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Parcel delivery insurance is prohibited under section 57 – Consumer Rights Act – Read about It Here and in The Times. ×


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      Caught fare evasion in tube station

      By Seven77 · Posted

      Thanks dx for your kind words. I plan to renew my season ticket and write a new begging letter as following, can I ask for any suggestion about it?   Dear Investigator/Prosecutor,   Thank you for your reply. I deeply regret my actions and the inconvenience they have caused.   I’m extremely remorseful for my crime. and regret it everyday. I often ask myself ‘’how can I do that thing just because I felt it is interesting. There are a lot of crimes in the world, but feeling it’s interesting is certainly not a reason to crime. I should not crime with any reason.’’ I think about these things every day, and I understand that I can’t blame anyone but myself.   I thanks to the staff who stopped me, as this is a valuable lesson in my life. I told myself that I should never ever repeat such a thing again, and never ever do anything which is possible to be in breach of any law. As a result, I carefully tap my oyster card every time before I enter the station now. I remind myself that I did a wrong thing before, and I should never let it happen again.   Although my monthly travel expenses do not warrant a season ticket, but I just renew my season ticket (please see the attachment). I understand that a crime cannot be truly compensated for, but purchasing a season ticket offers me a small measure of comfort, knowing that my actions caused a loss to the public interest.   I received an email which ask me to negotiate being class teacher in this summer (please see the attachment). I hope that I could teach the lovely students again, which may not be allowed with a criminal record. I would please ask that you would please provide me a single opportunity to settle all outstanding sums owed outside of court without the need for legal proceedings which would have a determinantal impact on my teaching career.   I sincerely apologise again for my crime. If you need anything further from me to help you please let me know.    Yours sincerely,
    • lookinforinfo
      NPE ANPR PCN - No Permit - Locton Estate, London, E3 2LP

      By lookinforinfo · Posted

      You did what??? You asked them to send you the documents that without them you had  a 100% ironclad win in Court. Why on earth would you do that? As it happens in this case, there is still enough mistakes in their PCNs and the NTH to have your case cancelled. Amd it may be that not sending those documents in the first place along with the ICO complaint and the letters from Alliance themselves which would confirm by the dates on the letters may be enough to cancel it anyway. I hope you have kept their letters as evidence? The chances are that Alliance will not actually take you to Court because of their errors but you never know.  You have made so much extra work for yourself in your WS if they decide to push their luck.though. Can you please post up their letter where they give the reason why I wasn't sent with the NTH.
    • BankFodder
      Recording audio in health conversations

      By BankFodder · Posted

      I'm not sure that I fully agree with my site team colleague above.  My understanding is that there is nothing to stop you recording but it is strictly for your own personal use.   
    • student145
      sent debt by bwlegal for over £3000

      By student145 · Posted

      I live in a student house, with 5 tenants, unihomes is our utilities provider, who we each have a direct debit set up with and have paid each bill every month. Two letters were sent in my name by BWLegal saying I had two outstanding payments due adding up to over £3500, I have tried to contact british gas (as that is apparently our houses provider) as well as Unihomes. Nothing has helped and BWlegal are pursuing legal action if these debts are not resolved by the 1st May. What do I do? I've called Bwlegal when i bring up that the debt isnt for me and for unihomes they hang up on me. so I am stressed and do not know what to do
    • dx100uk
      Recording audio in health conversations

      By dx100uk · Posted

      cant do either if its not in a public place or on your land. dx  

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Parcel delivery insurance is prohibited under section 57 – Consumer Rights Act – Read about It Here and in The Times.

Old O2 Account & The Link

StokiePotter
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StokiePotter

StokiePotter

Posted
Posted

Morning...

 

I find myself posting more and more on this site everytime something jumps up and bites me from past experiences :)

 

About 4 years ago I took out a "deal" via The Link for a contract on O2, if I remeber rightly it was for a Samsung D410 and it was £25 a month (I had to pay a £50 deposit for it too).

 

Unfortunately I had the handset stolen and reported it immeadiately to the Police and O2. Upon making a claim for the handset I was told that it was not insured (this was not mentioned when I brought the contract, £25 a month and no mention of any extra for insurance) and made a complaint to The Link in regards to the fact I had not been told etc.. "deaf ears and excuses followed" I'd paid £50 deposit so I would not have not insuraned the phone, I arent silly :)

 

Now O2 sent me out a new sim which I could not use as my replacement handset was sim-locked to Vodafone, my old dear brought me a new handset for my b'day as mine has been nicked :)

 

I was recently contacted by 3 / 4 companies (Red / Lowell and Hamptons Legal) for a debt owed to o2 for near on £600 :eek: I contacted o2 and all they could say to me was "the debt as been sold" and I need to discuss it with the other company.... I am now paying £20 a month just to keep these people off my case and to stop the "threatening" letters that they send out.

