Lowell and mckenzie

RAS

Jagged

Smashed is an expert and great friend of our weller.

jaggedpixel

Thanks for that!
Here's my plan of action:
1 - Send a CCA letter to Lowells
2 - Send a SAR to Mckenzie and Lowells.
Is this OK?

RAS

Yes

But wait until the CCA letter to Lowells has been received before you send the SAR request. Avoids confusion.

jaggedpixel

Brilliant. I think I owe a few pints to people

smashedbooboo

Also send all letters by recorded delivery. They have a set time frame to reply to you. Look at the thread Lets all ask for our CCAs. There is more info on there about this. I think Rog2 has put some info about there. There are also template letters for telling them you will only communicate in writing. If they do keep ringing start making a note of times and dates etc. And say you will not speak to them and everything has to be in writing. Dont let them bully you.

jaggedpixel

Another quick question if I may. The "Court" letter I was sent is from Hamptons legal who are part of Lowells. Do I send the letter to hamptons or Lowells?

smashedbooboo

Just realised something not been mentioned. If you defaulted on the store card then there must be late payment charges on it. Right now. Slight change of tack here. OK send the request off for CCA with a POSTAL ORDER and put in the letter this is for CCA not to go towards alleged debt. DO NOT sighn your name on the bottom of the letter. DCAs have been known to reproduce signatures. Print name only. Now. The SAR. This is a subject access request.yu are asking for all the info that is held on you. It costs 10.00 but it will be well worth it. This should be sent to the original creditor. So CCA to DCA and the SAR to The people you got the store card from. When you get the info,ie statements, go through them and see what charges have been applied. Then reclaim these back. Store cards and credit cards you can still reclaim from. I have just reclaimed over 1000.00 from capita; one.

smashedbooboo

send it to hamptoms legal. Dont worry they will not take you to court at this stage. You will more than likely get a letter saying we are asking the original creditor for the paperwork. And need extra time. You are now working from your time scales now, not theirs.

jaggedpixel

Could I be an absolute pain in the jacksy and ask if anyone has a suitable template for SAR that I can send Mckenzie hall?

poorandindenial

Here is the SAR letter that is on the information commissioner's website

Link

Just adapt it to what you want it to say.