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I have three different addresses for Lowell Financial. Which do I send my letter to?

debtfreewannabe2010
debtfreewannabe2010 Posts: 41 Forumite
in Debt-free wannabe
The three addresses include the one on the prepaid envelope they sent me. Weirdly, there's one address on the direct debit form they've optimistically sent me, a different address on the prepaid envelope that came with the same letter and another address heading the threatening letter itself! Maybe I should send a copy to all three? Must I use Recorded Delivery? It's not the cost putting me off, but the insane queues at the Post Office. Any advice would be very gratefully received!
Thanks! :)
From Bad to Fair; An Excellent credit rating is now my aim!

Comments

  • DarkConvict
    DarkConvict Posts: 6,347 Forumite
    Part of the Furniture 1,000 Posts Name Dropper Combo Breaker
    Firstly, what letter do you want to send.

    Secondly, recorded delivery is to ensure they get your letter so in follow up letters you can refer to previous letters you sent, that were confirmed to have arrived (which they probably ignored anyway). If it is a CCA/SAR request the date of delivery provided is important.
    Although no trees were harmed during the creation of this post, a large number of electrons were greatly inconvenienced.

    There are two ways of constructing a software design: One way is to make it so simple that there are obviously no deficiencies, and the other way is to make it so complicated that there are no obvious deficiencies
  • DarkConvict
    DarkConvict Posts: 6,347 Forumite
    Part of the Furniture 1,000 Posts Name Dropper Combo Breaker
    Potential address- http://www.ico.gov.uk/ESDWebPages/DoSearch.asp?reg=4411771

    Registration Number: Z8222569

    Date Registered: 07 October 2003 Registration Expires: 06 October 2010

    Data Controller: LOWELL PORTFOLIO I LTD

    Address:
    ENTERPRISE HOUSE
    1 APEX VIEW
    LEEDS
    LS11 9BH
    Although no trees were harmed during the creation of this post, a large number of electrons were greatly inconvenienced.

    There are two ways of constructing a software design: One way is to make it so simple that there are obviously no deficiencies, and the other way is to make it so complicated that there are no obvious deficiencies
  • debtfreewannabe2010
    debtfreewannabe2010 Posts: 41 Forumite
    I don't know what CCA and SAR mean, sorry. I'm new to all this and don't know the jargon. :) I want to send the letter asking for 28 days while I seek advice about my debts.

    Thanks!
    From Bad to Fair; An Excellent credit rating is now my aim!
  • debtfreewannabe2010
    debtfreewannabe2010 Posts: 41 Forumite
    P.S funny that the address you've given me is the one on the direct debit form. I bet they ignore the mail that goes to the PO Box addresses!
    From Bad to Fair; An Excellent credit rating is now my aim!
  • handyman123_2
    handyman123_2 Posts: 2,029 Forumite
    Hi, debtfreewannabe2010,
    CCA = consumer credit agreement, or what you signed when opening the account agreeing with the terms and conditions. A SAR = subject accsess request or what they hold on file on you. I didnt know any of this a couple of months ago. DarkConvict and never-in-doubt are ace, follow the advice they give and you wont go far wrong.

    Best wishes handyman123.
    Mother Nature Don't Draw Straight lines, We are Broken Moulds in Life's Grand Design, We look a Mess but we're doing fine,
    Life Long Card Carrying Member Of the Union of Different Kinds.
  • DarkConvict
    DarkConvict Posts: 6,347 Forumite
    Part of the Furniture 1,000 Posts Name Dropper Combo Breaker
    Thanks for the vote of confidence, NID and the other regulars are much better at understanding it all though :)

    CCA info (and bit further down SAR templates to) - http://forums.moneysavingexpert.com/showthread.html?t=2305463


    For the 28 day letter i personally would send it recorded so if they hassle you during that time you have proof that they shouldn't be. Good luck.
    Use these people for advice - http://forums.moneysavingexpert.com/showthread.html?t=2077631
    Although no trees were harmed during the creation of this post, a large number of electrons were greatly inconvenienced.

    There are two ways of constructing a software design: One way is to make it so simple that there are obviously no deficiencies, and the other way is to make it so complicated that there are no obvious deficiencies
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