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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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jcbkabs

Lowell incorrect Default - orange account

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Hi Guys 

lowell have placed a default on my credit file for a mobile phone/iPad 30 day contract

 

they claim it to be a mobile contact but then next letter it’s a iPad 30day account

 

in the next letter there are two contracts the sort code matches mine but bank account doesn’t match (I’ve found out the account is for a dissolved business)

 

the agent advised you that this would be actioned as requested taking into account 30days cancellation notice

 

they have stated in letter that  line was disconnected as requested 

 

orange have advised Lowell payments made a month after cancelation

 

lowell have also closed the account as a good will gesture but won’t remove default and aren't chasing it but it’s not marked as closed on credit files

the sum claimed I owe and the default sum is different

 

no default received

default placed in 2017

 

for jan 2016 on my credit file showing a default had been place 8monthes after payment(out side guide line).

 

Lowell

 

I have a letter from 2016 saying Accout was cancelled early April 2015 and a payment taken early may 2015

(I don’t have bank statement as it not my bank account the payments where made from and I’ve never been with orange  

 

in jan 2017 they register a default for jan 2016

I’ve written to them many times since 2016 when I received a letter

and sent the prove it letter

they send a unreadable contract

 

I had a letter saying it’s for the iPad 30day account but (if it’s a 30day account and you don’t make payment wouldn’t this terminate the contract? Or would arrears build up for a few month then default and they and a early termination fee?)

 

I’ve today had a letter stating it’s for the mobile telephone which they claim had been cancelled by giving orange the required 30days notice which I have I gotta writing from them???

 

as this has prevented me getting fair finance deals on both my car and van

can I sue them for the extra it’s cost me?

 

my limited company has also just looked to trade the pickup in with same finance company

all payments are up to date intact we have made over payments

they checked my credit file and rejected the application 

 

this default is the only negative on my file

all payment up to date and on time and most paid off early

 

since this has been on file our equipment lease with our other company will end up costing thousands more.

 

Would take it if I had had accounts with orange

but orange doesn’t even work in my house

I’ve always be with o2, Tesco’s and now sky all on o2 platform.

 

its probable cost me over £20k so far

but our new business will need to borrow heavily over the next ten years

I’m frightened we may get refused because of this

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Is there any thing I can do with this?

as I need a new van for my trade even tho I’ve over paid and never missed a payment

current finance company won’t accept me for finance on new van with me trading in my old van and clearing outstanding and putting down more than is required for deposit.  

 

The on contract I’m on has a age limit on vans

mine is now over that age and they have informed me I have 21 days to change it or they will no longer supply me with work.

 

so I need to sue Lowell to get this sorted or is there a easy solution?

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sorry you've been missed for more than a month

not sure how that happened.

 

Lowell didn't and cant file a default 

only the original 'creditor' can.

 

you need to SAR orange and get all the details

then workout your next move

 


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Orange wasn’t on my credit file ever had an account with them  then in March 2017 Lowell appears on my credit file with a default for jan/2016 I’ve written to Lowell and orange both refuse to supply contract it’s not in the SAR requests of both companies.

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fraud or ID theft then.


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I’ve found a basic bank account opened in my name that I haven’t opened?

 

Lowell is my main worry

I want to prepare the ground and am I’m to sue for extra costs I’ve incurred and one of my business has incurred a higher interest rate on the equipment lease because or me acting as guarantor.

 

So thinking sort personal clam first then get my company to sue as well.

But don’t know how to approach it first as no info around about the rules they are using with regard to mobile phone defaults?

 

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I very much doubt Lowell are your target if you have a target at all for court.

orange would have defaulted you and created the account

Lowell just inherited everything in good faith,

 

so how did someone sign up as you...

probably went into an orange shop and used your name and a letter from your bin not shredded.

 

whos dissolved business was the DD pointing at.

 

 

sorry but im having a wee bit of trouble understanding the full story

I will gather than English is probably not your native language?


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Dx100uk. I have dyslexia and some other issues so sorry if my English isn’t to your approval

 

lowell stat they purchased the account from lowell stat they purchased the account from orange before the default was placed on the account so that is why I want to sue them.

 

Your attitude isn’t very pleasant towards people and not very helpful

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you haven't got to be approved or seek approval from anyone on CAG to post here

my enquiry was not put in any unpleasant manner, simply to understand the reason behind why I was having difficulty understanding the whole story.

 

with regard to p'haps appearing unhelpful...you have to realise we get 1000's of complaints about default issues, most new users don't understand how accounts/credit files and all the various processes work that results in a default on your file and how to possibly get rid of and who your target might be.

some people have some really wild ideas.

 

CAG getting to the bottom of a story and clarifying a few things, when p'haps, as you have, you've jumped through all those hoops already, might seem we have an attitude and are being unhelpful, or dont believe you...but we don't/didn't know what you had done to date, and as said, trying to understand your posts was a wee bit of an issue,

 

ok less of that dx...……..

 

if you have it in writing from lowells that they placed the default on the account.

and that account had to whatever date never appeared on your credit file till lowells made that happen with the default.

it APPEARS to me you have a very good case to issue a court claim for losses via a letter before action.

 

however, 

have you to date not taken all of this to the FOS and or the ICO?

they are both regulators in their own right and could resolve this 

now, you wont get the kind of  compensation you ar after through them , but if lets say the FOS agree its all wrong , then that give you the firm evidence too take it to court.

 

………….…...

 

I still don't quite full understand who took this account out and if it has anything to do with your business [es] or whatever as you mention a dissolved business bank account to do with 'whatever' with I still don't quite full understand who took this account out and if it has anything to do with your business [es] or whatever as you mention a dissolved business bank account to do with 'whatever' with orange and you..., but if you are 1000% sure its nothing at all to do with you, then p'haps the FOS might be your next move?

 

 

 


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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

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Lowell have said I can’t take it to FOS a it’s a communications debt and FOS have no authority over Lowell on this matter?

 

had a full and final response from EE( had a full and final response from EE(orange) but I’m even more confused as they now claim both are iPad data accounts.

they also claim the one account was cancelled March 2015 but Lowell claim one was cancelled may 2015.

Also both Lowell and EE(orange) neither have provided a copy of any contract of any sort or invoices/bills. Lowell have said they don’t have to supply the contract?

so now I’m stumped can I go to FOS?

 

what do I do now?

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rubbish!!

stop talking to stupid know nothings..

its a credit file issue and poss ID fraud?

yes you can.

 

dx

 


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Ok  

I’ve found 8 different issues between Lowell in two letters and these are different to the letter that I received for EE( I’ve found 8 different issues between Lowell in two letters and these are different to the letter that I received for EE(orange) this morning.

action plan

 

letter to  ICO, ofcom ombudsman and am I right in thinking the FSO lowel have put doubt in my mind with this one?

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FSO is an orchestra.!!

 

FOS

 

copy everything you have

start a complaint with the FOS 

for the simple fact there is an account with a default placed by lowell

[though id like to see PROOF of lowell saying that in writing please 1st scan the letter up to PDF please - read upload]

that is not yours, never has been, and you want it ermoved


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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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image.jpg

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read upload use PDF only


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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