Jump to content


  • Tweets

  • Posts

    • Hi slick!    On 22 July they said they would refund me £74.07 Theres no DD in place as my membership was a once off payment in November last year.  Hi Dx,    I paid through PayPal last year as a one off payment. 
    • I'm trying to understand it all but I certainly tend to agree with my colleague @dx100uk that it looks as if you may have been taken for a ride. You found an advertisement for a bag on an online sales site. Instead of going through the established procedure of that site, which presumably allows them to recover a commission from the seller you started dealing directly with the seller who is an unknown person to you and of course that allowed the seller to avoid paying the commission. At whose suggestion was it that you went off-site? You then pay by PayPal but instead of logging it with PayPal as a payment for a purchased item, you tell PayPal that it was actually simply a gift or transaction between friends and family. This also allowed the seller to avoid paying a PayPal fee on the money. At whose suggestion was it that you paid in this way?       I don't say that you definitely have been scammed, but it doesn't look very good. This is how it might have happened: after you agreed to take the transaction off-site, so you lost the protection of the established system – and the seller avoided the commission and also avoided the sales site knowing that they had sold their item, you then agreed to pay the seller some money – but not for a purchase – simply as a gift. This has two consequences. Firstly, the seller avoids a PayPal fee and secondly, because PayPal has been misled as to the purpose of the payment, you lose the protection of PayPal if it turns out that you've been scammed or there is some other problem with the transaction. The seller then apparently sent you the parcel and they sent you pictures of a package with your address on it. Separately they sent you a Hermes tracking number – but there is no evidence that the package was actually posted to your address. The seller might simply have taken a picture with your address and sent that to you by way of reassurance – and then changed the label and posted the parcel to themselves but sent you a tracking number which is inaccessible to you and in respect of which you will be prevented from getting any information. All you've seen is a parcel with your address on it. All you've been given is a tracking number which satisfied you for a while until the parcel did not arrive and then when you started to make enquiries, you found that you were unable to access any details referring to the tracking number. Of course the tracking number says that the item was delivered – because maybe it was – but in that case it was delivered to the address on the parcel which might have been the seller's own address – or the address of a friend. I don't want to say that this is definitely how it happened, but it is a plausible scenario. Of course Hermes is an awful lot of parcels – but on the other hand I expect that most of the parcel is that going to Hermes hands are delivered successfully. We only get the bad stories on this forum. I can imagine that Hermes rate of successful deliveries is better than 97% because otherwise people wouldn't simply just hate them, they would go out of business.   We can help you bring a complaint against Hermes if you want. However, on the basis of what you say, the odds are stacked against you but it would be useful to try and find out the address which was associated with tracking number. As far as your apparent willingness to travel hundred and 50 miles to ask for your money back, don't bother. If you did actually go there, are you sure that the seller actually lives at the address that you have been given? What evidence do you have that? Of course if you found that the seller didn't reside at that address then it is slamdunk that you have been scammed. But then what are you going to do? You can try to inform the police but of course it won't get you anywhere. You can inform the sales website – but they will say that you brought it on yourself because you agreed to go off-site. You can inform PayPal – that they will say that because you sent the money which was calculated to avoid their fees, you have lost the protection. If you travelled the 150 miles and found that the seller did reside at that address, do you really think that they are going to hand your money over to you? If they are acting dishonestly then they will simply say that it is nothing to do with them, that they addressed it all correctly and they don't understand what has happened and that this is simply Hermes up to their old tricks. What are you going to do? You simply risk getting into a very nasty argument and depending on how bad it went, you might even find that the police are called and I'm afraid that they would be looking at you – not the seller. Maybe you can answer the questions that I've post above as to who it is who initiated the various ways of doing business.    
    • The legal campaign's going well then. The recount in Wisconsin gave Trump more votes but Biden even more, at a cost of $3m. And a donor to the organisation bringing the failed cases is suing to get his $2.5m back.   https://www.theguardian.com/us-news/2020/nov/28/joe-biden-gains-votes-in-wisconsin-county-after-trump-ordered-recount
    • Yes Unicorn feed tax again, can't sue the keeper for more than the Original Charge, so any additional Debt Collection fees aka the £60 they add is abuse,iof process as per HHJ Harvey at Lewes county Court What lookedinfroinfo is indicating is that the main signage on entry and dotted around is merely an " Invitation to Treat", not the offer, the Offer and Acceptance occurs at the payment machine, so wording there is key.
  • Our picks

me/lowells and a mobile phone default thats shown 2 yrs late?


Please note that this topic has not had any new posts for the last 1466 days.

If you are trying to post a different story then you should start your own new thread. Posting on this thread is likely to mean that you won't get the help and advice that you need.

If you are trying to post information which is relevant to the story in this thread then please flag it up to the site team and they will allow you to post.

Thank you

Recommended Posts

Sorry to tag onto this thread but you mention that a default with Lowell was added years after the ICO guidance on when a default should be added. Do you have a link to this ICO Guidance?

 

I only ask as my Fiance has had a default added from Lowell for a mobile phone account but the default was not there at the beginning of the year. It says on Noddle that the account was defaulted in 2014 yet when we checked it in February/March 2016 the default was not there. In April/May the default appeared on the file.

:cool::cool: Blondmusic :cool::cool:
Link to post
Share on other sites

as such there is no specific rule that says they cant do this.

what is needed is proof from the original creditor that they issued a default and its date

typically this is done via an sar to them.

