Jump to content

Escaped

Registered Users

Change your profile picture
  • Posts

    65
  • Joined

  • Last visited

Everything posted by Escaped

  1. i refer you to posts 8, 17 & 25.. it isnt clear what you are referencing. please assist.
  2. Hello, i have now searched back through my records on the BT and Vodafone accounts. I will deal with the BT first. I asked for information on BT from Lowell . Original balance they report was £499.93 Last pay date was 16/12/14. acct number ended in 875 original acct no end in 207 however they claim it was a mobile account ended in 1401 but its a landline Default date is 08/2015 bill date is 27/03/2015 start date June 2014 account cancelled by BT last pay £86.16 terminate fee £241.00 airtime £257.94 The above information is on a response letter from Lowell dated January 2020. " We have requested from BT a copy of the statements for the account to help clarify the matter for you, We will write to you further once we have received this documentation". This was the last communication from them other than debt collection letters. They claim airtime for a landline. I also cannot believe that there is a early termination fee for a landline. What do i need to ask for to dispute this debt? also how can they report the debt in default a year after i moved out of the property and the line was suspended by me?
  3. I have a personal loan with Likely loans. I have had a payment holiday and times up. I want to refinance this debt. I have an offer for a much better interest rate. I want to offer Likely less than the outstanding balance to save the loan cost if I can. Want to see if I can get them to give me a discount off the total P&I balance now. Has anyone on this site had any success with getting a discount off of a total balance plus interest (full amount) to settle an account early? My loan termination date is 2023. If yes what is the %.of the discount? Do any Caggers have success stories they can share . Otherwise I will have to wing it. total outstanding amount is £5700 (P&I)
  4. you have misunderstood. its not a pdl loan. its also not in default. i have made the payments as agreed. everything is good except the Lowell account. lowell reports to TU there my score is 556, my Equifax is 589. i am almost at the top of the score band on Equifax. Lowell doesn't report there. i am just trying to see what i can get away with paying less settling a debt for less, and get a better interest rate in the process. all my debts are paid on time for the past 6+ yrs except lowell. this is not a pdl its an unsecured personal loan. the link supplied doesnt work and is not the right topic.
  5. not the case. i am on the electoral roll, and don't have any one associated with me at all. i got a refusal stating recent defaults, this is one that is updated every month, the point is it is not mine. now i have another question unrelated to this. i have a personal loan with Likely loans. i have had a payment holiday and times up. i want to refinance this debt. i have an offer for a much better interest rate. im trying to see if they will take a reduced amount to settle given covid and many ppls are taking holidays. Has anyone on this site discussed a range of discounts being given during covid to settle at less than the full amount? if yes what is the %. i want to make them an offer. i am happy for you to repost this ( cut and paste) on a new thread.
  6. the reason this hurts my file is because it is updated every month continues to show default since 2015. it is the only derog on my report. because it is updated every month, it hurts my score. i got refused, but in other cases because of the default, i get offers at a much higher interest rates, and su prim lenders. sub prime lenders
  7. Maybe so, but i am harmed when this is not my account. The last payment on this account was made for £108.85 on 13/04/2015 before a default was applied on 10/12/2015 for the balance of £674.76. this in the text above. please help me contest this. thank you.
  8. i sent it off last week. and yes, i get decline because this shows as a recent and recurring default since 2015 on my TransUnion. it needs to come off. lowell is reporting, surely there is a way to challenge it, becuase if they own the debt, the need to prove the account is mine, like you said its the same information that was on the BT account a year ago. help me challenge it please.
  9. Lowell stated the above that's exactly the same as the bt thread correct. The Vodafone account is not mine. i never had the telephone number they cite as the number associated with teh account that they claim i owe £674. so i cannot ignore it because its on my credit report. i need to borrow funds, and this is the only derog stopping me. help me challenge it,.
  10. Its not my acct. I cannot ignore bc its on my credit report. Its the only derog on my report. For various reasons it need to come off if lowell can't prove its mine. So please advise how to challenge lowell the acct is mine, balance defaulted etc.
