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scott6kids

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Everything posted by scott6kids

  1. had a letter from Lowell saying that they have passed this to Lowell Solicitors who want to discuss this account but the balance is still showing at £1094.77. Need to tell someone that the balance is wrong surely?
  2. Hey, I am trying to sort out my finances and the car is massive chunk. We took the loan out in Oct 2015 and has been paying £424 p/month of which just over £150 is being used to pay the capital - the rest is interest. When can I ask to return the car and where does the half way point hit ? is it once half the loan value has been paid (half the cars purchase price) or once have the total loan value (inc interest) has been paid? Many Thanks Scott
  3. Hi, I have come had a recovery letter sent from BPO Collections trying to recover 0.88p from a 2 year old Plusnet internet account? Other than being slightly stunned that a DCA would purchase a debt of 0.88p - I wanted some advise on the best way to proceed as I dont want to give BPO my card details ets and Plusnet are refused to deal with me or take any payment for this ridiculous amount. Cheers
  4. Hey, Thanks for the reply, if I contact them to say the balance appears incorrect will they take than as an admission? Scott
  5. Think this will work. Balance is showing at over £1K but the default is less...eh??
  6. approx £2500 however I have just looked at one of the entries is well weird. Let me try and upload a screenshot.
  7. They are not asking me for a penny, they have not updated the status off the accounts on my experian credit file since 2014.
  8. Hey, I am on a quest to clean up my credit file and see that I have a number of defaults that have all been purchased by Lowell. Now these are all from mobile phone services that we took a number of years back when times were harder than now. From reading the different posts, I am guessing paying these defaults would have no effect on my credit rating at all and I am better off leaving them to fall into statute barred status. Is there a best way to move forward? a way of getting Lowell to see since in offering to update my credit report in return for payments? surely they would rather this option that leaving the accounts to fall into SB? Anyone have any ideas, please? Thanks Scott
  9. Hey, Thanks for the reply. Its mobile phone accounts that are all now being managed by Lowell - when I say managed : it looks more like they have purchased the debt from the telecom providers. These defaults are having a major impact on me and preventing any mortgage etc and I need them gone to be honest. I didn't know if actually paying the balance would make any different at all however from info read so far, its not looking very promising. Thanks Scott
  10. Hey, I am on a quest to sort out my credit rating after a few years of neglect and there are a few defaults showing. Now these are for mobile phones which I messed up between jobs and have since left. My issue now is that there are still showing as in default although a few of them area approaching SB. Other than the whole moral reasons for pay these accounts off, is there any immediate benefit for paying these accounts off? Will having the default there but marked as "settled" offer more point on an Experian credit score ? Cheers Scott
  11. I purchased a PC off a private seller via Gumtree on the 7th August 2016, the machine was custom built by the seller and I was advised that the machine was brand new and that parts had a warranty which could be checked online. Yesterday (11th Sept 2016) the PC stopped working other than a suspicious red light which came on when the PC was switched on. Contracted the seller to ask for any warranty details and explained there was a fault however my request was ignored. I went to local PC world today and spoke to their onsite tech team who looked the machine and proceeded to take out all parts out in order to try and identify the possibly problem the machine. After checking everything it because apparent that the problem was with either the power supply unit or the motherboard. All other parts were fine. After checking the power supply it appears it was actually a problem with the motherboard however the machine suddenly caught fire in the store. The "expert" quickly switched the machine off and commented on how the machine was very poorly assembled and cable managements was poor. The seller was contacted again to ask what their advice was and they dismissed my issue completely, they now say that contrary to what they initially said - they didn’t build the machine - someone else did but no indication of who. This seller clearly doesn’t want to know or help me so I am left with no alternative but to seek external help. I would like a refund of this machine as I don’t believe it was fit for purpose - the seller said they have built it but now claim to not have nor does the machine have any form of warranty which again I was led to believe before the sale took place. The total cost was £475 paid via bank transfer directly into the seller’s bank account whilst collecting the machine in his home. is there anything that I can do ?
  12. quick update - I complained to them and have been told to go away - they have confirmed that they don't check the service history on any vehicle they purchase at auction and effectively sell cars "as seen" I have been advised to contract the ombudsmen if I wish to.. Talk about not giving a toss about customers..
  13. just sent a letter to their complaints email address listing all the faults and approx. cost in repairs we have paid out and asking if they would reduce the settlement figure by £1625 to match the valuation offered by a new dealership as a part ex. These figures do also match with the valuation based on other websites. I have asked them to treat me fairly and said that spending over £3000 in repairs in addition to the annual service and standard maintenance costs should carry some weight in reducing the settlement figure. Fingers crossed.
  14. Quick update - I have a settlement figure however TFC are refusing to negotiate on any reduction . Apparently they have a policy of not negotiating with customer ref settlements - I spoke to a person at the complaints line who really didn't care . I explained that I needed to get rid of it he car via part exchanging but that did leave me with £1600 negative equity however the response was pretty much "tough"
  15. Thanks all - I have send a letter to them via their complaints section on the website - been advised it will take 24 hours for an initial response. Let's see how it goes but yes, they are not renounced for being very customer friendly however I do feel that 6 months is ample time to fix a network problem. Thanks
  16. Hi, We have been with Vodafone for 10 months now ( 2 x 2 year contracts) and have had a network problem for the last 7 months which Vodafone have acknowledged and offered us a 50% credit every month. The fault is still there and listing on their website as being worked on by the engineers however it's just a massive pain not being able to use the mobile internet or make calls all the time within my home area. Do I have any grounds to say enough is enough and cancel the account etc ? I feel that 7 months is long enough to fix an ongoing problem and surely they must believe the same ? What's the opinions of the experts ? Many Thanks Scott
  17. Hi, I am in the process of trying to source a mortgage however the fact that I have historic defaults on my credit files from telecom companies is causing me problems. These are all with Lowell and range from 4 years to 5 years old. What's the best way of dealing with this to ultimately get the defaults removed off my credit file within the next 3 months due to wanting to take advantage of a "right to buy" offer we have. Obviously I am NOT saying that I don't want to pay these however if its best to go down the "final settlement" route as long as the default is removed etc than I am happy to look at that? Some of the defaults I genuinely don't have a clue what they are and would protest against them if time was not against me. any help would be gratefully received. Many Thanks Scott
  18. Thanks - my original understanding was that the credit agreement would not be valid of the BOS was not registered within 7 days - that's what I am trying to find out. Have I got this all wrong or is what I am doing nothing a waste ? Cheers Scott
  19. After much email tennis with the courts they have finally confirmed that they have a bill of sale registered however will not confirm the date that it was registered with them until I pay them £45 as a fee to search the bill of sale register ? is that right? Cheers Scott
  20. I have just gone back to the courts and explained my situation and the reason for me wanting to know the dates of when the bill was registered .
  21. Thanks, I have contacted the courts ref when the bill of sale was registered with them and they don't seem to know what I am asking. They keep referring to an execution date and who executed an enforcement. Is there a particulate terminology I should be using ? Thanks
  22. It's a credit agreement secured by a bill of sale. How do I check when or if the bill of sale was recorded and within the correct timescale. To be honest, my hope is that there is loop hole that aCF have left open for me to get out of this agreement and arrange another vehicle . During the 44 months we have had this vehicle we have not missed any payments etc . Thanks
  23. Stupid question however the car was purchased on the 28/12/2011 , I have emailed QBEnforcement to ask if / when the BOS was registered however will the fact that it was the Christmas & New Year week go for or against me should the BOS not have been registered with 7 days? Thanks
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