Hi ,

please help

in 2011 around july Vodafone charged me £95 on my bill which l disputed as my contract was about 25£ a month ,

they told me l went over the limit which l still disagreed as l knew it wouldn't have been that much ,

they then disconnected my phone ,

which l then contacted them to end my contract if they didn't seem to have any solution about my bill ,

After four months l then got a letter from Vodafone saying they have disconnected my phone and l owed a £441 bill

still l contacted them wondering how my bill had gone from £95 to £441,

they told me it was monthly charges , and cancelation fee ,

which l did not understand how this went up to £441

unless assuming there were still charging me for a phone which was disconnected

even though l had told them to cancel it if they did not seem to have a solution for my bill

therefore they put a default on me in May last year

Beginning of this year l received a letters from Lowell buying my vodafone bill which l have ignored

because l though t it must have been fraud,

today l have received a letter from fredrickson

stating they have been authorised by Lowell to secure repayment debt,

and that l should contact them as soon as possible to discuss this matter ,

if lm unable to come to an agreement with them on behalf of their client,

they intend to instruct Bryan Carter Solicitors LLP

to take legal action against me to recover the debt

they state if proceedings are issued additional charges will be claimed

which will increase the existing balance that is ;

an extra £30 court fees and Solicitor cost £50 which in total it will be £521.86

please help ;

l have no idea what to do now

Hoping l wont get another default with these people :

thanx

How did you raise the dispute with Vodafone - by letter / email or phone ?

We are seeing quite a lot of credit files trashed by Vodafone and Lowells appear to have purchased quite a few of the delinquent accounts.

If this were me I would, in the first instance write to Lowells / Frederickson and advise there was an unresolved dispute with Vodafone and you do not believe you owe this much. You would need to advise that you have written to Vodafone asking how they have arrived at this sum and that you will vigorously defend any litigation that Lowells attempt.

I would then send a Subject Access Request to Vodafone - I have linked you to a draft letter below. You will need to send £10.00 with the request. It is a request for ALL data in respect of your relationship with them. You should expect to receive statements - a log of telephone contact between you and them with notes as to the content of the call , and any other information that would help you identify how they have turned a £95.00 bill into a £450.00 debt ! They have 40 calendar days to respond. You should add in to the request below that you also require statements for the entire length of your relationship with them, that way you should be able to work out how they have arrived at such an inflated sum.

http://www.consumeractiongroup.co.uk/forum/showthread.php?387306-Full-Subject-Access-Request

firstly don't fall for the threat-o-grams

we have voda on board here.

We thought it would be nice to introduce ourselves and to assure you all that our presence on CAG is with the very best of intentions.

.

vodafone UK has recently introduced a dedicated Web Relations Team which is keen to seek out customers who’re having difficulties with their accounts and feel that they have no other place to turn to than CAG and other consumer forums and blogs.

.

Naturally, it’s not possible for us to help directly with account specific queries on CAG and as such we would encourage those members who feel we can help them to contact us privately at [email protected] quoting ‘WRT135 – CAG Forum’ in the subject line.

.

When emailing us we would also ask that you either provide us with a link to your post or thread – if you’ve posted in another member’s thread please also provide your CAG username so that we can check what your query is.

****Also you will get an auto reply number. Post the number you get back in YOUR thread ***

Many thanks

Web Relations Team

Vodafone UK.

please help l have had problems with the company called Lowell

telling me they have bought my account from Vodafone ,

in which l did not do anything about it as Vodafone put a default on my report last may 2012 ,

it was after failing to pay my bill over dispute of the charges

today l have been checking my report and found that l now have a default from Lowell on the 16/09 2013

are these people allowed to put a default on my account

do l need to get legal advice

l am still in dispute of my bill

no doubt about that as l feel things could have been dealt with better than they did

this is what l found on my report

when my bill started it was about £95 which l was disputing ,

my phone was disconnected and

when l called Vodafone l asked them to cancel the contract which seems they didn't cancel the contract

until a few months after and

this year l got a letter from Lowell saying they bought my debt which was £441

the past weekend l received a letter from fredrickson saying they are working for Lowell

l needed to pay the bill otherwise they will forward this matter to their solicitors bryan carter ,

which then l put a post on here , l did use the advice of sending a letter fredrickson.

