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Mass complaint ;Add your name here if a dca has acted incorrectly with your account.

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No wonder you're grumpy, Grumpy :D

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Lowells, buying a debt from Barclays who had not complied with a CCA and defaulting me on it within a day of purchase, even before sending me a letter!

Barclays had tried to use Moorcroft to collect on it, who did comply with the CCA saying there was no signed credit agreement so they would return it to Barclays.

Lowells are trying all their normal threatograms and phone calls so now I ignore the letters and use good old anglo-saxon on the phone.

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Yes The Dca's Have Searched My File For Debts That They Have No Cca Or Any Signatures For So I Am Taking Them To County Court, Will Let Yo Know Progress Asap

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Count me in, please. Lowell Financial/Portfolio, having bought the debt (or so they claimed) from Capital One. Should have been statute barred; served a Statutory Demand claiming to be a Government Department (if it is a Government Dept I understand there is no defence) and the vast majority of the so-called debt was made up of unlawful charges.

 

I did eventually get the court to set aside the Statutory Demand, but it was a protracted and very stressful process and the Judge didn't want to know about Lowell claiming to be a Government Department. I asked Lowell time and again for an explanation, eg was it just an "oversight" but no reply.

 

Capital One tried all sorts of delays and excuses to avoid coming up with an original agreement (there wasnt one anyway) and statements.

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Barclaycard. Ignored CCA request twice, finally sent a photocopy of some old T&C's saying this is all you're entitled to and then passed my debt to RMA while it was legally in dispute.

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Statutory Demand claiming to be a Government Department (if it is a Government Dept I understand there is no defence)

As far as I'm aware the only Government department who isn't covered by the normal law is the Taxman. Any other department has to abide by normal rules, ie, stature of limitations etc.

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As far as I'm aware the only Government department who isn't covered by the normal law is the Taxman.

 

I would say also the Financial Ombudsman Service, who can pick and choose which law they want to take account of and who seem to have more power than the highest courts, in that decisions cannot be appealed against or changed, even if wrong. There is no recourse for the consumer should they want to favour the bank, dca etc, as i have proof they do. Because of their so called 'independence', govt ministers will not look into matters.

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Rosandale; from Milton Keynes Council. Rude, harassing, threatening, scams No ID was presented. They hang up phone during conversation. Had to contact with my council to get help. Still end up paying £93 to them for a £420 council tax. Two visits and on second visit levy charge for my car parked outside... never singed anything. Is it right? Can they do that? I think I been overcharged. I will claim it. Also received there final reminder seven days after issuing date. Lucky paid three days before the letter arrived.

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t

And they are good with the fairy tales.

Lowell Group - Better Practices

 

They are the worst ever - hounded myself with telephone calls for months over a ccj they claimed to have brought. First contact was 18 months after this had been removed from my credit file nearly 8 years after registration.

 

Spoken to like crap - threatened with all sorts of action, but in between had lovely letters with greatly reduced offers to settle. Finaly wrote to them saying do not owe you anything - if you think i do prove it, confirm to me in writing, do not telephone again - I have reported you to Leeds Trading Standards. Please note that if you continue to harrass me further i will not hesitate to inform my solicitor. Ootcome was NOTHING AT ALL... HEARD NOTHING BACK FROM THEN, ALMOST TEN MONTHS.

Edited by jonni2bad
Links

SAM:pLOWELL DETESTER.

 

SO PROUD OF MY AVATAR,THAT TOOK ME WEEKS TO WORK OUT HOW TO GET ONE.:lol:

 

PLZ CLICK MY SCALES IF YOU LIKE WHAT I SAY.

OR IF I HAVE HELPED IN ANY WAY.:smile:

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Where do I start! LOL

 

Mercers (Barclaycard) for threatening letters and invalid default notices.

BOS (Sainsburys) for continually threatening court action when no valid CCA.

Cabot (Goldfish) for admitting Goldfish have said there is no copy agreement, but registering a default at the CRA's anyway.

