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    • pop up on the MCOL website detailed on the claimform. [if mcol is not working return after the w/end or the next day if week time] .  register as an individual  note the long gateway number given  then log in .  select respond to a claim and select the start AOS box. .  then using the details required from the claimform .  defend all  leave jurisdiction unticked  you DO NOT file a defence at this time  click thru to the end  confirm and exit MCOL. . .  get a CCA Request running to the claimant https://www.consumeractiongroup.co.uk/topic/332502-cca-request-consumer-credit-act-1974-updated-january-2015/  leave the £1PO blank and uncrossed . .  get a CPR 31:14 request running to the solicitors [if one is not listed send to the claimant] . . https://www.consumeractiongroup.co.uk/topic/332546-legal-cpr-3114-request-request-for-information-when-a-claim-has-been-issued/ . . type your name ONLY no need to sign anything . you DO NOT await the return of paperwork. you MUST file a defence regardless by day 33 from the date on the claimform [1 in the count]  
    • Could you perhaps use the quote button so as to minimise confusion?  It's difficult to distinguish between what you quote and what you are saying.  (Actually it is quite easy to tell the difference).
    • Name Of Claimant - Lowell   Date of Claim - 11th nov 2019   What is the claim for – the reason they have issued the claim? 1)   the defendant entered into a consumer credit act 1974 regulated agreements vanquis under account reference xxxxxxx 2)   The defendant failed to maintain the required payment, arrears began to accrue 3)   The agreement was later assigned to the claimant on 29 September 2017 and notice given to the defendant 4)   Despite repeated requests for payment, the sum of 2247.91 remains due outstanding And the claimant claims a)The said sum of £2247.91 b)The interest pursuant to S 69 county courts act 1984 at the rate of 8% per annum from the date of issue, accruing at a daily rate of £xxxx, but limited to one year,  being £xxxx c)Costs   What is the total value of the claim? £2247.91   Have you received prior notice of a claim being issued pursuant to paragraph 3 of the PAPDC ( Pre Action Protocol) ? No I received the PAP twice?   Have you changed your address since the time at which the debt referred to in the claim was allegedly incurred? NO   Did you inform the claimant of your change of address? NA Is the claim for - a Bank Account (Overdraft) or credit card or loan or catalogue or mobile phone account? CREDIT CARD   When did you enter into the original agreement before or after April 2007 ? NO   Do you recall how you entered into the agreement...On line /In branch/By post ? BY PHONE/POST   Is the debt showing on your credit reference files (Experian/ Equifax /Etc...) ? YES   Has the claim been issued by the original creditor or was the account assigned and it is the Debt purchaser who has issued the claim. DEBT HAS BEEN PASSED TO LOWELLS   Were you aware the account had been assigned – did you receive a Notice of Assignment? I CANNOT RECALL   Did you receive a Default Notice from the original creditor? I BELIEVE SO YES   Have you been receiving statutory notices headed “Notice of Sums in Arrears”  or " Notice of Arrears "– at least once a year ? NO   Why did you cease payments? LOST MY JOB AND COULDN’T AFFORD PAYMENT/INTERESTS   What was the date of your last payment? APPROX JAN 2015   Was there a dispute with the original creditor that remains unresolved? I asked for the CCA and they sent me a computer printed balance statement   Did you communicate any financial problems to the original creditor and make any attempt to enter into a debt management plan? I believe I contacted them explaining I had lost my job and for a holiday period which they refused. Although I cannot recall 100%   Just to sum up what has happened through this thread: -       defaulted around May 2015 -       2017 lowells got involved, asked for my CCA from OC and SAR. Vanquis, no acknowledgement of the dsar/ sar, they have however sent me their terms and conditons, fact sheets, along with 2 computer print outs of my details. I think they were considering it the CCA. -       lowells sent pap, replied, they sent again, replied again -       Court claim    
    • sorry busy day attached is a large file re clear agreement/ T&C's   is that obscured signature typed or your real sig? Exhibit__Cabot_Vs_Roland.pdf
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All the web links to the Sky accessibility team are broken and emails to them bounce back as 'mailbox closed' leaving the only options for contacting them as the phone.

 

If you're registered with them in the first place because you have difficulty using the phone, that is less than helpful.

 

Using Live talk (through billing queries, everything else just says there's no one available, try later) I managed to 'speak' with an adivisor who promised to get someone from the team to contact me urgently, three days ago. Needless to say, it hasn't happened.

 

I presume all will be fixed fairly soon but as customer services go, this is pretty bad. It's difficult to believe a company as large as Sky really has no means of accepting emails any more!


RMW

"If you want my parking space, please take my disability" Common car park sign in France.

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The above issue has spiralled out of control.

 

The accessibility team finally contacted me after nearly 10 days.

 

 

I responded with my query, which was asking if they were willing to replace my 8 year old Sky box as it wasn't being terribly reliable.

 

 

I got a response back which threatened to put me on a 'black list' so I could never have Sky again,

and because I'd mentioned that the box had failed to record a number of episodes on series link whilst we were at our home in France,

they also accused me of using my Sky card in France since obviously anyone and everyone who uses satellite must have Sky

 

 

- I made no mention at all of how we watch tv in France or that we even have a tv,

and how on earth do they think I expected to record stuff on the box in the UK if we'd taken the card to France?

 

 

Subsequent complaints have got precisely nowhere.

 

Needless to say I am now an ex-Sky customer.

 

 

The whole thing has made us sit back and think - we manage perfectly well with FreeSat in France, so why do we need Sky anyway?

 

 

Shiny new Humax box now installed, working perfectly and we can now access all the online stuff that the old Sky box couldn't do.

 

I'm sure Sky do have properly trained and reasonable customer service agents, unfortunately I got the one having a very bad day!


RMW

"If you want my parking space, please take my disability" Common car park sign in France.

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That really is a shame RMW. The Sky retentions team do go out to keep customers happy if at all possible. You really did get someone who was having a bad day. If you feel you have grounds for complaint, you need to get it going soon as I am not sure how long they keep the call recordings for.

 

I have been very lucky with Sky and they always have done me a good deal to stay. Strange isn't it??


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To be honest, in the great scheme of things this is a fight that's really not worth fighting. They've actually done me a favour - when we sat down and worked out how many of the pay channels we actually watch now eldest has finally left home it's pretty much zero - basically I watch Grands Prix when they're not live on BBC - so for £195 we get a reliable box and save £38 a month, it's a bit of a no brainer really, especially as I can watch the GPs live online anyway.


RMW

"If you want my parking space, please take my disability" Common car park sign in France.

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