Jump to content

 

BankFodder BankFodder

Lewt

Registered Users

Change your profile picture
  • Content Count

    72
  • Joined

  • Last visited

Everything posted by Lewt

  1. Hi all, I signed up with BT Broadband, phone and tele however I've since been offered a deal with Virgin that I think is better. My Bt was due to start on Monday however I didn't get the packages that day as I wasn't in. They are still at the post office. However i phoned them today to cancel and they say as I'm out of the 14 day peace of mind period (which is shorter than the time it took for equipment to arrive) I can only cancel if i give them just short of seven hundred quid. To confirm, I have never activated any service and even if i had then it would only be three days I'd been using it that i could make a decision on. Is there anything i can do or am i stuck with it until next year now?
  2. they were claiming that they couldn't even see the account, let alone deal with it. It was a phone call i didn't need.
  3. I said to the person i spoke to at Sainsbury's that i didn't have to deal with a debt company, (the advisor didn't know who the debt collector was) but she was adamant that she wouldn't discuss it. This was confirmed by the manager an L Young. I should have recorded the call. The bank that transferred the money is not mine it was a friend who lent me the money, I would ideally like to keep him out of this situation now. I will put this into writing and see what comes back.
  4. I said to the person i spoke to at Sainsbury's that i didn't have to deal with a debt company, (the advisor didn't know who the debt collector was) but she was adamant that she wouldn't discuss it. This was confirmed by the manager an L Young. I should have recorded the call. The bank that transferred the money is not mine it was a friend who lent me the money, I would ideally like to keep him out of this situation now. I will put this into writing and see what comes back.
  5. I recently got into debt with Sainsbury's Credit Card. The debt was for £1280. I also had another credit card i needed to pay off, anyway, when i was transferring the money, I got the amount mixed up and ended up paying £2240 into my sainsbury's account via BACs. I have spoken to Sainsbury's and they have now told me that the debt was moved to Westcot, who i phoned, however they said the debt hasn't come across and I need to speak to Sainsbury's recovery team, which i did after I could see the wrong amount on my online Sainsbury's account 24 hours after the payment. They said they couldn't see the payment. Now the regular Customer service have refused to speak with me as the account has been passed over - although i have no idea who too. Is there any suggestions people can give? I was of the understanding that regardless of it being passed over to a debt collector that I didn't need to engage with anyone other than the company the agreement was made with? I'm just wondering what the best course of action (writing a letter I assume) is to close the account and get the amount that i's now in credit refunded to me. Any help appreciated.
  6. Hi all, Well, I've had the deadlock letter. It's littered with errors, they seem to have included a little more information. Mentioning numbers that I've never owned. Still not information on what the charges are for, in one sentence claiming it was a 24 month in another a 12. It just seems all messy, they're claiming I've had texts and letters, but I haven't and they haven't provided them in the SAR. In fact all they've provided in the SAR is them saying they've done that. Is this right? It's still inconsistent with my credit report which says the debt was defaults in Nov 11 and settled in march of this year, which is when I got a letter from Lowell's telling me they'd bought it. As you can see in this letter they are claiming they've sold it in 2011. There has been at least one other debt collectors that have contacted me, possibly too, but I remember frederickson's being around. What do we think, chaps.?
  7. Hi, Thanks for the response. I'm not sure what a dead lock letter is? I'm going to get something together this weekend and post it here before posting if that's ok with you guys? Thanks
  8. I've finally had a reply from Tesco. I'm fairly sure whoever is dealing with it doesn't really get it. The phone was bought in store not online and the dates they are saying things were totally sold are not correct. When fredericksons first contacted me the account had not been sold they were acting on behalf of. Any thoughts guys? I really appreciate your help.
  9. Ok, I'll do thank. Thanks for your help, it's much appreciated. is it worth replying to Lowells reminding them that I've not asked them for anything and that it's still in dispute? (it's clear Tesco are communicating with them)
  10. Thats well passed. Or do they have another 40 days to respond to my reply saying they hadn't sent everything they should have? I only got a contact sheet from customer service nothing else.
  11. That's what I'm trying to do but all they sent was a contact sheet from their customer service. I've written to them pointing out they've not provided me with everything but heard nothing in two weeks?
  12. Yeah, there's a £400 balance. Which was the data that I wasn't happy with and never heard anything from them after I complained, to be told they would be contacting me. I'm not sure what the point of sending an SAR was now?
  13. Hi, Thanks for the reply. Do they not need to send me all the information they have then? I'm confused how they can effect my credit rating if they don't have a credit agreement? Sorry for the questions I'm getting confused with it all? I sent them the SAR and they haven't done that? Should I not pursue that?
