Cca Requests Updates Please

BlueIsTheColour

Bazza66 wrote: »

Am I right in thinking that Lowell Portfolio I have not had their Credit License Renewed?

Looking at this site - http://www2.crw.gov.uk/pr/default.aspx - you need to search for Lowell and then click on the Portfolio I in the search results - it looks like their license ran out last Oct.

Anyone any thoughts on this?

I have no real idea what this means, but I looked up Moorcrap who are doing my head in, and it says their licence expired 13 Jan 09, unless the website isn't up to date??? Just clicked further into it, and it says they are pending renewal..... Now wouldnt that be a turn up if it didnt get renewed, highly unlikely tho I would guess...

Looks like a nice family business!!!!

Bazza66

Further to Lowell - also found this on the CAG site. No sure of its validity....

From http://www.consumeractiongroup.co.uk/forum/show-post/post-1963236.html

-- start cut and paste --

CCL expired last year eh? Have done a bit of checking and Lowell Portfolio 1 have an unpaid CCJ against them for £4,575 from Croydon County Court on 12/08/2009.

So AC you may well be correct is the OFT looking at them. I now have collected info which shows 1 ccj against Cabot, 4 against HFO Services and now this one. Bit of a nerve trying to collect debts when they don't pay their own.

-- end cut and paste --

blind-as-a-bat_2

Bazza66 wrote: »

Further to Lowell - also found this on the CAG site. No sure of its validity....

From http://www.consumeractiongroup.co.uk/forum/show-post/post-1963236.html

-- start cut and paste --

CCL expired last year eh? Have done a bit of checking and Lowell Portfolio 1 have an unpaid CCJ against them for £4,575 from Croydon County Court on 12/08/2009.

So AC you may well be correct is the OFT looking at them. I now have collected info which shows 1 ccj against Cabot, 4 against HFO Services and now this one. Bit of a nerve trying to collect debts when they don't pay their own.

-- end cut and paste --

What i want to know is what is the idea between Lowell Portfolio 1 and Lowell Portfolio 2, if thats not an abuse of the CCL system, considering they must have known Lowell Portfolio 1's CCL re-newal was in question, i dont know what is
:rolleyes:

Broken_hearted

Update-Nothing happening as such. They claim again to be sending out an application form with terms and conditions. Could be an interesting one but that will have to wait for a later date when I have the evidence in my hand, until then I can't prove what they have done.

Still its not a CCA either way so they can go jump.

blind-as-a-bat_2

Broken_hearted wrote: »

Update-Nothing happening as such. They claim again to be sending out an application form with terms and conditions. Could be an interesting one but that will have to wait for a later date when I have the evidence in my hand, until then I can't prove what they have done.

Still its not a CCA either way so they can go jump.

Your starting to enjoy this arnt you BH
:rotfl:

RAS

Miss_Marple wrote: »

Hello

I'm back for some more help if possible.

JDWilliams have responded to my CCA request saying that
' under s 78 of the consumer credit act 1972 under regulations 3 (2)(b) of the consumer credit (cancellation notices and copies of documents) Regulations 1983 there is no requirement to provide a copy of the agreement bearing your signature, it is sufficient that we supply a 'true copy' of the agreement setting out the terms & conditions to which you have agreed. A 'true copy' need not bear the debtor's signature nor the date of the agreement'

They have sent me a copy of a credit agreement (unsigned by me) in which they have handwritten my account code. It is obviously a new bit of paper

Does anyone know if this is correct ? Does it need to have my signature to be enforcable ? I have had the account with them since 1999.
Thanks for your help

Boolocks if this is a loan, credit card, catalogue or store card.

They are trying to pretend that the changes in the law that came in 2007 apply to CCAs set up rior to April 2007. Basic tenet of English law - law is not applied retrospectively.

Just send the 12+2 day letter when it is appropriate.

blind-as-a-bat_2

RAS wrote: »

Boolocks if this is a loan, credit card, catalogue or store card.

They are trying to pretend that the changes in the law that came in 2007 apply to CCAs set up rior to April 2007. Basic tenet of English law - law is not applied retrospectively.

Just send the 12+2 day letter when it is appropriate.

