2 year old orange phone debt and lowells DCA - default removal

[juliano]

do i send the 10quid as a postal order? cash seems strange!

[dx100uk]

yep PO

 

dx

[juliano]

I've just received a letter from Lowell now pursuing me for a debt well over 6 years old and that doesn't appear on my credit report.

[BRIGADIER2JCS]

No payment or written acknowledgment in that 6 year period means that the account is statute barred, is this the case here??

[juliano]

I haven't payed or contacted them for more than 6 years. Nor acknowledged the debt in writing or otherwise. It isn't on my credit report because, I assume, that the account is statute barred

[BRIGADIER2JCS]

The SB letter from the CAG library by recorded delivery is the way to go.

[juliano]

Don't forget, SAR go's to Orange with a £10.00 postal order by recorded delivery and they have 40 days to comply.

 

Letter in library.

 

sorry, so I send to data controller or Orange customer service?

[juliano]

I assume this is the address to which I should send the SAR

 

"If You have any questions about the handling or protection of Your Personal Data or Your rights under this Online Agreement please contact Customer Services by calling 07973 100 150 or writing to PO Box 10, Patchway, Bristol BS32 4QJ."

[BRIGADIER2JCS]

Address the SAR to the Data Controller at the company head office address.

[juliano]

That is fine but orange is now EE. I checked companies house and Orange UK has been dissolved. No search brings up a confirmed address. I will ask instore tomorrow.

[BRIGADIER2JCS]

Ok just use the current address for Everything Everywhere.

[juliano]

"If you want, you can always access your personal information.

 

Just make a written request to our Disclosures team at the address below clearly identifying yourself and the information you require.

 

We may charge you £10 to cover the cost of processing your request and supplying your information to you.

 

We will ask you to provide identification to ensure we do not disclose your information to the wrong people.

 

If you tell us that we hold any inaccurate information about you we will correct it at no charge to you.

 

please write to The Disclosures Team, Everything Everywhere Limited, Hatfield Business Park, Hertfordshire, AL10 9BW."

 

 

got it!

[juliano]

Hi all,

 

It has been over 40 days with no reply from Everything Everywhere.

 

It was delivered by recorded delivery which I was able to track online.

 

I am thinking that maybe they don't own the debt (even though Orange are now part of them)

and I writing to the wrong company but I can't find anywhere else to write to.

What steps should I take now?

 

I was told I should never pay a DCA is this correct?

 

I think Orange sold my debt to Lowell (at least that is what I am told by my credit report)...

and they keep sending me letters to which I have not replied.

 

 

LOWELL PORTFOLIO I... Communications

Default

£929

[juliano]

I'll be using the SB template from the CAG library for sure to deal with that other letter from Lowell

[dx100uk]

matter not who owns a debt

 

an sar always goes to the OC.

 

dx

[juliano]

Ok well in that case the SAR was sent to the OC and they didn't respond within the 40 days that I specified so what do I do now?

[Bazooka Boo]

You can either send them a LBA sent recorded delivery giving them a further 7 days in which to comply, or you can lodge a formal complaint to the ICO for EE's failure to comply.

[dx100uk]

write to EE giving them 7 days to comply before you lodge a formal complaint with the ICO

 

dx

[juliano]

Is it normal to not respond to an SAR ? Maybe if they don't have any information then they wouldn't reply?

[dx100uk]

they should still reply returning the £10

 

dx

[juliano]

Ok they replied returning the 10 pounds postal order along with a letter that says that

 

they require more information including

date of birth,

contact details,

what information I require and a signature and then return it (along with the postal order again) to an address titled "Law Enforcement Liaison team".

 

They are telling me the 40 days will begin again at that point.

 

This is quite frustrating.

 

Do I just go along with it?

[dx100uk]

sorry did you not sign it

 

you should have done

 

yes give them the info

dx

[juliano]

I signed it yes. I did everything as per the SAR form. Signed, dated, with relevant account number. They should not need any more information.

[dx100uk]

strange then.

 

delaying tactics?

 

dx

[juliano]

Finally got the SAR back with an apology for the delay and my 10 pounds postal order returned.

 

The last entry on my account is as follows :

 

"11/09/2012 The written off debt on this account has been sold to Lowell. The debt is no longer our responsibility so under no circumstances should Orange be dealing with this account, including any credit file queries. Please refer all customers back to Lowell."

 

So since I shouldn't pay Lowell, what is my next step? I think the entry on my credit report will hinder my chances of obtaining credit/mortgage. Although my score is "fair".

 

Thanks!