Search
 
 

Display results as :
 


Rechercher Advanced Search

Latest topics
» Even more fun, you decide.
by assassin Today at 2:33 am

» FRAUD!!
by assassin Today at 2:29 am

» Reality chat , every wednesday at 8pm (ish)
by Society of the Spectacle Yesterday at 7:44 pm

» Lowels
by Sharpysparky Tue May 21, 2019 5:34 pm

» Nasty trick to play on courts re speeding and parking
by daveiron Tue May 21, 2019 11:20 am

» Police use of 'intrusive' and 'inaccurate' facial recognition tech challenged in UK court
by jss64 Tue May 21, 2019 11:11 am

» AVAL
by LionsShare Tue May 21, 2019 10:42 am

» treason "laws"
by LionsShare Tue May 21, 2019 9:42 am

» the height of cheek
by LionsShare Tue May 21, 2019 9:32 am

» media control
by assassin Tue May 21, 2019 1:57 am

» sol excalibre with cookiemonster
by Society of the Spectacle Mon May 20, 2019 8:00 pm

» Credit Security limited
by assassin Mon May 20, 2019 1:48 am

» The Good Old British Bobby...
by assassin Mon May 20, 2019 1:44 am

» Single Justice Procedure Notice for alleged speeding
by LionsShare Sun May 19, 2019 12:15 pm

» TESCO CREDIT CARD & LOWELLS
by Mrblue Sun May 19, 2019 9:01 am

» Latest Rich Planet vids Richard Hall
by daveiron Sat May 18, 2019 8:36 am

» As if the banks couldn’t be any more fraudulent.
by Mrblue Sat May 18, 2019 6:45 am

» E 171
by Lopsum Fri May 17, 2019 8:09 pm

» yeah! I'm back
by handle Fri May 17, 2019 6:12 pm

» More Chick Wilfong
by midnight Fri May 17, 2019 12:16 pm

» Use Companies House
by assassin Fri May 17, 2019 2:45 am

» Gordon Bowden - Exposing Blair
by assassin Fri May 17, 2019 2:01 am

» Let's Have Some Tunes thread.
by Awoken2 Thu May 16, 2019 11:06 pm

» San Francisco Bans Facial Recognition Technology
by jss64 Thu May 16, 2019 5:03 pm

» Gordon Bowden - Westminster Fraud
by assassin Thu May 16, 2019 6:17 am

» Gordon Bowden - Uncovering Fraud
by assassin Thu May 16, 2019 6:16 am

» Claim Form Southern Water
by LionsShare Wed May 15, 2019 4:11 pm

» SUBJECT ACESS REQUEST
by Jimmyjack Wed May 15, 2019 2:01 pm

» Cabots/Resolvecall
by Jimmyjack Wed May 15, 2019 9:59 am

» Loan & the three letters
by Akira Tue May 14, 2019 3:11 pm

» Questions regarding the use of Promissory notes to clear bank related debt.
by Akira Mon May 13, 2019 9:06 pm

» Not a recognised Debt
by daveiron Mon May 13, 2019 7:29 am

» County Court claim form
by eggnog Sun May 12, 2019 6:58 pm

» Cabot advice
by Mrblue Sun May 12, 2019 9:13 am

» council tax & prison
by assassin Sun May 12, 2019 2:01 am

» Climate change!
by Sharpysparky Sat May 11, 2019 9:23 pm

» Yet some more fun. Two bad apples down, some way to go yet. It's a start
by assassin Sat May 11, 2019 2:30 am

» channels
by LionsShare Fri May 10, 2019 11:00 pm

» How to deal with banks and debt collectors
by daveiron Fri May 10, 2019 7:08 pm

» Sounds like alot of fun comming our way sometime soon hopefully.
by midnight Fri May 10, 2019 6:51 pm

» 3 letter process
by daveiron Thu May 09, 2019 6:17 pm

» New Po-lice Scam Looming
by assassin Thu May 09, 2019 1:45 pm

» More Misleading news
by assassin Thu May 09, 2019 2:22 am

» Latest from CrimeBodge
by assassin Wed May 08, 2019 7:00 pm

» Drydens Fairfax
by Mrblue Tue May 07, 2019 10:15 pm

» Submitting defence to court against Lowell Solicitors
by shuai Tue May 07, 2019 11:58 am

» Speed Cameras
by assassin Tue May 07, 2019 3:16 am

Moon phases


TESCO CREDIT CARD & LOWELLS

Page 1 of 2 1, 2  Next

Go down

TESCO CREDIT CARD & LOWELLS Empty TESCO CREDIT CARD & LOWELLS

Post by Ithesoul on Fri Jun 01, 2018 11:03 am

Hi everyone
Its been a while since I posted in the forum, been managing things OK with 2 issues to date.
I was informed back in February that my Tesco c card account has 'bought' by Lowells. The account sum is £5370 approx.
I have sent the 3 debt collector letters, using the Get out of debt free letters, & sent the estoppel last Thursday. Lowell have sent me a reconstituted agreement, dated but not signed by me of
course, & only stating my printed surname but not in full capitals!. According to the recon' agreement the account was taken out by me in February 2013!.
Lowells are following in the footsteps of 4no. other debt collectors who Tesco appointed to chase me, but have now 'sold' the account to Lowells.
I would be very grateful if someone could let me know how best to deal with Lowells, going forward, & the best strategy, if there is such a thing, to win against them.

