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    • there's no rule of thumb but rarely do you see lowells drop a claim until after the disclosures stage it just really depends upon what 'cards' they hold like enforceable agreement, DN, NOA etc etc however due to andyorch's excellent help - we see most discontinued...   one thing that also plays a part is when the card was taken out too. yours was taken out?   these will give you a good benchmark and also help with defence and after process   https://cse.google.com/cse?cx=partner-pub-8889411648654839:3134625398&q=lowell claimform vanquis won discontinued&oq=lowell claimform vanquis won discontinued&gs_l=partner-generic.12...166572.185174.0.188553.41.41.0.0.0.0.92.2663.41.41.0.csems%2Cnrl%3D13...0.18609j16146633j41...1.34.partner-generic..34.7.458.uRZnbd8y-qY
    • On Monday the 27th of July 2020, i signed up with Anglian windows to work as a canvasser over in East London, the interview went well. I started working and had to use a app on the phone to make appointments. The deal was if i got a lead on the door and the salesman went round to the customer and and priced it i would get paid for it.  I started working the following week, i made leads, but i had problems with the app not working as well as it should, the app would give me results on my leads.  Long story but they where working some leads and forgetting to work other leads and not up dating the app, so i did not know my results. My wages where wrong and i decided i could not work for the company. I gave them over 20 leads and was only paid for 3.  I told them i was leaving, that was fine, they said they would work my leads and pay me, they even sent me a text message to say one of my leads has been priced and i would get paid for it.  No money was paid, i have sent messages to the regional manager and no answer, in the end i started emailing head office and they said they would look into it but i am getting nowhere.    What can i do.
    • Do try and keep up It was quite clear I was referencing any lingering hopes you may hold of rejoining the wretched institution
    • thanks, will do   after reading a lot of the other posts like you said to, is it a good defence statement that makes them think about dropping it?
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    • I came across this discussion recently and just wanted to give my experience of A Shade Greener that may help others regarding their boiler finance agreement.
       
      We had a 10yr  finance contract for a boiler fitted July 2015.
       
      After a summer of discontent with ASG I discovered that if you have paid HALF the agreement or more you can legally return the boiler to them at no cost to yourself. I've just returned mine the feeling is liberating.
       
      It all started mid summer during lockdown when they refused to service our boiler because we didn't have a loft ladder or flooring installed despite the fact AS installed the boiler. and had previosuly serviced it without issue for 4yrs. After consulting with an independent installer I was informed that if this was the case then ASG had breached building regulations,  this was duly reported to Gas Safe to investigate and even then ASG refused to accept blame and repeatedly said it was my problem. Anyway Gas Safe found them in breach of building regs and a compromise was reached.
       
      A month later and ASG attended to service our boiler but in the process left the boiler unusuable as it kept losing pressure not to mention they had damaged the filling loop in the process which they said was my responsibilty not theres and would charge me to repair, so generous of them! Soon after reporting the fault I got a letter stating it was time we arranged a powerflush on our heating system which they make you do after 5 years even though there's nothing in the contract that states this. Coincidence?
       
      After a few heated exchanges with ASG (pardon the pun) I decided to pull the plug and cancel our agreement.
       
      The boiler was removed and replaced by a reputable installer,  and the old boiler was returned to ASG thus ending our contract with them. What's mad is I saved in excess of £1000 in the long run and got a new boiler with a brand new 12yr warranty. 
       
      You only have to look at TrustPilot to get an idea of what this company is like.
       
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    • Dazza a few months ago I discovered a good friend of mine who had ten debts with cards and catalogues which he was slavishly paying off at detriment to his own family quality of life, and I mean hardship, not just absence of second holidays or flat screen TV's.
       
      I wrote to all his creditors asking for supporting documents and not one could provide any material that would allow them to enforce the debt.
       
      As a result he stopped paying and they have been unable to do anything, one even admitted it was unenforceable.
       
      If circumstances have got to the point where you are finding it unmanageable you must ask yourself why you feel the need to pay.  I guarantee you that these companies have built bad debt into their business model and no one over there is losing any sleep over your debt to them!  They will see you as a victim and cash cow and they will be reluctant to discuss final offers, only ways to keep you paying with threats of court action or seizing your assets if you have any.
       
      They are not your friends and you owe them no loyalty or moral duty, that must remain only for yourself and your family.
       
      If it was me I would send them all a CCA request.   I would bet that not one will provide the correct response and you can quite legally stop paying them until such time as they do provide a response.   Even when they do you should check back here as they mostly send dodgy photo copies or generic rubbish that has no connection with your supposed debt.
       
      The money you are paying them should, as far as you are able, be put to a savings account for yourself and as a means of paying of one of these fleecers should they ever manage to get to to the point of a successful court judgement.  After six years they will not be able to start court action and that money will then become yours.
       
      They will of course pursue you for the funds and pass your file around various departments of their business and out to third parties.
       
      Your response is that you should treat it as a hobby.  I have numerous files of correspondence each faithfully organised showing the various letters from different DCA;s , solicitors etc with a mix of threats, inducements and offers.   It is like my stamp collection and I show it to anyone who is interested!
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Just how many secret credit agencies are there?


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  • 2 weeks later...

