Jump to content


  • Tweets

  • Posts

    • Being accused of misleading a solicitors in a personal injury claim and being asked for substantial payment after 2 years of no correspondence from them.   Accident 30th January 2019   Hit and run, luckily I got the registration and reported it to the Police and Insurance Company (One Call)   One Call took details from myself and Police regarding damage to the car, they collected it and fixed with no problem, no excess to me as originally  I was told the other driver was uninsured, then it came to light that her insurance company had updated registration incorrectly.. they honoured her insurance.   A couple of days later I had a phone call asking me many questions about my injuries, stresses and checking that I was adhering to my insurance ie belt on etc. Once I had finished these questions, the rep said that I was eligible for a personal injury claim, I hesitated, to be honest I was a bit overwhelmed, had terrible migraines brought on by stress and couldn't be bothered with the calls and paperwork that needed to be done... I gave in and said let's go ahead afterall with the pain I had I may well need treatment which could be costly.   I filled in the relevant forms and paid an upfront fee of £150 incase it went to court.   I was referred to OCL Solicitors who deal with the claims on behalf of One Call, they asked the question again, ones I had answered numerous time.    They organised for me to have an assessment with a physiotherapist in Salisbury, quite a distance from where I live in Andover, I was expected to drive there and back 12 times, costing me just under £500 for petrol and parking. The physiotherapist asked for this amount of sessions due to my neck, back and head injuries.   They then request that I attend a Doctor's assessment, I was faced with a rude and bolshy man, looked at me as though I was putting him out for being there, he asked me questions but wasn't really listening, he was tapping away on his laptop whilst I was speaking, he contradicted me when I told him about my injuries and medication etc. Quite sometime later the Doctor filed his report and the company said that he had found my injuries were not condusive with the accident.... I was walking dogs without injury the day before my accident on the school run. I requested a second opinion.... every communication via email took weeks, I had to chase constantly and then without any emails or letters the file handler said I would not get a second opinion. She asked if I had filled in a form on my arrival and I advised with my husband's agreement that I had not.... I never heard from them again and that was 2 years ago.   Yesterday afternoon I received an email stating that I need to pay for the doctor, Physio and Legal costs as I had breached contract by misleading them...   I did not mislead them, I had genuine injuries which the physio worked on quite intensely, surely they have breached the contract themselves by not keeping correspondence with me as stated in their terms and conditions. They are after over £2500, they have suggested a monthly payment of 24 instalments.   I have not done anything wrong, if I pay it that is admitting I have lied/misled them.   Can you assist me please???   Rgds          
    • Hi lookinforinfo,   No problem, regarding the 'Pay on Foot car park' sign there are two, one on the inside at the front of the carpark approximately 5-10 meters from the entrance and another one on the inside at the back of the car park roughly in the middle.  There isn't one at the main entrance to the car park.  Both are situated inside the car park front and back.
    • I wanted to send a laptop back for a refund and chose to go through Hermes as they offered the best rate for the size of the parcel. I chose not to get it insured as I'd heard about it not being enforceable and a waste of money, especially as it only covered up to £300. After sending it off I was contacted by the laptop company saying that I need to get it back as the address they had listed on their website is no longer where they are based. I got in contact with Hermes straight away (same day) to try to resolve this. Parcel was sent off on the 24th of June, it was out for delivery on the 28th or 29th so I called Hermes and they were able to contact the courier to stop him delivering it, I was assured my parcel would be with me within a week. I checked the tracking on the 2nd and it said the parcel had been delivered to the neighbour of the address on the parcel, I called them as soon as I saw it and they raised it with depo for someone to collect the parcel and send it back to me, I have confirmation that it was retrieved and returned to depo on the 6th. I then checked tracking again and it had been redelivered to the same address on the 8th so I contacted them as soon as I found out, and they had to raise it with the depo once again. I didn't hear anything from them for a few days so I called on the 20th and they told me they had lost it and would send me a claims form and that I would get the value of my parcel as well as postage costs returned to me. My claim has been approved today but they are only offering me £20 for the laptop, plus the £6.80 postage fee. I needed to have this parcel sent off to the retailer by the 16th as that was my last day of being eligible for a refund, and because of Hermes's series of mess ups I wasn't able to meet this deadline and have now lost out on £408.99. Is there anything I can do to get the rest of the money back?
    • The bank is not telling the truth if they have told you that it is 60 days. Have you begun the chargeback process? If you can get them to confirm that is 60 days then tell them that you know that they are not telling you the truth and you will want it logged as a complaint which will eventually go to the ombudsman. Once you have begun the chargeback, as soon as they have established that the chargeback is valid then they will pay you back instantly. In your case where the delivery has not even happened so the contract has not been executed then the contract should be pretty fast. Have you begun the chargeback process or have you merely had a conversation with the bank about it? There is no reason that you should trust the bank on anything they say. They don't like giving you back your money and if you have simply had conversations with them without actually invoking the process then you have been wasting your time.  
    • How Chargeback Process Works & How to Win Chargeback WWW.SIGNIFYD.COM The chargeback process is painful for any merchant. Don't worry, we've outlined how chargebacks work with charts & diagrams.   Cant be instant ....there is a process that the bank must adhere to.
  • Recommended Topics

