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  1. Lowell's Solicitors are chasing an old debt (6yrs old) - as mentioned in post #1 old catalogue debt for JDWilliams & Oxendales Never seen a letter like this from them before Tactics or can they go further with this? Thanks LowellSolicitors.pdf
  2. Well back again after a number of years following your success in getting unwelcome finance out of my life forever. I have been receiving emails from lantern relating to a quick quid loan I admittedly did not fully repay as I was at the time backed into a place where my only way out was to stop paying the payday loans and then deal with the fallout or lose everything. Just at that Time I had loans with Wonga, Myjar, quick quid and pounds to pocket using one to repay another and getting deeper and deeper in. Anyway Wonga wrote off their balance in full with no comebacks follow
  3. I'd seen recently on my Equifax file that an old BT debt was being recorded by Lowell This was chased by and already paid to Credit Resolve in 2017 I emailed Lowell last week along with proof of payment asking them to remove the entry They've said: Good Morning, Thank you for your email, I have noted your comments and would be happy to assist you. Account Number Original Client Current Balance xxxxxxxxxx BT PLC
  4. Hi all, I started a previous thread to share my general issues, but am posting in this section for specific advise relating to First Direct. Previous forum address here if anyone is interested: http://www.consumeractiongroup.co.uk/forum/showthread.php?458839-Low-income-6-year-old-debts-and-worrying-about-the-possibility-of-future-court-action I had an account with an overdraft, credit card and loan with First Direct (all pre Apr 2007). I defaulted on payments for the credit card and loan back in 2009, at which point, they closed my account, merging the credit card and overdra
  5. i recently requested a SAR on my lloyds tsb accounts as i needed info on the valuation that was carried out on my home in order to give security for a loan. i have received a copy of the file which included a copy of the valuation, but even though it refers to an instruction letter from the bank to the valuer, the instruction letter is not in the file. it is not even attached to the valuer's report even though in his report he comments 'instruction letter of xxx 2004 attached appendix A' is there anything more i can do to fro lloyds to disclose the instruction l
  6. Hello all, My first post on this great forum - very nervous and very worried. Please correct and advise me if I do anything wrong or don't follow correct protocol as I'm not a regular user of any forum! I had two credit card accounts with MBNA one started 1996, the other in 2001. I believe I stopped paying the full repayments around 2005 due to losing my job and the resulting financial problems and agreed with MBNA a reduced, interest free monthly repayment. Some time later I received letters saying both accounts had been assigned to a debt collection agency who would now be takin
  7. Name of the Claimant - Arrow Global Limited Date of issue – 05 August 2016 Date to acknowledge= 24/08 + 14 days date to submit defence = 06/09 (33 days in total) - What is the claim for – the reason they have issued the claim? 1 - The claimant's claim is for the sum of £1547 being monies due from the defendant to the claimant under a regulated agreement between the defendant and MBNA Europe Bank Limited (No.XXXXXXXXXX) and assigned to the claimant on 30/11/2015, notice of which has been provided to the defendant. 2 - The defendant has failed to
  8. Hi all, writing this for my mum as she's too stressed to think at the moment, I hope you can help us out. Some time back my mum and dad got a joint loan, she did the earning and he did the spending, she wasn't wanting the loan but was talked into it by him. A few years later they seperated and she remarried. Financialy the loan was taken over by idem servicing and the debt was just over 10k, they had both aranged to repay this equaly from June 2000. Mum stopped payment as she had paid her half, then was contacted by letter in her old name asking to get in contact for the acco
  9. Hi there, I've sifted through a few threads trying to get a jist of what to do. Quite a bit of info, I'm hoping someone can help me with my issues Done a credit report and I've currently 5 defaulted accounts and 1 arrangement NatWest credit card - defaulted balance £984 with a current balance of £785. This debt is paid DD £20p/m directly to Natwest, I've ignored ALL letters from Wescot who manage my account on behalf of NatWest. NW have just written to me this week informing that my account has been assigned to Cabot Financial, to cease my payments to
  10. Hi can I please get some help regarding three letters that have come from Lowells. We have recently returned to uk after living abroad and previously had advice regarding some if not all of these accounts back in 2014 I believe. The debts are coming up SB mid this year, default dates 2013. I believe we were previously advised to SAR I think, which, I think we did. I also believe one- a capital one debt, we sent a PPI claim for which was denied I think. Here are the accounts. ME-CAPITAL ONE $420 MY WIFE- BRITISH GAS $75 didn't even realise we had this...pretty certain we were
  11. Hi, I have a question regarding my credit file & 4 Lowell accounts which were closed as a "goodwill gesture" due to my ongoing mental health illness. Due to them constantly contacting me via telephone and threatening letters, I contacted them first email to request they stop contacting me via my telephone and also to try and setup some kind of affordable repayment plan to clear these accounts. I also explained my health circumstances and my very low income. They requested I complete a income/expenditure and some proof of my illness. I replied with my doctor's report and expl
