Jump to content


  • Tweets

  • Posts

    • Mrs Homer's squeaky friend has done it again, this time an overstay at Sainsbury's car park in Hornchurch Essex of 34 minutes over the allowed time of 2 hours   I tried to attach a scan but it keeps saying I can only upload 4.88 Mb whatever that means, I'm old and do not understand computers.   Date of the 'offence' 10th July   Date of the PCN 16th July   Date PCN received 18th July   No appeal or contact has been made with Horizon, Squeaky Friend does not have a Sainsburys receipt now.  
    • At least you got it over with.  Just wait for the court order to come so we can see what the judge has put,  but you will have to start making payments in line with his order from whatever date is on it.    
    • No direct answer for you I am afraid but their actions are surprising. Although banks can and do question unexpected large payments into bank accounts (large relative to what usually comes in) you wouldn't expect a payment from HMRC to be considered a suspicious transaction under money-laundering rules. And you've done the right thing, gone into branch with ID and proof of the source of the payment. Hopefully they will soon unfreeze your account.Sady in all banks local managers have virtually no say in what happens, it's all down to head office fraud and money laundering team.   Their suggestion that student accounts don't allow you to work is surely nonsense. The requirement in their t&c is that you must be on a full time course, not that you can't work as well. Their t&c say " You must be aged 18 or over and studying on a full-time UCAS registered course of two or more  years’ duration...". Nothing in the t&c about not being allowed to work as well, they made it up. It would be a strange student a/c that said you couldn't work ever - Nationwide must know  that most students need to take part-time/holiday jobs to pay their way through university (and have done for as long as student accounts have existed - at least 50 years!)
    • but no judgements yet..urm… think about it..
    • I could never thank you enough Ell-enn - And would never have been able to get through this without your help, support & guidance... Thank you so so much!   I found it all quite traumatic and distressing today - I managed to make myself look somewhat presentable for court and tried to stay as positive as I could, but had a pretty bad panic attack and broke down crying on the way to court, which melted my make-up and I felt very dizzy and unwell. The security staff were helpful and a lady appeared at desk in waiting room (usher I think) and told me that the rep for other side had been there all day, but had popped out for lunch. She said when he gets back he may want to talk to me. I felt like I was going to projectile vomit all over the waiting room. My head started pounding with a severe headache and I was worried I might pass out. He waltzed into the waiting room and stood towering over me at over 6 foot, but only looked about 12 years old.... Very cocky and stood too closely in my personal space. He told me to follow him into a private room for conference and I refused and told him I would prefer for the judge to decide.    Shortly after we were called into the judge. I don't recall his name but I don't think it was the same judge who issued the original possession order and he looked a little bit like Judge Rinder. I broke down crying again soon after sitting down and had to apologise to the judge, who seemed sympathetic. I felt so unwell, embarrassed and humiliated. I then had a panic attack during the hearing and was struggling to breathe - I must have looked such a state.    The judge asked what date the eviction was due to happen (Monday) and then asked me if I had any offers on the house yet and spoke to me briefly, but I could barely speak due to crying. He asked me about my expected return to work and I said I had suffered a nervous breakdown and wanted to be able to get back to work as soon as possible, that my GP had singed me off sick until mid-August and that I was currently on several medications which also affect my ability to work. He asked me if I wanted to say anything else and there was so much I felt I could have put across better, but just didn't feel able to and couldn't think clearly, so said no.   The judge said to the rep for Britannia that he felt concerned about this, but not sure exactly what he meant by that and then the other side stated they had clear instructions to take possession, that I had only paid them £10 and disagreed with my proposal to sell the property myself. The judge asked him if my offer of £50 towards arrears fell in line with Norgan case and the other side said yes. The rep stated that whatever it is I do for a living, my proposals could not be taken into account, as I had no proof or indication of my current income/expenditure.   The judge then came back to me and said he wouldn't be able to agree to more time for property to sell, but would have been able to do more if I had an offer in place / sale agreed. He asked me about my work and for a clearer indication of when I would be able to resume payments / pay a monthly amount towards the arrears. I said that I also had a spinal injury & had had surgery on my spine a few years ago and it was due to complications from that that I had initially been unable to work & fell into arrears and then went on to say that it was Britannias' actions that had caused my breakdown and he did snap at me a bit then and told me he didn't want to hear what Britannia had done, so I apologised. He asked me again when I thought I would be able to resume payments and I asked if September would be ok. I was shaking and having a pretty bad panic attack at that point.    The rep from other side then jumped in and said she needs to pay us straight away, and the judge then stated that he would make an order for me to make repayments from August and suspend the order on those terms. He said if I fell into difficulties again we would be back here again and said that they may be able to help me again if that happened. He asked if that was ok for me and I felt pressured to agree as I didn't feel able to do any other.... I am now now worried about my ability to do this, but obviously relieved at the same time. I think the rep for the other side was a bit p**sed off... He was quite ignorant and I feel traumatised...I feel sorry for the judge having to see me in state like that.   As soon as we had left the room the rep came right up behind me calling my name and told me he needed my updated phone number so that he could contact me. He looked a little bit psychopathic at that point and I told him I didn't want to speak to him and walked off.... I was so dazed I went in the wrong direction when I left the court building and it wasn't until I looked in mirror later that I realised I had tissue paper stuck all over my face from where I had been drying my tears... I HATE Britannia for making me go through that, especially under such poor health.... Which they have caused me!   Thank you again so much for all of your kind wishes and assistance - Especially Ell-enn, as without your help I would be facing Bailiff eviction next week - And still won't sleep until that time has passed.... xx         
  • Our picks

