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    • Hello, been a while since I posted on here, really hoping for the same support an advice I received last time :-) Long, long story for us, but basically through bad choices, bad luck and bad advice ended up in an IVA in 2016. The accounts involved all defaulted, to be expected. In 2018, I got contacted by an 'independent advisor' advising me that I shouldn't be in an IVA, that it wasn't the solution for our circumstances and that they would guide us through the process of leaving the IVA and finding a better solution. I feel very stupid for taking this persons advice, and feel they prey on vulnerable people for their own financial gain (it ended with us paying our IVA monthly contribution to them)-long and short of it our IVA failed in 2018. At the same time the IVA failed we also had our shared ownership property voluntarily repossessed (to say this was an incredibly stressful time would be an understatement!) When we moved to our new (rented) property in August 2018, I was aware that creditors would start contacting us from the IVA failure. I got advice from another help website and started sending off SARs and CCAs request letters. I was advised not to bury my head and update our address etc and tackle each company as they came along. Initially there was quite a lot of correspondence, and I still get a daily missed call from PRA group (and the occasional letter from them), but not much else. However, yesterday i had a letter through from Lowell (and one from Capital One) advising that they had bought my debt and would like to speak with me regarding the account. There will be several.of these through our door i suspect, as we did have several accounts with Capital One. Capital One have written to us with regular statements over the last 5 years, and my last communication with them was to advise of of our new address (June 2019), I also note that all of these accounts received a small payment in Jan2019 (i'm assuming the funds from the failed IVA pot). Really sorry for the long long post, but just thought id give (some of) the background for context.... I guess my question at the moment is.....how do I respond to Lowell...do I wait for the inevitable other letters to arrive then deal with them all together or individually...? Do I send them a CCA?  Many thanks
    • hi all just got the reminder letter, I have attached it and also the 2nd side of the original 1st pcn (i just saw the edit above) Look forward to your advice Thanks   PCN final reminder.pdf pcn original side 2.pdf
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    • We have finally managed to obtain the transcript of this case.

      The judge's reasoning is very useful and will certainly be helpful in any other cases relating to third-party rights where the customer has contracted with the courier company by using a broker.
      This is generally speaking the problem with using PackLink who are domiciled in Spain and very conveniently out of reach of the British justice system.

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      OT APPROVED, 365MC637, FAROOQ, EVRi, 12.07.23 (BRENT) - J v4.pdf
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Vodafone Issues


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Brilliant thank you

 

Dec 2012 I took out a secondary line with Vodaphone sim and ipad signed all paperwork.

 

 

Just as I was about to leave the employee said oh thats the wrong sim card he then went through the back and brought out another.

 

Jump to xmas day ipad and sim unwrapped and paired togeather display was not that of Vodaphone uk but one of no service

 

 

but being at home the device was linked to the wifi and to be honest at the time I knew no better .

 

 

A few days after xmas I receive calls from Vodaphone stating I have a bill over £100 stating that can not be possible

they looked into it and agreed there was a mistake

this happened a further 2 times.

 

 

Unfortunately on the 4th occasion I was told I was liable this was my bill I had to pay.

 

I logged into my account and looked at the itemised bill

Edinburgh taxi companies

Edinburgh takeaways ect

we do not live in Edinburgh and

 

 

these started from the date of purchase although the ipad and sim I had were happily still wrapped in xmas paper.

 

I visited the Vodaphone shop with all paperwork and the ipad where I was told by the employee that the sim actually in the device was not that which was registered to me it was in essence a blank sim I had.

 

He said he would pass this onto the fraud team and I should contact the police which I did and

 

 

they advised me not to pay the £2400 as I was a victim of fraud and not liable nothing ever came of it.

 

Jump to today and embarrassingly refused a mortgage

one reason why Vodaphone have a default listed on my experian file.

 

 

We took all paperwork to the police this afternoon and they actually informed us of this page and advised we ask for help here.

 

The long and short the employee registered a sim in my name gave me a blank one and either kept or sold on the one in my name to someone in Edinburgh who ran up a huge bill.

 

Is there any hope of having this resolved

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Hi and welcome to CAG.

Please understand that this isn't going to go away quickly and you will have to jump through a few hoops before resolution.

 

To start with, file a Formal Complaint in writing and send by signed for delivery to the VF head office. In a separate envelope send a Subject Access Request with a £10 cheque or Postal Order to the Data Controller at the same address. Ensure that you include as much info on your ID so that VF do not delay matters and stating the Data Protection Act 1998.

 

Back to the Formal Complaint. Head your letter as such as otherwise VF won't treat it as a complaint. Lay out in short bullet points what has happened and what you want them to do to resolve this matter. Keep this to one page (if possible) and if you need to go into more detail then do that on separate pages.

 

With your credit report, you are allowed to place a Notice of Correction by the offending item (up to 200 words) and give a reason why it is wrong.

 

Vodafone will make it as hard as they can to deal with this matter as they are useless. Once you get the SAR back, this may show up more information.

If you are asked to deal with any matter via private message, PLEASE report it.

Everything I say is opinion only. If you are unsure on any comment made, you should see a qualified solicitor

Please help CAG. Order this ebook. Now available on Amazon. Please click HERE

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hello to the wonder full police man that recommended cag:whoo::whoo:

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... 

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Well :) If it helps... Thisll need proper TLC to deal with

 

[email protected]

[email protected]

 

These are the Directors Office and CEO emails. They will help you...

Also follow SF's advice all the way, send a copy of the complaint via Post and email.

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hello to the wonder full police man that recommended cag:whoo::whoo:
re

We took all paperwork to the police this afternoon and they actually informed us of this page and advised we ask for help here.

:)

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