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    • I'm not sure we were on standard tariffs - I've uploaded as many proofs as I can for the ombudsman - ovo called last night uping the compensation to 100 from 50 pounds for the slip in customer service however they won't acknowledge the the problem them not acknowledging a fault has caused nor are they willing to remedy anything as they won't accept the meter or formula was wrong.   I'd appreciate more details on the economy 7 approach and I'll update the ombudsman with any information you can share. 
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    • I have now received my SAR. It includes a great deal of information! Is there a time limit on how long account information is kept and/or can be provided to debtors? I have received many account statements which were not previously sent to me. I remember that the creditor should provide explanations of any acronyms and abbreviations that maybe used in the documents. Is this still the case? Also what, if any, are the regulations in regard to adding fees to a debt? Can fees be added to a debt after the court has approved a charge on a property. Perhaps due to the numerous owners of the debt, many payments I made were not properly recorded on the account, some were entered over a year after the payment was made! Following the Legal Charge, I paid every month until my payments were refused. I am trying to compute the over payments, but the addition of fees etc. is confusing me. Any comments and/or help would be appreciated.
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Lowell keep sending letters to old UK address re: bogus Talk Talk debt.


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Hi,

 

I have emigrated from the UK, but Lowell keep sending letters to my old address. They are being marked with 'No Longer at This Address - Return to Sender' but, after being returned, they send out a new one to the same address.

 

How do I make these guys stop?

 

For what it is worth, I do not even owe the debt.

 

Prior to moving, I cancelled my contract with Plusnet. I paid off the last remaining month, then cancelled the direct debit just in case they forgot to close things off on their end. That is exactly what ended up happening as, a month later, they sent me an e-mail asking me to get in touch with them over money I owed them for the previous month.

 

I did so and I was told that they no longer have me on their list of active customers, so they are not sure why I was billed and they told me that I didn't owe them any money.

 

A couple of weeks later, a letter arrived in the post. I have googled the address and traced it to Lowell's.

 

It appears to me that Plusnet have sold off a debt that doesn't exist, who will now not stop sending letters.

 

As I am overseas, the letters are not being opened and there is not a great deal that I can do to respond to this.

 

Does anybody have any suggestions?

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You should write to Lowell with evidence of being resident in another country and to dispute the debt.

 

Failure to do this might lead to Lowell gaining a CCJ by sending a court claim to your last known UK address. That will then stay on your UK record for 6 years and hurt you if you returned to the UK. In theory they could transfer the CCJ to a foreign countries courts, if the foreign country allowed it, but it is very unlikely they would bother.

We could do with some help from you.

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You should write to Lowell with evidence of being resident in another country and to dispute the debt.

How would I go about this?

 

Should I have the next letter sent back with my new address on it, telling them to send future mail there instead?

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How would I go about this?

 

Should I have the next letter sent back with my new address on it, telling them to send future mail there instead?

 

Why not just get the details from the next letter e.g Lowells number, what debt they are chasing. Send a letter to Lowells from abroad saying you live abroad and dispute owing any debt. Enclose a photo copy of any document confirming foreign residency.

 

Lowells will want the letter from abroad with proof, not just sent a foreign address from the UK, as then they will probably think you live in the UK and just want Lowell to think you live abroad.

We could do with some help from you.

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The letters haven't been opened yet as I am not there to open them. They are just being sent back.

 

I would rather not incur any costs as the building I reside in charge a rather extortionate fee just for proof of residency (it's half of the debt I supposedly owe).

 

Besides, this can't go anywhere anyway can it? I don't owe Plusnet any money and Lowell purchased a debt that does not exist.

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If it us really too much hassle don't worry about it. Lowells issue hundreds of court claims every week and there is a good chance you will end with a CCJ and upon return to the UK it will cause you problems. If you will never return to the UK, then it should not concern you.

We could do with some help from you.

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Could you perhaps not just request that PlusNet contact Lowell and tell them there is an error?

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Uploading documents to CAG ** Instructions **

Looking for a draft letter? Use the CAG Library

Dealing with Customer Service Departments? - read the CAG Guide first

1: Making a PPI claim ? - Q & A's and spreadsheets for single premium policy - HERE

2: Take back control of your finances - Debt Diaries

3: Feel Bullied by Creditors or Debt Collectors? Read Here

4: Staying Calm About Debt  Read Here

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1: How can BCOBS protect you from your Banks unfair treatment

2: Does your Bank play fair - You can force your Bank to play Fair with you

3: Banking Conduct of Business Regulations - The Hidden Rules

4: BCOBS and Unfair Treatment - Common Examples of Banks Behaving Badly

5: Fair Treatment for Credit Card Holders and Borrowers - COBS

Advice & opinions given by citizenb are personal, are not endorsed by Consumer Action Group or Bank Action Group, and are offered informally, without prejudice & without liability. Your decisions and actions are your own, and should you be in any doubt, you are advised to seek the opinion of a qualified professional.

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Could you perhaps not just request that PlusNet contact Lowell and tell them there is an error?

Might be worth a punt, also include that you are going to report Plusnet and Lowell to ICO for processing data regarding a non existent debt that should never have been sold to the bottom feeding Lowlifes.

We could do with some help from you.

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The bailiff: A 12th Century solution re-branded as Enforcement Agents for the 21st Century to seize and sell debtors goods as before Oh so Dickensian!

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