Sorry RAS but the Consumer Credit (Cancellation Notices and Copies of Documents) Regulations1983 does actually allow them to reply to a sec 78 request this way

3 General requirements as to form and content of copy documents
(1) Subject to the following provisions of these Regulations, every copy of an executed agreement, security instrument
or other document referred to in the Act and delivered or sent to a debtor, hirer or surety under any provision of the Act
shall be a true copy thereof.
(2) There may be omitted from any such copy--(a) any information included in an executed agreement, security instrument or other document relating to the debtor,
hirer or surety or included for the use of the creditor or owner only which is not required to be included therein by the
Act or any Regulations thereunder as to the form and content of the document of which it is a copy;
(b) any signature box, signature or date of signature (other than, in the case of a copy of a cancellable executed
agreement delivered to the debtor under section 63(1) of the Act, the date of the signature by the debtor of an
agreement to which section 68(b) of the Act applies);(c) in the case of any copy of an unexecuted agreement delivered or sent to the debtor or hirer under section 62 of
the Act, the name and address of the debtor or hirer; and
[(d) in the case of any copy of an executed agreement given to the debtor under section 77(1) of the Act for fixedsum
credit, or under section 78(1) for running-

They are learning, but it still does not help them, they would not stand a chance if they took it to court, and they know it;)

cocker100

Hi all,

Well, after hearing nothing from Lloyds TSB for a couple of month regarding the CCA request (and several other complaints) from my credit card account with them, I sent them the "Account in Dispute" default letter a couple of weeks ago and have today received the following letter from their Card Operations Customer Service Recovery Centre.

Dear Cocker100,

Complaint Reference: ******

I am sorry that you have had cause to complain. Thank you for bringing your concerns to my attention.

I have arranged for a member of my Customer Service Recovery team to carry out an immediate investigation, so that you will receive a full response from us. Because of the issues you have raised, it may take a little time to gather all of the information together, but we will respond to you within 28 days.

In the meantime I have enclosed a copy of the Bank guide "How to Voice Your Concerns" which gives you more details about resolving your complaints with us.

Yours Sincerely,

What should I make of this? I have never been issued with an actual complaint reference number before now, and this doesn't look like a stardard template letter. ( It is hand signed) It may be just co-incidence, but I have stopped my DMP payment to them because I was fed up of their continuing non compliance and it is about the right time in the month for the payment to go through to them.

Have they now realised that I am actually quite serious about this and have finally started to take note or is it just another attempt to fob me off?

Any ideas?

Cocker:)

blind-as-a-bat_2

cocker100 wrote: »

Hi all,

Well, after hearing nothing from Lloyds TSB for a couple of month regarding the CCA request (and several other complaints) from my credit card account with them, I sent them the "Account in Dispute" default letter a couple of weeks ago and have today received the following letter from their Card Operations Customer Service Recovery Centre.

Dear Cocker100,

Complaint Reference: ******

I am sorry that you have had cause to complain. Thank you for bringing your concerns to my attention.

I have arranged for a member of my Customer Service Recovery team to carry out an immediate investigation, so that you will receive a full response from us. Because of the issues you have raised, it may take a little time to gather all of the information together, but we will respond to you within 28 days.

In the meantime I have enclosed a copy of the Bank guide "How to Voice Your Concerns" which gives you more details about resolving your complaints with us.

Yours Sincerely,

What should I make of this? I have never been issued with an actual complaint reference number before now, and this doesn't look like a stardard template letter. ( It is hand signed) It may be just co-incidence, but I have stopped my DMP payment to them because I was fed up of their continuing non compliance and it is about the right time in the month for the payment to go through to them.

Have they now realised that I am actually quite serious about this and have finally started to take note or is it just another attempt to fob me off?

Any ideas?

Cocker:)

Its a standerd delay tactic, have you heard from Sechiari, Clark & Mitchell Solicitors yet?

cocker100

blind-as-a-bat wrote: »

Its a standerd delay tactic, have you heard from Sechiari, Clark & Mitchell Solicitors yet?

Hi,

I've heard from them a couple of times. Once from when I first started the DMP (about 18 month ago). Lloyds then accepted the DMP for 12 month, but then stopped and demanded full payments again, so then got another solicitors letter. Thats when I sent Lloyds a CCA request.

Heard nothing from them now for months, but strangly nothing from Lloyds either. Not even to acknowledge receipt of my letters.

Until now that is!........