Thanks all, I will send my SAR to 3 tomorrow. Lowell have emailed to ask what I am planning to do about the debt! I will ignore them Thank you for your help Deb

Hello, Sorry if I sound dim but do I send the SAR via Lowell? What am I complaining about? Three or Lowell's letter? Thank you Deb

Hello, Looking for a bit of advice please as I have received a letter from Lowell saying I owe Three Mobile £397 so I requested a statement as the number they are saying the debt is on is for an old Three mobile account that I had years ago. I should add that I am still with Three and have been for years with a different number on which I have just got a fantastic upgrade package for being such a good customer! Lowell are saying that the number concerned terminated early so £335 is an early termination fee and £61.82 is airtime balance outstanding. I asked for a statement and they have sent me a statement dated 26 June 2012 from Three showing £61.82 only with a message on the bottom of the Three statement saying "We closed your account on 29th May 2012 but the balance is still overdue" The Three statement makes no mention of an early termination fee and Lowell's letter says "After liasing with Three mobile we can confirm an early termination fee of £335.83 was added to the outstanding airtime balance of £61.82 unfortunately this does not appear on the statements (even though there is only one statement) enclosed" I honestly can't remember how I cancelled this contract but surely I would have known if I'd have cancelled it early and would Three really have let me have an upgrade on my current mobile if I owed them money??? How can I be sure I owe this before I pay it? They are threatening Legal proceedings if I don;t pay within 7 days. I have looked on my Credit file and it shows 2 entries for Three. One shows £62 outstanding says started 25/1/06 updated to 29/7/12 and the other says Settled - started 19/7/2011 Updated to 10/3/13 so no mention of £397 anywhere! Would really appreciate some advice. Thank you Deb

Hello, I have been "threatened" by email, txt and recorded message that MMF will "embarrass" me turning up unannounced despite receiving doorstep letter twice and advising I will only communicate in writing. I'm ok with all that but today I made them an offer as I do owe the money after all and the offer is a bit more than my personal budget planner suggests but they have refused it and offered me three different options...a) one off payment with 20% off b) two installments c) four installments. I cannot afford either of these options and they say that they will add further interest and charges to my account if I don't set one of these up. I have sent them another email and upped my offer a little but it really is the most I can afford, I've said that if they go to court they will only get the pro rata amount from my budget planner because I have a few debts I am trying to pay off. Can they really add more charges and interest as they have bought the debt? Many thanks Deb

Phil I know exactly how you feel as I had the recorded message from "Mike" this morning telling me to press 1 to make an appointment otherwise I would have the embarrassment of him turning up at my house unannounced. The thing that gets me is that I have emailed them twice with a proposal as I too owe LS money and I know it has to be paid... After the call from Mike this morning I rang them and said I had emailed and that I would not speak to them only in writing and a really nice lady said she would remove my number and respond to my email, she did but refused my offer and again threatened a doorstep visit and litigation....Don;t let them wear you down Phil but I totally sympathise with you as the threatening messages from Mike have upset my youngest son... Good luck

thank you but Boooo

Haven't been back on the board as I have been in hospital but today I have notice something on my Experian report. On the Cabot debt it shows a green circle which means up to date (it does have a question mark in) and the balance says £0 but then again it goes back to the £674 they are chasing. I've put a picture of it below not too sure how clear it is. I haven't had a chance to do anything yet with their paperwork. What are your views on this on the credit report. Should I send a copy of this to Cabot to ask what it means? Thank you Deb[ATTACH=CONFIG]45590[/ATTACH]

Lol...Crapot, did make me smile but they have said that now they have complied with my request to supply the information (it arrived today, sorry I was probably unclear in my previous post!) that they can enforce the credit agreement and are able to obtain a ccj against me and I don;t want that to happen. I guess I'm in panic mode at the moment..and if I;m honest I am in enough debt with things I know I haven;t paid so don;t want to be paying something I;m sure I already did pay..if that makes sense. So I have the reconstituted true copy of the credit agreement and the signed copy of my credit agreement??? But what I would really like to see is the statement of credits/debits from capital one. They have put in a page entitled "Statement of Account" but it just says Cabot confirms: the outstanding balance is £600. The amount you are reuored to pay to Cabot is £600 You are not able to draw further on this account. Thanks for your help

Thank you, I'll get onto that. Just a couple of questions, Cabot have given me 14days to respond, will that put that on hold if I advise them I have sent a SAR to Cahoot as they say they will escalate it if they haven't heard from me and I really don;t want this to go to court. Many thanks Deb

Hi All, Been a while but I have now been sent a reconstructed signed agreement after rather a lengthy wait (Requested Sept 2012). To be honest I wasn't really disputing the agreement just the fact that I am 99.9% sure we cleared this with a full and final settlement when my father in law died and left us some money but as it was such a long time ago I cannot find any details at all. What I would really like to see is a statement/s from Capital One. Can I still ask for this or should I just ask to set up a repayment plan now I have the signed agreement. I've been ina nd out of hospital recently with operations and really don;t need this. Many thanks in advance for your help. Deb

oops I meant my credit report not credit agreement!

Thank you so much. Have checked credit agreement and it shows as Cabot on there and not Capitalone. Its says started in May 2004 and default date 2009. I think I'll just sit tight and see what happens next. Thanks again all

Thank you but I'm still confused as I have seen conflicting advice on the boards regarding this kind of thing. Squaddie are you saying that I should pay something even though they haven;t produced a cca to prevent it going to court? Sorry it's just that I'm going back into hospital soon and I don't want hubby to have to be dealing with phone calls or letters while I'm in. Thanks Deb

I cant remember now but it must have been at least 4-5 years ago

Hello, Please could someone give me some advice. I requested CCA from Cabot re a debt to Capital One. They have said they have been unable to get the original CCA and that the account with them shall remain on hold whilst they continue to request the information. They then go onto say that I am still obliged to repay the outstanding balance and should contact them to set up a repayment arrangement. What should my next action be please, would really appreciate advice. Many thanks Deb