 

Im cheesed cause The Link is now non-existant so I cant take the issue up with them and Lowell just want it paying!

 

Any advice would be greatly appreciated ;)

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locutus

locutus

Posted
Posted

Probably get more help in the debt collection forum.

 

I believe the 1st thing to do is write to the company disputing owing anything.

If in doubt, contact a qualified insured legal professional (or my wife... she knows EVERYTHING)

 

Or send a cheque or postal order payable to Reclaim the Right Ltd.

to

923 Finchley Road London NW11 7PE

 

 

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StokiePotter

StokiePotter

Posted
  • Author
Posted

I beleive that if I end the contract early, which I did due to not having a handset for the sim, then I would be liable for the remaining term of the contract BUT 12 x £25 doesnt add upto £600 by my sums....

 

I think my best step would be to contact Lowell and ask them for a copy of my signed agreement?! I have had a look around the site but the templates I have stumbled across are mostly for SAR's letters etc.

 

Could anybody point me in the direction of the aforementioned CCA request letter?

 

Thanks :)

 

SP

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MARTIN3030

MARTIN3030

Posted
Posted

Hi Stokie

Although the Link stores closed-The group is still owned by the DSG

You could SAR them.

heres the address

 

 

DSG group,

Maylands Ave.,

Hemel Hempstead,

Herts HP2 1TG

 

You would need to send the 10.00 stat fee.and mark FAO Data controller.

Have a happy and prosperous 2013 by avoiiding Payday loans. If you are sent a private message directing you for advice or support with your issues to another website,this is your choice.Before you decide,consider the users here who have already offered help and support.

Advice offered by Martin3030 is not supported by any legal training or qualification.Members are advised to use the services of fully insured legal professionals when needed.

 

 

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StokiePotter

StokiePotter

Posted
  • Author
Posted

Martin,

 

Wonderful!

 

I dont spose they will be too helpful, BUT showing these compaines I am no pushover should leave me in good stead :)

 

Already told Lowell not to harass me and told them they are breaking regulations etc... I got a "written" apology off some manager type person and the removal of my telephone numbers from their database so... ;)

 

Now time for a CCA request I think :D

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locutus

locutus

Posted
Posted
Now time for a CCA request I think

Mobile companies don't have to provide you with the signed credit agreement I'm afraid... it's only banks and the like... which is a nuisance as mobile companies CAN place a default on your file just the same!

If in doubt, contact a qualified insured legal professional (or my wife... she knows EVERYTHING)

 

Or send a cheque or postal order payable to Reclaim the Right Ltd.

to

923 Finchley Road London NW11 7PE

 

 

Click here if you fancy an email address that shows you mean business! (only £6 and that will really help CAG)

 

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locutus

locutus

Posted
Posted

Write to them saying you dispute the debt.

If in doubt, contact a qualified insured legal professional (or my wife... she knows EVERYTHING)

 

Or send a cheque or postal order payable to Reclaim the Right Ltd.

to

923 Finchley Road London NW11 7PE

 

 

Click here if you fancy an email address that shows you mean business! (only £6 and that will really help CAG)

 

If you can't donate, please use the Internet Search boxes on the CAG pages - these will generate a small but regular income for the site

 

Please also consider using the

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MARTIN3030

MARTIN3030

Posted
Posted

Yes The DCAs are still required to comply with OFT guidelines on debt collection and theres clear breaches here since your alleged debts are in dispute.

Failing to provide a debtor with documents to show they owe the debt is one of them.

So SAR to DSG

and a strongly worded letter to Lowells reminding them of their duty.Keep a copy and send recorded.

  • Haha 1

Have a happy and prosperous 2013 by avoiiding Payday loans. If you are sent a private message directing you for advice or support with your issues to another website,this is your choice.Before you decide,consider the users here who have already offered help and support.

Advice offered by Martin3030 is not supported by any legal training or qualification.Members are advised to use the services of fully insured legal professionals when needed.

 

 

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StokiePotter

StokiePotter

Posted
  • Author
Posted

I sent the following to The DSG Group last night (via email)...

 

Good Evening,

I am hoping that somebody could offer some assistance,

I took out a mobile phone contract with O2 via The Link (Newcastle Under Lyme Branch) sometime in July / August 2004. I am now in a position where I am receiving “demanding letters” from a company called “Lowell Financial” in regards to a debt of approx £600.

