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    • OK, thanks, I won't wait for them. On a side note, some of the posts on here are a bit frustrating, I read through five pages or so of someone going through the court process rooting for them as I'm reading, then nothing, not heard of again. Left here wondering what the outcome was, lol!
    • Hello Caggers,   I've been trying for years to get an old EE account wiped off my credit file. It was opened in 2013 and almost immediately defaulted but was shown as "Payment Arrangement" ever since. I contacted EE by telephone in 2022 and was advised it had not been wiped because there was still £69 owing, I paid it and thought it would correct once the CRA's updated their reporting cycle. However, it has still not been removed. I made a formal complaint on 27/03/2024 and have had contact with the executive team who advised that  "EE account ......... has now been deleted from the Credit File as it failed to close as it was reporting the payment arrangement set up despite, as advised this failing which should have resulted in a further default showing.  Please be advised the deletions we have completed take 24 hours to update if a paid service is used to view the Credit File. If the customer uses one of the free services to view the Credit File, the recordings update in 24 hours but the changes can take up to 30 days to be visible on a new copy of the Credit File. I have requested compensation and been advised by EE that another team are looking into this. That was almost 2 weeks ago and there has been no contact since, despite me chasing it. I do not want to go to court and would rather settle this amicably. However,I have been advised that I might have a claim for aggravated damages due to the length of time the incorrect reporting has been on my file and the fact that I told EE about this issue and paid the demanded outstanding amount of £69 almost 18 months ago. Should I just wait for EE to reply or should I start building my case against them? Is their statement admissible as evidence of their blame or do I need to dig a bit more? I made a DSAR which was initially rejected as having no data found yet. I trawled my e-mails from 2013 and found the account number and mobile number, I'm now awaiting the result of my 2nd attempt at DSAR. I have very little in the way of proof of actual loss except a mortgage refusal e-mail from HBOS in 2015. I have also had high interest loans and credit over the last 10 years but again cannot directly attribute this to this one specific error. There were other items on my credit file that could also have contributed to a low credit score too and I'm not out to cash in on anything. I want to make sure I don't end up shooting myself in the foot for any obvious reason and would appreciate any help from anyone who has had similar experience with breaches of DPA.
    • Noted. Keep an eye on the other threads here including the update a few hours back by Rob Carr.
    • dont need statements. nor std info sheets. EVERTHING else  dx
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Lowell - OHs jdw catalogue account sold without warning


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Hi

My husband has had an account with JD Williams for the past 6 years,

4 years ago we experienced difficulties and they accepted interest free payments of £20 per month which we have paid religiously ever since.

 

 

Last week he received a letter saying the account had been sold to Lowell and that all payments should now be made to them.

 

 

I have no issue doing that but they have now started calling our landline (my hubby works nights so we could do without that really!) and we don't want to start being harassed when everything's been fine for 4 years.

 

 

Is there anything we can/should do?

 

 

My son answered the phone and is now worried sick :-/

Many thanks

 

Maudy

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The most important thing is to keep on making the agreed payments. Don't falter or else it could be taken as a sign that you have breached your agreement and that would allow them to start imposing a new regime.

 

Write to Lowell and put them on notice that you do not wish any telephone calls from them and that you will be logging everything that comes in. Read our customer services guide and implement the advice there. Keep a log of all calls coming in.

If you have any further problems with them after that then come back here. Be aware that they may well start to demand that the instalments are changed all that you provide further information. Let us know.

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just remember lowells are not bailiffs

and have

no such legal powers

 

 

when was the account opened

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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Thank you BankFodder - much appreciated.

 

 

I will get a cheque off to them today as its almost due anyway.

 

 

As we have just simply paid each month i have never made any enquiries as to whether or not there are any penalty charges etc on the account and wasn't sure if this is possible now the debt has been sold.

 

 

The account i mentioned above is my husbands but i myself have one too with the same company, yet so far that one remains with JD Williams and doesnt appear to have been sold on. I cant work out why they have sold it when payments have been regularly maintained.

 

Many thanks

 

Maudy

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" I cant work out why they have sold it when payments have been regularly maintained."

 

Because you ran into financial difficulty and breached the agreement,

 

" 4 years ago we experienced difficulties and they accepted interest free payments of £20 per month"

 

Regards

 

Andy

We could do with some help from you.

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" I cant work out why they have sold it when payments have been regularly maintained."

 

Because you ran into financial difficulty and breached the agreement,

 

" 4 years ago we experienced difficulties and they accepted interest free payments of £20 per month"

 

Regards

 

Andy

 

Hi Andy

I understand we breached the agreement at the time but that was 4 years ago and we have paid JD Williams each month ever since as they agreed.

 

 

Then they sold the account 3 weeks ago without any warning or reason and we haven't fallen behind on the payments whatsoever.. hence my confusion.

 

Thanks

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Hi

 

Well they dont need a reason in all honesty its all in the small print of their T&Cs and what happens if you default on an agreement...your agreement/you are of no further use to them....

 

Anyway thats water under the bridge now...now you need to concentrate on Loweel

We could do with some help from you.

PLEASE HELP US TO KEEP THIS SITE RUNNING EVERY POUND DONATED WILL HELP US TO KEEP HELPING OTHER

 

Have we helped you ...?         Please Donate button to the Consumer Action Group - The National Consumer Service

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Thanks Andy - agreed :-)

 

 

i was just puzzled i guess and i don't handle stress very well so probably over reacted a tad!

 

 

Lowells paperwok does suggest that but as i said as we hadn't missed any payments i was confused as to why.

 

 

Hopefully they will be reasonable in accepting the same repayment etc.

 

 

Hubby wondered if they might offer a discount for paying off in one go...

. (my mum had offered to help us out if we needed it but i dont know what the implications are if any)

 

Thanks again

 

Maudy

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Well you will have to give that some consideration...lets see how your new found financial relationship progresses first:wink:

We could do with some help from you.

PLEASE HELP US TO KEEP THIS SITE RUNNING EVERY POUND DONATED WILL HELP US TO KEEP HELPING OTHER

 

Have we helped you ...?         Please Donate button to the Consumer Action Group - The National Consumer Service

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sounds like you need to be sending a few CCA requests now these debts have been sold on ...rather than blindly paying all these debts.....

 

 

I also question the logic of using a cheque.

 

 

ofcourse we know a dca would never lift a signature onto a blank agreement........

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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sounds like you need to be sending a few CCA requests now these debts have been sold on ...rather than blindly paying all these debts.....

 

 

I also question the logic of using a cheque.

 

 

ofcourse we know a dca would never lift a signature onto a blank agreement........

 

 

Thanks dx... i did actually remember that we shouldn't be using a cheque so the letter i have typed up says that payment will be made via online banking. I will get the rest of the info off to them tomorrow..CCA etc and see if that throws anything up. Thanks again - as always :-) very much appreciated

 

maudy

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