Best wishes & thanks.
Ithesoul
Ithesoul
Not so newb
Not so newb

Posts : 61
Join date : 2017-04-24

Back to top Go down

TESCO CREDIT CARD & LOWELLS Empty Re: TESCO CREDIT CARD & LOWELLS

Post by daveiron on Fri Jun 01, 2018 6:56 pm

Personally I would use these, just adjust the amount of times you have requested the documentation from all previous debt collectors.

http://goodf.forumotion.com/t1131-new-3-letters-for-debt-purchasers
daveiron
daveiron
Admin
Admin

Posts : 1644
Join date : 2017-01-17

Back to top Go down

TESCO CREDIT CARD & LOWELLS Empty Re: TESCO CREDIT CARD & LOWELLS

Post by Ithesoul on Sun Jun 03, 2018 9:38 pm

Hi daveiron
Many thanks for your reply. So when they write to me again do you suggest I re-send the 3 letters as suggested?
Ithesoul
Ithesoul
Not so newb
Not so newb

Posts : 61
Join date : 2017-04-24

Back to top Go down

TESCO CREDIT CARD & LOWELLS Empty Re: TESCO CREDIT CARD & LOWELLS

Post by daveiron on Sun Jun 03, 2018 10:17 pm

Hi, yes send the letters above for debt purchasers (not debt collectors) .Remember to insist on everything listed in them.
daveiron
daveiron
Admin
Admin

Posts : 1644
Join date : 2017-01-17

Back to top Go down

TESCO CREDIT CARD & LOWELLS Empty Re: TESCO CREDIT CARD & LOWELLS

Post by Ithesoul on Fri Apr 12, 2019 9:32 am

Hi daveiron & others
Its been a while since I posted but wanted to update you & get some advice please on dealing with Lowells who have purchased the alleged debt re my tesco credit card.
I have received a new letter from them (after nearly a year of silence), with the tesco default notice attached, it has taken them over a year to obtain this following my issue of the 3 old dca letters & estoppel to them this time last year.
They claim this is now all they need & that I should contact them to pay the alleged debt!. I did not in the end send them the new version of the 3 letters as suggested in your previous post!. But re-reading your post above & having now heard from them again would you suggest that I now send them the new dca letters?.
Many thanks in advance for your help.
Ithesoul
Ithesoul
Not so newb
Not so newb

Posts : 61
Join date : 2017-04-24

Back to top Go down

TESCO CREDIT CARD & LOWELLS Empty Re: TESCO CREDIT CARD & LOWELLS

Post by Mrblue on Fri Apr 12, 2019 10:40 am

If, as you say, Lowells are the debt purchasers then use the following templates which are specific to debt purchasers (not DCAs who simply try to collect on behalf of a debt purchaser):

http://goodf.forumotion.com/t1131-new-3-letters-for-debt-purchasers

They need to supply more than a default notice. And on that note, did you send a data subject access request (DSAR) to Tesco?


Last edited by Mrblue2017 on Fri Apr 12, 2019 10:45 am; edited 1 time in total (Reason for editing : Spelling)
Mrblue
Mrblue
Moderator
Moderator

Posts : 258
Join date : 2017-06-11

Back to top Go down

TESCO CREDIT CARD & LOWELLS Empty Re: TESCO CREDIT CARD & LOWELLS

Post by daveiron on Fri Apr 12, 2019 10:53 am

Hi,
I agree with the above ,also get waylanders advice on this.
Additionally I would ask them why they have not provided a true copy of the agreement,and t&c .Also
ask if they have the original & if not why not , where is it now and does it exist ?
daveiron
daveiron
Admin
Admin

Posts : 1644
Join date : 2017-01-17

Back to top Go down

TESCO CREDIT CARD & LOWELLS Empty Re: TESCO CREDIT CARD & LOWELLS

Post by Mrblue on Fri Apr 12, 2019 11:02 am

Also (back to your point that it’s been a year) That’s what happens in my experience too.

