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    • Yes. They won't inform your employer but you may need to. You need to check what it says iin your employment contract. I don't think it usually causes huge problems for most people. HB
    • Good afternoon. I've read a few threads briefly regarding a dmp with stepchange and was 95% complete with setting one up when I noticed the advice of letting things default instead and/or managing a dmp yourself. My current situation is the following £470 owed to Jacamo. Has not defaulted. Currently on a £10 payment plan with them for 12 months. Not sure what to do here £2700 owed to Vanquis - Credit Card. Has not defaulted and I have not missed payments. I am unemployed and even making a £200 payment from my benefit means £80 odd gets eaten thanks to interest. Guessing I let this default and then set up a payment plan after? £2500 owed to Lowell who bought from Very and passed on to Overdales after I ignored them. Last payment to Lowell was 30th November 2022. Plan here was to fight them in small claims court if it ever gets that far, assuming the worst. Any advice is very much appreciated, thank you.
    • will they inform my employer and sack me?  
    • Ok, so they will look back a max of 1 year's record and ask me to tick which ones were used by me?  
    • Not prison, no. That has never happened here. I think they can look back a year on their system and you'll have something like TiredDodo did when they were summoned to court. With a year's use, I'll be amazed if you don't have a court appearance. HB  
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Lowell..and disputed Tmobile debt


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bottom line is you got had

they wont do a thing.

 

 

as post 2 your beef is with tmobile if the debt is usage by a stolen phone

the industry were told not to punish users

they have

get the whole debt removed

complaint to tmobile

but you'll need to sar them 1st I would guess

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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T mobile havent existed in years,

 

 

I'm not even sure who they are anymore.

 

 

I'm concerned you think I've been had as other than the person who stole the phone no one has had any money out of me for this alleged debt.

 

 

I'm also a bit phased that this thread is in mobile phones for some reason.

 

 

The problem I have is incorrect information on my credit file, that is updated/administered by a DCA.

 

 

I would have thought either of those forums more appropriate.

 

 

Paying £10 for a SAr from a defunct company just to tell me what I already know re the letter from Lowells...

due to non payment the account defaulted on 10/09/11 and was registered on your credit file.

 

 

The last payment toward your account was for £13 on 10/1/11"

 

jebus, the formatting on this forum is about the same level as its users reading comprehension.

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for some unknown reason you are transmitting all manner of control code

just use plain text and double line space.

 

 

what i'm saying is you should not have to pay for the stolen usage call time.

 

 

EE are your target then

complain to them

it should not even be on your file

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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Hi shaver

 

I have moved your thread back to Credit Reference Agencies.....it was due to the merge that it was transferred to Telecoms/Mobiles

 

Andy

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