  12. I'm trying to update my email address so I get notifications in the right place. When I try to do this, I get a notification that my new email address is already in use. I don't remember setting up a new account, but I suppose I must have done so at some point! How best to solve this problem? I would like to be able to get notifications about current threads at my current email address but this address appears to be linked to a different account. Can I close that account to free up that email address and then change the addresses on my active account or is there a better / simpler
  13. Hi all, I'm currently going through a move (renting) and am being asked to provide my company accounts to letting agents for their credit checks. Now I remember this seriously bugged me the last time I moved, as I run a Limited Company and it's my gut reaction that the company accounts are and should remain private. I'm paid via payroll on a regular basis as any other employee would be. I don't even submit full accounts to Companies House, so why should these nosy parkers get to see them? Is there any legal justification for them asking this or can I politely refuse, offering my pers
  14. Hi, I have had my bank accounts closed and told I will have to wait for 30 days to get my money. Ive had an account with a main bank and always used my mums address, this account is about 5 years old and with a small overdraft and no problems.I have been living with my GF for about two years so thought I could get an account at her address so I just did it with the other bank that is linked to my main bank but was told if I wanted to close my old account I would have to go into the branch to do so. I carried on using both accounts and even set up fastpayment with my new account
  15. Long story short... My son has set up and abandoned xbox accounts more times than I've had hot dinners. Trouble is he has set up monthly game passes on at least two of those. He has removed details of most accounts from his xbox, so I cant trace which account has the monthly subscriptions on. I have been debited for one subscription on my own debit card, which was for a trial my son started in December. I opened a teenage bank account in February this year with his own debit card. He used this for another subscription. My son cannot remember which accounts he has used.
  16. Last Thursday morning, all of my RBS accounts vanished and they won't tell me anything other than I'll receive a letter! Even my 6 year old son's account has vanished along with the housekeeping account.
  17. I am struggling to close PayPal and EBay accounts of my late Husband. Using the contact us forms doesn't appear to produce any contact from either of them. Has anyone had experience of closing these accounts - thank you.
  18. My neighbour found out recently that money had been syphoned out of his current account, as the bank had linked his current account with a business account which the neighbour was not aware of. Subsequently, £15k has been removed over the years by the old company director. Natwest have investigated this fraudulent activity and state that they are not liable. My question is this: Are Natwest liable as they failed to inform the customer of the joining of the accounts? Is there any avenues of complaint other than the bank and financial ombudsman which is not worth its
  19. Sent off SAR request 29 January. They must be overworked 'cos I haven't heard anything. This is my problem? Sending off non-disclosure letter tomorrow giving them 7 days till I complain to the courts. Can't wait to see how much they owe me. It's a shame I have to use 2 envelopes 'cos my Sainsbury's data hasn't turned up either and the address is the shame. Hey ho
  20. Has anyone had any success in removing closed payday accounts from their credit file? Unfortunately a few years ago I took out these loans and paid them back on time so all good with no defaults or late payments. The problem is they are screwing my credit file just by being there. Thank you.
  21. After reading a number of threads I think I have made a mistake. I have 2 debts with Natwest 1. overdraft 1. loan account which they have combined together and I have been paying them an agreed amount .In 2008 I managed to get them to put in writing that they cannot produce an agreement for the loan and further they agreed that all of the money I pay them will be deducted from the overdraft only and it will revert to paying of the loan account when the overdraft is paid. According to their statements they are sticking to that arrangement .I am not
  22. hi we have a cashplus card account we are trying to set up a simple bank account but not having much luck as we have very little id just bills and birthcertificate, we set up a cash plus account just in one of our names if we find a simple account how do we cancels cahplus prepaid account as it says you can ring them , i dont understand when we have to pay the fee each month ? or if i block the card will i still need to pay the fee any advice be helpful and in advance thankyou for your time
  23. Hi all, After many long years, I am finally free from most of my problem debts and had expected my rating to improve dramatically. However despite this, it is still showing very poor on Noddle, Checkmyfile et al. I spoken with Checkmyfile for their view and think i know what the issue is. I lived in flat from Dec 2007 to April 2012 where most of my issues racked up - lost job, British Gas meant i stopped paying certain things to keep them off my back - stupid i know, but when backed into a corner not knowing the way out, i just acted. i finally moved from
  24. Hi there, Just a quick question which I hope someone may know the answer to. I have a few debts with debt collection agencies which I am paying monthly to. 2 of the debts are with one agency but only one of these shows on my credit file as the other 'dropped off'. My partner settled the account showing on the credit file in full using the agencies online payment facility. The question is will this account/debt show as paid in full on my credit file or will I have to settle both accounts with this agency first? kind regards Robert
  25. https://www.theguardian.com/business/2016/nov/07/tesco-bank-freezes-transactions-online-attack As long as their money has not been stolen !
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