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CREDIT DEFAULT ON MY FILE FROM ORANGE.. Lowell portfolio |
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#1 |
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Forum Member
Join Date: Jul 2014
Posts: 77
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CREDIT DEFAULT ON MY FILE FROM ORANGE.. Lowell portfolio
I sent this message via equifax....
I dispute the default on this account and ask that proof is provided of the default notice and the signed credit agreement as I have no recollection of ever signing such a document. Credit Report Ref No : XXXXXXX Company Name : Lowell Portfolio Current Balance £ : 713 House Name or Number : X Post Code : XXXXXXX THIS IS THEIR REPLY: Hi, The default refers to an orangeicon account that Lowell purchased. We are unable to remove the default. Please be aware that the agreement the customer requires is unavailable as this is not a regulated agreement under the consumer crediticon Act 1974, and therefore our client has no obligation to provide a signed agreement under the provisions of the Act. In the case of mobile contracts, inserting the SIM card and usage of the equipment is taken as acceptance of the terms and conditions of the contract. Please ask the customer to contact us directly to discuss the account further. 0844 844 4716 post@lowellgroup.co.uk Thanks Can anybody advise the next step please. Thanks guys |
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#2 |
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Join Date: Apr 2002
Posts: 455
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Quote:
I sent this message via equifax....
I dispute the default on this account and ask that proof is provided of the default notice and the signed credit agreement as I have no recollection of ever signing such a document. Credit Report Ref No : XXXXXXX Company Name : Lowell Portfolio Current Balance £ : 713 House Name or Number : X Post Code : XXXXXXX THIS IS THEIR REPLY: Hi, The default refers to an orangeicon account that Lowell purchased. We are unable to remove the default. Please be aware that the agreement the customer requires is unavailable as this is not a regulated agreement under the consumer crediticon Act 1974, and therefore our client has no obligation to provide a signed agreement under the provisions of the Act. In the case of mobile contracts, inserting the SIM card and usage of the equipment is taken as acceptance of the terms and conditions of the contract. Please ask the customer to contact us directly to discuss the account further. 0844 844 4716 post@lowellgroup.co.uk Thanks Can anybody advise the next step please. Thanks guys 1) The date the contract was taken out 2) What it was for (such as what handset or tablet) 3) By what sales method (online, instore, over the phone) 4) Crucially ask for a breakdown of what makes up that £713 (airtime charges, out of contract minutes or data) My friend earlier on year had a similar situation with Lowell/Orange. She had taken out a contract in 2011, returned it within 7 days as she didn't like the handset and orange hadn't processed the return correctly |
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#3 |
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Forum Member
Join Date: Sep 2003
Location: Sandy Heath, Beds. UK
Posts: 10,379
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This is why we should all be checking our credit history.
I recommend Noodle, which is completely free: https://www.noddle.co.uk/ |
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#4 |
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Forum Member
Join Date: Jul 2007
Posts: 3,987
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Quote:
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#5 |
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Forum Member
Join Date: Mar 2007
Location: Preston, Lancashire
Posts: 7,255
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What is the date of default on the credit file? If it's coming up to 6 years ago it's going to drop off soon anyway so probably isn't worth pursuing too much. Did you have a contract with orange? You say you don't recall signing an agreement but did you actually take out the contract with them?
The response from lowell regarding their obligations to provide a signed agreement is correct. Mobile contracts, with the exception of O2 Refresh's handset plan and similar, are not subject to the consumer credit act |
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#6 |
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Forum Member
Join Date: Nov 2005
Posts: 5,653
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Do you actually have the phone or contract?
It's prob just Lowell phishing with someone with the same name as you. |
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#7 |
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Forum Member
Join Date: Jul 2012
Location: Liverpool(L15)l, UK
Posts: 458
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Ignore Lowell, they are powerless and just another typical scammy debt collector. they will keep on sending warnings of "Further Action" which typically means sell the debt on.
they even have a history of trying to collect barred debts. |
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#8 |
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Forum Member
Join Date: Mar 2007
Location: Preston, Lancashire
Posts: 7,255
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Quote:
Ignore Lowell, they are powerless and just another typical scammy debt collector. they will keep on sending warnings of "Further Action" which typically means sell the debt on.
they even have a history of trying to collect barred debts. Absolutely nothing to do with the fact the FCA regulations say that debt collectors cannot continue to pursue debts where a debtor has told them they won't be paying because the debt is statute barred. Which reminds me I need to write a suitably toned letter back to them and refer the complaint to the FOS as over 8 weeks have passed since I first complained
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