Jump to content


Lowells chasing me as a Phones4U Guarantor when the debtor has means to pay


style="text-align: center;">  

Thread Locked

because no one has posted on it for the last 3372 days.

If you need to add something to this thread then

 

Please click the "Report " link

 

at the bottom of one of the posts.

 

If you want to post a new story then

Please

Start your own new thread

That way you will attract more attention to your story and get more visitors and more help 

 

Thanks

Recommended Posts

Hi, I am new to this site, but hopeful that someone can offer me advice.

 

I stupidly, and under duress, signed as a Guarantor for my friend, for a mobile phone contract.

This was around 5 or 6 years ago.

This 'friend' ran up a debt of £700.

The debt has been passed to Lowell's who are chasing me for payment.

 

I spoke to the 'friend' in October 2014, who agreed to pay,

and she set up a payment plan with Lowell in October 2014.

She made 1 payment and cancelled the direct debit, so Lowell are now chasing me again.

 

I have spoken to Lowell to ask why they are coming directly to me each time she doesn't pay,

and I have advised them that she has the means to pay.

..she has a caravan and car on her drive, which are worth more than the debt.

 

 

They say that's how it works.

 

 

I feel they should be using every means necessary to recover the debt from her before they resort to chasing me.

 

 

Am I wrong?

 

I am at the end of my tether...I am a single mom with 2 children, a mortgage and no support. I suffered with depression for 2 years after redundancy, which put me in a lot of debt. I have spent the last 4 years dragging myself out of depression and am proud that I have started my own business and am now debt free, although every day is a struggle to stay afloat. And now this debt has come back to haunt me! This 'friend' has a partner, who works; 6 children, a caravan; goes on holiday; kids do all kinds of paid activities...so why should I pay for her debt??

 

Any advice would be welcomed

Link to post
Share on other sites

By "duress", I mean I was made to feel obliged to sign. I had gone in Phones4U for an ugrade and my friend wanted a phone. She failed the credit test. The shop assistant suggested I acted as Guarantor, which I declined. He kept saying stuff like " go on, she's your friend...she'd do it for you...". I kept saying "no" but he made me feel embarrassed and wouldn't let it rest, so I stupidly signed.

Link to post
Share on other sites

what are lowells doing with a mobile phone debt

 

 

99% of them they have are bogus. or unfair termination issues

 

 

what is the £750 made up of

how was the 'debt' run 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... 

Link to post
Share on other sites

yea and lowells are claiming the full term of the contract I bet

 

 

which is why phones4u sold it on as they know its prob bogus balance.

 

 

who was the contract with [the provider ee.voda.talk talk or whatever?]

 

 

your friend needs to send thm the provider an SAR.

 

 

get all the info.

 

 

something smells here

 

 

+£700 my foot!

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... 

Link to post
Share on other sites

I'm pretty sure the balance is correct, as I remember seeing the original bill, from Orange.

 

Problem is, I am no longer on speaking terms with the 'friend' and she has all the paperwork.

Link to post
Share on other sites

then theres nowt you or us can do then sadly I feel

 

 

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... 

Link to post
Share on other sites

You could issue a claim against your now non friend.

 

I think this is what I would be doing.

 

We are seeing quite a few people who have felt emotionally pressured into agreeing to guarantee friends and family debt and it always seems to end in tears !

Have we helped you ...?         Please Donate button to the Consumer Action Group

Uploading documents to CAG ** Instructions **

Looking for a draft letter? Use the CAG Library

Dealing with Customer Service Departments? - read the CAG Guide first

1: Making a PPI claim ? - Q & A's and spreadsheets for single premium policy - HERE

2: Take back control of your finances - Debt Diaries

3: Feel Bullied by Creditors or Debt Collectors? Read Here

4: Staying Calm About Debt  Read Here

5: Forum rules - These have been updated - Please Read

BCOBS

1: How can BCOBS protect you from your Banks unfair treatment

2: Does your Bank play fair - You can force your Bank to play Fair with you

3: Banking Conduct of Business Regulations - The Hidden Rules

4: BCOBS and Unfair Treatment - Common Examples of Banks Behaving Badly

5: Fair Treatment for Credit Card Holders and Borrowers - COBS

Advice & opinions given by citizenb are personal, are not endorsed by Consumer Action Group or Bank Action Group, and are offered informally, without prejudice & without liability. Your decisions and actions are your own, and should you be in any doubt, you are advised to seek the opinion of a qualified professional.

PLEASE DO NOT ASK ME TO GIVE ADVICE BY PM - IF YOU PROVIDE A LINK TO YOUR THREAD THEN I WILL BE HAPPY TO OFFER ADVICE THERE:D

Link to post
Share on other sites

I think this is what I would be doing.

 

We are seeing quite a few people who have felt emotionally pressured into agreeing to guarantee friends and family debt and it always seems to end in tears !

 

Emotional pressure is not a legal defence.

Link to post
Share on other sites

Emotional pressure is not a legal defence.

 

I understand that Ganymede. However the OP, if forced to repay this woman's debt, could then issue a claim against the "friend" for the money, yes ?

Have we helped you ...?         Please Donate button to the Consumer Action Group

Uploading documents to CAG ** Instructions **

Looking for a draft letter? Use the CAG Library

Dealing with Customer Service Departments? - read the CAG Guide first

1: Making a PPI claim ? - Q & A's and spreadsheets for single premium policy - HERE

2: Take back control of your finances - Debt Diaries

3: Feel Bullied by Creditors or Debt Collectors? Read Here

4: Staying Calm About Debt  Read Here

5: Forum rules - These have been updated - Please Read

BCOBS

1: How can BCOBS protect you from your Banks unfair treatment

2: Does your Bank play fair - You can force your Bank to play Fair with you

3: Banking Conduct of Business Regulations - The Hidden Rules

4: BCOBS and Unfair Treatment - Common Examples of Banks Behaving Badly

5: Fair Treatment for Credit Card Holders and Borrowers - COBS

Advice & opinions given by citizenb are personal, are not endorsed by Consumer Action Group or Bank Action Group, and are offered informally, without prejudice & without liability. Your decisions and actions are your own, and should you be in any doubt, you are advised to seek the opinion of a qualified professional.

PLEASE DO NOT ASK ME TO GIVE ADVICE BY PM - IF YOU PROVIDE A LINK TO YOUR THREAD THEN I WILL BE HAPPY TO OFFER ADVICE THERE:D

Link to post
Share on other sites

Lowells are chasing you because your friend is ignoring them and you are the easiest target. It's that simple with lowells.

Any advice i give is my own and is based solely on personal experience. If in any doubt about a situation , please contact a certified legal representative or debt counsellor..

 

 

If my advice helps you, click the star icon at the bottom of my post and feel free to say thanks

:D

Link to post
Share on other sites

  • Recently Browsing   0 Caggers

    • No registered users viewing this page.

  • Have we helped you ...?


×
×
  • Create New...