Hi, thank you so much for your input. She does have it now in her name and I will get her to ring up and see what they are willing to do.

How can Interparcel (I know them well, and they are normally pretty good) inform you about the differences without sending you the details. You are quite right that you have to out the dimensions and weight in before they give you a price but if Parcelforce have measured it and found it was wrong dimensions they should of photographed it as proof. How did you pay for the parcel Paypal or card? Might be worth speaking to them and informing them to stop any payments to Interparcel. I wouldn't worry about debt collectors as again they would need proof you owe anything. Good luck

My dad passed away last week and I have been helping his wife go through a few things. The virgin media contract was due for renew in June - July time, when she rang and informed them of my dads passing she asked to take on the contract till then. All seemed fine until a letter arrived yesterday and the ,monthly payment has risen by £12. What would be the best way to play can the contract be cancelled as it was only in my dads name or will they try and sign her up for another 18 months? Thanks again JJ

We need some information about the Special Guardianship which we started to to do but at the time we were not in a position to do. If we sent off a SAR is this possible or will they be able to refuse this? We have got a family lawyer involved and they will need some of these details for our case. Thanks again

I have spoke to her social worker today and she hasn't every heard of a care and placement overturned, but I have done some reading and this is possible but trying to get all my details straight before I start with the process. Thanks again

Thank HB Yes it was West Sussex Social Services.

Hi, hopefully this is the right section quite a difficult case regarding my Grand Daughter. Before Covid my Grand Daughter was taken into care, at the time we were not in a position to be able to take her in full time sadly. She was with a Foster career through out Lock down and was put upto adoption in November last year, the adoption has now broken down and she is back is in the system. We are now able to take her on full time, but we need to over turn the Care & placement order but don't know how the best way to start with this. Thanks JJ

Had another Letter of Claim come through today, do I fill this in again and send it off?

Sorry this is for another. The o2 one with lowell is the same debt but the default dates are 3 months

On the credit file, its now not showing a default date, no details of the original debt just fixed term deffered payment loan, the status is showing delinquent and now 6 missed payment. Shouldn't this have been linked to the original debt

Thanks DX wait to see when the default date is and what Lowell are reporting

Thanks, We have problems with Lowell, firstly they are now reporting missed payments on the account that wasn't there before, so have SAR the OC to see if we can get a copy of the DN. Secondly they are chasing for a minimal amount (under £50) on an 02 default, but on the credit file both 02 and Lowell are showing the default is this right or should only one be showing it? Thanks again

If you had the IMEI number you could report the phone stolen so it can't be used if you think its been switched.

Thanks DX, Have been having a good read and see what they plan to do next.

If they go further with a court case as they have sent a CCA request and DN

Been reading up with the won cases. Do I just wait and see if they go ahead now?

Here is a scan of the response to the CCA. There is a online application file, 3 pages of terms and conditions, and the default notice I mentioned in an earlier post that is 18 months earlier than reported on my credit file. Vanquis .pdf

Yes along with a statement of payments and the default notice that I already had

Had a response to the CCA agreement and they have sent the Digital Signature along with the Terms and conditions with my name etc and date all corresponding to my application.

Thanks Both of you. Bob - Lowells took over the debt from Moorcroft in 2019 who if I remember rightly were acting on their behalf. DX how is it best to play this as payments were made via step change until 2018 but the default note I had here is July 2017

I do have my credit file open in front that says 31st Oct 18 for the default. But the letter from Vanquis that arrived in recent SAR I did is dated 31st July 17. Problem is I see how I can complain about this as this would be admitting the debt, while I am waiting on my CCA request from the PAP paperwork

Thanks Stu, T&C down graded my complaint to a stage 1 because they say they hadn't replied, that was the reason I escalated it to a stage 2. Swale have now completed the work and the solar panels seems to be working but of course we won't know how well until next spring onwards. I am waiting now to see what compensation package Swale are going to offer me for all the problems of the last couple of years. Thanks again for all your help and advice and I will keep you informed.

Just a brief update. T&C Has paid me the money for the damaged shed. Here is what has happened with the solar panels. 4th October the engineers from Swale turn up to start work but can't because the Scaffolders who have been booked do not turn up. 5th October, the scaffolders turn up but don't bring enough pipes to finish. 6th October they come back with the rest of the pipes but don't bring any rope to hoist the panel up. Meanwhile Swale have opened the Solar panels to find they have been sent with no fixing brackets and there is none in the UK. They are meant to be out late next week with the right brackets, finger crossed. The T&C representative has been doing his job and keeping me informed with what is going on, and has had a meeting with the CEO of Swale because of this matter.

Still nothing from either. I have been looking through the SAR that Vanquis sent me and in it is the default notice that is dated 18 months before the Lowell have registered on my credit file, hows is this possible? Would of it been when they took the debt over? Thanks again

Nothing from lowell for my CCA request