lowell/carter claimform - disputed Vodafone 'debt'

[46m]

Had a contract with Vodafone that was ending

 

I called and went on a rolling month by month until I decided on a new contract.

 

I then decide to go to orange for whether deal.

 

I called Vodafone

To ask for the PAC code as I would need to unlock the phone ,

I was told this would not be given until I paid the outstanding balance of 52 pounds

I did this by debit card and was given the code.

 

I also asked her to confirm I owed nothing else which she did.

 

I received a letter from Vodafone saying I owed 182 pounds ,

I called them and explained the breakdown of the bills I paid

then explained the conversation I had regarding the PAC code

 

at this point he said there is nothing he can do

and its gone to a debt agency then hung up!

This was in 2013

 

I have received many calls over the months

I explained the same as I have here at first

but since then I have had four different agencies and ignored them

 

.I have received a letter from the county court in Northampton...issue date 22nd of Jan

 

..can anyone pls help

 

the amount has changed from each Agency and

 

now is over 250 with a solicitors charge from Bryan carter!

 

Pls help 46m

Edited February 4, 2015 by citizenB

[citizenB]

http://www.consumeractiongroup.co.uk/forum/showthread.php?419198-You-have-received-a-Claim-What-you-need-to-do.-**UPDATED-December-2014**

 

As you have received a county court claim, you will need to act swiftly.

 

Have a read of the link I have provided above, then provide answers to the questions asked.. in this thread. Then I can find someone to help you.

[citizenB]

Do you have or can you find the statements in respect of the payments £52.00 you paid ?

[46m]

Do you have or can you find the statements in respect of the payments £52.00 you paid ?

 

Hi I'm not sure tbh I could ask the bank its been a while.

Can I ask Vodafone for all the phone conversations ?

Should I call Bryan carter and explain this or would that be pointless?

Thanks in advance

[citizenB]

Have you read the link I provided for you in post # 2 ? Can you please answer the questions in that link and post them here - then we can help.

[46m]

This claim is for 182 the amount due under an agreement between the original crediitor and the defendant .

 

This debt was assigned to /purchased by lowellportfolio ltd on 05/09/2013

 

Issue date 22 Jan 15

 

They are also claiming 14.60 interest 25 court fee 50 solicitors costs...total 272

 

Mobile phone bill

 

After 2007

 

Claim is not by the original creditor

 

I received a notice from Vodafone and called them ...

I even received the PAC code to unlock the phone as I had paid in full

 

I'm not sure of my last payment ,should I call Vodafone ?

 

I had long conversation explaining the whole situation and going through the dates of payment

...at the end the agent for Vodafone said its gone to a debt collector and hung up..

.is it possible to get the phone conversations from Vodafone?

 

What's a CCA pls ?

And as its a mobile phone issue what do I do now ?

 

Thanks 46m ...very stress full

[citizenB]

Righto your timeline is as follows..

 

Date of issue - 22.01.2015 + 5 days for service = 26.01.2015 + 14 days to acknowledge the claim = 09.02.2015 + 14 days to submit a defence = 23.02.2015.

 

yes, you can telephone Vodafone and ask when the last payment was made to the account and the amount paid and for what reason.

 

You would need to make a Subject Access Request to Vodafone for the telephone conversations, and TBH

 

Have you checked your credit files - any payment should be recorded there I would have thought.

 

You MUST acknowledge the claim by the date I have advised above - you can do this online.

 

I suspect your defence will likely follow what information you have provided already in that as far as you are aware, there is no debt as you paid all you owed, as they wouldn't allow you the PAC code until you had !

[46m]

Righto your timeline is as follows..

 

Date of issue - 22.01.2015 + 5 days for service = 26.01.2015 + 14 days to acknowledge the claim = 09.02.2015 + 14 days to submit a defence = 23.02.2015.

 

yes, you can telephone Vodafone and ask when the last payment was made to the account and the amount paid and for what reason.

 

You would need to make a Subject Access Request to Vodafone for the telephone conversations, and TBH

 

Have you checked your credit files - any payment should be recorded there I would have thought.

 

You MUST acknowledge the claim by the date I have advised above - you can do this online.

 

I suspect your defence will likely follow what information you have provided already in that as far as you are aware, there is no debt as you paid all you owed, as they wouldn't allow you the PAC code until you had !

 

I have checked noddle

 

 

I have one for vodaphone of 182 and

 

 

one for Lowell of 34 no idea why its the same ref .

 

 

I paid the final payment that was asked by debit card to Vodafone,

 

 

then received the PAC code..

 

 

..I have not paid any money.

[46m]

I have checked noddle I have one for vodaphone of 182 and one for Lowell of 34 no idea why its the same ref . I paid the final payment that was asked by debit card to Vodafone,then received the PAC code....I have not paid any money.

