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Vodafone/Lowell V Josh!

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  • #16
    Re: Josh12365 - Lowell pre-action letter

    Originally posted by Josh12365 View Post
    i would have thought vodafone would have told me. I think my very first letter from Lowell basically said, they now own the debt from Vodafone

    . . . . Just not sure wether to contact these Lowell people or wether it will make it worse.
    If Vodafone have assigned the debt to Lowell then I wouldn't expect Vodafone to be able to help you post-sale. You're going to have to deal with Lowell from now on.

    Did you give Vodafone notice in writing when you stopped using the account if it was on contract not PAYG? Sometimes mobile companies carry on charging line rental etc if you don't actually cancel the contract in writing.

    Or if you left during a minimum contract period (typically 24 months these days) then you may still owe the monthly payments until the minimum period expires even if you hand back the handset and/or walk away and never make another call.

    When did you part company with Vodafone and why?

    Di

    Comment


    • #17
      Re: Josh12365 - Lowell pre-action letter

      Originally posted by Diana M View Post
      If Vodafone have assigned the debt to Lowell then I wouldn't expect Vodafone to be able to help you post-sale. You're going to have to deal with Lowell from now on.

      Did you give Vodafone notice in writing when you stopped using the account if it was on contract not PAYG? Sometimes mobile companies carry on charging line rental etc if you don't actually cancel the contract in writing.

      Or if you left during a minimum contract period (typically 24 months these days) then you may still owe the monthly payments until the minimum period expires even if you hand back the handset and/or walk away and never make another call.

      When did you part company with Vodafone and why?

      Di
      Hi. I left before 24 months as several times it had happened there were charges on my account which didn't even relate to me, for instance, £5 data charges etc. They kept removing them for me but it kept happening to the point i got sick of it, i spoke to a "supervisor" at vodafone and told her what i was going to do as it wasn't fair me going through my bill every month and asking why there were extra charges etc thats totally wrong, there's only so many times you can accept an apology. I then informed them i didn't want to be a vodafone customer anymore so i paid the next bill and then stopped using both phones and took out a new contract with O2 and im still with them to this day, with no problems!

      Comment


      • #18
        Re: Josh12365 - Lowell pre-action letter

        Whats the best thing to do? Do i continue and not acknowledge anything from them? Or do i make contact? Im not sure how they work, i know alot of the time they just send threat letters but im not an expert so i dont know
        Last edited by Josh12365; 21st July 2016, 18:13:PM. Reason: Error

        Comment


        • #19
          Re: Josh12365 - Lowell pre-action letter

          Originally posted by Josh12365 View Post
          Whats the best thing to do? Do i continue and not acknowledge anything from them? Or do i make contact? Im not sure how they work, i know alot of the time they just send threat letters but im not an expert so i dont know
          A common conundrum & not easy to predict what will occur.
          It's unlikely that they will just go away; now that they have you in their sights they will probably continue to press for payment.
          That said, they will probably have very little in the way of hard evidence (debt purchasers buy large portfolios of non-performing debt, & usually have scant details of the history of it).
          How about you.......have you kept any documented evidence? (letters, emails etc)
          CAVEAT LECTOR

          This is only my opinion - "Opinions are made to be changed --or how is truth to be got at?" (Byron)

          You and I do not see things as they are. We see things as we are.
          Cohen, Herb


          There is danger when a man throws his tongue into high gear before he
          gets his brain a-going.
          Phelps, C. C.


          "They couldn't hit an elephant at this distance!"
          The last words of John Sedgwick

          Comment


          • #20
            Re: Josh12365 - Lowell pre-action letter

            Originally posted by charitynjw View Post
            A common conundrum & not easy to predict what will occur.
            It's unlikely that they will just go away; now that they have you in their sights they will probably continue to press for payment.
            That said, they will probably have very little in the way of hard evidence (debt purchasers buy large portfolios of non-performing debt, & usually have scant details of the history of it).
            How about you.......have you kept any documented evidence? (letters, emails etc)
            To be honest, no i havent. I literally get the letter through the mailbox, open it and then bin it. A friend of mine has just said continue to ignore all these letters until i have to act, if ever i have to act i.e if it went to a ccj. I suppose its easier said than done but i dont kno....

            Comment


            • #21
              Re: Josh12365 - Lowell pre-action letter

              Originally posted by Diana M View Post
              If Vodafone have assigned the debt to Lowell then I wouldn't expect Vodafone to be able to help you post-sale. You're going to have to deal with Lowell from now on.
              Lee can occasionally wrangle it so the 'debt' is taken/bought back ... even if he cannot do this here, he might be able to help with details/documents xx
              Debt is like any other trap, easy enough to get into, but hard enough to get out of.

              It doesn't matter where your journey begins, so long as you begin it...

              recte agens confido

              ~~~~~

              Any advice I provide is given without liability, if you are unsure please seek professional legal guidance.

              I can be emailed if you need my help loading pictures/documents to your thread. My email address is Kati@legalbeagles.info
              But please include a link to your thread so I know who you are.

              Specialist advice can be sought via our sister site JustBeagle

              Comment


              • #22
                Re: Josh12365 - Lowell pre-action letter

                Originally posted by Kati View Post
                Lee can occasionally wrangle it so the 'debt' is taken/bought back ... even if he cannot do this here, he might be able to help with details/documents xx
                Ohh brill!! I will wait for Lee then?

