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MandM

Ikano/newlook account sold to lowell

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My daughter has had this New look/Ikano card since 2006.

She defaulted on it around july 2008.

 

We have just received the SAR back from them and I am confused with the Agreement.

 

ikano.jpg

 

This came back with all the details blocked out with I think correction fluid.

The T&C's below were on the back.

 

ikanotc.jpg

 

There was also another copy of the agreement and a seperate page of T&C's

 

TCs2.jpg

 

Default Notice below.

 

ikanoDN.jpg

 

NewLookTermintion.jpg

 

I have noticed on the screenshot statements that she was paying arrears charges, but some of them were 2 in a month.

 

I will try and do something with the screenshot so I can put it up.

 

Could someone have a look at the above and let me know if everything looks right or is there something going on.

 

Mrs M

Edited by MandM

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ALL unsolicited PMs and E-mails should be posted up - Not all on CAG are who they appear to be

 

 

My views are my own. If in doubt, seek professional advice. If I can help though, I will. CAG helped me!!

 

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bump

 

Mrs M


________________________________________________________________

ALL unsolicited PMs and E-mails should be posted up - Not all on CAG are who they appear to be

 

 

My views are my own. If in doubt, seek professional advice. If I can help though, I will. CAG helped me!!

 

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Little Nudge

 

Mrs M :)


________________________________________________________________

ALL unsolicited PMs and E-mails should be posted up - Not all on CAG are who they appear to be

 

 

My views are my own. If in doubt, seek professional advice. If I can help though, I will. CAG helped me!!

 

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Slight push. ;)

 

Mrs M


________________________________________________________________

ALL unsolicited PMs and E-mails should be posted up - Not all on CAG are who they appear to be

 

 

My views are my own. If in doubt, seek professional advice. If I can help though, I will. CAG helped me!!

 

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The DN is defective at least by one day possibly three if it was posted second class. Dated 27th Aug + 2 days postal service + 14 days to remedy = 12th Sept.


Anthrax alert at debt collectors caused by box of doughnuts

 

Make sure you do not post anything which identifies you. Although we can remove certain things from the site unless it's done in a timely manner everything you post will appear in Google cache & we do not have any control over that.

 

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Thanks Cerberusalert.

 

Put this on the DN thread and pretty much the same opinion there

 

I would like some advice on the Agreement as Mr M thinks it looks dodgy.

He is not sure what the total charge for credit means. Is this something they do on store cards.

 

Mrs M


________________________________________________________________

ALL unsolicited PMs and E-mails should be posted up - Not all on CAG are who they appear to be

 

 

My views are my own. If in doubt, seek professional advice. If I can help though, I will. CAG helped me!!

 

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It says 'all fees & charges include insurance protection insurance' so you should be reclaiming that for a start. If they've blanked out all of your personal details in the signed document you should tell them that it does not satisfy your request because it does not give you the opportunity to determine whether it's been properly executed or not.


Anthrax alert at debt collectors caused by box of doughnuts

 

Make sure you do not post anything which identifies you. Although we can remove certain things from the site unless it's done in a timely manner everything you post will appear in Google cache & we do not have any control over that.

 

Vir prudens non contra ventum mingit

 

[sIGPIC][/sIGPIC]

17 Port & Maritime Regiment RCT

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Thanks Cerberus.

 

I am not sure if she was paying PPI on this card as the statements they have sent through are from screen shots and I can't make out what their abbreviations mean so I may have to ask.

On the agreement it says 'all fees & charges including insurance protection insurance' so that could just mean if you have PPI.

 

Will keep looking at that.

 

Mrs M


________________________________________________________________

ALL unsolicited PMs and E-mails should be posted up - Not all on CAG are who they appear to be

 

 

My views are my own. If in doubt, seek professional advice. If I can help though, I will. CAG helped me!!

 

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My daughter defaulted on this account in 2008. Got the usual threatening letters then came the DN.

 

ikano002.jpg

 

As usual my daughter ignored it had one doorstep visit told them to get lost.

 

They terminated the account October 2008

 

October 09 and Dec 09 got another couple of letters.

 

In Jan this year she got a letter before action from a company called advantis credit.

 

In March she did a SAR to ikano. All she got back was 2 identical Agreements with all the details blocked out and an ineligible t&c's. Not quite sure what the Total Charge For Credit (interest) means on the agreement.

 

Never got any statements or copies of any letters etc.

 

ikano001.jpg

 

Never really bothered with this one as it was only for a couple of hundred and realised the DN was pants.

 

Heard nothing more until a couple of days ago when they sent a letter saying they had sold the account to Lowells and included a letter from Lowells informing her that they had now bought the debt.

 

002-12.jpg

 

003-8.jpg

 

 

Should I do another SAR to Lowells now and see what comes back.

 

 

Mrs M


________________________________________________________________

ALL unsolicited PMs and E-mails should be posted up - Not all on CAG are who they appear to be

 

 

My views are my own. If in doubt, seek professional advice. If I can help though, I will. CAG helped me!!

 

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no i'd ignore them

or offer about £25 to settle it and remove the default

 

dx


please don't hit Quote...just type we know what we said earlier..

 

if everyone stopped blindly paying DCA's tomorrow

the biggest financial industry in the UK, DCA;s would collapse overnight.

 

 

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Thanks DX.

 

Mrs M :-)


________________________________________________________________

ALL unsolicited PMs and E-mails should be posted up - Not all on CAG are who they appear to be

 

 

My views are my own. If in doubt, seek professional advice. If I can help though, I will. CAG helped me!!

 

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