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    • Ok thanks guys for all the help & advice I think I will go the DRO option but will open a new bank account somewhere else first etc.  The only other things im little worried about is reading on the DRO it says about I wont be able to apply for credit but what about things like my car insurance as thats classed as credit paying it monthly Plus they say i must not have assets or car worth over £1,000 so what about things like my car worth around 2.5k and as said before when my father passed away he left me his camper that I cant part with its worth about 4k and what about things in house and jewellery etc ?? Can they come to house and check and so on
    • threads merged  please keep to one thread per issue.   dx  
    • read it proprly.. it doesn't say WILL anything and original creditors don't do court as they don't want the judge delving into their business model nor the bad publicity.   as for the FOS you just have to let it run. yours is a very short time since yo put it into them typically it always takes 6-9mts normally before they move on anything though they usually send you an ACK they have the complaint.        
    • Since the last post on this thread I have sent a complaint to the FOS but have not heard anything from them as yet either, I'm guessing they're rather snowed under and on reduced staff so no real surprise.   Still had nothing approaching help from lending stream but today they emailed me default notices for the loans, again demanding I phone them and pay up in full or they will begin court proceedings.   Any advice as to how I should proceed please?
    • Hi,   I received two PCNs in October 2019 from Havering Council. All the below applies to both PCNs, as the correspondences were at the same time:   Fast forward to February 2020, I file witness statements on grounds that I made representations within 28 days but did not receive a rejection notice.   The TEC cancelled charges.   Havering write to me asking for supporting evidence of representations that I made.   I email them screenshots with timestamps of the representations.   In early March Havering reply to me by email 'confirming receipt of email and both cases are now on hold pending an investigation. Please allow time for a full response to be sent.'   Fast forward to 18th June Havering write to me the attached:  Havering Charge Certificate.pdf   Now, it seems as though the sender of this letter is not up to date with both cases and is unaware of the TEC's decisions, as well as the email correspondence.   My questions are, 1) What should I do next? and 2) Is there a way to use their misstep to avoid paying for the PCN entirely?   Thank you.
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I've got a default on my credit file from Lowell's in relation to a three mobile phone contract. Bit of a long story but got into difficulties a few years back. The amount of the default has trebled since Lowell got their hands on it. Prepared to pay what I owe but not these outlandish charges. Any thoughts on this one guys? I'm assuming CCA 1974 doesn't apply as this is in regard to a service provided.

 

Thanks


"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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Yes your correct, a CCA doesn't cover Mobile phone contracts, you need to SAR them instead.;)


Who ever heard of someone getting a job at the Jobcentre? The unemployed are sent there as penance for their sins, not to help them find work!

 

 

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you will prob find they have terminated the contract

 

the reason the bill is so high is that they would have included how meny months were left on your contract as well as the curent bill

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So, excuse the ignorance here, but what good will a SAR do? Do telecoms contracts need to be covered by a properly executed consumer credit agreement?

 

Have no idea what approach to take, all assistance gratefully accepted!


"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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So, excuse the ignorance here, but what good will a SAR do? Do telecoms contracts need to be covered by a properly executed consumer credit agreement?

 

A mobile phone contract does not come under the consumer credit act, so sending them a CCA request is a waste of time.

By sending them a SAR this will show you all of the information they hold on you aswell as all transactions/payments/bills/ charges added etc etc


Who ever heard of someone getting a job at the Jobcentre? The unemployed are sent there as penance for their sins, not to help them find work!

 

 

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OK, so doing a SAR seems to be the way forward initially. I suppose taking postggj's comments from above it would seem that the total amount could be about right (there was 9 months or so left on the contract before it went into default).

 

I'm still unclear about why I should do a SAR in the first place. If I have no way to challenge this default & the total amount owed (like I could with a improperly executed CCA); should i just be talking to the DCA & making an offer for F&F to have the default satisfied?

 

Sorry if I'm appearing dense, this is all very new to me.


"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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So am I. There's little point paying a further £10 for info that may not help you.

 

First tthings first - Only Three UK can default you for not keeping to yuor contract, not Lowells or anyone else. You will have given 3UK permission to search your credit file and report your dealings, but you wouldn;t have done this with Lowells, so if they've defaulted you - get that reversed, and if they refuse, report this to the ICO and the CRA as a DPA breach.

Edited by buzby

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Has anyone pursued a DCA for defaulting on a telecoms agreement as mentioned in the above thread?


"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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Not sure what you mean. It is the DCA that does the pursuing. The agreement would be with the mobile network, so with no agreement the ex customer could not 'pursue' them in any meaningful way.

  • Haha 1

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OK, i did a general who are you letter on this one (as I'd not had any correspondence with the DCA) they've come back & said I am their customer & the date / amount of last payment. Going to SAR them now for the data protection breach. Thanks Busby, useful input!

 

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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