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    • Future Comms issues. Read more at https://www.consumeractiongroup.co.uk/topic/416504-future-comms-issues/
      • 3 replies
    • This is a bit of a lengthy one but I’ll summerise best as possible.
       
      THIS IS HOW THE PHONECALL WENT 
       
      I was contacted by future comms by phone, they stated that they could beat any phone contract I have , (I am a limited company but just myself that needs a business phone and I am the only worker) 
      I told future comms my deal, £110 per month with a phone and a virtual landline, they confirmed that they could beat that, £90 per month with a phone , virtual landline  they also confirmed they would pay Vodafone (previous provider) the termination fee. As I am in business, naturally I was open to making a deal. So we proceeded. 
      Future comms then revealed that the contract would be with PLAN.COM and the airtime would be provided by 02, I instantly told them that this would break the deal as I have poor 02 signal in the house where I live as my partner is on 02 and constantly complaining about bad signal
      the salesman assured me he would send a signal booster box out with the phone so I would have perfect signal.
      so far so good.....
      i then explained this is the only mobile phone I use for business and pleasure, so therefore I didn’t want any disconnection time in the slightest between the switchover from Vodafone to 02
      the salesman then confirmed that the existing phone would only be disconnected once the new phone was switched on.
      so far so good....
      • 14 replies
    • A shocking story of domestic and economic abuse compounded by @BarclaysUKHelp ‏ bank complicity – coming soon @A_Gentle_Woman. Read more at https://www.consumeractiongroup.co.uk/topic/415737-a-shocking-story-of-domestic-and-economic-abuse-compounded-by-barclaysukhelp-%E2%80%8F-bank-complicity-%E2%80%93-coming-soon-a_gentle_woman/
      • 0 replies
    • The FSA has announced large fines against DB UK Bank Limited (trading as DB Mortgages) - DeutscheBank and also against Redstone for their unfair treatment of their customers.
      Please see the links below for summaries and full details from the FSA website.
      It is now completely clear that any arrears charges which exceed actual administrative costs are unfair and therefore unlawful.
      Furthemore, irresponsible lending practices are also unfair and unlawful.
      Additionally there are other unfair practices including unarranged counsellor visits - even if they have been attempted.
      You are entitled to refuse counsellor visits and not incur any charges.
      Any charges for counsellor visits must not seek to make profits. The cost of the visits must be passed on to you at cost price.
      We are hearing stories of people being charged for counsellor visits for which there is no evidence that they were even attempted.
      It is clear that some mortgage lenders are trying to cheat you out of your money.
      You should ascertain how much has been taken from you and claim it back. The chances of winning are better than 90%. It is highly likely that the lender will attempt to avoid court action and offer you back your money.
      However, you should ensure that you receive a proper rate of interest and this means that you should be seeking at least restitutionary damages - which would be much higher than the statutory 8%.
      Furthermore, you should assess whether the paying of demands for unlawful excessive charges has also out you further into arrears and if this has caused you further penalties in terms of extra interest or any other prejudice. This should be claimed as well.
      If excessive unlawful charges have resulted in your credit file being affected, then you should take this into account also when working out exactly what you want by way of remedy from the lender.
      You should consult others on these forums when considering any offer.
      You must not make any complaint through the Ombudsman. your time will be wasted, you will wait up to 2 yrs and there will be a minimal 8% award of interest and no account will be taken of any other damage you have suffered.
      You must make your complaint through the County Court for a rapid and effective remedy.

      http://www.fsa.gov.uk/pages/Library/Communication/PR/2010/120.shtml
      http://www.fsa.gov.uk/pubs/final/redstone.pdf
      http://www.fsa.gov.uk/pubs/final/db_uk.pdf
       
      http://www.fsa.gov.uk/pages/consumerinformation/firmnews/2011/db_mortgages.shtml
      Do you have a mortage arears claim to make? Then post your story on the forum here
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      • 0 replies
whammybird

4yrs old BT broadband debt sold to Lowell

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Hello

 

I have received a letter dated 21/12/18 from Lowell Solicitors regarding a 12 month contract I entered into with BT PLC 30/08/14.

I believe the contract was entered into over the phone.