phatram

CO-OP OD all charges - and Loan to pay off OD...

style="text-align:center;"> Please note that this topic has not had any new posts for the last 359 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

This is the 4th or 5th DCA to have these accounts and all have returned them. What has changed to make these parasites think they can carry on?

Share this post


Link to post
Share on other sites

Persistence and bloody mindedness.


Any Letters I Draft are N0T approved by CAG and no personal liability is accepted.

Please Consider making a donation to keep this site running!

Nemo Mortalium Omnibus Horis Sapit: Animo et Fide:

Share this post


Link to post
Share on other sites

Moved to Debt Collection Industry forums as requested and the link for the ICO Technical Guidance on Defaults is below.

 

:)

 

 

[ATTACH=CONFIG]46311[/ATTACH]


Have we helped you ...?         Please Donate button to the Consumer Action Group

 

Uploading documents to CAG ** Instructions **

 

Looking for a draft letter? Use the CAG Library

Dealing with Customer Service Departments? - read the CAG Guide first

 

1: Making a PPI claim ? - Q & A's and spreadsheets for single premium policy -

HERE

2: Take back control of your finances -

Debt Diaries

3: Feel Bullied by Creditors or Debt Collectors?

Read Here

4: Staying Calm About Debt

Read Here

5: Forum rules - These have been updated -

Please Read

 

 

BCOBS

 

2: Does your Bank play fair - You can force your Bank to play Fair with you

3: Banking Conduct of Business Regulations - The Hidden Rules

4: BCOBS and Unfair Treatment - Common Examples of Banks Behaving Badly

5: Fair Treatment for Credit Card Holders and Borrowers - COBS

 

 

 

Advice & opinions given by citizenb are personal, are not endorsed by Consumer Action Group or Bank Action Group, and are offered informally, without prejudice & without liability. Your decisions and actions are your own, and should you be in any doubt, you are advised to seek the opinion of a qualified professional.

 

PLEASE DO NOT ASK ME TO GIVE ADVICE BY PM - IF YOU PROVIDE A LINK TO YOUR THREAD THEN I WILL BE HAPPY TO OFFER ADVICE THERE:D

Share this post


Link to post
Share on other sites

For anyone looking in these two accounts are now with Lowells.

Share this post


Link to post
Share on other sites

Have added that to the thread title, Phat :)


Have we helped you ...?         Please Donate button to the Consumer Action Group

 

Uploading documents to CAG ** Instructions **

 

Looking for a draft letter? Use the CAG Library

Dealing with Customer Service Departments? - read the CAG Guide first

 

1: Making a PPI claim ? - Q & A's and spreadsheets for single premium policy -

HERE

2: Take back control of your finances -

Debt Diaries

3: Feel Bullied by Creditors or Debt Collectors?

Read Here

4: Staying Calm About Debt

Read Here

5: Forum rules - These have been updated -

Please Read

 

 

BCOBS

 

2: Does your Bank play fair - You can force your Bank to play Fair with you

3: Banking Conduct of Business Regulations - The Hidden Rules

4: BCOBS and Unfair Treatment - Common Examples of Banks Behaving Badly

5: Fair Treatment for Credit Card Holders and Borrowers - COBS

 

 

 

Advice & opinions given by citizenb are personal, are not endorsed by Consumer Action Group or Bank Action Group, and are offered informally, without prejudice & without liability. Your decisions and actions are your own, and should you be in any doubt, you are advised to seek the opinion of a qualified professional.

 

PLEASE DO NOT ASK ME TO GIVE ADVICE BY PM - IF YOU PROVIDE A LINK TO YOUR THREAD THEN I WILL BE HAPPY TO OFFER ADVICE THERE:D

Share this post


Link to post
Share on other sites

Both letters dated the same day ?


