Hi Padja, I did just that and thats exactly what it was but if I had not noticed they would have still taken the full payment and said absolutely nothing about it.

Hi everyone, My mother is severely mentally impaired and I look after her affairs. I was in hospital for a while and her gas and electricity bill was outstanding. I paid it when I got out of hospital. However I noticed on her latest bill there is a charge of £43.78 for a Collections Visit Charge on both her electricity bill and gass bill. A total of £87.44 0n top of her bill. I was pretty shocked at this I assume that someone had come to the door looking for payment. My mother cant and wouldnt open the door to anyone and the care team said that no one came when they were in so my question is what proof do I have that anyone actually came to the door? Has anyone any advice on where I should go with this, its outrageous to do this to woman in her 80's. By the way I have already told them all about the situation several times.

One of my dogs became diabetic. He needed 2 shots of insulin a day. I asked the vet if i could do the blood testing myself and he said no. I noticed thatwhen he did it that the glucometer was the same as a human one you can buy in Boots. I did a bit of research on the internet and sure enough you can do the tests yourself. The test at the vet alone was £45 then the appointment fee and this needed done weekly..GULP! I saved a fortune doing it myself, not only that you can regulate the dogs blood sugar levels more accurately with daily tests. I managed to kep his blood realyl well regulated, this would never have happened with weekly or monthly tests

My latest problem: In Novemebr 2009 I paid a deposit on getting some printing done...a small ad in a magazine for my work. I am self employed part time/carer rest of time. So money isnt plentiful. The ad was not as promised it was garbage. I refused to pay the balance until it was sorted and redone. They bombarded me with calls and threatening letters for a year but I stood my ground. They are a massive company by the way. I just noticed tonight that over the past 2 months (which is over a year later) they have been taking money off my card in small and various amounts using their parent companys details. I was shocked because basically they took it without my permission. I called the bank, its one of those accounts with a prepaid mastecad attached that you can transfer money onto as needed. Can anything be done about this? Thanks

Your pup is gorgeous by the way.

I totally agree with this statement, I have 3 dogs all pedigrees , rescue mind you but I love them all. I would NEVER have returned the pup if I was that lady.! I read through all the comments today and you did everything right, bending over backwards to be helpful. Good for you I am glad it went this way!

I have a contract with O2 and if the monthly bill is getting high it texts me this message and I will print it word for word: "We have noticed that your phone usage is unusually high. We might have to restrict your service. To avoid this call the customer service number on your bill" Surely 02 as a responsible company that realises that peoples phones get stolen have in place systems to recognize the sudden massive usage and auto restrict it. Banks do it, credit card companies block cards with unusual transactions. This is ridiculous!

Thanks seq, i am really mad about their lying and saying that I had put money into the account when I had shut the account years previously. I was also really angry that they were sending me threatening letters of a doorstep visit with a fake PO box number and Motherwell Postcode on the back to make me think that someone was local and just round the corner about to appear at my door at any moment. I know it was fake because ii put the postcode in the sat nave and took a drive out and it was an old run down industrial yard. Its a complete disgrace that these people do this they are disgusting and I really dont want to let this go just with a letter saying that they had closed the account when there was none to close! Ive never checked my credit record but will do so and see if they have put anything on it.

Darn, i can's seem to get this right,. I will just type what it says. Dear Mr xxxxxxxxxx Our Ref: xxxxxxxxxx RE: Lowell Portfolio1 Ltd We apoligise for the delay in responding to the query you raised with us. We have been making every effort to contact the original client to resolve this matter on your behalf. After reveiwing the account and in light of the timescales it has taken to achieve a satisfactory response, we are prepared to take a commercial view in relation to this matter and as a gesture of goodwill and strictly without admission of liability are prepared to close the account. We will ensure your credit file will be ammended to reflect this outcome, if indeed this is applicable to you. We trust you will find this satisfactory and that this matter is now closed. Yourse sincerely xxxxxxxxx xxxxxxxxx Customer Services Anyone any idea what this means? Does it mean that they did contact the RBOS or did the RBOS not get back to them? I'm still kindda mad about this especially as they harrassed me for a year about it and lied through their back teeth by writing to me saying that it wasn't statute barred as I had made a payment into the account on 10thJ anuary 2005 which was a pack of lies as I had closed the account over 5 years before. I was gonna write to them and make a formal complaint about this and demand an apology and if I didn't get it take it to trading standards. Is it worthwhile or a waste of time. Can I do anything about them if they leave negative ratings on my credit file??????????????? The main thing is I wanted to thank you very very much for all your help, the suggestions you made really worked. It was well worth the long wait and fighting it something I might not have done on my own!

Hi everyone, its taken a while but I got a result with this case. As I mentioned a few months ago I sent the template statute barred letter. They wrote a couple of times and I completely ignored their trash. Finally I got this letter through trying to scan it but not haveing great success. Hope it comes out ok.

Hi Ida, many thanks Im getting so tired of all of this and as usual your advice is spot on. In the letter they said that the "Limitation Act 1980 section 5 is not applicable in your case" Correct me if I am wrong but doesnt the Limitation act 1980 only apply to England?

Hi Yanni, Thank you for your explanation I agree that RBS havent a clue what they are doing. This whole issue was caused by their incompetence in dealing with investigating the theft from my account. I have a question, I was told in a letter from Lowells filth that they had bought the debt so it belongs to them now. Should I send them the SAR as I know for a fact that they will have no proof of this claim that they make about me making a payment in January 2005?

Lowell Financial for outright lying and dishonesty.

This is unbelievable! I finally got a response to the 3rd letter I sent! They claim they received it on the 18th March. They say that they will contact the RBS for information to support their claim. I will scan it later but Lowells then say that it is not statute barred as I made a payment to the account on the 10th January 2005 which is a COMPLETE pack of lies! I have made no payments whatsoever as it wasnt my money stolen from the account. I had not uded the account in over 10 years! In addition they are so stupid as not to realise that if this was the case the 10th January 2005 is still 5 years before they claim they received my letter and withing the statute barred time period in Scotland. Are these people allowed to lie like this? Any advice as to how I should proceed.

This made my day!