Jump to content



  • Tweets

  • Posts

    • Can you explain a little bit more about the delivery please. Somebody sent them to you – was it a retailer who sold them to you? If you have to claim against Hermes then if you declared only a £300 value then this is probably what you will have to settle for. You pay £95 shipping costs – that is extraordinarily high for Hermes. Can you explain why it was so expensive.   Have you made a formal claim to Hermes? And have they responded?
    • I'm sorry there are a few typos in my post - a hangover from injuries I had at the time being discussed. I did try to tidy it up straight away but wasn't allowed to repost after editing it.
    • You posted in a solid block of text and it's rather difficult to read. Please will you make sure that your posts future are properly spaced and punctuated and that way people will find it easier to give you the help and support you need.
    • I arranged the delivery of a set of drum kit wood shells with hermes, I booked directly online. They have told me the item is lost 70x50x55 cm box???   They asked me to fill in a claim form which I have done i declared a value of £300 for the parts sent and paid for extra cover. I had recently purchased the whole drum kit for £650 and shipping costs of £95.00 to get them to me.    After investigating the cost of replacing the shells, not a direct equivalent but similar, it will cost around £450.00 with delivery.   I want to get compensation over the £300, is that possible, i have informed them of the total loss with delivery costs, prior to shipping with Hermes as £745.   I am more than happy to go to the small claims court for the difference but would it be dismissed,   Should I go for the full cost of the loss or the cost of replacement shells only I have all the receipts for the drums and shipping costs prior to hermes losing my items.   I still have the remaining parts that a pretty much worthless now, unless i get a new set of drum shells.   Its probably going to to take ages, I've written to CEO of Hermes about my complaint as well just to cover all bases. Next stop will be the small claims court as i read they pull delay tactics and low offers.   They really didnt care and also didn't seem surprised when i spoke to a service agent.
    • Hi all I used to be a member here a few years ago when I went through a bad time - husband and I had bad health, both lost jobs etc, we got the usual helpful and sympathetic response from the bank.   With the help of CAG I did my best to fight back and found that some debts were legally unenforceable as well as the usual defective defaults and everyting else the banks were doing wrong. We're going back to about 2009/10.   With HSBC they refused to provide a SAR/CCA because I wouldn't provide a signature that matched their records. I remember I took the advice from CAG at the time NOT to sign.  in any case, due to my injury I was unable to do anything except scrawl. I told them that I didn't think the SAR required a signature and in abny case I couldn't. In short they refused to cooperate, there as a series of letters but they cited the DPA, at which point I pointed out that they were sending me demands, statements and theatening letters but only now were they saying they had to verify my ID (at that point, the bank said that they wouldn't send any more statements/demands etc until my Id could be confirmed (seriously, you couldn't make it up). I also pointed out that the guidance from the ICO was that if they were responding to the address they has on record and was the usual contact address, they could assume it was their customer writing to them. I even complained to the ICO who, as usual took the bank's side.   Eventually, I said to the bank that if they were unable to give me details of the alledged debt then I was unable to consider their demands and verify the situation and I wouldn't correspond with them any more and they could go to court if they liked. But, if they did lodge court papers, and sent the statements etc I'd immediately complain to the ICO that they hadn't verfied my ID acording to their own procedures (something the ICO had agreed was required), and I'd bring it to teh attention of teh court that they had deliberately not sent me the data to allow it to be resolved one way or teh other. If they didn't send the stuff through discovery, I'd lodge an embarassed defence and ask for it to be struck out as I had been asking for the records for 6 months or more.  I didn't hear any more from them, that was in March 2011.   In Nov 2015 I got a letter from Hoist Portfolio Holdings 2 Ltd that they has been assigned the rights from MKDP LLP and giving bottom Robinson Way's address. I hadn't heard of MKDP before and simply ignored it. I certainly wasn't aware it had be assigned to them in the first place.   A few days ago, I got a letter from Hoist again asking for payment. I intended to ignore it except for a letter I got from the Bank this morning.   The letter is the same one that has been mention on here very recently, a refund from the bank for £25 because they had determined I hadn't recived the correct level of service (no sh*t Sherlock!) The account number is NOT my currect account. It MAY be my credit card, but I seem to remeber they were rolled into one. I don't seem to have any correspondence about the CC, and I destroyed all paper documents a few months ago. All I have is scanned copies of letters (which may not be a complete record, but should be).   I received a letter in Nov 2017 from PRA about another CC saying the debt has been assigned to them (no letter of assignment from the creditor) and in Jan 2018 an 'Annual Statment'. Since then, nothing.   I've made a point of ignoring these kind of letters and demands in the past belieivng they were SB and eventually the data would be destoyed. After a few years of actually being able to relax, I'm now worried that the aggro is all going to start up again with this HSBC and other accounts.   Now, the questions. it is/was my understanding that the debts became Statute Barred a few years ago and they couldn't be enforced. The CC default was issued Feb 2009. A month later a Final Demand was issued for both current AC and CC giving a combined total. (that total is similar to the one sought by Hoist which gives my currect AC number).   So, are these accounts SB? If they are SB and the bank has desposed of them by assignment to someone, why do they still have my name and enough details of my correspondence to determine they didn't behave correctly? Does the DPA not require them to destroy data after 6 years?   On the same DPA note, it seems that this account is simply being passed around from one **** bag bottome feeder to another (maybe teh same one under different names), again, why is data still being processed after 6 years? Am I doomed to be persistely pursued by these scumbags until I die? Or am I worng? Are they able to process data as long as they like, even when there has been no contact for years?              
  • Our picks

