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    • Please also take photos of the sign at the entrance as well as any signs inside the car park especially any that are different. Please take them from a distance where we can read them and if there is a payment machine, the sign on the machine or very close to it that explains their T&Cs for the machine.
    • Thanks for getting the signage posted up so quickly. The sign on entry should explain their T&Cs. As they don't it means that  what they have given you is  an offer to treat, not a contract. For there to be a contract they would have had to put their offer at the entrance.  You cannot put a notice saying that their T&Cs are inside the car park and expect motorists to be subject to those T&Cs when they are unaware what the terms are.. They have to be able to read them and understand them before they can accept them. My feeling is that the sign that includes the charge of £100 is too small to be acceptable On top of that the sign at the entrance is for Parking Control Solutions while the signs inside are from HX Management-a completely different animal. To strengthen your case for not paying them is the fact that their PCN is not compliant.  Under the Protection of Freedoms Act 2012 there are certain wordings in  the NTK  that by Law must comply with the Act. They don't  have to quote that part of the Act in their PCN but the relevant wording has to be included. PoFA Schedule 4 paragraph 9 [2]   the notice must  [f]   warn the keeper that if, after the period of 28 days beginning with the day after that on which the notice is given— (i)the amount of the unpaid parking charges specified under paragraph (d) has not been paid in full, and (ii)the creditor does not know both the name of the driver and a current address for service for the driver, the creditor will (if all the applicable conditions under this Schedule are met) have the right to recover from the keeper so much of that amount as remains unpaid;   Your  NTK does not include  [if all the applicable conditions  under the Schedule have been met ]thus rendering the NTK non compliant.  
    • I agree its about time but why has it taken for the National Crime Agency to flag this up for then to take action and not Ofcom.   Yet again a Government Agency that is meant to deal with this hasn't Ofcom but flagged by another Agency NCA.   If the telephone companies have this facility in place already to do this then why hasn't Ofcom been pushing them to stop all these scam calls and giving them massive fines for not doing so.    
    • Hi   Send this to them:   Dear Sir/Madam   Formal Complaint   Reference:            (insert their complaint reference number here)   Thank you for your response letter dated XX/XX/2021 which I received by email on XX/XX/2021 that contained your Original Email sent that showed due to your Maladministration that you had sent the Original Email containing my Personal Data to an incorrect email address due to spelling errors in the email address.   a)      Due to this Maladministration of this email being sent to the incorrect email address this email contained my Personal Data which is a Data Protection Breach therefore I require clarification from yourselves that this Breach has been reported to your Data Protection Officer and what action is being taken to ensure that my Personal Data contained in that Original Email has not been read by the recipient that you sent that email to with the incorrect email address.   As the email was sent by yourselves to my correct email address containing the original email showing the incorrect email address was due to spelling errors (maladministration) your IT Department will be able to obtain those emails sent.   If I do not get a satisfactory response that this has been dealt with by your Data Protection Officer, I will report this Data Breach to the Information Commissioners Office (ICO) https://ico.org.uk/make-a-complaint/   b)      Due to this Maladministration I failed to receive your Stage 1 complaint response within the allocated time limit for a Stage 1 response therefore this complaint should be dealt with as a Stage 2 Complaint and if you refuse to treat this as a Stage 2 Complaint, I require Full Clarification for your refusal.   I was placed in this Tenancy via the Rough Sleepers Initiative and I find your response about damaged/destroyed items that you would not be able to look into this as this happened 2 years ago but all tenants regardless of private or social housing are responsible for arranging their own contents insurance totally unacceptable as again, I was never notified nor informed of this requirement on taking up this tenancy.   I require clarification from yourself that when a New Tenant takes up a Tenancy Agreement with yourselves why are the not informed of this requirement of Contents Insurance which you should be duty bound to inform all tenants on taking up a tenancy agreement if such a requirement and it should also be noted within that tenants Housing File which you have full access to as dealing with complaint so I require clarification as well if this is noted in my Housing File.   You state multiple properties throughout the area were affected by sewage flood on the same day and the issue will have stemmed from the mains which is not your responsibility.   a)      You have failed to take into that the above statement from yourself blaming the Mains is without any actual evidence from yourselves to back up this claim therefore I require clarification as to what actual evidence you have and to be provided with copies.   