An old sorted issue has raised it's ugly head

[SaltnVinegar]

Re: An old sorted issue has raised it's ugly head

Thanks SnV ill have a read now

Paragraph 16 is the one that I think has a lot in common with your case. Why should you now have to check the CRA's at a cost to yourself, for the next couple of months to ensure that any marker has been removed?

[pompeyfaith]

Re: An old sorted issue has raised it's ugly head

Indeed as it is wholly there error which amounts to maladministration the onus is on them to supply the cra entry I requested.

[CleverClogs (RIP)]

Re: An old sorted issue has raised it's ugly head

www.e-sue.co.uk/docs/lowell_judgment.pdf

Excellent!

Send that to the Leeds Loonies.

[pompeyfaith]

Re: An old sorted issue has raised it's ugly head

My Reply to Lowells latest email

Thank You for your prompt reply, however the contents of such I am not impressed with at all, Please tell me why I should pay to get reports from the CRA's to check whether you have indeed removed a default that you should never have put there in the first place.

This was because of your maladministration and thus will not be paying to check your errors.

I state again your company has 14 days to supply me with the proof that you have removed the default failure to comply with a just request will result in further action by me.

Do not brush this under the carpet as it has been noted that you have already been found guilty in a civil court of credit reference data errors.

Not only have you sent wrongful demands for money I do not owe, but also made a wrongful entry of my CRA file that is serious behavior.

If you cannot deal with this I suggest you pass it to management.

[CleverClogs (RIP)]

Re: An old sorted issue has raised it's ugly head

My Reply to Lowells latest email

... I state again your company has 14 days to supply me with the proof that you have removed the default failure to comply with a just request will result in further action by me.

Don't they now have only 13 days?

When they've not complied, will you ask Paul to send an official looking letter, or just complain to the Licence Fitness Hibernation Centre at the Office of Faffing and Twaddling?

[pompeyfaith]

Re: An old sorted issue has raised it's ugly head

Blimey a few lies in this reply just received

Response to customer’s email dated 6th February 2013 – checked by SS23

8th February 2013

Our Reference :

Original Creditor : Co-operative Bank

Dear Mr and Mrs

Thank you for your further email dated 6th February 2013. I am sorry to hear that you remain unhappy with the content of my email dated 5th February 2013.

I must respectfully advise that you will need to contact the credit reference agencies directly to obtain copies of your credit files, using the information that I previously provided. With regards to payment for these services; you may be aware that through media publicity, free trials of these agencies are available.

The credit reference agencies will be able to answer specific questions regarding the information they are providing on the telephone numbers I have previously supplied.

In order for me to investigate your claim that we have been found guilty in court, may I ask that you provide supporting evidence of this, as we have not been notified of this by the courts.

As previously stated in my email to you on 5th February 2013; the account was purchase from our client in good faith. With this, it has been found that no maladministration has been undertaken by the Lowell Group in this instance.

As all matters on this account have now been addressed in full, I must advise that this letter represents the Lowell Group’s final response.

Yours sincerley

John Broadbent
Customer Relations Officer

Tel : 0800 542 0058
Ext : 7020
Email : John.broadbent@lowellgroup.co.uk
Web : Lowell Group - Welcome to Lowell Financial, how can we help you today?

Yes their are free trials if you hand over credit card details and you are not telling me to do that are you?

[pompeyfaith]

Re: An old sorted issue has raised it's ugly head

Complaint going into the FOS today

[pompeyfaith]

Re: An old sorted issue has raised it's ugly head

OK Got an offer from the bank in your opinion is it an acceptable offer? and is it true they cannot supply a copy of the CRA entry as I thought it was they that processed the data and thus can grab a screenshot?

Good afternoon Mr ,

Please find below your final response. I have also send a copy in the post
for you with the enclosed leaflets.

Regards

Kate


Dear Mr


Thank you for your e-mail of 22 January 2013, to Barry Tootell, which has
been passed to me for reply in my capacity as Executive Customer Relations
Consultant. I am sorry that you have had cause to complain.

I understand that your complaint is as follows:

Ÿ You had a successful PPI complaint and as part of this your Loan
Balance was cleared and we agreed to waive the balance on your Current
Account prior to closing the accounts.
Ÿ You have since received a letter from us and Lowell Portfolio
advising that a balance of £359.98 has been sold to Lowell Portfolio to
recover the debt. You have advised you are seeking compensation for the
error or will refer this to the Financial Ombudsman Service (FOS). You have
requested a full apology from the bank and Lowell Portfolio and have asked
for a copy of your credit file to show all accounts are settled.
Ÿ You are unhappy that we do business with Lowell Portfolio and have
advised that the problems you have experienced have made your health
problems worse.

