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    • Firstly, I would like to thank everyone for their help in this matter. Since my last post I have received a reply from Plymouth Council Insurance Team concerning my wife’s accident (please see enclosed letter and photo of the offending Badminton post) which they deny any responsibility for the said accident. I feel that the Council is in breach of their statutory duties under the following acts: The Leisure Centre was negligent in its duty of care and therefore, in breach of the statutory duty owed under section 2 of the Occupiers’ Liability Act 1957. Health and Safety at Work Act 1974 (the Act) to ensure, so far as is reasonably practicable, the health, safety and welfare at work of all their employees, and others who might be affected by its undertaking, e.g. members of the public visiting the Leisure Centre to use the facilities. The Management of Health and Safety at Work Regulations 1999 that requires employers to assess risks (including slip and trip risks) and, where necessary, take action to address them. The Provision and Use of Work Equipment Regulations (PUWER) require the risk to people’s health and safety from equipment that is used at a Leisure Centre be prevented or controlled. I would like some advice to see if my assumptions are correct and my approach to obtaining satisfactory outcome to this matter are accurate. Many thanks   PLM23000150 - Copy Correspondence.pdf post docx.docx
    • Talking to them does not reset the time limit, although they will probably tell you it does, they'd be lying. Dumbdales are the in-house sols for Lowlife, just the next desk along. If Lowlifes were corresponding with you at your current address then Dumbdales know your address. However, knowing that they are lower than a snake's belly, you would be well advised to send them a letter, informing them of your current address and nothing else. Get 'proof of posting' which is free from the PO counter, don't sign it, simply type your name. That way then they have absolutely no excuse for attempting a back door CCJ.   P.S. Best course of action, IGNORE them, until or unless you get a claim form......you won't.
    • A 'signed for' Letter of Claim has been sent today so they have 14 days from tomorrow... Lets wait and see what happens but i suspect judging by their attitude they wont reply 
    • I am extremely apprehensive about burning our files.... I do not know why, so it is becoming an endless feedback loop. Scared to pull the trigger to speak in the desire not to mess up my file. 
    • Hi All, So brief outline. I have Natwest CC debt £8k last payment i made was 7th November 2018 Not a penny since. So coming up to the 6 year mark. Can't remember when i took out the  credit card would be a few years before everythign hit the fan. Moved house 2020 - updated NatWest as I still have a current account with them. Then Lowells took over from Moorcroft and were writing to me at my current address. I did get a family member to speak to them 3 years ago regarding the debt explained although it may be in my name I didn't rack it up then went contact again. 29th may received an email from overdales saying they were now managing the debt. I have not had any letter yet which i thought is odd?  Couple of questions 1. Does my family member speaking to lowell restart statute barred clock? 2. Do you think overdales aren't writing to me because they will back door CCJ to old address even though Lowells have contacted me at current address never at previous? ( have no proof though stupidly binned all letters  ) Should I write to them and confirm my address just incase? Does this restart statute barred clock? 3. what do you think best course of action is?   Any help/advice is appreciated I am aware they may ramp up the process now due to 7th December being the 6 year mark.   Many Thanks in advance! The threads on here have been super helpful to read.  
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Lowell Group after me for debt from back in 2007 !!


Mady
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Posted Images

scan the required letters/agreements/sheets - as a picture[jpg] file

don't forget you can use a mobile phone or a digital camera too!!

'

BUT......

ENSURE: remove all pers info inc. barcodes etc using paint program

but leave all figures and dates. {DO NOT USE A BIRO OR PEN]

convert existing PC files to PDF [office has an installable print to PDF option]

..

goto one of the many free online pdf converter websites [http://docupub.com/pdfconvert/]

it would be better to upload a multipage pdf if

you have many images too rather than many single pdfs

.

or if you have PDF as an installed printer drive use that

or use word and save as pdf

try and logically name your file so people know what it is.

i'e Default notice dd-mm-yyyy

.

open a new msg box here

hit go advanced below the msg box

hit manage attachments below that box

hit the add files button on the top right

hit select files, navigate to your file on your pc

hit upload files

.

dx

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

DCA's view debtors as suckers, marks and mugs

NO DCA has ANY legal powers whatsoever on ANY debt no matter what it's Type

and they

are NOT and can NEVER  be BAILIFFS. even if a debt has been to court..

If everyone stopped blindly paying DCA's Tomorrow, their industry would collapse overnight... 

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[ATTACH=CONFIG]40030[/ATTACH]

 

I could just about read the image. It appears that there was an account problem between December 06 and March 07. For whatever reason T-Mobile had not closed down your phone properly and you were still able to use it up to the date it was terminated. In March 07 you paid the relevant amount that was due, but then incurred more call charges after this date during your trip to Trinidad.

