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Desperate!!
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Ok I'll do that in a couple weeks then, thanks sourcrates again!:)0
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Hello again I just wanted to give a quick update to my topics, in regards to the ccj from Lowell I still haven't heard anything from them since they informed me that they will now use their solicitors.
If you remember I Lowell a cca request about a debt that I do not remember and had a letter back saying that they have passed the account back to provident and will close the account and will update my credit file within 60 days. Does this just mean that they can't get the cca? If they have passed it back to provident shall I cca them? Thanks for all your time guys I do hope your all well!!0 -
monsterlane wrote: »Hello again I just wanted to give a quick update to my topics, in regards to the ccj from Lowell I still haven't heard anything from them since they informed me that they will now use their solicitors.
If you remember I Lowell a cca request about a debt that I do not remember and had a letter back saying that they have passed the account back to provident and will close the account and will update my credit file within 60 days. Does this just mean that they can't get the cca? If they have passed it back to provident shall I cca them? Thanks for all your time guys I do hope your all well!!
That could be the case yes, as Lowell would have to refer back to provident for the agreement anyway.
If you hear anymore about that one, you now have a defence that your CCA request was not complied with, and that account is now unenforcable until they do respond to you.
Keep copies of all your paperwork.I’m a Forum Ambassador and I support the Forum Team on the Debt free wannabe, Credit file and ratings, and Bankruptcy and living with it boards. If you need any help on these boards, do let me know. Please note that Ambassadors are not moderators. Any posts you spot in breach of the Forum Rules should be reported via the report button, or by emailing forumteam@moneysavingexpert.com. All views are my own and not the official line of MoneySavingExpert.For free non-judgemental debt advice, contact either Stepchange, National Debtline, or CitizensAdviceBureaux.Link to SOA Calculator- https://www.stoozing.com/soa.php The "provit letter" is here-https://forums.moneysavingexpert.com/discussion/2607247/letter-when-you-know-nothing-about-about-the-debt-aka-prove-it-letter0 -
Ok thank you hopefully they will leave it now but I would be tempted to send provident a cca request? Also I might be cheeky and send Lowell a letter to refund my cca as they have failed. Thank you sourcrates.
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