  • Our picks

  • Recommended Topics

3 mobile company sold my account to Lovells


salimnina
 Share

style="text-align: center;">  

Thread Locked

because no one has posted on it for the last 4242 days.

If you need to add something to this thread then

 

Please click the "Report " link

 

at the bottom of one of the posts.

 

If you want to post a new story then

Please

Start your own new thread

That way you will attract more attention to your story and get more visitors and more help 

 

Thanks

Recommended Posts

Hi to all,

I did buy a mobile contract over the phone from a company that I found on the newspaper, I called them and they took my cards details, they sent me the phones with a irresistible offer on cash back.

I used the phones for about three or four months however I never got my cash back and bills were high, so I stopped using the phone, the network I was using was 3, when i told them about the problem they said that I needed to talk to the dealer who got me the phone, obviously they had no office and it was all over the phone, frustrated I stopped using the phone and 3 asked me to pay in full for the remaining months left. I changed address and notified 3 and then changed address again and never notified them. this is all in 2007.

this month I got a letter from 3 company ( I did take mobile broadband with them for a month and that's how they tracked me ) and they asked me to pay the previous balance of £299, then I got a letter from them telling me that they sold my account to Lovells and this enforcing agency or debt collector is asking me now to pay them.

I don't know what to do really but for sure I don't want to pay them because I cannot and I do not want to.

Can anyone please tell me what are their chances of taking it from me?

Are they going to take me to court?

are they going to come to my place and threaten me ? I have a wife and kids at home and don't want them to be scared

What's the best way to deal with me as so far I ignored them and shredded all their letters.

It would be much appreciated if you could advise, as I said my wife is scared when someone knocks...and it's a stressful thing to go through.

thanks a lot and much appreciated.

Link to post
Share on other sites

Anthrax alert at debt collectors caused by box of doughnuts

 

Make sure you do not post anything which identifies you. Although we can remove certain things from the site unless it's done in a timely manner everything you post will appear in Google cache & we do not have any control over that.

 

Vir prudens non contra ventum mingit

 

[sIGPIC][/sIGPIC]

17 Port & Maritime Regiment RCT

Link to post
Share on other sites

if I ignore them what would happen ? I did not notify them of my new address, further more it is not my own address, it's my uncle's address that I am staying at for a while, I did change my credit card/debit card address to this address and i remember now that I paid with direct debit 3 company for some months, would that be an evidence? as far as I know i didn't sign anything with anyone, it was all over the phone.

Link to post
Share on other sites

If you updated your address with your creditcard company they will have updated the information on your credit file so Lowells will be able to access that information.

 

As for ignoring them, that is up to you but they can be quite tenacious once they realise they have located the person they are after. Obviously it's up to you, but they will inundate you with letters/postcards & if they manage to get your 'phone number they will bombard you with calls.

would that be an evidence? as far as I know i didn't sign anything with anyone

That is the whole point of sending a 'Prove It' letter. The onus is on them to prove a debt exists and that they are entitled to collect it.

Anthrax alert at debt collectors caused by box of doughnuts

 

Make sure you do not post anything which identifies you. Although we can remove certain things from the site unless it's done in a timely manner everything you post will appear in Google cache & we do not have any control over that.

