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TalkTalk / Lowell Letters

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  • #31
    You can't just "get" a CCJ, it has to go through soucrt first and you have to have a chance to defend it.

    You will only end up with a CCJ marked against you IF it goes to Court and IF you lose and IF you don't pay the judgement within a month. Lots of IFs.

    Comment


    • #32
      They are still saying it's a mobile phone account ( and you have never had a mobile with talk talk just the tv, broadband, home phone )

      in the SAR you got back from talktalk it links things to a different address - was that address prior or following the original address on the account ? How do the dates add up against where you lived ? ( it's not unheard of for you to move and the new tenants to set the account back up in your name ) anything on your credit file at all ?

      now is really the time to get all your complaints and facts together so you know whether you are fully defending this or trying to negotiate a settlement before it gets to court.
      “We may not win by protesting, but if we don’t protest we will lose. If we stand up to them, there is always a chance we will win.” Hetty Bower

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

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      Find Solicitors offering fixed fees on our sister site - JustBeagle.com

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      • #33
        Ahh yes ( just read the thread back )

        I live in the Yarmouth area, so my number did begin with 01493 but was not the number stated (it was 01493 XXXXXX). Have lived in the property for over 4 years now, so the 2015 date with a Wymondham number is very odd.
        and you have told them this previously. The sar stuff you got from talk talk does that have the same numbers and dates as those original letters from Lowell ?
        “We may not win by protesting, but if we don’t protest we will lose. If we stand up to them, there is always a chance we will win.” Hetty Bower

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

        If we have helped you we'd appreciate it if you can leave a review on our Trust Pilot page

        Find Solicitors offering fixed fees on our sister site - JustBeagle.com

        Comment


        • #34
          Good morning and thank you for the responses.

          Ostell, I appreciate you cannot just 'get' a CCJ, I was simply expressing my concern about end scenario's. Your comment has helped to settle my nerves in respect of this though, so thank you.

          Amethyst, Lowell to date have provided very limited information all related to account number 1008056891, which does correlate to the TalkTalk information following the SAR, but also phone number 01953 885320, however this was not my number. Also, the responses revolve around a telecoms contract, specifically mobile phones and that "inserting the SIM card and usage of the equipment is taken as acceptance of the terms and conditions of contract", but I never had a mobile phone from TalkTalk.

          I am not concerned about the previous address and fraudulent activity as this was my ex-fiance's father's house, and he switched to Sky when we moved the TalkTalk contract.

          The SAR and my credit report both show this account as being £0.00 against TalkTalk, and no presence of anything from Lowell - not sure if this means anything?

          I have not SAR'd Lowell yet as a previous comment advised waiting until I receive a pre-action letter, however upon receiving this pre-legal assessment, which I have read is another scare tactic used by Lowell, I wanted to check I should not be doing this now? Any thoughts on that?

          They had offered a 50% settlement recently which I didn't see until much later than received due to travelling for work - this indicates to me that they do not want to keep pursuing this, however they rejected my original offers to settle outright - perhaps this would give another chance to do that?

          Ultimately I do not want to go to court really, however I am happy to stand my ground to not be bullied into paying an extortionate amount to TalkTalk, directly or not (I understand in they are no longer involved and have sold the debt so recovered something already). The ombudsmen, etc did nothing to help and the likes of TalkTalk and Lowell appear to get away with these activities regularly unpunished, and I did not want to be another notch on their bedpost, as it were.

          Aside from this, I would pay a small settlement just to end it, but my main issue with this would be ensuring they do not leave a mark on my credit report as "partially settled" or "unsettled", which it would appear Lowell have been known to do.

          I do have my letters, etc compiled already, and the fact that some of my arguments were the verbal agreements / communication which TalkTalk conveniently lost all recordings of, I think this bodes in my favour.

          This has been dragging out since November 2015 so I would just like to see an end in the not too distant future, to be honest.

          Comment


          • #35
            I will also add that I have not received a copy of the T&C's applicable at the time of my contract/service agreement(s) within the SAR pack from TalkTalk, or following requests to this affect form TalkTalk or Lowell. This is something I will press Lowell for following receipt of a pre-action letter, along with the SAR.

            Comment


            • #36
              Good afternoon,

              I wanted to provide a quick update. After not hearing anything in writing for some time, a lot of attempts to call me however, I yesterday received a "Notice of Acting" letter along with a letter from Lowell Financial saying as I've failed to pay they've assigned the account to Lowell Solicitors.

              The letter basically says "you must call us to pay now" but doesn't provide much information. It does state that if you do have a reason to not pay then also to contact them, but I would have expected them to review the letters exchanged between myself and Lowell Financial prior to taking any action?

              Am I correct in thinking this is a letter before they will issue a pre-action letter? And would this be the best time to SAR Lowell - and would I now just SAR Lowell Solicitors or Lowell Financial, or both?

              Any input would be most appreciated.

              Thanks again!

              Comment


              • #37
                Good morning,

                I was also wondering when the SAR page on this site was last updated: https://legalbeagles.info/library/gu...ccess-request/

                This states that "A copy of your personal data should be provided free", however previously when I SAR'd TalkTalk I provided a cheque for £10 to cover admin as advised on their website - a) were they allowed to do this, and b) do I need to do the same for Lowell?

                Comment


                • #38
                  NO Cost as from 25 May 2018 =============== FREE & only 30 days to respond or state a good reason for delay

                  Comment


                  • #39
                    For some examples of SAR requests under GDPR, have a look at the link below - there's a short and long version depending on your needs

                    http://legalbeagles.info/forums/foru...t-of-templates
                    Click here to check out my list of templates

                    DISCLAIMER: ANYTHING I POST ON THIS FORUM SHOULD NOT BE CONSTRUED AS GIVING LEGAL ADVICE. I DO NOT ASSUME RESPONSIBILITY NOR DO I ACCEPT ANY LIABILITY AND THE USE OF MY CONTENT FOR YOUR OWN PURPOSE IS SOLELY AT YOUR OWN RISK. YOU SHOULD ALWAYS SEEK INDEPENDENT LEGAL ADVICE BY GOING TO THE LAW SOCIETY'S FIND A SOLICITOR OR CONTACT YOUR LOCAL CITIZEN'S ADVICE BUREAU.

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                    • #40
                      Thanks for the input guys.

                      Should I send this now or wait for the pre-action? And just send it to the solicitors who are now handling it?

                      Comment

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