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    • Why don't a few of you join a relevant Trade Union and ask them for help about present/future conduct of this employer ?  It has to be more than one person that joins a Union, before the employers have to recognise the Unions role in representing workers at your place of work.   Normally if you join a Union, they won't offer legal help in regard to issues before you joined them or for a short after you joined them, but they might be able to offer some assistance.   Given what you say about their conduct, I would strongly recommend contacting a Union for details of how to organise for yourself and colleagues to become members.    
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    • I have added their poc in your above post for clarity.   you need to address para 3.    bump point 3 forward down 1 number and add in:   3. Paragraph 3 is denied as I am unaware of any legal assignment or Notice of Assignment allegedly served in yyyy by either the claimant or the original creditor .    if mcol is still flaky ….   MCOL is only one way of responding to a claim.  . If you are having problems logging in, or would prefer not to use MCOL,  you can fax, email or post your response to the Court instead.  If you send your response by e mail  please send it to ccbcaq@hmcts.gsi.gov.uk and ensure you quote “Claim defence response” and quote the claim number in the subject field.  . neither by email nor MCOL do you need to inc I confirm that the above facts and statements are true to the best of my knowledge and recollection.
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barbara78

Lowell asking for money we do not owe on 3 mobile account

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Dear All,

 

We recently started to receive letters from Lowell asking us to pay 487 for a 3 mobile phone contract.

The contract was terminated in 2009 and the last payment was made via direct debit on the 29/12/2009,

the first letter from lowell was received in november 2015.

 

We were at the end of the contract at the time and they gave us the option to upgrade but we refused as we wanted to change provider ,

then the telephone line of that three phone was cut (from their end) and that was that.

 

 

We never heard from three until we started getting these letters from lowells saying that we have to pay 487 GBP for early termination charges plus monthly fees,

no idea where they got these figures from but sure we do not owe that money and no one from three has ever asked for it.

 

I have always replied in writing and recorded delivery and asked to prove the debt ,

they sent a statement that doesn't make any sense to me,

I never acknowledged this debt

 

 

in my last letter I mentioned that the last payment was made by direct debit over 6 years ago,

however they just replied saying that a default notice was placed in June 2006 so the debt is enforceable until june 2016.

I find this so strange and I'm stuck.

 

My husband and I are about to apply for UK citizenship and scared that a court order might ruin things.

We never had any problems with debts,

got our mortgage approved in 2011 and never fallen in arrears.

 

This is upsetting me now. I'm really sorry for the rant.

 

I thank you in advance for any advice you may offer. Barbara

Edited by Andyorch
Paras

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ignore them

they are trying to fleece you

 

 

lowells as with any DCA .... ARE NOT BAILIFFS

 

 

they have

NO SUCH LEGAL POWERS.

 

 

might of been better if you'd not started letter tennis with them.

 

 

that exactly what they want.


please don't hit Quote...just type we know what we said earlier..

 

if everyone stopped blindly paying DCA's tomorrow

the biggest financial industry in the UK, the whole DCA industry would collapse overnight.

 

 

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Thank you for your prompt reply.

 

So shall I just pile up the letters and stop replying?

 

They have currently given me 30 days to gather any evidence that I don't owe this money but I don't have any, other than the fact that the last payment was done on the 29/12/2009.

 

Could this cause problems with remortgaging? And can they take me to court?

 

Sorry for all the questions, really haven't got a clue but as will do as you say. I'll stop responding to their letters, as I've nothing to say or show to them anyway

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I think you might have made a mistook on you defaulted dates bit?

when was it defaulted

have you looked at your credit file

see noddle below.

 

 

if you last DD was 29/12/2009 then that is outside of 6yrs ago.

 

 

by the time they finish their willy waving it'll be a while long.

 

 

if they were stupid enough to issue a claimform

 

 

the SB defence should kill it dead anyway.

 

 

dx


please don't hit Quote...just type we know what we said earlier..

 

if everyone stopped blindly paying DCA's tomorrow

the biggest financial industry in the UK, the whole DCA industry would collapse overnight.

 

 

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Just ordered Experian credit report, thanks for the advice.

 

Definitely the last DD to three mobile was 29.12.2009 but I was not aware of this default placed on our credit file in june 2010 as they say! Will see what's in the report and will keep you posted on their next move.

 

Thanks again

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pop up on noddle or clearscore

that report is instant if you have any type of card

and its registered at your current address

they don't take any money.

 

 

see below


please don't hit Quote...just type we know what we said earlier..

 

if everyone stopped blindly paying DCA's tomorrow

the biggest financial industry in the UK, the whole DCA industry would collapse overnight.

 

 

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Sounds like it's almost SB don't entertain them as dx says they will con you and maybe a phantom payment may turn up to keep it live so to speak.

 

Don't provide any proof as it's their job to prove the debt exists

..


If I have been of any help, please click on my star and leave a note to let me know, thank you.

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also remember, it is for them to prove their claim, not you disprove it so you can safely ignore anything that isnt a court claim properly stamped.

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Thank you for your advice, I requested a credit report from experian and also an instant one with noodle

and noticed that there is indeed a default but I swear there was non a couple of months ago

when we ran a search for other reasons and the credit profile was excellent

and now gone down to somewhere in between poor and fair!

 

LENDER

BALANCE UPDATED STATUS

Lowell

£ 487

06/01/2016 Default

Name *************

Address ***********************

Date of birth ***********

Account type Telecommunications Supplier

Account number *****9912 0

Account start date 21/08/2008

Opening balance £ 85

Repayment frequency Monthly

Date of default 17/06/2010

Default balance £ 85

 

It appears that the default was placed by Lowell and not by three,

it says 17/06/2010 ( about 6 months after my last payment to 3 mobile)

but how is it possible that it only appeared now?

 

How can we dispute that and have it removed?

 

 

Shall we just let time go by and not bother unless we receive a court letter?

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3 would have placed the default upon sale

a debt buyer cant do that.

 

 

I think your last comment is the best action

 

 

dx


please don't hit Quote...just type we know what we said earlier..

 

if everyone stopped blindly paying DCA's tomorrow

the biggest financial industry in the UK, the whole DCA industry would collapse overnight.

 

 

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Thought Id drop in;

 

 

Air your concerns to the top. Find out with 3 What went wrong and dispute it. And also later ill fish out complaint emails for Lowell :)


 

We could do with some help from you.

 

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

 

**Fko-Filee**

Receptaculum Ignis

 

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