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    • there's no rule of thumb but rarely do you see lowells drop a claim until after the disclosures stage it just really depends upon what 'cards' they hold like enforceable agreement, DN, NOA etc etc however due to andyorch's excellent help - we see most discontinued...   one thing that also plays a part is when the card was taken out too. yours was taken out?   these will give you a good benchmark and also help with defence and after process   https://cse.google.com/cse?cx=partner-pub-8889411648654839:3134625398&q=lowell claimform vanquis won discontinued&oq=lowell claimform vanquis won discontinued&gs_l=partner-generic.12...166572.185174.0.188553.
    • On Monday the 27th of July 2020, i signed up with Anglian windows to work as a canvasser over in East London, the interview went well. I started working and had to use a app on the phone to make appointments. The deal was if i got a lead on the door and the salesman went round to the customer and and priced it i would get paid for it.  I started working the following week, i made leads, but i had problems with the app not working as well as it should, the app would give me results on my leads.  Long story but they where working some leads and forgetting to work other leads and not up dating the app, so i did not know my results. My wages where wrong and i decided i could not work for the company. I gave them over 20 leads and was only paid for 3.  I told them i was leaving, that was fine, they said they would work my leads and pay me, they even sent me a text message to say one of my leads has been priced and i would get paid for it.  No money was paid, i have sent messages to the regional manager and no answer, in the end i started emailing head office and they said they would look into it but i am getting nowhere.    What can i do.
    • Do try and keep up It was quite clear I was referencing any lingering hopes you may hold of rejoining the wretched institution
    • thanks, will do   after reading a lot of the other posts like you said to, is it a good defence statement that makes them think about dropping it?
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    • I came across this discussion recently and just wanted to give my experience of A Shade Greener that may help others regarding their boiler finance agreement.
      We had a 10yr  finance contract for a boiler fitted July 2015.
      After a summer of discontent with ASG I discovered that if you have paid HALF the agreement or more you can legally return the boiler to them at no cost to yourself. I've just returned mine the feeling is liberating.
      It all started mid summer during lockdown when they refused to service our boiler because we didn't have a loft ladder or flooring installed despite the fact AS installed the boiler. and had previosuly serviced it without issue for 4yrs. After consulting with an independent installer I was informed that if this was the case then ASG had breached building regulations,  this was duly reported to Gas Safe to investigate and even then ASG refused to accept blame and repeatedly said it was my problem. Anyway Gas Safe found them in breach of building regs and a compromise was reached.
      A month later and ASG attended to service our boiler but in the process left the boiler unusuable as it kept losing pressure not to mention they had damaged the filling loop in the process which they said was my responsibilty not theres and would charge me to repair, so generous of them! Soon after reporting the fault I got a letter stating it was time we arranged a powerflush on our heating system which they make you do after 5 years even though there's nothing in the contract that states this. Coincidence?
      After a few heated exchanges with ASG (pardon the pun) I decided to pull the plug and cancel our agreement.
      The boiler was removed and replaced by a reputable installer,  and the old boiler was returned to ASG thus ending our contract with them. What's mad is I saved in excess of £1000 in the long run and got a new boiler with a brand new 12yr warranty. 
      You only have to look at TrustPilot to get an idea of what this company is like.
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    • Dazza a few months ago I discovered a good friend of mine who had ten debts with cards and catalogues which he was slavishly paying off at detriment to his own family quality of life, and I mean hardship, not just absence of second holidays or flat screen TV's.
      I wrote to all his creditors asking for supporting documents and not one could provide any material that would allow them to enforce the debt.
      As a result he stopped paying and they have been unable to do anything, one even admitted it was unenforceable.
      If circumstances have got to the point where you are finding it unmanageable you must ask yourself why you feel the need to pay.  I guarantee you that these companies have built bad debt into their business model and no one over there is losing any sleep over your debt to them!  They will see you as a victim and cash cow and they will be reluctant to discuss final offers, only ways to keep you paying with threats of court action or seizing your assets if you have any.
      They are not your friends and you owe them no loyalty or moral duty, that must remain only for yourself and your family.
      If it was me I would send them all a CCA request.   I would bet that not one will provide the correct response and you can quite legally stop paying them until such time as they do provide a response.   Even when they do you should check back here as they mostly send dodgy photo copies or generic rubbish that has no connection with your supposed debt.
      The money you are paying them should, as far as you are able, be put to a savings account for yourself and as a means of paying of one of these fleecers should they ever manage to get to to the point of a successful court judgement.  After six years they will not be able to start court action and that money will then become yours.
      They will of course pursue you for the funds and pass your file around various departments of their business and out to third parties.
      Your response is that you should treat it as a hobby.  I have numerous files of correspondence each faithfully organised showing the various letters from different DCA;s , solicitors etc with a mix of threats, inducements and offers.   It is like my stamp collection and I show it to anyone who is interested!
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Hi all, not posted here for years!


