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  1. I've had letter from Lewis debt rec for 2686.82. They state I need to pay by 19th August. I can't find this debt on my Equifax report and though I have had past debts, t hey have been paid and upto date. I dont recognise this amount and no client is mentioned apart from CL finance and a reference number that looks like a mastercard credit card number. Should I ignore this letter? Or should I contact and enquire.
  2. Hi, I will try to make this as short as possible... In 2006 I received letters from the Lewis Group concerning a debt owed to NEXT. I asked them repeatedly for the CCA as I had no recollection of this debt and has not lived at the address they claimed it was taken out since 2000. They used their usual threats and because I did no know any better I started paying them £10 a month. To cut a long story short, I carried on paying this debt until this month. In the meantime, I had contact from Lowell about the same account, in 2013. I asked them for the same information about the account and all they could provide was a couple of statements dated 2004 as NEXT said the account was closed. In the end Lowell sent a letter saying they had taken a commercial decision and decided that no money was owing on this account. However, due to constant changing of reference numbers, I have only just twigged that I have been paying Lewis for this debt still. However, although Lewis have agreed they sent the account back to NEXT in 2011, they deny any money is owed back to me. I therefore have been paying Lewis £10 a month for the past two years for a debt that they didn't have. The problem comes that they have used a different reference number, therefore I have been paying under a different reference number for the past two years. It adds up to £220.00. I have complained to Lewis and they are saying they do not believe they owe me any money, but they are not acknowledging the amount I paid once the account was sent back to NEXT. They just say they do not owe me any of the £870.00 they claimed while the were dealing with it. Does anyone have any suggestions as to how I get this money back?
  3. Hello, I've received 3 letters from "Lewis Debt Recovery" claiming I owe £300+ to an eBay related client. At least the last 2 letters were hand delivered. I've not used eBay for years, and have never bought anything from it worth more than 10s of pounds. Each letter has a different address for Lewis - England, Scotland and now Ireland. Best of all: they've spelled my surname incorrectly on all correspondence. Dodgy! I've read a few similar posts on here and I'm happy I could just ignore these letters. However, the address is actually my parent's and I no longer live there. The letters are scaring my parents somewhat - especially as they're hand delivered. What is the best course of action to make Lewis Debt Recovery go away and stop bothering us? Many thanks, all help appreciated, Annoyed By Lewis PS As an aside how the hell have these people got my (incorrect!) details!?
  4. Hi, hope someone can give me some advice Have had a letter from Lewis Group saying I owe £1755 As far as I remember this debt was from approx 1995 ish, I had been paying £15 per month since then. I can not even remember what or who the original debt was for I cancelled the £15 monthly payment a couple of months ago when I swapped banks over. I have just done an Equifax credit report and I can not see anything with regards to this debt. They have threatened me with a door collector but as I am rarely here that does not bother me. I just wondered if I have a way of finding out if I can reclaim any fees or if this debt is still legal. Should I write a CCA letter and would it stop me having to pay if they do not have the agreement Alan
  5. Hi There Does anyone know the account number and sort code for the Lewis Debt Recovery Group based in Yorkshire ? I have run out of payment slips and need to make a payment. I rung them and they wouldn't give me the details as I refused to go through a in depth review of my account ! Thanks Honeypot xxx
  6. Hi there I am confused! I have been having numerous telephone calls from Frederikson International Ltd about an old overdraft with Lloyds. I have ignored the phone and the calls have stopped. However a man called Terry knocked on the door last Friday and asked my 13yr old if I was in. My husband didn't answer any of his questions! I thought her was for the overdraft but I received a letter yesterday with a paying in card from Frederikson stating I could pay at our local post office - which closed about 6 years ago!! I have just checked our mail box and there is a hand delivered letter from T Brydon from Lewis International saying that Lowell have asked him to serve a SD and he will be back on the 20th April. As I haven't left the house since yesterday I can only assume that he didn't knock but posted it. I have had 2 dealings with Lowell - one was for a Capital 1 card and they served a SD. That is how I found this site!! I sent off for the CCA (?) and filed against them and of course they didn't turn up to court. The next week they wrote and said as a goodwill gesture they were closing the case! The second has been for an old T-mobile account. Hamptons Legal last wrote to me on the 11th April 2011. So my question is would they now be issuing a sd after waiting a year? Would they have bought the overdraft off of Frederikson but if so why are they writing to me yesterday? Any thoughts?? Thanks