They give up / perhaps there are staff changes etc / then they do some sort of annual audit no doubt / find your account then start all over again (because they’re bl00dy disorganised and incompetent at best - which will very likely work in your favour in due course) ;-) So you’ll have ‘busy’ periods of engagement and long gaps in between ... all part of the ‘game’


Last edited by Mrblue2017 on Fri Apr 12, 2019 11:03 am; edited 1 time in total (Reason for editing : Spelling)
Mrblue
Mrblue
Moderator
Moderator

Posts : 258
Join date : 2017-06-11

Back to top Go down

TESCO CREDIT CARD & LOWELLS Empty Re: TESCO CREDIT CARD & LOWELLS

Post by Ithesoul on Fri Apr 12, 2019 11:54 am

Hi Mrblue2017 & daveiron
Many thanks for your replies. In answer to your questions:-
1. I didn't send a data subject access request (DSAR) to Tesco or to Lowells.
2. Regarding asking why they have not provided a true copy of the agreement, and t&c & if they have the original & if not why not , where is it now and does it exist - is this included in the first of the standard dca letters or in addition to it?, if so I will add it in!.

Many thanks.
Ithesoul
Ithesoul
Not so newb
Not so newb

Posts : 61
Join date : 2017-04-24

Back to top Go down

TESCO CREDIT CARD & LOWELLS Empty Re: TESCO CREDIT CARD & LOWELLS

Post by Mrblue on Fri Apr 12, 2019 12:57 pm

You're welcome Smile
1) Send a DSAR to Tesco not Lowells.
2) Yep covered in the original template - but you can add on the first line to also explicitly requests Ts & Cs.

Again - to be clear (as you used the term "DCA") - use the debt PURCHASER not DCA letters
Mrblue
Mrblue
Moderator
Moderator

Posts : 258
Join date : 2017-06-11

Back to top Go down

TESCO CREDIT CARD & LOWELLS Empty Re: TESCO CREDIT CARD & LOWELLS

Post by Ithesoul on Fri Apr 12, 2019 2:12 pm

Hi Mrblue2017
Thanks for your reply.
What is the reason for sending a DSAR to tesco, what will this achieve?. Also what is the process for doing this?.

Thanks for putting me right about the terminology.
Ithesoul
Ithesoul
Not so newb
Not so newb

Posts : 61
Join date : 2017-04-24

Back to top Go down

TESCO CREDIT CARD & LOWELLS Empty Re: TESCO CREDIT CARD & LOWELLS

Post by Mrblue on Fri Apr 12, 2019 2:23 pm

You're most welcome.

DSAR: Tesco are the Original Creditor (OC). As such, they should have issued the correct paperwork etc to the debt purchaser (Lowells). By demanding a DSAR from the OC, you:

1. Can compare the Tesco DSAR docs you receive with any docs the debt purchaser send you... This is where you'll no-doubt see where the debt purchaser has messed up i.e. doesn't have the correct paper work and, dare I say - on occasion - 'concocted' documents i.e. they'll have NO legal standing.
NOTE: when you get the DSAR docs from Tesco you DO NOT REVEAL ANYTHING TO THE DEBT PURCHASER!

2. This link includes a template:
https://ico.org.uk/your-data-matters/your-right-of-access/

Where the template says "Please supply the data about me that I am entitled to under data protection law..." I would elaborate to say "every document you have that contains any personal data in relation to me".

You should receive all statements from Tesco, all emails / calls / defaults / agreements etc.
Mrblue
Mrblue
Moderator
Moderator

Posts : 258
Join date : 2017-06-11

Back to top Go down

TESCO CREDIT CARD & LOWELLS Empty Re: TESCO CREDIT CARD & LOWELLS

Post by Ithesoul on Fri Apr 12, 2019 2:39 pm

Thanks very much for explaining the DSAR process. I will prepare this & the 1st letter to Lowells over the weekend & send them by recorded post early next week.

Best wishes
Ithesoul
Ithesoul
Not so newb
Not so newb

Posts : 61
Join date : 2017-04-24

Back to top Go down

TESCO CREDIT CARD & LOWELLS Empty Re: TESCO CREDIT CARD & LOWELLS

Post by waylander62 on Sat Apr 13, 2019 10:30 am

hi
yes a SAR is a must here especially now you have received a recon agreement and a default notice.

you said the recon states you opened the account in february 2013 ? is this true or about right ?

do you have any info of your own ? old statements ? letters ? anything that you can refer to ?

waylander62
dedicated
dedicated

Posts : 502
Join date : 2017-10-03

Back to top Go down

TESCO CREDIT CARD & LOWELLS Empty Re: TESCO CREDIT CARD & LOWELLS

Post by Ithesoul on Mon Apr 15, 2019 9:56 pm

Hi waylander62
Thanks for your post, yes I can confirm that Feb 2013 is correct.
I have some old statements & have kept a file of all correspondence with Tesco since I began this action.

