consumer forums consumerforums Total Bank Charges Returned : £16595128 to 9717 people. The Consumer Forums  
Bank Charges Refunds Survey | 'Buddy' System | Get an email address | Site Map | Registration Problems | FAQ
CAG Products - We think that these will help you to make your claim or Reclaim your Right

These sales also help us to keep helping YOU and keeps this site free of third party adverts!

Small Claims Kit Small Claims Court Guide
**New Edition**
CallBurner - Skype
CallRecorder Review
Last Will & Testament Kit Fight a Motoring Ticket
 
Alternatively you could purchase a CAG email address here, or maybe you'd prefer our address labels here


UPDATE: Consumer Forums ConsumerWiki is now LIVE - click here: ConsumerWiki

N.B. Please note - due to postage costs these products are only available in the U.K.



Consumer Action Group envelope labels
You are part of a community of over 195,000 people.
Let your bank know that you won't give in.
Display one of our labels on your envelopes.
Full description here
Sheet of 20 self-adhesive envelope labels
£3.50 inc p&p





Reclaim the Right!
The Lawpack Small Claims Kit contains everything you need to get your bank charges refund. Sample forms, Instruction manual, template forms and an entire set of court forms in .PDF format on CDRom.

Just type in the details of your claim and print them out.


Reclaim the Right!


Sue your bank as often as you like with one Lawpack!!

With a Lawpack and Patricia Pearl’s book on Small Claims, you have everything you need to get your unfair bank charges refunded or assert other consumer rights.
(England & Wales only)

CAG Forum Users Price £11.99
(click image to buy)
Plus £1 P&P



Reclaim the Right!


New Edition
Small Claims Procedure by Judge Patricia Pearl
An excellent guide for the layperson
Not for use in Scotland
Read BF's Review Here




Stand up to Telephone Harassment

If you use Skype -
Record your phone calls with CallBurner
It's Hot!

Click below to download your
14 day trial copy
CallBurner
Skype CallRecorder download


Read the
Explanation and review here
£31.96 - includes 20% CAG discount
(normally £39.95)

We've managed to negotiate a discount for CAG Users on DIY 'Willpacks'


Click on the image to purchase a Wills kit - £12.99 + £1.00 pp

Remember...you can't take your reclaimed bank charges with you ;-)



Do your Internet search here



Reclaim the Right Ltd. - reg.05783665 in the UK
reg. office:- 923 Finchley Road London NW11 7PE
Do your Internet search here:-
Come and chat with us here (NB: External site NOT affiliated with CAG)

  CAG Announcements
 
Welcome Guest
Please register
Registration is free
There are no charges for using any of the facilities of this website.
If this is your first visit, be sure to check out the FAQ. You will have to register before you can post. To start viewing messages, select the forum that you want to visit from the selection below.
You will also have to register to access our template letters and claims forms
registration is free
Are you being threatened over debts more than 6 years old?
This may be unfair
See our new Unfair Trading Guide
Bought an extended warranty?
Not satisfied?
The warranty may be an example of unfair trading
See our new Unfair Trading Guide
Have you been defaulted?
Would you like to clean up your credit file?
Check it out
Are you a victim of unfair trading?
Check it out
The Consumer Protection from Unfair Trading Regs 2008
Have you been defaulted?
Would you like to clean up your credit file?
Check it out
 
Bank Action Group Debt Action Group
 

Go Back   The Consumer Forums > The Consumer Forums
The Consumer Action Group
> General Consumer Issues


Welcome to The Consumer Action Group

and
The Bank Action Group


Before beginning to claim your bank charges be sure to read the FAQ by clicking the link above. Read it carefully and also read as much of the forum material as you can manage before you start claiming your bank charges refund. You will have to register before you can post or view the materials which may assist you in reclaiming your penalty charges: click the register link above to proceed. To start viewing messages, select the forum that you want to visit from the selection below. Understand what you are doing and you will be able to Reclaim the Right more effectively.

Why don't you come and introduce yourself in the Welcome section at the top of the forum. Then have a look around the rest of it.
Do not post or start claiming until you have read the entire FAQ section and step by step guides and you have a good basic idea of what to do and of the layout of the forum.
Good luck claiming your bank charges.
We strongly suggest that you register under a UserID and not your own name

Reply
 
LinkBack Thread Tools
Old 29th June 2006, 18:52   #1 (permalink)
rocksoft
Basic Account Customer
 
Watch out, there are Claims Touts about!

Challenge your credit file?

