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    • we're here for you. take your time.  dx  
    • then the who thing cannot have anything to do with paypal then, they cant be involved at all. chargeback fee? from whom never heard of that one either. ebay/paypal must have changed their T&C's again then since the demise of brexit and EU agreements. i can only assume he paid paypal, who acted solely a payment intermediary, to buy your trainers from ebay. and ebay added a £14 processing fee? thats unlawful hence their refund. i dont think there is anything you can do here sadly. classic ebay scam that goes back +30yrs. just now rejigged for the 22nd century.  typically it only resulted in an unenforceable paypal balance that you simply walked away from... but now ebay has obviously tightened up on losing out to these scammers and added an unlawful fee to scrap some of their historic losses back.      
    • Apologies, I am still getting used to the site. Understood, ill have a read and come back if I have any other questions. Thanks 
    • I have done a separate letter and form for each of the 3 debts and kind of ignored the Vodafone one for now    Thanks 
    • please refrain from posting blocks of text...use sentences and line spacing .... i notice your 1st post had been spaced and ive done your last three.... this is not facebook....its a forum. ........... it does not matter how long BS takes i would cease payments now and a DCA is NOT A BAILIFF. they don't own your debts so can do NOTHING!! slow down and calm down , 4 post in 5 mins is no good. Debt management and Debt self-help - Consumer Action Group click the above link and go read a good 20+ thread in the above forum and all your questions will be answered  if you have any outstanding  then please post with them later. everything is explain in numerous thread already here for you to understand at your own pace. there is not rush to do anything today or the next 10days bar simply stop paying. though as explained in my last post, whichever way you go not pay will equal a default which will trash your credit file for 6yrs so the quicker you stop the quicker they will vanish . dx  
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Bryan Carter welcome finance debt


allergor
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Hi all,

Well I'm certainly bowled over to see there is an entire thread about this guy.!

 

in July 2008 I took out a really terrible loan of £4,000

I paid it until Jan 2009, when redundancy forced us to return to my wife's home country where I had a job offer there.

 

I couldn't afford to maintain payments on a lesser currency from another country and I left it to default,

foolish I know but if you haven't got the money what can you do?

 

Over the years various companies have purchased and sold the debt on

where now Lowells have it and

Fredrickson have been calling and sending letters,

 

I've ignored them as I can't pay it in full and frankly I feel intimidated.

 

On my Noddle credit file the debt is marked under the closed section as 'settled'

and hasn't been updated since August 2012.

On CreditExpert the default is no longer there.

 

today I arrived home really pleased after seeing our baby for the first time (12 week scan)

only to find a letter from Bryan Carter on behalf of Fredrickson/Lowell,

stating if I don't set up a payment plan

they will 'recommend' that their client Fredrickson start court proceedings.

 

Is this another intimidation letter trying to scare me

or are these guys for real?

 

They seem to be really taking on a lot of people of recent.

 

What should I do as this has me a little worried.

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are you abroard now?

 

dx

please don't hit Quote...just type we know what we said earlier..

DCA's view debtors as suckers, marks and mugs

NO DCA has ANY legal powers whatsoever on ANY debt no matter what it's Type

and they

are NOT and can NEVER  be BAILIFFS. even if a debt has been to court..

If everyone stopped blindly paying DCA's Tomorrow, their industry would collapse overnight... 

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ok

 

what was the original debt please

dx

please don't hit Quote...just type we know what we said earlier..

DCA's view debtors as suckers, marks and mugs

NO DCA has ANY legal powers whatsoever on ANY debt no matter what it's Type

and they

are NOT and can NEVER  be BAILIFFS. even if a debt has been to court..

If everyone stopped blindly paying DCA's Tomorrow, their industry would collapse overnight... 

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sri wrongly worded

 

who did you get the money from

 

the original creditor

 

dx

please don't hit Quote...just type we know what we said earlier..

DCA's view debtors as suckers, marks and mugs

NO DCA has ANY legal powers whatsoever on ANY debt no matter what it's Type

and they

are NOT and can NEVER  be BAILIFFS. even if a debt has been to court..

If everyone stopped blindly paying DCA's Tomorrow, their industry would collapse overnight... 

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Share on other sites

typically 90% of welcome debts are vastly inflated with

unlawful PENALTY charges

[late/over/letter/phone/debt management]

 

and various compulsory insurances like PPI etc etc

 

they can be reclaimed too.

 

that'll be why they sold it on.

 

got all the statements?

 

dx

please don't hit Quote...just type we know what we said earlier..

DCA's view debtors as suckers, marks and mugs

NO DCA has ANY legal powers whatsoever on ANY debt no matter what it's Type

and they

are NOT and can NEVER  be BAILIFFS. even if a debt has been to court..

If everyone stopped blindly paying DCA's Tomorrow, their industry would collapse overnight... 

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Share on other sites

moved you to the welcome finance forum

 

loads to read here

 

dx

please don't hit Quote...just type we know what we said earlier..

DCA's view debtors as suckers, marks and mugs

NO DCA has ANY legal powers whatsoever on ANY debt no matter what it's Type

and they

are NOT and can NEVER  be BAILIFFS. even if a debt has been to court..

If everyone stopped blindly paying DCA's Tomorrow, their industry would collapse overnight... 

