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Juno50

Lowell pre-legal letter and Disputed o2 debt

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Regarding the bank issue, would you suggest phoning, writing or physically going into the bank to sort out the DD complaint ? 

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25 minutes ago, Juno50 said:

Regarding the bank issue, would you suggest phoning, writing or physically going into the bank to sort out the DD complaint ? 

 

Is the account still open or closed at this time? 

Yes in writing is best to do it - I would consider the sudden jump in DD an abuse and the Bank should have queried this with you.


**Fko-Filee**

Receptaculum Ignis

 

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My account is still open and is my current account with Lloyds bank.

At the time I was so unsure of what to do.

I hope this can get resolved.

Wish I knew of this site before. 

 

Off subject a little, where can I post issues related to work contract and overtime disputes? 

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We could do with some help from you.

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Hello everyone!

 

Great news I got my money from Lloyds.

Was actually really easy to do!

So thanks everyone for the help. 

 

The next thing to do is to write to Lowell's.

Now quick question, do I include my new address or simply ask for it ? 

 

Also why haven't they just done a backdoor ccj already? Why now? 

 

Anyone got a template I could use to write out and post?

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No template.

 

Just respond saying, please note my correct residential address for all future communications.  Also that Lowells will need to contact 02 about the account, as there has been a recent change, which will need to be taken into account. That a formal complaint has been registered with 02.

 

Suggest that you contact 02 in writing to register a formal complaint about their handling of the account and the unauthorised debit to your Bank account, which your Bank have recently reversed. 


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

 

If you want advice on your thread please PM me a link to your thread

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after your advice I have written in explaining my issue with Lowell.

 

They have now sent a letter of claim.

 

Should I tick box c?

 

Any other advise ?

 

I don't want to pay this debt. 

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no

 

follow post 4 here

 

 


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.

 

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Thanks for that, one question though. What would these be? 

Recommended reason as advised from your thread 

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What would the recommended reasons be ? 

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i am resident abroad you cant issue a court claim.

 

??

 

dx

 


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

spreadsheets 

 

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No I still live in the uk

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then use what is already there.

 

dx

 

 


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

spreadsheets 

 

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scratching my head a bit, sorry could you give me a couple pointers 

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I dispute this debt because..recommended reason as advised from your thread and add the debt purchaser has yet to provide any or all of the required documentation.

 

 

 


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

spreadsheets 

 

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Will this work?

 

I disupte this debt because,


Firstly i only ever used my phone via wifi, there was never a notification regarding usage and data.
The rules regarding roaming usage has changed,  the default was illegal and was disputed.
This matter is between O2 and myself.  
The debt purchaser has yet to provide any or all of the required documentation.

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or do i keep it short and sweet

 

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Last line 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

spreadsheets 

 

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Ok so I sent my letter on the 20 of this month, with a proof of postage from the po. What's the next step now? Sit and wait for a response ? 

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Yours is not the next move

get reading up here too...


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

spreadsheets 

 

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Meaning? As in it's there move now ? What do I need to read. As I assume this won't be the last I hear from them 

Edited by Juno50

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use our search top right 

Lowell letter of claim

or just letter of claim.

 

 


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

spreadsheets 

 

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It's coming up with 2000+ topics not sure which one it is

 

Any links? 

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it wont be just one link or thread

you need to read several to get yourself acquainted with how these work.

 

you could ofcourse re read your own thread...

and the link in post 30 that you have ofcouse already fully read before you sent our reply form..

 

 

 


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

spreadsheets 

 

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