Thanks, We have problems with Lowell, firstly they are now reporting missed payments on the account that wasn't there before, so have SAR the OC to see if we can get a copy of the DN. Secondly they are chasing for a minimal amount (under £50) on an 02 default, but on the credit file both 02 and Lowell are showing the default is this right or should only one be showing it? Thanks again

If you had the IMEI number you could report the phone stolen so it can't be used if you think its been switched.

Thanks DX, Have been having a good read and see what they plan to do next.

If they go further with a court case as they have sent a CCA request and DN

Been reading up with the won cases. Do I just wait and see if they go ahead now?

Here is a scan of the response to the CCA. There is a online application file, 3 pages of terms and conditions, and the default notice I mentioned in an earlier post that is 18 months earlier than reported on my credit file. Vanquis .pdf

Yes along with a statement of payments and the default notice that I already had

Had a response to the CCA agreement and they have sent the Digital Signature along with the Terms and conditions with my name etc and date all corresponding to my application.

Thanks Both of you. Bob - Lowells took over the debt from Moorcroft in 2019 who if I remember rightly were acting on their behalf. DX how is it best to play this as payments were made via step change until 2018 but the default note I had here is July 2017

I do have my credit file open in front that says 31st Oct 18 for the default. But the letter from Vanquis that arrived in recent SAR I did is dated 31st July 17. Problem is I see how I can complain about this as this would be admitting the debt, while I am waiting on my CCA request from the PAP paperwork

Thanks Stu, T&C down graded my complaint to a stage 1 because they say they hadn't replied, that was the reason I escalated it to a stage 2. Swale have now completed the work and the solar panels seems to be working but of course we won't know how well until next spring onwards. I am waiting now to see what compensation package Swale are going to offer me for all the problems of the last couple of years. Thanks again for all your help and advice and I will keep you informed.

Just a brief update. T&C Has paid me the money for the damaged shed. Here is what has happened with the solar panels. 4th October the engineers from Swale turn up to start work but can't because the Scaffolders who have been booked do not turn up. 5th October, the scaffolders turn up but don't bring enough pipes to finish. 6th October they come back with the rest of the pipes but don't bring any rope to hoist the panel up. Meanwhile Swale have opened the Solar panels to find they have been sent with no fixing brackets and there is none in the UK. They are meant to be out late next week with the right brackets, finger crossed. The T&C representative has been doing his job and keeping me informed with what is going on, and has had a meeting with the CEO of Swale because of this matter.

Still nothing from either. I have been looking through the SAR that Vanquis sent me and in it is the default notice that is dated 18 months before the Lowell have registered on my credit file, hows is this possible? Would of it been when they took the debt over? Thanks again

Nothing from lowell for my CCA request

Been speaking to a customer service manager at T&C and they have now down graded it to a Stage 1 complaint because they didn't reply to my original complaint. They have been and repaired the roof tile and will be replacing the Solar panels in a couple of weeks, as well as asking for more photos of the damage to the shed so they can settle that claim.

I hand delivered the complaint letters yesterday, so they cannot say they don't have them. Lets see what happens now.

Here is first draft of the complaint regarding the solar panels: Ref: Complaint stage 2 Dear Sir or Madame; On the July 2021 I raised a formal complaint via your online portal regarding repairs to the solar panel that have not worked properly since we took over the tenancy in xxxx. I have attached a copy of the email from yourselves that was sent as acknowledge of my complaint. After speaking to Swale heating your recommended contractor here is a brief breakdown of the faults and what has been done. xxxx reported to Swale Heating xxxx System drained following service due to faulty parts. xxxx Fix Parts. These parts failed within 30 days xxxx Swale Heating visited again and needed to order parts from Germany xxxx1 Parts finally arrived fitted and still didn’t cure problem. xxxx Swale Heating send 2 engineers out and they find Solar panels are damaged and cannot be fixed and scaffolding needed to property before any work can be done. Swale heating then sent email regarding the need of scaffolding the day or so after this. Since then, nothing has been done. As the solar panels do not work the only way, we can receive hot water is by using the expensive Immersion heater in the hot water tank. It is my understanding that Town & Country Housing are responsible for the repairs to the panels and you have clearly breached your responsibilities in this matter. As a rough estimate it cost around £1 per day to heat the water through the immersion and I will be claiming this since xxxxx The complaint was first raised on the xxxx and Town and Country have not once tried to responded and I find this not only un-professional but shows a complete disregard for your tenants.

Thank you Stu you raised some very good points.

Hi Stu007, I did look into the right to repair but this is only for repairs upto £250, and I would think these repairs are going to be a lot more than this. BF I have sent off the SAR and wanted a list of all repairs I have reported and dates if any that they have been completed.

Acknowledgment back from Overdales saying they have my response and have passed on the the OC for the required details. Nothing back from Lowell yet

Thanks for everyone's input on their web site this is what they are responsible for: Roofing: Keeping the roof water & weather tight Chimney breasts, stacks and flues Roof timbers Fascias, barge boards, soffits and associated roof joinery including replacement with PVC-u where total replacement is necessary All rainwater goods including gutters, down-pipes All canopies, storm porches and any other attached roof surface unless installed by the tenant Any other structural attachments to the roof Access to a height of three storeys Loft hatches Insulation to match existing insulation where removed to undertake works. Electrical: Storage heaters Electric heaters (only when supplied by Town & Country) Consumer units, electrical wiring and circuits, RCDs / MSBs etc. Electrical components including sockets, spurs, bayonet and batten light fittings (only when fitted by Town & Country) Trunking and conduits Light fittings (not bulbs) – Only if supplied by Town & Country Hard wired smoke detectors (but not back up batteries) Communal door entry systems These are the two that mainly effect me. We have lived here for over 6 years and they are meant to be 'green' housing. Here is a brief breakdown of the problems we have : Hole in the roof reported 15th July via Online Portal - nothing has been done. Solar Panels - reported nearly 2 years ago, engineer has drained them down as they leak and need scaffolding to repair - nothing has been done since. The only was we get hot water is via expensive immersion heater. In the back garden we have a tank that fills with rainwater that is meant to flush the toilets, this has been setup wrong and fills straight the tank from mains water, engineer turned it off 3 years ago and never came back. We are electrical only so have storage heaters, only one of these works properly and upstairs are just unless with hardly any heat coming from them. It seems they are not interested in their responsibilities

The H/A have completely ignored my complaint about this and other matters. I still have a hole in roof and not had anyone come out to even look at it What are my next options please.

The cover was for £60 and no extra insurance was taken

Hi BF, The item was a small form factor Computer, so would be on their list. By the looks of the photo it's been dropped on the edge as they are completely smashed.

Item arrived completely smashed. Date Sent - 31st August Package Amount - £75 Insurance Added - None Sent Via Packlink Pictures sent along with the claim today via UPS online portal just waiting for rejection email