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    • Hi all, I purchased a car in January from Big Motoring World Leeds. At the time of sale I was shown a tab on the salespersons computer marked 'service history' and I was able to take comfort knowing that the car had been serviced on 3 occasions as the date, mileage and company was there on screen. Being a 3 and a bit year old car that, in my mind, constituted full service history 🤷‍♂️ Anyway, collected the car a week later. Once home I settled down to through the book pack etc. Opened the service history booklet and it was completely blank. In addition there were no invoices detailing that any services had been done. I duly contacted BMW and asked them to supply me with proof of service history. They responded saying that on their 'vehicle documentation checklist' I had ticked and then signed to the fact that I had seen the service history and that I was happy with it. I dug out this checklist and what it actually states is 'seen service history online' which I had in the showroom. BMW seem to think that this satisfies their responsibility in providing service history. The reality is that I don't have any proof that the vehicle has ever been serviced! For my own peace of mind I ended up paying for a service that satisfied the manufacturers maintenance schedule to the tune of £330. I even complained to the finance company that the vehicle contravenes the Sale of Goods act 2015 as l, in effect, ot is not as described. Amazingly they weren't interested and instead I just got an email stating that it's not illegal to sell a vehicle without service history and that servicing costs were part and parcel of vehicle ownership. I've since complained to the ombudsman and am awaiting to see if they can help. I have no issue with the car but the treatment and customer service has been the worst I've ever experienced. I don't really know what to do next as I really do feel aggrieved that I've had to pay to service a car that should have already been serviced. Can anyone point me in the right direction please? 🙏
    • Fraudsters copy the details of firms we authorise to try and convince people that their firm is genuine. Find out why you shouldn’t deal with this clone firm.View the full article
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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

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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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