 

should I fill the challenge part in and see what happens ?

 

 

Would it be in my best interests to call Bryan carter to explain (or is that pointless)

 

Do lots of people pay just to stop the hassle ,

 

 

as I feel like doing but really it sickens me

[citizenB]

There is absolutely no point in telephoning Bryan Carter.

 

You need to follow the instructions on the claim form and log in to MCOL (moneyclaimonline) - acknowledge the claim and tick the box to say you are going to defend all you will then have more time to gather information and then submit a defence.

 

I will alert others on the site team to look in with more advice.

[dx100uk]

should I fill the challenge part in and see what happens ?

 

 

Would it be in my best interests to call Bryan carter to explain (or is that pointless)

 

Do lots of people pay just to stop the hassle ,

 

 

as I feel like doing but really it sickens me

 

 

paying does not ever stop the hassle

if anything it increases it.

 

 

you need to understand the games these companies play

 

 

they issue 1000's of 'speculative claims' every week

hoping for a non contested default judgement.

 

 

that way they don't have to show any paperwork or proof the debt is owed whatsoever

the claim is simply rubberstamped.

 

 

you've found cag.

 

 

we always question everything

 

 

you MUST defend all

leave juris unticked

 

 

dx

[46m]

Juries unticked?

[dx100uk]

jurisdiction

[dx100uk]

so have you now completed AOS?

 

 

dx

[Lee Vodafone Company Rep]

Hi 46m,

 

If you'd like me to take a look at the account, email me with your details via the Contact us form here and quote the code WRT135 - CAG Forum in the subject line.

 

Once sent, you'll receive an automated reply with a reference number. Post back with this and I’ll check I've received it.

 

Kind regards,

 

Lee

 

Social Media Comms

 

Vodafone UK

[46m]

I sent in the defence..i have now recieved a small claims questionare.

by the court and by the solicitor of lowell.

pls help

[46m]

Sorry it's been a while ..just to add I also received a letter asking to call

Carter and negotiate a settlement ,I find this odd as I have submitted a defence

Expressing I don't owe anything!

Pls help me clear this up as I have a lot of other stress in my life at the moment .

Regards

[dx100uk]

well you DONT EVER contact farter

 

 

prob last ditch attempt o fleece you before he has to fold.

 

 

I take you you've got the N180 form too

 

 

dx

[dx100uk]

we need to see you defence too

[46m]

Yes I have one from the Northampton court .

 

And I have the copy of the Carter's.

 

So should I go to medeation ?

 

What is it going to cost if I go to court and lose (extra)

 

As the debt has increased by over 100 pounds .

 

Will Carter's need to prove I haven't paid it or will I have to find the proof from Vodafone I have .

 

Thanks for your reply

[dx100uk]

yes to mediation

 

 

carter has to prove the debt not you

 

 

did you speak to lee as detailed above.

 

 

dx

[46m]

No not sure if I have to log in to Vodafone ..as I have no details now

 

I'm sure I have posted my defence..

 

I called Vodafone at the end of a two year contract to ask for the Pac code .

I was told I would be given it after full settlement of the contract 52pounds..

I paid it by debit card ...and was given the code.

I specifically asked if i owed anything else and was told no.

 

I'm sure this was correct .

 

I had a previous contract with them that included a dongle.

On the final payment they overcharged me 160..

.it took me three months to retrieve the money they took "by mistake".

 

Everything was fine again until the final payment and the end of the contract .

A huge coincidence.

 

So could you pls explain the two scenarios ..and what they will cost .

Medeation and going to court .

[46m]

Sorry didn't see you said yes to medeation.

Ok will do so ..will also try to contact lee ..maybe try to get the specifics .

[dx100uk]

nothing they have to win first.

 

 

tick yes to mediation

 

 

when is the hearing date?

 

 

why have you left it almost 2mths to come back here for help

 

 

what defence did you file

exactly please

 

 

yes I'd speak to LEE simply to get the background on the payment

 

 

follow this:

 

 

We here at CAg have a very successful VodaFone Rep operating here

.

We advise you to follow this method to alert them to your thread:

.

If you'd like any help from Lee, email your details via the Contact us form here

https://help.vodafone.co.uk/system/selfservice.controller?CMD=ESCALATION_REQUEST&PARTITION_ID=1&CONFIGURATION=1000&COUNTRY=us&LANGUAGE=en

you MUST PUT the code 'WRT135 - CAG Forum' in the subject line.

Once sent, you'll receive an automated reply with a reference number. Post back with this

Vodafone UK

.

CAG.

[46m]

I sent the defence off some time ago and have only just received the N149a and n180.

 

I just assumed I would either get a letter regarding a court date

 

Or it thrown out tbh.

 

 

..now I have u til 9th April to complete small claims questionnaire.