Jump to content


  • Tweets

  • Posts

    • Hey guys,   I was using a utility supplier for 18 months. Every month, paid my direct debit on time. One day, they reviewed my account and said they had miscalculated my energy consumption and I now owe them £900.    I switched energy suppliers straight away as a consequence.    I am now being contacted by UK Search Limited by phone, email and text message. So far, I haven't responded and don't intend to.   I've checked my credit file. The account with the original utility supplier is closed and settled according to Credit Karma.    So what should I do with UK Search Limited? As far as I see it:   Completely ignore them until they go away (my preferred option) Contact them in some way and dispute the debt   I would be very grateful for any advice on how to proceed. I currently have an excellent credit score.    Thank you,  
    • Afternoon guys.   Just received the following from the dealer I purchased from:   Dear Mr Fish.   Sorry to hear you are experiencing problems with your car.   Unfortunately my contract of sale on this vehicle is with CarMoney Ltd and any issues or complaints will have to come from them. You can contact CarMoney on 0333 4564550 you will need your finance reference number for security.   Kind regards David Wickes GCS Cars Ltd
    • Hi  Has anyone recently had any joy with claiming or at least getting a hold of these people I got a car with them back in 99 and was definitely mis-sold PPI  Tried to claim through a 3rd party but they have said that they no longer have them on their list - I had to state Direct Auto Finance and Provident Financial who were the underwriters i believe    Really need some help    Thanks 
    • Hi,sorry .The Gararge is called Jordan Motors House Ltd. Is there any thing else you would like to know?
    • Lowell Portfolio 1 Ltd   Date of issue 16/08/19.     Particulars of Claim   What is the claim for – the reason they have issued the claim? 1. The claim comprises the following agreements the defendant entered into a. Talk Talk telecom Ltd with reference (Account Number) and current balance 485. b. Vanquis Bank with refrence (Card Number) current balance 596 The agreements were terminated as payments were not maintained and subsequently assigned to claimant. and the claimant claims. a) the total of the said sums being 1080. b) interest pursuant to s69 county courts act 1984 at the interest rate of 8% per annum from the date of assignment to the date of issue. but limited to one year, being 7 C) Costs     What is the total value of the claim? 1317   Have you received prior notice of a claim being issued pursuant to paragraph 3 of the PAPDC ( Pre Action Protocol) ? yes   Have you changed your address since the time at which the debt referred to in the claim was allegedly incurred?No   Did you inform the claimant of your change of address? N/A Is the claim for - a Bank Account (Overdraft) or credit card or loan or catalogue or mobile phone account? Credit card and landline/mobile   When did you enter into the original agreement before or after April 2007 ?  no   Do you recall how you entered into the agreement...On line /In branch/By post ? card on line / landline mobile by phone   Is the debt showing on your credit reference files (Experian/ Equifax /Etc...) ? yes   Has the claim been issued by the original creditor or was the account assigned and it is the Debt purchaser who has issued the claim. Debt purchaser   Were you aware the account had been assigned – did you receive a Notice of Assignment? yes   Did you receive a Default Notice from the original creditor? cant remember   Have you been receiving statutory notices headed “Notice of Default sums” – at least once a year ? yes   Why did you cease payments? on the vanquish card because my wife lost her job and at the same time so did my son so all household bills became my responsibility. the talk talk was canceled by me , due to at least two data breaches ant the mobile was canclled as it was a monthly contract I no longer needed but they carried on charging me for a further 4 months claiming I did not cancel it correctly   What was the date of your last payment? 2016   Was there a dispute with the original creditor that remains unresolved? yes to both   Did you communicate any financial problems to the original creditor and make any attempt to enter into a debt management plan? no
  • Our picks

somethingelseplease

Can you deal a better final full discount with DCA's like Lowell etc?

style="text-align:center;"> Please note that this topic has not had any new posts for the last 1728 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

i cannot see the point in paying a debt with a discount

 

something is wrong else they'd go for the whole cigar.

 

If it were me i'd pay nothing

 

lowells are taking you for a mug.

 

You mit as well burn it tha pay it off.

 

 

Dx

 

agreed!!! :)


Credit Reference Agencies - not all details will show on all 3. So check all 3

 

Noddle (callcredit) free

https://www.noddle.co.uk/

 

£2 statutory credit report off the other 2 listed below.