  7. Two years ago a claim was made by Creation Finance. I offered £20 they refused and it went to court whereby the judge ordered that I pay £14 a month yippee. Been paying that ever since. I then receive a letter from Dryden Fairfax this week who have taken over from the previous idiots who represented Creation originally. The crux of the letter says as you know we originally agreed that you could pay £14 (no you didn't the court did) a month. As we told you when we took over this matter last year that we would be reviewing this on a 6 monthly basis this letter confirms that your payment plan (eer CCJ I think) is now to be reviewed. Please complete the enclosed I & E. First of all, I will certainly not be doing that. Is the only way to force me to pay any more is to go back to court. Is that correct. I am under no obligation to pay any more than what the court ordered? I feel like writing to them and saying go back to court my financial means have lessened since the original court hearing and you may be awarded £1. BTW the original idiots tried to get a charging order which was in an original thread of mine where they failed to turn up despite sending a fax to the court that day saying they did not know when the hearing was. The CO was dismissed so I know the court would not be happy if they tried this again. Drydens were (1) Unaware of the previous CO hearing and (2) still seem to think this is a payment plan and not a CCJ Thanks for your help HH
  8. Hiya, My partner & I are having a bit of trouble with Santander, My partner got a ring in a jewellers in 2011,the credit was with Santander,he paid the deposit,there was then to be 9 additional payments to come out by DD,we missed a payment around 4 months later so double the amount came out the next month by DD,and a charge,so all was up to date..we opened a santander joint account around when the last payment was due, the DD was changed to the new account,along with TV licence etc.. But nothing came out of our new account as it wasn't set up properly,luckily the ring payment came out of our old bank which had enough funds to cover it, so all payments were made and our credit report reflected this, two months later,when we had stopped using the new santander joint account as it was more trouble than it was worth,Santander (ring DD)..tried to come out,even though it had been fully paid..this took us into an unnaranged OD with the joint account,at £25 a day charges and returnded DD fees...we didn't find out until weeks later as we never used the account and it had no money in it,so we didn't log on to online banking ever..Santander (ring DD) ..repeatedly tried to take the payment which wasnt due.. we then had bank charges which were around £400..by the time we found out and got to the local branch and cancel the DD..the Santander bank charges now total £500 because of interest, also Santander Cards (for the ring)..have repeatedly sent collection letters since september 2012..adding on charges,we have had several phone calls with them requesting our monthly statements showing that we don't owe anything,as the person on the other end of the phone has also said, they have no idea why the DD was re-set up when no payment was due,3 times they have promised to send the statements proving we still owe an payment...we hear nothing for 2 weeks,then get collection letters again,and no proof or statements have been sent,after several phone calls they have repeatedly said they will put the account on hold whilst it is investigated..that wasn't done,my partner now has a default..and the account has now been passed to the Lewis group ..Santander are now saying they can no longer discuss the account because it is with Lewis group..the Lewis group are saying they can't get our statements from Santander..and we have 14 days to prove we have paid the money, before they send a bailiff or we get a CCJ..we are looking to get a mortgage in the next few years so obviously we don't want this to happen..we also have no disposable income at all at the moment to pay the disputed amount to avoid this as we are struggling with existing payments now my partner has just had an accident at work and i have been on maternity for a few months.. We can't get the bank statement to prove we have paid the full amount as that account is now closed,they said they can't accept our credit report showing 10 payments (it actually shows 12 ok payments,then it turns into a default after having some late payments on there) we also can't dispute the £500 charges with Santander bank until we prove that the DD was taken as a mistake so the charges are escalating quite quickly.. the joint account late payment is now showing on my credit report which i am worried about as i can't have any DMP's,arrangements with creditors,IVA's etc because of my job... any ideas what we can do next? ..it is very difficult to visit banks or post letters as my partner is unable to walk now for a month or two because of his injury,and i am still recovering from a ceasarean section, Thanks in advance for any advice,