b)      You also failed to take into account that in my initial complaint letter that on 12th July 2021 basement flats 1 & 2 were flooded by sewage exacerbated by blockage in the property’s drainage. The blockage has been confirmed by two contractors after the flooding including CCR who were subcontracted by Pyramid Plus that it was the properties drainage that was blocked. Also, while I was decanted from this property, I was contacted by CCR who confirmed that the drain was blocked but they could not access manhole as it was inaccessible as it is located in a utility cupboard underneath carpet, floorboards so how could this be the Main and not your responsibility when it is within the properties boundaries.   Your response about how complaints have been made by residents in relation to this issue is that your system does not allow you to find that information is completely unacceptable as your Housing Association should be able to produce these as part of ongoing repairs and maintenance/procurement processes to present these to your Board for there yearly Budget meeting if not why not.   Then you state you are under no obligation to share that information; therefore, your organisation is not being Open and Accountable to your Service Users and under which Article of the General Data Protection Act (GDPR) are you using for this refusal.   You have also failed to mention that I can make that above request under the Freedom of Information Act (FOI) and what is your process for such a request again not being Open and Accountable.   I await your response.
    • RE: EC261 Compensation   It's normal they won't have asked you to contact them . Your initial rescheduling was obviously done by a bot - and there was no human to notice the mistake, as far as the bot knew your scheduling was perfectly normal so there was no need to ask you to contact them.   As long as that was done 2 weeks in advance the carrier's liability to notify you is fulfilled.   (You could have contacted them there and pointed out that the new schedule was impossible. Unfortunately you didn't. Claiming you didn't notice is not likely to work in your favor)   The bot who sent you the 24h confirmation didn't notice the mistake either, obviously.   At some point a human or another bot finally identified the problem and that's when they called you. As far as they are concerned neither you nor them had noticed the scheduling mistake and they took it on them to notify you so you don't have a bad surprise when you try and check in.   However as far as I know, neither flight was delayed or cancelled. You could have taken both flights, if you had the power to be in two places at the same time.   So I don't think there is any scope to claim for EC261. But claim forms are free so feel free to try.     Then, you can certainly make an old fashioned claim (directly to BA)   What could perhaps play in your favor:   It's the carrier's responsibility to ensure that they don't sell you a ticket where the flyer cannot meet the minimum connection time or MCT.   This situation mostly applies to situations where the flyer doesn't know and gets caught. For example say you connect at LHR and you are given 35 minutes to connect. This may look just fine to an unsuspecting tourist, but in reality there is practically zero chance to make the connection, therefore the airline is liable here for selling you this ticket resulting in you missing your connection   In your case though it could be argued that even an unsuspecting tourist should be able to tell that it is not possible for them to depart 5 minutes prior to disembarking and therefore that you should have checked your notification more carefully.   The fact that the bot allowed such a glaring mistake to happen is certainly an argument in your favour shall you decide to make a complaint.     What doesn't play in your favor:   The airline obviously did their best to get you to your destination as soon as they noticed their mistake. They offered you more than one alternative (the first alternative would have got you in time at your destination, but you declined) and you then accepted another alternative, and fully travelled the ticket. That is a very strong position for them.     What did you lose and what do you intend to claim for?   You took the overnight connection so obviously you had to stay at an airport hotel. Is that correct? Did you keep the receipt for your hotel and meals?   You certainly should have asked them on the phone when negotiating your re-route that they provide a hotel. Within 20hrs of the flight it's something they would most probably not have denied to you (but airlines will generally avoid offering off the bat. Why lose money when a customer is just going to roll with it and pay for their own stay anyway, right?). After the fact it's going to be a lot more difficult to claim.   I do certainly think it would be reasonable to try and write them a polite but firm letter to claim for that. Not 700 euros, not damages and hardship and all that jazz, just the extra expense you incurred following a scheduling mistake that they made (that should have never happened) and that they didn't notice until way too late in the day , with your categorical inability to leave 3 hours earlier (you had very important business meetings or something critical, it certainly wasn't just convenience) and the extra costs incurred, and asking that they kindly provide compensation for the hotel and meals, which you feel it was their duty to offer you and you are politely disappointed that they didn't, and thafully you happen to have kept all the receipts. Put Alex Cruz on copy for good measure.   No guarantee but I feel it has a fair chance of success. Most probably you will be offered a heap of Avios instead of cash. It's then up for you to decide whether you want to accept that. Personally I wouldn't bother going further, but that's just me. See if anyone here disagrees, and do let us know what you decide and keep in touch with how it went.            
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Paying off my debts. but who should I pay? Default City


