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About lew247

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  1. I sent an email to the CEO of Lowell and attached the contacts from O2 - with their permission Just waiting to see what they say
  2. I checked the my credit account today and as promised O2 removed the default which I am greateful for However Lowell is still showing, and this is despite O2 recalling the account and agreeing to remove the default Any ideas what I should do next?
  3. Thank you all for your help and suggestions O2 have recalled the Lowell one and have agreed to remove the defaults and have reversed the debts so I now owe nothing It wasn't simple, it took loads of emails and researching various laws and finding out from them that the amount I owed was about 20p less than the defaults showed so they agreed to remove the defaults. I know it won't show properly on my credit record for a while but it will help a lot once it does show as they were the only problems on my record.
  4. O2 one for £11 and Lowell for £66 which was an O2 bill as well Such small amounts I';d have paid them if I'd actually had gotten a bill
  5. If I have 2 defaults on my credit record dating back to 2012 they show on credit checks left alone I'm guessing they will go statute barred in 3 yrs time However IF I paid the debts off in full when does the defaults go off the credit record? in 3 yrs time or in 6 yrs time?
  6. Yes you can but it depends on the council and the interview I have lower rate mobility and care (up for appeal in May) and I applied for a BB due to multiple problems stemming from a brain injury with operation in 2007 I was fully expecting to be turned down, but got a call 2 days after the interview/assessment and was told I was successful It was like winning the lottery Just be truthful when you go for the assessment is the best advice I can give
  7. Thanks for that Fortunately I still have all the original agreements I have signed, and a copy of most letters sent to them and some of the ones they sent me IF I sent an SAR would that be better than sending a CCA? or do I send a CCA? OR do I do both? What I'd like is a copy of everything that they have on me, but I also want a copy of this mysterious loan agreement that I know I did not sign.
  8. I have a loan from Welcome Finance, well I've had several since 2003 (Stupid I know but...) The one I have a problem with was taken out in 2005 and has the account number 1**9711 tota I have all the paperwork for this including the one with signatures. The problem I have is this I took this loan out to consolidate a previous loan as I was recommended to when I had problems at the time (ill health) Consolidation of previous loan £2K appx plus an extra bit to give us some cash plus the ppi Since I took the loan out, about a year after I was reading though the PPI docu
  9. I posted this in a couple of forums but got no meaningful replies I have to decide what to do by tomorrow (Thursday) night as the 6yr period ends on the 11th March My first question is if I put in a claim (again) for a PPI refund will this restart the 6yr clock as I actually still owe them money There is a bit at the end of the long story (sorry for it being so long but with the brain injury I have to write things down,m then read it then change bits that i remember better or missed out until its correct) about how I spotted after finding the original agreements that the date I sig
  10. Many thanks. I've seen several different addresses for Virgin Media, in Manchester and London, which should I send the request to, and which address to send queries regarding charges, and when it gets that far which do I send the letter before action to? as I know I wont be happy with the first reply.
  11. Hi all, not been on these forums for ages now, I have had Virgin Media since I moved to Manchester sometime in 2003. I was happy at first, had a few late payments due to bills not arriving in time to pay, went to E-billing when asked and then got no bills for 6 months or more, they called asking for full payment plus late payment charges, I cant remember how much I agreed to pay but they agreed a less amount than was owed. This was a good few years ago, since then I mainly have been on paper billing and at first had a direct debit set up and to me all seemed fine,. I then got really s
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