On the subject of the DPA, I had an interesting chat with Experian the other week and the very helpful advisor volunteered a little piece of information. Whenever you apply for finance and are turned down, you are entitled to appeal that decison. Now in communication with various mortgage companies, so many of them say that there is no appeal if you are turned down for a mortgage:eek:

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  • 1 month later...

http://www.opsi.gov.uk/si/si2008/pdf/uksi_20082353_en.pdf

 

Here is proof of a direct link between the Government and N. Hunter Ltd. An amendment to an Act of Parliament.

 

The Government has passed a law stating that the government departments and local authorities can pass any information held on you to these specific listed commercial organizations. In turn, these organizations can provide the same authorities with information they hold on you from other commercial sources, such as banks, your applications, etc.

 

(a) CIFAS;

(b) Experian Limited;

© Insurance Fraud Investigators Group;

(d) N Hunter Limited;

(e) The Insurance Fraud Bureau;

(f) The Telecommunications United Kingdom Fraud Forum Limited.

Edited by Danchi
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I have also received this letter from National Hunter.

 

They say they hold no data about me (but have kept my £10 anyway!).

 

nationalhunter.jpg

 

Thats probably why your application was declined, Cos they have no record or information about you

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http://www.opsi.gov.uk/si/si2008/pdf/uksi_20082353_en.pdf

 

Here is proof of a direct link between the Government and N. Hunter Ltd. An amendment to an Act of Parliament.

 

The Government has passed a law stating that the government departments and local authorities can pass any information held on you to these specific listed commercial organizations. In turn, these organizations can provide the same authorities with information they hold on you from other commercial sources, such as banks, your applications, etc.

 

(a) CIFAS;

(b) Experian Limited;

© Insurance Fraud Investigators Group;

(d) N Hunter Limited;

(e) The Insurance Fraud Bureau;

(f) The Telecommunications United Kingdom Fraud Forum Limited.

 

That's very interesting. I have recently had a case against a local council as well, so perhaps I will SAR N Hunter again in a few months and see if they have anything new about me.

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  • 11 months later...
That's very interesting. I have recently had a case against a local council as well, so perhaps I will SAR N Hunter again in a few months and see if they have anything new about me.

What if national hunter do not hold information on you or anyone else , what if they gather information send it on then destroy what they had when you SAR them they could then say we do not hold any information MAKES YOU THINK :idea:

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Talk about paranoia

Idont think anyone on these forums is paranoid, i think we are trying to get the truth from an ever growing tangled web of lies and corrupt companies using every which way they can to get every penny they can from us aided and abetted by government bodies , slimy corrupt polititians and shadowy organisations who hide behind laws that are suposed to protect us:mad:

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Fact 1 cra collect information on us Fact 2 there is an ever growing list of these companies Fact 3 they try everything they can to not give us the information they hold on us Fact 4 They were started to give banks a good idea of who was a good payer a good risk Fact 5 They have expanded and now offer debt collection ,conflict of interests methinks FACT 6 THEY PAY POLITITIANS IF YOU WANT THE PROOF SPEND A LITTLE TIME READING THE STICKYS AS I CANT BE BOTHERED TO FIND IT FOR YOU

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I've read this forum for many a year and dealt with a lot of these bottom feeders. For you to suggest I read more having just joined and 6 post shows naievety at best and ignorance at worst. I refuse to speculate as all it does is become a vehicle to increase peoples worry.

 

Your suggestion was just that. If somone can offer real evidence then we can discuss it further.

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I've read this forum for many a year and dealt with a lot of these bottom feeders. For you to suggest I read more having just joined and 6 post shows naievety at best and ignorance at worst. I refuse to speculate as all it does is become a vehicle to increase peoples worry.

 

Your suggestion was just that. If somone can offer real evidence then we can discuss it further.

Then dont speculate and dont speculate about me as i am on another forum as well i have been for years i have helped hundreds of people defend themselves against bottom feeders as you call them Istand by what i have said.

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Can you point out when I've speculated instead of what is quickly becoming tit for tat. Where is your evidence?

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Paranoid conspiracy stories ,i have spent a long time researching dca and cra , banks ,dwap , dvla, and many others which i wont go into ,along with many others i have found links with government and many other shadowy organisations i am at the moment preparing legal argument to take some of these untouchables to task that for obvious reasons is all i have to say to you on this matter

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So nothing credible then just riddles and smoke and mirrors.

 

I look forward to reading your legal argument at some stage.

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I would have expected better from someone like yourself JonCris. All I have said is let's be careful of starting fires without enough fuel to keep it burning.

 

I'm open to debate it I can see something worth discussing. All that was said by Yalnif was 'what if' although he now seems to be alluding to something different. If that is the case then I will look forward to seeing the evidence. I wasn't being cynical.

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I grew a little tree i was so happy as i wached it grow, i invited all my friends to take a look , but then i started to get paranoid, what if someone found my little tree, i thought about it for a while ,where can i hide my little tree, then it came to me i will hide it in the forest, but paranoid little me started to worry , what if someone stumbled about the forest looking for my little tree and found it, again i thought about this for a while , i talked about it with my friends , one of them said why not hide a leaf on one tree then a leaf on another tree untill you hide all the leafs, great idea,my friend was clever he could read and write, he made me a lovely computer programe that did not have a picture of my tree but it new how to find all the little leafs so i could look at my little tree anytime i wanted so could all my friends ,safe in the knowlege that someone might find a leaf but they would never find my little tree.

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