To cut a long story short, when I took out the contract I was informed it was £25p/m and had to pay a deposit to O2 for £50. Insurance on the handset was not mentioned and I presumed that this was included in the package I was sold, it turned out that this was not the case.

I had my handset stolen in September 2004 and immediately reported it to both the Police and also O2. I made contact with O2 in regards to a replacement handset to be told that I was not insured, O2 supplied me with a replacement Sim Card but without a handset it was no use. At the time I made a telephone call to the branch that sold me the contract (Newcastle U Lyme) and expressed my concern that Insurance was not supplied, and I was informed that the incident would be investigated and somebody would be in contact to discuss, I never heard anything so assumed that the matter was closed and sorted.

I have spent the last 3 / 4months trying to establish exactly what position I am in, legally in regards to the “debt” and have found myself paying Lowell £20 p/month to stop them threatening court action etc…

Obviously I understand that The Link no longer exists but am adamant that if procedures had been carried out correctly at the time of me purchasing the handset, I would not find myself in this predicament.

Please be aware that I will be contacting the OFT and also Trading Standards in regards to this matter and will also be seeking legal advice to ensure that the matter is dealt with amicably and efficiently.

Regards,

XXXX

 

Wonder if I will get any type of responce?

 

Ill get on to printing and posting my SAR tomorrow, just a bit worried that Lowell's will scrap the agreement we have if I start to rock the boat :confused:

 

But then again, its worth a try to get the "debt" shrunk so I can get it paid and finally become "Debt Free :D"

 

SP

 

NOTE - Cheers for the advice BTW ;)

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MARTIN3030

MARTIN3030

Posted
Posted

Well as a pre advanced warning - maybe but the recognised format that will count 100% is by mail in writing.I would not hold out for a response here.

 

Ok now lets talk about your deal with Lowells.

From what I understand,you were relatively uninformed when you made the agreement-that is to say that if you had known then that you had rights to challenge something that you believed was unjust and that you disputed,then you would not have reasonably been expected to have agreed.

Now I am not advocating that you stop payments or renege on the agreement-however what I will say is that if the payments are causing you financial hardship-or you cannot maintain them,then Lowells are forced to accept this based on 2 things.

1. The alleged debt now in dispute

and

2.Your inability to make the payments they are demanding/failiure to take into account your inability to pay due to your financial circumstances

 

or both of these.

 

I hope thats clear enough for you;)

Have a happy and prosperous 2013 by avoiiding Payday loans. If you are sent a private message directing you for advice or support with your issues to another website,this is your choice.Before you decide,consider the users here who have already offered help and support.

Advice offered by Martin3030 is not supported by any legal training or qualification.Members are advised to use the services of fully insured legal professionals when needed.

 

 

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  • 4 weeks later...
StokiePotter

StokiePotter

Posted
  • Author
Posted

Martin,

 

Apologies in my lack of response.... the thread got lost amungst the other threads :-)

 

Suprisingly I did not receive a response from DSG, until I actually emailed the Chief Exec direct (its amazing what you can find via google isnt it :))

 

Anyway the reply basically advised me to contact o2 to discuss the matter (which I have done) so no real luck there Im afraid.

 

I am just looking into finding a letter or some type of something to send to Lowells to say "Prove it".

 

The last thing I want to do though is to just stop payments, I am trying desperately to get my Credit File cleaned up and do not fancy another default against me, if for any particular reason Lowells cannot supply the information I will request, then I will stop payments until they can!

 

"Bangs head against brick wall" :|:D

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  • 11 months later...
StokiePotter

StokiePotter

Posted
  • Author
Posted

Following on from this link here.... http://www.consumeractiongroup.co.uk/forum/debt-collection-industry/209840-harrassment-following-sar-txt.html

 

Im hoping that the issue is now sorted and Lowells / Red & Hamptons Legal will leave me alone...

 

Finally got the Default removed (which they kindly added) and am awaiting receipt of a refund of monies paid :)

 

My advice to people who are trying to get themselves on a even keel.... keep on at it, youll get there in the end :D

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cirian75

cirian75

Posted
Posted

Good good.

 

my brother had trouble with o2 about 6 years ago.

 

some how his account extisted twice.

 

so he would pay his bill on one, but the other one got nothing.

 

started getting nasty Dca letters.

 

so, he got a 12 month print out from his bank, his 02 bill, and drove over to O2's preston brook call centre.

 

got show the paper work to a manager.

 

it was all sorted in in less than 1/2 an hour.

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