“We note all your comments and have investigated the matter. We consider that there is sufficient evidence to confirm liability for this debt and that the balance is due and owing. however, with a view to resolving this matter quickly and simply, we have decided to take no further action to recover this balance and will close your account” So they lied then? As i am quoting exactly what is written in the letter... I’m still going through paper work I have SEN children so i have an enourmous amount of paperwork! I've just located one the last letter about one of the mobile accounts which I have quoted above.

Oops, not all will be statue barred. The credit card according to the paperwork I have... Last Payment was 11/12/2014 which seems wrong as I was in hospital having just given birth and rather ill at that point. I was very sick and cant remember making these payments to them. But as stated before 2 accounts are closed. Im going to continue to look for paperwork and come back and post so that the whole picture is available. I want to make sure I'm not messing things up.

Thanks for the reassurance! I will file and wait for more threatening letters before I start to panic .

Trying to post the letter.

Hello all, I’m a little confused by a letter I received this morning from Lowell. I’ve not heard from them since last year when after a bit of going back and fourth they stopped legal proceedings against me regarding a credit card account. They’ve randomly sent me a letter asking me to contact them! The issue i have is the accounts they have listed, 2 have been closed but them I have the letters stating so and that no further action would be required. The other 3 are in dispute and they have not fullfilled my CCA requests on those 3 at all. They would be statue barred next year so im wondering if I should ignore and wait or remind them that the accounts are in dispute or have been closed! Going to root for the paperwork. I’ve also noticed that they have written to me under my previous married name. Ive been divorced for almost a drcade now and dont use the name on any current accounts. Checking my credit file it would seem that one of my current lenders has put it on my file as an alias... Any advice would be appreciated. It's very frustrating as i thought this was all done with!

Hmm well letter arrived from Sky today with my £50 Vouchers! So I guess I was right after all. Advice for anyone regarding this offer. Screen shot everything and if they don't cough up complain to the ASA (Advertising Standards Authority) Note to Sky: Change the wording of your Terms & Conditions regarding Online promotions. So that it's clear that if you can't install the dish yourselves the offer is no longer valid. Don't string people along for months telling them they are going to get something only to turn around and say they can't.

Mega baby brain, not getting much sleep with the new addition to our family lol. I did join online, I also asked them over the phone several times if I was still going to get the vouchers. Grove confirmed this and so did Sky. I've already been told by consumer direct that I have a right to complain I just don't understand why they have told me to use a certain template for the letter (http://www.consumerdirect.gov.uk/after_you_buy/making-complaint/template-letters/supply_goods_services_new/). It's not making sense to me at all. Also no where in the terms and conditions does it say to have to complete the entire order online. My step daughter lives in flats too and she also was directed to call Grove. She got her vouchers! I've read about Sky doing this all the time thus why I took the time to screen shot Key parts of the offer. I also made sure I asked when I was talking to Grove. If Grove are responsible for not adding the correct promo code, do I complain to them? Please see the screenshots