Have we helped you ...?         Please Donate button to the Consumer Action Group

 

Uploading documents to CAG ** Instructions **

 

Looking for a draft letter? Use the CAG Library

Dealing with Customer Service Departments? - read the CAG Guide first

 

1: Making a PPI claim ? - Q & A's and spreadsheets for single premium policy -

HERE

2: Take back control of your finances -

Debt Diaries

3: Feel Bullied by Creditors or Debt Collectors?

Read Here

4: Staying Calm About Debt

Read Here

5: Forum rules - These have been updated -

Please Read

 

 

BCOBS

 

2: Does your Bank play fair - You can force your Bank to play Fair with you

3: Banking Conduct of Business Regulations - The Hidden Rules

4: BCOBS and Unfair Treatment - Common Examples of Banks Behaving Badly

5: Fair Treatment for Credit Card Holders and Borrowers - COBS

 

 

 

Advice & opinions given by citizenb are personal, are not endorsed by Consumer Action Group or Bank Action Group, and are offered informally, without prejudice & without liability. Your decisions and actions are your own, and should you be in any doubt, you are advised to seek the opinion of a qualified professional.

 

PLEASE DO NOT ASK ME TO GIVE ADVICE BY PM - IF YOU PROVIDE A LINK TO YOUR THREAD THEN I WILL BE HAPPY TO OFFER ADVICE THERE:D

Share this post


Link to post
Share on other sites

One letter relates to the O/D on the current account and the other to the loan account.

Share this post


Link to post
Share on other sites
One letter relates to the O/D on the current account and the other to the loan account.

 

Righto, well you need to bone up on Lowell - they have been issuing stat demands like confetti at a wedding.

 

If I recall, there are disputes on both these so you should advise Lowell of this.


Have we helped you ...?         Please Donate button to the Consumer Action Group

 

Uploading documents to CAG ** Instructions **

 

Looking for a draft letter? Use the CAG Library

Dealing with Customer Service Departments? - read the CAG Guide first

 

1: Making a PPI claim ? - Q & A's and spreadsheets for single premium policy -

HERE

2: Take back control of your finances -

Debt Diaries

3: Feel Bullied by Creditors or Debt Collectors?

Read Here

4: Staying Calm About Debt

Read Here

5: Forum rules - These have been updated -

Please Read

 

 

BCOBS

 

2: Does your Bank play fair - You can force your Bank to play Fair with you

3: Banking Conduct of Business Regulations - The Hidden Rules

4: BCOBS and Unfair Treatment - Common Examples of Banks Behaving Badly

5: Fair Treatment for Credit Card Holders and Borrowers - COBS

 

 

 

Advice & opinions given by citizenb are personal, are not endorsed by Consumer Action Group or Bank Action Group, and are offered informally, without prejudice & without liability. Your decisions and actions are your own, and should you be in any doubt, you are advised to seek the opinion of a qualified professional.

 

PLEASE DO NOT ASK ME TO GIVE ADVICE BY PM - IF YOU PROVIDE A LINK TO YOUR THREAD THEN I WILL BE HAPPY TO OFFER ADVICE THERE:D

Share this post


Link to post
Share on other sites

Told them numerous times but they take no notice. I'm fed up of this bullying and I'm seriously considering billing and turning it onto them .

Share this post


Link to post
Share on other sites

The current account O/D contains charges going back from December 1999 to May 2007 so how can they claim I owe those, surely they are SB?

Share this post


Link to post
Share on other sites
The current account O/D contains charges going back from December 1999 to May 2007 so how can they claim I owe those, surely they are SB?

 

If you have not made any payments towards this overdrawn account, it should be statute barred by now. You really need to get in touch with the bank concerned to find out when they entered the account into default. This should have been within a couple of months of you not paying.

 

Is this debt still on your credit record ? If it is not, then this may be an indicated it is SB'd.

 

Because of the way Lowells behave, you would probably be best to approach the bank concerned to get the information you need about statute barring. i.e when you actually paid any money to the account and when they defaulted the account. Ask them about their terms and conditions on the account at the time, about when they would consider the account to be in defaulted status.


We could do with some help from you.

PLEASE HELP US TO KEEP THIS SITE RUNNING EVERY POUND DONATED WILL HELP US TO KEEP HELPING OTHERS

 

 Have we helped you ...?         Please Donate button to the Consumer Action Group

 

If you want advice on your thread please PM me a link to your thread

Share this post


Link to post
Share on other sites

Thanks. As these accounts should not have been passed to them should I be asking anything of Lowells? Have they bought the alleged debts? Do they need to prove to me they are legally entitled to ask for this money etc ?

Share this post


Link to post
Share on other sites

Were you informed by the creditor and/or Lowell that the account had been sold?


Any Letters I Draft are N0T approved by CAG and no personal liability is accepted.

Please Consider making a donation to keep this site running!

Nemo Mortalium Omnibus Horis Sapit: Animo et Fide:

Share this post


Link to post
Share on other sites

I think I had a letter from Lowell but nothing from CO-OP.

