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    • Thank-you dx, What you have written is certainly helpful to my understanding. The only thing I would say, what I found to be most worrying and led me to start this discussion is, I believe the judge did not merely admonish the defendant in the case in question, but used that point to dismiss the case in the claimants favour. To me, and I don't have your experience or knowledge, that is somewhat troubling. Again, the caveat being that we don't know exactly what went on but I think we can infer the reason for the judgement. Thank-you for your feedback. EDIT: I guess that the case I refer to is only one case and it may never happen again and the strategy not to appeal is still the best strategy even in this event, but I really did find the outcome of that case, not only extremely annoying but also worrying. Let's hope other judges are not quite so narrow minded and don't get fixated on one particular issue as FTMDave alluded to.
    • Indians, traditionally known as avid savers, are now stashing away less money and borrowing more.View the full article
    • the claimant in their WS can refer to whatever previous CC judgements they like, as we do in our WS's, but CC judgements do not set a legal precedence. however, they do often refer to judgements like Bevis, those cases do created a precedence as they were court of appeal rulings. as for if the defendant, prior to the raising of a claim, dobbed themselves in as the driver in writing during any appeal to the PPC, i don't think we've seen one case whereby the claimant referred to such in their WS.. ?? but they certainly typically include said appeal letters in their exhibits. i certainly dont think it's a good idea to 'remind' them of such at the defence stage, even if the defendant did admit such in a written appeal. i would further go as far to say, that could be even more damaging to the whole case than a judge admonishing a defendant for not appealing to the PPC in the 1st place. it sort of blows the defendant out the water before the judge reads anything else. dx  
    • Hi LFI, Your knowledge in this area is greater than I could possibly hope to have and as such I appreciate your feedback. I'm not sure that I agree the reason why a barrister would say that, only to get new customers, I'm sure he must have had professional experience in this area that qualifies him to make that point. 🙂 In your point 1 you mention: 1] there is a real danger that some part of the appeal will point out that the person appealing [the keeper ] is also the driver. I understand the point you are making but I was referring to when the keeper is also the driver and admits it later and only in this circumstance, but I understand what you are saying. I take on board the issues you raise in point 2. Is it possible that a PPC (claimant) could refer back to the case above as proof that the motorist should have appealed, like they refer back to other cases? Thanks once again for the feedback.
    • Well barristers would say that in the hope that motorists would go to them for advice -obviously paid advice.  The problem with appealing is at least twofold. 1] there is a real danger that some part of the appeal will point out that the person appealing [the keeper ] is also the driver.  And in a lot of cases the last thing the keeper wants when they are also the driver is that the parking company knows that. It makes it so much easier for them as the majority  of Judges do not accept that the keeper and the driver are the same person for obvious reasons. Often they are not the same person especially when it is a family car where the husband, wife and children are all insured to drive the same car. On top of that  just about every person who has a valid insurance policy is able to drive another person's vehicle. So there are many possibilities and it should be up to the parking company to prove it to some extent.  Most parking company's do not accept appeals under virtually any circumstances. But insist that you carry on and appeal to their so called impartial jury who are often anything but impartial. By turning down that second appeal, many motorists pay up because they don't know enough about PoFA to argue with those decisions which brings us to the second problem. 2] the major parking companies are mostly unscrupulous, lying cheating scrotes. So when you appeal and your reasons look as if they would have merit in Court, they then go about  concocting a Witness Statement to debunk that challenge. We feel that by leaving what we think are the strongest arguments to our Member's Witness Statements, it leaves insufficient time to be thwarted with their lies etc. And when the motorists defence is good enough to win, it should win regardless of when it is first produced.   
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Lowell claimform - mates Cap1 debt - lots of charges


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A mate has had a "Pre Legal Assessment " letter from lowlifes,

 

I was told account was Cap One card opened around 2001 via post

 

due to job loss nothing apart from token £1 paid from 2010, for a year or so until C1 stopped them from being able to make online payments,

 

they then phoned them constantly asking for payments,

given to Lowell in 2014 whereupon it appears they added their own default.

 

I think the balance of around £3.6K

is chock full of charges and late payment fees.

 

Would SAR to Cap1 help establish original default date, and what are lowlifes chances on this one?

 

Have told them to register with Clearscore and Noddle to check what else might be lurking in there.

We could do with some help from you.

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Reckon there must be 500+ if not more if was defaulted around 2012 by OC. What are Lowlifes chances of coming up with an enforceable agreement from 2001?

We could do with some help from you.