 

Experian

http://www.experian.co.uk/consumer/statutory-report.html

 

Equifax

http://www.equifax.co.uk/Products/credit/statutory-report.html

 

 

If i help feel free to click star on my post. cheers

Share this post


Link to post
Share on other sites

I did make a point of saying if they didn't offer me a discount then my solicitor was filling for Bankrupcty and would probably wipe my debt clean :)

 

He had to go speak to a manager about the 50% discount offer

Share this post


Link to post
Share on other sites

Some people just want to get their feet cleared and get rid of their debts. Sax you MUST get it in writing that they accept your offer as full settlement plus that they or any third party will not peruse you for the remainder.

 

 

 

Also a company not supplying a cca does not make the debt unenforceable gust, suggest you have a read in the legal forum where many companies issue court action where a cca reply

has not been produced


Please contact a member of the site team if you are offered help off the forum for a a paid or no win no fee service.

 

Please consider making a small donation to help keep this site running

Click here to donate through PayPal (opens in a new window)

Share this post


Link to post
Share on other sites

 

Also a company not supplying a cca does not make the debt unenforceable gust, suggest you have a read in the legal forum where many companies issue court action where a cca reply

has not been produced.

 

Hi thanks

 

So why have i been told this time and again here? see above #29 as i was told this previously on this forum.

 

I will just stick to my own business then in future. thanks


Credit Reference Agencies - not all details will show on all 3. So check all 3

 

Noddle (callcredit) free

https://www.noddle.co.uk/

 

£2 statutory credit report off the other 2 listed below.

 

Experian

http://www.experian.co.uk/consumer/statutory-report.html

 

Equifax

http://www.equifax.co.uk/Products/credit/statutory-report.html

 

 

If i help feel free to click star on my post. cheers

Share this post


Link to post
Share on other sites

Thanks,

 

I will phone Lowells on Monday morning and confirm that they send me a confirmation saying the rest won't be passed on and the 50% is the final and complete settlement

 

I'll post the letter email from one of the accounts tomorrow and let you judge whether it needs more proof of settlement

Share this post


Link to post
Share on other sites

as in the thread you refer to gust you are being advised that if they do not reply to a cca you can then send an account in dispute letter - no where have you been advised if they don't respond this make the unenforceable.

 

no need to go in the huff...this is an open forum for exactly that reason so we can make a judgement on ALL the info or opinions provided.

 

Sax you can send your own full and final offer wording it correctly


Please contact a member of the site team if you are offered help off the forum for a a paid or no win no fee service.

 

Please consider making a small donation to help keep this site running

Click here to donate through PayPal (opens in a new window)

Share this post


Link to post
Share on other sites

Please contact a member of the site team if you are offered help off the forum for a a paid or no win no fee service.

 

Please consider making a small donation to help keep this site running

Click here to donate through PayPal (opens in a new window)

Share this post


Link to post
Share on other sites

Of course - that was the understanding i got from alot of the help i have received and reading letters etc.

 

apologies if i am incorrect - not in a huff, just stating i will shut my mouth if im incorrect. that is all.

 

this letter i refer to

 

http://www.consumeractiongroup.co.uk/forum/content.php?436-Failure-to-provide-a-copy-of-the-agreement-within-the-prescribed-timescale.

 

:)


Credit Reference Agencies - not all details will show on all 3. So check all 3

 

Noddle (callcredit) free

https://www.noddle.co.uk/

 

£2 statutory credit report off the other 2 listed below.

 

Experian

http://www.experian.co.uk/consumer/statutory-report.html

 

Equifax

http://www.equifax.co.uk/Products/credit/statutory-report.html

 

 

If i help feel free to click star on my post. cheers

Share this post


Link to post
Share on other sites
I did make a point of saying if they didn't offer me a discount then my solicitor was filling for Bankrupcty and would probably wipe my debt clean :)

 

He had to go speak to a manager about the 50% discount offer

 

no thats juast a std ruse on the phone

which is why you should never really phone them

 

IF and a very big IF you do pay them anything...

 

you MUST make it a condition that ALL negative data is REMOVED from your CRA

& the debt is marked SETTLED not PARTIAL settlement.

