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    • Update. The ASB team have categorically said they want to send a letter to the idiot saying... you are upsetting your neighbor, please come in to talk about this, we need to tell you we have no power to do anything about this though... WTAF?   They also said my only option to stop idiot parking and obstructing our kerb is to park our other car outside idiots property 🤔 because the car is now not obstructing enough to get a ticket and not breaking any law! Even though it's obviously being done to cause annoyance.   Just seems beyond belief!
    • Ok, quick update on this.  Mediation didn't happen - mainly because I missed the deadline for agreeing to the date - I didn't realise the deadline was quite so tight - and I had been away for the weekend and not reading my emails - anyway - although it was bad to not formally respond, it didn't really make too much difference because due to the lack of viable evidence provided by the claimant, mediation would have been pointless.   So I've been waiting to head what court date has been allocated to my case. However, instead I received a "General Directions or Order" letter.    Sorry - I meant to bring it in (to where I'm writing this).....but basically the gist of it was that the claimant had 14 days to respond providing evidence e.g. signed credit agreement etc. - and then I had 14 days after that to respond stating whether I accepted that evidence and whether I wanted to withdraw defence.    The letter was sent around the beginning of the month - therefore their 14 days are more or less up - I haven't heard anything - albeit, I need to factor in postage times - but surely this means my 14 days are not really 14 days....but more a case of the time left before the end of October and when or if I get anything from the court of the claimant with their evidence.   My question really is:    Is it a stupid question - but I cannot really do anything until I receive anything - at the moment, the court won't know what they've sent me (in response to my CCA request) - i.e. the poorly presented application form - meaningless statements - no clear signed credit agreement etc. - so this step is basically the court asking whether there is enough evidence in order to allocate a court date?   I'm assuming I should get a copy of whatever the claimant provides to the court?   Many thanks  
    • hello again, do you think this witness statement better suits my needs witness 2.pdf
    • Hi all   Does this link indicate whether or not Woodside Park station is under the TFL Byelaws or not, as I'm a bit confused?!   https://tfl.gov.uk/corporate/transparency/freedom-of-information/foi-request-detail?referenceId=FOI-2209-1819   Rgds. Andy
    • I am hoping someone can offer me some advice concerning an issue with my former landlord, please. In short, I took possession of a property he was letting out just over ten years ago. Having viewed and been offered the letting, I accepted and paid the deposit plus the first month’s rent and moved in. Meanwhile, the landlord had gone on holiday and it was not until a week or so after I had moved in that I saw him again when he came around to see if we had settled in OK. I told him all was fine and took the opportunity to ask him where the parking space was located as there is only “pay per hour” on street parking outside and a commercial car park approaching half a mile away. He said there was no parking included with the accommodation. Yet the lease which we had each signed clearly stated that the property included the use of a parking space. He told me that this was an error on his part and that there was no parking space included with the property. Having already vacated my previous letting and paid the deposit and the rental advance and moved all my effects into the new letting – in addition to not wanting a major fallout with my new landlord (I also had a wife and three children to consider), I erred on the side of caution and did not press the matter.   However, the kids have all grown and flown and we have been obliged to downsize to a one bedroom apartment (with parking, happily). This was nearly three months ago and I have only yesteray received contact from my former landlord’s lawyer stating I still owe him (the landlord) money. I am waiting to learn the grounds for his claim and have requested a full breakdown of that alleged indebtedness from his lawyer but, having been very good tenants who always paid the rent on time and not only took great care of the old property but also did a lot of unpaid work improving it over the course of our ten year residence, I am quite annoyed to be treated so meanly. Regardless of whether or not it transpires that I do, unwittingly, owe this man money I am wondering whether or not I might have a counter claim against him for the false representation of his lease and perhaps even be compensated for the ten years I spent paying for on street parking as well as putting up with the daily (often hourly) inconvenience of that.   If someone could advise me, I would be very grateful.   Thank you.  
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Lula

Lowells chasing old orange debt***Resolved & GOGW***

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Hi, Posting for my daughter, she is being chased by Lowells for an alleged debt that they refuse to prove she owes.

 

They started this phishing expedition a while ago and I advised her to just ignore them for a while.

 

A few months ago I got her to email them the prove it letter,

I forgot to actually post the letter

 

yesterday she got another letter, saying that they may "search her credit file to ascertain her means" .

I posted off the Prove it letter and have proof of posting

 

, my question is,

are they allowed to just have a poke through your credit file when they won't even prove that you owe the debt?

I am guessing that the answer is no, but how do we stop them?

 

Thanks in advance.


Lula

 

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what the debt all about?

is it on her credit file?

 

 

shame you responded

they know their target now

always best to send nothing at this early stage.