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"Pre Legal Assessment " letter from lowlifes

a threatogram imo.

sar shld go to the original creditor, as they are the ones who usually default prior to sale.

if its just the default date you're after, try ringing the original creditor, or see whats on the credit file (as the default date shld be the same regardless of who now owns it)

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Will tell them to SAR Cap 1,

 

I am suspicious as Lowlifes apparently offered a discounted payment last year

 

but my mate has been ignoring them they say, it was the latest letter that prompted them to ask.

 

Lowlifes are noted for adding a new default when they are sold a debt, in an effort to reset a SB clock.

We could do with some help from you.

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given to Lowell in 2014 whereupon it appears they added their own default

they can put their name on it if has been sold to them, but they cant change the original default date.

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Lowlifes are noted for adding a new default when they are sold a debt, in an effort to reset a SB clock.

yep. as before, they can put their name on it, but they cant change the default date.

plus, there is the argument that a default date may not necessarily be re the sb clock.

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are the old pre school letter

was it in red crayon?

 

 

CCA to Lowells

SAR to the OC.

 

 

dx

please don't hit Quote...just type we know what we said earlier..

DCA's view debtors as suckers, marks and mugs

NO DCA has ANY legal powers whatsoever on ANY debt no matter what it's Type

and they

are NOT and can NEVER  be BAILIFFS. even if a debt has been to court..

If everyone stopped blindly paying DCA's Tomorrow, their industry would collapse overnight... 

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Think it had green John Bull printed headers.

Will tell them to do just that.

 

 

Would the date of the agreement as in 2001 make any difference?

We could do with some help from you.

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The bailiff: A 12th Century solution re-branded as Enforcement Agents for the 21st Century to seize and sell debtors goods as before Oh so Dickensian!

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have to be a copy of the signed one

a recon wont do

 

 

dx

please don't hit Quote...just type we know what we said earlier..

DCA's view debtors as suckers, marks and mugs

NO DCA has ANY legal powers whatsoever on ANY debt no matter what it's Type

and they

are NOT and can NEVER  be BAILIFFS. even if a debt has been to court..

If everyone stopped blindly paying DCA's Tomorrow, their industry would collapse overnight... 

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Share on other sites

So potentially Lowells are up the creek, it is telling that they told me they were offered a discounted balance last year, about a K less, so chock full of unlawful fees probably.

We could do with some help from you.

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The bailiff: A 12th Century solution re-branded as Enforcement Agents for the 21st Century to seize and sell debtors goods as before Oh so Dickensian!

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or they alredy know they cant enforce it

 

 

dx

please don't hit Quote...just type we know what we said earlier..

DCA's view debtors as suckers, marks and mugs

NO DCA has ANY legal powers whatsoever on ANY debt no matter what it's Type

and they

are NOT and can NEVER  be BAILIFFS. even if a debt has been to court..

If everyone stopped blindly paying DCA's Tomorrow, their industry would collapse overnight... 

Link to post
Share on other sites

Am seeing them later so SAR CAP 1, and CCA Lowell, or ignore?

We could do with some help from you.

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The bailiff: A 12th Century solution re-branded as Enforcement Agents for the 21st Century to seize and sell debtors goods as before Oh so Dickensian!

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is this the only comms hes had in recent years the yes ignore

must be near SB too?

please don't hit Quote...just type we know what we said earlier..

DCA's view debtors as suckers, marks and mugs

NO DCA has ANY legal powers whatsoever on ANY debt no matter what it's Type

and they

are NOT and can NEVER  be BAILIFFS. even if a debt has been to court..

If everyone stopped blindly paying DCA's Tomorrow, their industry would collapse overnight... 

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Share on other sites

Apparently Lowell put on a default in 2014, but surely Cap 1 must have defaulted earlier they seem to have been sold the debt around then, Am told nothing paid since 2011, as Cap 1 prevented them making a token online payment.

We could do with some help from you.

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The bailiff: A 12th Century solution re-branded as Enforcement Agents for the 21st Century to seize and sell debtors goods as before Oh so Dickensian!

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nope only the OC can default a debt

that would have been done upon or before the sale..

 

that's what cap1 always do close down access.

 

the defaulted date cannot be changed

 

so what other letters has he had before this one

please don't hit Quote...just type we know what we said earlier..

DCA's view debtors as suckers, marks and mugs

NO DCA has ANY legal powers whatsoever on ANY debt no matter what it's Type

and they

are NOT and can NEVER  be BAILIFFS. even if a debt has been to court..

If everyone stopped blindly paying DCA's Tomorrow, their industry would collapse overnight... 

