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    • Hi, I have the Sims 4 on Macbook. Over the last year I have paid for multiple add on packs spending a lot of money on them. I bought them all in good faith as my Mac met all the minimum requirements to play them. I have been playing happily for about a year and bought my latest pack just over a week ago. The games were all working fine yesterday. Then suddenly today EA released a new app to launch the games and this new app requires a MAC OS that my computer cannot use. Now suddenly none of my games are accessible and I am unable to play anything. They did not warn us about this change in requirements and if I had known they would be doing this I wouldn't have bought all these add ons as they are now all totally unusable. The games themselves have not changed, only their app to launch them and I can't afford to buy a brand new mac just to play. So my question is how can they change the minimum requirements after I have paid for a game? I agreed to pay for them based on the fact my mac met their requirements and was not informed when purchasing that this would be an issue in the future. I understand new games (like Sims 5 which is to be released next year) might not be compatible but this is a 10yr old game that they have suddenly made inaccessible due to their new launch app. Does anybody know if I can do anything or anyway to get a partial refund from them? Thanks   Here are their T&C... I can't find anything in there about them being able to do this so not sure what to do https://tos.ea.com/legalapp/WEBTERMS/US/en/PC/
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HFC / HSBC sells off debt to Lowells


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The default was on my credit file, but expired in January/February this year.

So when was the last payment and/or written acknowledgment of this debt?

 

 

I looks like Lowlife a chancing their arm again, the debt is probably already SB or nearly so, that's the reason for the 70% discount.

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The Debt is statute barred as of 2nd December in 3 months.

Based on default date or last payment lokur?

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Based on default date or last payment lokur?

 

Last payment.

 

The debt defaulted over 6 years ago when I unfortunately lost my job as many did in those days after the credit crunch started hitting. I got new employment and started payments up again, and the last payment on account was December 01 2008 and I disputed the account with HFC.

 

I recieved a letter from HFC which told me that they might have added PPI to my loan without giving me the terms and conditions, and offered to have it removed. But when I called up to take them up on this offer I was told no, and this is the reason I disputed the debt and stopped paying.

 

Forgot to mention: I forgot cancel the direct debit, so there was a bounced payment in January and February in 2009, which shows up on the accounts as payment/reversal of payment. The reason they bounced was that I was the victim of identity fraud and my account was emptied out over christmas that year. HSBC who I was banking with refunded me all the bounced DD charges and the stolen moneys 6 months later.

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Last payment.

 

The debt defaulted over 6 years ago when I unfortunately lost my job as many did in those days after the credit crunch started hitting. I got new employment and started payments up again, and the last payment on account was December 01 2008 and I disputed the account with HFC.

 

I recieved a letter from HFC which told me that they might have added PPI to my loan without giving me the terms and conditions, and offered to have it removed. But when I called up to take them up on this offer I was told no, and this is the reason I disputed the debt and stopped paying.

 

 

Best to string Lowlife on for 3 months then, 70% discount so close to SB bl**dy cheek.

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Best to string Lowlife on for 3 months then, 70% discount so close to SB bl**dy cheek.

 

Anything I should do to string them along? Ask any questions, or just ignore them? They could in theory take me to court before then right?

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Anything I should do to string them along? Ask any questions, or just ignore them? They could in theory take me to court before then right?

In theory yes, but as nothing has been done in all this time highly unlikely now.

Lowell are not shy about litigation is they believe they have even a fair chance of

success.

Ignore I think!

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id wait for it to go SB and reclaim PPI.

 

 

dx

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

DCA's view debtors as suckers, marks and mugs

NO DCA has ANY legal powers whatsoever on ANY debt no matter what it's Type

and they

are NOT and can NEVER  be BAILIFFS. even if a debt has been to court..

If everyone stopped blindly paying DCA's Tomorrow, their industry would collapse overnight... 

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  • 2 weeks later...

Just had another letter from Red stating they are now escalating it to Hampton legal with a recommendation to apply for a CCJ.

 

Then it goes on about the ramifications of a CCJ.

 

Threatogram?

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Just had another letter from Red stating they are now escalating it to Hampton legal with a recommendation to apply for a CCJ.

 

Then it goes on about the ramifications of a CCJ.

 

Threatogram?

 

 

Passed to the next desk in Lowell's den of iniquity, wait and see what Hamptons have to say.

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bloke at the next desk in a diff coloured skirt.

 

 

dx

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

DCA's view debtors as suckers, marks and mugs

NO DCA has ANY legal powers whatsoever on ANY debt no matter what it's Type

and they

are NOT and can NEVER  be BAILIFFS. even if a debt has been to court..

If everyone stopped blindly paying DCA's Tomorrow, their industry would collapse overnight... 

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I know that it's the next bloke down the line, but I've not seen that line before: Our recommendation to Hampton Legal is to apply for a CCJ.

 

Just wanted to know if anyone else have seen that, and if they actually went through with it as I now have 2.5 months away from a statute barring of this disputed debt (Dispute with original creditor re PPI).

