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    • ah the old lowells pre school letter did they use the red crayon too?   you cant CCA a mobile debt its not credit so not regulated by the consumer credit act.   cant be far off being 6yrs old surely now? what date is the default on your credit file? have you moved from the address you took this out at?  
    • its better you put letters up as a PDF please  read upload that way you have to be a member to download them and we can see if the enemy are looking at your thread.   but anyway yes ofcourse you ignore that its nothing more than a threat-o-gram.   I could recommend a washing powder to my wife if she buys it or even listens to me is a totally different matter
    • retitled and moved to the HFC forum plenty of like stories to read here.
    • Hello everyone. Another letter for IDRww today. I have attached it. Please could someone put my mind at ease or advise? From all your advise before- I assume I still ignore. They are saying they are now going to advise their client to refer to solicitors.  Thank you Lou
    • Hi all    Long story short, I am South African living in the UK for the past 6 years.   Roughly 4 years ago, I went to Thailand for a 3 month holiday. That was cut short due to O2 taking money out my account including clearing out my overdraft, roughly £2200.   At the time I had no idea it was O2. I thought I had been robbed.   Any way turns out, there is a overseas tariff for using your contract overseas?! I never knew about this, nor was I told or sent any updates regarding my usage in Thailand.   The total bill they say was £8000 and some change!!!!! I cancelled my contract, with immediate affect and said I was not going to pay this. They then sold there debt to Lowell's.   I have asked for a CCA, unfortunately I did it by email! Not sure it's still valid if it's done by email?   I got a response saying, they received my email but unfortunately they need me to send my name address etc. Which I refused as worried it would make me look like I acknowledged the debt!   Since then I have heard nothing, until today.   I got a letter of pre legal assessment.   Now the question/questions are. What do I do? Do I send a written letter requesting the CCA again or do I not?   Worried if I ask again then this will give them more time to acquire the CCA request.   I need this out of my life, as I am wanting to buy a business next year. I am worried as it's reflecting on my credit score. This has been a nightmare.   Any help would be greatly appreciated. 
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Hello all,


My sister in law received what she thought was a message from her friend asking her to accept some money from her Paypal account and transfer it down into her bank then transfer it to her friend’s bank.


She received two payments from two different sources, downloaded £500 and duly transferred it to her “friend’s” bank account.


Turned out that the message she received was from a fraudster and the money she received was from two hacked PayPal accounts and the bank account she sent the money to was not her friend’s account.


I know she should have questioned why her friend did not download the money herself, she should also have questioned why the money came from two unknown paypal accounts and maybe also double checked where she was sending it.


All good things to have done but she is a busy working mum and acted in good faith and was victim to a fairly smart fraud.


Paypal is now wanting the money back and has set Debt Collectors onto her.


Has she got any defence against Paypal?

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moved to the online forum.

nothing they can do.

a DCA is not a bailiff

PP don't do UK courts


forget about ignore everything.


PP's business plan is set up to absorb such fraud, its very well known and they do little to protect against such fraud.

they've not lost out as they simply claim against their business insurance.







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she should jump the gun by reporting it to actionfraud. That will help them get stuck into the source of the money and where it eventually went. saying nothing will mena that PP will continue chasing her.

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All good things to have done but she is a busy working mum and acted in good faith and was victim to a fairly smart fraud.


It's not exactly a smart fraud but relies on gullible people. It's a form of money laundering in which your sister's bank account was used to transfer fraudulently obtained money in to the fraudster's account.


The usual incentive is that someone like your sister gets to keep £50 or X% of each fraudulent transaction.

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now as they didnt offer an incentive and passed themselves off as a freind then there cant be said to be collusion in the fraud by the lady. her friends personal stuff has been compromised via a dodgy email or link somehwere and thus it just appears the email was from her when it wasnt.

With hindsight she may well wonder why she didnt phone and ask her friend about this and I'm sure she will be wiser after the event but for now she should react to get the dca off her back by getting a crime number and pass it on.

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Hello All


OP here. Thanks for your comments.


My sister in law is very honest and would never willingly participate in a fraud of this type and I would never seek advice on this or any other forum if I thought she did.

However, I don't doubt she made a couple of basic errors and learned the hard way.


I see no harm in reporting it to action fraud. My own experience of them is that they will not do anything except record it on their database, so pretty useless really apart from having the crime number of course.

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exactly that, she needs the crime number to get them off her back!

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