£1 CCA Request

snudge01

sourcrates said:

snudge01 said:

Hi there, I’ve recently sent a total of 6 CCA request letters each containing £1 postal orders. Lowell x 3, Cabot x 2 and Wescot x 1 

I’ve just received the following email from Lowell’s regarding 1 account : - 

Just to confirm that on 27/12/2024 we received your payment of £1.00 on your Lloyds Banking Group PLC account with Lowell reference *********. Your new balance is £3884.65.

I’ve checked on my app and it shows as a £1 payment to my account. 

Is this normal procedure? 

No it is not.

You need to make a complaint to Lowell about this, something along these lines:

Dear Lowell,

COMPLAINT

On (insert date) I sent you a request for information under section 77/78 of the consumer credit act, in relation to the Lloyds Banking Group PLC account with Lowell reference ********* as is my right under the above act.

For the avoidance of doubt, the statutory £1 payment is the fee for this service, as outlined in section 77 of the consumer credit act 1978, it is not to be allocated too, or treated as, a payment to this account.

Unfortunately this fee has been credited as a payment, and you must reverse this mistake immediately, and use the £1 fee as originally intended.

Please treat this as an official complaint, I understand you have 8 weeks in which to issue me a final response.

yours sincerely

snudge01

Thank you sourcrates for the detailed example to reply with to Lowell’s. I will certainly use that and await the written response for this account. 

I look forward too the next 2 replies from them on different accounts.