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    • I see on November 8 I suggested that you read around all the stories especially the Hermes stories on the sub- forum. Yet you just have reported that you wrote them and suggested that you go to some kind of ADR. Why is that? Have you seen that mentioned in any of the stories on the sub- forum? What ADR did you have in mind? Do you think that such a scheme exists anywhere? We would love to know. If you want to move on with this then you need broadly to follow the advice here and that begins with reading all the stories and then taking the same path. Sorry to say but you've wasted three weeks. If you want to take control of this then you need to read the stories, take the suggested action. My site team colleague above has suggested the next step although that was clear from many stories which are already on this sub- forum
    • Update:  Apologies, it's a bit of a lengthy read.  I’ve been back and forward with Virgin Media after requesting a SAR using their online request form.    I didn’t wish to provide proof of my current address.  The SAR is in relation to my Virgin Media account at my previous address.   I don’t have any utility bills from my previous address so I sent alternative documents with my address in an attempt to prove my identity.  These were not accepted.  In addition, I’ve provided a copy of my driving licence with my old address details and am currently awaiting a response.   Time is ticking so after taking advice to support a mortgage application  in an attempt to improve my credit file I ended up phoning Virgin Media (recorded the call) .  The outcome of which was that I paid but this has not been positive for my credit file.    I spoke to an advisor and was asked if I wished to pay the £75.15.  I explained as per original post, said I didn't owe the outstanding amount etc.   I can enter details if it would be helpful.  I was told that it is not in their hands now, that I don’t owe virgin media, it’s been written off now.  Again, I was told that I don’t owe Virgin media anything.     I explained that my credit file went from 0 missed payments to a default of £75 after raising a complaint and that I received no information as to what the outstanding amount was for.  I stated that my post had been subject to re-direction with Royal Mail.  I re-iterated my complaint and what I wanted to resolve it.  I was advised that Virgin media don’t deal with that, so I asked if there was a department who does deal with that?   I was then transferred to the collection team where I explained everything again.  I was advised that the last bill was already generated on their system.  On reflection, I don’t understand how it was the last bill if they’re saying they did not receive confirmation that I cancelled.  I re-iterated through out the call that I was not aware of what the £75.15 outstanding charge was for, that it was different to my usual monthly bill and that my credit file was marked as up to date until I raised a complaint.  Then a default appeared and I don’t know what it’s for?   I was told that if I paid today that Virgin Media would remove the default.  They would accept payment today and it would be removed from my credit file.  I went back and forward re-iterating my issues.      I was told it  had already been through the process, it was final and so the money has to be settled. I was also advised that my account had gone through valid processes.  I said that there were issues with processing requiring an explanation as I’d not been advised of any charges and re-iterated the issues; credit file, DCA’s requesting differing amounts, correspondence, complaint responses, lack of compliant responses;cancellation, lack of response to 2 deadlock request letters.     The advisor then gave me her word that the default would be removed from my credit file if I was willing to pay today. She said I have her word. I asked for clarity that if I paid that she was stating that the default would be removed and not marked as satisfied.   She assured me it would be removed.    The advisor acknowledged there was still an open complaint.  I asked if she was saying the best she could offer me today to resolve my complaint was that I pay and the default be removed with no other explanation to the issues raised. She said she guaranteed that if I Pay 75.15. you have my word it will be removed when we receive payment.  They could not tell me what the bill was for nor provide a breakdown only that it had been generated.   I said it didn’t resolve my complaint, but I would pay based on what I’d been advised regarding my credit file.  I asked for the complaint be kept open as it was not yet resolved.  I asked for an email address for customer service, complaints, or the person dealing with my complaint.   I was told they don’t have a customer service e-mail address and that they are the complaints team as well.   Again, I stated the compliant was not resolved.    I asked how it could be resolved and  I requested an e-mail address/contact number for customer service/complaints/phone number.    She did offer for an advisor to call me back.    It’s been two weeks since I paid.  I remained on the phone while she said she was requesting the removal of the default.  However, the default remains outstanding on my credit file.  I didn't  receive a receipt as advised.  The money has been taken from my bank account. I have not received any correspondence either.   I'm awaiting the SAR still. 
    • Thank you. As there doesn't seem to be an address in their website, is the Companies House  address the correct place to send the letter of claim? https://find-and-update.company-information.service.gov.uk/company/01421773        
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BPO/Lowellletters old Barclaycard debt poss SB'd


bluebear1872
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Hi there I came home tonight to a card through my door from Fredrickson stating in big bold letters.

Confirmed Resident.

And that if I don't contact them they will pass it to solicitors to start immediate litigation proceedings.

Is this another one of their threat o grams and should I jus ignore as I do with the rest.

 

A brief history is that Fred's are trying to collect on behalf of Lowell For an alleged Barclaycard debt

 

I say alleged because I did have a Barclaycard that I defaulted in 2009

And although the amount Lowell are claiming is similar.

It's not the same. as is the barclaycard account number they have stated.

 

Similar. But not the same.

 

So as far as I'm concerned this isn't my debt and it's upto them to prove otherwise

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i bet it does not say line 3

 

who owns the debt

 

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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Nope it was in an envelope with just my name and address present. With a PO box return address for Kingston upon Thames onthe back.

 

And no nothing about the owner of the debt

CONFIRMED RESIDENT

 

My Name. Date. Dec 12

My address Re Lowell financial ltd

Our ref. xxxxxxxx

 

This account is seriously in arrears anD you have failed to reply to correspondence or make a payment arrangement despite trace enquiries showing you as living at this address.

Contact us now on xxxx xxxxxxx to arrange a payment or your account will be passed to solicitors with authorisation to proceed with immediate litigation proceedings against you at the above address.

