reallyrathercross
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Everything posted by reallyrathercross
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Well, I've had a letter from Lowells today saying they will no longer be pursuing this debt and will remove all markers from my CRA file. I'll give it a few weeks cos I know Noddle only update monthly, and see if Lowlifes stick to their word.
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I've not had anything back from the OC in response to my statement of account request. I'll chase that up. Thanks.
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I don't have the old default notice any more, but they've had 6 letters telling them the account is statute barred and they need to remove all the markers they've put on. I've had the same letter 3 times from them saying they're 'investigating' and nothing else.
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I know what month/year it was but in any case, I'm not certain of what my next step should be? All suggestions gratefully received!
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I don't have a copy of the old default notice
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Well despite telling me all activity has been put on hold, they've continued to place default markers on my credit file. I'm fed up with this now, is it time to send a letter before action and take them to court? They've had enough opportunity to resolve this and if the ICO/FOS aren't that great, is legal action at this stage the way to go?
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Thanks 2Grumpy It's been about that already since I first wrote to them and I have proof of posting for all the letters I've sent. I'll give the legal and compliance manager one last opportunity to sort it out ( I've sent her a letter this week) and then I will be going to fos, ico etc
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Sounds good, then I'll have more evidence to show ico that I've tried three times but they're refusing to sort it. I'll give that a go & update this in the new year. Thanks Ford.
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Clearly Lowells & Crapquest know that, which is why they're playing silly billies. I've heard the ICO are worse than useless, which I why I was asking. What are you thinking of doing next? A change of tactic might be needed here, but what that should be, I have no idea.
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The thing that's thrown me is the ICO ask you if the company have given you a final response, and as the answer is no, their website says I have to go back to Lowells. Going round in circles! Grrrr. So do you reckon the ICO will take it on board despite Lowells being evasive and refusing to deal with it?
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So I wrote to the data controller, giving them 28 days to remove the defaults. They responded by sending another letter the same as the one before. I'm getting really rather cross with them now. What should my next move be, please?
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Update: a quick call to the council, the debt was recalled there and then and it's paid
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Nothing makes this council look at what they're doing, they're probably the worst local authority I've ever dealt with, and I've dealt with a few!
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thanks bank fodder, they weren't aware of her illness so I think that would be their getout. Any way, I just tried ringing the council but they won't talk to me unless she gives permission. I'm all for DPA but I'm actually not sure if it applies to 17 year olds???
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thank you
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So we can get the council to take the debt back and them pay it off? Not paying jacobs if I can help it!
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That's what I hoping to do, but do we speak to the council or jacobs? Obviously I don't trust jacobs! Thanks mate, you're so helpful I've given you reputation & have to share more love around before I can give you more haha
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Hey lovely Caggers Just after some advice on how to help my daughter, if you don't mind. She was in a private rented flat but cut the tenancy short, we agreed with her landlord (I was the lead tenant although I didn't live there because she's under 18) Housing benefit was paid up until the date her tenancy officially ended, a month after she'd physically moved out. She stayed with her ex's family until ending up in a hostel with her young baby when her ex headbutted her. Nice eh? there was some overlap between the housing benefit on her flat and the housing benefit she got while in the hostel. She accepts she should have told the original council that she'd moved but at the time assumed her landlord would do it. there's been an overpayment & we're happy to pay it for her. My issue is the council have already passed it to debt collectors (the overpayment was only in July) She's now in a house of her own with her little one and is doing a fab job a as a mummy, but... Question is, seeing that she's only 17, living on her own with a baby and being treated for anxiety and depression, do you think the council would take the debt back from Jacobs and allow us to pay it in full for her direct to the council? I don't trust jacobs not to have whacked charges on top but the last thing she needs is the threat of 'bailiffs' knocking on her door, as they've called themselves. There's no court order that we know of. She lives 4 hours away so it's not like I can just go with her to the council to sort it. I wish she lived nearer but it's her choice and she wants to stay where she is TIA!
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Ok, so I have received a reply today from the customer services manager, apparently. My scanner's upstairs and I'm too lazy to go up there so I'll type it instead: Dear reallyrathercross, Thank you for your recent letters. We understand from your recent correspondence that you believe you are not our customer. In order to resolve this matter, we are currently undergoing an investigation into the account. We have stopped any collections activity on the account until an outcome is reached and during this time you will receive no correspondence from our collections team. We apologise for any inconvenience that may have been caused by our letters and will be in touch with you again in due course. Your sincerely, Mr Lowlife. What an absolute load of twaddle! I sent the statute barred template with an added paragraph demanding they remove the defaults they've placed on my credit file. This letter smacks of delay tactics to me, hoping I'll breathe a sigh of relief forget about it. Oh no, not I. I will obviously be replying to this latest waste of paper, but if any of you have any advice as to what I should say, I'd appreciate it. How long do I have to try and get this resolved with these lowlifes before being able to complain to the ICO, FCA etc? TIA
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It may worth checking your credit file to see if they've put defaults on from when they bought the debt. Wholly wrong, but they don't care about that!
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How, I mean HOW are these creatures allowed to practise???? the two registered letters are still somewhere in the system, but the ones to the MD have been signed for. I hope that helps others who have the misfortune to deal with them.
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Has anyone ever had an issue with Lowells refusing to accept signed for & guaranteed next day letters? Wrote to the address on their letter, not the PO Box one, 1 st class signed for on monday. Not delivered. I re-sent them addressed to the managing director at a slightly different address but still in leeds by guaranteed next day. Not delivered. Royal Mail say there's no delays in the area but the tracking status would only change when they're delivered. It makes me highly suspicious.
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Well, that's the CCA request and statement of account letters typed and printed for Lloyds relating to PPI, they'll be going off in the morning. As for those Lowell creatures, I'll wait and see if they comply with my letter re SB (great templates on here, top job!) and removal of the nonsense they've put on my credit file. I was really upset, but not any more. The fight is ON! Thanks again guys.
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Ooh, the lying little tinkers!!!! Lloyds, despite knowing where I lived, didn't contact me after the default notice, but they've clearly sold it on around the time the SB date came up. That's very naughty and they've picked on someone who won't let them get away with it!
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Thanks Dx, I was typing my last reply as you posted it. Thanks for all your help today guys, I'll let you know what happens. Signed for post, printed signature and the "This is not an acknowledgement" at the top of every letter?
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