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    • Hello and thanks for taking the time out to review my problem.    I was at an ATM I use occasionally. Plugged in PIN and amount, the cash machine whirred opened and closed a few times then said ‘thanks for using’.    I contacted my bank immediately and they have started a dispute. This seems to be a common problem from what I gather reading about this now it’s happened to me.   It seems a bit odd that I have to wait so long to get my money back, if I get it back at all.   Surely they should be able to check the camera and see that there was obviously something wrong and no money dispensed?    is there anything I need to know so I don’t get shafted here by the ATM owner or by the bank dispute?
    • but they didn't remove them 'because' you agreed to pay or continue to pay + i bet they are over 6yrs old anyway and thats why they were removed.     who were 'they' you complained too..
    • they didn't Lloyds did upon or before sale,    anything that they can use to ID its YOU here on CAG, inc AC / ref no's and QR or Barcodes or little numbers down the edges. leave all figures dates etc etc .
    • Trouble is I cant do that though - I absolutely have to be able to get a mortgage at the end of this year and if theres a DMP or "arrange to pay" on it then I cant.   Understand the ones past the default + 6 years cant start reporting but I assume by your answers that the ones that dont have a default date can. This effectively means I will need to carry on paying those 4. I am thinking stop the DMP - make a personal arrangement with the 4 that arent defaulted. At least it will have more than halved the payment - unless there is a way of guaranteeing that they wont re-appear.
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    • Hi @BankFodder
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    • Hermes and mediation hints. https://www.consumeractiongroup.co.uk/topic/428981-hermes-and-mediation-hints/&do=findComment&comment=5080003
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      • 33 replies

JD Williams Marisota Debt sold to Lowells


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looks enforceable

 

 

they'll be no sig anyway as its post apr 2007

 

 

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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  • 4 weeks later...

So I've set up a payment plan with them.

 

 

Today I received a letter from Lowells with all my outstanding accounts with them (3 in total)

- 2 of which I am paying because they've adhered to the CCA.

 

 

One of which is the O2 account which I am not paying because of the information received from O2

(they cannot find anything on me as it was so long ago;

I did a SAR a while back but Lowells are insiting they can get something from them).

 

In the letter I stated that I can only work part time due to a medical condition. I have Rheumatoid Arthritis.

 

They have requested a letter from my GP or an appointment letter to my specialist.

I am so against giving them anything like this because I feel it impinges on my privacy. Any advice?

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none of their ruddy business

 

 

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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Thanks Dx (as usual). I'm going to write to them giving them a copy of my marriage certificate so they can change their records. Should I say to them that I will not provide the medical information?

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pers I cant see why you are sending anything to them

 

 

remember a dca is not a bailiff

and has

no such legal powers

 

 

 

 

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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Share on other sites
  • dx100uk changed the title to JD Williams - UKSearch - now Lowells

open

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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Share on other sites

where the CCA return please

 

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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pretty much the same MO as the vanquis debt

things have changed

send them a new CCA request

its interesting you have 2 recons there

one for marisota

and one JDW

 

are the both the same date?

and you say neither ids signed by you

nor 

any indication of internet sign up?

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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Share on other sites

Yep! I always thought I got that because the account I had then was Marrisota but when the marriage issues happened and back in 2015 when I was initially trying to get this all sorted out the “debt” paperwork was all JD Williams - aren’t they the “parent” company?

 

I will check the dates. 

 

so do I stop paying while I do all the paperwork? 

Edited by Big1978
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await the new cca return.

 

 

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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Share on other sites
  • dx100uk changed the title to JD Williams Marisota Debt sold to Lowells
  • 1 month later...

Got this today. 
 

We’ve been happily getting Mail all through this pandemic....

 

I’m still paying them even though this is ongoing. I just wonder who does their payments received work. I have all the reference numbers on the standing order. 

JD Williams.pdf

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Stop paying!!

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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  • 1 month later...

Since I stopped paying Lowell’s have sent me x2 missed payment letters for the Vanquis account but not this one. 
 

Should I write to them asking for an explanation as to what they’re playing at?

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i wouldn't invite pointless letter tennis

yours is not the next move 

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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