 

Vir prudens non contra ventum mingit

 

[sIGPIC][/sIGPIC]

17 Port & Maritime Regiment RCT

Link to post
Share on other sites

I am currently dealing with Lowell regarding an 02 account that has been sold to them.

 

As cerberusalert has advised send them the prove it letter. Lowell will probably send you a copy of a spreadsheet with your name on it and tell you that this proves your liability. This does not prove any liability, what you require from Lowell is

 

1. Copy of any contract from 3 relating to this alleged debt

2. Copy of any the final bill from 3

 

Lowell will give you the run around and will then try and intimidate you by passing your account to Red Collections (Same company as Lowell's)

 

Lowell might even try to charge you £4.99 to get the Information you have asked for from 3

 

Remember that it is Lowell's responsibility to prove your liability and they must provide

 

1. Copy of any contract from 3 relating to this alleged debt

2. Copy of the final bill from 3

I hope the information i have provided help and if you need any help let me know

Link to post
Share on other sites

 

Remember that it is Lowell's responsibility to prove your liability and they must provide

 

1. Copy of any contract from 3 relating to this alleged debt

2. Copy of the final bill from 3

I hope the information i have provided help and if you need any help let me know

so what's the best course of action then please? to write to them and start this fight?

or

not to reply to them?

am not sure what to do really

thanks

Link to post
Share on other sites

same thing has happened to me, i sent a prove it letter to bcw aka scumbags are us (i even put that on the letter!) sent on the 20th and have heard nothing as yet. have also queried it with experien as the cheeky twats have put a default on my credit file without my permission and without a default notice being served. so the account is in dispute because of this, experien have said they are writing to them and a note has been put on my file. from what i have read on here they are a bunch of ******s out to scare some poor person into paying. the advice you get on here is superb!!!! so i hope everything turns out ok

Link to post
Share on other sites

same thing has happened to me, i sent a prove it letter to bcw aka scumbags are us (i even put that on the letter!) sent on the 20th and have heard nothing as yet. have also queried it with experien as the cheeky twits have put a default on my credit file without my permission and without a default notice being served. so the account is in dispute because of this, experien have said they are writing to them and a note has been put on my file. from what i have read on here they are a bunch of ******s out to scare some poor person into paying. the advice you get on here is superb!!!! so i hope everything turns out ok

 

 

 

 

Lowells bought the account from 3 mobile company, 3 said that they sold my account to them. verbal agreement with the dealer not 3 and I am not aware of 3 terms & conditions

Lowells might know because of my bank statements or BT bill, but nothing else, not council tax or electoral list as I am staying with my relative, do you think I can ask my relative to write to them and ask them not to contact me on that address?

all in all I don't want this headache, it's stressful and I don't want to embark in a long fight

this is my point, I don't care now about my credit scoring as I don't like credit cards and loans anyway.

Link to post
Share on other sites

 

Thanks, I will, I think I have no choice but start this battle, I will let you know about the progress, you will hear from me soon I suppose.

Thank you all of you for the great support you're giving

Link to post
Share on other sites

Thanks, I will, I think I have no choice but start this battle, I will let you know about the progress, you will hear from me soon I suppose.

Thank you all of you for the great support you're giving

 

As i stated before i am in a similar battle with Lowell so i am more than happy to help you as your battle progresses.

Link to post
Share on other sites

As i stated before i am in a similar battle with Lowell so i am more than happy to help you as your battle progresses.

Much appreciated, so I am on the right track then? what would you suggest on top of what I will be doing?

Link to post
Share on other sites

Much appreciated, so I am on the right track then? what would you suggest on top of what I will be doing?

 

Yes your on the right track, send off the letter and wait for a response.

Link to post
Share on other sites

Yes your on the right track, send off the letter and wait for a response.

the trouble is that I shredded the correspondence !!! shall I just wait for the next letter and hopefully it wont be late or do I contact them? also do I need to dispute the sum with 3 mobile and get them on hold or would that be stopping them is enough ? also what do you think? how is our case and what are our chances here?

Link to post
Share on other sites

hi there, got a letter from bcw yesterday stating they were refering it back to the client etc etc, today i get two letters one for a final demand dated the 29th july and another letter dated the 28th stating

 

Dear x x x x

 

i write in response to your recent request for a signed copy of the original credit agreement between yourself and the above named client (lowell). thats great only i never asked for one i sent a disputed debt letter?

i can advise thats as the agreement in question is not covered by the cca, the debt is still enforcable in the absence of the aformenetioned document.

