Lowell Group after me for debt from back in 2007 !!

[Mady]

well yes i did send it recorded and i have the postal order receipt but which of them letters should i send??

[dadofholly]

If it is definately over the 40 days - use template letter 3

[Mady]

I assume that you sent the SAR by Recorde Delivery and have printed off a receipt of delivery. If so, then you can claim the Account is in dispute, but you must report this to the ICO: Forward the Sars date and notice of receipt to [email protected]. uk along with a letter of complaint

 

Is there template for complaint letter?? sould they respond to the SAR within 40 calender days or 40 working days??????

please help

Edited February 20, 2011 by Mady

[Bazooka Boo]

It is 40 calender days in which they have to reply to a SAR.

If they fail to respond within that time, then send them a Letter Before Action (LBA) and give them a further 7 to 14 days in which to respond to the order or you will forward your complaint onto the ICO . If they are still so foolish as to not respond then make a formal complaint to the ICO.

 

There is no template as such, but keep it succinct and short,

 

Dear Sir/madam

 

On the dd/mm/yyyy I sent you a SAR, which you have failed to comply with in the statutory time period laid down.

I will therefore allow you a further 14 days in which to comply with my legal request for this information before escalating this to the ICO for their investigation and suitable fine.

[Mady]

Hi guys,

 

yesterday i received my SAR from T-Mobile but its was only copy of bills!! they didnt send any contarct....

 

Please advise me what to do next

 

attached is the cover letter

Edited February 26, 2011 by Mady

[FORMISTER]

Images are too small to read, you should make sure you allow for the time period to pass before assuming thats all they are going to send you

[maroondevo52]

Hi Mady.

 

There is a fundamental difference between enforcing your rights under the Consumer Credit Act, and doing the same with a mobile phone contract. A mobile phone contract does not provide credit, it is simply a service agreement, so a CCA claim to a network will be met with a reply stating that the arrangement is not regulated under the acts and they cannot assist you further.

 

Regards.

 

Scott.

[Mady]

i am trying to upload the letters but they keeps apearing little!!!! how can i upload them with their normal size

[unclebulgaria67]

What is your dispute with T-Mobile about or is that you could not afford to pay the bill they sent you ?

 

If you think you have valid reasons to enter into a dispute with T-Mobile, make a complaint using their official process. complaints process link here

 

If you can't afford to pay the bill, then come to arrangement to pay monthly at an amount you can afford. Or if you are not bothered about default on credit record, just ignore them and hope that they don't take this to court. Chances are that there are so many debts out there, that if you don't keep kicking up a fuss, the debt will continued to be chased with letters/phone calls, but with no other action. It is just a case of whether you can be bothered with the hassle. The debt should come off the credit record 6 years from the date you stopped paying, as long as you don't admit to the debt in writing and they don't get a CCJ.

[unclebulgaria67]

Try changing the image resolution. Is the problem that the resolution is set too high and it makes it small because it can't show it at the resolution choosen ? Just a theory as I am not a real techie.

[Mady]

[ATTACH=CONFIG]25392[/ATTACH][ATTACH=CONFIG]25393[/ATTACH]

 

 

 

here are the attachments hope they work

[unclebulgaria67]

No the attachments don't work.

[maroondevo52]

What is your dispute with T-Mobile about or is that you could not afford to pay the bill they sent you ?

 

 

An answer to that question would help.

[unclebulgaria67]

 

An answer to that question would help. ( What is your dispute with T-Mobile about or is that you could not afford to pay the bill they sent you ? )

 

I agree Mady needs to see whether there is reason to enter into a dispute with T-Mobile.

 

I think they are hoping someone spots something with the attachments they are trying to add, which might help with this. Clutching at straws ?

[Mady]

Guys is there another way to add attachments keeps coming up small!!!

[maroondevo52]

Hi, Mady.

 

Still too small to read, host photos at http://tinypic.com/ and then post a link.

[Mady]

http://tinypic.com/r/21nli1d/7

 

http://tinypic.com/r/6g9zr7/7

 

Here are the links for the letter i received in my sar

 

Do you guys think is ideal to make F&F offer??

[Mady]

Hi, Mady.

 

Still too small to read, host photos at http://tinypic.com/ and then post a link.

 

thanks mate

[unclebulgaria67]

You can try with an F&F, provided you are happy that the T-Mobile bills are correct and there is no reason to dispute the account. Just because they can't find the contract, does not mean that they would not succeed if they took it to court.

 

If Lowells have bought the debt and it is up to them what F&F is acceptable, then make an offer of say 25% of the amount due and be prepared to up this a bit if required.

 

Just send any F&F headed with 'without prejudice' and make it clear that you require the debt to be noted as satisfied in 'full'. Lowell will tell you that they will only note the debt as partially settled if they agreed to a reduced F&F. You will have to push this with them. Telll them that the F&F money is borrowed from a friend/relative and than any offer from yourself, would be at a low repayment level, due to your financial circumstances. Acceptance of the reduced F&F amount as full settlement would therefore be important in taking the matter forward.

[Mady]

You can try with an F&F, provided you are happy that the T-Mobile bills are correct and there is no reason to dispute the account. Just because they can't find the contract, does not mean that they would not succeed if they took it to court.

 

If Lowells have bought the debt and it is up to them what F&F is acceptable, then make an offer of say 25% of the amount due and be prepared to up this a bit if required.

 

Just send any F&F headed with 'without prejudice' and make it clear that you require the debt to be noted as satisfied in 'full'. Lowell will tell you that they will only note the debt as partially settled if they agreed to a reduced F&F. You will have to push this with them. Telll them that the F&F money is borrowed from a friend/relative and than any offer from yourself, would be at a low repayment level, due to your financial circumstances. Acceptance of the reduced F&F amount as full settlement would therefore be important in taking the matter forward.

 

Thanks mate i have sent them a letter with offer of 25% of the debt lets what happens !!

[Mady]

I went through some post here where Lowell were DCA but can't see them accepting any F&Fs!!! fingers crossed i sent them 1 yesterday..... anyone sent F&F to them and they accepted it??

[Mady]

Hi guys

 

I made F & F settlement of around 25% of my debt but it was rejected today, and instead they gave me options to repay the debt over 2, 3 or 4 years DD otherwise one off payment and get 15% discount ............. what should be my next step guys help plz

[rebel11]

Hi Mady

 

Have you requested a CCA? Any Penalty Charges? Have you been Mis-sold PPI?

[Mady]

I did request a SAR and got it already so i made the F&F settlement ...the debt is for phone bill

[Mady]

guys what about if i tell them "i am moving abroad for the next 5 years" ................or ........................." accept my offer or i am wont pay you" .........................????