Tesco mobile have sold debt to Lowell

[Lewt]

Hello,

 

In 2011 I went on holiday to Egypt.

 

The bill came in at over £4 per MB.

 

I spoke to Tesco and we agreed a different figure than the £400+ that the originally wanted.

 

I also got my pac code as I was out of contract, asking them to send me a revised bill. Which they never did.

 

Since then I've had a couple of different collectors send me letter

but they've pretty much always gone away when I asked them to 'prove it'

 

I've now had a letter from Lowell who inform me they have bought the debt

and that I should now deal with them.

 

They've told me Tesco Defaulted me and that this would not transfer to them.

 

I've checked my Credit file and it shows that Tesco but four late payments in 2011 and then a default.

 

However it shows this account as settled in Feb 2014 with nothing in-between.

 

They've informed me, time and time again that I need to pay this it'll affect my credit rating,

is this correct if the original account is showing as settled,

 

can they just open a new one on my report and default that?

 

Is the best thing to do send them another prove it letter?

 

Any advice is appreciated.

[dx100uk]

its normal for the original creditor to show £0 & settled when they sell a debt on.

and the debt buyer enters their own account on the cra file.

 

the default and the late payments will be harming you yes.

 

I hope you are not speaking to them on the phone.

 

as for paying it

 

if Tesco sold the debt

 

it typically indicates there IS something wrong.

 

as they are not confident enough to do court.

 

you need to sort this with tescos first

 

p'haps an sar?

 

dx

[Lewt]

Would a prove it letter not be enough?

[Lewt]

And Tesco don't have the account any more? What's the point in speaking to them, i don't understand?

[Bazooka Boo]

And Tesco don't have the account any more? What's the point in speaking to them, i don't understand?

 

So as to ascertain why they sold it on.

 

Send them a SAR (enclose £10 fee)

 

As for lowlifes, they absolutely love mobile debts as they incorrectly think they can't be argued against.

 

You need to see exactly what charges Tesco have applied to the account, you can then either remove them yourself off the total balance OR argue the case with Tesco and have them remove them that way.

 

A simple 'prove it' or rather a 'disputed' letter to Lowlifes is all that is needed, then ignore them until you receive the SAR.

[dx100uk]

you need to sar Tesco.

 

if you wish you could inform lowlife the balance is in dispute with tescos..

 

and you are investigating

 

you could in corp the two yes in a prove it letter

[Lewt]

the plan is to SAR Tesco mobile,

 

and also to let lowells know that I'm disputing it?

 

They're saying they now own it.

 

Does that not mean my argument is with them and not Tesco?

 

What I don't want them doing is ruining my credit file while I deal with Tesco, will this stop that?

[dx100uk]

its already ruined by tescos

too late to do anything about it.

 

dx

[Bazooka Boo]

Don't worry too much about your CRF,

[Lewt]

It's actually showing as 'fair' at the moment. the default Tesco put on was in 2011 then nothing until they entered settled in feb of this year.

[Lewt]

Where is the best place to get the 'in dispute' letter from ? I'll get both in the post tomorrow.

[dx100uk]

green library tab top left

 

dx

[Bazooka Boo]

Just your own words really,

 

Dear Bill&Ben,

 

NO DEBT IS ACKNOWLEDGED TO YOU OR YOUR CLIENT.

 

I refer to your latest letter dated dd/mm/yyyy the contents of which are noted.

 

This account is subject to dispute between the creditor and myself, as such no further correspondence will be entered into with you.

It will be in your interest to return this to Tesco.

 

This matter is closed until such time the dispute has been rectified with Tesco.

 

Regards.

[PRINT NAME]

[Lewt]

Thanks guys,

 

I'm just concerned if they 'own' the debt then it's no longer a case of giving it back to Tesco?

[Bazooka Boo]

They pass these things round like pass the parcel, if it isn't in their financial interests to pursue it, then they will flog it back to them.

 

Forget lowlifes, your issue is with Tesco, they need to take responsibility for their actions.

If you had an agreement with them and they then flogged it on then that is there lookout.