 

As far as I remember I made regular payments and gave 30 days notice over that I did not want to roll on to a month to month contract as stipulated by them over the phone towards the end of the contract. I was a student in university at the time.

 

The debt stated as owed to Lowell is for £288.31 due to me not making agreed payments to BT PLC and was purchased in 15/09/17.

I queried this with them over the phone and they stated that it was for air time and an early cancellation fee.

 

My issue is that I was told I would not face an early termination fee to the best of my knowledge and that I made regular payments as well as at no time was my service terminated.

Lowell stated on the phone there was no obligation for them to provide any kind of evidence and could only offer options as well as no legal advice.

 

The letter from Lowell Solicitors states I must respond within 30 days to prevent a court claim being filed and a potential CCJ being issued against me.

This could seriously hurt my career as I work for a bank and upon taking my current job ( A promotion ) was investigated for any CCJ's I might have against me of which I had none.

 

I have contacted BT PLC and they will be responding within 7 - 14 days with access to my final bill and potentially account note access / phone logs if any are held.

Originally I contacted BT PLC and was put through to their accounts department offshore.

 

No one at that level could see anything wrong with my account, with one lady stating I just needed to pay an early cancellation fee of £60 and my debt could be removed / recalled.

I did not take her word for it and asked to speak to a manager who stated this was not the case and apologised as well as lodged a complaint but stated he could not enter the account due to the age to offer an explanation. It wasn't until I reached out to BT via their forum that I was contacted by onshore mods who have come to the above resolution to my query.

 

What can I do to dispute this debt?

What rights do I have?

 

I plan to pay the debt if it is genuinely owed and I have really made some kind of mistake or a payment has not been processed.

Additional information that might have some relevance is that I moved out of the property towards the end of that contract with it being a student private rent and have not received any communication from BT / Lowell regarding this debt to the best of my knowledge and I do not know how they have found me at my current address to issue this threat letter.

 

Attached are is a copy of the letter I received with personal info taken out.

 

Any advice offered would be greatly appreciated.

lowell 1.jpg

lowell 2.jpg

lowell 3.jpg

Edited by dx100uk
spacing

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Moved to telecoms

One multipage odd please so we can zoom and rotate

Read upload


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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you have a pap letter

read here

https://www.consumeractiongroup.co.uk/forum/showthread.php?481827-The-Pre-Action-Protocol-for-Debt-Claims-is-made-by-the-Master-of-the-Rolls-as-Head-of-Civil-Justice-1st-Oct-2017

use AND ADAPT the attachment in post 3

 

stop phoning powerless DCA's

they are NOT BAILIFFS

and have

ZERO legal powers.

NEVER EVER USE THE PHONE to a DCA

they will say anything to get you to pay.

YOU DONT!!

 

read from post 33 here

https://www.consumeractiongroup.co.uk/forum/showthread.php?491101-Lowell-Chasing-Recent-02-Account&p=5164200&highlight=ofcom#post5164200

 

use the attachments to answer the pap form and why you dispute the debt [unlawful termination charges till end of contract.


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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Hello dx100uk

 

Is the broadband contract covered by the CCA or do I just need to use the rest of the reply in the mentioned thread when sending my response to their PAP?

 

I will send this off in the morning and update with what happens next.

 

I cannot figure out how to delete my original uploads but please find attached the PDF multi page requested.

 

 

Thank you for your advice and reply.

Lowell pdf (1).pdf

Edited by dx100uk
updated PDF

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retitled and moved to broadband forum.

pics removed too.

 

theres no CCa for BB accounts no


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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Hello

 

I have received a response from Lowell. I have attached this as a PDF.

 

Could you please advise next steps?

 

The interesting thing is it mentions mobile phones, I had broadband with them not a mobile. This might be a generic letter which must include this part but just found it strange.

 

Thank you in advance.

response-letter.pdf

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Typical Lowell speculative fleecing

They don't have a clue what they are trying to mug you over


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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Do I need to do anything further? I am moving house today should I said anything? Any idea on typical timescales for these things or possible next moves from them?

 

Thank you

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when you are settled you must write to everyone on your credit file and DVLA re V5C and driving licence and inform them of your new address.

else fines [DVLA] and backdoor CCJ's [ DCA's] might be attempted.


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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