And last, but by no means least......1ST CRETINS...For issuing a Stat Demand when there is no CCA, also also for registering a default with the CRA's, however I would like to thank them for their cheque which the nice judge ordered they send me for my costs in contesting the SD. :D

 

No doubt 2009 will bring more of the same from these leeches, but we all know how to deal with them now....don't we!

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Capquest; contantly sending out forged documents from the Natwest & then telling me that it is ok to use for a Deed of Assignemtn when it is not signed by a real person (electronic JPEG signature) or dated and generally being the most rubbish people in the world ever.

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A couple of years after being made redundant and sinking into unmanageable debt I left the UK and now live abroad. A while later the DCAs started to harrass my sister. They even harrass her neighbours to find out if they have seen me at my sister's house. They have made the neighbours fully aware of who they are and why they are there. This has resulted in a breakdown of my relationship with my sister. I can only feel grateful that they did not get hold of my mother's address. I do not know which specific DCAs are involved because they do not leave their business cards...

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Triton Credit Services:

Continuing to ask me to phone them despite requesting that all correspondence is in writing only

Saying that they will take action 7 days after date of letter - giving me 3 days to get a letter to them - just pressure to phone

Not providing their complaints procedure when I made a formal complaint to them

 

 

Same here.

 

They're still phoning my parents house despite asking for everything in writing only aswell.

Still no credit agreement from them, just what looks like an application form and current terms and conditions.

And a threatening letter from Green & Co solicitors who are acting on behalf of Triton supposedly

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link finance for a debt that had been settled

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DCMS.....For phoning my work about debts

 

LINK .......Phoning my work up, phoning my neighbours, phoning outside OFT guidelines re timings. Being threatening, demanding etc.

 

Not responding to CCA

 

Not responding to SAR

 

Not responding to Court orders

 

Issuing secondary DN

 

Processing information that they have no right to process. Misrepresnetation to outright lies.

 

ETC ETC ETC

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Mercers - chasing debt still in dispute from Barclaycard (no CCA), still telephoning well after telephone harassment letter sent, texting daily

 

RMA - sent doorstop postcards saying someone would be calling on Thursday (Christmas Day! i don;t think so!!) for two accounts from AMex, both without CCA's previously advised no CCA and previoulsy sent no harassment letters

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Mercers - chasing debt still in dispute from Barclaycard (no CCA), still telephoning well after telephone harassment letter sent, texting daily

 

RMA - sent doorstop postcards saying someone would be calling on Thursday (Christmas Day! i don;t think so!!) for two accounts from AMex, both without CCA's previously advised no CCA and previoulsy sent no harassment letters

 

Take em to Court, I went through this with me dad, they just carry on ignoring you, took bcard to court, they failed to defend, got a ccj, they appealed and sent intimidating letters, i stuck to it, next thing was a cheque appeared on dad's doormat and they withdrew their appeal.

 

DO IT AND STICK TO IT, they have never attempted to collect after then,

 

 

been there, seen it, DONE IT :D


If my advice has been helpful please feel free to click on my scales :grin:

 

Creditors and DCAs - Letter Templates & Budget Planner (CCA request letter N)and other templates)

 

Debt Collection Agencies & Statutory Demands, a few strategies

 

Abbey charges, Won

B-card non-disclosure of S.A.R, WON £30 costs awarded

B-Card, court for harrasement, failed to defend WON £175 http://www.consumeractiongroup.co.uk/forum/general-debt-issues/125554-28-days-later-no.html#post1422508

B-Card charges, partial refund, still fighting

Vanquis-Cabot, GIVEN UP :lol:

HFC & my mum, no brainer, no CCA http://www.consumeractiongroup.co.uk/forum/general-debt-issues/133330-hfc-my-mum.html#post1404514

 

PLEASE donate to CAG however small. They are fighting for YOUR rights as a consumer. http://www.consumeractiongroup.co.uk/forum/

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DCMS.....For phoning my work about debts

 

LINK .......Phoning my work up, phoning my neighbours, phoning outside OFT guidelines re timings. Being threatening, demanding etc.

