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      Lowell/Shoes SPC Claim Forfar Sheriff Court - Old Newday Credit Card.

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      Doc 04-19-2024 11-01-51-merged-compressed.pdf good morning.    9 pages attached.    thank you  UCM
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      Hi I was being supplied my ovo after unknowingly being swapped from SSE.  My issues began when we had a smart meter fitted and our bills almost doubled overnight - we at the time assumed we were just paying not enough until then and just continued to pay the excess bills each. Month.    I would from time to time contact ovo and get faced with a call centre on South Africa of the most rude agents who would just hang up after hours of wait and I could not even get an acknowledgement of an issue with my meter.  At one point we were not in the property for like 4 months and the bills were coming just as high!  It was at this point I was sure something is not right and ovo only care to send bailiffs and started threatening us with a pay as you go meter despite me taking out a 3.5k loan to pay of my outstanding balance.  Around 1600 each on both gas and electricity.  This is where its gets really bad -  the very same day they sent me out a new bill saying the money paid already was only to cover up until the November previous and because its now Feb we owe another 1k.   By that August this had risen to over 3k and I still couldn't get anyone to even acknowledge a fault let alone fix it.    In despair I tried to swap suppliers and to my surprise octopus accepted us because even tho the debt is owed we are trying deal with.  During our time with them the bill was coming only on my wife's name as I was responsible for other bills and she this one - now that we owe them 3k they have magically started adding my name as well as my wife's to the same debt to apply double pressure and its showing on my experiwn report now with a question mark and 2700 showing in grey -  This was my wife's debt which we dispute we owe yet the have now sent me letter with both our names on from oriel and past due credit debt agencies - is this illegal and how can I get them to take my. Name of this and leave on wife's name as its so unfair they give us a both a defualt for wife's debt which we dispute anyway.    In the end about 3 weeks ago I wrote an email to their ceo and rishi sunak and low and behold for the first time in our history with ovo someone who spoke English contacted us and said she will look into our claim.    I explained to her that we feel our meter is faulty and despite me contacting them using WhatsApp email and phone I still have not got anyone to acknowledge a fault even. And that I dispute I Owe anything as my son was in hospital for 3 months and we stayed with him so house was empty and still. They were sending us super sized bills more than when we started at home.  She promised to investigate and a few days later replied that she is sorry for the poor customer service and offered us £50 compensation - however she also. Mentioned that she's attached statements for us confirming the payment for 3k I made was only up until Nov and in Feb despite me pay 3.5k nearly it's correct for them to bill. Me. Another £900 the very same day and she did not agree our meter was faulty and therfore the debt stands and she will not be calling it bcak from past due credit.  During my time with my new supplier post ovo, octopus I requested tehy check my. Meters because I felt they were faulty and over charging me and I got excellent response asking me for further details which I supplied and I got a. Response bcak within days to say my meter was indeed faulty and octopus have now remotely repaired it.   I then contacted the energy ombudsman and explained my situation how she at ovo tried to fob me off and demand I apy money we don't feel we owe due to faulty equipment we reported but ovo had to process or mechanism to deal with it or lodge complaint even without having to cc their ceo and our pm. And now I feel sick to think both husband and wife will get a 6  year default for debt which have a validity of a questionable nature.    I explained all this to the energy ombudsman and they accepted my case and I explained to them that my new supplier found my fault which ovo refueed to accept - I've uploaded the email from new supplier to ombudsman showing we had a fault.    My. Question is is there anything I can upload in defence of my case to ombudsman before they decide outcome ina few weeks    All advice greatly appreciated not only would I like advice on how to clear this debt but also how I can pursue ovo for compensation and deterrence for the future.  Thansk 
    • Johnny1 leg
      2010 Loan Debt from Dubai bank last paid 2009 and IDR letters by Email

      By Johnny1 leg · Posted

      Thanks for the reply dubai 50 - if the statute is 10 years it has long passed - if it is 15 years i havea few months left. i shall ignore until it gets serious  An update - - I sent the letter to the bank in Dubai ( I did get delivery confirmation from Royal Mail)   - I have moved to a new address ( this is the address i gave to the bank in dubai)  - IDR are continuing to send Letters to the old address, which leads me to believe they are not in contact with the bank at all. - i have not replied to any correspondence digital or hard as they are non threatening ( as of yet).        
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      Your topic title was altered last June 23 by the owner of this forum in the interests of the forum Anyway well done on your result and concluding your topic, title updated.   Andy   .
    • AndyOrch
      Licensed breeder Puppy farm & genetically sick pups.***Settled***

      By AndyOrch · Posted

      So what    Why ? Consent Order/ Confidentiality ? This would be be invaluable to followers of your topic.  

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      We have finally managed to obtain the transcript of this case.