  11. Show that I was residing at Kempsford Gardens on the alleged defaulted date of 27/08/2015 or any other date after 16/12/2014. Alternatively remove any debt you allege is owed because back billing and billing for unused services is not allowed. 10. Please explain Lowell reporting to the credit bureaus that the debt outstanding to BT is £674. The account number concerning 3 Kempsford Gardens Flat 4 which I hold is another account number which is BT xx7 start date is 15/07.2013. 11. The account number you claim is owed to you is an original account number BT xxx 07. You claim the start date on this account is 19/06/2014. Please explain the discrepancy between these two accounts including ownership of both accounts, and why there are two accounts you allege for the same address with different dates. i assume this is what you are referring to ? this is posted under my BT query on CAG. if yes you are right. they reported the BT debt as the same amount, Bait and switch. what should i do about this? i just sent a SAR request to Vodafone.
  12. Hello i cacluated the VF debt as follows: £467 + ET fee £206.= £673. old BT debt is £499.+ 119.= £619. which part of the£value is the same? what am i missing here?
  13. Because they wrote to me last time and told me I also had a BT debt. its now time barred. seems this is a new one. Its not my account. so i cannot ignore it. i need to ask them to prove its my account. in this case, since its not, i need your help yo ask for proof. thanks
  14. Hello DX. Happy new year to you and the CaG team. That is what Lowell says in their letter. the other 3 acct from last year are now time barred.
  15. We have the right to contact you about the debt we hold which is as follows, however we can remove this email from our system again if you wish: Account Number Original Client Original Client Reference Current Balance xxxxx1368 Vodafone xxxxx4850 £674.76 The Limitation Act and your account We’ve noted your comments, however, Vodafone account ...... is not statute barred under the Limitation Act 1980. This is because the full balance became due after you defaulted on the original agreement. According to Vodafone, the Default Date was 10/12/2015 and the debt remains enforceable for 6 years after this date. This account had an agreement start date of 15/07/2013 and was disconnected on 06/09/15. It relates to phone number xxxxx08279. The last payment on this account was made for £108.85 on 13/04/2015 before a default was applied on 10/12/2015 for the balance of £674.76. this account and telephone number is not mine. I provided Lowell with evidence that at the time of the default, i was living in another country. The debt is comprised of an Early Termination Fee of £206.96 and had an Airtime Debt Value of £467.80. how do i dispute this? Airtime debt is made up of any usage and your monthly payments until the account was disconnected. Early Termination Fees are charged as your account was closed prior to your contract expiry date as specified in the Terms and Conditions of the contract, as such you become liable to pay the full cost of the remaining line rental. Does this help you to recognise the account? NO Please be advised that we are unable to supply you with a copy of the deed of assignment as this account was purchased as part of a bulk of accounts and therefore the assignment will hold personal data in relation to our other customers. Lowell are not legally obliged to provide this information. Ok if this is the case, then how can they collect the debt. what do i need to ask for to dispute? The deed of assignment is an agreement entered into between the original owners of the accounts and Lowell Portfolio I Ltd. The deed of assignment does not contain any specific details relating to individual customers whose debts are being purchased. This contract is therefore not part of the information which you are entitled to. A copy of the notice of assignment is attached to this email. i have included this in my post. I have requested a copy of a statement from Vodafone which may come in the form of a final bill. The account is on hold until the document can be provided. Lowell are not applying any charges or interest to the balance. Lowell is not obliged to provide an agreement for this account as telecommunications contracts (landline, mobile and broadband) are a service agreement and not a credit agreement, as defined by the Consumer Credit Act 1974. As this is not a regulated agreement under the Consumer Credit Act, there is no obligation to provide a copy signed agreement. For telecommunications contracts, usage of the equipment is taken as acceptance of the terms and conditions of the contract. Telecommunications accounts can be obtained by telephone, online and by mail order, this means that a signed agreement may never have existed, so we wouldn’t look to request one from the original creditor. There’s no obligation for Lowell to issue a new default notice, default warning letter or provide copies of the original default notice, suspension or termination notices issued by any original companies. i was asking for the original default letter and other supporting documents from them. if they cannot provide, surely they will stop collecting, Right? For further information relating to charges and payments made to Vodafone, you would need to submit a Data Subject Access Request direct to Vodafone. so should i send a SAR to Vodafone? Data Subject Access Request If there’s some particular information you need, or you have a specific question about your account, let us know – we’re here to help and will contact Vodafone on your behalf. However, if you want a copy of all the information Vodafone hold for the account, you would need to submit a data subject access request to Vodafone, in accordance with data protection legislation. We also have details of the following accounts: notice of assignment.pdf how do i respond to this please?