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Share on other sites

stuff all std threat o gram

 

he'll go nowhere near a court wit a welcome debt

hes been well burnt by these debts before.

 

get an sar off to welcome get all the statements.

 

what have you been getting in the last 2yrs on this debt?

 

dx

please don't hit Quote...just type we know what we said earlier..

DCA's view debtors as suckers, marks and mugs

NO DCA has ANY legal powers whatsoever on ANY debt no matter what it's Type

and they

are NOT and can NEVER  be BAILIFFS. even if a debt has been to court..

If everyone stopped blindly paying DCA's Tomorrow, their industry would collapse overnight... 

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you've obv been checking your cra file for the last 2yrs

 

no letters previous to this?

 

have you recently settled at a new address?

 

.....................................

 

On my Noddle credit file the debt is marked under the closed section as 'settled'

and hasn't been updated since August 2012.

On CreditExpert the default is no longer there.

 

.......................................

 

if it shows settled

 

then it was sold and put on a phishing list

lowells have brought it

 

and the computer system has fired out a threat-o-gram..

 

dx

please don't hit Quote...just type we know what we said earlier..

DCA's view debtors as suckers, marks and mugs

NO DCA has ANY legal powers whatsoever on ANY debt no matter what it's Type

and they

are NOT and can NEVER  be BAILIFFS. even if a debt has been to court..

If everyone stopped blindly paying DCA's Tomorrow, their industry would collapse overnight... 

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Share on other sites

There was a long period, couple of years of no letters at all.

 

Then maybe 1 from Lowells every 6 months, I've moved to a rented house in the last year.

 

Also, in my searched addresses in my credit file it shows Lowell making a search nearly every month.

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yes so they've been trying to find you

 

the rent application or ctax or utils would have shown your new address

 

no sure how knowledgeable you are of the uk system

 

but these people [lowells] buy debts for a fraction of the p/£

 

then send out phishing lettrs to spoof the unknowing

 

carter is solicitor for hire

bottom line is its a bloke at the next desk from lowells

in a diff coloured skirt.

 

a dca or their 'fake/tame' solicitors are not bailiffs

and have no such bailiff powers

 

get that sar off

 

what is the default date on the debt summary

 

dx

 

 

they prob owe you more than you owe them

 

you are in the info gathering

please don't hit Quote...just type we know what we said earlier..

DCA's view debtors as suckers, marks and mugs

NO DCA has ANY legal powers whatsoever on ANY debt no matter what it's Type

and they

are NOT and can NEVER  be BAILIFFS. even if a debt has been to court..

If everyone stopped blindly paying DCA's Tomorrow, their industry would collapse overnight... 

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I was born here and reasonably knowledgeable how to the UK unsecured debt market works,

 

the debtor can't make payments to the creditor after a while

 

sells debt on to large debt collectors for a fraction

 

who then allow smaller a slew of smaller bottom feeding debt companies to take turns to have a go at getting it back,

 

all the while maintaining the pretense that the original creditor still wants the money.

 

It's a disgusting immoral, market that infringes consumer rights on a massive scale, it should be shut down.

 

Default date was Jun 2009.

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great

 

so jun 15 it will vanish from your file....

that sort of tallies with the last payment around jan 09.

 

get that sar off

 

till then sit on your hands

 

dx

please don't hit Quote...just type we know what we said earlier..

DCA's view debtors as suckers, marks and mugs

NO DCA has ANY legal powers whatsoever on ANY debt no matter what it's Type

and they

are NOT and can NEVER  be BAILIFFS. even if a debt has been to court..

If everyone stopped blindly paying DCA's Tomorrow, their industry would collapse overnight... 

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post 8

 

dx

please don't hit Quote...just type we know what we said earlier..

DCA's view debtors as suckers, marks and mugs

NO DCA has ANY legal powers whatsoever on ANY debt no matter what it's Type

and they

are NOT and can NEVER  be BAILIFFS. even if a debt has been to court..

If everyone stopped blindly paying DCA's Tomorrow, their industry would collapse overnight... 

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always the OC original creditor

 

dx

  • Confused 1

please don't hit Quote...just type we know what we said earlier..

DCA's view debtors as suckers, marks and mugs

NO DCA has ANY legal powers whatsoever on ANY debt no matter what it's Type

and they

are NOT and can NEVER  be BAILIFFS. even if a debt has been to court..

If everyone stopped blindly paying DCA's Tomorrow, their industry would collapse overnight... 

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Share on other sites

Thank for for your help DX, you've been great.

 

I don't have Welcome Finance's original account reference number, can I send the SAR with Lowell's account number? Also, do I reference my previous address where I originally took the loan out?

 

So when I have all info they have on me, then what?

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you don't need any numbers

yes ref your old address

 

and inc a copy of say a util or CTAX bill as proof of new address.

 

time to read a few threads here for the rest

 

dx

please don't hit Quote...just type we know what we said earlier..

DCA's view debtors as suckers, marks and mugs

NO DCA has ANY legal powers whatsoever on ANY debt no matter what it's Type

and they

are NOT and can NEVER  be BAILIFFS. even if a debt has been to court..

If everyone stopped blindly paying DCA's Tomorrow, their industry would collapse overnight... 

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