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    • Post #415 you said you were unable to sell it yourself. Earlier I believe you said there had been expressions of interest, but only if the buyer could acquire the freehold title. I wonder if the situation with the existing freeholders is such that the property is really unattractive, in ways possibly not obvious to someone who also has an interest in and acts for the freeholders.
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    • Sars request sent on 16th March and also sent a complaint separately to Studio. Have received no response. Both letters were received and signed for.  I was also told by the financial ombudsman that studio were investigating but I've also had no response to that either.  The only thing Studio have sent me is a default notice.  Any ideas of what I can do from here please 
    • Thanks Bank - I shall tweak my draft and repost. And here's today's ridiculous email from the P2G 'Claims Dept' Good Morning,  Thank you for you email. Unfortunately we would be unable to pay the amount advised in your previous email.  When you placed the order, you were asked for the value of your parcel, you stated that the value was £265.00. At this stage the booking advised that you were covered to £20.00 and to enhance this to £260.00 you could pay an extra £13.99 + VAT to fully cover your item for loss or damage during transit, you declined to fully cover your item.  Towards the end of your booking on the confirmation page, you were then offered to take cover again, to which you declined again.  Unfortunately, we would be unable to offer you an enhanced payment on this occasion.  If I can assist further, please do let me know.  Kindest Regards Claims Team and my response Good Afternoon  Do you not understand the court cases of PENCHEV v P2G (225MC852) and SMIRNOVS v P2G (27MC729)? In both cases it was held by the courts that there was no need for additional ‘cover’ or ‘protection’ (or whatever you wish to call it) on top of the standard delivery charge, and P2G were required to pay up in full for both cases, which by then also included court costs and interest. I shall be including copies of both those judgements in the bundle I submit to the court next Wednesday 1 May, unless you settle my claim (£274.10) in full before then. Tick tock…..    
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Lowell - Accounts closed, now writing to me should I respond?,


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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! :-(

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" They would be statue barred next year so Im wondering if I should ignore "

 

Correct

 

 

Andy

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" They would be statue barred next year so Im wondering if I should ignore "

 

Correct

 

 

Andy

 

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

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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.

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Check out the one in question...dont believe a payment was made until you have fully investigated......research Lowell and phantom payments

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

 

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“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.

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  • 4 weeks later...
“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.

 

 

 

 

All that means is Lowell closed that one account, perhaps sent it back to the creditor who will probably pass it to another debt collection agency, or later pass it back to Lowell again to collect. You will note the letter at no point states you don't owe money, and only goes as far as saying they will close your account--not that it can't reopen.

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