Another Lowell story...


Please note that this topic has not had any new posts for the last 4084 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.

If you are trying to post information which is relevant to the story in this thread then please flag it up to the site team and they will allow you to post.

Thank you

Recommended Posts

Ok a strange question that relates to all this...

Ive just seen my credit report from Experian, and amongst other things the alleged debt with Lloyds/Lowell does not exist...nothing, zip, nada...

i have had 2 credit searches from Lowell (both without my permisson) but Nothing to say i own money to either...could this rule in my favour?

Link to post
Share on other sites
  • Replies 54
  • Created
  • Last Reply

Top Posters In This Topic

They are entitled to ask you repy the debt. But once you have sent them the Stat Barred letter to say that you will not be paying, they are supposed to leave you alone after that. If they don't, report them to Trading Standards and the OFT.

Link to post
Share on other sites

wait till they get back,they will:D

 

might just be a little longer as they are reluctant to let you go.as they have obtained payment from you twice:mad:

 

 

the debt is not statute barred.

nor was it before they conned payment from you.

so you cant go that route.

 

anything other than case closed.as they cant locate.

or offers that you are going to ignore to close.

can be dealt with:p

 

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

Hello again folks,

righty its fast coming up to the 14th day after the dispute letter was sent and still i have not had a dicky bird from Lowells...

was expecting to get a letter of some discription from them at theast asking for part payment, again nowt...so basically do i consider the case to be closed after this, and send something to Lowells to that effect?

Link to post
Share on other sites

From experience with Lowells you will maybe get another letter or 2 saying we are still looking for the documents ...please pay 50% to clear it off then 30 % ...blah blah

Then you will get the " we wont contact you again until we get the documents " letter which means they have given up :D

Link to post
Share on other sites

All i want is aletter from them stating that the account is closed, if they cant provide me with the details i have requested (and paid for...even if its a £1!), i consider the matter closed...i dont want them to "leave the door open ajar" just to be able to try the again in the future...

Link to post
Share on other sites
All i want is aletter from them stating that the account is closed, if they cant provide me with the details i have requested (and paid for...even if its a £1!), not to mention postage and 2 conned payments.i consider the matter closed...i dont want them to "leave the door open ajar" just to be able to try the same sh*t again in the future...

 

think you missed a bit from your quote :roll:

 

maybe,due to massive recent losses,they are cutting down on fruitless postal costs.

 

would consider it closed.it is.they know it,

 

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

Hey kirksson.

Do not let these ****es take any more of your time they can do jack. I owe lowell / cap1 over £1700. I pay no interest and only £5.00 a month. I offered them a full and final settlement of £600 on numerous occassions they refused it. I asked them for their bank details so I can pay something they didnt end me any of their bank details. Eventually I wore them down I told them that if they took me to court the judge will be on my side as I have tried every effort to sort this debt and they have continued to flought the law with unfair treatment.