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Hey. Newbie here..

 

Okay, Sorry this might be a long one as I don't want to miss anything out!

 

So over the 26 years ive been alive I have got myself in a pickle; default city to be honest, mostly low-level everything combined is under 8k.

 

I have just got a lump sum of money to pay off my debts to help recover my credit score so I can one day buy a house.

 

Now checking my credit score I started going through one by one going to pay them off,

I got to Lloyds and they have sold my 3 debts to two companies ( 1 is Credit Security LTD and 2 is Robbins way ),

I have had these loans outstanding for 3 years or so and they have never contacted me ( got 2 letters from credit security but nothing from robins way )

i only found this out ringing up Lloyds, the default shows up on my credit file from Lloyds and that's it.

 

Do I contact these people or not?

I can't remove the Default either way so what should I do?

and if I don't do anything that can happen, the amounts of these are £1525. £870.00 & £1800.

 

This is where my second question comes in,

my old phone contracts ( yes I was stupid ) have been sold to Lowell,

now I never ever saw them as a threatening as they would send letter after letter and that's it nothing came of it for a few years ( back from 2014 2016 2017),

 

stupidly when I decided to set up a DMP a year ago it classed as I made contact with them ( so resets the 6 year time frame ),

now they have now left 3 defaults on my credit file,

 

why is it under THEIR name and not orange etc like the Lloyds?

I paid them £50.00 today and going to call up to pay a payment plan,

I do have enough money to pay them all off today but is it worth it or just paying per month and keep some money aside? (it's 2400 altogether),

 

now reflecting back on that should I of paid them or just ignore them as it would have got written off?

Why have THEY put the default on my account instead of the business itself and not the other company that's taken over my Lloyds account?

 

Why is my Credit file showing nothing of these other debt companies, if it is not on your credit report does it really matter?

 

Sorry, I'm a little bit of a newbie at this!

I know when default goes on your credit file it stays there for 6 years and there is nothing I can do about that.. right?

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Correct...6 years and then falls off......and in the meantime...paying anything towards it wont alter your score or improve it....just line the pockets of DCAs.

 

Any debt that has not had payment or acknowledgement for 6 years becomes statute barred and cannot be enforced.

 

 

Andy

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paying anyone on old phone debts is a bit pointless in a way

they cant enforce them anyway

and I expect they will be a debt up until the end of the contract term [montly payments till end of contract]

 

you weren't using the service anyway, !!

 

Ofcom have clearly stated that payments till end of contract are unfair penalty termination figure, or such words.

 

why don't you send everyone you are blindly paying a CCA request

[but not phone/bank account debts]

 

I bet you'll be surprised how many cant produce the agreement you signed?

 

can you list your debts please

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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Ahh amazing thankyou!!! okay and in a short explanation if you don't mind...

 

a CCA will enable what kind of good outcome?

 

Also, does it matter if I have contacted them or paid or not ( not sure if they see this as you owning up to be accountable for the said debt ect.

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a CCA request [where relevant] forces whomever OWNS your debt to send you within 12+2 WORKING DAYS copies of certain stuff [like a signed agreement etc] that PROVES they have the legal right to demand any payment off you [read the CCA request link and all its posts]

 

as for contact..

we've never seen a DCA/owner take someone to court whereby the only contact in 6yrs has been by a letter sent to them [rather than a payment]

phone conversations don't count either in case you are wondering.

 

with these things its always better to send a CCA request and if they fail to comply go total radio silence.

 

pointless negotiations and letter tennis often make matters far worse.

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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  • 4 months later...

getting my credit score back to normal but having to sort out the issues i created in the past...

 

, I have 4 Lowell's defaults on my credit file, issues

one from Vodaphone ( 1229.33 )

Capital One (513.08 )

Very Account ( 513.08 ) and

an unknown ( balance 252 but account balance is at 34?)

 

I have had ONE telephone convo with them and paid them £50 in October 2018,

didn't really understand what I was doing but the lady super pressured me into paying some money instantly, ( i then came across this website)

 

Some of these I had no idea about until I checked my credit file, now I understand I can send off a CCA Request, few questions...

