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    • Thank you very much for your letter in regard to the above mentioned shipment.  Due to the high volume of parcels coursing through the courier network each day, undergoing continuous processing and handling, certain packages may experience delays or even can get lost in the course of this journey. Please note that due to the time that has passed, this shipment has been declared as lost.  I have today processed the claim and made offers to the value of £75 as a goodwill gesture without prejudice. I do acknowledge that you have mentioned in your letter that the value was higher, however, you did not take out any protection to that amount. The protection for this shipment was £20 and we will not be increasing our goodwill offer any further.    Please log into your account online in order to accept our offer. Once accepted, our accounts department will process the claim accordingly. The claim payment will be processed and received within 7 working days.                                  In addition, a refund of the carriage fee will be processed as a separate payment and will be received within 3 working days.  If I can further assist, please feel free to contact me.   I have also just noticed that yesterday afternoon they sent me an email stating that "after my request" they have refunded the cost of shipping. I did not request the refund so will mention that in my letter as well.
    • Hi I had to leave Dubai back in 2011, during the financial crisis. And only now have I received a letter from IDRWW. Is this anything to worry about about as I have 2 years left until it’s been 15 years(statute barred in Dubai). Worried as just got a mortgage 2 years ago. Could they force me in to bankruptcy? Red lots of different threads on here. And unsure what true and what isn’t. 
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    • Often with the Likes of Lowells/ Overdales that 'proof' doesn't stand up to scrutiny.   Think about it like a game of poker, they want to intimidate you into folding and giving up as soon as possible, and just get you to pay up and roll over, that is their business model, make you think your cards are rubbish. What they don't expect, and their business isn't set up for it, is for a defendant to find this place and to learn that they have an amazing set of cards to play. Overdales don't have an infinite number of lawyers, paralegals etc, and the time / money to spend on expensive court cases, that they are highly likely to lose, hence how hard they will try to get you to roll over.  Even to the extent of faking documents, which they need to do because the debts that they purchased were so cheap, in the first place. Nevertheless it works in most cases, most people chicken out, when they are so close to winning, and a holding defence is like slowly showing Overdales your first card, and a marker of intention that this could get tricky for them. In fact it may be,  although by no means guaranteed that it won't even go any further than that.  Even if it does, what they send you back will almost certainly have more holes than Swiss Cheese, and if with the help you receive here, you can identify those weaknesses and get the whole thing tossed in the bin.
    • So Rayner who is don’t forget still being investigated by the local council and HMRC  is now begging to save her seat Not a WOMAN in sight in this video other than Rayner  Farage is utterly correct this country’s values are non existent in her seat   Rayner Pleads With Muslim Voters as Pressure From Galloway Grows – Guido Fawkes ORDER-ORDER.COM Guido has obtained a leaked tape from inside a meeting between Angela Rayner and Muslim voters in Ashton-under-Lyne...  
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Credit Report - Help Understanding


kiri260180
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Was not quite sure if this is right place to post but here goes...

 

I recently got all my credit reports.

 

On one Call Credit I have an item on there from Vodafone which dates back to 17/07/2000.

 

On the report they are saying that I still owe them £90 and the account is in default - I really cant remember if this is true or not - I dont think that it is but I have done nothing about it yeat as I am not what the best course of action is.

 

There is no Account End date entered on the report so I cant ask Call Credit just to knock it off due to time.

 

The other funny thing is that they have a payment start date of March of this year!! - not heard a dicky bird from them so I dont how they are still able to keep this on my report by reporting to call crecit that they are still in contact with me??

 

Can anybody help as I am really not sure what to do. If they are keeping it open I could still have this on my report for another 6 years!! also though as I have not heard from them in over seven years surely this should not remain on report??

 

Please if anybody can help me with this pickle - I am all ears:D

 

I have just had a look again and they have also put that the default date was 11/05/2005 - never received anything as this would have gone to my parents address and they open all my post - I would definately have known about it believe me if I had received such a notice.

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My best advice is to CCA them you can get a template in the stickys letter n in the templates and letters libary.

 

you will need a £1.00 postal order which will cost an extra 45p and to send it buy recordeddelivery £1.04 or special delivery £4.10 up.

 

If you send a cheque get a family member to do u one.

 

DONT SIGN THE LETTERJUST USE THE digital signature guide in the stickys OR TYPE YOUR NAME.

 

then sit and wait. They have 12 WORKING days to respond if they dont they enter a defualt after a further 30 CALANDER days then the account is in offical dispute and they cant chase you for the money.

OFT debt collection guidance

 

Please remember the only stupid question is the one you dont ask so dont worry about asking the stupid questions.

 

Essex girl in pc world looking 4 curtains 4 her pc,the assistant says u dont need curtains 4 a computer!!Essex girl says,''HELLOOO!! i,ve got WINDOWS!!'.

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Hello

 

Thank you everybody for replying.

 

If I SAR them - will this not be admitting that I have the debt with them - in which case make me liable to pay the £90?

 

The plot also thickens with this one - I have checked my other reports and on my equifax report they have entered in a £90 default but this default was applied in Jan 2002 - are they just issuing defaults willy nilly as I definately did not receive that default notice either.

 

Also is a company able to default you on two seperate occasions for the same debt?

 

I am just so confused now!!

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Okay - I will go down the SAR route first then.

 

Thank you for all your help - I may just to keep on the safe side - not do the SAR until Jan 08 - not long to go and that will then have been 6 years past since they registered the Equifax default - just in case it begins to go pear shaped.

 

Thank you everybody though - I will do just that in Jan 08

 

kiri260180

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Just on the back of this - if the last contact between me and Vodafone was 6 years ago can they chase me for the debt (not sure if I do owe it or not as I dont remember having outstanding money owing) but can they chase me for it - if it has remained the same for 6 years?

 

Or is the fact that they say they have contacted me (whether they have got through to me or not) is enough for the debt to remain open?

 

Any thoughts?

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My best advice is to CCA them you can get a template in the stickys letter n in the templates and letters libary.

 

you will need a £1.00 postal order which will cost an extra 45p and to send it buy recordeddelivery £1.04 or special delivery £4.10 up.

 

If you send a cheque get a family member to do u one.

 

DONT SIGN THE LETTERJUST USE THE digital signature guide in the stickys OR TYPE YOUR NAME.

 

then sit and wait. They have 12 WORKING days to respond if they dont they enter a defualt after a further 30 CALANDER days then the account is in offical dispute and they cant chase you for the money.

 

A debt to a mobile phone company would not be CCA regulated so S.A.R. is the best route. The default should be registered in a 'timely' manner so you may be able to dispute when it was entered.

 

Also useful link below relating to statute of limitations ( be careful you don't acknowledge the debt )

 

National Debtline England & Wales | Debt Advice | Factsheet 25 Liability For Debts And The Limitation Act

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Thank you for your comments - that it what I am scared of doing by mistake so that is why I am waiting until Jan 08 just to be on safe side - and then I will start disputing them - will post how I get on in the future.

 

kiri260180

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