Lowell claimform - old O2 mobile debt *** Claim Discontinued***

[Escaped]

this is a credit ref term which means the account histroy Lowell supplied to the CRA

any idea why they would discontinue the case?

 

it is defaulted yes on the credit reports.  let me check what else the report says. brb

 

Hi, I challenged the reports.

the only one they report to is TransUnion( call credit) they did not respond, so the information was suppressed. therefore it is not showing up.

I want to be sure it doesn't come back to haunt me.

[dx100uk]

they as in lowells don't report anywhere

they simple follow whatever reporting comes attached to the debt in the line it has in their debt buying portfolio.

pers I wouldn't worry about it

 

dx

 

[Peterbard]

Is this correct?

Only I am pursuing Lowell's at the mo, for data protection violation, as advised by Experian?

They say they are the creditor via the assignment, whatever that means.

 

Am I barking up the wrong tree?

[Peterbard]

2 hours ago, Escaped said:

this is a credit ref term which means the account histroy Lowell supplied to the CRA

any idea why they would discontinue the case?

 

Yes, its the same reason most of the claims on this section are discontinued, money.

 

Whilst you can represent yourself in this, the other side have to pay for representation. As is the case over the pond,  Solicitors and Barristers do not come cheap. Your claim, in total would just about cover three quarters of an hour, of a moderately rated Barristers time.  Yes they can apply for costs, but this is small claims and cost awards are limited by statute. 

 

Of course they discontinue, that is especially so, when they find the debtor is going to fight. Even the most vexatious claim needs defending, unless the court steps in.

[dx100uk]

as compared to court claims made for debt covered by the Consumer Credit Act,

 

 - a disproportionate number of Lowell telecom claims here are discontinued.

 

if defended properly, citing unfair contract terms with regards to paying till end of term whereby the service was earlier disconnected, a win is almost now guaranteed.   In fact I don't believe there is one telecom claimform here that has been lost, other than p'haps by judge lottery.

 

don't think monetary value enters into it at all.

 

 

[dx100uk]

6 hours ago, Dodgeball said:

Is this correct?

Only I am pursuing Lowell's at the mo, for data protection violation, as advised by Experian?

They say they are the creditor via the assignment, whatever that means.

 

Am I barking up the wrong tree?

 

you yourself have already explained creditor/assignment extensively on a thread you started of the same name and your vanquis thread.

 

I always find it a complete waste of time complaining to the CRA's, always better to hit the nail itself... the OC.

but start a new thread and we'll delve as always.

 

dx

[Escaped]

Interesting comments re discontinue claim. I have another lowell telecon debt but not the claim stage.on credit report. There is not enuf info to challenge the report. I suspect its v similar to this thread. Should i write cra/lowell use disconnect charges to end of agreement to challenge?

[unclebulgaria67]

Escaped, i have moved some posts from other users, so your thread is purely about this one court claim and the debt in question.  If you have another debt, then please start a new thread in the debt section, if no claim yet issued. 

 

For those who wish to continue a general discussion on mobile contracts, DCA claims and possible unfair contract terms defences, here is a link to a new thread.

 

https://www.consumeractiongroup.co.uk/topic/419506-discussion-thread-mobile-contracts-defending-claims-unfair-terms/

[Peterbard]

2 hours ago, Escaped said:

Interesting comments re discontinue claim. I have another lowell telecon debt but not the claim stage.on credit report. There is not enuf info to challenge the report. I suspect its v similar to this thread. Should i write cra/lowell use disconnect charges to end of agreement to challenge?

 

Well I can say, you could do worse, as long as the sum owed is not too large, and you are going to stick to the story, why not.