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    • The summary is that I collected my van after it was towed, drove it 20 metres and saw a panel come loose, I went inside to report it and immediately emailed them, they have since refused the claim as I had already collected the vehicle.   The story:   - Van towed - Van collected, signed out 12:00 - Van appeared visually to have no new damage, was not allowed to drive it until paperwork signed - Upon driving it a plastic exterior panel came loose (this appears to be from when it was craned onto of truck) - I stopped the vehicle 12:03 and walked into their office to report damage - I emailed photos to head office 12:08 - NSL initially claimed they examined photos and damage was pre-existing - I requested CCTV footage of my visit under Data Protection Act. I provided them a copy of my ID, photo, description of clothing as well as letting them know I was the only member of public/customer on-site for the duration of my visit - CCTV footage denied on basis I "was not recognisable" after they reviewed footage - Initially refused to provide any photos of vehicle - Finally produced 0.3 megapixel images, much too low resolution to see anything, but certainly confirming their claim the damage was pre-existing is false - Refuse to provide original full resolution images despite multiple requests - Latest excuse I was gone 15 minutes and could have caused the damage during this time. Clearly a false assertion given I emailed them within 8 minutes and was in their office within 3 minutes of leaving. - I feel by refusing to provide CCTV footage and full resolution photos they are obstructing my ability to prove they caused the damage   The damaged panel tore off at 30mph while trying to go to have it looked at, luckily no other vehicle was damaged, in hindsight I should have driven with the panel being damaged. But this proves the damage is very unlikely to have been pre-existing as the van couldn't be driven.   So I intend to pursue through the small claims court. My questions are:   - I can't afford to fix the van right now and as it is cosmetic, I can still use it without fixing the panel. Can I get a quote from Renault and claim on MCOL for the value of the repair? - Although I was gone only 3 minutes and drove 50 metres from NSL yard directly to NSL office, I did still take the vehicle before reporting the damage, this was due to the panel being pushed into place (but not secured) and therefore not visible until the vehicle was moved. Will this work against me when making a claim? - Does their repeated lying (first claiming it was pre-existing, then falsely claiming I was gone 15 minutes and could have caused the damage then) work against them? - Does withholding CCTV where I was the only non-high vis person on-site on the basis I was not "identifiable" work against them (clearly I was identifiable, I was the guy without high vis on) - Does failure to produce any original images, just very compressed images of the van before and after towing, work against them?   How strong a case do people think I may have?   I have exhausted their complaints process.   Thanks in advance for any thoughts on this.
    • I have recently managed to get rid of some historical debt as it became statute barred and thought I had gotten rid of old debt. However, I have received a letter from a firm of Solicitors chasing the recovery of fees for a timeshare we bought in 2010 privately from the previous owner. We have visited it once and paid fees once in 2011. I have not communicated with them or paid anything since 2011   As far as I am aware, I haven't received any communication from the Timeshare company or the representatives for probably 5 or 6 years. The total debt is £3670.    Is this type of debt subject to the same rules as any other debt, i.e. a default has to be issued 3 months after last payment becomes overdue and can it be statute barred or am I going to have to pay it as it is timeshare rather than a traditional debt. I still have the timeshare but am now actively looking to get rid of it.   Thank you. 
    • Today I got a refund of £25 from Packlink. I have also submitted a claim form with Hermes, as you suggested.   It pays to be tenacious.   Thanks for your advice.
    • Hello there,   My wife (62) has advanced arthritis on both hands and wrists (inherited from her mother's side of the family).   She left her job as a youth carer in January of this year because amongst other issues with her inability to work they pushed her into office and admin. However, with her arthritis, writing or using computers became impossible. As nearly all jobs available requires some use of hands, which she is unable to do, what benefits would be available to her. Does my wife qualify for anything?   Other info. She does have arthritis in all areas of her body, but for example she is able to walk reasonable distances, sit down comfortably for reasonable lengths of time, etc. She also suffers from psoriasis (which may have played a part in her condition).   A friend of hers owns a wine bar and offered her a job (not too taxing) but it required her to carry wine bottles and glass which was OK-ish for the first 60 mins but then became impossible for her to do.   Any help or advice greatly appreciated.   cheers sidley
    • I think it will be very helpful to let people know more detail about these debts. Who is the original creditor? How much was the debt for? When was the debt incurred? When did you last make any payment or acknowledgement of the debt
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mystirio

