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    • Public backs debt enforcement to support vital public services - survey | CIVEA View the full article
    • The CMA has today published further detail on its views on the law in relation to cancellations and refunds during the pandemic. View the full article
    • Includes eligibility, appeals, tax credits and Universal Credit View the full article
    • The questionnaires below provide important information which will allow us to help you. In order to use them, you will have to copy them into your own post and then give us the answers – preferably in red below each question. You can start by overwriting the prompt: "Give answer here" below each question – and your responses should automatically appear in red   Thank you +++++++++++++++++++++++++++++++++++++++++++++++++++++++++++++++++++++++++++++++++++++++++++++   You have received a claim form.   firstly - read all the posts in this thread FIRST...   then copy this first msg to your thread - and put your answer after each question   In order for us to help you we require the following information:- [if there are more than one defendant listed - tell us]   Name of the Claimant ? LOWELL PORTFOLIO I LTD   Date of issue – top right hand corner of the claim form – this in order to establish the time line you need to adhere to. 25 AUG 2020   Date of issue XX + 19 days ( 5 day for service + 14 days to acknowledge) = XX + 14 days to submit defence = XX (33 days in total) -   ^^^^^ NOTE : WHEN CALCULATING THE TIMELINE - PLEASE REMEMBER THAT THE DATE ON THE CLAIMFORM IS ONE IN THE COUNT [example: Issue date 01.03.2014 + 19 days (5 days for service + 14 days to acknowledge) = 19.03.2014 + 14 days to submit defence = 02.04.2014] = 33 days in total   Particulars of Claim   What is the claim for – the reason they have issued the claim? Please type out their particulars of claim in full (verbatim) less any identifiable data and round the amounts up/down. 1) The defendant entered into an agreement with Vodafone under account reference xxxxxxxxx ("the Agreement"). 2) The Defendant failed to maintain the required payments and the service was terminated. 3) The Agreement was later assigned to the Claimant on 31/07/2015 and notice given to the Defendant. 4) Despite repeated requests for payment, the sum of £595.63 remains due and outstanding. And the Claimant claims a) The said sum of £595.63 b) Interest pursuant to s69 County Courts Act 1984 at the rate of 8% per annum from the date of assignment to the date of issue, accruing at a daily rate of £0.131, but limited to one year, being £47.65 c) Costs   What is the total value of the claim? £773.28   Have you received prior notice of a claim being issued pursuant to paragraph 3 of the PAPDC (Pre Action Protocol) ? I received a "Notice of Claim Issue" letter after the "Claim Form".    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? Give answer here Is the claim for - a Bank Account (Overdraft) or credit card or loan or catalogue or mobile phone account? Yes, mobile phone account.   When did you enter into the original agreement before or after April 2007 ? After April 2007.   Do you recall how you entered into the agreement...On line /In branch/By post ? Online or phone.   Is the debt showing on your credit reference files (Experian/Equifax /Etc...) ? I don't think so, I don't have a CCJ, but I will check.   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. Account assigned to Debt purchaser.   Were you aware the account had been assigned – did you receive a Notice of Assignment? Yes, but I don't remember the notice of assignment, I will have to search through all my scans.   Did you receive a Default Notice from the original creditor? I think so.   Have you been receiving statutory notices headed “Notice of Sums in Arrears”  or " Notice of Arrears "– at least once a year ? I think so, I scanned all the letters, I think different companies have sent me letters, I will check.   Why did you cease payments? Never used the contract, plus financial trouble.   What was the date of your last payment? No monthly payment made just a upfront fee I think.   Was there a dispute with the original creditor that remains unresolved? No.   Did you communicate any financial problems to the original creditor and make any attempt to enter into a debt management plan? No.     What you need to do now.   Answer the questions above   If you have not already done so – send a CCA request to the claimant for a copy of your agreement
    • Public backs debt enforcement to support vital public services - survey | CIVEA View the full article
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    • I’m in desperate need of help
      I bought some clothes online in may through Evans and paid through PayPal
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Three (Mobile network) Direct Debit over charge

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Hi Forum, I am new here, so I hope someone can help.

Back in June 2011, my mobile phone contract with t-mobile was coming to end, and I was keen on getting the best deal for Samsung Galaxy S2.


The best deal was with "Three", so I decided to order the phone and contract for 24 months online,

and all went well.


In the meantime, I contacted t-mobile and asked to terminate my contract.

And as you may know, they throw a big offer that was better than the "Three" offer.


Having been happy with t-mobile, I decided to cancel my order with Three.

I received the phone from Three, but I sent it back immediately, (it was received well before the 14 days cooling off period),

and phoned them and they confirmed that all is ok and you don't have to do anything.


Last week, I have accidentally seen an amount 0f £36 on my online bank statement that just showed H3G.


Looking suspicious, I googled it and it turns out to be Hutchinson 3G, which is the "Three" network!


I am just amazed that so long had passed and I did not spot that on my online statements.


But I recall, that I used to have an insurance with Hutchinson company till lately, and till recently,

on the bank statement used to see the Hutchinson, thinking that it was my insurance!


It turned out that my Insurance name on statement is "Hutchinson taylor" and it was only when three, changed their name to H3G,

then it raised alarm! I must admit, that I have done a very bad book-keeping for such late discovery!


However, there has been over 20 months, since they have been withdrawing £36 from my account every month, without a Phone or a Phone number or any statement to my address!


I contacted them last week. It took over 2 hours of talking with different people from Cancellation department to online department to online cancellation department...


. I was told that yes, you have sent the phone back within the 14 days period,

and have asked for cancellation, but because the contract is for 24 months,

we can't cancel it because otherwise, you will owe us for the remaining 4 months!


This went on for sometime and I finally gave up after being on hold for another 30 minutes!


I filled an online complaint, and received a confirmation of receipt on 8th of January this year,

and although they said they will contact me by email,


I only had one voicemail from them, where he was advising me to call them on 333 with "Three" mobile number!


I filled another online complaint form with the reference of the previous one. this time no reply at all!


To me, this is like thieving people!


They know the contract never started,

they confirm the phone was sent back within the cooling off period,

yet, they do not reply and worse, refund my money,

which by now is over £700 of payments.

I have cancelled my DD immediately already.


I like to hear from the experts here as to what can I do legally to force them to pay back the funds

and if I can sue them for negligence and lack of due care.


Also, had I not have raised this, they would have happily have charged me,

despite the fact that I do not have a number,

and obviously the bills for the past 12 months must have been null values!


What can I do? Please advise.

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invoke DD guarantee with your bank

they MUST refund the lot within 24-48hrs.


phone them up

state you have NEVER had any monthly notice of the sums that were to be withdrawn


no paperwork ever

and that the contract was cancelled within 14 days 20mts ago.


dont get into too much detail


just simply state that you had just discovered that H3G have

been getting DD's from your account for a non existant contract



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


if everyone stopped blindly paying DCA's tomorrow

the biggest financial industry in the UK, DCA;s -  would collapse overnight.


DCA's view debtors as suckers, marks and mugs - that's why they will never tell you they are not bailiffs and have absolutely zero legal powers on any debt.



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