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    • I did call student loans and they don't have any record of anything and no details were coming up with the old Student Loans reference number. They were the ones who told me that the loan would have been taken over by Erudia and asked me to call them instead.
    • yes when you get your N180 from the court. on the sols copy omit phone/sig/email.
    • you dont need a copy of the letter. just proof. it might pay you to sar SLC as if they had your correct address on record before loan sales to erudio , that will add another very strong string to your bow toward setting aside this backdoor CCJ and the arrows you'll fire at Arrows (Erudio are arrows DCA in sheeps clothing)   you also might like many others find that you still have access to the online SLC portal. that could be useful with info. like deferral dates etc and address and what they knew and when.   at present you are in the info gathering stage, the more of that you can get the better.
    • IMHO i would never have a DD setup for any consumer credit debt. they are not a priority, like mortgage/rent/CTAX/Gas/Electric.   this gives you a bit more work to do, but it ensures there is always money for the priority things that can threaten the roof over your head or it's the necessary home utils needed with one.   it's also worthy to note that somethings that are unconscious priorities (though NOT!) like mobiles/phone/digital tv and broadband etc DD's often contribute to the real priorities not being paid. careful management of those needs to be exercised, like moving their payment dates to after the priorities are deal with in your calendar, or vice versa move the priorities to before those come out.   it is stunningly amazing how many families fall into priority bill debts by blindly pay these 'mentally essential luxury gadget' bills and are in total ignorance of the effect they have upon their available funds as 'they can't live without them'.
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    • Hi @BankFodder
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      They took until the last day to respond and denied the claim, unsurprisingly saying my contract was with Packlink and not with them.
       
      I opted for mediation, and it played out very similarly to other people's experiences.
       
      In the first call I outlined my case, and I referred to the Contracts (Rights of Third Parties) Act 1999 as the reason to why I do in fact have a contract with them. 
       
      In the second call the mediator came back with an offer of the full amount of the phone and postage £146.93, but not the court costs. I said I was not willing to accept this and the mediator came across as a bit irritated that I would not accept this and said I should be flexible. I insisted that the law was on my side and I was willing to take them to court. The mediator went back to Hermes with what I said.
       
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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 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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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 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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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 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 weeks later...

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 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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Share on other sites

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 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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