  9. Hiya, My partner & I are having a bit of trouble with Santander, My partner got a ring in a jewellers in 2011,the credit was with Santander,he paid the deposit,there was then to be 9 additional payments to come out by DD,we missed a payment around 4 months later so double the amount came out the next month by DD,and a charge,so all was up to date..we opened a santander joint account around when the last payment was due, the DD was changed to the new account,along with TV licence etc.. But nothing came out of our new account as it wasn't set up properly,luckily the ring payment came out of our old bank which had enough funds to cover it, so all payments were made and our credit report reflected this, two months later,when we had stopped using the new santander joint account as it was more trouble than it was worth,Santander (ring DD)..tried to come out,even though it had been fully paid..this took us into an unnaranged OD with the joint account,at £25 a day charges and returnded DD fees...we didn't find out until weeks later as we never used the account and it had no money in it,so we didn't log on to online banking ever..Santander (ring DD) ..repeatedly tried to take the payment which wasnt due.. we then had bank charges which were around £400..by the time we found out and got to the local branch and cancel the DD..the Santander bank charges now total £500 because of interest, also Santander Cards (for the ring)..have repeatedly sent collection letters since september 2012..adding on charges,we have had several phone calls with them requesting our monthly statements showing that we don't owe anything,as the person on the other end of the phone has also said, they have no idea why the DD was re-set up when no payment was due,3 times they have promised to send the statements proving we still owe an payment...we hear nothing for 2 weeks,then get collection letters again,and no proof or statements have been sent,after several phone calls they have repeatedly said they will put the account on hold whilst it is investigated..that wasn't done,my partner now has a default..and the account has now been passed to the Lewis group ..Santander are now saying they can no longer discuss the account because it is with Lewis group..the Lewis group are saying they can't get our statements from Santander..and we have 14 days to prove we have paid the money, before they send a bailiff or we get a CCJ..we are looking to get a mortgage in the next few years so obviously we don't want this to happen..we also have no disposable income at all at the moment to pay the disputed amount to avoid this as we are struggling with existing payments now my partner has just had an accident at work and i have been on maternity for a few months.. We can't get the bank statement to prove we have paid the full amount as that account is now closed,they said they can't accept our credit report showing 10 payments (it actually shows 12 ok payments,then it turns into a default after having some late payments on there) we also can't dispute the £500 charges with Santander bank until we prove that the DD was taken as a mistake so the charges are escalating quite quickly.. the joint account late payment is now showing on my credit report which i am worried about as i can't have any DMP's,arrangements with creditors,IVA's etc because of my job... any ideas what we can do next? ..it is very difficult to visit banks or post letters as my partner is unable to walk now for a month or two because of his injury,and i am still recovering from a ceasarean section, i have also posted this in the general debt group aswell, Thanks in advance for any advice,
  10. Hi, I'm pretty new to this but I found this forum online and I am in desperate need of some advice... Last year I missed a payment on a store card, I brought the balance into check at the end of January so I'm no longer in arrears on payments and the minimum payment I needed to make was well exceeded. This payment cleared on the 1st of Feb from my bank account and shows on my recent statement for the store card. On the 6th of Feb I started getting letters from the Lewis Group. The first letter was dated the 6th of Feb so it was sent after the payment had cleared. It said I had to pay my remaining balance in full or bailiffs will be sent to my address. Naturally I ignored it but since then I have had another letter and persistent phone calls from them saying the balance needed to be cleared completely. I have explained the circumstances to them but they are having non of it. They want the balance in full otherwise I am getting a court order! I told them there are no longer any issues with my account and all payments have been accepted but I can't/don't want to clear the balance in full. I have contacted the original creditors with my concern but they say they have no access to my account information now the Lewis Group has it but I have still received my monthly statement from them!?! I am very confused and a bit distressed by all this as no one is being clear and all the Lewis Group say is that I need to pay immediately. It's like they just won't listen to me and it is so frustrating. Even though I will not be paying the balance in full does the Lewis Group have the power to affect my credit rating even if I keep my payments in line with my statements? If anyone has any advice it would be greatly appreciated Many thanks