 

You need to check for sure when your last date of payment was. Did you make any payment to Lowells during 2007, which you have forgotten about ?

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

 

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Hey,

 

unfortunately I don't have access a scanner at the mo, I am 100% last payment made to T-Mobile was in March 2007 & I never paid Lowell a penny 1000000%.

 

now how do i dispute the default date with Lowell would they ask for proof? if so how do i prove that the default should be from March 2007 and NOT December 2007?

 

Many thanks

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as suggested in the post a pdf text

 

use a mobile phone?

dx

 

 

 

dx

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

DCA's view debtors as suckers, marks and mugs

NO DCA has ANY legal powers whatsoever on ANY debt no matter what it's Type

and they

are NOT and can NEVER  be BAILIFFS. even if a debt has been to court..

If everyone stopped blindly paying DCA's Tomorrow, their industry would collapse overnight... 

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Share on other sites

  • 4 weeks later...

I think you should be taking up a complaint with T-Mobile. According to your linked document they were sending you a final bill. Ask for a copy of this. The default will be the 30 days or whatever time period, in which you failed to make payment. The default should be end of January 07 at the latest. T-Mobile will be able to confirm.

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

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I think you should be taking up a complaint with T-Mobile. According to your linked document they were sending you a final bill. Ask for a copy of this. The default will be the 30 days or whatever time period, in which you failed to make payment. The default should be end of January 07 at the latest. T-Mobile will be able to confirm.

 

Forget the events in 2006 as I had 2 lines and I canceled one of them end of 2006, the 2007 are for my 2nd line which I had at that time! last payment was March 2007 and I never paid Lowell so I take it as the default date should be from the date I missed the payment due which is April 2007... am i correct? but Lowell didn't default me until December 2007! more than 6 months from the date!

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Forget the events in 2006 as I had 2 lines and I canceled one of them end of 2006, the 2007 are for my 2nd line which I had at that time! last payment was March 2007 and I never paid Lowell so I take it as the default date should be from the date I missed the payment due which is April 2007... am i correct? but Lowell didn't default me until December 2007! more than 6 months from the date!

 

Yes, the default date will be the date you failed to make the due payment.

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

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You need to make a formal complaint yo the DATA CONTROLLER at T Moblie and place a notice of dispute on the credit files, if Lowell have made an form of entry on the files the same process is needed.

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:

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You need to make a formal complaint yo the DATA CONTROLLER at T Moblie and place a notice of dispute on the credit files, if Lowell have made an form of entry on the files the same process is needed.

 

is there a template letter on here to send to DATA CONTROLLER?

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thanks for your help

If you think there is any more information that would be helpful please let me know.

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:

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Ok, This letter goes to the Data Controller at TMobile send by recorded delivery and check receipt.

Please enclose a copy of any screen prints of your credit files with the letter a copy can be sent to Lowell as well.

 

Ref: account number. xxxxxxxxxxxxxxx

 

FORMAL COMPLAINT.

 

Sir,

 

I have for some considerable time been attempting to resolve the reporting of this account on credit reference files held by xxxxxx and xxxxxx credit refence agencies as a defaulted account, it was agreed on xx xx xxxx that all disputed entries would be removed from my credit files.

 

having accomplished this I rechecked my credit files to find that the entries had been replaced. as you are aware the Lowell Group of debt collection agencies were involved with this account and it is unclear which company replaced the entries, you must also be aware that this account is now statute barred so any such entries are pointless.

 

Such derogatory information being published by credit reference agencies is of course affecting my ability to obtain credit a situation that I hold T Mobile totally responsible for, enclosed are copies of the credit reference file entries.

 

I now require T Mobile to remove ALL adverse data from ALL credit reference agency files with immediate effect and you will confirm compliance with this instruction inwritting.

 

I have been advised that T Mobile should consider making financial redress for the stress, time and work expended in trying to correct your companys errors, this should also include a sum for the publication of the adverse data and the effects on my credit profile.

 

I am preparing a report for the Information commissioners office and will delay this so that I may include your response to my complaint.

 

Now I hope I've got the above right, so please let me know if it needs amending.

 

Brig.

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:

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Ok, This letter goes to the Data Controller at TMobile send by recorded delivery and check receipt.

Please enclose a copy of any screen prints of your credit files with the letter a copy can be sent to Lowell as well.

 

Ref: account number. xxxxxxxxxxxxxxx

 

FORMAL COMPLAINT.

 

Sir,

 

I have for some considerable time been attempting to resolve the reporting of this account on credit reference files held by xxxxxx and xxxxxx credit refence agencies as a defaulted account, it was agreed on xx xx xxxx that all disputed entries would be removed from my credit files.

 

having accomplished this I rechecked my credit files to find that the entries had been replaced. as you are aware the Lowell Group of debt collection agencies were involved with this account and it is unclear which company replaced the entries, you must also be aware that this account is now statute barred so any such entries are pointless.