Lowell/Lowells Solicitors Claim form - old Orange mobile 'debt'***Claim Discontinued***

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today received a letter from lowells Solicitors regarding an outstanding debt to orange

 

I received on prior to Xmas and asked them to supply me with the following

 

Contract/Agreement

Statement of Account showing details and dates of debits and credits

including

payments,

interest and

charges to the account and

the current amount outstanding;

Copy of Default notice,

copy of formal demand;

and where the debt has been sold,

copies of letters from original creditor stating that,

plus letters from current creditor stating that

 

the reply is as follow ,

 

As this is a telecommunication account it is not regulated under the consumer credit act1974 therefore the original creditor is not obliged to provide you with a copy of the agreement.

 

The default notice would have been sent to your address at the revelant time

 

.We have requested a copy of the account statment and will forward this to you upon receipt .

 

We can confirm that the account was taken out on sept 2008 with mobile number -------------- and defaulted on the 15 oct 2013 due to non payment .

 

the last payment was made on March 4th 2013 for the amount of £220.83

 

.Please contact us with suitable repayment plan within 14 days to confirm your prefered method of payment and date from the options located on reverse of this letter

 

.if no response is received a claim form may be issued incurring costs

 

.If you do not respond to the claim we may apply for a CCJ which could impact any future credit applications mortgages or even some employment while it remains unsatified on your credit file.

 

Questions are as follows

 

is there a lawfull request to obtain the original agreement or are they allowed not to disclose this.

 

Also I do not recall ever paying this amount so I will be checking with my bank to verify this .

 

Am I allowed to have the requested items I did ask for.

 

Anyone posssible to help out on this one please.

 

Thanks

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you can request what you like

but sadly theres no consumer credit agreement so you cant force them to disclose

its a request.

 

id be proving that payment and the ones beforehand too.

 

tell us about the contract you signed up too?


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cheers for that

i will contact bank tommorow about that payment

 

 

regarding contract i do not know what contract it was

 

 

surely they have a legal duty to supply you with a copy of their contract or you could be paying for something you didnt ask for or get

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Did you have a mobile phone with Orange/EE?

 

Is what you posted in #1 verbatim as to what you requested from lowlifes?

 

Mobile phone contracts, are simply ''service agreements'' UNLESS (as is the case with O2) they split the service agreement, and give you a handset under a credit agreement.

 

A statement of account, 'should' be sent annually either by the OC or the goons chasing for your hard earned.

 

Most of the other info you requested would need to be sent to the OC under a SAR (£10) which would/should get you the full run down of the account.

 

TBH the response you got from lowlifes is pretty standard, and looks like it hasn't been read by at all, least of all by an adult.

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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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thanks for last so if i write to orange asking for sar request first off then write to lowlife stating i have sent orange a sar and will contact them as soon as i recieve the sar back after checking it does that sound ok

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thanks for last so if i write to orange asking for sar request first off then write to lowlife stating i have sent orange a sar and will contact them as soon as i recieve the sar back after checking it does that sound ok

 

No just request the DSAR...your not obliged to inform Lowell of anything...the debt has been assigned to them all they have is your name and address and the amount outstanding and who they bought it from.......they dont have or hold any documents.

 

Regards

 

Andy


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thanks for last so if i write to orange asking for sar request first off then write to lowlife stating i have sent orange a sar and will contact them as soon as i recieve the sar back after checking it does that sound ok

 

Yes agreed, you are under absolutely NO legal requirement to inform lowlifes of anything, send of the SAR with a £10 postal order (leave it blank).

The SAR is here http://www.consumeractiongroup.co.uk/forum/showthread.php?387306-Full-Subject-Access-Request-**Updated-January-2015**

Obtain ''proof of posting'' as a minimum, if you can afford it, send it by recorded delivery, they have 40 days (calender) in which to comply with your request.

