O2, Lowell Portfolio AND Hamptons Legal **SUCCESSFUL OUTCOME**

[trianglehead78]

Hi guys

 

This is the second time I've had to post on here due to my stupidity a number of years ago when I left the country

(not intending on coming back) for a new life abroad. I left a few debts here though.

 

However, I recently received a letter from Lowells claiming that I owed O2 £588.

 

To my knowledge I have never had an O2 account as the very fist mobile I had was Orange and I've been with them either on contract of PAYG ever since.

 

I sent off my CCA request and it was received on 19th Feb ( confirmed via Royal Mail)

However, I have today received a letter from Hamptons legal Dated 20th Feb stating that the account has now been referred to them as I haven't paid my outstanding debt.

 

In the letter then threaten CCJ's, Attachment of earnings and bailiffs.

 

What on earth should I be doing here. Do I send another CCA to Hamptons even though they are part of Lowells?

[Crazy Diamond]

Hampton's are not part of Lowell's, they are a "trading style" of Lowell's, which means probably the guy sitting in the desk opposite the 1st guy, possibly even the same guy with different notepaper!

 

I would file very carefully in my recycling bin (paper).

[ims21]

A CCA request is for a credit account under the Consumer Credit Act and does not apply to mobile phone contracts which are service agreements.

 

You may already know that Hamptons and Lowell are the same company.

 

When you say "a few years ago", how many are we talking.

 

I think your best bet at the moment is to send them the "Prove It" letter from the CAG library, the link to which is at the top of every CAG page in green.

[citizenB]

So are you back in the UK ?

 

Have they given you any idea of when the account was opened or the last payment made ?

 

You might be able to find that information by looking at your credit reference files.

[trianglehead78]

Yes I've been back in the UK for 3 months. I left the UK in October 2007 and was out of the country until November 2012.

 

They've given me no information as to when the account as opened or any payments other than the outstanding balance that I 'owe'.

 

The very first letter I received from Lowells started 'you were recently informed that your O2 account was sold to Lowell Portfolio...' which is news to me as that was the first letter that had been sent to this address.

 

I'll fire off the prove it letter as advised and, I'll also be requesting the return of the £1 for the CCA.

[citizenB]

So at the very least you can prove that you have received no communication from anyone.

 

I think the prove it letter looks to be a smart move. Dont sign the letter just print your name.

[dx100uk]

CCA no good for phones

 

get your cra file

 

dx

[2Grumpy]

Maybe they have sent the same letter to every trianglehead that they find, waiting for one to bite. They won't care whether it's your debt or not, so long as they get some money. The prove-it letter sounds good. When you have an o2 account or phone number you can telephone them.

 

In these situations, I wouldn't bother with recorded delivery - second class will do but go to the post office & get a certificate of posting so that you can prove the letter went off to them if you need to

[trianglehead78]

Well I received a reply this morning but, I don't see how this proves anything at all. Lowells are now demanding payment because they have 'proved it'. Have they??

 

[ATTACH=CONFIG]42231[/ATTACH]

[ATTACH=CONFIG]42233[/ATTACH]

[ATTACH=CONFIG]42232[/ATTACH]

[dx100uk]

set your default scan page size to A4 less than 300DPI [150 will do]

scan the required letters/agreements/sheets - as a picture[jpg] file

don't forget you can use a mobile phone or a digital camera too!!

'

BUT......

ENSURE: remove all pers info inc. barcodes etc using paint program

but leave all monetary figures and dates.

*********************************************************

{DO NOT USE A BIRO OR PEN OR USE SEE THRU TAPE OR LABELS]

try www.pdfescape.com TO BLANK STUFF,

*************************************************************

or

DO IT IN MSPAINT.EXE or any photo editing program

goto one of the many free online pdf converter websites ...

http://freejpgtopdf.com/

if you have multiple scans/pics

put them in a word doc FIRST and convert that to PDF

or use www.pdfmerge.com

convert existing PC files to PDF [office has an installable print to PDF option]

..

 

it would be better to upload a multipage pdf if

you have many images too rather than many single pdfs

.

or if you have PDF as an installed printer drive use that

or use word and save as pdf

try and logically name your file so people know what it is.

though dont use full bank names or CAG in the title

i'e Default notice dd-mm-yyyy TSB

.

open a new msg box here

hit go advanced below the msg box

hit manage attachments below that box

hit the add files button on the top right

hit select files, navigate to your file on your pc

hit upload files

.

dx

[trianglehead78]

Here we go again then. PDF attached

[dx100uk]

proves nothing

 

check your cra file

 

dx

[trianglehead78]

CRA file checked, checked and checked again and, there's no sign of any O2 entry or and entry for the amount being claimed by lowells

[citizenB]

What exactly have they proved ??

 

Unless you can see a proper bill/statement with telephone numbers how do you know that you have run up this bill! It seems to be an awful lot for a telephone bill as well, so are there charges/interest added ?

 

You need a proper breakdown - there is absolutely nothing there that proves anything ?

[trianglehead78]

Are there any templates out there for post prove it letter responses? I'm not at all good with the technicalities so don't want to write something that makes out that the account is mine in any way.

[dx100uk]

contact o2

 

ask them why they have sold this debt to lowlife

 

as you've never had an account with them

 

see if they can trace you.

 

dx

[trianglehead78]

update on this one then. Finally got the action taken that I wanted after emailing the CEO of O2. They've wiped the debt and put it down to fraud. Letter received from Lowells saying they've cleared the file and O2 has cleared the mark on my credit file.

[citizenB]

Well done, you must be very relieved. Keep an eye on your records and keep any communication regarding this, especially the one that confirms this is now all done and dusted. JIC ! I will amend your thread title.

[dx100uk]

good result

sorry lowlife dca

 

no dice fleecing this one

they found CAG!!

 

 

dx