Thank you both for your replies. In reply to Dx100uk: how old is this debt? 2010 is this on your credit file? Yes how much of the debt is £12 ENALTY fees from littlewoods None though on the letter of claim there is an estimate interest charge of £43 and have your their PPI too? No have you ever sent lowells a CCA Request - No So would my first steps be to cca Lowells and write to bcleagal and say that I am disputing this?

Hi I need someone with the expertise for help. I had an account with Littlewoods everything was fine but due to my partner and myself in and out of work I found it difficult to keep up with the repayments. Littlewoods then passed it onto Lowells and being new to all this I agreed to make payments to Lowells but I cannot and did not keep up with their demands. Today I have received a LETTER OF CLAIM from bwlegal demanding I pay £180.00 by 15.1.15, if I don't then they intend to issue a claim against me in the County Court. I have every intention of paying this debt but cannot afford what they are demanding. Can someone please help me and advise my next step- I am at my wits end.

Thank you rebel11 Yes that also confused me as I thought what co-op state is in contradiction to FOS. Do I go back to co-op and if so how or do I now proceed to the next level?

Thanks for your reply dx100uk The following is part of what I put in my request for repayment, I did not actually state BCOBS but that I believed the charges to be unlawful: Under the Unfair Terms in Consumer Contracts Regulations 1999charges must reflect administration costs and cannot be punitive. I believethat the charges shown on the attached sheet are unlawful as they do notreflect the true cost of going into an unauthorised overdraft. I was also in receipt of housingbenefit up to November 2013 therefore, I believe that not one chargeshould have been administered.

Hi A few years ago I was in receipt of benefits and co-op bank applied charges to my account and causing me even more hardship. I believe that this was unlawful, I sent them a letter enclosing a breakdown of charges totalling £800+ requesting that they paid me these charges back. I have toady received a reply refusing to reimburse me and the following is their reason: We are satisfied that our charges are lawful and fair and directly reflect the costs we incur. Please be assured that we regularly review these, as do the Financial Conduct Authority. Whilst we have debited charges from your account, we have neither an assignment of nor a charge on your benefit payments themselves. If an item is returned unpaid or the balance is taken informally overdrawn, charges are applied as stated in the T&C of your account. Such charges are applicable regardless of the source of credits to your account. Please be aware that the FOS have reviewed complaints of this nature and advised we are not obliged to refund charges even in instances where a customer is experiencing financial hardship. This is providing that the charges were applied in line with the T&C of the account. Having reviewed your account history and T&C, I can confirm that the charges applied to your account were applied correctly. As such these will not be refunded to you and do still stand. Would appreciate any advice on what my next step would be:-)

Thanks renegadeimp, will get one off to them

Hi Thanks for your replies however, it may not be that easy to ignore as they have my phone number and have already started ringing me, though I have not taken their calls.

All went quiet on the crap quest front until today when I received the following: As legal owner of this account we are able to obtain regular update from reference bureaux regarding your current financial position. We use this to evaluate what steps should be taken to get your account onto a paying status and assist you in repairing your credit file. These updates include the following information about you; 1. Bank account balances 2. Credit and store card account balances and available credit 3. Details of unsecured personal loans and other credit agreements. 4. Mortgage and secure loan details. We will use financial updates from the bureaux in conjunction with other factors in determining our recovery strategy, which may include legal action. Then they go on about contacting them by 5.12.13 to agree an acceptable arrangement. Well this is a new tactic to me, first thing I knew that they are the legal owners, they have been rining me but I haven't spoke to them. Do I need to send them a prove it letter and I will only speak via letter o do I need another approach? Would appreciate any advice.

Thank you all for your replies. Now we are getting technical - too much for me! I do know that when the turbo was being fitted all pipes etc where replaced by genuine Renault parts the turbo however new was not a genuine Renault part. md

Thanks you for your replies. The part was new and came with a 12 month guarantee, it was only 4 months old when it failed. The sellers are not even prepared to refund or replace the turbo which I thought was against sale of goods act. The cost of £900 is to replace the part and fitting. The garage have given him a written report on damage. md

Hi I am trying to help my friends' son out here so would appreciate any adfvice guidance. In Dec 12 he purchase off a shop on ebay a turbo which came with a 12 month guarantee. Once the part arrived he arranged for a respectable local garage to fit the new part and at the same time using genuine Renault parts as needed. Four months later the car was back in the garage turbo totally gone and to put the car back on the road it is going to cost £900. He went back to who sold him the turbo but they just use excuses to say it is not the turbo that is the problem. He tried to say it must be the garage at fault as they could not of used the correct parts, but I as the garage only used genuine parts.The garage that fitted it have given him a written report on what caused the damage . Would my next step be to send the company who sold him the turbo an LBA for the repair costs? The lad is in the army and travelling back up north via train is costing him a fortune.All he wants is his car back on the road how can I help him achieve this? md

Thanks for your reply - yes I know I informed them but they state that they were not informed and as I just messaged them on their website I did not have a copy as proof I have nothig to loose now but go through the ombudsman and hope they show some good will md

