Lowell, prove it letter reply.

JadedAngel88

I have recently had some letters from Lowell about a credit card I possibly had in 2018, I don't really remember as I was quite ill at the time and also my mum was at death door in hospital, I sent the prove it letter and they have responded.

There is a line that says ' due to the age of the account and data retention, we are unable to provide a copy of the agreement '. 

Have they literally just shot themselves in the foot. I didn't send a cca request just the prove it letter, but would have thought they would have held on to that bit of information.

They have also said they have requested statements from the original creditor and that if I wish to dispute the account, I should provide them with full details and evidence.

It still doesn't provide me with any clue as to if I had this card, maybe the statements will shed some light but surely I don't need to do anything now but keep the letter in a safe place just in case.

Or should I send a cca request.

fatbelly

I'd just leave it. Although it might not be technically unenforceable, in practice it is because you have a good defence that, at least at the moment, they can't counter

See what they come up with over the next few months

JadedAngel88

fatbelly said:

I'd just leave it. Although it might not be technically unenforceable, in practice it is because you have a good defence that, at least at the moment, they can't counter

See what they come up with over the next few months

Thank @fatbelly will just leave it and see what they come back with.