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    • The revenue protection officer worked for a train operating company.  If you know which Train company it is, go to their website and look for their complaints process.  Then submit the complaint with full details and copies of the tickets.     
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    • Why I went back:   Eventually, after being detained too long against my will. I paid the higher fare due to threats of a fine and in effort to gain my right to freedom: I then went through the turn-styles and on my visit to the booking/box office(aka: the main ticket booth on the way out) The man said I had to go back to the turn-styles to get my refund as he said it was a different system.   I asked him to come with me. He said he could not, i asked him to hold my hand. (English term of phrase). I did not want him to actually hold my hand.   He understood that and refused as he was on shift.    That is why I had to go back. I made an account here to seek help for me and other passengers. The site admin of this forum constantly tried to pass blame onto me. for many days. I cant explain how stressful this has been after the stress of the incident.   Can you please help me?                
    • So ,  after sending a letter refusing to accept the refund that was offered i received a phone call yesterday and an email that sums up the conversation i had. I have copied this below.  Good morning Mr Thank you for your email received on 16 August 2019.I’m sorry you disagree with our calculations and felt that my colleague didn’t listen to you.  I understand you don’t want us to make any accountadjustment or accept our proposed solution, until we look at everything again for you.We’re committed to providing our customers with the highest quality services, so I’ll do all I can to help you and put this right.I’m pleased we had the opportunity to talk about your concerns and decide on the best way forward.  As we agreed, here’s a summary of the issues wetalked about:· You requested details of your metered bills and payments (I’ve attached these to this email).· You don’t want to accept the solution we offered, of billing you on our ‘assessed charge’ tariff.· You don’t want to accept the goodwill payment offered £220.00 and feel you could have built your extension 2 years earlier, if we hadn’t charged youtoo much. · The meter readings we billed you for include water used at 74 Scotchman Lane, because you have a shared supply pipe.· You’d like 50% of your water and sewerage volume charges refunding to resolve this.· You’d like interest on your overpayment calculated accurately and based on 8% (not the Bank of England base rate).· You spoke to our technician and you said he advised it would be easy to alter your private pipework, so a meter can be fitted just for your home.· You prefer to pay a metered charge.· I’ll look into the points you’ve raised, and I’ll do all I can to work towards an amicable solution with you.I’ve taken the first step and I’m pleased to confirm that we’ve arranged a meter survey to be carried out on 6 September 2019 (arriving between 10amand 12 noon).  This survey will be done by our service partner ‘Morrison Utilities’, and they can estimate what it will cost you to have the pipeworkaltered, so a meter can be fitted.  Once I have the results of their visit,I’ll give you a call so we can talk about our next step.After we reach a solution and agree how you’ll be billed, I’ll be happy to work out a new interest calculation for you.  We use the Bank of England baserate and this won’t be changed, but I’ll be happy to renegotiate a final settlement figure with you.  If we pay interest, this will be subject to current HMRCtaxation rules.I assure you, I’ll keep an eye on your account and update you on each step we take.  I’ll call you again by 13 September 2019 about our progress.In the meantime, if you’d like to talk to me, please call me on 01274 318452 and I’ll be happy to help.  If I’m not available you’ll be able to talk toa colleague or leave a message.Regards   Personally i am not happy with the email especially as I didnt mention that i would pay for any pipework to be altered. He did say to me on the phone that the pipes after the boundary are ours and therefore our responsibility. I did then point out that if this was the case then there is nothing to stop me cutting and capping the pipe after it enters my property.    I am now going to try work out what the refund with 8% interest is from the figures he has provided.
    • Looking at the thread Im guessing theyre SB?
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waterlicked

Lowell financial and 4 debts

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My partner started to receive letters from a company called Lowell financial a while ago.

When I saw them alarm bells started to ring and I did a bit of research on here.

 

From what my other half tells me,

these debts were from well before we met so are probably 10 years or more old.

 

The debts were from capital one,

three,

jd wiliams, and

shop direct.

 

We sent a cca request and £1 postal orders for all the debts.

Lowells have acknowledged all the cca requests and closed the three account.

 

It has now been a month since we have heard anything from lowells about the remaining 3 accounts.

We have checked on experian and it seems lowells have 2 of the named accounts showing as in arrears for about 4 years.

 

From what I read on another post, my other half should not pay them anything ever.

They have failed to provide any of the original documents so as far as I can tell they are unenforceable and should be off her credit record after 6 years.

Am I correct And should we be worried about it?

Edited by dx100uk
spacing

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you say no payments have been made on any of them in 10yrs?


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you say no payments have been made on any of them in 10yrs?

 

No, I said the debts were probably over 10 years old. They were from when she lived in a flat before moving back home into her mothers house.

 

Closed the Three account after a CCA request?

Please do tell more...

 

Cca request sent on 4th July, acknowledgement of the letter received on 11th July, letter about closed account on 14th july

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so the rest have now well failed the 12+2 working days time limit

 

ignore until or unless you get a letter of claim.


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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

Single Premium PPI Q&A Read Here

Reclaim mis-sold PPI Read Here

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As an update on this thread, my partner has today received 3 letters, all the same but for the 3 remaining accounts.

 

state that they are still waiting for a copy of the documentation from the former debtors and the accounts remain on hold.

 

They say we should hear from them within 40 days.

 

I thought they had to provide to us the original docs within 12 (+2) days, which they have failed to do

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former debtors?

you mean the original creditors

 

yes they only have 12+2 WORKING days

if they fail stop any payments till they comply with a CCA that gets checked here first


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

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Just to clarify, this is what their letters say...

 

We refer to your recent request under sections 77/78 of the Consumer Credit Act 1974 for a copy of the documentation for this former capital one/ j d williams/ shop direct account.

 

We have requested a copy of the documentation but have not received it yet.

 

Your account will remain on hold while we await the requested information from capital one/ j d williams/ shop direct.

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so you dont need to pay them a bean until they produce such paperwork and if they never do then you dont pay them at all.

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The 40 days they claim to have to supply the requested documentation have long gone but all 3 remaining accounts are still showing up on her credit file as in default but queried. Is there anything we can do to get them removed? The three account has been cleared from her credit file.

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accounts stay on credit file till the default reaches its 6th birthday

then they are removed

paid or not, paying or not..makes no odds

 

theres not reason to remove them no.


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Single Premium PPI Q&A Read Here

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received a letter from lowells again today. they have supplied paperwork for a capital one credit card. from what i have seen, she made the last payment on it in september 2013. what should we do now?

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Start a new thread in the cap1 forum

Give a brief history

And scan the cca return upto one multipage pdf please

Read upload

 

Dx


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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