So I've been working away an being young have neglected my credit as I've always been disinterested.


Now I'm home and settling down I have decided to pull my Experian Credit Report.


It is DIRE!


My score is 141 which translates as VERY Poor!


I have a total current debt of £4315.00





  • American Express: 2475.00
  • EE trading as T-Mobille: 1074.00
  • Royal Bank of Scotland: 500.00
  • Wonga: 266.00

The RBS is being paid at £50 a month at the moment. But


I'm currently tracking down details to contact the other companies or the agencies handling the debts.


I want these clearing ASAP so I can get my credit back on track.


I thought a good way of doing this would be with a debt consolidation loan.


Tesco have refused me already however a company called Aspire has 'Accepted Me'

I am to wait for a phone call.


What are the odds of this coming through? And how would you suggest I manage these debts to get my report better?


I am working at the moment, I just jumped into a shift job with a family member, Making anything between £800 - £1500 a month depending on shifts.


Any help would be appreciated greatly!


I am supporting my Girlfriend and could do with a credit boost here and there,

so far the only people who have given me a chance are Vanquis and I am managing the card very well.

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wont matter if you pay the debts off

it wont improve your score at all.


if the debts a re defaulted

then the defaults will kill you for 6yrs from birth

then the whole debt will disappear...


doesn't mean its not still owed mind.



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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Thanks for the reply...


So is there a benefit to me paying these debts off. Or will I just be in the same place in 6 years either way?

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Like DX says, if you have defaults marked on your credit file, then they stay there for 6 years regardless of whether you pay them off or not.


Obtaining further debt in an attempt to get yourself out of debt, is not the answer IMO especially these clowns!

Representative 58.5% APR (variable)

Borrow £5000 and pay £297.34 a month for 36 months. The Total Interest Payable is £5,704.24. The Total Amount Payable is £10,704.24.




When did you take out the CC with Amex?


What is the RBS debt? Loan O/D current account?


Have you reclaimed any fees/charges/PPI on any of these accounts?

Who ever heard of someone getting a job at the Jobcentre? The unemployed are sent there as penance for their sins, not to help them find work!



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Not sure if this is any help but

I was in a similar position about 6 years ago and was advised to go for a Debt Management Plan

(I found them through the Citizens Advise Bureau website).


I went through a company that contacted all my debtors (for a fee) and agreed to pay a set amount each month to clear the debt

- this stopped any additional interest being added to the amount and also stopped the letters from Debt Collectors pouring through my letterbox.


Although at the time this worked for me, in hindsight I wouldn't have taken this route

as one Mortgage company refused me a mortgage based on the fact that I had entered into a debt repayment plan

- and would only consider my application once I had left the plan for 12 months or more

- although this is not the case for everyone.


Although the defaults stay on your account, by making regular payments (regardless of how big or small)

it will go in your favour that you are seen to be clearing the amount.


It will also show on your credit report once the amount has been settled or satisfied -

even though the default remains on your account for 6 years so creditors can see that you have in fact paid the money owed on the defaults.


Some companies may be willing to negotiate and reduce the amount that is due if you agree to pay a lump sum.

(I was paying an agree amount to my debtors for a couple of years and once I was in a better financial position,

I negotiated to pay a reduce amount to clear the debt).


As already advised, defaults stay registered against your name for 6 years, regardless if you clear the amount in full.


Your best bet is to contact all the companies asap and come to an agreement to start clearing the debt

- this will also freeze the amount so no additional charges or interest will be added.


Hope this helps.

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we do not recommend using any fee paying DMC's.


you can do it all yourself for FREE


contact NDL, they will sort things a refer you to one of the FREE charities if necessary.


the bottom line is until the debt default reach 6yrs and the accounts vanish

the default will kill any major applications for credit like a mortgage


making small payments now, will make some difference, but ofcourse will also vanish when the above happens.


ok the debts will be smaller and p'haps easier to manage

but ploughing a lot of money

esp if this attracts extra interest, is rather a silly way to clear a debt.

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 totally agree with dx100uk - that you can do a DCM by yourself. For personal reasons, I found the whole situation very stressful so it was helpful to have someone take the load and do it for me. But if you are unable to do by yourself then definiately go for a FREE charity.

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  • 2 weeks later...

So is it worth my while paying off the defaults.



I worked out I can clear them all in 3 years affordably contributing equally to each.



It is that or just let them fall off my file.



Either way am I correct in understanding my credit will not change for 6 years from the defaults?

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it will make no diff to your credit worthiness no




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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