Share this post


Link to post
Share on other sites
Thanks. As these accounts should not have been passed to them should I be asking anything of Lowells? Have they bought the alleged debts? Do they need to prove to me they are legally entitled to ask for this money etc ?

 

I don't think you should trust Lowells with any information. They are there purely to collect on the debt and may not have much info on file. It would be safer to find out info from the original creditor.


We could do with some help from you.

PLEASE HELP US TO KEEP THIS SITE RUNNING EVERY POUND DONATED WILL HELP US TO KEEP HELPING OTHERS

 

 Have we helped you ...?         Please Donate button to the Consumer Action Group

 

If you want advice on your thread please PM me a link to your thread

Share this post


Link to post
Share on other sites

An NOA can come from both the creditor and or the DCA.

The likelihood that a DCA would be chasing the debt with out it being sold or assigned to them is remote if not impossible.


Any Letters I Draft are N0T approved by CAG and no personal liability is accepted.

Please Consider making a donation to keep this site running!

Nemo Mortalium Omnibus Horis Sapit: Animo et Fide:

Share this post


Link to post
Share on other sites

So, what should I be doing next?

 

I'm going to write pointing out the ICO default stuff and I'm going to SAR the Coop for the loan account.

 

'll be asking for transcript of phone calls for the selling of the loan which WAS sold to me to in part consolidate an O/D made up of charges and interest on those charges.

 

I do not believe I have been treated fairly, is there any BCOBS stuff I can quote?

 

I've just found a connection between Cohens and Lowells.

 

A few years ago Cohens returned these accounts to the Coop and apologised to me for all the hassle !

 

I ACKNOWLEDGE NO DEBT TO YOURCOMPANY

 

Thankyou for your letters dated 12 September 2013, the contents of which have been noted.

 

I have been advised to inform you of the following;

 

The Co-operative Bank has failed to follow ICO guidelines on defaults and has treated me unfairly

 

I will repeat once again that these accounts are in serious dispute with the Cooperative Bank for reasons known to them. Due to your unwillingness to believe me, you leave me with no option but to take matters further. I will now SAR the bank to obtain the information I require to enable me to do this.

 

Yours sincerely

 

Anything else I should add?

 

Should I be asking anything of Lowells?

Share this post


Link to post
Share on other sites
Should I be asking anything of Lowells?

 

What do you want to ask them ? Confirmation in writing that they note your dispute with the Coop. That would make sense, as you then have it in writing that Lowells confirm that they have your letter advising of a dispute.

 

In your letter to Lowells, I think you should provide some basic information about your dispute with the Coop.


We could do with some help from you.

PLEASE HELP US TO KEEP THIS SITE RUNNING EVERY POUND DONATED WILL HELP US TO KEEP HELPING OTHERS

 

 Have we helped you ...?         Please Donate button to the Consumer Action Group

 

If you want advice on your thread please PM me a link to your thread

Share this post


Link to post
Share on other sites
I ACKNOWLEDGE NO DEBT TO YOURCOMPANY

 

 

Thankyou for your letters dated 12 September 2013, the contents of which have been noted.

 

 

 

I have been advised to inform you of the following;

 

 

 

The Co-operative Bank has failed to follow ICO guidelines on defaults and has treated me unfairly

 

 

 

I will repeat once again that these accounts are in serious dispute with the Cooperative Bank for reasons known to them. Due to your unwillingness to believe me, you leave me with no option but to take matters further. I will now SAR the bank to obtain the information I require to enable me to do this.

 

 

 

 

Yours sincerely

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

Anything else I should add?

 

I would point out to them that this 'matter' had in the past been sent back to the creditor by Cohen and that Cohen had apologised for making contact in regard to this matter, you should send a copy of that letter to:

 

Private & Confidential.

Ms Sarah de Tute

Director of Legal & Compliance

The Lowell Group

Enterprise House

1 Apex View

Leeds

LS11 9BH


Any Letters I Draft are N0T approved by CAG and no personal liability is accepted.

Please Consider making a donation to keep this site running!

Nemo Mortalium Omnibus Horis Sapit: Animo et Fide:

Share this post


Link to post
Share on other sites

Thanks

 

Sent letter recorded delivery, will post reply when it arrives.

Share this post


Link to post
Share on other sites

LOWELLS4NOV2013_zpsc3428d90.jpg

 

Confused.com :???::???::???: Not long ago they were threatening to take me to court for this none existent current account debt.

 

What should I put in a SAR if I require a copy of what was said in phone calls concerning the setting up of a consolidation loan to pay off an OD made up of bank charges and interest?

Share this post


Link to post
Share on other sites

  • Recently Browsing   0 Caggers

    No registered users viewing this page.


  • Have we helped you ...?


×
×
  • Create New...