Marc Gander - The Consumer Survival Handbook


A 220 page introduction to all things consumer related by our own BankFodder.

Includes energy companies, mobile phone providers, retailers, banks, insurance companies,debt collection agencies, reclaim companies, secondhand car sellers, cowboy garages, cowboy builders and all the rest who put their own profits before you.

£6.99



Patricia Pearl - Small Claims Procedure - A Practical Guide


An excellent guide for the layperson in how to use the County Court - a must if you are intending to start a claim.

£19.99 + £1.50 (P&P)


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  1. #1
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    Calvingirlm Novitiate



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    Default Lowell chasing me for a payment / How to dispute further

    Hi everyone, any help would be highly appreciated

    Back in 2010 I arrived in the UK to study, me and my friends rented a flat in Brighton and I signed with TalkTalk for a broadband plan (1Year). The account was under my name and it was paying it from my personal bank account.

    End of 2011 I finished my studies and went back to my country, but before I do that I contacted Talktalk and told them that I am leaving and that my room mates will be paying from for this plan from now. (Kindly change the account holder to them and hereby I inform you that I am not longer responsible of this) "for sure there is no proof of this as it was a phone callicon"

    Time passed then in 2017 April I returned to the UK with my family to start my new job.
    Surprisingly I received a lettericon from Lowell demanding me to pay an outstanding amount of 240GBP for an old account related to TalkTalk.
    I ignored the letter as I sincerely forgot that I ever had a TalkTalk account!

    on the end of 2017 I relocated to the northern side of London the somehow they got my new address
    (I am guessing through the bank as I still use my old account since I was a student) and demanded me again for the same thing so I gave them a call and asked what is this about, they then explained that this account still under my name and it has an outstanding amount since Dec 2013.

    I asked what account was paying for all these payments since 2012 they explained that it was someone's else account (My room mate).
    I then explained that I left at the end of Sep 2011 and since then I was away, I have all necessary stamps of exits and entries on my account which validate that I was out of the UK for the past 7 years.

    They took all these notes from me and were very polite with me, then asked me to wait for a month or too for feedback.

    Today I received a lettericon saying that TalkTalk said the following:
    • TalkTalk has advised us that they received change of ownership forms on 09/11/2011; however this could not be completed due to arrears on the account.
    • They state that they received further card payments from a third party, but the name on the account was never changed

    Lowell then continues the letter saying that I need to pay this and that they will place this account on hold for 30 days for me to review in case they missed anything.

    Can anyone explain to me what is the best root to take next?
    As it is obviously not my responsibly to pay especially that i was not informed that the owner ship change did not happen?

    Bare in mind that my credit report has a note on it from TalkTalk since 2011 apparently which prevented me from taking any credit plan with any type of business in the UK since i got back and i am not quiet sure about the impact on my credit score after this issue is sorted.

    Kind Regards


  2. #2
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    Default Re: Lowell chasing me for a payment / How to dispute further

    the payments wee not made by you
    and they know that
    you did not authorise those payments
    they know that
    so they don't count as such..

    the debt is statute barredicon

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  3. #3
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    Default Re: Lowell chasing me for a payment / How to dispute further

    Thank you dx100UK for your quick feedback. It is highly appreciated

    Your reply is pretty straight forward but may I ask what exactly should I do next? Should I write them a letter with the title "statued Barred" and place in it the definition related shown in your reply?


  4. #4
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    Default Re: Lowell chasing me for a payment / How to dispute further

    Have you written or informed them Of your correct address?
    Drop/block all phone and email comms now writing only

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  5. #5
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    Default Re: Lowell chasing me for a payment / How to dispute further

    I did not inform them with my new address but they do have it (somehow) probably as I said above through my Bank account details as I updated that once I returned back to the UK

    Is there any template that I can use to create this response letter to Lowell? Should I be sending it only to Lowell or to TalkTalk too?


  6. #6
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    Default Re: Lowell chasing me for a payment / How to dispute further

    Forget tt
    Its been sold on

    In the debt collectionicon section of our libraryicon
    There is an statute barredicon letter

    Add in a line thats says

    the payments were not authorised by me
    I was not the owner of the account when they were made
    there is evidence i closed the account with talk talk directly

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  7. #7
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    Default Re: Lowell chasing me for a payment / How to dispute further

    Thank you for your help on this.

    Any advice you might be able to provide on the note that TalkTalk placed on my credit score report? How do I get rid of it?


  8. #8
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    Default Re: Lowell chasing me for a payment / How to dispute further

    what do you mean a note?
    default?

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  9. #9
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    Calvingirlm Novitiate



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    Default Re: Lowell chasing me for a payment / How to dispute further

    When TalkTalk escalated this issue to Lowell (end of 2013) they raised some sort of notice of the complaint and placed it in my Credit report which is National.

    On mid of 2017 I went to my bank and asked them on why was I rejected for a finance plan on furniture purchase, their reply was that TalkTalk placed a remark that I have an outstanding payment and that I must sort it out with TalkTalk or one of these financial companies:

    Experian
    Equifax
    Callcredit

    Now that my case is statute barredicon does it mean that this will force them to remove this off of my credit history?


  10. #10
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    Default Re: Lowell chasing me for a payment / How to dispute further

    But its not sb'd someone paid it
    But for the sake of litigation it is..

    Have you looked at your credit file..
    What does it say?

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  11. #11
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    Calvingirlm Novitiate



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    Default Re: Lowell chasing me for a payment / How to dispute further

    No, I did not see the file. I just sat with the Bank clerk and he told me that there is a comment on my file.


  12. #12
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    Default Re: Lowell chasing me for a payment / How to dispute further

    then go get it
    noddle
    clearscore
    Experian
    all are free

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