 

Such derogatory information being published by credit reference agencies is of course affecting my ability to obtain credit a situation that I hold T Mobile totally responsible for, enclosed are copies of the credit reference file entries.

 

I now require T Mobile to remove ALL adverse data from ALL credit reference agency files with immediate effect and you will confirm compliance with this instruction inwritting.

 

I have been advised that T Mobile should consider making financial redress for the stress, time and work expended in trying to correct your companys errors, this should also include a sum for the publication of the adverse data and the effects on my credit profile.

 

I am preparing a report for the Information commissioners office and will delay this so that I may include your response to my complaint.

 

Now I hope I've got the above right, so please let me know if it needs amending.

 

Brig.

 

Thank you so much for the letter, However its was Lowell who post the default on my Credit account not T-mobile!!

 

Kindly let me know.

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no it wasnt

 

it was the OC [t mobile]

 

lowlifes name would have been put against the default when they brought it.

 

IMHO i would do NOTHING

 

this will be SB's in april [6yrs from last payment]

 

if you take the default date [dec 07]

on its 6th birthday the account will vanish from your CRA file.

 

forget it.

dx

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

DCA's view debtors as suckers, marks and mugs

NO DCA has ANY legal powers whatsoever on ANY debt no matter what it's Type

and they

are NOT and can NEVER  be BAILIFFS. even if a debt has been to court..

If everyone stopped blindly paying DCA's Tomorrow, their industry would collapse overnight... 

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Dx is right, I should have pointed out that, it is of course your decision alone to send the letter or not.

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:

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I want it off my credit reference ASAP so I can build on my credit scoring as I am planing to get mortgage by end of this year.... I cant believe it I can't even get Capital one 10000% APR!!!

 

This is one debt and will never ever happen again I cant wait to get out of my credit reference...

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in the time scale available you can do very little.

 

the ONLY way would be to offer payment on the strict condition the CRA file is marked as SETLLED [not partial settlement]

and ALL neg data is removed.

 

IMHO thats a waste of money..you dont owe anything.

 

your 'other' credit stuff will be rebuilding your rating and will go up when this debt drops off is dec or p'haps earlier.

 

dx

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

DCA's view debtors as suckers, marks and mugs

NO DCA has ANY legal powers whatsoever on ANY debt no matter what it's Type

and they

are NOT and can NEVER  be BAILIFFS. even if a debt has been to court..

If everyone stopped blindly paying DCA's Tomorrow, their industry would collapse overnight... 

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Share on other sites

PS it wont be 'just' that default causing you issues

 

there must be other reasons.

 

one default does not prevent most credit cards

 

dx

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

DCA's view debtors as suckers, marks and mugs

NO DCA has ANY legal powers whatsoever on ANY debt no matter what it's Type

and they

are NOT and can NEVER  be BAILIFFS. even if a debt has been to court..

If everyone stopped blindly paying DCA's Tomorrow, their industry would collapse overnight... 

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Share on other sites

in the time scale available you can do very little.

 

the ONLY way would be to offer payment on the strict condition the CRA file is marked as SETLLED [not partial settlement]

and ALL neg data is removed.

 

IMHO thats a waste of money..you dont owe anything.

 

your 'other' credit stuff will be rebuilding your rating and will go up when this debt drops off is dec or p'haps earlier.

 

dx

 

 

No I have no intention to even paying them a penny! lool But Come April 2013 I want to argue with Lowell that the default date is wrong and that it should be April 2013 NOT December 2013!! so then they ll remove it I hope..... or isit T-mobile that I have to complain to?

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as said before

i would suspect it was t-mobile.

 

dca's dont usually default debts if they buy them on a phishing list.

 

when its sold, the new owners name is substituted wherever the original owners was.

 

so thus the default shows as lowlife but it was t-mobile that did it.

 

there is an outside chance it was the automatic system on the cra computer

 

once a debt has been reported with a marker [say for late payment]

once over 6 mts, it auto goes to 8 or D = default.

 

the only clear way to tell is by sending an SAR to the OC.

 

dx

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

DCA's view debtors as suckers, marks and mugs

NO DCA has ANY legal powers whatsoever on ANY debt no matter what it's Type

and they

are NOT and can NEVER  be BAILIFFS. even if a debt has been to court..

If everyone stopped blindly paying DCA's Tomorrow, their industry would collapse overnight... 

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Agai DX is right T Mobile will have defaulted the account no Lowell so any challenge to the default date will have to go to T Mobile.

As DX also said earlier 1 default will probably not prevent you getting a CC BUT mortgage lenders at what ever level in the market are looking at longer credit histories often 5 years + and good to excellent credit management 3-4 years is the average time to build an acceptable credit profile.

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:

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