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Lowell Powell debt collection/old shop direct defalut


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each account [reclaim] needs a separate SOC [spreadsheet] and FOS CQ.

 

http://www.financial-ombudsman.org.uk/publications/technical_notes/ppi.html

 

dx

please don't hit Quote...just type we know what we said earlier..

DCA's view debtors as suckers, marks and mugs

NO DCA has ANY legal powers whatsoever on ANY debt no matter what it's Type

and they

are NOT and can NEVER  be BAILIFFS. even if a debt has been to court..

If everyone stopped blindly paying DCA's Tomorrow, their industry would collapse overnight... 

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I only have the one with the PPI charges so have done that, have 3 accounts with unlawful charges , is there a 'standard' APR rate I can put for now as I honestly can't see it on my account. Have Marshall Ward, GUS (K&Co) and Littlewoods

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penalty charges use a sep claim from ppi though same sheet.

 

apr or int rates should be on the opening staetment of each or the agreemenst.

 

dx

please don't hit Quote...just type we know what we said earlier..

DCA's view debtors as suckers, marks and mugs

NO DCA has ANY legal powers whatsoever on ANY debt no matter what it's Type

and they

are NOT and can NEVER  be BAILIFFS. even if a debt has been to court..

If everyone stopped blindly paying DCA's Tomorrow, their industry would collapse overnight... 

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i've got the seperate sheets, all filled in to the best of my knowledge. Marshall World has interest of 32.9 % - WOW my claim back is nearly £600. The other 2 do not, but they don't charge interest monthly anyway. SO i am all ready to go I think!!

Thanks for the help

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dont forget fos cq for each ppi reclaim and a covering letter and its soc

 

and a soc and complaint letter about the penaly charges for each of those

 

dx

please don't hit Quote...just type we know what we said earlier..

DCA's view debtors as suckers, marks and mugs

NO DCA has ANY legal powers whatsoever on ANY debt no matter what it's Type

and they

are NOT and can NEVER  be BAILIFFS. even if a debt has been to court..

If everyone stopped blindly paying DCA's Tomorrow, their industry would collapse overnight... 

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as post 80

 

dx

please don't hit Quote...just type we know what we said earlier..

DCA's view debtors as suckers, marks and mugs

NO DCA has ANY legal powers whatsoever on ANY debt no matter what it's Type

and they

are NOT and can NEVER  be BAILIFFS. even if a debt has been to court..

If everyone stopped blindly paying DCA's Tomorrow, their industry would collapse overnight... 

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no ... no need

just a simple letter asking them to refund

 

all the info is in the FOS CQ so nothing else needed.

 

 

dx

please don't hit Quote...just type we know what we said earlier..

DCA's view debtors as suckers, marks and mugs

NO DCA has ANY legal powers whatsoever on ANY debt no matter what it's Type

and they

are NOT and can NEVER  be BAILIFFS. even if a debt has been to court..

If everyone stopped blindly paying DCA's Tomorrow, their industry would collapse overnight... 

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  • 2 weeks later...

A reminder with a copy of the original addressed

to the Compliance Manager.

Any Letters I Draft are N0T approved by CAG and no personal liability is accepted.

Please Consider making a donation to keep this site running!

Nemo Mortalium Omnibus Horis Sapit: Animo et Fide:

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they have 8 weeks typically though it would be nice to at least get it ack'd they have it

 

why not phone them and ask

 

dx

please don't hit Quote...just type we know what we said earlier..

DCA's view debtors as suckers, marks and mugs

NO DCA has ANY legal powers whatsoever on ANY debt no matter what it's Type

and they

are NOT and can NEVER  be BAILIFFS. even if a debt has been to court..

If everyone stopped blindly paying DCA's Tomorrow, their industry would collapse overnight... 

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prob not

 

 

where has this 2 weeks deadline come from?

 

 

dx

please don't hit Quote...just type we know what we said earlier..

DCA's view debtors as suckers, marks and mugs

NO DCA has ANY legal powers whatsoever on ANY debt no matter what it's Type

and they

are NOT and can NEVER  be BAILIFFS. even if a debt has been to court..

If everyone stopped blindly paying DCA's Tomorrow, their industry would collapse overnight... 

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i thought only the LBA was 14 days ...ok

 

anyway they have 8 weeks typically

 

dx

please don't hit Quote...just type we know what we said earlier..

DCA's view debtors as suckers, marks and mugs

NO DCA has ANY legal powers whatsoever on ANY debt no matter what it's Type

and they

are NOT and can NEVER  be BAILIFFS. even if a debt has been to court..

If everyone stopped blindly paying DCA's Tomorrow, their industry would collapse overnight... 

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and so it oes.

 

i've never seen it really, IMHO rarely do we see a reply in 14days on here

anyhow.

so i think most co's ignorei t anyway.

 

dx

please don't hit Quote...just type we know what we said earlier..

DCA's view debtors as suckers, marks and mugs

NO DCA has ANY legal powers whatsoever on ANY debt no matter what it's Type

and they

are NOT and can NEVER  be BAILIFFS. even if a debt has been to court..

If everyone stopped blindly paying DCA's Tomorrow, their industry would collapse overnight... 

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  • 1 month later...

Had another recently ...my complaint is still being investigated and they aim to provide me with a response by 16th august. I sent the complaint 30th may so do I allow them the extra couple weeks more than the 8 week timeframe ?

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  • 3 weeks later...
  • 3 weeks later...

As advised on here I put in a claim for all the £12 late payment/missed payment charges on my shop direct accounts - they are all settled accounts but left me with a default against my name ...

I finally get this response

"taking all the facts into consideration I am unable to uphol your complaint and a refund of the administration charges will not be provided. We are satisfied that the the charges applied are fair and reasonable, given then performance of the account and they have been applied correctly and in accordance with the stated terms and conditions "

 

No this has really peed me off... Is it correct ?!

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