lowells

[Bazooka Boo]

Mobile phone contracts are service contracts and not credit agreements, so a CCA request is pointless,

all Lowlifes will do is pocket the pound and claim that you made this payment toward this alleged debt,

therefore resetting the SB clock....nothing to worry about easily set right.

 

The letter you should have sent, if at all is the No debt acknowledged one.

However, if you rang them and didn't withhold your number they will now harass you day and night for their ill gotten gains.

 

NEVER EVER ring a debt collector, they have absolutely NO legal rights whatsoever, all they rely on is the debtors lack of knowledge and harassment and intimidation tactics.

 

If they have never written to you, nor the moby phone companies then let sleeping dogs lie.

You need to attack those companies first and ignore everyone else, unless of course you receive court documents.

 

The OC's will say settled, as they have palmed their bad debts off to these parasites, moby phone debts are notorious for having charges added which can be reclaimed.

 

A SAR (£10) to the moby phone Coy in question will show if there are any fees/charges you can reclaim.

[Bazooka Boo]

I have a copy of the letter which clearly states I sent the £1 for a copy of the CCA so If they do reset the SB clock suppose I have grounds for a dispute

Yes you will!

 

I also have a ccj with marlins due to a bank account getting overdrawn by £90 and IIt has risen to over 1500!

REALLY!! That is very interesting, can you start a new thread on that and others will be able to advise accordingly and give them a bloody nose!

 

Is there anything I can do to get these wiped or is it just a cas e of waiting...

Unfortunately wiping debts is a misnomer, arguing their legality is much more straight forward....marlins are pests at the best of times, and they need to be put back in their little box.

[Bazooka Boo]

You can add a notice of correction on your credit files telling them that the default dates are incorrect, you can also make a formal complaint to the credit ref agency informing them that they are processing incorrect data, and they need to correct it or face possible legal action against themselves and the company they allowed to place said incorrect data, for defamation of character. BUT only threaten them with this if you are willing to take legal action against them.

 

Lowlifes have one of my moby debts, for a tiny amount, they like to email and sent one letter, I've just ignored them and don't ever intend to communicate with them unless I get bored and want to bait them.

[Bazooka Boo]

Correct mobile phone are service agreements and not credit agreements.

Notice of assignments are what they have sent you, not deeds of assignment.

How much is the moby debt?

[Bazooka Boo]

Just to clarify, are they ALL Mobile phone debts? Or is it just the £900+ one?

[Bazooka Boo]

OK then, well the way to attack this would be IMO to send the phone company a SAR for the phone accounts, if they are all with the same company then this will only cost you a tenner, but, I would probably hit the £900+ one first, and see if there are any fees or charges on it, whcih can be reclaimed to bring the account back below the BR £750 threshold.

[Bazooka Boo]

Sorry, the BR= Bankruptcy. The threshold or figure by which they can make you BR is £750, however it will cost them more than that to file for your BR.

 

If you can get the figure down underneath that amount then not only can they not threaten you with BR, but they couldn't force it on you either.

[Bazooka Boo]

I'm going to send the sar to the 900 pound one.what is the br 750 threshold if you don't mind.me asking

 

Are the other two accounts with separate phone companies?

Ensure you send the £10 postal order and SAR via recorded delivery, and they have 40 calender days in which to send you everything they have regarding the account, send it to the moby phone coy, NOT lowlifes, all they need know is that you have submitted a SAR and will only correspond with them after you have reclaimed all of the fees charges and interest on the account.

[Bazooka Boo]

Can't see those letters, you need to change them to PDF's

[Bazooka Boo]

I wouldn't send those letters at all, either use FOTL or use CAG advice.

Please remember that you should remove all identifiers off anything you scan and post up, trolls trawl this site, and they will now know your plan of attack,

IMO that little lot means nothing, anyone can fabricate some numbers and dates on a spreadsheet and try and pass it off as an invoice.

 

As this is above the bankruptcy threshold of £750, then lowlifes being lowlifes, will no doubt become litigious and rumble on about BR.

How much of that figure is made up of charges?

 

You might be better sending a SAR off to the phone company to look at what is physically owed and what are charges.

[Bazooka Boo]

Good so you have your SAR, have they loaded it with anything like the remainder of your contract?

Can you just give a bit more background as to how the amount got this high?

 

Who is named against the default on your credit file?

It is likely that O2 flogged it to wetcloths, who int turn flogged it onto lowlifes, a classic case of a bad debt doing the rounds in order to keep their heads above water.

 

Check your credit file first, then I would be thinking of sending them (lowlifes) something along the lines of a prove it letter to start with.

[Bazooka Boo]

Im amazed people think that FOTL crap actually works. its good to see the OP is staying well away from it now.

 

I use FOTL in my daily life, it works for me, just like God/Jesus works for others.

It is ignorant to poke fun and try and ridicule others who have a different belief and understanding of the world opposed to your own,

FOTL does work, but you have to know how to use it correctly, just as consumer law works, you just have to know what letter to send

to whom and when, or what particular legislation you need to quote, to whom and when.

 

Years ago, the banks, industries and corporations were wetting themselves, knowing full well how they were ripping us all off, conning us on a daily basis, robbing and bleeding us dry every single day, merely because they believed we were stupid and uneducated, look how far CAG has come, FOTL is well ahead, but you all think we're nuts?

[Bazooka Boo]

BB i meant in regard to debts etc. It DOESNT work, and the only time it appears to is if the DCA's simply cannot be arsed chasing you. So they sell it on, and the FOTL people claim a victory.

 

FOTL arguments might work in other areas of life, but not in consumer debts.

 

Yes fully agree, FOTL is definitely not to be used when arguing debts...