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    • Monika the first four pages of the Private parking section have at least 12 of our members who have also been caught out on this scam site. That's around one quarter of all our current complaints. Usually we might expect two current complaints for the same park within 4 pages.  So you are in good company and have done well in appealing to McDonalds in an effort to resolve the matter without having  paid such a bunch of rogues. Most people blindly pay up. Met . Starbucks and McDonalds  are well aware of the situation and seem unwilling to make it easier for motorists to avoid getting caught. For instance, instead of photographing you, if they were honest and wanted you  to continue using their services again, they would have said "Excuse me but if you are going to go to Mc donalds from here, it will cost you £100." But no they kett quiet and are now pursuing you for probably a lot more than £100 now. They also know thst  they cannot charge anything over the amount stated on the car park signs. Their claims for £160 or £170 are unlawful yet so many pay that to avoid going to Court. When the truth is that Met are unlikely to take them to Court since they know they will lose. The PCNs are issued on airport land which is covered by Byelaws so only the driver can be pursued, not the keeper. But they keep writing to you as they do not know who was driving unless you gave it away when you appealed. Even if they know you were driving they should still lose in Court for several reasons. The reason we ask you to fill out our questionnaire is to help you if MET do decide to take you to Court in the end. Each member who visited the park may well have different experiences while there which can help when filling out a Witness statement [we will help you with that if it comes to it.] if you have thrown away the original PCN  and other paperwork you obviously haven't got a jerbil or a guinea pig as their paper makes great litter boxes for them.🙂 You can send an SAR to them to get all the information Met have on you to date. Though if you have been to several sites already, you may have done that by now. In the meantime, you will be being bombarded by illiterate debt collectors and sixth rate solicitors all threatening you with ever increasing amounts as well as being hung drawn and quartered. Their letters can all be safely ignored. On the odd chance that you may get a Letter of Claim from them just come back to us and we will get you to send a snotty letter back to them so that they know you are not happy, don't care a fig for their threats and will see them off in Court if they finally have the guts to carry on. If you do have the original PCN could you please post it up, carefully removing your name. address and car registration number but including dates and times. If not just click on the SAR to take you to the form to send to Met.
    • In order for us to help you we require the following information:- [if there are more than one defendant listed - tell us] 1 defendant   Which Court have you received the claim from ? County Court Business Centre, Northampton   Name of the Claimant ? LC Asset 2 S.A R.L   Date of issue – . 28/04/23   Particulars of Claim   What is the claim for –    (1) The Claimant ('C') claims the whole of the outstanding balance due and payable under an agreement referenced xxxxxxxxxxxxxxxx and opened effective from xx/xx/2017. The agreement is regulated by the Consumer Credit Act 1974 ('CCA'), was signed by the Defendant ('D') and from which credit was extended to D.   (2) D failed to comply with a Default Notice served pursuant to s87 (1) CCA and by xx/xx/2022 a default was recorded.   (3) As at xx/xx/2022 the Defendant owed MBNA LTD the sum of 12,xxx.xx. By an agreement in writing the benefit of the debt has been legally assigned to C effective xx/xx/2022 and made regular upon C serving a Notice of Assignment upon D shortly thereafter.   (4) And C claims- 1. 