  11. How can We prevent being spammed from journalist Martin Lewis if We follow the Twitter feed for CAG ? If I want Professional Financial Advice, I visit a Professionally Trained Financial Advisor. But, for anyone who does know about Icesave and the other Icelandic Banks which failed, the following Channel 4 news with journalist Martin Lewis will be quite illuminating http://www.youtube.com/watch?v=rx-ySEKUURI
  12. Hi all, Can anyone give me some advice on the following. I found an envelope through my door with a card inside written/printed with: the lewis group For the attention of: Mr. Mrs. Ms XXXXXX XXXXXX Our representative called today 11-1-13 at ................................ To discuss an important matter with you concerning, Client: Cabot Financial Account reference number: Outstanding Please contact our agent on: £825.75 To arrange a convenient date & time for this matter to be resolved. (NB:Calls to mobile phone numbers are charged to you at your telephone providers mobile phone rate). Agents Name: Mr O'BRIEN - CALL BACK - TUESDAY - 8AM It is important to contact our agent urgently to avoid any possible further recovery action. the lewis group ltd, Phillip House, 123/137 York Street, Belfast, Northern Ireland, BT15 1AB Registered in Scotland / No. 127043 All of the parts in red were hand written. I can't even remember what this is for, it has been passed around several DCA's, but has to be at least 5 years old.
  13. I'm in need of help on how to deal with this debt i have. I'm currently not working due to being made redundant and currently on the look out for work, so paying this debt at the minute is not my main concern. However, i am receiving 3 phone calls a day regarding this debt and it's getting annoying, i have everytime told them i will only deal with them in writing. I received a letter stating the balance and asking them to contact them via phone. They also say in the letter that "if we do not receieve full payment or hear from you by the 20th of december, we will transfer your account to our field agents and arrange for a collector to call at my home address and discuss how this debt will be paid" What would my next step be? I know i owe the debt to the brilliant gift shop, but i don't owe the debt to lewis debt recovery. At this moment in time, i'm unable to make payment so what step should i take? Thanks for your help,
  14. I am currently in dispute with john lewis i bought a miele wahsine machine from them a year ago if flooded my kitchen a month ago i asked for it to be taken back they agreed but have refused to pay for damage. i have provided photos of damage new carpet need new laminate flooring and frnch polisher for the doors. i have pre actioned smaill claims against them.this runs out on te 2st of december which i will have to take them to court. they have now asked for a engineers report for them to come to my house or when it is taken back immediately.Because of the damage to the kitchen by the machine the cost of this means we cant afford a new machine until john lewis pay us for the damage.There cooker has failed so it has now been agreed they will take back dishwasher washing machine and cooker. total nightmare
  15. I spent a long time online and then instore researching what tumble dryer to buy. I personally like buying from John Lewis as their after care is so good customer service wise. I went in to John Lewis yesterday and asked for advice about tumble dryers and a nice man explained how condensor dryers worked, how they are emptied, and the filter care etc. and in the end I chose one I'd like most online too, it was priced £3 less than my budget so was pushing my limit but I liked the model. It was out of stock however as it is their most popular model according to the man so he printed me out the info on it so I could keep an eye out online and order it from home when it came back in stock which he said would not be long. This morning I wake up and check online and low and behold they have tons in stock (well more than 10 is what it always says!) but the price has leapt up another £53 in one go taking it way over my budget. I google the model and find hundreds of stores selling it cheaper, in fact John Lewis is now by far the dearest place selling it. I print out the Currys website page as they are selling it at the price quoted in John Lewis yesterday and phone John Lewis assuming they will price match as I thought that's what they did. Of course another bonus about John Lewis is for all large appliances they offer a free second year guarantee, and for all TV's they offer five years guarantee. Another reason to buy there. I'm then told they only price match if everything being offered is exactly the same, so they would only offer a price match on this tumble dryer if it came with two years guarantee as it does at John Lewis. As far as I am aware, John Lewis is the only retailer to offer a free second year guarantee on all large appliances, so it's not going to be possible to find exactly the same deal for any large appliance, so does this extra second year guarantee render the price promise worthless really as they have given themselves a free pass to charge what they like for their appliances?
