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    • I'm afraid my response is going to be a bit more doom and gloom than my site team colleague. I'm afraid the principle of "buyer beware" is a pretty old principle and it doesn't always protect the private seller. However, I think you will have to wait and see what they come back to you about in writing. My understanding so far – as you don't even seem to know their address or who they are – is that everything has been done on the telephone. If they decide to come back at you in writing with a list of defects and am afraid we will have to look at it carefully because although you won't be particularly affected by consumer protection legislation, there are still basic rules of contract which could protect the purchaser. I'm sorry also to give a bit of a slapped wrist here, because the selling of vehicle in the circumstances without even ascertaining the identity of the purchaser and without keeping the necessary documents to inform the DVLA of the new ownership is highly irresponsible. I suppose this is going to put the frighteners on you – but you had better be aware of the possibilities. The first thing that occurs to me is that this vehicle may have been bought by a trader who was anxious not to add any more owners to the vehicle because that would reduce the value even more. Therefore you might have some fairly unscrupulous trader selling your vehicle on to another private purchaser who themselves may not properly register the vehicle so that if it attracts any parking fines or any other attention from agencies, could come back to you as you are the registered owner. You would be able to deal with this problem eventually but it would certainly be complicated. Also an extreme scenario is that the vehicle could eventually be used for unlawful purposes – and once again the registration leads back to you. I think that your daughter had better read the thread and had better take the lesson. As I have said, the use of the vehicle for some unlawful purpose is probably an extreme idea and is unlikely to happen. However, the idea that the vehicle has been bought by trader who wants to conceal the fact that it has had an additional purchaser – him/herself – is a highly possible scenario. You haven't told us anything about the vehicle – what is it, model, make, mileage, condition, price, – and also how was advertised, where was advertise, and what claims did you make for it. I do hope you don't hear anything more about this problem that you better give us all the information and if there is any fallout as a result of what your daughter is done then of course come back here and will it be very pleased to try and help you. In the meantime I would suggest that you contact DVLA and tell them that you have now parted company with the vehicle and that it is no longer yours. Even though you won't be able to give them the address of the new owner, you will be able to give them the name and you had better put it on record. I'm not sure if it's an offence not to have the details of the new owner and to pass them on to DVLA – but I would suggest anyway, that you tell DVLA. Before you start doing this though, standby for maybe one or two other people to contribute to this thread and to disagree with me. I think you need to have a range of opinions on this.   One further thing – you may be tempted simply to take the vehicle back – but unfortunately you won't be able to be certain that it is in exactly the same condition as it was when you sold it. This could give you another problem that may be if you decide to cut your losses and tell the purchaser to return the vehicle, you may not be completely happy when you receive it – and they will simply be a dispute as to what has happened to it during its absence
    • Ok , mine is  55, it's old but they were fixing these under warranty when the cars were brand new.  Aside from that the car is super reliable.
    • Can you tell us the name of the dealership please?   HB
    • Ahh ok, yup, when I sent my SAR to Natwest, they included everything going all the way back to the year 2000, Current accounts, Credit Cards everything. So be prepared for information overload.
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flynn88

Problem with Lowell debt collection

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A few years ago I had an issue with an O2 contract, cancelling the contract over the phone I was told I would have no other payments to be made and clerified with them before ending the call. Behold a few months, after I am receiving a charge of £40, money I could have paid instantly but refused to for the only reason being I was immature and didn't want to pay after cancelling when they told me I wouldn't have to pay anything else.

 

The debt was passed on to lowell and for roughly 8 months they continued to send me absurd mail, at times even offering me the option of halving the debt after claims of turning up at my house. I knew this was a load of nonsense but it adventually paid off as I got so bored of receiving mail from them I just paid the full 40 to end frustration.

 

A resulting cost is my credit rating has suffered drastically resulting to a silly £40 as I have an account now listed as defaulted? I am awful at sorting stuff like this and just want to know what I can do to sort this issue.

 

Ideally I could have paid the £40 straight away as it is such a small amount and not worth years of bad credit, but it was principal I refused to part with the money.. :(

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Hi welcome to CAG,

You have excellent grounds for a formal complaint to O2, no doubt this has been reported on credit files as a default which is unfair given that you were told the account was clear.

Please check your credit files.


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I have checked my credit rating online and is down under a default indeed, says I have paid but still says it could effect me up to six years, I should contact O2 as opposed to lowell?

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Thread moved to Debt Collection forum


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I have checked my credit rating online and is down under a default indeed, says I have paid but still says it could effect me up to six years, I should contact O2 as opposed to lowell?

 

Yes complaint addressed to the Data Controller at O2 reardind being assured the account was cleared and no further charges were payable, send any docs you have to support this, copy this to the Compliance Manager at Lowell

 

You can place a notice of dispute on the credit file entry as well.


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