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    • Ok so to cut a long story Short I had a massive breakdown in a long term relationship 5 years ago leaving me with large debts. I'm a reformed person now to how I used to be with money and I'm looking to get a mortgage.  I have ignored these debts as I'm aware of the statue barred system.  Sadly the other day I have received 2 pre legal assesment letters from Lowlifes based on 2 old O2 accounts.  I'm aware that the pre assesment is just a threat but it's one I need to take seriously based on my mortgage applications. The drop off date is not till next summer.  It leaves a sour taste in my mouth to set up a payment plan for this although it could be the way forward.  I maybe up for full and final but the accounts equate to £1000 roughly.  Can someone advise me on the best option for these without judging.  I have previously beaten lowlife in court for a ccj based on another communications account I held based on no CCA to prove it was mine although I think I got very lucky as I'm aware it's not regulated under the CCA.  I currently have another CC account which I'm fighting with Roboway via the prove it method for which they have wrote to me twice over the months stating they are having issues with the original creditor.  Sorry for the long read but this is massively important I avoid a CCJ. 
    • sorry I was mixing the wrong CAT provider in there. yes JDW, not SD   so in a nut shell you cant find any payments to JDW or say Littlewoods or any of the JDW catalogue names they provided but can find ref for studio cards [yes express gifts]   so they are trying 2 claim on at least 2 cat debts that are prob SB'd and using AC numbers in their POC that don't appear to match those on your credit file?   what about the studio card details, does the payment ref match the POC AC number?
    • Ok, so I have sat down and done the sums and to say I was a little out on my original debt assessment would be an understatement. The figure I owe is actually ALOT more than I anticipated. Here is the breakdown:   MBNA Credit Card - £3,833.61 Barclay Credit Card - £9,914.02 Natwest Over Draft - £2,241.51 Paypal Credit - £2005.88 Littlewoods - £1287.33 Next - £603.98 Other (This is what I owe a friend of mine who helped me, they said they're not urgently needing this money back and to sort out the rest first but I feel a massive sense of need to repay them) - £7,000.00 Total of Company Debts- £19,886.33 Total Debt with extra money I owe friend - £26,886.33   Thank you in advance for any help and advice. This figure has been very overwhelming and is a massive wake up call for me.      
    • Hi dx100uk Thanks for reply Have downloaded all bank accounts going back to 2012, checked same for JDWilliams/ J D Williams/ Williams and can find no indication of payment at all to any name or similar But Express Gifts ( Studio Cards? ) according to bank statements made last payment ( £35 ) on 24/07/2013. The reference numbers shown by Lowell do NOT match the account numbers shown on my credit file?   Once again many thanks for help Trace
    • When you list your debts, can you include  the approximate month/year you took out the account or loan.  Also when the accounts were defaulted, if you have received a default notice and could not pay the amount on the default notice.   If you have Government debts such as Council Tax, please state the current position.    Are you currently working ? Do you claim any benefits  ? If you are on low income, have you applied for any help. It would be Universal Credit now and not  Council Housing Benefits, unless you have any existing Housing Benefit claim.    
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jojonlp

Issue with Orange / EE / Arrow Global Ltd default stopping mortgage

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Hi,

 

Could I ask for some advice on how we should handle the following situation, that has recently cropped up.

 

This problem started we believe way back in 2011,

we went to the car phone warehouse to change a telephone that we had on contract with Orange.

 

 

We were told that since Orange no longer supplied mobile phone services the mobile would be registered with EE the new Orange provider.

We changed the telephone over and the assistant at car phone warehouse confirmed with Orange/EE that the old contract was now cancelled.

 

Then some months later Orange sent us a bill for 3 months connection charges for the old telephone,

we spoke to Orange a few times by telephone

and they finally agreed to sort the account out

and remove the charge since we no longer had that telephone.

 

We then moved address, although both me and my partner still had EE phones so EE had full information of all of the addresses we had occupied.

 

Now in 2017 my partner attempted to get a small item on credit and were shocked to find out that she had some sort of issue on her credit file,

when we look at her credit record on a free credit database service,

 

 

we were shocked to see that Orange had somehow and for some reason registered a debt of £125 against my partner causing issues on getting credit.

we may need to get a small mortgage soon so we were really concerned about this.

 

we have called EE and they quickly passed us over to Orange (although they are supposed to be the same company we thought)

The Orange contact we were given was an email only service.

 

The initial response we got back from them once we had highlighted it was that they could not find anything on their system to do with our account.

Also EE had said they could not see anything in their records pertaining to this debt.

 

We emailed Orange a second time and told them to look harder since it appeared that Clear score had something registered against my partner for, a mobile phone issue.

 

 

after taking her d.o.b etc they looked again and this time they found something but could not be specific about when it occurred?

At first they telephoned my partner and said said the issue occurred in 2011, at an address which we did live at in 2011,

then when she advised them that we did not owe the money since it was from an old mobile that had been transferred by them to EE, and that the debt should have expired anyway since it was 6 years ago.

 

The person at Orange then emailed her to inform her that the issue occurred in 2014 (he had appeared to change his mind?)

but that the address it occurred at was the old address

(we did not reside at this address in 2014).

 

they advised us that they could do nothing about the issue and that we would have to speak to EE customer service,

we again spoke to EE customer service who again told us they could do nothing since it was with Orange Credit team ??

 

We emailed the Orange credit team yet again and they said that the debt had been passed to a DCA, and asked us if we had received any letters from said DCA (Arrow Global Limited).

 

We advised EE that we were extremely disappointed and that we want them to escalate it,

we have heard nothing yet and now we are considering what actions to take moving forward.

 

We have not communicated with the DCA since we have no contract with them and don't want to put ourselves in any situation that means we are in contract with them.

 

 

Could anyone give us some advice on how we could/should proceed with this.

 

Any help would be appreciated.

 

Many Thanks,

John.

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send EE an sar.

get all the info.

 

 

dx


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