 

 

dx


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Hi DX, the link still isn't working, they have been harrassing her for about 18th months, I would usually ignore them but she has mental health and anxiety issues, she is classed as a vulnerable person, and this is making her very anxioius.

 

oh yes, and the alleged debt is about an old Orange account, that would surely be statute barred if indeed it existed.


Lula

 

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Go check her credit file

They have a CSL so yes the can search files


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The purpose of these "official warnings" and threats of "imminent legal action" is psychological rather than actual. Once this is realised, the letters cease to have any effect or credibility.


Who ever heard of someone getting a job at the Jobcentre? The unemployed are sent there as penance for their sins, not to help them find work!

 

 

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The [removed] have put an "administration review" in March 2015 on her file and it is showing a short term debt of the amount that the alleged debt is for

Edited by dx100uk
behave - dx

Lula

 

Lula v Abbey - Settled

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Lula v Abbey (3) - Stayed

 

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The admin review is a 'soft search' on her CRF, only you and they can see it.

 

If it isn't showing a default then nothing to get too worried about IMO.

 

You say this will be SB, so when was the last dealings with orange regarding this?

ONLY the creditor is able to mark a credit file, DCA's don't have that authority, and never will have, powerless fools.


Who ever heard of someone getting a job at the Jobcentre? The unemployed are sent there as penance for their sins, not to help them find work!

 

 

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She has had terrible mental health problems since about 2011

(this can all be verified by her medical records)

 

 

at one point they were ringing her and bullying her on the phone,

she was terrified and very confused (she never told me told me till a little while ago) that she did pay them about £60, which she never should have done ,

 

 

they hounded her, she was in supported housing and had just come out of the hospital mental health unit at the time and we didn't have much contact, so I didn't know. but they have never actually proved that she owns this debt at all.

 

She doesn't even remember paying them, she saw it on the credit file, she does remember them harrassing her to the point of distraction


Lula

 

Lula v Abbey - Settled

Lula v Abbey (2) - Settled

Lula v Abbey (3) - Stayed

 

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is the account showing on her credit file under either orange[EE] or lowells.

when did she pay this money to them and how?


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WE CAN'T GIVE ADVICE BY PM - IF YOU SEND ME A LINK TO YOUR THREAD - I WILL BE HAPPY TO OFFER HELP THERE

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the default was put on there in April 2012 by a "telecommunications provider" for £ 345,

the amount then goes up to £502 starting September 2013

then there is a payment of £20 per month on Sept, Oct Nov, 2013,

 

 

this is what it says on the file, she has no recollection of how she could have paid this.


Lula

 

Lula v Abbey - Settled

Lula v Abbey (2) - Settled

Lula v Abbey (3) - Stayed

 

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so looks like they charged her for the full contract term when payments stopped?

 

I would be sending an SAR to EE orange and get all the statements.

 

 

dx


PLEASE DONT HIT QUOTE IF THE LAST POST IS THE ONE YOU ARE REPLYING TOO.

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please do not post jpg images directly to a topic..USE PDF ....READ UPLOAD.

 

WE CAN'T GIVE ADVICE BY PM - IF YOU SEND ME A LINK TO YOUR THREAD - I WILL BE HAPPY TO OFFER HELP THERE

Single Premium PPI Q&A Read Here

Reclaim mis-sold PPI Read Here

Reclaim Bank Account, Loan & Credit Card Charges Read Here

The CAG Interest Tutorial Read Here

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UPDATE : They sent her a Complaint reference number and £30 as a sorry for harrassing her

 

then a few days later sent another letter saying that she should show Experian the letter they have enclosed to dissassociate her name and address from this debt.

 

they cannot prove that she owes the debt and have made it sound like they are doing her a favour by stopping any collection activities.

 

Still, at least it is sorted now and they sent another £50 :-)


Lula

 

Lula v Abbey - Settled

Lula v Abbey (2) - Settled

Lula v Abbey (3) - Stayed

 

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UPDATE : They sent her a Complaint reference number and £30 as a sorry for harrassing her

 

then a few days later sent another letter saying that she should show Experian the letter they have enclosed to dissassociate her name and address from this debt.

 

they cannot prove that she owes the debt and have made it sound like they are doing her a favour by stopping any collection activities.

 

Still, at least it is sorted now and they sent another £50 :-)

 

Who sent the compensation, orange or lowell?

If the latter, I would think that they only did so because their actions are borderline fraud/extortion.

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Lets hope this is the last you'll hear from them. :thumb:


Who ever heard of someone getting a job at the Jobcentre? The unemployed are sent there as penance for their sins, not to help them find work!

 

 

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Thread title amended to reflect the outcome...well done Lula.

 

Andy


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