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I know that it's the next bloke down the line, but I've not seen that line before: Our recommendation to Hampton Legal is to apply for a CCJ.

 

Just wanted to know if anyone else have seen that, and if they actually went through with it as I now have 2.5 months away from a statute barring of this disputed debt (Dispute with original creditor re PPI).

Hamptons are likely to farm this to one of the tame solicitors (Bryan Carter instance) to issue a claim so a little more time will be wasted there.

 

 

Looking back to July Lowell were threatening court action within 7days and nothing has happened.

 

 

What has Lowell produced to support their claim?

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Is there anything I can do to slow this down, I really don't want to deal with this in court.

 

 

This seems to be going in the usual circle of "escalations" to various departments of Lowell more often than not after Hamptons

the debt gets back to Lowell's ordinary collections activity.

 

 

How much is the debt for? To take it to court it has to be financially viable, but I think the discount offers indicate desperation to get something before it becomes SB.

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The debt is for ~£8000, there is a PPI attached to the debt, and I had a letter from Original Creditor stating they would remove the PPI as they had not given me the terms and conditions when the loan was taken out. But when I contacted Original Creditor about this they point blank refused and I put the debt in formal dispute.

 

Last payment on account was December 1st 2008.

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The debt is for ~£8000, there is a PPI attached to the debt, and I had a letter from Original Creditor stating they would remove the PPI as they had not given me the terms and conditions when the loan was taken out. But when I contacted Original Creditor about this they point blank refused and I put the debt in formal dispute.

 

Last payment on account was December 1st 2008.

Agreed to refund PPI and then refused to do so?

Nothing more from the OC since the dispute was raised?

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I didnt know about the PPI really as it was tackled on without me realising,

and being stupid enough not to read through the documents properly.

 

 

when I got a letter from them saying our internal routines shows that you might not have had

the PPI terms and conditions through we're offering you to cancel it.

 

 

when I asked the local branch to do just that,

they point blank refused no matter how much i waved the letter.

 

 

I disputed it and refused to pay the debt going forward. This was roughly in December 2008.

 

I had a default letter through years ago, but no real attempts to contact me

no phone calls, no letters.

 

 

I had a letter from a DCA asking for £25k a few years ago which they had calculated based on 30+% interest or something, I just ignored that one.

 

I've also held a savings account with more money than the debt with HSBC which owns the OC (HFC) as I didn't know they could offset.

 

 

My current account, ISA, Credit cards and regular saving account is all with HSBC (First Direct) so It's not like I've tried to hide.

 

I believe in paying back what I owe, but I think I have a genuine dispute here.

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I didnt know about the PPI really as it was tacked on without me realising, and being stupid enough not to read through the documents properly. So when I got a letter from them saying our internal routines shows that you might not have had the PPI terms and conditions through we're offering you to cancel it. So when I asked the local branch to do just that, they point blank refused no matter how much i waved the letter. So I disputed it and refused to pay the debt going forward. This was roughly in December 2008.

 

I had a default letter through years ago, but no real attempts to contact me no phone calls, no letters. I had a letter from a DCA asking for £25k a few years ago which they had calculated based on 30+% interest or something, I just ignored that one.

 

I've also held a savings account with more money than the debt with HSBC which owns the OC (HFC) as I didn't know they could offset. My current account, ISA, Credit cards and regular saving account is all with HSBC (First Direct) so It's not like I've tried to hide.

 

I believe in paying back what I owe, but I think I have a genuine dispute here.

 

 

 

Did you get a Final Response Letter from the bank after raising the complaint?

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Nemo Mortalium Omnibus Horis Sapit: Animo et Fide:

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Did you get a Final Response Letter from the bank after raising the complaint?

 

I don't think I did. I certainly can't remember seeing one. I did move around a lot back then, but I kept HSBC up to date with my address. I don't know how well they share information between each branch of the bank though.

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my neighbour has had about 25 of those exact letters.

 

 

sit tight.

 

 

nothing you can really do or need too at the present with it.

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

DCA's view debtors as suckers, marks and mugs

NO DCA has ANY legal powers whatsoever on ANY debt no matter what it's Type

and they

are NOT and can NEVER  be BAILIFFS. even if a debt has been to court..

If everyone stopped blindly paying DCA's Tomorrow, their industry would collapse overnight... 

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I suggest, politely, you fo back to post one and re-read your thread.

 

 

everytime you get a threat-o-gram

you panic...don't.

 

 

you need to p'haps address your PPI paperwork and get that checked here ready to send it all.

 

 

no dca offers a 70% discount when they could goto court for 100%

 

 

think about it!

 

 

dx

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

DCA's view debtors as suckers, marks and mugs

NO DCA has ANY legal powers whatsoever on ANY debt no matter what it's Type

and they

are NOT and can NEVER  be BAILIFFS. even if a debt has been to court..

If everyone stopped blindly paying DCA's Tomorrow, their industry would collapse overnight... 

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