letter from BC solicitors

That's correct, once there's a clear 6 year period without payment or written acknowledgment, it becomes SBd and any payments made AFTER that do not affect SBd status. :thumb:

It would all depend on whether there was a clear 6 year period without payments before 2008. :noidea:

Thank you, I really appreciate you taking the time to respond, all of you! I hope that I will be in a position to be able to do the same when I have a bit more knowledge and confidence that what I'm saying is right.

[FlamingParrot]

Re: Contacted by lowell - following a letter from BC solicitors

Ahh cc you always manage to make me laugh (in light of it)

I paid £3 that's for every statement from 03 -06.

:scared: :scared: :scared: :scared: :scared:

The rest I can see online. But now you mention about paying £10 for a report, can they go all they way back to 01? If so I'd very much like to go back that far. How can I order it, do you have a website I can go to?
I'd be really grateful if you could let me know. I think it's about time I get my head out of the sand and try and deal with this head on. I can't deal with the stress of it all anymore.

It's not a report as such, it's a SAR (Subject Access Request) under the Data Protection Act. I'll post the template shortly. :typing:

But they may not send data going back as far as 2001. I sent mine in 2010 and only went as far as 2004. It depends on the bank. :noidea:

In answer to your question, re reporting my card reported stolen, I did have my bag stolen from back of my pram in 2010. So yes I did then..but last payment was in 09.

I don't care about getting the money back from the scum, I more concerned it affecting sb, if intact it does.

It wouldn't if no payments were made between 2001 and 2008. :grin:

[FlamingParrot]

Re: Contacted by lowell - following a letter from BC solicitors

This is the SAR letter, it should be sent recorded delivery so you can track it, enclosing a PO for £10. They have 40 days to respond. :typing:

Dear Sirs

Ref: xyz

Subject Access Request - S.7 Data Protection Act 1998

Under the Data Protection Act 1984 and 1998, and including the right of subject access under these acts, I hereby request that you supply me with any and all historical data in your possession which, in any way appertains to me, including (but not exhaustively) a copy of the original signed executed agreement; statements of account; duplicate statements and/or print outs of all account transactions; all internal and external correspondence sent or received by you including memos, logs, notes, screen prints and transcripts; notes of manual interventions such as telephone attendants' notes, copies of stored telephone conversations, internal and external emails; any other information held on all types of media in any relevant filing system. If you have disclosed any information to a third party (with or without my express permission), will you please include details of this in your reply, along with notes of any legal action passed or pending (to include a true copy of default notices, court orders and the like).

Where any information that you provide includes any charges, for example returned payments, late payment fees, and so forth, would you please advise your breakdown of actual costs (liquidated damages) incurred for each charge, and the Term or Condition on which you rely upon to claim such a charge. I also require that you forward, within the above mentioned time scale, a true copy of the Terms and Conditions that were in force at the time my account was opened, and any subsequent amendments to those Terms and Conditions.

If you store any of the older records on microfiche, please be aware that the Information Commissioner deems this to be a relevant filing system under the Act. As such, any microfiche data must be sent to me in fully legible and comprehensible form.

Additionally, where there has been any event in my account history over this period which has required manual intervention by any member of your staff, or any other person, I require disclosure of any indication or notes which have either caused or resulted in that manual intervention, or other evidence of that manual intervention in relation to my business with you. If you are unable to supply this data because there has been no such manual intervention, then please be so kind as to confirm this in your response. I enclose the statutory maximum fee of £10.00 to access ALL data held by you about myself. You have 40 days in which to comply with this request.

Yours faithfully,

[strong123]

Re: Contacted by lowell - following a letter from BC solicitors

The good news is that the debts were already SBd when those payments were made. Many banks will only send you data for the past 6 years, so going back to 2003 is not bad, and if you're positive it was defaulted in 2001, you should have nothing to worry about. :thumb:

As for using your card, surely that card will have expired by now after 4-5 years, so you don't have to worry about that either.

I have 3 debts, they all defaulted around the same time. They have all been with several dcas, lowell now owning all of them. They must have felt like they hit the jackpot. Clever cloggs mention about getting a report that he paid a tenner for which I'd like to do. I can't go on my memory because by all accounts I was paying for something I didn't even know!

I know I got baby brain but this is plain silly! Lol

[jon1965]

Re: Contacted by lowell - following a letter from BC solicitors

Trying to fathom out what sex CC is

If you work it out I am sure we would all love to know, Cloggy included!

[FlamingParrot]

Re: Contacted by lowell - following a letter from BC solicitors

I have 3 debts, they all defaulted around the same time. They have all been with several dcas, lowell now owning all of them. They must have felt like they hit the jackpot. Clever cloggs mention about getting a report that he paid a tenner for which I'd like to do. I can't go on my memory because by all accounts I was paying for something I didn't even know!

See my post 54 above: http://www.legalbeagles.info/forums/...960#post380960

That's the letter you have to send with £10 to obtain copies of your statements, but you'd normally send that to the original lender rather than Lowell, who wouldn't be able to supply you with historical data. The SAR is person-specific, not account-specific, if you had more than one account with the same bank you can send just one SAR, however, if your 3 debts were with different banks, you'd have to send one to each one and it'd cost you £30 + postage.

[strong123]

Re: Contacted by lowell - following a letter from BC solicitors

See my post 54 above: http://www.legalbeagles.info/forums/...960#post380960

That's the letter you have to send with £10 to obtain copies of your statements, but you'd normally send that to the original lender rather than Lowell, who wouldn't be able to supply you with historical data. The SAR is person-specific, not account-specific, if you had more than one account with the same bank you can send just one SAR, however, if your 3 debts were with different banks, you'd have to send one to each one and it'd cost you £30 + postage.

Thanks so much for this...I actually thought it was some sort of website, duh!

Ok so one is whoolwhich, who would I contact about that??

Do you know if I had half the brain when I was 26 as I do now I would never have got into this mess.

[CleverClogs]

Re: Contacted by lowell - following a letter from BC solicitors

Trying to fathom out what sex CC is

If you work it out I am sure we would all love to know, Cloggy included!

Cloggy is almost too old and decrepit for sex.

Forget sildenafil citrate - ..] - think two lollipop sticks and a rubber band. msl:

[FlamingParrot]

Re: Contacted by lowell - following a letter from BC solicitors

Thanks so much for this...I actually thought it was some sort of website, duh!

There is a website for reference if you want to find out more: http://www.ico.org.uk/upload/documen...ml/access.html

They have their own SAR template letters on there but they are fairly generic, the one above is specifically tailored for this type of request to financial institutions.

Ok so one is whoolwhich, who would I contact about that??

The Woolwich Head Office:
The Woolwich,
Watling Street,
Bexleyheath,
Kent
DA6 7RR

Do you know if I had half the brain when I was 26 as I do now I would never have got into this mess.

It happens to the best of all, trust me on that one! :grin: You may think you owe a lot but there are some on here who owe a whooping £150k, puts things into perspective, doesn't it? :wof: