Capone/cabot v OH (disputed Acc)

[Desperate Daniella]

Sometimes I don't think they check anything - they just say they do.

 

 

This last waiting bit is awful. I have one account where they didn't default for months after the last payment. I really think there should be legal clarification on the six month start date for SB. NDL and Stepchange websites both say something different.

 

 

Hang on in there!

 

 

DD xx

[beachcomber60]

Well no letters from lowlife for a month, last one offered a discount of 75% .

 

However, my credit score has recently dropped, the only thing that has changed is that lowlife made an 'Administration Review' search.

 

According to Noddle, this search can be seen by third parties & can effect applications for credit.

 

BC

[keefyboy]

Lowells are such a stupid company, 3 years ago I had no choice but to go Bankrupt through a DRO (Debt Relief Order) which is where your debts are under £15k and you have no assets as such. The insolvency office accepted the application and that was that........a year in Bankruptcy and then cleared but the DRO stays on your credit file for 6 years. About a month after the DRO was accepted Lowells were sending me letters which at first I ignored, (none of the others sent anything) then they got to 2 a week so I telephoned the Insolvency Office and explained what was happening with Lowells, they asked me to send the letters to them and they would sort it out for me.... Only after the IO sent them a letter (I got a copy somewhere, but just moved house so you can imagine the chaos) and boy did they rip into Lowells and even threatened to take them to court as they were abusing their powers and god knows what else... I don't know why but the letters stopped after that...... seems Lowells are the worst of the lot wheb it comes to common sense.....

[Old Cogger]

Could you elaborate on "Common Sense"? as Lowells Staff maybe looking on here now, and cannot read a dictionary in able to see what you mean!

[keefyboy]

I fink they are peopl who actualli reed bits of paper that come in envi lopes and understand wot it means... and knot ignore official letters especially from the IO as dey cud lose their licens by actin ilegally........... O wunder hoe big therir turnover of staf is.... horrendous \i can imagine........lol

[beachcomber60]

as they have 'damaged' my credit score for two years with their 'Administration Review' search, am I correct in thinking that as C1 issued a DF notice & then sent a formal letter trrminating the alledged agreement then a DCA would need my permission to search my file ?