michsienna
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Posts posted by michsienna
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hi everyone,
what im doing is taking my grand total and minusing all the adjustments and late charges. sorry i must sound so dumb! xx
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Minus all the charges from the amount that you actually owe.... like insurance, adjustments, late payment charges... yes, those nasties.
hi, will do, thanks for that priority one xx
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hi everyone,
i today recieved a phone call from the bloke at trading standards, ( yes.....the same bloke who told me he couldent help me, the same bloke who told me if im debtwith a company why should i request a copy of my credit agreement in the first place)
he phoned to ask have i sent him any info in the post regarding lowells, i said no, you wasent interested.
he said, did i recieve my copy of my credit agreement in the end, i said no, i havent heard nothing from them in a while. i then told him
i have sent info on to office of fair trading,after they sent me a letter showing much interest in my situation.
oh he said, then they must have a interest in that company.
he went on to say i should call them to find out what was going on,
and i should keep his number just in case i need any advice in the future.
how weird was that! xx
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These things annoy me so much....
You don't need all of these flowery extras anyway.... if something is faulty/breaks, then it gets sent back anyway and, if Mich is a lone parent.... what good would PPI be ?
If the premiums have been added as a percentage of a balance containing unlawful charges, then IMO they're bumping up their profits on the sly.
Mich... are you able to calulate the true outstanding balance, minus all these charges ?
hi priority one, thank you for replying
when you say add up the account minus the charges , do you mean charges, like insurence, the adjustments total and the 2 late payment charges ??? (sorry im in a right muddle with this). xx
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hi, thank you for replying,
so i can claim the ajustments/total cover?? from when i last placed a order. (sorry im a little confused:confused: ) xx
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Hi sue, the £1.00 wasent for the cca request, this £1.00 was in november last year.
the adjustments and total cover total, gets bigger every month,
even from august last year the total keeps rising ( july last year was the last time i ever ordered any thing from them) up untill prestent. xx
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hi everyone thank you for all replying to me.
looking thru my statements ive misseds lots of repayments, but i can only see two no payment charges.
from july last year im a little ashamed to say,thats when i started missing most of the repayments, they recieved £1.00 of me november 2006, and the £10 i sent them with the s.a.r letter in july 2007. thats all in between these dates.
the interest in between these dates go from £35/£40 a month
and the adjustments and total cover goes keeps changing from
june 2006 £32.77
july 2006 £32,96
aug 2006 £34.60
sept 2006 £36.07
oct 2006 £40.67
and then also on that staement it has account transfered
nov 2006- i had paid them £1.00
jan 2007 account removed
july 2007 payment recieved £10.00
before that i was missing quite a few repayments but when i did pay i was paying the correct money owed.
is adjustments and total cover one thing = the insurence, i know the total cover is the insurence name but im unsure on what the adjustments are. on the back of the statements it reads that ajustments means, the value of any item that may affect your balance will be listed here together with a reason.
if it is that, its very expensive insurence! lol
im all in a muddle! lol xx
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hi,
most of it looks like it was made up of adjustments, total cover, the total cover is the insurence and im not sure what adjustmnets is, (it all works out at about £30 a month) xx
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yes they have sent me my signed copy of my credit agreement, its the one i sent you sue, xx
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well that was quick,lol
i only see 2 late payment charges a £10 (22 feb 05) and a £12 one (22nd july 05),
the statements go up untill 30th nov 2006 the last payment i made was £1.00
then below it it reads
27th jan 2007 account closed
then there is another statement
i noticed they have used the £10 i sent with my s.a.r letter and marked it down for payment for july this year
the last time i ordered some thing from the catalog my balace was £1679.72 with a £1500 credit limit
please forgive me if you think im stupid,but im realy quite confused! lol xx
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hi mate thanks for coming to my rescue so il add it all up now, what about interest do i not bother with that?? xxx
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hi, if anyone can give me some advice on what i should do regarding the letter i today recieved from verbaudet i realy would be so greatful, thank you xxx
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hi mrsl,
ive just read thru your thread, im gonna subscribe.
im wishing you all the best mate xx
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Thanks Michelle
I landed here last night and started a new thread
As I have read through your thread I have felt stronger and more in control, still at the shaking like a leaf stage though which I am sure you can remember! This site is amazing, I wish I had found it sooner too.
Wishing you loads of luck, I will be following you!
xx
im gonna take alook at yours now, xx
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Hi Mich
I am new to the forum and am feeling like you were in your first post here
I have just read the entire thread and wanted to say WELL DONE!
