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victor82

Lowell /Red; 3G / Tulip debt (Redemption)

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The Enlightened Ones………………. I seek guidance.

 

I once had a 3g contract for which was supplied and/or introduced by Tulip upon a redemption scheme. True to form the problems I experienced as with many others the redemption was not honoured. I decided to with-hold from 3g the funds as they had with the redemption or so at least the subsidiary company.

 

This coupled with a faulty handset and calls being ‘dropped’ once connected led me to want to cancel a service from a network I was extremely unhappy with. Despite the voicing of my concerns and disgruntles with the service being provided I was always fobbed off the phone with un-concerned, rude and offensive customer service staff.

 

This debt has now been taken up by Lowell / Red Debt Collection Services. After reading some of the forums I decided to send them the CCA template, to which they replied;

 

“We are in receipt of your recent written request for a copy of your executed credit agreement under section 77(1) and / or 78(1) of the Consumer Credit Act 1974.

 

Please note that the balance requested for payment is a service agreement and not a credit agreement as defined by the Consumer Credit Act 1974.

 

We have, however, requested statements from the original creditor which will show you how the balance requested is made up. These will be forwarded to you upon receipt.

 

Please be assured that your account has been placed on hold until the requested statements have been received, at which point we will require your proposals for repayment.”

 

This was promptly followed by a letter from Red the day after, this then explained that as they were not getting payment proposals from me they would be looking at other collection methods, i.e. CCJ……although this seems a generic letter.

 

I do have a proposal letter for which I am happy to pay £199.99 minus the redemptions thus equating to £125.00, to bury this four year old matter providing that they remove the default on my credit file as well. However I do go no to explain that if this is not acceptable I am happy for a court, ombudsman service and or OFT’s decision I would accept as full and final.

 

Any help or guidance on this rocky path would be greatly appreciated.

 

Awaiting Your Reply.

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They are correct in saying that it is not covered by CCA, but it's jolly nice of them to request statements for you :)

 

I would wait and see what they send back to you first BEFORE you make any offer to pay. They may have added their own charges on there, which you do not have to pay!

 

Sit and wait it out for now, as the letter they have sent re: CCJ will be a template one full of what they MAY or COULD do.


:)I am not an expert, but I can give good advice about Brighthouse:)

 

Am learning more and more about DCA's too :)

 

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They are correct in saying that it is not covered by CCA, but it's jolly nice of them to request statements for you :)

what a lovely helpfull bunch they are

I would wait and see what they send back to you first BEFORE you make any offer to pay. They may have added their own charges on there, which you do not have to pay!

they have you wont

Sit and wait it out for now, as the letter they have sent re: CCJ will be a template one full of what they MAY or COULD do.

should be MIGHT but WONT.

 

 

 

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Thank you for your valuable help and guidance guys, really appreciative, especially in these testing of times.

 

Is there no service agreement letter i can send which is as effective as the CCA (esp when it comes to removing defaults and accountability on files)?

 

Will keep you informed - watch this space - thanks again!

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so to keep you guys updated, they have today sent another letter, it begins;

 

'We are in receipt of correspondance regarding your account and will respond to you or your appointed representative, where appropriate, as soon as possible.

 

Your account has been placed on hold whilst we deal with the correspondance and during this time you will not receive any contact from our collections team.

 

There is no need for you or your appointed representative to write to us again regarding this matter, however, should either of you wish to speak to someone in our Customer Services team please do not hesitate to call.'

 

hmmmmm................

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