but what do l do about this default ,

l am at a breaking point as l feel this is all Vodafone's fault

at the same time does Lowell have the right to put default in my account

as l already had a default with Vodafone from beginning f last year

where can l get legal advice about these issue ,

l am waiting for Vodafone to send me the copies of my bills from that time ,

and l will be disputing it and l don't know how they could let these people do this

they have actually emotional made my life hell

please help

Account start date

19/06/2009

Payment start date

19/06/2009

Repayment frequency

Monthly

Status history

Jan Feb Mar Apr May Jun Jul Aug Sept Oct Nov Dec 2013 UC

DT uC DT OK OK

Lowell

£ 441

16/09/2013

Default

Name

Miss

Account type

Telecommunications Supplier

Account number

*****9701 0

Account start date

15/05/2009

Opening balance

£ 441

Repayment frequency

Monthly

Date of default

01/03/2012

Default balance

£ 441

Status history

Jan Feb Mar Apr May Jun Jul Aug Sept Oct Nov Dec 2013

DF

Balance history

View details

Hide details

Jan Feb Mar Apr May Jun Jul Aug Sept Oct Nov Dec 2013

441 441 441 441 441 441

ok in the telecoms forum

lee will sort this out follow the stuff at the end of my post.

return to this thread with the ref number from the email when you get it

so's lee can find you.

your debt is showing twice

this should no be so

and the Lowell default date should be the SAME as the VODA one.

so your need to get that sorted through lee.

you don't need any legal advice

if you have a read in this telecoms forum

you'll this happens quite frequently.

lee shold be able to sort everything for you

including the fact that you have a dispute over a closed contract

that did not actually happen.

sit tight

stay off the phone to the no powers dca

dx

siteteam

We thought it would be nice to introduce ourselves and to assure you all that our presence on CAG is with the very best of intentions.

.

vodafone UK has recently introduced a dedicated Web Relations Team which is keen to seek out customers who’re having difficulties with their accounts and feel that they have no other place to turn to than CAG and other consumer forums and blogs.

.

Naturally, it’s not possible for us to help directly with account specific queries on CAG and as such we would encourage those members who feel we can help them to contact us privately at [email protected] quoting ‘WRT135 – CAG Forum’ in the subject line.

.

When emailing us we would also ask that you either provide us with a link to your post or thread – if you’ve posted in another member’s thread please also provide your CAG username so that we can check what your query is.

****Also you will get an auto reply number. Post the number you get back in YOUR thread ***

Many thanks

Web Relations Team

Vodafone UK.

Hi keitlineo,

Thanks for your time on the phone on Tuesday.

If you need any further help from me please let me know.

Kind regards,

Lee

Web Relations

Vodafone UK

Hi everyone , bryan carter is back again , in November l writing a letter to fredickson , l received a letter from them and l did not hear anything from them again until today when l receive a letter from bryan carter

I have attached both letters

please help, what can l do about this ,

thank you

Hi

You seem to be starting threads for each question you have with Lowells/Freds. I will merge this post with the other and move to the relevant forum.

Please bear with me.

Also I have unapproved the attachments as they show personal details.

The attachments you posted are too small. Please cleanse them of all identifying data and use this method to repost them.

**you can post up images/letters by this method immediately..you don't need 10 posts**

.

set your default scan page size to A4 less than 300DPI [150 will do]

scan the required letters/agreements/sheets - as a picture[jpg] file

don't forget you can use a mobile phone or a digital camera too!!

'

BUT......

ENSURE: remove all pers info inc. barcodes etc

but leave all monetary figures and dates.

.

************************* ************************* *******

{DO NOT USE A BIRO OR PEN OR USE SEE THRU TAPE OR LABELS]

************************* ************************* ***********

.

DO IT IN MSPAINT.EXE or any photo editing program

goto one of the many free online pdf converter websites ...

http://freejpgtopdf.com/

..

if you have multiple scans/pics

put them in a word doc FIRST and convert that to PDF

or http://www.freepdfconvert.com/

or

use www.pdfmerge.com

convert existing PC files to PDF [office has an installable print to PDF option]

..

it would be better to upload a multipage pdf if

you have many images too rather than many single pdfs

.

or if you have PDF as an installed printer drive use that

or use word and save as pdf

try and logically name your file so people know what it is.

though dont use full bank names or CAG in the title

i'e Default notice DD-mm-yyyy TSB

.

open a new msg box here

hit go advanced below the msg box

hit manage attachments below that box

hit the add files button on the top right

hit select files, navigate to your file on your pc

hit upload files

...

YOU DONT have to put a link to the attachment in the msg box..just upload it ..job done

.

dx

action post 3 pleae

and post the ref number you get back

get lee onboard ASAP.

dx

two threads merged

pleae keep to one thread...

I see lee already helped you

he will now see this post

and read the update

and hopefully pop in again

now that they have started the threats again.

dx

Hi keitlineo,

Thanks for returning to your thread.

I'll follow up on things for you and get back to you as soon as I can.

Kind regards,

Lee

Web Relations

Vodafone UK