      The judge's reasoning is very useful and will certainly be helpful in any other cases relating to third-party rights where the customer has contracted with the courier company by using a broker.
      This is generally speaking the problem with using PackLink who are domiciled in Spain and very conveniently out of reach of the British justice system.

      Frankly I don't think that is any accident.

      One of the points that the judge made was that the customers contract with the broker specifically refers to the courier – and it is clear that the courier knows that they are acting for a third party. There is no need to name the third party. They just have to be recognisably part of a class of person – such as a sender or a recipient of the parcel.

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      It would be very nice if the parcel delivery companies – including EVRi – practised this kind of thing as well.

       

      OT APPROVED, 365MC637, FAROOQ, EVRi, 12.07.23 (BRENT) - J v4.pdf
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Parcel delivery insurance is prohibited under section 57 – Consumer Rights Act – Read about It Here and in The Times.

Lowell Financial

lou-lou-68
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Bookworm

Bookworm

Posted
Posted
Well thanks for that each.

 

Have to say that if I find info on here and others are looking for it, I strive to find the link and post it for ease.

 

Feel as though I have been put down by much more experienced people for just asking a question.

 

Dummies guide ......... here I come! :-o

I hope you don't mean us Dotty, because that wasn't the intention!

 

I just find it a lot easier to point to the guide than explaining it all over again every time (which is why I wrote the guide in the 1st place, believe you me, you are not the 1st, nor won't be the last, to ask that or other questions... The site isn't the easiest to navigate), as for t'other one, I don't think he meant to be sarcastic, I think he may just have worked out how to multi-quote at last! :lol: :lol: :lol:

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angry cat

angry cat

Posted
Posted
Yes, I know. :rolleyes: But as I said, as this isn't HIS/HER origianl thread, then I suggest the place it to keep it on track would be on HIS/HER original thread and therefore your little admonition is also off-track in that respect. Savvy?

 

In other words: This thread has now gone so OT and all over the place that of anyone wants to have an on-topic convo about what they're up to, their thread is really where that info should be. No disrespect to the poster of #186 intended, incidentally. ;-)

 

This thread is about: Lowell Financial, therefore if a member (post #186) has concerns with that particular firm, why should they not post up their experience?

My caution, is just keep on track.

 

Advice: cut out the sarcasm.

 

There are many members on CAG, whose live's have been torn apart by 'unfair' pursual by the Lowell Group.

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Bookworm

Bookworm

Posted
Posted (edited)
This thread is about: Lowell Financial, therefore if a member (post #186) has concerns with that particular firm, why should they not post up their experience?
I refer you to the forum rules and advice. Look it up.

Edit: since I was there - "1.9 Hijacking: Please don't hijack someone else's thread, no matter how closely their story resembles yours. Start a thread specific to your case - that way it is easier for people to keep track of, and thus offer you better help." (my bold) http://www.consumeractiongroup.co.uk/forum/forum-rules-please-read/9-forum-rules-please-read.html

 

My caution, is just keep on track.
My reply is: not on this thread, it's far too late for that.

 

Advice: cut out the sarcasm.
Advice: Butt out and it won't be an issue.

 

There are many members on CAG, whose live's have been torn apart by 'unfair' pursual by the Lowell Group.
Really? well, blow me, I never knew that. Thanks for letting me know. Wow. To think I might have missed that.

 

Tip: Yeah, that's sarcasm too. As long as you do sanctimonious, I'm afraid that's what you'll get back. ;-)

Edited by Bookworm
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enamae

enamae

Posted
Posted
Still looking for the Dummies guide!

 

Still looking for the Dummies guide!

 

:Cry:

:D

 

 

 

http://www.consumeractiongroup.co.uk/forum/welcome-consumer-forums/107001-how-do-i-dummies.html

 

 

enamae

Please note: I have no qualifications in this area and any advice offered is given in good faith.

 

 

http://www.financial-ombudsman.org.uk/publications/Ombudsman-news/40/40_setoff.htm

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angry cat

angry cat

Posted
Posted

 

My reply is: not on this thread, it's far too late for that.

 

Advice: Butt out and it won't be an issue.

 

Really? well, blow me, I never knew that. Thanks for letting me know. Wow. To think I might have missed that.

 

Tip: Yeah, that's sarcasm too. As long as you do sanctimonious, I'm afraid that's what you'll get back. ;-)

 

Nice!

and all on the world wide web...

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Dotty50

Dotty50

Posted
Posted

Ok still here!....... curiosity etc!

 

No disrespect to anyone on here but I just feel that there seems to be a bit of oneupmanship and if I had come across this when originally finding Cag it would have put me off completely.

 

We are all here for the same reason aren't we?