 

if you get that in WRITING FIRST, then p'haps go for it.

 

else do not pay them.

 

dx


PLEASE DONT HIT QUOTE IF THE LAST POST IS THE ONE YOU ARE REPLYING TOO.

MAKES A THREAD TWICE AS LONG TO SCROLL THROUGH!

please do not post jpg images directly to a topic..USE PDF ....READ UPLOAD.

 

WE CAN'T GIVE ADVICE BY PM - IF YOU SEND ME A LINK TO YOUR THREAD - I WILL BE HAPPY TO OFFER HELP THERE

Single Premium PPI Q&A Read Here

Reclaim mis-sold PPI Read Here

Reclaim Bank Account, Loan & Credit Card Charges Read Here

The CAG Interest Tutorial Read Here

spreadsheets 

 

Share this post


Link to post
Share on other sites
Of course - that was the understanding i got from alot of the help i have received and reading letters etc.

 

apologies if i am incorrect - not in a huff, just stating i will shut my mouth if im incorrect. that is all.

 

this letter i refer to

 

http://www.consumeractiongroup.co.uk/forum/content.php?436-Failure-to-provide-a-copy-of-the-agreement-within-the-prescribed-timescale.

 

:)

 

gust i was going write the same as ida tonight but got beaten.....

 

no CCA does not prevent anyone from ASKING for payment

nor does it stop them trashing your CRA file too.

 

as for this 'un-en' thing.

 

you certainly wont be 100% protected from poss going to court

 

recon agreements, with a clear financial link & statements

have been knwn to be accepted by a judge

'

we dont 'like' the idea of or the ethos of un-en here at CAG

to be frank, thats debt avoidance,

or wriggling out of your debts by a paperwork 'error'

 

we'd rather help deal with actually matter in hand

and see if there is reclaiming to be done or actual wrongs against the consumer.

 

dx


PLEASE DONT HIT QUOTE IF THE LAST POST IS THE ONE YOU ARE REPLYING TOO.

MAKES A THREAD TWICE AS LONG TO SCROLL THROUGH!

please do not post jpg images directly to a topic..USE PDF ....READ UPLOAD.

 

WE CAN'T GIVE ADVICE BY PM - IF YOU SEND ME A LINK TO YOUR THREAD - I WILL BE HAPPY TO OFFER HELP THERE

Single Premium PPI Q&A Read Here

Reclaim mis-sold PPI Read Here

Reclaim Bank Account, Loan & Credit Card Charges Read Here

The CAG Interest Tutorial Read Here

spreadsheets 

 

Share this post


Link to post
Share on other sites

Ok guys, here is the one and only copy of an account he sent me, out of the 4 this is the only one he sent

 

Is there anything else the letter needs to state??

 

 

Lowell letter.pdf

 

Have removed lowell reference that could be used to identify you.

Edited by citizenB
removed personal info

Share this post


Link to post
Share on other sites

post 38

 

there is nothing there at all about how they will mark cra et all

or what about the balanace etc.

 

dx


PLEASE DONT HIT QUOTE IF THE LAST POST IS THE ONE YOU ARE REPLYING TOO.

MAKES A THREAD TWICE AS LONG TO SCROLL THROUGH!

please do not post jpg images directly to a topic..USE PDF ....READ UPLOAD.

 

WE CAN'T GIVE ADVICE BY PM - IF YOU SEND ME A LINK TO YOUR THREAD - I WILL BE HAPPY TO OFFER HELP THERE

Single Premium PPI Q&A Read Here

Reclaim mis-sold PPI Read Here

Reclaim Bank Account, Loan & Credit Card Charges Read Here

The CAG Interest Tutorial Read Here

spreadsheets 

 

Share this post


Link to post
Share on other sites

ye but i bet it will be marked partial settlement with just your payment off full balance

thus leaving it open to further colletion.

 

please do as in post 38

 

dx


PLEASE DONT HIT QUOTE IF THE LAST POST IS THE ONE YOU ARE REPLYING TOO.

MAKES A THREAD TWICE AS LONG TO SCROLL THROUGH!

please do not post jpg images directly to a topic..USE PDF ....READ UPLOAD.