                Comment


                • #23
                  Re: Josh12365 - Lowell pre-action letter

                  Originally posted by Josh12365 View Post
                  To be honest, no i havent. I literally get the letter through the mailbox, open it and then bin it. A friend of mine has just said continue to ignore all these letters until i have to act, if ever i have to act i.e if it went to a ccj. I suppose its easier said than done but i dont kno....
                  if it actually got as far as a court claim you'd have a chance to pay/arrange a payment schedule (if you lost) before a CCJ was added to your credit file anyway xx
                  Debt is like any other trap, easy enough to get into, but hard enough to get out of.

                  It doesn't matter where your journey begins, so long as you begin it...

                  recte agens confido

                  ~~~~~

                  Any advice I provide is given without liability, if you are unsure please seek professional legal guidance.

                  I can be emailed if you need my help loading pictures/documents to your thread. My email address is Kati@legalbeagles.info
                  But please include a link to your thread so I know who you are.

                  Specialist advice can be sought via our sister site JustBeagle

                  Comment


                  • #24
                    Re: Josh12365 - Lowell pre-action letter

                    Originally posted by Kati View Post
                    if it actually got as far as a court claim you'd have a chance to pay/arrange a payment schedule (if you lost) before a CCJ was added to your credit file anyway xx
                    Ahhhh i didnt know that. I appreciate it, thank you! :-D x

                    Comment


                    • #25
                      Re: Josh12365 - Lowell pre-action letter

                      Originally posted by Josh12365 View Post
                      To be honest, no i havent. I literally get the letter through the mailbox, open it and then bin it. A friend of mine has just said continue to ignore all these letters until i have to act, if ever i have to act i.e if it went to a ccj. I suppose its easier said than done but i dont kno....
                      You could obtain all your personal data which Vodafone hold by sending them a SAR.
                      It'll cost you a tenner, but at least you'll get something to work with without having to contact Lowells.
                      CAVEAT LECTOR

                      This is only my opinion - "Opinions are made to be changed --or how is truth to be got at?" (Byron)

                      You and I do not see things as they are. We see things as we are.
                      Cohen, Herb


                      There is danger when a man throws his tongue into high gear before he
                      gets his brain a-going.
                      Phelps, C. C.


                      "They couldn't hit an elephant at this distance!"
                      The last words of John Sedgwick

                      Comment


                      • #26
                        Re: Josh12365 - Lowell pre-action letter

                        Originally posted by charitynjw View Post
                        You could obtain all your personal data which Vodafone hold by sending them a SAR.
                        It'll cost you a tenner, but at least you'll get something to work with without having to contact Lowells.
                        Whats an SAR? Sorry im a bit thick

                        Comment


                        • #27
                          Re: Josh12365 - Lowell pre-action letter

                          http://www.legalbeagles.info/forums/...ur-information
                          CAVEAT LECTOR

                          This is only my opinion - "Opinions are made to be changed --or how is truth to be got at?" (Byron)

                          You and I do not see things as they are. We see things as we are.
                          Cohen, Herb


                          There is danger when a man throws his tongue into high gear before he
                          gets his brain a-going.
                          Phelps, C. C.


                          "They couldn't hit an elephant at this distance!"
                          The last words of John Sedgwick

                          Comment


                          • #28
                            Re: Josh12365 - Lowell pre-action letter

                            Originally posted by Kati View Post
                            Lee can occasionally wrangle it so the 'debt' is taken/bought back
                            That would be good

                            Some (but not all) Deeds of Assignment include a "sale or return" clause (my wording) typically limited to six months after the assignment.

                            Fingers crossed for the OP.

                            Di

                            Comment


                            • #29
                              Re: Josh12365 - Lowell pre-action letter

                              Originally posted by Diana M View Post
                              That would be good

                              Some (but not all) Deeds of Assignment include a "sale or return" clause (my wording) typically limited to six months after the assignment.

                              Fingers crossed for the OP.

                              Di
                              fingers crossed here too :nod: ... hopefully he notices my tag sooner rather than later xx
                              Debt is like any other trap, easy enough to get into, but hard enough to get out of.

                              It doesn't matter where your journey begins, so long as you begin it...

                              recte agens confido

                              ~~~~~

                              Any advice I provide is given without liability, if you are unsure please seek professional legal guidance.

                              I can be emailed if you need my help loading pictures/documents to your thread. My email address is Kati@legalbeagles.info
                              But please include a link to your thread so I know who you are.

                              Specialist advice can be sought via our sister site JustBeagle

                              Comment


                              • #30
                                Re: Josh12365 - Lowell pre-action letter

                                Ive just received another letter today! Lol with yes, another deadline to "get in contact with us". This one says, "We will take Legal Action if you do not contact us to advice why the account has not been paid" "Legal Action means that a claim form will be issued by the Court demanding payment of this debt".....
                                "To avoid further recovery Action, we're prepared to write 20% off your balance - if you set up a repayment plan by 15/08/2016"
                                "This means you would pay £1505.30"

                                I just want to check...is this simply another "scare tactic", "threat"? Im a big worrier! Its definitley not a court letter, it says Lowell. Financial LTD in the top left.

                                Hope someone can help me! Thanks :-)

                                Comment

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