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Parcel delivery insurance is prohibited under section 57 – Consumer Rights Act – Read about It Here and in The Times. ×


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    • fkofilee
      Perch/TM PAPLOC - old Oakbrook PDL

      By fkofilee · Posted

      Its okay - It happens. And this is why DCAs  user every trick in the book to try and make you crack.  Now its time to come back.    Im not sure how to proceed if Im honest if they have issued a Letter Of Claim.  Only as You could complain to Oakbrook and they still proceed with Legal Proceedings, but I dont know if that would help or hinder the legal proceedings if they began down that avenue.  I know a FOS complaint wouldnt stop Legal Action and probably run along side it.  But I guess a judge would view a disputed balance with the original creditor as cause for concern whether the DCA's claim is valid?    A bit of a muddle.     
    • FTMDave
      Excel/DCBL ANPR PCN - Appealed - 5minutes overstay - iceland gravesend

      By FTMDave · Posted

      That is superb. To answer your question - Dear Mr Dhaliwal Change the sentence - As our disabilities were ignored and disregarded for the time taken I believe this is discrimination against us ... To - As our disabilities were ignored and disregarded for the time taken I believe this is discrimination against us contrary to the Equality Act 2010. Iceland have always been useless, not only in your case but in others, but I think if they realise they are breaking the law it will encourage them to act. I also think the letter is overlong and you could lose the paragraph - I cannot afford any unfair charges of this kind as I am severely struggling financially. I cannot work and am a carer for my disabled Son who also has a mental and mobility disability. I obviously do not have any disposable income and am in debt with my bills. So its an absolute impossibility for me to pay this incorrect charge - as the main points are made elsewhere.  
    • catscratch
      Perch/TM PAPLOC - old Oakbrook PDL

      By catscratch · Posted

      Hands up in the fact that i have probably F***** *P!!
    • NewsBot
      Car Finance Awards celebrates best of the industry

      By NewsBot · Posted

      Car Finance Awards celebrates best of the industryView the full article
    • fkofilee
      Perch/TM PAPLOC - old Oakbrook PDL

      By fkofilee · Posted

      I want to add my 2 cents here...  The purchase of this debt, Perch Group dont absolve themselves of liabilities from the Original Creditor. They should be responsible for dealing with this complaint in response to an Irresponsible Lending dispute.  If the balance is disputed as such in that way - Then they should be referring to the Original Creditor where applicable.    Also if your complaint was written in a way where a template wasnt used or it was rewritten to a similar effect where it wasnt recognisable - Then you probably would have stood a better opportunity at it not getting rebuffed.  To be honest those - Perch and TM Legal are a waste of Oxygen and will say anything to get you to pay.    Ditto on the template. Where did you find it?  Please keep in mind we have to unravel what you have done till now and help build a formal response.     

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Parcel delivery insurance is prohibited under section 57 – Consumer Rights Act – Read about It Here and in The Times.

Debt

Karlsen

By Karlsen
in Debt Collection Agencies

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Karlsen

Karlsen

Posted
Posted

Hi Everyone

Can someone give mesome advice please.

I received a letter from a debt collection agency Lowell Finance.for a debt of £1600.

So I checked my credit file and found that the debt relates to Dec 2006 and the default debt was £906.

Can a debt collection agency add more money to the original debt ? I have never contacted the original company nor the debt collection agaency yet.

What advice can anyone give me with regards to this

Many thanks

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ims21

ims21

Posted
Posted

Hi and welcome to CAG

 

I've moved your thread to the debt collection forum.

 

Who was the original creditor?

 

When was the last payment made to the account or when did you last acknowledge it in writing?

 

A DCA/Debt Purchaser can only add interest if it is provided for in the T&Cs of the original agreement.

 

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ims21

ims21

Posted
Posted

The reason I ask is that if the last payment to the account was a few months before the default date then this is coming up to being Statutory Barred.

 

Have you got any records going back that far that might help you find out when you last made a payment?

 

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dx100uk

dx100uk

Posted
Posted

then it december it will go.

 

dca have no powers anyhow

 

and as they dont owe the debt they can do nowt !!

 

they have no legal powers anyhow.

 

sit on your hands

 

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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Karlsen

Karlsen

Posted
  • Author
Posted

Sorry it is so long ago and the debt was my daughter's but the catalogue was in my name I don't have any recollection of thelast payments made

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citizenB

citizenB

Posted
Posted

How did you make your payments to the account - by direct debit/standing order? If so, you should be able to see from bank statements when the last payment was made.

 

Alternatively you could send a Subject Access Request to the Original creditor - you should receive statements or a statement of account showing payments made and hopefully the last one made.

 

Companies dont always record a default immediately it has happened - therefore you need to know when the last payment was made in order to establish if/when the account will become statute barred. The time starts from the first missed payment + 6 years.

 

You will find a draft SAR letter in the CAG library, linked at the top of each screen - highlighted in green. You will need to send £10.00 with the request and they have 40 calendar days to comply with the request.

 

Meanwhile, if Lowells start getting heavy, advise that you require a copy of the agreement and a statement of account in order to establish any liability owed by you. Stress that you are not admitting any liability until they can prove there is one.

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Karlsen

Karlsen

Posted
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Posted

As per the Experian Credit report

 

The default date is 15/12/2006 and the balance was £917 owed to Shop Direct Finane Co Ltd .

 

It doesn't list any payments just an 8 figure meaning that the account is 12 months in arrears and the agreement has been terminated.

 

On 13/3/11 Lowell Portfolio Ltd took up the debt and it appears they opened a new account with the outstanding balance being quoted as £1544

 

I have not made contact with Lowell and have not acknowleged any debt owed to them.

 

The original payments were made by 'over the counter' bank giro slips

so the payments cannot be back tracked to when the last payment was made but I do think it is over 6 years ago

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dx100uk

dx100uk

Posted
Posted

nope - 8 means its defaulted.

 

are you sayng it appears or appeared twice ?

 

or went away as the default was 6yrs old

and now anoth account has been registered, but the same debt?

 

something smells here

 

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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Karlsen

Karlsen

Posted
  • Author
Posted

I don't remember seeing it before on my credit file when it was Shop Direct

but it appearred in March 2011 listed as Lowell and defaulted.

 

I do actually have a current up to date account with Shop Direct,

which I have had for about 1 year

 

so I think they might have removed the outstanding debt that Lowell are chasing

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dx100uk

dx100uk

Posted
Posted

no diff accounts then

 

so lowlife are shown as the owner

so they must have brought the debt

and their name is then substituted for everything.

 

dont forget

shop direct handle MANY MANY catalogue accounts.

 

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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dx100uk

dx100uk

Posted
Posted

well no its not SB'ed yet!

 

but 75% of DCA income is on debt they have no legal right to collect o

or that the debtors actually legally OWES anything on.

 

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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Karlsen

Karlsen

Posted
  • Author
Posted
well no its not SB'ed yet!

 

Well Experian quote the default date as 15/12/06 so they have just 6 months maximum to legally colleect on this. Or less if the last payment date is before that. I think I shall sit on my hands on this one until they actually turn up on my doorstep then I will dispute the debt and have them produce the backup paper to prove that I owe it

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