 

It is tiring and sometimes u just want to give up. DON'T LET THEM WIN OR BARE YOU DOWN. They recently made me an offer of over £800 i didnt bother to respond, I got a feeling they might sell my debt on, when they do I'm gonna go for a cca or subject request just to make the debt collectors earn there money.

These debt colectors are so use to people not knowing their rights and they love it. So when they meet people like us it turns into a war.

 

Please please dont make the same mistake that i did by letting these people be the first and last thing you think about.

 

 

Satoriea

Link to post
Share on other sites
think you missed a bit from your quote :roll:

 

maybe,due to massive recent losses,they are cutting down on fruitless postal costs.

 

would consider it closed.it is.they know it,

 

SAM

 

I think you are right, but im too polite to swear....:rolleyes:

 

Hey kirksson.

Do not let these ****es take any more of your time they can do jack. I owe lowell / cap1 over £1700. I pay no interest and only £5.00 a month. I offered them a full and final settlement of £600 on numerous occassions they refused it. I asked them for their bank details so I can pay something they didnt end me any of their bank details. Eventually I wore them down I told them that if they took me to court the judge will be on my side as I have tried every effort to sort this debt and they have continued to flought the law with unfair treatment.

 

It is tiring and sometimes u just want to give up. DON'T LET THEM WIN OR BARE YOU DOWN. They recently made me an offer of over £800 i didnt bother to respond, I got a feeling they might sell my debt on, when they do I'm gonna go for a cca or subject request just to make the debt collectors earn there money.

These debt colectors are so use to people not knowing their rights and they love it. So when they meet people like us it turns into a war.

 

Please please dont make the same mistake that i did by letting these people be the first and last thing you think about.

 

 

Satoriea

 

Thank you for your kind words and support, its funny how we all know that we have made mistakes along the way, and all we want to do is sort the problems out in the quickest way possible, without causing ourselves even more distress, but its B'stards like Lowlifes who are allowed to keep trading, keep putting pressure on poor unguided people, who get so desperate they contemplate ( and sometime commit) suicide, i honestly dont know how they sleep at night.

Im even more disgusted that the governing bodies do nothing to stop companies like this, Though it would be funny to see 400 Lowells workers out of work and in debt...see how they like it!

Link to post
Share on other sites

Well today was the last day that Lowell could furnish me with the details i requested, and what a surprise...not a jot.

 

So do i have to send them anything to say "you fail big time" sod off?

or do i do nothing at all?

I need to get some closure on this now i think...

Link to post
Share on other sites
  • 4 weeks later...

Hi everyone, its been a while since ive been on, but ive had nothing to report...until now....

 

i received a letter from lowlifes saying that Lloyds couldnt furnish the details reqested due to the length of time.

 

they have decided to close my account and cease all action unless Lloyds somehow finds the original agreement.

 

£2970 gone

 

Im over the Moon here guys, its such a relief to finally know that i dont have to be subjected to the crap that they dish out.

I cant thank you all enough for your support and advice.

 

It shows once again that the CAG is the ONLY place to come for real honest help.

 

To those who are dealing with Lowell just now, DONT GIVE UP HOPE, these loosers will try everything to get you to pay, just stay calm and ask plenty of questions here. the group is fanastic and should be treated as a national treasure.

 

Thank you CAG

Link to post
Share on other sites

That is wicked Kirksson..

Im goin thru it all now with Lowells,I hope I have the same success, It really does get you down tho! Im sick to death with it all!

But Weldone to you!

Link to post
Share on other sites

Well done! after a few years of threat-o-grams from these people and myself finding this site i am now in the process of fighting these morons, think they are chasing me for 4 debts, 1 of which i have never even heard of (orig creditor) and another is ludicrus bank charges from a disputed DD payment. Now im older and wiser im very happy to pay my debts i owe but not ones that shouldnt exsist in the first place! Once again well done and hopefully i should be able to rid these parasites from filling my mail box!

Link to post
Share on other sites
  • Recently Browsing   0 Caggers

    No registered users viewing this page.


  • Have we helped you ...?


×
×
  • Create New...