 

WE CAN'T GIVE ADVICE BY PM - IF YOU SEND ME A LINK TO YOUR THREAD - I WILL BE HAPPY TO OFFER HELP THERE

Single Premium PPI Q&A Read Here

Reclaim mis-sold PPI Read Here

Reclaim Bank Account, Loan & Credit Card Charges Read Here

The CAG Interest Tutorial Read Here

spreadsheets 

 

Share this post


Link to post
Share on other sites

I will dx

 

I'll call tomorrow and make sure they send me a letter from each account stating they will remove all negative data is removed and each one marked as settled NOT partial

 

Finally getting these debts sorted out is such a sigh of relief and I thank everyone for their input and help

Share this post


Link to post
Share on other sites

There saying the credit report will only state partial settled but the balance will say £0

 

They state the debt will not be sold on

 

After the payment is done then in regards to oft guidelines they will send a letter saying account is settled

 

If they don't I'm entitled to get the Data Subject Access of the call which states Lara Black said "we will definetly not sell this on and the account will be settled"

Edited by somethingelseplease

Share this post


Link to post
Share on other sites

then you might as well bun the money.....

 

i wonder why if they are reducing the bal to '0'

they wont mark it as settled?

 

because with no bal its settled...

 

as soon a you pay they'll put the outstanding back and pass it on

 

do not trust them.

 

settle and remove the default and any other neg markers no NODEAL.

 

 

dx


PLEASE DONT HIT QUOTE IF THE LAST POST IS THE ONE YOU ARE REPLYING TOO.

MAKES A THREAD TWICE AS LONG TO SCROLL THROUGH!

please do not post jpg images directly to a topic..USE PDF ....READ UPLOAD.

 

WE CAN'T GIVE ADVICE BY PM - IF YOU SEND ME A LINK TO YOUR THREAD - I WILL BE HAPPY TO OFFER HELP THERE

Single Premium PPI Q&A Read Here

Reclaim mis-sold PPI Read Here

Reclaim Bank Account, Loan & Credit Card Charges Read Here

The CAG Interest Tutorial Read Here

spreadsheets 

 

Share this post


Link to post
Share on other sites

She stated that the balance on the credit report will be marked as £0 and the account will be settled.

 

Oh I don't know what to do now, I just want this done and dusted!!

 

She read the letter out to me which they send after and it clearly said, the account once paid will be full and final settlement

 

She was saying that for example one account on the credit report will go from balance £685 to £0

 

Lara stated that if they did sell this on and that what she said was a lie it could be brought up in court as all calls are recorded etc

Share this post


Link to post
Share on other sites

Don't forget, they will say anything on the phone to get money out of you and then that can easily deny it later.

 

With respect, you are putting far too much trust in Lowell. As dx has said...DO NOT TRUST THEM.

 

IF (note the IF) cyou are going to pay then you need the full and correct terms of any settlement arrangement in writing BEFORE you settle, not rely on a letter coming after the event.

 

These outfits run a business model which is purely designed to get money out of people, they have no interest in treating helping you whatsoever.


If I have helped you please leave me a message by clicking my star

 

1. Single Premium PPI Q&A Read Here

2. Reclaim mis-sold PPI

Read Here

3. Reclaim Loan & Credit Card Charges Read Here

4. The CAG Interest Tutorial

Read Here

5. Feel Bullied by Creditors or Debt Collectors?

Read Here

6. Staying Calm About Debt

Read Here

7. Thinking of a Full & Final Settlement?

Read Here

 

How To Upload Documents To Cag

Instructions

 

I DON'T GIVE ADVICE BY PM BUT IF YOU SEND ME A LINK TO YOUR THREAD THEN I WILL BE HAPPY TO OFFER HELP THERE

 

 

 

Private message facilities are offered for users to communicate issues that are perhaps inappropriate for posting on the main forum. Site rules explain this in more detail.

 

If you receive a private message which you consider abusive, derogatory or otherwise inappropriate, whether it be about yourself or other members, please report it using the "report" icon

 

If you are approached (or have been approached) by private message with an offer of help "Off Forum" or with a view to asking you to visit another website, please inform the site team via the report icon, especially if this results in a request for a fee. Remember, this is for your own protection

my views are my own and are given in good faith to try and help people. Please seek professional advice on your case if necessary

 

PLEASE HELP US TO KEEP THIS SITE RUNNING

EVERY POUND DONATED WILL HELP US TO KEEP HELPING OTHERS

 

Share this post


Link to post
Share on other sites

:thumb::thumb::thumb:

 

dx


PLEASE DONT HIT QUOTE IF THE LAST POST IS THE ONE YOU ARE REPLYING TOO.

