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sharkieuk

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About sharkieuk

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  1. Paypal has my correct address on file, also my card is still registered on there for normal use etc. I've never hidden from them, and kept everything up to date, bar the payments The letter from Lowells came with a covering letter from Paypal to say that they were handing it over.
  2. Moved twice since taking the credit out. Always kept access to Paypal account and still have access now.
  3. It just shows as Paypal. It is showing on clearscore under my closed accounts. The one I used to raise the dispute on, was creditkarma with transunion. It is no longer showing on my creditkarma report.
  4. Back in 2015 I had a Paypal credit account, didnt have a card just the credit facility for payments made online. Due to circumstances out of my control I made my last payment in September 2015. I contacted them and asked them to put the account on hold, or give me a payment holiday. I cant quite remember the exact detail, but knowing I was going to be unable to make a payment I contacted them. They refused and the account defaulted. I have not heard anything since 2016 I received a letter from Lowells saying that they had bought the debt, and
  5. avira is a free antivirus which in my opinion is the best antivirus around at the moment
  6. I had that virus a while ago it is hard to get rid of as it knows what can remove it (in my case when I tried to download a tool to remove it it would crash my internet) also when you have that virus it brings a few other nasty things in with it. In the end I formatted and re-installed windows. Now I run with avira antivirus which is totally free and is the best antivirus ive ever used.
  7. For £200- £300 you could get a nice gaming pc, with dual core processors possibly quad core as the price of the components is quite cheap now there is a place I use to get components from which is microdirect.co.uk but I dont think there pc's are all that cheap better to build yourself
  8. I just received a letter from these nuggets and Mr M Dobson is now the Litigation Manager and not a solicitor
  9. Yep I cancelled the direct debit as soon as the last payment had gone out
  10. Hi I sent them a very nice email that went like this I have definately sent the router back to yourselves, why would i not send it knowing it would result in a £50 charge?? Why dont you go check your own post or whatever and you will find that as i said i sent it and either it has got lost in the post or lost at your end, which neither are my fault. I did exactly what you asked and posted the router in the big white envelope and i will not be paying any £50 charge. I dont have proof of postage as I sent it at the end of November and having not heard anything from you till now thought e
  11. I recently cancelled my o2 broadband and they informed me that if they didnt get the router back they would charge me £50 so I posted it back to them in the prepaid envelope (which was back in November) I got proof of postage, and today I get an email from them saying that they havn't received it and if they dont get it within 7 days they will charge me £50 and I now cannot find the proof of postage. What can I do as I deffinately sent it and I have lost the proof of postage.
  12. I recently cancelled my o2 broadband and they informed me that if they didnt get the router back they would charge me £50 so I posted it back to them in the prepaid envelope (which was back in November) I got proof of postage, and today I get an email from them saying that they havn't received it and if they dont get it within 7 days they will charge me £50 and I now cannot find the proof of postage. What can I do as I deffinately sent it and I have lost the proof of postage.
  13. Ok Aic sent a very nice letter back about the complaint apologizing and have also sent a cheque for the £1 postal order. This morning she received another letter saying that her account had been closed and to not make any further payments as this would incur an admin fee? Can she now report them to the financial ombudsmen and oft? If so are there any letter templates?
  14. But because they have used the £1 towards payment they will be saying that she has acknowledged the debt and they will probably sell the debt after ignoring them and have to go through this again.
  15. It is my partner who has the debt it is with Allied international credit for a loan with the TSB she originally sent them a letter requesting the CCA using this template I do not acknowledge any debt to your company. Dear Sir/Madam This letter is a formal request pursuant to s.77/78 of the Consumer Credit Act 1974. I require you to provide me with a true copy of the credit agreement relating to the above account, together with any other documentation the Act requires you to provide. I expect you to comply fully and properly with this request, within the st
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