Lowell & a CCA Letter

mousehunt

Last Thursday my husband sent a CCA letter to Lowell from one of your standard template letters. Today he received this response, please how should we respond to this.

We are in receipt of your request for a copy of your credit agreement in accordance with section 78 (1) of the consumer credit act 1974.

We are requesting a copy of the agreement from the original lender with whom you originally entered into the agreement.

While we endevour to reply to you with the required information in the prescribed 12 day period under the consumer credit act, you will appreciate that this is dependant upon receipt of the information from the original creditor.

We wil advise you further if it will take longer than the prescribed period.

If you have any queries regarding the above please contact us on ..........

In the original letter he also asked for a signed true copy of the deed of assignment. As you can see they have not mentioned this, in the letter.

Should I re send a request for the deed of assignment or should I wait until the 12+2 deadline expires and send the 2nd letter.

Any help will be appreciated

Thank you

Sue

piglet39

Personally I would wait for the 12+2 to expire and then send the second letter.

Interestingly the responses I got from the DCA's that said this were not able to then supply the CCA. Remember though the debt does not disappear. We have used the CCA route as a tool to get the DCA's off our backs and pay them what we can afford as and when we can.

HTH

Piglet

shinyhead

Agree with Piglet.

Don't forget it's up to whoever is asking for payment to have the correct paperwork-so if a DCA has bought the debt their 'proof' should be that they have the original agreement passed to them from the original creditor. Doesn't seem to happen a lot of the time though.

mousehunt

Thank you for your help. We were trying to get things sorted out with Capital One who have the original debt. It had been in dispute with Capital One after my husband was made redundant and they did not honour the PPI. We are in the process of trying to claim some of this back from them.

Peekay32

mousehunt, that's an automated letter you got; don't bother reading too deeply into it.

Although of course, keep it for your records.