 

Ignore lowlifes, all of their letters are spat out of their computer at regular intervals, writing to them won't do anything to stop that. Just ignore them.


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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thanks for that from both of you question do i send it to orange or ee as now known and if so have you an addresss please

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Customer Services

EE

6 Camberwell Way

Sunderland

Tyne and Wear

SR3 3XN

United Kingdom

 

 

I 'think?' that is the address, I pulled it off their website anyhow.

 

Address it to the ''data controller''.

State that it is for an Orange account in the SAR, ignore lowlifes totally.


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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update

today again 2 letters in same envelope one from lowells and one from lowells solicitors

one from lowells saying it been passed to their solicitors

and one from their solicitors saying it has not been paid yet reply or leave well alone???

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not a lot you can do really if they are going to issue a claimform no-one can predict really.


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You ''could'' respond with one line,

 

Dear Bill&Ben,

I am awaiting a response from Orange, they have 40 days in which to respond.

Regards.

PRINT NAME.

 

OR, you could just ignore them totally, I know what I'd do, their intimidation techniques are puerile, don't fall for them, they are deliberately designed to get you to contact them and trip yourself up.


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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yet another letter from lowlife letter of claim nothing heard from me in 14days then they will commence cc action any advice please:-(

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no read it properly

bet it doesnt say WILL anywhere


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we have not heard from you regarding your orange account and are instructed by our client, Lowell Portfolio to commence legal action and issue a claim against you in county court bulk centre in respect of this debt

 

you must contact us to make arragments to pay within the next 14 days or a claim WILL be issued without further notice to you.

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well that's the pot luck letter I mentioned they might send.

 

you could get a claimform you might not.

 

theres no way of knowing.

 

but if the debt is mainly termination fees etc they'll get no where

 

did you ring ornage and check you were making payment till 2013 like lowlife claim?


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Single Premium PPI Q&A Read Here

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Reclaim Bank Account, Loan & Credit Card Charges Read Here

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sorry for the late reply

 

I did check with bank

yes there was a payment made for the sum by direct debit

 

as this is my wifes bank account she cancelled it as it was always the same

however what i dont understand i have asked her this and she also says the same she had only one phone and that was a contract phone :mad2:

 

 

she does not think there was anything else involved but the price seems very steep for one contract phone

 

I have not phoned orange but have sent them a sar and awating this back question regarding sar what will that show?????:?::?::?:

 

delivered 25 jan signed for

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SAR will show you everything, all transactions, payments, bills, charges and will show you how the figure lowlifes state, has been made up.


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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thanks for that

 

wondering why i am getting this mail straight after each other

 

i wonder if ee have told them i asked for sar to try and get it to court before i can see what what:?::?::?::?:

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or before it hits the shredder...

 

I doubt EE would be telling the DCA anything about your SAR

they wouldn't be the least be interested or involved in any court cases


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

MAKES A THREAD TWICE AS LONG TO SCROLL THROUGH!

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

spreadsheets 

 

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wondering why i am getting this mail straight after each other

 

Because it is spat out by a computer, it doesn't know or care, what you are doing, least of all asking for a SAR.


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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hi

just received the sar from orange ee

 

the debt to lowells is debt of air time 639.13

and contract charges of 1579.23

 

a load of other documents also found out my wife had 2 of my kids on account:x:-x

this is so confusing

 

what do i need to look at

 

ee states that they do not hold any original signed documents

 

that these original documents are no longer available

 

any advice please

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Air time being what you used? £693.13....

 

Contract charges £1579.23 how is this figure made up?


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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sorry for beign dum but i have a shred of idea i dont think i would have used 693.13 i take it that the contract charges are for the reminder of the contract would it say where these charges are

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I completely agree, so what is that figure they're claiming you owe??

 

IF it is indeed the ''remainder of the contract'' that they have added on, then it is a service they didn't supply, as you never used it, so you're not liable to pay this, you had no use of it.


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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