I am sorry to hear of the errors that have been made and the effect you
have advised this has had on your health. I can assure you that it was not
our intention to cause you any distress and I would like to offer my
sincere apologies that this has been the case.

We agreed to waive the balance of £359.98 in 2011 as part of your previous
complaint regarding PPI. The information was passed to the relevant
department to clear the account and then close the account, however, this
was clearly not done. This was an error on our part and please be assured
that feedback has been provided regarding this to prevent a repeat of your
experience.




The debt was sold to Lowell Portfolio Ltd on 28 December 2012, in line with
our policy for unpaid debts. Following this a letter was sent to you from
the bank to inform you of our actions. A letter was also sent by Lowells to
inform you that they were now in possession of the debt and asking you to
contact them regarding this. Whilst I appreciate you are unhappy that the
debt was sold and in this case this was an error, the bank has made the
decision to sell debts that we have not been able to recover. Debts are
sold to agencies such as Lowells for recovery and they will then contact
the customer for recovery. I understand you would like a letter of apology
from Lowells for correspondence they have sent to you, however, the error
has been by the bank and not by Lowells and as such, it is appropriate that
the apology is issued from this office.

We are in the process of recovering the debt from Lowells and once this has
been received, please be assured that the debt will be cleared in full. I
will monitor the account to ensure this has been done. I have requested
that we amend your credit file to ensure that this shows the debt being
cleared and the account closing in 2011. Please note, it can take up to 30
days for the Credit Reference Agencies to update their records. I am unable
to provide you with a copy of your credit file as this is not information
owned by the bank and as such, we are unable to provide this.

In view of the errors that have occurred and the distress caused, I would
like to offer you the amount of £150. If you would like to accept our offer
please return the enclosed acceptance form and I will be happy to process
this for you. Once again, I would like to offer my sincere apologies for
the problems that have occurred.

I trust my letter resolves these matters for you and you can regard this as
our final response. However, if you have any new or further information,
in relation to this complaint, that you would like me to consider please
contact me on 0843 208 7391.


If you remain dissatisfied you may refer your complaint to the Financial
Ombudsman Service. You must do this within six months from the date of
this letter. Further information can be found in the enclosed leaflet.

Yours sincerely



Kate Slack
Executive Customer Relations Consultant
On behalf of The Co-operative Bank plc
Enc: FOS Leaflet
Acceptance Form
Pre-paid Envelope






To: Kate Slack
Customer Relations
Level 4
Miller Street
Manchester
M60 0AL


Ref:

I confirm my acceptance of the offer detailed in your letter dated 11
February 2013 in full and final settlement of my complaint.



Signed …………………………………………….. Date……………………………………..





Kate Slack
Executive Relations Consultant

Customer Relations,
The Co-operative Banking Group
4th Floor, Miller Street
Manchester M60 0AL
co-operativebank.co.uk

t: 0843 208 7391
e: kate.slack@cfs.coop

[oscar]

Re: An old sorted issue has raised it's ugly head

I think you would struggle to get much more PF - whether it is acceptable or not is down to you.

If it was me - bearing in mind I dont have ill health as such, I would probably take the offer, it was an unfortunate error, and they do happen. The CRAs dont matter too much - apart from the dates and balance, I would assume there was some derogatory info there already?

Blow the lot on a good night out!

[pompeyfaith]

Re: An old sorted issue has raised it's ugly head

Thanks Oscar Although it relates to a complaint that started in 2007 £150 is probably about right for the one letter I recieved.

Wish I could blow it on a night out but have MOT coming in March and need 4 new tyres so ill save it to help with that.

Ill wait for niddy to advise too as I sent him a PM.

Thanks

[Never-In-Doubt]

Re: An old sorted issue has raised it's ugly head

Hmm £150 within a final response....

I'd take it. The FOS won't go much higher so with it you can spend £6 on CRA fees.

I'd literally just accept it and send no other letter. Just sign and return her acceptance form. It's better than a slap in the chops

[pompeyfaith]

Re: An old sorted issue has raised it's ugly head

Thanks Niddy that is what ill do as it is OK for a few emails, they have realized there errors and apologized which means more to me anyway.

[pompeyfaith]

Re: An old sorted issue has raised it's ugly head

Give it say 30 days yeh before I send off letters with the £2 fees for a copy of CRA files.