  14. Hi All, I got a letter from Lowell's last week saying that they couldn't provide me with the information i asked for (I didn't ask them for any, just sent a letter telling them it was in dispute) So I ignored. Got another one today wanting to re-start the process of them asking for money. No reply from Tesco. Not sure what to do here ? Getting the default removed is the aim.
  15. Tell me about it. It's all just been a huge waste of time. It seems they still don't have the credit agreement, which they need to pass on anything to anyone. Hopfully they also need it to have defaulted me?
  16. Hi Guy's, Yeah, I did send them the copy of the receipt. strangely enough today their version of what I asked for came. It was almost entirely incomplete. All it contained was a CS contact sheet record. Nothing else at all. I've sent them this in response. letter before action Section 7 – Data Protection Act 1998 Dear Sir/Madam Account: ******* I am in receipt of the documents that you have supplied in response to my Data Protection Act information request dated 24.4.14. The disclosure of personal data is incomplete in that at least the following documents are missing. 1) You have failed to provide a complete list of transactions and charges for the period of the contact. June 2010 – May 2011 2) You have provided no notes, or documents relating to any legal action between you and myself. 3) You have provided no notes, or documents relating to instances of manual intervention. 4) I’m aware you have passed my account to at least three debt collection agencies, you have provided no notes of documents of any communication between yourselves and them. 5) you have not provided the original signed, credit agreement. This is not an exhaustive list by any means, it is just an example of some of the information I am missing. Accordingly, I have to tell you that you have not yet complied with your obligations under the Data Protection Act 1998. The time for compliance with my request has now expired. If you do not comply fully with my Subject access request within 7 days, I shall apply to the county court for an order to enforce compliance, together with damages at the discretion of the court. Yours faithfully,
  17. Hi all, I've posted this back the day after I last posted in this thread, yet I've not heard a thing back from them? What do we do if they just ignore a request?
  18. UPDATE I've had letters from Lowells saying they are suspending collection and speaking to Tesco. Tesco have replied today to say that their form completed and my Passport wasn't enough for them to process my request as I have not provided the proof of ownership that they require, which is required to comply with the data protection act. The only acceptable proof of ownership they can accept is one of the following - copy of the purchase receipt of your sim card - 3 months printed copies of your bill printed from your online account - copy of bank statements with the last three months billing from Tesco mobile - The actual sim card Is this just something they've made up because i've told them the sim was binned when the contract ended in 2011, the statements of either the account of the bank account are unavailable. However, I have cleared out my office in between all this and found the contract, and receipt. It is a receipt for the phone which was a 32GB iPhone back in 2010. Do you think that will cover the receipt side of things?
  19. Thanks, would I fill the form in for just rely with a letter that contains the information?
  20. HI Guy's, I heard back from Tesco mobile. They returned the postal order I sent them and have given me a form to fill in to 'confirm ownership' and prove I am the account holder. They are asking for... Who is the Data Subject (addy, phone etc) Am I the Data subject What documents I must send or produce to confirm the data subjects identity one of the following Copy of the purchase receipt of your sim card 3 months of printed copies of your bill printed from your online account (1st page overview only) copy of bank statements with the last 3 months billing from Tesco mobile The actual SIM card (if sent this must be sen recorded delivery) Then is says 'Our search for information relating to the data subject will be based on the information provided below Please let us know the information you require. Then it's asking for my signature, to confirm I am the data holder and also a postal order made out to Tesco mobile, which is frustrating as I sent an uncrossed one. To be honest, I thought I'd already asked for what I wanted which was all data they hold on me. I do not have anything that they ask for as I cannot log into the account and am hesitant too even if I could as do not want to be seen to be acknowledging that I even have an account. the contract and all payments relating to it were made, hence getting my PAC code it's the charges they are selling off to the highest bidder. Are they just messing about now? If anyone has any advice on what I can send back I'd appreciate it.
  21. I've posted both letters today. Let's see what happens. Thanks guys
  22. I just don't want either of them making my credit report worse than it already is. I'm worried Lowells will start adding to it
  23. Thanks guys, I'm just concerned if they 'own' the debt then it's no longer a case of giving it back to Tesco?
  24. Where is the best place to get the 'in dispute' letter from ? I'll get both in the post tomorrow.
  25. It's actually showing as 'fair' at the moment. the default Tesco put on was in 2011 then nothing until they entered settled in feb of this year.
×
×
  • Create New...