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evancosmo

Lowell & Hutchinson 3G

style="text-align:center;"> Please note that this topic has not had any new posts for the last 3918 days.

If you are trying to post a different story then you should start your own new thread. Posting on this thread is likely to mean that you won't get the help and advice that you need.

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Hi everyone

 

Does anyone have any experience of dealing with Lowell? Not sure how to proceed. I have a March 07 default with Lowell on a 3 mobile phone contract which is almost three times the original debt(!)

 

I know house rules generally forbid us from talking to the scuzzers but if they're likely to have an enforceable agreement I can't help wondering if I shouldn't go in all meek & mild with an offer in return for a "settled / satisfied" flag on this account.

 

Thoughts / opinions anyone?? :confused:

 

Muchas gracias, EC


"Evancosmo" is short for the evanescent cosmopolite.

 

THE TRUTH WILL SET YOU FREE :rolleyes:

 

1st Credit: CCA request sent

Cabot: failed to provide CCA - s.10 DPA letter sent

Capquest#1: failed to provide CCA - s.10 DPA letter sent

Capquest#2: failed to provide CCA - s.10 DPA letter sent

Abbey: on going

Equifax: "attributable data" CCJ removed - Aug 09

 

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Hi,

 

I'm going to move this thread to the Telecoms Forum, I think you'll get help in there.

 

Regards.

 

Scott.


 
 

Any advice I give is honest and in good faith.:)

If in doubt, you should seek the opinion of a Qualified Professional.

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thanks Scott :)


"Evancosmo" is short for the evanescent cosmopolite.

 

THE TRUTH WILL SET YOU FREE :rolleyes:

 

1st Credit: CCA request sent

Cabot: failed to provide CCA - s.10 DPA letter sent

Capquest#1: failed to provide CCA - s.10 DPA letter sent

Capquest#2: failed to provide CCA - s.10 DPA letter sent

Abbey: on going

Equifax: "attributable data" CCJ removed - Aug 09

 

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Hi,

 

I would be questioning the leeds losers about whether they are actually collecting on a "real" debt and not one of the mistakes made by 3.

A while back Watchdog found that 3 had been flogging unknown debts to Lowell and it took ages for them to agree that the debt didn't exist.

 

In the first instance I would send them a prove it letter. Letter 18 here:

 

The Consumer Forums - Debt collectors

 

fox


If you are asked to deal with any matter via private message, PLEASE report it.

Everything I say is opinion only. If you are unsure on any comment made, you should see a qualified solicitor

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Thanks Silverfox! :)

 

Will look at the template now & update thread later


"Evancosmo" is short for the evanescent cosmopolite.

 

THE TRUTH WILL SET YOU FREE :rolleyes:

 

1st Credit: CCA request sent

Cabot: failed to provide CCA - s.10 DPA letter sent

Capquest#1: failed to provide CCA - s.10 DPA letter sent

Capquest#2: failed to provide CCA - s.10 DPA letter sent

Abbey: on going

Equifax: "attributable data" CCJ removed - Aug 09

 

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Hi,

 

I would be questioning the leeds losers about whether they are actually collecting on a "real" debt and not one of the mistakes made by 3.

A while back Watchdog found that 3 had been flogging unknown debts to Lowell and it took ages for them to agree that the debt didn't exist.

AND NOW BEEN STUPID ENOUGH TO BUY ANOTHER SHIP LOAD:-oI BELIEVE.

In the first instance I would send them a prove it letter. Letter 18 here:

 

The Consumer Forums - Debt collectors

 

fox

 

interested to response to prove it:D

SAM:pLOWELL DETESTER


SAM:pLOWELL DETESTER.

 

SO PROUD OF MY AVATAR,THAT TOOK ME WEEKS TO WORK OUT HOW TO GET ONE.:lol:

 

PLZ CLICK MY SCALES IF YOU LIKE WHAT I SAY.

OR IF I HAVE HELPED IN ANY WAY.:smile:

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Hmmm. Had a look at the "prove it" letter that Silverfox suggested & not sure how that would apply in this case.

 

Lowell have the default registered at a previous address & to the best of my memory have never chased me. Don't have account / reference numbers etc which is why I'm a little reluctant to use the above letter.

 

Was really interesting to note the issue of Lowell, 3 & the non-existent debts though. Wonder whether that's why they've never updated info or chased me? Saying that only registered only Electoral Roll this week after almost two years of being off register so i could be raining down a 5h1t storm on my head anyway!