 

1. if successful could the defaults be removed from my credit file or would it be simple to stop asking for money?

 

2. I read someone that mobile phone contracts are exempt from CCA 1974?

Also, I have heard from Lloyds when I went to go and pay them that they have now sold my debts to robbins way morecroft and credit control ltd (Lloyds account opened in 2016) ... what is the best way to respond to these people when I start receiving letters?

Any help or advice would be SUPER appreciated

 

Also, I want to Thank you so SO much in advance, taking your time out to help people with your knowledge!!

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The original creditors defaulted the debts before or on sale

If the debts are defaulted..paying them off wont improve your score

 

When did you take these out?

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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Thankyou for replying :D

 

So a CCA wont really do anything?

 

A copy and paste from credit file

 

Lowell

£ 513

updated 06/01/2019

Default

 

 

Name Miss Lucie

Address Flat ***

Date of birth **

Account type Credit Card

Account number ***************147 0

Account start date 30/09/2015

Opening balance £ 518

Repayment frequency Monthly

Date of default 01/08/2017

Default balance £ 518

 

--

Lowell

£ 305

updated 06/01/2019

Default

 

Name Miss Lucie

Address **

Date of birth **

Account type Mail Order

Account number **************9603 0

Account start date 10/07/2017

Opening balance £ 208

Repayment frequency Monthly

Date of default 17/04/2018

Default balance £ 208

 

 

--

Lowell

£ 252

updated 06/01/2019

Default

Name Miss Lucia ( miss spelled my name )

Address***

Date of birth ***

Account type Telecommunications Supplier

Account number **************7721 0

Account start date 11/12/2016

Opening balance £ 34

Repayment frequency Monthly

Date of default 20/09/2017

Default balance £ 34

 

---

 

Lowell

£ 1,179

updated 06/01/2019

Default

Name Miss Lucie

Address ***

Date of birth ***

Account type Telecommunications Supplier

Account number **************8434 0

Account start date 16/12/2014

Opening balance £ 1,234

Repayment frequency Monthly

Date of default 02/12/2016

Default balance £ 1,234

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2 phone debts

1 card

1 catalogue

 

all within the last few years.

 

are you still at the same address they were taken out at?

 

shame you got [email protected] out of £50

next time ..NEVER EVER

ring a fleecing DCA

 

they are NOT BAILIFFS

and have

ZERO legal powers.

 

are you being chased on these?

 

old and new threads merged

 

suggest you re read from post one now to refresh yourself upon the advise already given

 

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... 

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I thought that maybe that post was forgotten about and wanted to give a clearer question on what i wanted to know as i got a little lost, sorry!

 

& not living at any of the addresses but one has been updated to my current address, and getting letters maybe by-weekly.

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its all important info upon you situation.

 

well at the very least you must inform the owners of those debts upon where you now live in writing.

 

in this day and age backdoor CCJ are very common and the 1st you'll know about it is a bailiff at your door

ok they cant do anything on a consumer credit debt

but it will screw your credit for 6yrs if they do get a backdoor CCJ.

 

the benefit here is all the debts are owned by lowells

so sending aCCA request for the card and the cat debt will inform them of your correct address with relation to the others they hold.

 

typically its very difficult for them to win court cases over phone debts

as invariably the sum owed is early termination charges till the full end of contract.

and the relevant authorities have deemed such as unfair.

 

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... 

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  • 2 years later...

Hey, 

back again trying to sort my credit file - just a few questions,

 

  • How can I make sure of default date I have a few debts which dont make sense date wise & I'm worried Lowell might have brought it forward ( or is that not a thing?)  I'm 99% sure I defaulted before this . attached bellow example & the payment history only goes up to the default date.  
  • Can I contact Lowell to ask some questions without penalising myself (not sure if they will refresh anything?)
  • Is the default date from when I defaulted with the original or when they bought it?

 

Thankyou so much in advance, I have learnt so much already!

