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    • Should this to be take into court with him or should he send something in earlier?
    • This is the other sign  parking sign 1a.pdf
    • 4 means that they need to name and then tell the people who will be affected that there has been an application made, what the application relates to (specificially "whether it relates to the exercise of the court’s jurisdiction in relation to P’s property and affairs, or P’s personal welfare, or to both) and what this application contains (i.e what order they want made as a result of it) 5 just means that teh court think it is important that the relevant people are notified 7 means that the court need more information to make the application, hence they have then made the order of paragraph 1 which requires the applicant to do more - this means the court can't make a decision with the current information, and need more, hence paragraph one of the order is for the applicant to do more. paragraph 3 of the order gives you the ability to have it set aside, although if it was made in january you are very late. Were you notiifed of the application or not?    
    • These are the photos of the signs. At the entrance there is a 7h free sign. On some bays there is a permit sign.  Also their official website is misleading as it implies all parking is free.  I can't be certain of the exact parking bay I was in that day, and there was no PCN ticket on my car and no other evidence was provided.  parking sign 2.pdf
    • Hi, In my last post I mentioned I had received an email from SS who were asking me to hand over the keys to my mother’s flat so they could pass them to the Law firm who have been appointed court of protection to access, secure and insure my mother’s property.  Feeling this, all quickly getting out of my hands I emailed ss requesting proof of this. I HAVEN’T HEARD BACK FROM SS.  Yesterday, I received an email (with attached court of protection order) from the Law Firm confirming this was correct (please see below a copy of this).  After reading the court of protection order I do have some concerns about it:   (a)   I only found out yesterday, the Law firm had been appointed by the court back in January.  Up until now, I have not received any notification regarding this.  (b)   Section 2   - States I am estranged from my mother.  This is NOT CORRECT    The only reason I stepped back from my mother was to protect myself from the guy (groomer) who had befriended her & was very aggressive towards me & because of my mother’s dementia she had become aggressive also.  I constantly tried to warned SS about this guy's manipulative behaviour towards my mother and his increasing aggressiveness towards me (as mentioned in previous posts).  Each time I was ignored.  Instead, SS encouraged his involvement with my mother – including him in her care plans and mental health assessments.   I was literally pushed out because I feared him and my mother’s increasing aggression towards me. Up until I stepped back, I had always looked after my mother and since her admission to the care home, I visit regularly.   .(c)    Sections -  4, 5 and 7  I am struggling to understand these as I don’t have a legal background.  I was wondering if there is anyone who might be able to explain what they mean.  It’s been a horrendous situation where I had to walk away from my mother at her most vulnerable because of; ss (not helping), scammer and groomer. I have no legal background, nor experience in highly manipulative people or an understanding of how the SS system operates, finding myself isolated, scared and powerless to the point I haven’t collected my personal belongings and items for my mother’s room in the care home.  Sadly, the court has only had heard one version of this story SS’s, and based their decision on that. My mother’s situation and the experience I have gone through could happen to anyone who has a vulnerable parent.    If anyone any thoughts on this much appreciated.  Thank you. ______________________________________________________  (Below is the Court of Protection Order)  COURT OF PROTECTION                                                                                                                                                                                   No xxx  MENTAL CAPACITY ACT 2005 In the matter of Name xxx ORDER Made by  Depty District Judge At xxx Made on xxx Issued on 18 January 2024  WHEREAS  1.     xxx Solicitors, Address xxx  ("Applicant”) has applied for an order under the Mental Capacity Act 2005.  2.     The Court notes (my mother) is said to be estranged from all her three children and only one, (me) has been notified.  3.     (Me) was previously appointed as Atorney for Property and Affairs for (my mother).  The Exhibity NAJ at (date) refers to (me) and all replacement Attorneys are now officially standing down.  4.     Pursuant to Rule 9.10 of the Court of Protection Rules 2017 and Practice Direction 9B the Applicant 2must seek to identify at least three persons who are likely to have an interest in being notified that an application has been issues.”  The children of (my mother), and any other appointed attorneys are likely to have an interest in the application, because of the nature of relationship to (my mother).  5.     The Court considers that the notification requirements are an important safeguard for the person in respect of whom an order is sought.  6.     The Court notes that it is said that the local authority no longer has access to (my mother’s) Property.  7.     Further information is required for the Court to determine the application.  IT IS ORDERED THAT  Within 28 days of the issue date this order, the Applicant shall file a form COP24 witness statement confirming that the other children of (my mother) and any replacement attorneys have been notified of the application and shall confirm their name, address, and date upon which those persons were notified.  If the Applicant wishes the Court to dispense with any further notification, they should file a COP9 and COP24 explaining, what steps (if any) have been taken to attempt notification and why notification should be dispensed with.   Pending the determination of the application to appoint a deputy for (my mother), the Applicant is authorised to take such steps as are proportionate and necessary to access, secure and insure the house and property of (my mother).   This order was made without a hearing and without notice.  Any person affected by this order may apply within 21 days of the date on which the order was served to have the order set aside or varied pursuant to Rule 13.4 of the Court of Protection Rules 2017 (“the Rules”).  Such application must be made on Form COP9 and in accordance with Part 10 Rules.              
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Lowell Financial Limited Contact details and complaint help