  16. Hi, in 2004 i took out a loan with a loan company and then had a bad health turn and had to leave my job and unable to make payments (last one made by me in 12/2005! The loan company never chased me for the payments so i left it be, then two weeks ago a letter came from county court asking for my defence. I informed the court that the loan was statute barred and waited for the judgement. today i received a letter from the debt collection people stating i made payments in 2008 which they sent me a statement for and the payments have been made by "Lewis Group" to the tune of £2500. What do i do? I never made these payments and never agreed for debt mangement company to manage my debt? can this be right? and is the debt statute barred? can anyone inform me? Thank you
  17. On Friday I received an email from the Lewis Group, claiming to be acting on behalf of Ebay and demanding outstanding fees of £72 . I do owe ebay money, which I am now in a position to pay, but it is nowhere near that amount. I replied, asking how they had arrived at that figure and, as yet, have received no response. However, I contacted ebay and they told me that it is probably a phishing email and to ignore it. They also quoted me the true amount that I owe, considerably lower than the amount the Lewis Group told me. What bothers me is that the email from the Lewis Group appears to be genuine, the link in there to go to the payment screen appears to be the same as the one on their website and they give their office address, also the same as the one on the genuine website. It just bugs me that debt collectors can send emails to people claiming that they owe random amounts of money and I wondered if there was anyone I can report them to.
  18. Hi all again Have a debt that has been passed to lewis group, so far they have been fine with not contacting me by phone e.t.c I replied to there original letter stating i was only able to pay a £1 per month until further notice due to redundancy. I received the following reply today.
  19. I don't know whether I am in the right forum, apologies if not. I bought a Garmin Nuvi Satav from John Lewis and purchased their extended warranty for the 3 years. For some months before this ran out it was taking 10 minutes to turn on which was annoying but we coped as it still worked once it did turn on. I have mental health issues and find communication difficult due to extreme social anxiety and am registered disabled under mental health. Eventually though before the warranty expired I contacted the JL extended warranty company and they collected the SatNav to repair it. It came back but though it would turn on straight away so the original fault seemed fixed, it turned itself off every couple of minutes which rendered it useless if someone else wasn't in the car to reset it as obviously the driver can't do it. It went back again, and again came back with the same fault. It went back a 3rd time and they considered replacing it but decided to repair it. Unfortunately when it was returned I was extremely unwell and didn't leave the house and so it was over a month before I was able to try it out and it still has the same fault repeatedly turning off every few minutes rendering it useless. So from the moment I sent it off with a fault, it has never worked and in fact is in a worse state than when I sent it off originally as at least once the 10 minutes start up time was over it worked ok. I have contacted the extended warranty company and they say too much time has elapsed and they won't now repair it. The extended warranty then appears to have been useless and it has not worked since I sent it off originally the first time. Do I have any rights, or because I left it so long before checking the 3rd repair was successful, have I lost all those rights? I can't afford a new one so this is my only hope. What a waste of money that £39 extended warranty was!
  20. If i offer to pay them £1 week/month do they legally have to accept it? im a single mum of 2 kids under 3 and on benefits,so money is tight. initially they hounded me for about £53ish a month i agreed to shut them up and managed 1 payment and then realized how short it would leave me every month.
  21. MoneySavingExpert.com (MSE) will join the MoneySupermarket Group Link: http://www.moneysavingexpert.com/news/site/2012/06/martin-lewis-on-moneysavingexpertcom-joining-the-moneysupermarket-group
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