Just to update, we went back to the owners of the caravan and no surprise they denied doing the damage. So I thought ok claim via my insurance. Only now they are trying to get out of it by stating I did not inform them that I had moved it to storage, which I know I went on the insurers web site and filled in the message. They say they never received anything from me and wont be taking my claim further, so again its my word against theirs. At the same time when I moved the caravan my other half had been diagnosed with cancer and was going through chemo, now when I think about it I never received anything back ie new cover note or refund as the site has a gold award and should even been cheaper, never gave it a thought as you can imagine I had other things on my mind This seems totally unfair that I put my caravan into storage and now have to pay for the repair. Would it be worth my time to take this to the ombudsman? md

Thanks both for your advice, I have been down today and taken photos as suggested and now I await for the loss adjuster to make contact before I embark on the next step. md

I packed my caravan away for winter on a registered caravan storage site. Yesterday I went to the site and pulled the cover off only to find a 9 inch dent and scratch on the side. It is clear that the owners to the caravan next to me had done the damage, there is even a scratch to the bumper which is the same height etc to the damaged to my caravan. The owner of the site spoke to the owners of the caravan and surprise surprise they denied ever damaging my van ,but they noticed that my cover had a rip to it. They must of noticed that when they where looking at the damage they had done!! I like them have insurance but why should I suffer when it is clear that they have done the damage but it comes down to there word against mine. Sorry to whinge on but I am so annoyed is there anything I can do so I dont become the injured party here?

thanks renegadeimp for your reply, any advice on how I would find this out? md

I haven't heard anything more from westcot, though O2 have now passed this onto another collection agency. Crap quest sent a letter to my parents address, they sent it back to sender as no longer at this address.

Hi dx I know, I shouldn't but I let these low lifes get to me and panic - anyway I have sent wespots a letter informing them that they can only come to my house with an appointment and that i have no intention of giving them one, so take a hike! md

I am in full agreement with you cerberusalert I argued this point, below is a paragraph from their findings " I note that you advise that O2 is not sending anything to your new address, but that Wescot is. I consider this is because O2 has sold the debt to Wescot, in light of your failure to make payment. You have supplied no evidence that the company has been sending correspondence to the incorrect address." How can you provide evidence that has gone to the wrong address - muppetts I have been in my new address for over 18months and that was when I first let o2 know. Any putting this aside and moving on I now have to deal with Westpots and becuase I rang them today can that be counted as acceptance of the debt? md

Thanks dx The ombudsman however stated that I was liable for this payment and as I have now been threathened with a doorstep collection i dont feel i can ignore them how much i would want to. Oh and another point the ombudsman stated that o2 should send me an apology as they failed with their customer service that they haven't done . md

Hi All Well what a waste of space the ombudsan is, they ruled in favour of o2 stating that I gave no proof of not receiving e-mails and letters. They were not bothered that o2 gave no evidence that they sent correspondence then I really did not expect more as ombudsman! I did not except their ruling. Today I received a letter from Wescpots demanding payment and stating that if I did not pay then I could expect a doorstep collection. Yes I know I shouldn't of done but I rang them to ask for a proof of earnings form so I could set up a standing order, to which that said they could not accept standing order (bulls***). They would if I was prepared to pay in full today they would give me a £100 discount, other than that they wanted 3 payments of £132.00. which I cannot afford. Can anyone guide me

Hi dx Whilst I appreciate what you are saying Wescot/Nelson Pest Solicitors are stating they are acting on behalf of O2. md

Hi dx Thanks, however they give me 10 days and if I ignore then further recovery activity will be undrtaken. I thought if I sent them the above I could send both onto the ombudsman . md

I have recevied a letter today from Nelson Quest in that Westpots Have instructed them to collect the outstanding balance. This is an ongoing complaint with the ombudsman therefore surely are Westpts not in breach? If I am right then I have drafted the following I would be grateful if someone could read through and advise me if this is the right thing to do and say: I must admit that I am rather bemused as to why this account has been passed to yourselves, as it is in dispute with Telefonica/Wescot and since 25th May 2012 a official complaint has been logged with the Financial Ombudsman which to date has not been resolved. I consider your actions to be a breach of OFT collection guidelines As you are aware while my Consumer Credit Act request remains in default enforcement action is NOT permitted, under s127 this constitutes a complete defence at law. Consequentially any legal action you pursue will be averred as both UNLAWFUL and VEXATIOUS. Now I would respectfully suggest that this account is returned to Telefonica/Wescot for resolution of these defaults and breaches, as Telefonica/Wescot cannot lawfully pursue any enforcement activities. If Wescot chooses to ignore my dispute and attempt enforcement, I will initiate legal action and file reports with the appropriate authorities, including, but not limited to, Trading Standards, Office of Fair Trading, Information Commissioners Office, Financial Ombudsman Service and possible court action. After taking advice, I am of the opinion that any continued pursuit is in violation of the Administration of Justice Act 1970 section 40 as well as breaching a number of the OFT Collection Guidelines I hope that this will not be necessary and an acceptable solution can be accomplish Many thanks md:???:

Thanks bazooka I have started to complete the form online. Any advice on the reply to post 15 that I recevied from westcloths?