 

i have placed a 7 day delay on collection activity bless em how sweet!

etc etc

 

 

ok guys which letter comes next

 

i can advise

Link to post
Share on other sites

You will find that 3 are amongst the worst of the worst for persistence and ignoring anything you write. They will telephone oftern.

 

Lowells, however, are also as bad. Mobile contract are not covered by the CCA as already mentioned and the contracts are extremely hard to get out of.

 

You could get lucky and ride this debt out, but in all honesty my opinion would be that once the debt is proved and the right to collect is also proved offer a small regular payment and stick with it. If they do then take the matter to Court you will have proved that you are not shirking your debts.

Every journey begins with a single step :):)

 

Please note: I have no qualifications in this area - my advice is learned from the wonderful members of this Forum. Thanks to you all for your help.

 

If you have found my post helpful please leave a short message by clicking the star to the left of my profile - Thank You

 

The only person entitled to your Personal Finance details is a Judge not a DCA

 

Move all banking activity to another banking group if you have a dispute - your funds can be used to offset debts within the same group.

Be careful with Banking details (card/account numbers) as these can be used to take unauthorised payments.

Link to post
Share on other sites

  • 3 weeks later...
You will find that 3 are amongst the worst of the worst for persistence and ignoring anything you write. They will telephone oftern.

 

Lowells, however, are also as bad. Mobile contract are not covered by the CCA as already mentioned and the contracts are extremely hard to get out of.

 

You could get lucky and ride this debt out, but in all honesty my opinion would be that once the debt is proved and the right to collect is also proved offer a small regular payment and stick with it. If they do then take the matter to Court you will have proved that you are not shirking your debts.

 

 

I am not sure how they prove the debt as last week I received a letter from another agency with regards to the same case, it's now Red Debt ( another agency instructed by Lowell ) and they said that neither Lowell nor Red Debt LTD know about the reason of outstanding money but they bought the account and they need to money, they also 'to get another advise if money is not paid and the right action will be taken'.

Do you think i should reply to them asking for proof ? is it a real threat? or shall I just ignore them and let them think that their correspondence is not getting to the right person? i am sorry i still not with the mood to contact them, please advise and thanks

Link to post
Share on other sites

hi. red is another desk in the lowell office.

 

did you send the prove it letter to lowell?

 

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:

Link to post
Share on other sites

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:

Link to post
Share on other sites

  • 2 months later...

UPdate,

I sent the prove letter back in August, i got couple of replies from red and lowell acknowledging the receipt and also in another letter three or four weeks after stating that they still are looking and investigating...today I had an urgent letter asking me to contact a number ( am not sure if it's from the post office or not my wife found the letter under the door as someone rang and knocked the door many times and left) my wife gave me the number and ref, when i called it was Red again, I put the phone down.

what is the situation now? i sent the prove letter and it's more than 40 days now? what am I suppose to do now? call the number? ignore them? thanks

Link to post
Share on other sites

Hi.

 

was the letter in sealed envelope.

do you think someone called and put it through the door?

 

depending on what letter said.?

 

 

you could warn them by (letter)that you are still waiting for proof,or ignore till they come back again.

 

but DO NOT talk to these cretins on the phone ever.

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:

Link to post
Share on other sites

no, it was a kind of flyer thing, trying to mislead as if it was from the post office, anyway I wont speak to them, but again I sent them the prove letter and so far they haven't replied, what do you I should do, is that now harassment?? it is as some point, how could i stop them

Link to post
Share on other sites

the famous calling card:rolleyes:

designed to make you think that they had called.

so you call...

 

they have received your prove it,AND responded that they are investigating.

then lost the plot again between lowell crap and crap from red.

 

either ignore UNTILL they send written proof,that you except.

 

or send letter of complaint to compliance.inclose telephone harassment/doorstep templates and tell them to get it sorted before you bring it to the attention of OFT and TS.

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:

Link to post
Share on other sites

 Share

  • Recently Browsing   0 Caggers

    No registered users viewing this page.


  • Have we helped you ...?


×
×
  • Create New...