 

 

there should be an entry in say the comms log or the account log to say they defaulted on XYZ date

just a note say one was sent that's all.

the ico guidance indicates that this should be timely for want of a different word.

i'e if the last payment/use was say in may of xx year that the default should be within 3-6mts of this.

else complain giving the OC 14 days to rectify this else its off to the ICO.

 

now if it never showed or the account never showed, but then the bebt buyer places the account on the cra file

it should be the one the OC placed and the same default date.

 

if the date of the default is after the date of assignment [when they bought the debt] then obv that needs tackling as well.

 

 

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

not your thread BM

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
Sorry to tag onto this thread but you mention that a default with Lowell was added years after the ICO guidance on when a default should be added. Do you have a link to this ICO Guidance?

 

I only ask as my Fiance has had a default added from Lowell for a mobile phone account but the default was not there at the beginning of the year. It says on Noddle that the account was defaulted in 2014 yet when we checked it in February/March 2016 the default was not there. In April/May the default appeared on the file.

 

The ICO guidance is contained here:

 

http://www.scoronline.co.uk/sites/default/files/high_level_prinicples_document_final.pdf

 

and some general reading here:

 

https://ico.org.uk/for-the-public/credit/

 

My point to Lowells was:

 

You are the current owner of an alleged debt under the above reference.

**

You have recorded a default against this account on xx/xx/xxxx as reported by various credit reference agencies. It is my belief that this default was recorded much too late.*

 

The last payment on this account was on the xx/xx/xxxx. I have checked this against the account statements. No further payments were made for over 4 years, at which time I entered into a payment agreement with yourselves.

*

It is clear in the guidance issued by the Information Commissioner’s Office “Principles for the Reporting of Arrears, Arrangements and Defaults at Credit Reference Agencies”* must be fair, accurate, consistent, complete and up to date. Further to this principle 4: If you fall into arrears on your account, or you do not keep to the revised terms of an arrangement, a default may be recorded to show that the relationship has broken down says that this will normally occur by the time you are 6 months in arrears.*

 

This error places me at a significant disadvantage because of the extended ‘life’ of the account. I therefore ask you to amend the date of default to be xx/xx/xxxx which is 6 months after the last payment was made on the account.**

 

I had to persist but did in the end get Lowells to concede the point and correct the error.

Link to post
Share on other sites

Thank you for the reply. I will be emailing Lowell and the original creditor regarding this default.

 

DX - The default did not appear on the CRA until March 2016. Before that it was not on the CRA at all. We are not disputing the account what we are arguing is that it did not appear on the CRA until almost 2 years after the account was defaulted.

:cool::cool: Blondmusic :cool::cool:
Link to post
Share on other sites

then theres nothing wrong then as far as I can see?

you've just been lucky till now

 

 

go find out if the OC did default the debt?

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

Own thread created

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

We are not disputing the debt just trying to find out why it has taken them 23 months after the default date to add it onto the Credit File. Surely it should have shown up before March 2016.

:cool::cool: Blondmusic :cool::cool:
Link to post
Share on other sites

Sadly a dca being obstructive I suppose

 

Have you checked the OC did default you?

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 need to prove that

if you have a copy of a credit file from after the supposed defaulted date

where the debt is still listed with the OC and no default

send that to lowells give them 14 days to remove theirs

 

 

but ideally you need proof from the OC viand SAR or letter

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

In an email from Lowell they say they bought the account in September 2015. Why wait 6 months to then add it to the credit report then?

:cool::cool: Blondmusic :cool::cool:
Link to post
Share on other sites

doesn't matter.

 

 

cant see the point in an sar to a dca

will prove nothing

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

SAR to Originator ok, - why CRA ?

 

just listen to the people on here as you seem to be going off on a Tangent = disaster, also keep all communication in letter form and Recorded Delivery, e-mails are a pest they can bombard you and un settle you - get control of the situation do not let them control you.?

:mad2::-x:jaw::sad:
Link to post
Share on other sites

We need a copy of the Credit Report from a couple of years ago hence I was planning to send an SAR to the CRA.

 

I don't mind communicating by email. This way it records the conversations and saves time on printing and sending letters. I have used email for communicating with various companies over the years and find it very easy.

:cool::cool: Blondmusic :cool::cool:
Link to post
Share on other sites

off on a tangent again...

you don't need to sar the credit agency

 

 

you need to sar the OC

and you cant send payment by email.

 

 

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

Ok I will SAR the OC.

 

I am not sending any payment by email. I am just communicating with Lowell by email.

 

Can someone tell me how to get a copy of a credit report from 2014/2015 from the CRA?

:cool::cool: Blondmusic :cool::cool:
Link to post
Share on other sites

IMHO you don't need to

 

all you need to do is prove the OC's original defaulted date.

 

if/if not it ever was showing on your credit file previously is immaterial.

if they OC did default you

if they didn't

then that's another matter and we can deal with lowells.

but you need information first not speculation

 

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
  • 1 month later...

I sent an SAR to EE as they were the original creditor.

 

 

Received a reply today stating they received the request on the 21st of October but they want my bf to confirm his date of birth and address. They returned the postal order as well.

 

They also want to know exactly what information we want and they want us to fill a form out before they do any of this.

 

 

They also say that the 40 day period for the information won't begin until we return the form along with the information and the postal order.

:cool::cool: Blondmusic :cool::cool:
Link to post
Share on other sites

theres no requirement to fill in their forms if you don't want too

and you can simply say your require aLL data for you personal financial records.

 

 

has your BF moved since he took the account out then?

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
  • Recently Browsing   0 Caggers

    No registered users viewing this page.


  • Have we helped you ...?


×
×
  • Create New...