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angry cat

angry cat

Posted
Posted
I know. Terrible. Oh, the shame. :rolleyes:

 

Once again:

 

Tip: Yeah, that's sarcasm too. As long as you do sanctimonious, I'm afraid that's what you'll get back.

 

I think that you need to take a long hard look at youself, darling...

Bookworm: Sarcastic, Sanctimonous, Tetchy and Argumentative!

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angry cat

angry cat

Posted
Posted
Ok still here!....... curiosity etc!

 

No disrespect to anyone on here but I just feel that there seems to be a bit of oneupmanship and if I had come across this when originally finding Cag it would have put me off completely.

 

We are all here for the same reason aren't we?

 

Yes we are, Dotty!

 

Let us get this tread back on track and don't worry about the multi quotes for now;

your own wordings are fine.

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angry cat

angry cat

Posted
Posted
Meanwhile, whilst AC recovers from her shock and dismay :rolleyes:, in the real CAG world, has anyone heard any more from James & Co? Or was this just the flash in the pan one suspected?

 

Please, cut out the sarcasm!

 

James, as you well know was a non de plume;

James does not exist.

 

If you wish to know as to whether Lowell CRT have posted again, check their statistics.

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Bookworm

Bookworm

Posted
Posted
Ok still here!....... curiosity etc!

 

No disrespect to anyone on here but I just feel that there seems to be a bit of oneupmanship and if I had come across this when originally finding Cag it would have put me off completely.

 

We are all here for the same reason aren't we?

supposedly, yes.

 

Unfortunately, as often, there are some people who can not dissociate terribly well. AC's animosity, I'm sorry to say, goes back to a thread in the Bear Garden in which I had the temerity of being leftist, atheist, anti-royalist, anti-thatcherite, Tory-detesting and other things cherished by her, and this is but a potshot racking up old embers. As you can see, she very quickly goes down to plain insults when she can't think of anything else to reply. You get used to it after a while, water of a duck's back as far as I am concerned. ;-)

 

Don't let it worry you, m'dear, remember that in the end, once you close the computer, these people don't exist, real life does. If you need help on your threads, people will help, regardless of their own petty squabbles, and that's the important thing.

 

Think of it of as an extended, huge dysfunctional family gathering at xmas and you'll get the idea. :-D

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Bookworm

Bookworm

Posted
Posted
Ok I will stay for now.

 

But await my multi quotes! ;)

sorry, I had logged off for the night then remembered something: at the time, multi-quotes, really meant "multi", then the software was updated and "multi" became "2" and no more. I haven't checked recently, but remember that you may not be able to multi-quote more than 2 quotes in each post.

 

 

 

 

 

(Begging her Ladyship's pardon for going off on a tangent again)

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MARTIN3030

MARTIN3030

Posted
Posted (edited)

Well folks-the last post from the OP on this came back on the 8th.July.

I quote

 

" Re: Lowell Financial Thank you all so much for your replies, they are a great help.

I think I will send them another letter using the templates on here as a guide, as they don't actually fit my circumstances I will just use relevant points such as OFT guidelines etc, do you think that would be the best thing to do?, I don't really want to answer that post on here from their complaints dept as I doubt that people who work for different depts of the same firm can be helpful, in fact it makes me feel uneasy that one of that lot has been reading my post.

Thanks again, Lou"

 

 

Now for reasons best known to them-(although I think its fair to say,reasons which people will differ to have opinions on)

 

There does not appear to be more forthcoming from the OP on this thread.

 

Most (if not all) of those with their own opinions have expressed them,and its unfortunate that there WAS instances where some posts and comments fell foul of good order and site rules and were seen to be inappropriate to remain.This has been explained tirelessly so I wont dwell on that.

The thread has run its course.

 

Of course theres still questions,still concerns,still conspiracy theories and still paranoia.....but there are those who will never be convinced of CAGS transparicy in dealing with this-and sadly there does not appear to be the evidence which may have helped us to show that-because those users invited to engage have been frightened off from doing so.

 

If the CAG is to be taken seriously by those tasked with regulating the industry,and seeking representation to be a player in future proposals then it makes sense that we should be taking steps to make that a reality.

None of those to my knowledge invove some of those misguided actions we have seen posted of late.

 

 

Thanks for input-thread now closed.

 

 

Edit-If the OP does want to update or request further help,then of course we would like to assist and hear of any progress.

I hope they feel minded to do that,and the intro posts can be incorporated into a new thread.

Edited by MARTIN3030

Have a happy and prosperous 2013 by avoiiding Payday loans. If you are sent a private message directing you for advice or support with your issues to another website,this is your choice.Before you decide,consider the users here who have already offered help and support.

Advice offered by Martin3030 is not supported by any legal training or qualification.Members are advised to use the services of fully insured legal professionals when needed.

 

 

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