Join Date: Apr 2006
Posts: 1
rocksoft Novitiate
Default Sky TV and Lowell Financial (DCA)

Hi all,

I noticed a couple of posts concerning Sky TV and thought I'd ask for some advice on something that arose today.

Back in October 2000 myself and my ex-wife went our separate ways. She stayed in the marital home and I stayed with any friend I could find with a spare bed. Anyway, among other things, I wrote to Sky and cancelled my subscription as I couldn't afford it with what was about to follow. I then cancelled the DD with the bank. My ex would occasionally pass on mail to me but I never did get anything from Sky so I promptly forgot all about it.

Today, almost 6 years down the line, I get a letter from Leeds-based Lowell Financial, asking for £181 on behalf of Sky

Obviously I have moved on since then but they somehow traced me to my present address - I understand DCA's and the like have access to the full electoral roll but I find that little disturbing.

Where do I stand with this after all this time? I don't have a copy of the cancellation letter I sent Sky or proof of posting or receipt. If they acknowledged my letter, I never received their acknowledgement. I don't believe they have made any effort to contact me themselves - Lowell managed to find me so why shouldn't Sky?

£181 is a lot of money when you don't have it, and more so when you don't believe you owe it. I admit I'm concerned about this as I could do without court proceedings but I can't really afford to roll over and pay up either. Where do I go from here?
rocksoft is offline  
Digg this Post!Add Post to del.icio.usBookmark Post in TechnoratiFurl this Post!
Reply With Quote
Old 30th June 2006, 15:52   #2 (permalink)
Deefitz
Basic Account Customer
Default Re: Sky TV and Lowell Financial (DCA)

Does anyone have an answer for this?
Deefitz is offline  
Digg this Post!Add Post to del.icio.usBookmark Post in TechnoratiFurl this Post!
Reply With Quote
Old 30th June 2006, 16:43   #3 (permalink)
pmhread
Platinum Account Customer
 
pmhread's Avatar
Default Re: Sky TV and Lowell Financial (DCA)

Is it over or under 6 years years since you last had any contact with them (and that doesn't mean since they last sent you a letter... when you actually either spoke to them or contacted them in writing).

*EDIT* Stupid question sorry... just noticed October 2000 - nugget

There is somewhere on here that will explain... I'll be back when I find it.
pmhread is offline  
Digg this Post!Add Post to del.icio.usBookmark Post in TechnoratiFurl this Post!
Reply With Quote
Old 30th June 2006, 16:45   #4 (permalink)
Layla_ck
Classic Account Customer
Default Re: Sky TV and Lowell Financial (DCA)

Spooky...I received a letter from Lowell with regard to an old Sky account last week. I did owe the debt from 2001, but have moved numerous times since them (not through choice ) and also forgot about it.

My bill was for £111, I rang them and asked for a montly payment plan and was the telephone advisor told me if I could settle the account that day they would reduce the amount to £65....not a bad discount! If you do decide to do this, remember to ask for a letter confirming the closure of the account in receipt of full and final settlement.

Layla
Layla_ck is offline  
Digg this Post!Add Post to del.icio.usBookmark Post in TechnoratiFurl this Post!
Reply With Quote
Old 30th June 2006, 16:46   #5 (permalink)
pmhread
Platinum Account Customer
 
pmhread's Avatar
Default Re: Sky TV and Lowell Financial (DCA)

Debt collection agency is chasing me for a debt that is not anything to do with me!

Hopefully, this might help.
pmhread is offline  
Digg this Post!Add Post to del.icio.usBookmark Post in TechnoratiFurl this Post!
Reply With Quote
Reply



Thread Tools


Similar Threads
Thread Thread Starter The Consumer Forums Replies Last Post
Lowell Financial or Lowell Portfolio 1 Ltd dodgy Debt Collection Industry 239 6th November 2008 20:59
DCA: HELP PLEASE.. Lowell Financial beerandy1969 Debt Collection Industry 86 10th October 2008 17:13
Lowell Financial Nostic Debt Collection Industry 17 17th September 2008 15:40
Lowell Financial IQBAL1610 General Debt Issues 70 14th August 2008 08:35
lowell financial ltd paolo91006 General Debt Issues 7 15th October 2006 20:27




Do your Internet search here:

The Consumer Action Group and The Bank Action Group are registered trademarks
Reclaim the Right Ltd. - reg.05783665 in the UK reg. office:- 923 Finchley Road, London, NW11 7PE

Search Engine Friendly URLs by vBSEO 3.0.0 RC6 © 2006, Crawlability, Inc.