[Lewt]

I just don't want either of them making my credit report worse than it already is. I'm worried Lowells will start adding to it

[dx100uk]

doesn't matter

 

if you have a defaulted date in the summary line

 

then theres no more harm can be done

whatever they put on there

that will kill you till the default reaches its 6th birthday.

 

dx

[Lewt]

I've posted both letters today. Let's see what happens.

 

 

Thanks guys

[Lewt]

HI Guy's,

 

I heard back from Tesco mobile.

 

They returned the postal order I sent them and have given me a form to fill in to 'confirm ownership' and prove I am the account holder.

They are asking for...

 

Who is the Data Subject (addy, phone etc)

 

Am I the Data subject

 

What documents I must send or produce to confirm the data subjects identity

 

one of the following

 

• Copy of the purchase receipt of your sim card
  
• 3 months of printed copies of your bill printed from your online account (1st page overview only)
  
• copy of bank statements with the last 3 months billing from Tesco mobile
  
• The actual SIM card (if sent this must be sen recorded delivery)
  

Then is says

'Our search for information relating to the data subject will be based on the information provided below

Please let us know the information you require.

 

Then it's asking for my signature, to confirm I am the data holder and also a postal order made out to Tesco mobile,

which is frustrating as I sent an uncrossed one.

 

To be honest, I thought I'd already asked for what I wanted which was all data they hold on me.

 

I do not have anything that they ask for

as I cannot log into the account and

 

am hesitant too even if I could

as do not want to be seen to be acknowledging that I even have an account.

 

the contract and all payments relating to it were made,

 

hence getting my PAC code it's the charges they are selling off to the highest bidder.

 

Are they just messing about now?

 

If anyone has any advice on what I can send back I'd appreciate it.

[dx100uk]

cant see why acking the account makes any odds here

 

you should sign the sar

p'haps send them a current CTAX bill.

 

indicate you wish the info surrounding this

 

and include a copy of say lowlifes letter

 

and that you dispute the level of the debt

so need the info.

 

dx

[Lewt]

Thanks,

 

would I fill the form in for just rely with a letter that contains the information?

[dx100uk]

give them their silly form

 

and send another sar letter too

 

dx

[Lewt]

UPDATE

 

I've had letters from Lowells saying they are suspending collection and speaking to Tesco.

 

Tesco have replied today to say that their form completed and my Passport wasn't enough for them to process my request as I have not provided the proof of ownership that they require, which is required to comply with the data protection act.

 

The only acceptable proof of ownership they can accept is

 

one of the following

 

- copy of the purchase receipt of your sim card

- 3 months printed copies of your bill printed from your online account

- copy of bank statements with the last three months billing from Tesco mobile

- The actual sim card

 

Is this just something they've made up because i've told them the sim was binned when the contract ended in 2011, the statements of either the account of the bank account are unavailable. However, I have cleared out my office in between all this and found the contract, and receipt. It is a receipt for the phone which was a 32GB iPhone back in 2010. Do you think that will cover the receipt side of things?

[BRIGADIER2JCS]

UPDATE

 

I've had letters from Lowells saying they are suspending collection and speaking to Tesco.

 

Tesco have replied today to say that their form completed and my Passport wasn't enough for them to process my request as I have not provided the proof of ownership that they require, which is required to comply with the data protection act.

 

The only acceptable proof of ownership they can accept is

 

one of the following

 

- copy of the purchase receipt of your sim card

- 3 months printed copies of your bill printed from your online account

- copy of bank statements with the last three months billing from Tesco mobile

- The actual sim card

 

Is this just something they've made up because i've told them the sim was binned when the contract ended in 2011, the statements of either the account of the bank account are unavailable. However, I have cleared out my office in between all this and found the contract, and receipt. It is a receipt for the phone which was a 32GB iPhone back in 2010. Do you think that will cover the receipt side of things?

You can only try.

[Lewt]

Hi all,

 

I've posted this back the day after I last posted in this thread, yet I've not heard a thing back from them? What do we do if they just ignore a request?