 

Not responding to CCA

 

Not responding to Subject Access Request

 

Not responding to Court orders

 

Issuing secondary DN

 

Processing information that they have no right to process. Misrepresnetation to outright lies.

 

ETC ETC ETC

 

tell em to naff off of you take legal action under s13 of the data protection act (you legally entitled to damages and compensation for processing your information without the legal right to do so)


If my advice has been helpful please feel free to click on my scales :grin:

 

Creditors and DCAs - Letter Templates & Budget Planner (CCA request letter N)and other templates)

 

Debt Collection Agencies & Statutory Demands, a few strategies

 

Abbey charges, Won

B-card non-disclosure of S.A.R, WON £30 costs awarded

B-Card, court for harrasement, failed to defend WON £175 http://www.consumeractiongroup.co.uk/forum/general-debt-issues/125554-28-days-later-no.html#post1422508

B-Card charges, partial refund, still fighting

Vanquis-Cabot, GIVEN UP :lol:

HFC & my mum, no brainer, no CCA http://www.consumeractiongroup.co.uk/forum/general-debt-issues/133330-hfc-my-mum.html#post1404514

 

PLEASE donate to CAG however small. They are fighting for YOUR rights as a consumer. http://www.consumeractiongroup.co.uk/forum/

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Take em to Court, I went through this with me dad, they just carry on ignoring you, took bcard to court, they failed to defend, got a ccj, they appealed and sent intimidating letters, i stuck to it, next thing was a cheque appeared on dad's doormat and they withdrew their appeal.

 

DO IT AND STICK TO IT, they have never attempted to collect after then,

 

 

been there, seen it, DONE IT :D

 

How did you take them to court? Presumably you stated a sum of money required etc.


PhiltheBear

 

Lloyds TSB - At the Sign of Flogging a Dead Horse

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kept warning them to cease all collection activities by recorded delivery (bcard and mercers) to took em to court for harassment and non-disclosure of the credit agreement,

 

http://www.consumeractiongroup.co.uk/forum/general-debt-issues/125554-28-days-later-no.html#post1422508 lot of chat init but read it thought and info there that will help you

  • Haha 1

If my advice has been helpful please feel free to click on my scales :grin:

 

Creditors and DCAs - Letter Templates & Budget Planner (CCA request letter N)and other templates)

 

Debt Collection Agencies & Statutory Demands, a few strategies

 

Abbey charges, Won

B-card non-disclosure of S.A.R, WON £30 costs awarded

B-Card, court for harrasement, failed to defend WON £175 http://www.consumeractiongroup.co.uk/forum/general-debt-issues/125554-28-days-later-no.html#post1422508

B-Card charges, partial refund, still fighting

Vanquis-Cabot, GIVEN UP :lol:

HFC & my mum, no brainer, no CCA http://www.consumeractiongroup.co.uk/forum/general-debt-issues/133330-hfc-my-mum.html#post1404514

 

PLEASE donate to CAG however small. They are fighting for YOUR rights as a consumer. http://www.consumeractiongroup.co.uk/forum/

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I have had MacKenzie hall on my back for some time. I hit them with a Statute Barred letter and they eventually seemed to have got fed up .No chance , Their puppets Meritforce took over . I have heard nothing from Meritforce for about 7 months and assumed they had got the message.Then out of the blue a DCA called RUTHBRIDGE sent a letter with my name on it to a relative with the same surname chasing up the old Statute Barred Debt .It looks as if MH have sold/passed this on to Ruthbridge ( I don't think they can do this with a barred debt ) what I can't understand is MacKenzie Hall have my address and phone number (STUPID ME) and it seems they have not passed them on.

Oh well here we go again.

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NDR/Littlewoods for saying they will put me on the "gone Away Register (G.A.I.N) if i fail to give them my phone number and come to a payment arrangement even though the account is in dispute.

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If that is written in a letter I suggest you pass it on to trading standards, OFT and FSA

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