12,xxx.xx 2. Interest pursuant to Section 69 County Courts Act 1984 at a rate of 8% per annum from xx/01/2023 to xx/04/2023 of 2xx.xx and thereafter at a daily rate of 2.52 to date of judgement or sooner payment. Date xx/xx/2023   What is the total value of the claim? 12k   Have you received prior notice of a claim being issued pursuant to paragraph 3 of the PAPDC (Pre Action Protocol) ? Yes   Have you changed your address since the time at which the debt referred to in the claim was allegedly incurred? No   Did you inform the claimant of your change of address? N/A Is the claim for - a Bank Account (Overdraft) or credit card or loan or catalogue or mobile phone account? Credit Card   When did you enter into the original agreement before or after April 2007 ? After   Do you recall how you entered into the agreement...On line /In branch/By post ? Online   Is the debt showing on your credit reference files (Experian/Equifax /Etc...) ? Yes, but amount differs slightly   Has the claim been issued by the original creditor or was the account assigned and it is the Debt purchaser who has issued the claim. DP issued claim   Were you aware the account had been assigned – did you receive a Notice of Assignment? Not that I recall...   Did you receive a Default Notice from the original creditor? Not that I recall...   Have you been receiving statutory notices headed “Notice of Sums in Arrears”  or " Notice of Arrears "– at least once a year ? Yes   Why did you cease payments? Loss of employment main cause   What was the date of your last payment? Early 2021   Was there a dispute with the original creditor that remains unresolved? No   Did you communicate any financial problems to the original creditor and make any attempt to enter into a debt management plan? No   -----------------------------------
    • Hello CAG Team, I'm adding the contents of the claim to this thread, but wanted to open the thread with an urgent question: Do I have to supply a WS for a claim with a court date that states " at the hearing the court will consider allocation and, time permitting, give an early neutral evaluation of the case" ? letter is an N24 General Form of Judgement or Order, if so, then I've messed up again. Court date 25 May 2024 The letter from court does not state (like the other claims I have) that I must provide WS within 28 days.. BUT I have recently received a WS from Link for it! making me think I do need to!??
    • Massive issues from Scottish Power I wonder if someone could advise next steps. Tennant moved out I changed the electric into my name I was out the country at the time so I hadn't been to the flat. During sign up process they tried to hijack my gas supply as well which I made it clear I didn't want duel fuel from them but they still went ahead with it. Phoned them up again. a few days later telling them to make sure they stopped it but they said too late ? had to get my current supplier to cancel it. Paid £50 online to ensure there was money covering standing charges etc eventually got to the flat no power. Phoned Scottish Power 40 minutes to get through they state I have a pay as you go meter and that they had set me up on a credit account so they need to send an engineer out which they will pass my details onto. Phone called from engineer asking questions , found out the float is vacant so not an emergency so I have to speak to Scottish Power again. Spoke with the original person from Scottish Power who admitted a mistake (I had told her it was vacant) and now states that it will take 4 weeks to get an appointment but if I want to raise a complaint they will contact me in 48 hours and it will be looked at quicker. Raised a complaint , complaints emailed me within 24 hours to say it will take 7 days till he speaks with me. All I want is power in the property would I be better switching over to EON who supply the gas surely they could sort it out quicker? One thing is for sure I will never bother with Scottish Power ever again.    
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Vodafone/Lowell***Complaint resolved***