 

I'm only looking at it now as I'd like the default removed / satisfied / settled.

 

Jury's still out on how to move this one forward....


"Evancosmo" is short for the evanescent cosmopolite.

 

THE TRUTH WILL SET YOU FREE :rolleyes:

 

1st Credit: CCA request sent

Cabot: failed to provide CCA - s.10 DPA letter sent

Capquest#1: failed to provide CCA - s.10 DPA letter sent

Capquest#2: failed to provide CCA - s.10 DPA letter sent

Abbey: on going

Equifax: "attributable data" CCJ removed - Aug 09

 

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interested to response to prove it:D

SAM:pLOWELL DETESTER

 

 

I knew you wouldn't be far behind me Sam.

As soon as we see the name, it's like a red rag to a bull :D


If you are asked to deal with any matter via private message, PLEASE report it.

Everything I say is opinion only. If you are unsure on any comment made, you should see a qualified solicitor

Please help CAG. Order this ebook. Now available on Amazon. Please click HERE

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oh yes.a platinum one now lol.

 

getting this looked into again with watchdog:Dat this moment.

 

SAM:pLOWELL DETESTER


SAM:pLOWELL DETESTER.

 

SO PROUD OF MY AVATAR,THAT TOOK ME WEEKS TO WORK OUT HOW TO GET ONE.:lol:

 

PLZ CLICK MY SCALES IF YOU LIKE WHAT I SAY.

OR IF I HAVE HELPED IN ANY WAY.:smile:

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Do you know what? Can't argue with the stats (two platinums after all!)

 

OK. Going to draft the tailored Prove it letter & get a bit sarky with them into the bargain. Will post something here when done.


"Evancosmo" is short for the evanescent cosmopolite.

 

THE TRUTH WILL SET YOU FREE :rolleyes:

 

1st Credit: CCA request sent

Cabot: failed to provide CCA - s.10 DPA letter sent

Capquest#1: failed to provide CCA - s.10 DPA letter sent

Capquest#2: failed to provide CCA - s.10 DPA letter sent

Abbey: on going

Equifax: "attributable data" CCJ removed - Aug 09

 

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Do you know what? Can't argue with the stats (two platinums after all!)

 

OK. Going to draft the tailored Prove it letter & get a bit sarky with them into the bargain. Will post something here when done.

 

play fair and only use small words so they can understand:rolleyes:

SAM


SAM:pLOWELL DETESTER.

 

SO PROUD OF MY AVATAR,THAT TOOK ME WEEKS TO WORK OUT HOW TO GET ONE.:lol:

 

PLZ CLICK MY SCALES IF YOU LIKE WHAT I SAY.

OR IF I HAVE HELPED IN ANY WAY.:smile:

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ok, what do you think to this to get the ball rolling then guys? Haven't got too sarky with them yet as keeping my powder dry!

Lowell whats all this then.doc


"Evancosmo" is short for the evanescent cosmopolite.

 

THE TRUTH WILL SET YOU FREE :rolleyes:

 

1st Credit: CCA request sent

Cabot: failed to provide CCA - s.10 DPA letter sent

Capquest#1: failed to provide CCA - s.10 DPA letter sent

Capquest#2: failed to provide CCA - s.10 DPA letter sent

Abbey: on going

Equifax: "attributable data" CCJ removed - Aug 09

 

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I defy you to leave the "Dear scumbags" in:D

 

I would also point out that they should remove the default "or else"


If you are asked to deal with any matter via private message, PLEASE report it.

Everything I say is opinion only. If you are unsure on any comment made, you should see a qualified solicitor

Please help CAG. Order this ebook. Now available on Amazon. Please click HERE

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Good point about the default! As for the Dear Scumbags?? Did i mention i was keeping my powder dry? Maybe next time! ;)


"Evancosmo" is short for the evanescent cosmopolite.

 

THE TRUTH WILL SET YOU FREE :rolleyes:

 

1st Credit: CCA request sent

Cabot: failed to provide CCA - s.10 DPA letter sent

Capquest#1: failed to provide CCA - s.10 DPA letter sent

Capquest#2: failed to provide CCA - s.10 DPA letter sent

Abbey: on going

Equifax: "attributable data" CCJ removed - Aug 09

 

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maybe flag it for the attention of

 

sam marsden (yet another one)

head of compliance

 

or bob collins

director of compliance

 

SAM:pLOWELL DETESTER


SAM:pLOWELL DETESTER.

