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*****Sorry admin! I posted in wrong section. Reposting now. Feel free to delete******
Hi all.
Although I'm newly registered I have been using this forum and CAG forum to help me ward off the dreaded Lowell Group.
Now I'm at a brick wall and do not know how to proceed. I have 14 days to respond to their latest letter which I recieved on the 17th June although the letter is dated 10th June. Luckily I noticed this today so is still not too late to reply via email(which is how I've been replying the last couple of times of contact)
Long story short, I dispute this debt originally with Shop Direct an account from pre 2007. September 2006 to be exact. I have had the recon agreement sent to me after I sent a CCA request. It took me another few letters to get them to admit that they do not hold a true copy of the CCA. As soon as they confirmed this back in November last year, I have continued to ignore any letters up until 4th June 2015 when they started to threaten court action. Then I emailed them reminding them they do not hold a true copy of the CCa and I consider the debt unenforcable.
This is where it gets interesting. I do remember paying a small amount with them in 2011 as I thought it was for another account. When I realised my mistake, I stopped all payments. Does this make the debt enforceable?
the latest letter is attached. I do have to reply tonight via email so any help is appreciated
Also, the other two debts they have mentioned in the letter I do not dispute and am sorting one. But the other I know I owe but they have never written to me saying they own this debt. I have no problem paying but want them to jump through the correct hoops first.
Hi all.
Although I'm newly registered I have been using this forum and CAG forum to help me ward off the dreaded Lowell Group.
Now I'm at a brick wall and do not know how to proceed. I have 14 days to respond to their latest letter which I recieved on the 17th June although the letter is dated 10th June. Luckily I noticed this today so is still not too late to reply via email(which is how I've been replying the last couple of times of contact)
Long story short, I dispute this debt originally with Shop Direct an account from pre 2007. September 2006 to be exact. I have had the recon agreement sent to me after I sent a CCA request. It took me another few letters to get them to admit that they do not hold a true copy of the CCA. As soon as they confirmed this back in November last year, I have continued to ignore any letters up until 4th June 2015 when they started to threaten court action. Then I emailed them reminding them they do not hold a true copy of the CCa and I consider the debt unenforcable.
This is where it gets interesting. I do remember paying a small amount with them in 2011 as I thought it was for another account. When I realised my mistake, I stopped all payments. Does this make the debt enforceable?
the latest letter is attached. I do have to reply tonight via email so any help is appreciated
Also, the other two debts they have mentioned in the letter I do not dispute and am sorting one. But the other I know I owe but they have never written to me saying they own this debt. I have no problem paying but want them to jump through the correct hoops first.
Attached Files