Thanks again & best wishes.
Ithesoul
Ithesoul
Not so newb
Not so newb

Posts : 61
Join date : 2017-04-24

Back to top Go down

TESCO CREDIT CARD & LOWELLS Empty Re: TESCO CREDIT CARD & LOWELLS

Post by Ithesoul on Thu May 02, 2019 3:39 pm

Hi All
I have sent a DSAR to Tesco & today got a call from them wanting to question me about it. First of all they wanted to check personal information, full name, address etc. which I didn't do as I want to check with you if its safe to do so?.

Thanks in advance for your help.
Ithesoul
Ithesoul
Not so newb
Not so newb

Posts : 61
Join date : 2017-04-24

Back to top Go down

TESCO CREDIT CARD & LOWELLS Empty Re: TESCO CREDIT CARD & LOWELLS

Post by daveiron on Thu May 02, 2019 4:14 pm

1. You have requested the SAR in writing I presume with your name & address & signed it. That is all
that is required.
2. The 3 letters clearly state they are only to contact you via Royal Mail.
3. They must supply within 1 month, if they fail ,report them to the IOC.
daveiron
daveiron
Admin
Admin

Posts : 1644
Join date : 2017-01-17

Back to top Go down

TESCO CREDIT CARD & LOWELLS Empty Re: TESCO CREDIT CARD & LOWELLS

Post by Ithesoul on Thu May 02, 2019 4:24 pm

Hi daveiron
Thanks for your reply.
So if I don't call them back they have got an excuse not to send me the information requested even if I report them to the IOC!.
I did send the request as you state in your item 1.
Ithesoul
Ithesoul
Not so newb
Not so newb

Posts : 61
Join date : 2017-04-24

Back to top Go down

TESCO CREDIT CARD & LOWELLS Empty Re: TESCO CREDIT CARD & LOWELLS

Post by daveiron on Thu May 02, 2019 4:35 pm

No, they must comply. No excuses.
daveiron
daveiron
Admin
Admin

Posts : 1644
Join date : 2017-01-17

Back to top Go down

TESCO CREDIT CARD & LOWELLS Empty Re: TESCO CREDIT CARD & LOWELLS

Post by Ithesoul on Thu May 02, 2019 4:47 pm

OK thanks.
So are you saying not to call them & wait to see if they respond within the 1 month?.
Ithesoul
Ithesoul
Not so newb
Not so newb

Posts : 61
Join date : 2017-04-24

Back to top Go down

TESCO CREDIT CARD & LOWELLS Empty Re: TESCO CREDIT CARD & LOWELLS

Post by daveiron on Thu May 02, 2019 5:13 pm

Personally I would not call. If you decide to, remember to inform them they must only contact you via RM.
and if they do not supply ALL data they hold on you within 1 month of your request ,you will immediately go
to the Information Commissioner.
daveiron
daveiron
Admin
Admin

Posts : 1644
Join date : 2017-01-17

Back to top Go down

TESCO CREDIT CARD & LOWELLS Empty Re: TESCO CREDIT CARD & LOWELLS

Post by Ithesoul on Thu May 02, 2019 5:19 pm

Many thanks, I think I will contact them & do as you say.
Ithesoul
Ithesoul
Not so newb
Not so newb

Posts : 61
Join date : 2017-04-24

Back to top Go down

TESCO CREDIT CARD & LOWELLS Empty Re: TESCO CREDIT CARD & LOWELLS

Post by Mrblue on Thu May 02, 2019 7:33 pm

Agreed with DaveIron. Stick to writing!
Mrblue
Mrblue
Moderator
Moderator

Posts : 258
Join date : 2017-06-11

Back to top Go down

TESCO CREDIT CARD & LOWELLS Empty Re: TESCO CREDIT CARD & LOWELLS

Post by Ithesoul on Sat May 18, 2019 2:22 pm

Hi
I have sent all 3 debt purchaser letters to Lowells & have received the attached reply from them, following issue of the 2nd letter. Could you please let me know if & how I should respond to this?.

I have also received the DSAR documents from Tesco & so will now go through & compare the docs sent by Tesco & Lowells.

Many thanks in advance for your help.
Ithesoul
Ithesoul
Not so newb
Not so newb

Posts : 61
Join date : 2017-04-24

Back to top Go down

TESCO CREDIT CARD & LOWELLS Empty Re: TESCO CREDIT CARD & LOWELLS

Post by Ithesoul on Sat May 18, 2019 2:26 pm

Letter scans now attached.
TESCO CREDIT CARD & LOWELLS 0112
TESCO CREDIT CARD & LOWELLS 0212
Ithesoul
Ithesoul
Not so newb
Not so newb

Posts : 61
Join date : 2017-04-24

Back to top Go down

TESCO CREDIT CARD & LOWELLS Empty Re: TESCO CREDIT CARD & LOWELLS

Post by Sponsored content


Sponsored content


Back to top Go down

Page 1 of 2 1, 2  Next

Back to top


 
Permissions in this forum:
You cannot reply to topics in this forum