 

 

Lowell

 

Currently open

£248

Current balance

OVERVIEW

 

Account type

Telecommunications Supplier

 

Status

Default

 

Account number

**************6351

 

Last updated

06 Sept 2021

 

Start date

11 Dec 2016

 
 

PAYMENT INFORMATION

 

Opening balance

£108

 

Repayment frequency

Monthly

 

Date of default

20 Dec 2018

 

 

 

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A debt buyer cant register a default, all they do is their name replaces that of the original creditor. The oc would have registered the default on or before sale. A dca cant change that date

 

send the oc and śar

read all the posts in that thread carefully

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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Quote

 A dca cant change that date

 

Shouldn't but we see they have in the past

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Click SAR and read as advised.

oc original creditor.

 

We'd love a DCA to have changed it...the SAR will get you everything from the oc but you must read all the posts in its thread link .

 

If the default notice is dated diff to the registered date under the credit file entry it can be dealt with via the ico.

 

you really should be reading up using our search...CAG is self help too

 

 

 

 

 

 

 

 

 

 

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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Why are you logging on to the DCA Lucie ?

We could do with some help from you.

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 Have we helped you ...?         Please Donate button to the Consumer Action Group The National Consumer Service

 

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Hey @Andyorch because i have about 5 Lowells and i have no idea who and what they are, Only thing i can see if 'retail finance' on one and others is 'Telecommunications' 'Utilities' i thought that maybe if i logged onto their portal it would tell me who its from ?  ( they are from 2016/17 so i cant remember 😬) TIA X

Edited by lucie1211
adding
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Doubt it.....do they all appear on your credit files ? If not I wouldn't worry about it until Loweel try to escalate any agreement by way of a court claim.

 

You state you have 5 debts with Lowell have they wrote to you separately stating the type of debt and reference/agreement numbers/balance etc  ?   

 

 

.

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We could do with some help from you.

PLEASE HELP US TO KEEP THIS SITE RUNNING EVERY POUND DONATED WILL HELP US TO KEEP HELPING OTHERS

 

 Have we helped you ...?         Please Donate button to the Consumer Action Group The National Consumer Service

 

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Hey @Andyorch Yes, all 6 of them, I have moved around so much Iv lost all of the letters but do remember them coming in full force.

They also texted me today too saying i can "manage my account" online. Heres a screenshot of the top of one of the emails which give me a snapshot of (what I have but not all of them) that I got recently but it doesn't match up with the amounts on credit file.  & directly below is whats on my credit file.
 

Name.     Start date.      Default date  Amount 

lowell    30/09/2015    01/08/2017.   513 

lowell    11/12/2016    20/09/2017    252    

lowell    10/12/2016    20/12/2018    248        

lowell    10/06/2017    17/04/2018    305     

lowell    02/12/2016    02/12/2016    1179        

lowell    27/01/2016    15/01/2019    858

Anything after 2017 I never not paid so I dont understand the default anywhere close to now so Im going to so the sar suggested. 

 

Just need to know who the heck they are so thought logging in would be best idea

 


http://www.streamail.co.uk/content/images/3F83B8B4-F575-48F3-B328-9B308EC1191B/Lowell_Logo_RGB_Colour_AW.jpg


 

 

YOUR OUTSTANDING ACCOUNTS
ORIGINAL COMPANY NAME LOWELL REF BALANCE
Sky UK Limited 34200051 £116.96
SSE Retail 37354222 £205.86
Three Mobile 37337214 £858.31
    £
    £
    £


11/02/2021

 

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Have you paid anything to lowell on the others pre 2017 ?  Sky do not mark your credit files so neither should Lowell.

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VERY stupidly a day before I found this website I paid them £50 to something ( no idea what account she didn't say she told me i NEEDED too and i got all worried) on the 9th October 2018. before that never only ever spoken to them once and that was then! 

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Normally we advise that you send a CCA request for any alleged debt once a debt has been assigned to a DCA. You cant use this for the Sky or Three or SSE accounts as they are not legislated under the the Credit Consumer Act 1974.

 

So that leaves you 3 more debts you said that all show on your credit files...can you get a little more detail from your files of the type of debt and then we can work out who the possible original creditor was and if you could send them a request for a copy of the agreements.

 

This should be your only contact with a DCA at this stage and to see if they can respond.

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We could do with some help from you.

PLEASE HELP US TO KEEP THIS SITE RUNNING EVERY POUND DONATED WILL HELP US TO KEEP HELPING OTHERS

 

 Have we helped you ...?         Please Donate button to the Consumer Action Group The National Consumer Service

 

If you want advice on your Topic please PM me a link to your thread

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