  16. Dear uncle, thanks for your response. debt sooo long ago, do not remember. but the one i can remember was a cc. i get my credit reports weekly and monthly. there is nothing on them concerning this debt. canot have it show up either. whats next?
  17. today I received a collection notice concerning this debt. They offered for me to pay a reduced amount by no later than Nov3. As I did not receive it until 13 November, I did not respond. This is not my debt. I have not had an account with HSBC since sometime in maybe 2000-2004. I have no idea where this came from. I have not contacted them as yet. Came straight here. please help me with a response. thanks.
  18. The sar attached doesnt compare with the docs lowell says they have.
  19. You misunderstood how long does bt have to produce the requested d ocs here? Agreement start date: 19/06/2014 • Application address: Flat 4, 3 Kempsford Gardens • Tariff Description: Phone BB Hardware • Disconnect Reason: Cessation by BT • Original Creditor: BT Retail Consumer • Mobile Number:02078351401 ( this is a landline ) • Client last payment date: 16/12/2014 • Client last payment value: 86.16 this is not £499.00 • Default date: 27/08/2015, this doesn't square with last pay date. • Airtime Debt Value:257.94 • Early Terminate Fee:241.99, can they charge this? • Billing Date:27/03/15 If no response within statutory time, what can i do to get lowell remove credit report? Can you explain the implications of the response and the SAR as far as Lowell being able to collect the debt? - they can ask or issue PAPLOC/courtclaim. I attached the sar is this enuf info to prove lowell has any legal rights?
  20. the debt was already defaulted by BT when they sold it on Lowell cant change that nor are they harming your rating any further by continually reporting to it. Incorrect, its a defaulted acct effects credit score. I cannot ignore the credit reports. please answer my question. 1. how long does BT have to respond? the date of Lowell letter was 23rd of Jan. 2. if BT doesn't respond within that time frame, what can I do to get the account removed from the Credit reports? . 3. how can I get Lowell to stop collection if BT doesn't respond timely. 1. Can you explain the implications of the response and the SAR as far as Lowell being able to collect the debt? thank you. Not going to pay, not scared either. If they canot prove debt the report comes off
  21. Bc lowell keeps reporting debt as valid on credit reports sending me collection letters.im disputing these.
  22. Lowell has written to me concerning this debt on the 23rd of Jan 2020. letter states: We have noted the contents of your letter and we understand that you have no knowledge of this account. We are able to offer the following information regarding the account. • Agreement start date: 19/06/2014 • Application address: Flat 4, 3 Kempsford Gardens • Tariff Description: Phone BB Hardware • Disconnect Reason: Cessation by BT • Original Creditor: BT Retail Consumer • Mobile Number:02078351401 ( this is a landline ) • Client last payment date: 16/12/2014 • Client last payment value: 86.16 this is not £499.00 • Default date: 27/08/2015, this doesn't square with last pay date. • Airtime Debt Value:257.94 • Early Terminate Fee:241.99, can they charge this? • Billing Date:27/03/15 LOW105_230120 497503_MACHINE\ 116\247 \ lof2 \ Airtime Debt is for the services used and the Early Termination Fee is calculated to reflect the remaining months of your contract which remain unpaid from the date of your account closure. We have requested from BT PLC a copy of the statements for the account to help clarify this matter for you. We will write to you further once we have received this documentation and in the meantime your account is on hold. I obtain the SAR. it is attached: this is all they hold. 1. Can you explain the implications of the response and the SAR as far as Lowell being able to collect the debt? 2. I responded to Lowell with this letter: Lowell Financial Ltd. 4875 Dear Sir: I write to you in response to your letter of 23 January 2020. Insofar that a relationship may have existed between myself and BT I cannot recall this account (Agreement) and request that you supply me with a copy of the Account/Agreement and other documents listed in the bullet points of your response. I deny any breach of the purported agreement. You have failed to supply me with a copy of the agreement requested . I have never received any evidence that you are the legal owner of the debt, by assignment, sale and purchase agreement or otherwise. I have never received and am unaware of any legal notice of assignment or Notice of Assignment pursuant to Law and property Act 1925 Section 136(1). This document