Crespo, How long after you got the dongle did you try to give it back? Do you have proof that you were told that there was nothing you could do because it was a 24 month contract? And how long ago was this?

Thank you. Much appreciated

Hey Mr. Z Thanks for the reply. I was talking about charging £25 for a letter as well as other similar charges. The usual list that they give their victims.

Housing benefit is available to the self employed. I claimed it quite legitimately for a while, but now I've managed to discontinue my claim. In my experience, you would have to produce a profit and loss forecast if you have no income record, and your claim would be adjusted later to reflect the true figures. There are some significant benefits to being self employed, so it is actually a good way to go forward if you have the work. I for one would never work for anybody else again through choice.

Lowells have been bought up! http://www.credittoday.co.uk/news/news-item.cfm?news=2314

I feel that what they're doing is against the OFT guidelines, which says that it is unfair for more than one DCA to chase a debt at the same time. If they would argue that this is not more than one DCA, then they are misrepresenting their company. I do feel that there are grounds for a complaint here. Mine went from Lowells, to Red, and then back to Lowells when I ignored them. If we really are supposed to believe that these are different companies, where is the appropriate paper work such as assignment notices?

Does anyone know whether the administration charges that Welcome Finance charge are fair and lawful.............or not?

Lol. I thought that they'd already instructed Hampton's Legal. Hmmmm I wonder who's turn it'll be tomorrow to write to you. I've sent my letter anyway. I'll see what nonsense comes back. I might start charging an administration fee for sending letters, as this is a genuine complaint that they're refusing to deal with.

Thought you folks might like to see the automated way Roxburghe and Graham White fill out their templated letters and the manner in which Roxburghe do their cold calling.[

Dear Sir/Madam Thank you for the 'Credit Agreement' that you sent me from Vanquis with regard to the above account. Whilst S78 of the Consumer Credit Act does indeed allow reconstructed agreements, and that there is no requirement for a signature on the reconstruction, it's purpose is not to validate a debt. It is for information purposes only. The 'reconstruction' that you have supplied me is flawed in many respects. Firstly, this is not so much a reconstruction, but a fabrication. Cary v HSBC states that lenders can reconstruct the information from any source, but it must be accurate and honest. In this case there are a number of inaccuracies in the 'spreadsheet' that you have obtained from Vanquis. These are details that I would not have filled in incorrectly. Secondly, although there is no need for a signature on document such as this, there is a need to prove that I would have accepted the terms and conditions that you have supplied. This document provides no such proof. Indeed, I could find enough information on the internet about any one to construct such a document if I were of a mind to. Thirdly, there is no information on the state of the account, such as statements etc. Because of the points raised above this account is now in dispute. I am granting to you a further 21 days to produce a copy of an executable agreement. After that I will consider that the above account is closed and that you will no longer pursue the alleged debt. I would also reiterate that I will only deal with this matter in writing. Furthermore, should it be your intention to arrange a “doorstep call”, please be advised that under OFT rules, you can only visit me at my home if you make an appointment and I have no wish to make such an appointment with you. There is only an implied license under English Common Law for people to be able to visit me on my property without express permission; the postman and people asking for directions etc (Armstrong v Sheppard & Short Ltd [1959] 2 QB 384. per Lord Evershed M.R.). Therefore take note that I revoke license under Common Law for you, or your representatives to visit me at my property and, if you do so, you will be liable to damages for a tort of trespass and action will be taken, including but not limited to, police attendance.

Well. The account is now in dispute, and a full and final offer has been made for the amount of the original credit limit. I said that they could accept this, or the account would remain in dispute while I reclaimed the charges. I also pointed out how Capital One take their time and sometimes wait until it goes to court.

Yeah I was thinking that I might let them stew for a little bit, and see what happens. Have you told them that the debt is settled? Surely they can't chase a debt that they have indicated is settled.

Wow Cool! I haven't heard anything form them in ages

If it were me, I would send a disputed debt letter until they could supply an enforceable CCA. I believe that they don't actually need a signature on the CCA to comply with S78, but the information that they send has to be honest and accurate. If you're sure that this isn't your signature, you should report them to everyone.

Wow. Someone obviously made a deliberate decision to address the envelope to this chap. And then Moorcroft have the bare faced front to say that they haven't broken any data protection regs? Their incompetence is astounding. Simply unbelievable!

Aargh There seems to be some suspicion that DIL may be a debt collector, it does happen on here and the guys on here are good at spotting them. The advice that you're getting is good advice. The site team really do know their stuff, and I speak from experience. JJ

Hi, Have a look at this http://www.consumeractiongroup.co.uk/forum/showthread.php?305200-CCA-Request-Robson-Way-Natwest

Well I for one am willing to give it a go with regard to disputing the enforceability of this so called Agreement. There are details that are simply incorrect, and I wouldn't have given the information that they are trying to say that I did. There wouldn't be any reason for me to do this. So, in my opinion, the information that Lowells have given is not accurate, and I would say, certainly not honest. Letter to follow! Thanks guys

Thank you Shadow, that is very helpful information. I am going to incorporate some of this into my letter and post it on here.

Well I got a letter from Red Debt Collection just threatening more doom and gloom. But I have been as busy as anything lately. I will get a letter together in the next couple of days just saying that this "agreement" doesn't prove that I agreed to anything, and that I'm putting the debt into dispute. Then it's up to them to prove it. I'll post the template as soon as. I'm also going to complain to the OFT because so far, I've had Lowell Portfolio1, Lowell Financial, and Red Debt Collection all after money at the same time.

Hi I'm no expert in this matter, but just reading it through, it says "This notice can only expire after the first year of tenancy". This would suggest to me that the two months notice should end twelve months and one day after you moved in. I might be wrong, but thats what I would take it to mean.

I had awful trouble with Orange, they really aren't interested in helping you when things go wrong. I changed to Virgin on sim only for my iPhone 4. I got 800 minutes, 1Gb of internet use, and 3000 texts for £20 per month. The customer service is second to none, and the network coverage os superb. Rest assured though, you're not alone with your experiences with Orange. In my opinion they are the worse mobile phone provider in the UK today.

BB. I got a letter from Iqor this morning saying that they have been trying to contact me to let me know that they are suspending all collection activity on the account until such time a LloydsTSB supply a CCA. Strange as the phone monkey was mumbling about a substantial discount This is actually quite encouraging as Westcott gave up after a CCA request and sent it back to Lloyds before I could put it into dispute. But you're right about taking control, and I love the Laughing Policeman thing. That's a classic.

Well, they rang again last night at 7:25 pm and I did what you said Boo. "Everything in writing only", and the idiot on the other end mumbled something about me not wanting to negotiate a discount and hung up

I have friends in the Police Ford, I think something could be arranged, even if it just lets them know that they can't do this.