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Hi everyone, I would greatly appreciate if anyone can give me some guidance on dealing with these scoundrels.
So back in 2008 I was a customer at the co-operatvive bank. I used a current account with them with ZERO credit facilities, overdrafts and so on. I was working as a data processor at the time and was paid by cheque by my employer. I deposited my first months pay and everything was all good and dandy, until I believe 3 weeks later the bank said the cheque had bounced from my employer and the money I had withdrawn to pay my rent, bills ect ect had to be paid back. naturally I was like what the hell is going on . I disputed the fact that it was my fault and the bank and I went back and forth in disagreement. The amount they claimed I now owed was around £2300 ( as far as i recall) . I do not recall ever receiving any official claim from them as all my communication was over the phone. This is 2008 so my memory is a bit sketchy , I am though 100% certain that I never received a default notice from them or any indication that they where passing this debt they claimed i owned onto another company. This debt was in dispute .
Roll on 2012
I've opened my own business in the educational sector ( working with colleges,universities training providers) , helping people from all walks of life gain qualifications that ultimately raises them out of poverty through improved job opportunities. Things are going great im thinking about expanding the business so i start looking at loans and financial packages online, but before i do I go ahead and check my credit file. Lowell have only gone and slapped a default on my credit file for £2900 , there also seems to be another one from lowell from a prior Natwest bank account ( for unfair bank charges i disputed... not for any credit services )....HOW DARE THEY ..... seriously
What i have done since discovering these entries
Right im not having any of this. So after discovering these damaging entries I immediately contact lowell ( by phone) to question it (bad idea because that's when all the threatening letters start pouring in) . They claim that the debt was sold to them and I owe it and that's that, pay or get a ccj. ( if i knew then what i knew now , i would have handled it very differently) .
The big mistake i made
I relented to the constant calls, texts and threatening letters and stupidly agreed to make monthly payments ( I was under a lot of stress , the business was growing, my teenage son was misbehaving and going down the wrong path, I was doing a degree ) It was totally under duress . They preyed on my ignorance of the law... god i hate them.
Skip to 2014
My saving grace. I found legal beagles. To cut a long story short, I cancelled the direct debit after reading through a few threads here. I sent £1 and a request under the CCA ( this failed as it was a bank account and not a credit service) .
They then sent me back my request but also added there responce and also a fake notice of assignment ( clearly a reprint , not a copy)
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And heres the "COPY" of notice of assignment ( the idiots didn't even change the date , its dated the same date as the accompanying letter, this is not a copy of the original, because i never received one)
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So i sent a SAR and got back a envelope full of nonsense, nothing of relevance, no default notice , no notice of assignment, no copies of correspondence they claim to have sent previously. Just internal entries from their system. I put in an official complaint and received this
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A whole 2 months later and they sent this
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[/IMG]
The date in which they claimed they sent the NOA for the active account (co-opperative has now changed from the 14 January 2013 to the 15th January 2013)
I am totally disgusted with these people and as such I have lodged a complaint with the FOS
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I would really like some help in terms of how to build a case against these people. Because of the default on my credit file I have been unable to
1. Get a business loan to expand my business and pay my business liabilities
2. Rent a property
3. Get any credit services that require monthly payments
I will now have to close my business, I have run out of savings and can no longer maintain the cash flow required to service my clients. I am unable to get a loan to cover my business liabilities. To make matters worse, Equifax and Experian have confirmed that it was 100% Lowell who added the default on my credit file ( not the co-opperative bank). These cowboys have defamed my name , cut of my credit lifeline and destroyed my business.
I need help guys , sorry for going on and on , but I have tried to add as much information as possible. Any assistance in how to proceed with court action would be helpful.
So back in 2008 I was a customer at the co-operatvive bank. I used a current account with them with ZERO credit facilities, overdrafts and so on. I was working as a data processor at the time and was paid by cheque by my employer. I deposited my first months pay and everything was all good and dandy, until I believe 3 weeks later the bank said the cheque had bounced from my employer and the money I had withdrawn to pay my rent, bills ect ect had to be paid back. naturally I was like what the hell is going on . I disputed the fact that it was my fault and the bank and I went back and forth in disagreement. The amount they claimed I now owed was around £2300 ( as far as i recall) . I do not recall ever receiving any official claim from them as all my communication was over the phone. This is 2008 so my memory is a bit sketchy , I am though 100% certain that I never received a default notice from them or any indication that they where passing this debt they claimed i owned onto another company. This debt was in dispute .
Roll on 2012
I've opened my own business in the educational sector ( working with colleges,universities training providers) , helping people from all walks of life gain qualifications that ultimately raises them out of poverty through improved job opportunities. Things are going great im thinking about expanding the business so i start looking at loans and financial packages online, but before i do I go ahead and check my credit file. Lowell have only gone and slapped a default on my credit file for £2900 , there also seems to be another one from lowell from a prior Natwest bank account ( for unfair bank charges i disputed... not for any credit services )....HOW DARE THEY ..... seriously
What i have done since discovering these entries
Right im not having any of this. So after discovering these damaging entries I immediately contact lowell ( by phone) to question it (bad idea because that's when all the threatening letters start pouring in) . They claim that the debt was sold to them and I owe it and that's that, pay or get a ccj. ( if i knew then what i knew now , i would have handled it very differently) .
The big mistake i made
I relented to the constant calls, texts and threatening letters and stupidly agreed to make monthly payments ( I was under a lot of stress , the business was growing, my teenage son was misbehaving and going down the wrong path, I was doing a degree ) It was totally under duress . They preyed on my ignorance of the law... god i hate them.
Skip to 2014
My saving grace. I found legal beagles. To cut a long story short, I cancelled the direct debit after reading through a few threads here. I sent £1 and a request under the CCA ( this failed as it was a bank account and not a credit service) .
They then sent me back my request but also added there responce and also a fake notice of assignment ( clearly a reprint , not a copy)
[IMG]
[/IMG][IMG]
[/IMG]And heres the "COPY" of notice of assignment ( the idiots didn't even change the date , its dated the same date as the accompanying letter, this is not a copy of the original, because i never received one)
[IMG]
[/IMG]So i sent a SAR and got back a envelope full of nonsense, nothing of relevance, no default notice , no notice of assignment, no copies of correspondence they claim to have sent previously. Just internal entries from their system. I put in an official complaint and received this
[IMG]
[/IMG]A whole 2 months later and they sent this
[IMG]
[/IMG]The date in which they claimed they sent the NOA for the active account (co-opperative has now changed from the 14 January 2013 to the 15th January 2013)
I am totally disgusted with these people and as such I have lodged a complaint with the FOS
[IMG]
[/IMG]I would really like some help in terms of how to build a case against these people. Because of the default on my credit file I have been unable to
1. Get a business loan to expand my business and pay my business liabilities
2. Rent a property
3. Get any credit services that require monthly payments
I will now have to close my business, I have run out of savings and can no longer maintain the cash flow required to service my clients. I am unable to get a loan to cover my business liabilities. To make matters worse, Equifax and Experian have confirmed that it was 100% Lowell who added the default on my credit file ( not the co-opperative bank). These cowboys have defamed my name , cut of my credit lifeline and destroyed my business.
I need help guys , sorry for going on and on , but I have tried to add as much information as possible. Any assistance in how to proceed with court action would be helpful.
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