It's a long story so if it's ok I'll just post my communications with them. If anyone can throw in what I should do now that would be great. I have had some advice but the template was given is not making sense to me Ok here it goes. *********************** Original Message Follows: ------------------------ Enquiry Type: Customer service complaint (TV) Description: I have been a customer for 81 days. I joined with the incentive that I would receive £50 worth of Marks and Spencer vouchers within 40 days. I still have not received them! I have made 3 calls to customer services about this and I still don't have my vouchers even after being promised they would be sent out and told I would be called back to see if they had arrived. Well, still no vouchers and no one ever called. This really isn't good enough. On Tue, Aug 31, 2010 at 8:48 PM, Sky Help Centre wrote: Dear Mrs Brown Customer Account Number: 6300######## Thank you for your email about M&S vouchers. I have looked over your account and I can see that no M&S vouchers have been issued. When I looked further into this I found that the order was processed by groove electronics and that they have not processed that particular offer. Below is the confirmation screen to show that. Action: Order Completed Orderline Type: ADD Date: Thu May 27 20:15:47 BST 2010 Effective: Thu May 27 00:00:00 BST 2010 Sale type: NEW Offers: Interest source: -Independent Retailer Origin: Sky To be able to issue you with the £50 of M&S vouchers you would have to go back to Groove Electronics to have the offer processed. Kind regards Steven Sky Help Centre http://www.sky.com Original Message Follows: ------------------------ After contacting Grove Digital, They have informed me that they where unable to add this offer to my account at the time as it was not done online. I clearly applied for Sky online and was directed by your website (http://www.Sky.com) that because I lived in a flat I would have to complete my order with Grove digital. I don't see why because of the address where I live I should be penalised and not receive an offer that persuaded me to apply for a product. I shall be contacting the Advertising Standards Agency as feel that I have been duped into purchasing a Sky package under the false pretence that I would receive £50 worth of M&S vouchers. Your response of trying to pass off blame to Grove Digital is not acceptable. rom Sky Help Centre to date Fri, Sep 3, 2010 at 7:15 PM subject Re: Customer service (TV) (KMM6511765I15977L0KM) hide details Sep 3 Dear MRS ##### Thank you for contacting Sky Help Centre. I’m sorry to advice you that you are not eligible for the vouchers in question, The vouchers are a free gift given to customers to follow there Sky order through to the end in Sky.com. If we are unable to install the equipment for you rather than you loosing out on a great TV service we will direct you to a 3rd party installation company who will do the install for you, as the installation was not complete using Sky.com then you are not eligible and the terms and conditions do advised customers of this. We hope this has answered your questions but should you require any further help please reply to this email or alternatively call our customer service team on 08442 41 41 41. Whilst I realise that you may be disappointed with the decision made, I hope that you can appreciate our position on this matter. Kind regards Thomas Sky Help Centre http://www.sky.com Ok Key points: 1: I did apply online, if you have more that 10 flats in a block the website directs you to call an independent installer to book the installation. I don't live in a tower block or very high up it's just what they do. 2: I received an email from sky about rating my 'Online experience' the same day I applied. 3: The first email implies that I am entitled but someone messed up. Where do I go now Caggers? I know I should be mentioning he Sales of good act in a stern letter but where do I send it to? I'm so confused... I still have a bit of baby brain. Please point me in the right direction. x

Lol, it popped up today after I added the address I was living at 4 years ago... Never mind. Think I'll cancell my membership as they report is rubbish and everything is duplicated and they say that I'm not on the electorial roll even tho I voted last month with my 2 poll cards! IDIOTS!!!

I best check my Equifax one before I start to celebrate lol. I'm not worried about it, just concearned that Experian have f'd up. There is lots of other stuff not showing that should be showing and are current. My WFS account was not showing because they had me down as house number X instead of flat number X. That seems really weird.... Also have my last address wrong, the address they have does not exist and they wont change it

Oh I forgot to mention, the CCJ was visable when I last had my Credit Expert account, back in 2008. When I was registered under my maiden name. So it's not an issue with it not being with this particular CRA. It was on my Equifax too

Hello, This is my 1st post in this part of CAG so bare with me I have previously used Credit Expert and registered with my maiden name. I cancelled that ages ago as I no longer had any use of it. Anyhoo, I thought I'd be cheeky and see if I could do the 30 day trial again. I was able to re-register under my married name. So another 30 day trial woohoo!!! Ok my issues are as followed: The CCJ I was issued with for £250, thanks to British Gas. Seems to have gone It was issued in 2007. I was going to dispute it anyway as it was issued when I wasn't even in the country and never received the summons etc. All my alias' are visable on my credit report (I had to ring them to sort this out as information was missing) Since it updated yesterday 2 more accounts have popped up, but still no CCJ. Also my credit card is not showing (I don't think they send to Experian anyway, they use Equifax) I know I'm not that great at maths, but surely it hasn't been 6 years yet so why is the CCJ not showing? Is it because it was issued under my maiden name:?: Thanks in advance

*Bump* Would really appreciate some advice before I fire off with another letter. Many thanks.

Might just be me being dumb lol. I'll take it to my boss he's good with numbers. He daid with what I am offering them I wont pay off the debt this year .

I think I may have spoke too soon. I'll post the statement tommorow. Thanks, Beyond. x