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Hello everyone, *again*.

 

After having closed down both our mobile phone contracts with Vodafone in November 2007 due to us not being able to get a signal in the house, rendering the phones unusable, I have today received demands for payment from the credit dept. of Vodafone.

 

I still have the letters sent to Vodafone in Sept. and Nov. 2007 giving 30 days' notice - the 18-month contracts had been fulfilled and paid for - as well as the second letter I had to send on one account, drafted for me by Consumer Direct, quoting The Supply of Goods and Services Act 1982.

 

They threaten us with those clowns at Lowell if we don't pay a debt - they want approx. £40 - we don't owe. Interesting, as I have recently CCAd Lowell on two different old debts.

 

Can anyone please direct me to a template letter or advise on what I should do next?

 

Many thanks in advance

hope you're all well

H.xx

 

PS I have just noticed that these demands have not come on proper Vodafone stationery - the logo is photocopied.

Edited by MARTIN3030
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That the birds of worry and care fly above your head, this you cannot change. But that they build nests in your hair, this you can prevent. --- Chinese proverb

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I'm not sure if there's a template letter for this situation but if I were you I'd send copies of the letters you mention with a cover stating that you do not acknowledge any debt based on etc etc

You may find that your post gets a vist from "Lee vodafone", he works for them and has been very helpful to others

Good luck

R

[sIGPIC][/sIGPIC] I asked them to wait whilst I got my Bank card :violin:

------------------------------------------------------------------------------------------

 

Information that may help if a CCA request is refused due to the lack of a signature . . http://www.consumeractiongroup.co.uk/forum/showthread.php?248863-Signature-demands-fight-back-possible-!&highlight=

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Hello everyone, *again*.

 

After having closed down both our mobile phone contracts with Vodafone in November 2007 due to us not being able to get a signal in the house, rendering the phones unusable, I have today received demands for payment from Stefan in the credit dept. of Vodafone.

 

:confused: :confused:

 

I still have the letters sent to Vodafone in Sept. and Nov. 2007 giving 30 days' notice - the 18-month contracts had been fulfilled and paid for - as well as the second letter I had to send on one account, drafted for me by Consumer Direct, quoting The Supply of Goods and Services Act 1982.

 

They threaten us with those clowns at Lowell if we don't pay a debt - they want approx. £40 - we don't owe. Interesting, as I have recently CCAd Lowell on two different old debts.

 

Can anyone please direct me to a template letter or advise on what I should do next?

 

Many thanks in advance

hope you're all well

H.xx

 

PS I have just noticed that these demands have not come on proper Vodafone stationery - the logo is photocopied.

 

I missed this before, seems strange that your letters do not appear to be on proper Vodafone headed paper :confused: . . I'm 100% sure no one would be attempting to pull a fast one here . . hmmm yeh right says the cynic in me :rolleyes:

 

Lets see what happens

 

R

Edited by MARTIN3030
see below

[sIGPIC][/sIGPIC] I asked them to wait whilst I got my Bank card :violin:

------------------------------------------------------------------------------------------

 

Information that may help if a CCA request is refused due to the lack of a signature . . http://www.consumeractiongroup.co.uk/forum/showthread.php?248863-Signature-demands-fight-back-possible-!&highlight=

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Well I wish he'd make up his mind. Is he Credit Manager or COD?:confused:

 

Thanks again, cerebusalert and Revenant. Have sent email to Vodafone Customer Service (which was always poor even when we were paying them)... I just can't believe I have to deal with these people again when they were paid up over two years ago!

Edited by MARTIN3030
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That the birds of worry and care fly above your head, this you cannot change. But that they build nests in your hair, this you can prevent. --- Chinese proverb

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Update:

 

I have just looked up the address these so-called letters from Vodafone came from - POB 511, Bradley Stoke, Bristol BS34 9BH -

 

It's actually Lowell Financial *pretending* to be Vodafone!!!! Hence the photocopied logo.

 

Isn't that illegal?

Edited by Hwyl56

That the birds of worry and care fly above your head, this you cannot change. But that they build nests in your hair, this you can prevent. --- Chinese proverb

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Update:

 

I have just looked up the address these so-called letters from Vodafone came from - POB 511, Bradley Stoke, Bristol BS34 9BH -

 

If you still have the envelopes see if the return address is the same or one of the other po box alias's they use

 

It's actually Lowell Financial *pretending* to be Vodafone!!!! Hence the photocopied logo.

 

Isn't that illegal?

 

I think you need to bring this to the attention of TS/OFT/Vodafone, another bit of trickery from Lowell :x

 

 

I'm sure that's got to come under misrepresentation of some kind

R

[sIGPIC][/sIGPIC] I asked them to wait whilst I got my Bank card :violin:

------------------------------------------------------------------------------------------

 

Information that may help if a CCA request is refused due to the lack of a signature . . http://www.consumeractiongroup.co.uk/forum/showthread.php?248863-Signature-demands-fight-back-possible-!&highlight=

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Thanks again, R. I'm sure this is all because we've got Lowell by the short & curlies on some other stuff....:grin::grin:

That the birds of worry and care fly above your head, this you cannot change. But that they build nests in your hair, this you can prevent. --- Chinese proverb

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Hi Hwyl

Please find below what I think are possible breaches in this situation for Lowell have presented letters that are supposed to come from Vodafone, might be worth starting to throw some stuff back thier way ;)

 

CSA Code of Practice

 

1. General Conduct

Each member shall act responsibly and with

integrity in the day-to-day conduct of its

business. For example:

a) Conduct its business lawfully, comply with

all relevant UK legislation, regulation

and judicial decisions and trade fairly and

responsibly.

b) Conduct its business under a name, title or

style which will not confuse or mislead

clients, creditors, debtors or members of

the public, or which will not imply any

association with other organisations or

persons, which do not exist.

 

OFT Guidelines

 

2 UNFAIR BUSINESS PRACTICES

Communication

2.1 It is unfair to communicate, in whatever form, with consumers in an unclear,

inaccurate or misleading manner.

 

2.2 Examples of unfair practices are as follows:

 

b. leaving out or presenting information in such a way that it

creates a false or misleading impression or exploits debtors'

lack of knowledge

 

c. those contacting debtors not making clear who they are, who

they work for, what their role is, what the purpose of the

contact is

 

[sIGPIC][/sIGPIC] I asked them to wait whilst I got my Bank card :violin:

------------------------------------------------------------------------------------------

 

Information that may help if a CCA request is refused due to the lack of a signature . . http://www.consumeractiongroup.co.uk/forum/showthread.php?248863-Signature-demands-fight-back-possible-!&highlight=

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Cheers, Revenant, shall use all that in my letter.:)

 

ODC, thank you - but I don't believe dcas are allowed to pretend to be a member of staff of another company. That's misrepresentation, as R. says.

 

How dumb do you have to be to work for/run Lowell, anyway? Like these kinds of tactics are going to make me pay money I don't owe.

That the birds of worry and care fly above your head, this you cannot change. But that they build nests in your hair, this you can prevent. --- Chinese proverb

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Lowells are not actually pretending to be Vodafone if Vodafone give them permission to use a letter and letterheading from them. There are loads of other threads where DCAs have done the same.

 

In my case Worst Credit sent me a letter from a completely different bank to the one they were chasing me for. Somebody obviously loaded the wrong template in the threatomatic

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Hi Hwyl56,

 

So that I can make sure your email gets to the Web Relations Team could you update the thread with your email reference number?

 

For clarification, Stefan is our Customer Operations Director and I'll address the issue regarding the letter with our Credit Administration Department so that they can get it amended.

 

Many thanks and as soon as I've received your email I'll come back to you as soon as I can.

 

Lee

 

Web Relations Team

 

Vodafone UK

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Ok one or two edits.

Primarily for the reason that we have a Vodafone representitive here looking into things and we should give him the chance to do that.

We should not be concerned of the past-its easy to find negatives on a Google search-we should instead be concerned with here and now.

Give Lee the opps to look into this-and then after you can make your minds up.

Have a happy and prosperous 2013 by avoiiding Payday loans. If you are sent a private message directing you for advice or support with your issues to another website,this is your choice.Before you decide,consider the users here who have already offered help and support.

Advice offered by Martin3030 is not supported by any legal training or qualification.Members are advised to use the services of fully insured legal professionals when needed.

 

 

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Hi Hwyl56,

 

So that I can make sure your email gets to the Web Relations Team could you update the thread with your email reference number?

 

For clarification, Stefan is our Customer Operations Director and I'll address the issue regarding the letter with our Credit Administration Department so that they can get it amended.

 

Hmmm . . I'm afraid to say that I read the comment above as at least partial acknowledgement that Vodafone know Lowell are sending out letters misleading people by using "Vodafone paper", IF Vodafone do not know or condone Lowell's behaviour how can they get the letter amended :confused:

 

Many thanks and as soon as I've received your email I'll come back to you as soon as I can.

