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About dcahater76

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  1. Back in the day I worked for DWP we got ours around July or August
  2. Wigwambam let me tell you of my experience about two years ago I got scammed on ebay due to a high value item I sold the purchaser then did a chargeback stating the item had not arrived. Typical really despite me providing proof that the item had been signed for they debited my PayPal account by £1900. spin forward to now I closed the bank account linked to PP and got a few texts from a company called Alkninka then went and blocked those also I occasionally get spam mails from BPO Collections House which I ignore. Paypal operate in this country however as far as jurisdi
  3. Speaking from past experience you could do as DX100 states offer them a low full and Final payment about 50% as a starting point if they accept this it is imperative that you apply to the county court for a certificate of satisfaction for both debts effectively if later they either sell the debt on or try to collect the rest of the debt that will stop them in their tracks.
  4. Well time has gone by now EE are in default of SAR. Just got a letter from the lowlifes today stating ‘please contact us to arrange payment” it’s taken them five months to come up with this I’m going to sit this one out Until such a time as they try court I have a robust defence for both accounts now thanks to the forum members.
  5. Well I emailed Lowlifes yesterday about the EE Account explaining that £252.88 of their supposed amount is EOC charges they came back today with this. Good Afternoon.. Thank you for your email. Account Number: ... – Original Client: EE Limited – Current Balance: £390.17 Your amount owed is broken down as follows: Open date: 11/03/2012 Last payment 30/03/2017 for £52.66 DD rejected – refer to payer Airtime debt value £137.63 – made up of phone charges and accrued bills. Early termination penalties £252.54 Your bill is made up airtime debt and
  6. Thanks for that Andy my apologies for not noticing that.
  7. Hi DX, I took this out in December 2017 and yes I signed two documents digitally at a 02 shop. One was the contract for airtime and the other was for the handset agreement. The Sar Return has both contracts attached quite comprehensive compared to the account EE has supplied,
  8. Hi Andy Thanks for that sadly those links don't work I have checked to Unfair terms section of CRA 2015 but could not find anything relating to mobile phone contracts? am I missing something here?
  9. Hi all, Received the SAR Return from 02 this morning. I have gone through it all and it looks like the amount lowlifes are claiming is composed of £118.10 airtime use and £252 Handset charge. I thought I had paid off the handset when I entered the contract however checking my bank records I only paid a deposit on the handset and this was a 02 Refresh deal. I got a email from lowlifes yesterday stating they are still trying to get the information from 02 to answer my complaint. In Light of the SAR return can anyone suggest what I do next? In siting on this until lowlifes com
  10. Cheers DX starting to feel a bit more confident about killing this prior to litigation.
  11. Well will see what the SAR return from o2 says when it turns up. Just out of interest does anyone know what paperwork lowlifes get when they purchase debts? Or is it more of a line on a spreadsheet?
  12. But there is no 02 Id check or credit quotation on any of the reports it’s like the mobile contract and handset charge never existed?
  13. Okay so got another pre legal letter from Lowell I’m not worried. I have reviewed my credit file from all providers and no mention of 02 or Lowell anywhere. Am I right in thinking this would prevent any court action?
  14. well I Have done a bit of digging around my credit files. I have checked Equifax, Experian and Callcredit and Neither Lowell or O2 show on any of the files? I find this a bit strange to say the least.
  15. Thanks DX going to sit on this and see what happens I suspect the amount they are claiming can be countered effectively will know for certain with the SAR Return from O2 since I asked specifically for a breakdown of the amount they claim I owe.
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