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Share on other sites

The usual sort the debt out letters, a statement, an offer of a discounted settlement all ignored, until they asked about the Pre Legal Assessment letter. I would hazard a guess that the discounted payment offer indicated no CCA they can get their paws on to ground anything.

We could do with some help from you.

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The bailiff: A 12th Century solution re-branded as Enforcement Agents for the 21st Century to seize and sell debtors goods as before Oh so Dickensian!

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i think i'd ignore then

 

 

dx

please don't hit Quote...just type we know what we said earlier..

DCA's view debtors as suckers, marks and mugs

NO DCA has ANY legal powers whatsoever on ANY debt no matter what it's Type

and they

are NOT and can NEVER  be BAILIFFS. even if a debt has been to court..

If everyone stopped blindly paying DCA's Tomorrow, their industry would collapse overnight... 

Link to post
Share on other sites

  • 3 months later...

Lowlifes have surfaced again, another pre legal letter for him with an annual statement, usual guff full of ifs buts and maybe's should I suggest CCA to Lowlifes, and SAR to Cap 1 now? Reckon there must be £4-500 in charges as he told me the debt was originally £3k when he was prevented from paying online around 2011 or 2012, but default appeared in 2014 with Lowlifes

 

Poss PPI?

We could do with some help from you.

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The bailiff: A 12th Century solution re-branded as Enforcement Agents for the 21st Century to seize and sell debtors goods as before Oh so Dickensian!

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they seem to be sending out lots of these pre school assessment letters just recently on lemon debts.

what colour was the crayon....

 

 

sar to the oc poss but let lowells stew...

please don't hit Quote...just type we know what we said earlier..

DCA's view debtors as suckers, marks and mugs

NO DCA has ANY legal powers whatsoever on ANY debt no matter what it's Type

and they

are NOT and can NEVER  be BAILIFFS. even if a debt has been to court..

If everyone stopped blindly paying DCA's Tomorrow, their industry would collapse overnight... 

Link to post
Share on other sites

Have suggested CCA to Lowlifes and SAR to Cap 1, just in case they do try a claim, apparently there is no previous address on the debt for them to send a claimform to

We could do with some help from you.

PLEASE HELP US TO KEEP THIS SITE RUNNING EVERY POUND DONATED WILL HELP US TO KEEP HELPING OTHERS

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The bailiff: A 12th Century solution re-branded as Enforcement Agents for the 21st Century to seize and sell debtors goods as before Oh so Dickensian!

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  • 4 weeks later...

Lowell have now sent my mate another letter transferring the account to Lowell Solicitors,

 

also enclosed is a letter from them on green headed paper saying they now have the account and to phone them to arrange to pay etc etc.

 

Helpfully they have put the original A?C no from Cap1 which he had lost.

 

Time for CCA I think to Lowell or to the "Solicitors" on the next desk along?

 

and as there were probably late payment fees in the debt SAR to Cap1

 

He tells me last payment or any acknowledgement was atound 2011- 2012,

 

he has not contacted Lowell at all just binned their letters.

We could do with some help from you.

PLEASE HELP US TO KEEP THIS SITE RUNNING EVERY POUND DONATED WILL HELP US TO KEEP HELPING OTHERS

Have we helped you ...?         Please Donate button to the Consumer Action Group

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The bailiff: A 12th Century solution re-branded as Enforcement Agents for the 21st Century to seize and sell debtors goods as before Oh so Dickensian!

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would have been useful to have gotten that sar done last year

we'd have the data by now.

please don't hit Quote...just type we know what we said earlier..

DCA's view debtors as suckers, marks and mugs

NO DCA has ANY legal powers whatsoever on ANY debt no matter what it's Type

and they

are NOT and can NEVER  be BAILIFFS. even if a debt has been to court..

If everyone stopped blindly paying DCA's Tomorrow, their industry would collapse overnight... 

Link to post
Share on other sites

He's just come round in a panic, Lowlife solicitors have texted him half an hour ago demanding he phones them now.

 

Told him to keep all txts especially if they text daily or more frequently and to CCA tomorrow but to Lowlifes or the Lowlife Solicitor ? He said he didn't SAR Cap1 as he had lost the account ref, but the latest letter has it on there.

We could do with some help from you.

PLEASE HELP US TO KEEP THIS SITE RUNNING EVERY POUND DONATED WILL HELP US TO KEEP HELPING OTHERS

Have we helped you ...?         Please Donate button to the Consumer Action Group

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The bailiff: A 12th Century solution re-branded as Enforcement Agents for the 21st Century to seize and sell debtors goods as before Oh so Dickensian!

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