I will subscribe to your thread and follow your journey, hopefully I will soon feel as you do now
hi mrsl,
thank you,
you should start your own thread too, i would never have got this far if i never had done this.
the good people on the web site has gave me so much strength with there advice, support and encouragement.
i wish you all the best.
michelle xx
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Mich, couple of questions, as I am not up on the legal side, but reading the letter.
1. why do their records not go back pre ofsted report? bit suss!
2. they charged a lot more prior to that date.
3. How can they say "as such you have not paid any of the charges"? its been added to the total.
load of rubbish:rolleyes:
lets see what Rory etc has to say about it:)
hi remus i hope your good thanx for replying,
i too thought them puttting there records dont go back pre the ofsted report a bit dodgy.
looking at the statements, adjustments and total cover was quite high. just over £30 a month, i only claimed twice on the insurence, wish i never had that now. xx
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hi everyone, i would be very greatful for your advice on what i should do now.
this morning i have recieved a letter from vertbaudet, regarding the s.a.r letter i sent them.
the letter reads....
please find inclosed a complete set of your statements to cover the trading period of your account from 22 march 2004 - 27 january 2007
you will also find enclosed servral sheets headed vertbaudet query answering system. this is a record of events which have occurred on your account back to 1st march 2006, we no longer hold any data prior this date.
i note your comments regarding disproportiate charges applied to your account, however we do not consider the administration charges are unfair or disprortionately high. they comply with guidance issued by the office of fair trading in aprill 2006 following their consultaion with eight major credit card issuers. please note that mail order/home shoping industry was not included in this consultation. we feel the charges are a reasonable pre-estimate of the additional costs incurred be verbaudet in handling your failure to comply with the terms and conditions relating payment.
the late payment charges form our terms and condtions of trading with verbaudet and appear across out publications and website. they advice that should you fail at any time to keep your account up to date we reserve the right to charge for our costs which will not exceed £12 per event in respect of any the following,dispatch of any reminder letter or other communication, "refer to drawer"cheques or other failure to honour any method of payment,or transfer your account to a debt collection department or agency.
the charges represent postage and stationary costs,the cost of employing staff, the maintaining of premises and it systems in order to handle the default of the customer.
your account was transfered to a debt collection agency in october 2006 and you currently have a out standing balence of £1925.76, as such you have not paid any of the charges applied to your account.
any future requests for a refund of the charges will be met with a refusal.
i trust this information i have provided you with is satisfactory however if you need any further clarification please do not hesitate to contact me at the address at the top of this letter.
so im taking it i cant deduct the charges ???? xx
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hi everyone, a big thank you for all your kind words of support it means so much. xx
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hi, thank you for both responding, hopefuly some thing will come out of it! xx
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hi thank you for both your replys, im gonna send them all the details today,
the water we have been told should be back on today, but its not yet, xx
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hi everyone,
i have had some good news today in the post. when i first emailed trading standards i also emeiled the office of fair trading, as i heard nothing i guessed they wasent interested.
i have a letter of them,which reads....
i am contacting you regarding a complaint you made to consumer direct on 16th may regarding a company called lowell financial ltd
the above company holds a consumer credit licence that is regulated by thr office of fair trading (oft) it is the oft duty to consider a companys ongoing fitness to hold a consumer credit licence . if evidence excists that a company may be unfit becouse they commit unfair business practices the oft can challenge the companys right to hold a consurmer credit lisence.
the complaint you made regarding lowell financial ltd would therefoe help us to evidence buisness practices that might cast doubt upon there fitness to hold a consumer credit licence.we would therefore like to receive further details of your complaint against lowell finacial ltd, including any documentation which you regard as relevant, along with your permission to use the infomation you have supplied in any action the oft may take against the company.
if you are happy to provide us with further details of your complaint and your it would be very helpful to recieve these by 7th august
so il be sending them copies of all letters i have recieved and have sent them. xx
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Listen Mitch, if you take the little ones down to the launderette don't put them in the spindryer!
Do you like my new avatur?
Regards
Van
hi van, your avatur looks good. xx
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lol, you guys make me laugh!!
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lol !!
hi, i might just do that, its very tempting, ive been bathing them in a bucket! lol, they love it., and my hair.......it looks like a style from a shock waves advert!
thankfuly a friend is gonna take me down to a laundrette tomorrow.
franmc12, thank you for your advice,im sure ive heared that in the past that ddc have no power. thinking about it im sure the show i once watched on tv was called baliffs. thank you again, xx
advice needed,on so many debt collectors after me
in Debt Collection Agencies
Posted
hi again, i have a total now of £1311.36 (it was originaly £1925.76) xx