lowell PAP letter of claim - old Studio CAT debt - balance all charges

[dx100uk]

yes all looks ok yes change it from PPI

 

you need to put a description for what the £807 is on the statint sheet.

[Maudymumfuzz]

Ok thank you - what do you think would be the best description for both really? what are the chances they will even entertain this claim? they just seem like such cowboys im not feeling very hopeful

 

x

[dx100uk]

penalty fees

[Maudymumfuzz]

thank you dx... appreciated as always - maudy

[dx100uk]

sum of penalty fees from previous sheet

not sure where the rest of my msg went.

 

 

http://www.consumeractiongroup.co.uk/forum/showthread.php?405889-LEGAL-Reclaiming-Credit-Card-Charges-Preliminary-Letter-Before-Action

[Maudymumfuzz]

Hi dx.. i have finalised the two spreadsheets if you could cast an eye for me and confirm if they look ok now i'd be so grateful Im still trying to locate the penalty letter in the library :0

 

 

Thank you

Stat Int Sheet v101 - Final Copy.pdf

CISheet v101 Final Copy.pdf

[dx100uk]

I would remove the under FOS rules

 

see post link too

[Maudymumfuzz]

thank you dx - AGAIN!

must have been a glitch with your message not appearing

- i think i am causing more issues for the site with all my Q's!! lol .

 

 

i send the two spreadsheets plus the letter you suggest in post 30?

is there anything i need to add/include in the letter or send as is?

(once i have edited accordingly of course) as we can see that they definitely owe us more than we owe them

- do i still need to make payments until the issues are resolved?

and if they dont resolve whats my next option?

Im not anticipating an easy happy ending here

 

Huge thanks as always

 

Maudy x

[dx100uk]

add In that as its apparent this total exceeds the outstanding balance

you will be ceasing payment.

 

can we confirm the debts are defaulted on his credit file already?

[Maudymumfuzz]

I will check - will that make a difference if it is or it isn't? I checked ClearScore and couldn't see anything but maybe don't know what I'm looking for.. will check again tonight

 

Thank you

[dx100uk]

if its defaulted already or is not now showing as was defaulted more than 6yrs ago

it cant hurt his file further

[Maudymumfuzz]

Clearscore says - no accounts in default.

only negative is the high mail order utilisation whatever that means lol

hoping to get all this posted to them today.

 

Thank you again dx

 

I have just finished editing the letter (reclaim)

 

 

the only thing i could do with help on is the charges wording i.e.

 

 

'I calculate that you have taken £xxx in charges plus £xxx which you have charged me in interest on those charges, making a total of £xxxx.'.

 

 

Do i add the total of charges and interest together or add in two separate sentences?

 

First spreadsheet shows charges of £400 plus compound interest of £832.38

Second spreadsheet shows charges of £1156.38 plus Simple interest of £3599.06

 

Promise this *might* be my last Q....

[dx100uk]

the three figures in the award calculation box of the statint sheet.....pretty obv really...

[Maudymumfuzz]

dx - this is me you are talking to here lol (brain is mashed!) - i understand (i think lol) so am i correct in thinking i only need to send the one spreadsheet? I assumed i needed to send them both in to show how i got to the figure but im guessing from your reply above i only need to send the Statint one...is that right??

[dx100uk]

no you send both

[Maudymumfuzz]

Hi dx,

Firstly apologies for being such a pain in the rear, I

finally 'got' it and have now got 2 spreadsheets together with the reclaim letter, all ready to go.

 

 

Is there anything else i should include do you suggest?

If they point blank refuse to pay whats the next step?

Its a long time since i did anything with charges reclaim and i just cant remember the process

 

HUGE thanks again - for your neverending patience and support. I am so very grateful

 

Maudy x

[dx100uk]

court would be the only route.

[Maudymumfuzz]

in that case i will send an SAR too then just so i have all the info when it comes to it..

 

it was 2007 i last did a claim for penalty charges and that was bank charges so was quite straight forward.

 

I dont hear anything about them these days so i cant see them giving in easily.

[Bazooka Boo]

I don't hear anything about them these days so I cant see them giving in easily.

 

You may be pleasantly surprised!

[Maudymumfuzz]

You may be pleasantly surprised!

 

Hi

I really hope so..

. I've come home from hospital today to find a letter from Lowell group stating that one of the mail order accounts (not studio - Jd Williams) has been sold to them.

 

We have paid religiously as we have with studio and all interest was frozen,

but then without warning or reasoning it's been sold on.

 

I have an account myself with them and thats ok as far as I know but I can't work it out.

Feeling so stressed and not really sure what to do.

Do you have any ideas?

 

Maudy x

[dx100uk]

its a poxy cat debt

with a poxy DCA

what is there to be worried about

lowest of the low debt

with the lowest of them all DCA's

they ARE NOT BAILIFFS

 

 

dx

[Maudymumfuzz]

They've started calling.

 

My son answered the telephone and he's frightened to death now :-/

 

I'm so annoyed as we've had no issues whatsoever and can't understand why it's been sold on!

 

I'll send a harassment by telephone letter on Monday.

 

I just wondered if there's anything else I could do now it's owned by them...

 

I suspect they want to make contact and find out when we will pay etc

but I hate speaking to them Thanks dx... poxy is a mighty fine description

Maudy

[dx100uk]

a dca is NOT A BAILIFF

they have no legal powers whatsoever.

 

typically when they start the text/phone/doorstepper threats

it means they know intimidation is the only weapon they have left

as they know it a lemon debt.

 

you are under NO LEGAL OBLIGATION

to discuss with a DCA debt

at your door or on the phone.

 

they really don't have any powers.

 

 

don't send any silly letters

just block them...

[Maudymumfuzz]

I don't know if we can on the landline,

I can on mobile no problem

 

but I just don't want them hassling the phone as my hubby works nights and obvs needs to sleep

 

I know they have no powers etc it's just frustrating I guess.

 

Should we just continue to make payments as we have done then?

But to them instead of the catalogue.,,

[Bazooka Boo]

Use your network providers 'Malicious calls' procedure, also make a formal complaint to Ofcom for the misuse of their telecoms network, log all the calls.