 

It was on a nice bright yellow card. I expect the next on will be red

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Personally I would wait to see what the next letter says. Although it says WILL be passed to solicitors it does not say we WILL issue proceedings in court. The "solicitors" are usually a letterhead rented and sent out by the person on the desk next to the one you got your "postcard" from.

 

In the meantime, I would get a prove-it letter ready. From the library:

http://www.consumeractiongroup.co.uk/forum/content.php?428-General-debt-letter-if-you-know-nothing-of-the-debt

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i've had 3 of those over the last 18mtd

they never go anywhere

 

who OWNS the debt on your CRA file?

 

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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Ok this from noodle. Barclaycard default date 10/12/09. Last payment apr 2009. In feb 2011 debt reduced by £1 Marked as satisfied. End date June 30th 2011

 

Lowell listed as lender (who claim to be collecting on behalf of barclaycard) register the debt from June 2011 along with defaults listed. Date of default the same as barclaycard Account numbers for both are different

I also don't remember getting a notice of assignment from Lowell for this Though I have moved so they may have sent it to a previous address

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I had one of their yellow cards thru recently. I wrote back to them congratulating them on them being able to confirm me as a resident (I pointed out that it could have been from a previous letter I sent lol)

 

I sent it back on some nice coloured card too and covered it with sticky stars.

 

They soon passed the debt back to which ever OC it was...

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Lol. Well iv never "confirmed" anything to either Fredricksons or Lowell. Iv never responded to any of their threat o grams And as I live in Scotland and the debt will be Sb in just over a year, I have no intention of getting involved in letter ping pong with them either if I can help it

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Also whilst I mentioned the default dates. Is there a set period for a default to be registered after the date of the last payment. Say 6 months or is it upto the creditor. So they could claim that 9-10 months is a reasonable amount of time?

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typically 6mts

 

BTW:

 

are you saying this debt is listed TWICE on your CRA file?

 

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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thats what it looks like barclaycard last payment apr 09 default date dec 09 amount reduction by £1 feb 11 acount showing as settleed on noodle june 11

 

llowel register a debt for the same amount june 11 showing as a default no notice of assignement recived to my knowledge account number lowell claims is barclycards is different from the barclaycard one thats showing as settled

dunno if this makes a difference

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something is not right here

 

so on your cra file

 

there are to separate barclaycard accuonts with differing numbers?

 

have you checked another cra ?

 

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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ok checked experian

 

no entry from lowell on there

 

the barclaycard debt is showing with the same balance and default date it also says assigned cais member

 

on noodle they also list the last 4 digits of my account number as do lowell

 

for example barclaycard xxxx xxxxx xx 5432

 

the one quoted by lowell in their letters and reported on noodle is similar but not quite the same ie xxxx xxxxx xx 5364

 

these aren't the actual acc nos i made these up for reference only

 

so i guess either lowell have screwed up with the data regarding the account or quite possiby its a different account althogther

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so did you have two barclaycards then?

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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so trying to get to the bottom of this

 

are there TWO accounts listed on any CRA file for this 'possibly the same' barclaycard?

 

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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Ok I have 2 cra reports. Noodle and experian

On experian. Barclaycard. Default amount £1690.54 default date 12/7/2009 no account number listed. Account marked as settled 12/7/2009 Marked as assigned to cais member

 

On noodle. Barclaycard Default amount £1690.54 default date 12/7/2009 acc no xxx xxxx xx5432 marked as settled 12/7/2009

 

Lowell default amount £1690.54 default date 12/7/2009 acc no xxx xxxx xx5364. Default listed as active for Lowell from 12.7/2009 No other info regarding owner of debt

 

However in letters from Lowell to my home address they claim to be collecting this debt on behalf of barclaycard

 

Balances dates and account numbers for illustration purposes only

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ok now makes sense

 

i'd CCA lowlife then

 

they've offered a discount anyway, so they'll not do court.

 

then if it transpires it IS the same debt & i think it is

 

the ONE of them need to go

 

a DEBT cannot be listed twice on your cra file.

 

as the default date is the same id say it is anyhow.

 

on noddle does it give the pop down arrows with histories

 

compare those

 

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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  • 3 weeks later...

Hi again.

 

Due to being exceptionally busy with work and Christmas I've not yet had a chance to CCA lowlifes.

 

This morning I received a letter from Fred's.

 

a letter before action stating I have seven days to pay or they WILL initiate court proceedings.

 

Should I still go ahead with the CCA to Lowell or should I fire off the prove it letter to Fred's first.

 

Just to let them chase their tails for a while :)

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You need to get the CCA request off for sure.

 

I got the impression from an earlier post that Lowells were only collecting on behalf of B/shark .. if this is true then they are not able to issue a claim in their own right.

 

I wonder if it would also be worth sending the following letter to establish ownership of the debt !

 

[ATTACH=CONFIG]40196[/ATTACH]

I also notice from an earlier post that the debt had been reduced by £1.00 at some point. Was this money you had sent as a token payment or was it in respect of a CCA request ?

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The debt was Barclays.

It now shows on my credit file as satisfied.

 

Lowell have from the day after that registered a debt for the same amount and the same initial default date

however the account numbers for both these debts are different.

 

I've never sent a cca request before so I don't know why there was a £1 reduction. It certainly hasn't come from me

 

So should I just ignore Fred's letter and just go straight to Lowell with a cca.

 

Or should I send off the letter to Fred's first?

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conplain it shows twice to the cra people

 

fred dont own it

so cannot do court .

 

scan the letter up please.

 

cca to lowlife too

 

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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