is not referenced in your response. I deny that I have failed to maintain the required payments to BT. It is denied that I have failed to respond to demands for payment sent by you and/or its agents. Lowell is put to strict proof that any such demands have been sent to me by you. a). Lowell appears to admit it is the assignee of a debt, it is denied that the Lowell has the right to lay a claim due to contraventions of Section 136 of the Law of Property Act 1925. b). It is further denied any funds are due Lowell because the Lowell appears to have sold this debt to another firm in 2019. Lowell must therefore show how it has legal right, either under statue or equity to collect this sum from me. I deny owing any money to Lowell and you are required to produce evidence to support your claims that this sum is in default, due and owning this includes: a. Show how the I entered into an Agreement. b. Show how I have reached the amount claimed for. c. Show that I failed to maintain the required payments and the service was terminated as claimed. d. Show that the statute of limitations on this alleged debt has not passed. 7. As per Civil Procedure Rule 16.5(4) it is expected that Lowell must prove the allegations that the money is owed; having been provided with written requests for information under CPR 31.14 and to date have failed to provide any such documentation as detailed in its response letter. 8. Notwithstanding the above should the alleged amount claimed include an early termination charge(s) amounting to the entire balance of the remaining contract. OFCOM guidance states that any Early Termination Charge that is made up of the entire balance if the remaining contract is unlikely to be fair as it fails to consider the fact that the provider no longer has to provide and pay for their service. You state that the balance due includes £241.99. You must remove this from any collection efforts, and I dispute that this and all other balances are owed by me. 9. Show that I was residing at Flat 4 3 Kempsford Gardens on the alleged defaulted date of 27/08/2015 or any other date after 16/12/2014. Alternatively remove any debt you allege is owed because back billing and billing for unused services is not allowed. 10. Please explain Lowell reporting to the credit bureaus that the debt outstanding to BT is £674. The account number concerning 3 Kempsford Gardens Flat 4 which I hold is another account number which is BT xx7 start date is 15/07.2013. 11. The account number you claim is owed to you is an original account number BT xxx 07. You claim the start date on this account is 19/06/2014. Please explain the discrepancy between these two accounts including ownership of both accounts, and why there are two accounts you allege for the same address with different dates. Alternatively, if you have no explanation: You must cease and desist from collection activity including reporting to the credit bureaus, pre claim letters and any other forms of collection activity with immediate effect. Please write to me confirming that you will take no further action. Failing this I will file a counterclaim and ask the court for costs. Kind Regards I received the email below last night: "I can see that we also hold the following account details for you: Account Number Original Client Original Client Reference Current Balance XXX192 Orange xxx321 £285.91 XXX875 BT PLC xxx207 £499.93 I can see that the above BT PLC account is currently on hold, as we are requesting information from BT PLC directly. 1. how long does BT have to respond? the date of Lowell letter was 23rd of Jan. 2. if BT doesn't respond within that time frame, what can I do to get the account removed from the Credit reports? . 3. how can I get Lowell to stop collection if BT doesn't respond? what is also interesting is I have a letter from Lowell for the orange account and also a BT account, but the balance is £199.11 and the account number ends in 192. There are too many account numbers with different balances for the same address. any suggestions how I address this with Lowell? Lowell writes: "The period for recovering your Orange account by court action has expired. We will not be issuing court proceedings to enforce payment. However, your debt still exists and legally we are within our rights to continue to ask you for repayment. With this being said, this account does not look to have a payment arrangement set up as of yet. How would you like to proceed with this account going forward? If you can let us know then we can look to assist you further". If the time has expired to collect a debt from orange, how do they have a right to collect? seems the SOL runs for both. how should I respond? In the meantime, I have placed your Vodafone and Orange accounts on hold for the next 30 days to give you time to get back to us. Can you give me some suggestions on how I unravel this and respond? Thank you. SAR_BT.pdf
  23. Interesting comments re discontinue claim. I have another lowell telecon debt but not the claim stage.on credit report. There is not enuf info to challenge the report. I suspect its v similar to this thread. Should i write cra/lowell use disconnect charges to end of agreement to challenge?
×
×
  • Create New...