MAKES A THREAD TWICE AS LONG TO SCROLL THROUGH!

please do not post jpg images directly to a topic..USE PDF ....READ UPLOAD.

 

WE CAN'T GIVE ADVICE BY PM - IF YOU SEND ME A LINK TO YOUR THREAD - I WILL BE HAPPY TO OFFER HELP THERE

Single Premium PPI Q&A Read Here

Reclaim mis-sold PPI Read Here

Reclaim Bank Account, Loan & Credit Card Charges Read Here

The CAG Interest Tutorial Read Here

spreadsheets 

 

Share this post


Link to post
Share on other sites

Hi Saxo, looking in as asked.

 

What do you need? A letter drafted to make the F&F?


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

 

IF (note the IF) cyou are going to pay then you need the full and correct terms of any settlement arrangement in writing BEFORE you settle, not rely on a letter coming after the event.

 

What about that letter on page 2? That's the proof they say there sending me which does state 'must receive your £xxxx as settlement' ?

Share this post


Link to post
Share on other sites

No Brigadear, It's just a bit of input regarding this situation from you also as I have spoken to you before about things.

 

I understand that I should not make payment until I have it clear in writing that the debt will be 'settled' but Lowells say they will settle the debt (which is stated in the letter page 3) and won't pass it on. Even though the debt is partial settles they can still sell the remainder on, but Lowell are saying they won't and can't send me another letter stating they will mark the debt as settled

 

Can you look at the letter on page 2 please, this is the letter they are sending me in regards to all 4 accounts....

 

I take it from everyone's advice that, that letter doesn't have all the necessary characteristics which tells you the account will be closed and def settled

Share this post


Link to post
Share on other sites
What about that letter on page 2? That's the proof they say there sending me which does state 'must receive your £xxxx as settlement' ?

 

It doesn't confirm what they will put on the CRA file and it doesn't confirm that they will not sell the balance on.

 

It is not a letter you can rely on in respect of those points.


If I have helped you please leave me a message by clicking my star

 

1. Single Premium PPI Q&A Read Here

2. Reclaim mis-sold PPI

Read Here

3. Reclaim Loan & Credit Card Charges Read Here

4. The CAG Interest Tutorial

Read Here

5. Feel Bullied by Creditors or Debt Collectors?

Read Here

6. Staying Calm About Debt

Read Here

7. Thinking of a Full & Final Settlement?

Read Here

 

How To Upload Documents To Cag

Instructions

 

I DON'T GIVE ADVICE BY PM BUT IF YOU SEND ME A LINK TO YOUR THREAD THEN I WILL BE HAPPY TO OFFER HELP THERE

 

 

 

Private message facilities are offered for users to communicate issues that are perhaps inappropriate for posting on the main forum. Site rules explain this in more detail.

 

If you receive a private message which you consider abusive, derogatory or otherwise inappropriate, whether it be about yourself or other members, please report it using the "report" icon

 

If you are approached (or have been approached) by private message with an offer of help "Off Forum" or with a view to asking you to visit another website, please inform the site team via the report icon, especially if this results in a request for a fee. Remember, this is for your own protection

my views are my own and are given in good faith to try and help people. Please seek professional advice on your case if necessary

 

PLEASE HELP US TO KEEP THIS SITE RUNNING

EVERY POUND DONATED WILL HELP US TO KEEP HELPING OTHERS

 

Share this post


Link to post
Share on other sites

Hi Saxo, The F&F letter Must be explicit in it's demands

 

eg I require written confirmation that :

1. ALL credit reference agency files are marked ''SETTLED'',

given that this a full and final settlement I do not consider

partial settlement is a suitable entry.

2. Any remaining balance will not be sold or assigned to ANY 3rd party.

3.The amount offered is confirmed as agreed between us.


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

  • Recently Browsing   0 Caggers

    No registered users viewing this page.


  • Have we helped you ...?


×
×
  • Create New...