 

SO PROUD OF MY AVATAR,THAT TOOK ME WEEKS TO WORK OUT HOW TO GET ONE.:lol:

 

PLZ CLICK MY SCALES IF YOU LIKE WHAT I SAY.

OR IF I HAVE HELPED IN ANY WAY.:smile:

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The response to the "prove it" letter has come back. They "noted" I said I wasn't their customer but with the info they hold they believe I am their customer - they also noted the date & amount of last payment on the account (have no recollection but could be right). Now they want my proposals for repayment.

 

OK. So the issues as i see them are:

 

1. No one told me the debt had been sold on (although I moved several times so I'm sure they could argue they did)

2. Lowells have entered a default on my CRA files - I didn't know I'd agreed with 3 that this could happen!

 

So, the reality here is that I am prepared to make a F&F on this (albeit not this month) but I want to find a way to get rid of the default.

 

Any suggestions guys??

 

EC


"Evancosmo" is short for the evanescent cosmopolite.

 

THE TRUTH WILL SET YOU FREE :rolleyes:

 

1st Credit: CCA request sent

Cabot: failed to provide CCA - s.10 DPA letter sent

Capquest#1: failed to provide CCA - s.10 DPA letter sent

Capquest#2: failed to provide CCA - s.10 DPA letter sent

Abbey: on going

Equifax: "attributable data" CCJ removed - Aug 09

 

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OH I hate these %%$£**"s

 

So after ages of trying to resolve my particular problem (two unfair defaults on credit file) amicably, eventually I served in the county court and they've now entered a defence. Its not much of a defence granted, but a defence non the less, (and I'm gonna need help with that guys)

 

I have again asked if they want to reach amicable solution - no reply, so over this last weekend I've been all doom and gloom and woe is me - then my 19 year old son says

 

"even if they go to court and win, the default then becomes a judgement and coz you cant have a default AND judgement for the same thing the default comes off - so if you then pay the judgement within 28 days, the judgement comes off too so problem solved" (the amount is only £65)

 

IS THAT RIGHT???????? GOD I'd feel soooo much better if thats right!

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The thread above is interesting!

 

Anyway, this saga trundles along. I decided to do a SAR on these guys which I drafted & sent this morning. Got home from work to discover I've had a letter from BCW to collect on this.

 

Am I right in assuming that this debt is technically in dispute while a SAR is outstanding? If so this would make BCW's approach deceptive & / or unfair according to OFT guidance


"Evancosmo" is short for the evanescent cosmopolite.

 

THE TRUTH WILL SET YOU FREE :rolleyes:

 

1st Credit: CCA request sent

Cabot: failed to provide CCA - s.10 DPA letter sent

Capquest#1: failed to provide CCA - s.10 DPA letter sent

Capquest#2: failed to provide CCA - s.10 DPA letter sent

Abbey: on going

Equifax: "attributable data" CCJ removed - Aug 09

 

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Bumping this thread as I am still at a loss as to how to proceed.


"Evancosmo" is short for the evanescent cosmopolite.

 

THE TRUTH WILL SET YOU FREE :rolleyes:

 

1st Credit: CCA request sent

Cabot: failed to provide CCA - s.10 DPA letter sent

Capquest#1: failed to provide CCA - s.10 DPA letter sent

Capquest#2: failed to provide CCA - s.10 DPA letter sent

Abbey: on going

Equifax: "attributable data" CCJ removed - Aug 09

 

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I don't think the lowlifes should have got BCW to collect on this. Does the letter say they are collecting on behalf of the Northern Numpties? Lowells should have responded by now and the SAR still has time to go before it becomes in dispute.

I think that because you are disputing the debt, it could be classed as in dispute

I'm thinking that a bemused letter might be in order. Again you will have to edit it to suit.

 

http://www.consumerforums.com/resources/templates-library/86-debt-collectors/574-letter-when-account-has-been-passed-on-whilst-agreement-request-is-in-dispute

 

The above link is just to give you some idea of what to write. The rest is up to you


If you are asked to deal with any matter via private message, PLEASE report it.

Everything I say is opinion only. If you are unsure on any comment made, you should see a qualified solicitor

Please help CAG. Order this ebook. Now available on Amazon. Please click HERE

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Dear Evan,

 

Where have you got to with this - also Sam did you try and take this up with watchdog again? I emailed them.

 

I am also suffering form fake 3G debt and am unsure the correct protocol to proceed.

 

Thanks

 

http://www.consumeractiongroup.co.uk/forum/debt-collection-industry/225390-3g-lowells-debts-yes-new-post.html

Edited by banker_bater

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