3 communications Lowell (02 mobile) £900 DEBT

[clairemul]

any advice on this debt please

 

 

HUSBAND DEBT 3 communications Lowell (02 mobile) £900 DEBT

On all CRAs

Start date 6/6/2010 defaulted19/12/2010 updated 24/11/2011

This started as 02 mobile debt which was passed to Lowell think they own it as its them on CRAs file . first leete off Lowell on 6/10/2011 then went to mucky hall 16/1/2012 then advantis 16/4/2012 last letter from debt managers(services)ltd dared 18/4/2013 doorstep visit letter.

Edited January 3, 2014 by Conniff

[kirkbyinfurnesslad]

What do u need? U have posted virtually the same thing many times

[dx100uk]

how come its £900

 

any ideas?

dx

[clairemul]

my husband says the debt started off around £180 and is gone to this it was 18month phone contract that basically 2 months were paid then he couldn't afford to keep it up

 

 

what should we d with this one to get ball roliing what actions are first thanks

[clairemul]

ano didn't know I had to put them all down as seprate threads

 

 

new to this site

[clairemul]

help with what to do as as a starting point ?

[clairemul]

should we write to 02 or Lowell ?

 

 

what letter shall we give please ?

 

 

Any help on this one would be greatly appreciated as this Lowell one is worrying us thanks

[dx100uk]

it might pay you to SAR o2

 

get all the info

[clairemul]

extremely worried as LOWELL own this debt just received letter

 

 

from Bryan carter solicitors stating that.......

 

 

we must contact Frederickson international within 14 days or they will recommend proceedings against us

 

 

now this has been passed to Fredrick son now bryan carter are writeing out stating that

 

 

this debt is £900.43

court fees will be £55

solicitor costs £70

new total will be £1025 this debt started out with 02 at around £180- £200 no exactly sure....

 

 

im really worried what to do here ?

we are awaiting money to send out all the SAR for all are debts wich total cost will be £180 for cca and sar to send them all out wich will be next week end of month

 

 

been reading a lot into Lowell and they sound ruthless

 

 

what they do to people

 

 

can anybody help please give us some advice what to write to save this going to court

while we wait for money to send sar and cca letters

were realy scared here this debt started at around £180-£200 now there saying ity can go upto £1025 we have 12 days to reply

 

 

thanks guys

[dx100uk]

deal with one debt at a time...

 

don't forget you don't need to send multiple copies of the sar

 

if you have several debts with the same bank or 'group'

you only need one.

 

seen that carter letter lots of times

 

scan it up please

 

**you can post up images/letters by this method immediately..you don't need 10 posts**

.

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

but leave all monetary figures and dates.

.

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

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

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

.

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 http://www.freepdfconvert.com/

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

...

YOU DONT have to put a link to the attachment in the msg box..just upload it ..job done

.

dx

[dx100uk]

just remember here this has been going on for 3yrs now..

 

ask yourself WHY

o2 didn't take it to court?

 

ask yourself why after 3yrs and numerous threat-o-grams they haven't..

 

its all mostly bluster.

 

dx

[clairemul]

Thanks for your prompt reply dx

 

 

im setting up letter now

[clairemul]

Hope this is uploaded right its in attachments for this post hope you can see it dx

[clairemul]

Yes its up

 

 

what sould we do

 

 

what should we reply with ?

[clairemul]

Can anybody help please ?

 

 

Were very worried ?

[dx100uk]

nothing to worried about

 

just a std threat-o-gram

 

if.may.instructed

 

never will!!

 

got 14 copies of that letter

since 2010 over 15+ debts.

 

never usually goes anywhere

 

did he ever cancel with o2

or have any issues with the phone etc

 

I would not be responding at this stage or ever.

 

dx

[clairemul]

He never cancelled with o2

 

 

thanks for info ill update all threads once we send the SARs out thanks DX

[sirbob10]

Hi

 

Just a quick thought. You say only 2 months were paid of the 18 month contract. What will have happened is that the 16 remaining months would have been billed so whatever the monthly contract was then x the remaining months. That's why the bill is so high.

[dx100uk]

but does not mean is needs paying

 

dx

[sirbob10]

I understand this I was just trying to offer some insight as to why the bill got so high.

[clairemul]

DX we were reading in another thread that this Lowell combined 3 debts and it total combined which was over £1500

 

the thread was an excellent read but this lady who the respondent kept referring to as Watson was sent to hell and back with Lowell for charges it appeared

were just fraudulently placed on her and social services were involved to seek possession of her adopted child

and they also seeked to take her home ...

...you may recall the thread I no this is not the same with us but........

 

now this is are concern that we have 3 debts with Lowell and they will merge all 3 separate debts to combine 1 figure

 

as its are understanding that if the debt is £1500 or more then they can apply for bankruptcy for us (quote me please if were wrong)

 

we are very concerned that lowell own 3 of are debts and the combined total will exceed £1500 if they merge them together as they did in WHATSONS CASE

 

what can we do now to protect us from the same ?

 

what should are course of action be ?

 

we are extremely worried here thanks dx

 

ps your prompt replys and advice has been are light at the end of the tunnel thank you dx your a decent soul .........

[dx100uk]

you mean the wendyboats thread and the mould help there.

 

that's being dealwith

it only got that far as the poster came to us late

 

merging debts is very very rare

and typically does not happen

esp where by sone are credit agreements & some are not.

 

ie card debt abd catalogue debt, merged with a phone debt

[which is not covered by the CCA that the first two are.

 

my neighbour has 18!! debts with lowells totally over £15k

they've never done a thing is 5yrs.

 

there are very few threads here that show they ever go anywhere

with a mobile debt, whereby, they are claiming the full contract term

where say its obv the punter didn't use it after a couple of months

 

the other thing to think about is

 

whats the point when they can see the punter has several debts!!

 

and its been 3yrs now.

 

pers i'd be sitting on this

 

dx

[clairemul]

thanks dx again your time and effort is very curing in this difficult time we are in thank you soooo much X

 

that clears things up

 

 

do you still recommend I sar and cca them ?

[dx100uk]

this is a mobile phone debt

it is not credit

so is sadly not covered by the CCA

 

you can SAR o2 yes.

[clairemul]

thanks dx understand will do asap ill imput all the outcomes on the site for your advice

 

 

cheers friend