Lowell and SAV Credit Limited *** SUCCESS ***

[gust]

and to update - no reply to prove payment letter to lowlife

 

 

and to add - i got ANOTHER robinson letter

 

"we refer to your recent comments. in view of your query, we have today removed your account from our files and returned your case to our client who will if appropriate deal direct with you in future.

 

our client has been made aware of the reason why your acc is being closed and returned to them.

Edited August 9, 2012 by gust

[Bazooka Boo]

Robbersway failed again.

[gust]

reply from lowlife

 

Sav checked records and "confirmed" that the limitation act would not apply due to payment being 2008 and they hold no note that suggests a dispute has been raised with SAV.

14 days or back to lowell fincrapcial for collection.

 

Lowell are being total tossers. I already told them i aint heard or even dealt with SAV.

 

I asked for proof of the phantom payment too which they have totally IGNORED and palmed the buck to SAV.

 

LOWELL OWN THIS DEBT i double checked on the first letter from them. SAV i still aint got a frikkin clue about and never dealth with in my whole life.

Edited August 18, 2012 by gust

[Bazooka Boo]

Ignore them, and lodge a formal complaint with the OFT & your local TS, it is absolutely pointless in conversing with children about adult issues.

 

I would also inform my local MP and just for the hell of it BBC Watchdog.

 

Seriously, if they want to take this to court, they would walk the walk, not talk the talk, besides IMO they would be committing fraud.

[gust]

I just emailed TS and OFT

 

will OFT deal with me as a sole consumer?

[Bazooka Boo]

No OFT do not deal with individual complaints, BUT, this will be added to the drawers of complaints others have made and they will question lowlifes when they apply for their new credit licence..

[gust]

Thanks. They will get my complaint very soon then! Im sick of these idiots harrassing me with idol threats, not proving its my debt and lying about phantom payment to counter stat b. Ico too???

[Halibutt]

There's a steadily mounting number of complaints against Lowell, so that should get the OFT to make some kind of investigation. They may not take much action, maybe a slap on the wrist, but as long as the complaints to OFT, MPs, BBC Watchdog continue, it will make life more difficult for Lowell, who really seem to carry on their business with complete disregard for guidelines.

 

Best of luck,

 

H. x

[gust]

my local trading standards made me file a complaint page on Citizens Advice webform - I have done that so far....

 

Lowell now are saying we are asking "your original creditor" for proof of payment - Total waste of time! They said SAV confirmed it last time... idiots... I have told them ENOUGH times I have never dealt with SAV Credit. zzzzz

[Halibutt]

In that case, take the advice given previously - ignore them until they can come up with proof of payment. The onus is on Lowell.

[gust]

cheers - and waiting....

[gust]

Cab complaint passed to trading standards and placed on database for all offices to see. Told to tell oft too

[gust]

i have complained about alot with this one - including phantom payment gag

 

would TS see this as something serious?

[gust]

hi

 

who is best to write to at lowell? i am lodging complaint as we speak

[gust]

complaint sent

 

RE - stat barred and phantom payment - told them i have reported them to ICO

 

told them to remove default as they are chasing a wrong account too.

 

will update

[gust]

my complaint has been handled by CAB - forwarded to trading standards.

 

Today i had a phone call off the OFT? first question was can i prove this is not my debt?

 

I wasnt made aware that OFT was involved and from the CAB reply they suggested I lodged this with OFT?

 

Would CAB or TS have just gone ahead and put the details to OFT?

 

thanks

[zydeco]

Today i had a phone call off the OFT? first question was can i prove this is not my debt?

Not your job to prove it isn't your debt, it's the numpties job to prove it is.

[Bazooka Boo]

I'd be very dubious about receiving a phone call off the OFT, considering they don't look into individual complaints I would be extremely cautious.

 

I would simply ask them to send their questions in writing, what number were they calling from?

[gust]

private number

[Bazooka Boo]

private number

 

Hm, methinks it was Lowlifes!

Tut Tut!

 

Another formal complaint to the OFT&TS, also your local MP, BBC Watchdog, local press/media, and now the ICO.

[gust]

update

 

TS contacted lowlifes and said prove the payment exists they claim I made. They deny it is stat barred but cant prove the payment exists so have as a "gesture of goodwill" closed the account and promised to remove the default

 

TS advised me to complain to the ICO but I will wait now to make sure it is removed.

 

 

As for compensation for damages to credit file, letters, etc any one had joy with that? How do you do that?

 

ty

[unclebulgaria67]

Nice to hear that TS do sometimes involve themselves. A bit naughty of Lowells as to how they behaved on this. I would suggest a written complaint to the compliance director at Lowells, asking for appropriate compensation or you will take the complaint further with the FOS. I think from memory Brig may have been awarded compensation for credit file errors.

[Wooks001]

Complain to FOS, they can award damages and you can claim for your time as well @ £18ph I think.

My case has been ongoing for a couple of months now, just awaiting an adjudicator to be available.

[gust]

Complain to FOS, they can award damages and you can claim for your time as well @ £18ph I think.

My case has been ongoing for a couple of months now, just awaiting an adjudicator to be available.

 

would FOS choose how much id get?

 

Is Brig still about? I'd like to ask him if he did it with FOS or not? ty

[Wooks001]

FOS award as they see fit. Max is £100k.