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    • hi all.   In April 2019 I posted about owing 2.3k to PayPal, who sold my debt to Wescot.   Since then there has been a long war of words, mostly thin assertions that 'PayPal has advised us that...', and signatures from staff at PayPal that are supposed to prove that I owe the debt.   I've recently moved house, and am considering my options with the case going forward; I had initially intended to cut them off after the last year with no definitive proof, saying in my last letter that I trusted the matter was closed, providing no forward address.    However, after doing some more research recently I'm slightly concerned about what might happen if I dont keep them at arms distance with letter disputes, and that they may sue me and add the court bills through a CCJ (County Court judgement.) What is the liklihood of this or them finding my new address?    I'm also slightly concerned how my letting agency may react if against odds Wescot send bailiffs to my previous address, as this was with the same letting agency I use with my current house, and also where they will likely continue to send letters.   Advice?   Thanks. -b
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Juno50

Lowell Claimform - Disputed o2 debt ***Claim Discontinued***

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so you must have missed an email from the mediation service advising you to contact them?

doesn't matter as if Lowell have not replied to your CRP, you don't have anything to mediate over anyway.

 

next will be the N157 (Notice of Allocation) from your local court .

 

but as with all these lowell mobile phone debt court claims for monies not owed as you cant be charged for something the OC had disconnected anyway..

lowells will probably discontinue.


please don't hit Quote...just type we know what we said earlier..

 

if everyone stopped blindly paying DCA's tomorrow

the biggest financial industry in the UK, DCA;s would collapse overnight.

 

 

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Ye they never sent anything.

I did say not to make contact as i am just finishing up lambing. 

Plus the mediator sounded like a real cow. 

 

It sounded like she worked for lowells, they way she carried on. 

Any way moving forward, ill wait for my n157 and see what happens. 

Either way, whatever happens they not getting a cent off me.

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Received a notice of transfer of proceedings. I assume this is normal. 

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yes get reading the many lowell mobile claimform threads here already.

 

dx

 


please don't hit Quote...just type we know what we said earlier..

 

if everyone stopped blindly paying DCA's tomorrow

the biggest financial industry in the UK, DCA;s would collapse overnight.

 

 

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Hello chaps!

 

For everyone involved I just want to say a massive thank you!

We won boys we won. 

They discontinued the case completely!

 

So chuffed!

I'll be giving a donation next month!

Thank you all again.

 

I wanted to ask, now that the case is discontinued can I ask 02 to remove the default or will this not happen ?

 

I really want to buy a house and it's reflecting badly on my credit score!

 

Thanks again guys. I'll upload a picture of their letter soon as I have time! 🤝🤝🤝🤝👏👏👏👏👍👍👍

 

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Well done as expected..

Like all the other lowell mobile claimform threads here

 

No you cant demand default removal, but it cant be far short of 6yrs birthday removal now? You never did tell us....


please don't hit Quote...just type we know what we said earlier..

 

if everyone stopped blindly paying DCA's tomorrow

the biggest financial industry in the UK, DCA;s would collapse overnight.

 

 

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Good news Juno...topic title amended.

 

Andy


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 thread please PM me a link to your thread

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Thanks to you guys! The default was noted on the 26th of July 2016, so still still 2 years to go. On my Experian it says that default notice/company is Lowell's. So surely if they have given up then i can get the default removed? Nothing on there says anything about 02.? 

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the default would have been registered by o2 on or before sale of the debt to lowells

when a DCA buys a debt their name replaces that of the original company on credt files.

so thats why it shows as lowells.

 

just because a claimant drops a court case, that doesnt mean the debt was not reported correctly during its history.

 

dx

 

 

 


please don't hit Quote...just type we know what we said earlier..

 

if everyone stopped blindly paying DCA's tomorrow

the biggest financial industry in the UK, DCA;s would collapse overnight.

 

 

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Ok I see, so unfortunately i will have a default on my name for the another 2 years. It's totally unfair, cause now I can't buy a house for the next 2 years!!!! 

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doubt if one telecom default would hurt anything even with prime lenders..


please don't hit Quote...just type we know what we said earlier..

 

if everyone stopped blindly paying DCA's tomorrow

the biggest financial industry in the UK, DCA;s would collapse overnight.

 

 

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Unfortunately it has. Can't even get a credit card or even an increase in my  overdraft. It has been an issue, even when I had my meeting with the bank about getting a mortgage it came up straight away. It's a complete stuff up.  Hence why I was hoping I could get it removed. I'll have read through that article above. 

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a single default for a mobile contract should not cause you any issues.

as long as thats the only thing bad with your file..........


please don't hit Quote...just type we know what we said earlier..

 

if everyone stopped blindly paying DCA's tomorrow

the biggest financial industry in the UK, DCA;s would collapse overnight.

 

 

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yip its the only thing on my credit report.  i have equifax plus experian.  Nothing on them except the 02.  

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so your score should be almost perfect then, must be something else wrong if its not, otherwise your lenders just don't like you.

 

there are 1000's of people getting prime lender mortgages with a single default. go elsewhere then.


please don't hit Quote...just type we know what we said earlier..

 

if everyone stopped blindly paying DCA's tomorrow

the biggest financial industry in the UK, DCA;s would collapse overnight.

 

 

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