 

Lee

 

Web Relations Team

 

Vodafone UK

 

It will be interesting to see what Lee can dig up on this one

 

R

Edited by Revenant

[sIGPIC][/sIGPIC] I asked them to wait whilst I got my Bank card :violin:

------------------------------------------------------------------------------------------

 

Information that may help if a CCA request is refused due to the lack of a signature . . http://www.consumeractiongroup.co.uk/forum/showthread.php?248863-Signature-demands-fight-back-possible-!&highlight=

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So that I can make sure your email gets to the Web Relations Team could you update the thread with your email reference number?

 

 

Thank you, Lee. I'm not sure what you mean by email reference number. I have since had an email from Rohit Sarode at your company saying that the monies are owed, but this is incorrect. Vodafone was given one month's written notice on both phones in 2007 because

 

a) the 18 month contract was up, so on one phone the accountholder was free to go to another company

 

b) on the second phone, we couldn't get a signal in the new place we'd moved to. That 18 month contract was up as well so that phone was cancelled on one month's notice.

 

Both accounts were paid up. Vodafone wanted an extra month's payment but that's ridiculous.

 

It has been over two years since this was settled, Vodafone has had our new address all this time. Why are we being harassed now, and under false pretences? It is my understanding that if there were a problem we should get a letter first from Vodafone, then from a dca.

 

I am also looking into placing a formal complaint with the financial ombudsman against both Vodafone and Lowell if this is not resolved. My partner had a heart attack 2 years ago because of this sort of thing.

 

Thank you again for your assistance.

 

H.

That the birds of worry and care fly above your head, this you cannot change. But that they build nests in your hair, this you can prevent. --- Chinese proverb

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Ok one or two edits.

Primarily for the reason that we have a Vodafone representitive here looking into things and we should give him the chance to do that.

We should not be concerned of the past-its easy to find negatives on a Google search-we should instead be concerned with here and now.

Give Lee the opps to look into this-and then after you can make your minds up.

 

Thank you for your points :) though I did think the fact that I hold in my hand proof of one company pretending to be another needed highlighting.

 

The email reference number is #2161935

That the birds of worry and care fly above your head, this you cannot change. But that they build nests in your hair, this you can prevent. --- Chinese proverb

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Hi Hwyl56,

 

Cerberusalert is spot on but if you don't know what the reference is then don't worry just send me a PM with just the email address from which you emailed us from and I'll try to trace your account that way.

 

Thanks,

 

Lee

 

Web Relations Team

 

Vodafone UK

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Vodafone like all creditors are responsible for the actions of any DCAs the engage to chase debt

 

Thank you, ODC :) Really appreciate all the assistance on this thread

That the birds of worry and care fly above your head, this you cannot change. But that they build nests in your hair, this you can prevent. --- Chinese proverb

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Hi Hwyl56,

 

Cerberusalert is spot on but if you don't know what the reference is then don't worry just send me a PM with just the email address from which you emailed us from and I'll try to trace your account that way.

 

Thanks,

 

Lee

 

Web Relations Team

 

Vodafone UK

 

The email reference number is #2161935

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Hi Hwyl56,

 

I've located your details and will now be able to look into this for you. Thanks cerberusalert I saw the post just after my initial post went on and thanks for removing it so that thread makes sense again.

 

While I have a few other Caggers to get back to I will try to come back to you today.

 

Thanks,

 

Lee

 

Web Relations Team

 

Vodafone UK

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Vodafone like all creditors are responsible for the actions of any DCAs the engage to chase debt

 

 

No one is denying that ODC I would be first to agree.

Have a happy and prosperous 2013 by avoiiding Payday loans. If you are sent a private message directing you for advice or support with your issues to another website,this is your choice.Before you decide,consider the users here who have already offered help and support.

Advice offered by Martin3030 is not supported by any legal training or qualification.Members are advised to use the services of fully insured legal professionals when needed.

 

 

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