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I am also having problems with these idiots.

Some help info read the Credit Service Association member code of practice.

available to download in PDF format, good to refer to.

 

Lowell - and the other million subsidiaries that pretend to hide at that office in LEEDS - break them all the time, point out which one they break and submit a complaint on CSA website, has to be printed and posted.

 

EXAMPLE AT THE END

 

 

www.csa-uk.com/index.htm

 

Very worth while, I am in the process already and with another company with another company but will do same for Wescot.

 

Also visit the Office of Fair Trading website -

 

www.oft.gov.uk/Business/licence/default.htm

 

They will have a consumer credit license to operate under

 

and read debt collection guidance they also will be worth seeing which ones if not all of those guidelines they infringe and let Andy Lowther know full details on there website.

 

Also sent the OFT a copy of your complaint to the CSA.

 

LOWELL FINANCIAL LIMITED - CONSUMER CREDIT No 528607

 

Mr. Andy Lowther

Office of Fair Trading

1C/015

FREEPOST

London

EC4B 4AH

 

[email protected]

 

Direct Line (020) 7211 8765

Fax (020) 7211 8877

 

Don’t let these idiots win and complain like hell!

 

Good luck

 

By the way started that many legal fights, I won 2 so far, yes I OWE this helpful site site some donations which will gladly follow shortly. Just preparing to cases that are certainly going to court not mentioning any name but check Lowell Financial Limited’s section.

 

Will update info and donations shortly.................

 

CSA MEMBER DETAILS FOR LOWELL FINANCIAL LIMITED

 

 

Lowell Financial Ltd

Enterprise House

PO Box 172

 

Leeds

LS11 9WS

 

Telephone: 0845 300 9410

Facsimile: 0845 300 9411

E-Mail: [email protected]

Website: Lowell Group

Region: NW

Services: CE

Areas Covered: UK

Type of Membership Full

Contact Person: Mr A Bartle

 

You can also for the cost of £1 get full company information, list of directors and their home addresses and other useful info for legal redress, all available online through Companies House

 

http://wck2.companieshouse.gov.uk/

 

 

 

SECTION TAKE FROM CSA COMPLAINT FORM>>>>>>>

 

 

In what way do you think the member has violated our Code of Practice?

 

s1 d & (vii) – XXXXX have failed to comply with ALL my requests for information as well as s7 of The Data Protection Act, Subject Access Request.

 

s3 (b) – XXXXX have continuously harassed and intimidated me into agreeing to a payment plan after threatening Court action for a alleged debt they have failed to prove is outstanding or they have the right to pursue.

 

s3 (e) – XXXX have sent numerous correspondence to chase this alleged debt and at one point a received nine letters over a period of four days.

 

s3 (j) – Letter dated XXXX from XXXXX Legal (trading style XXXXX) advising that County Court action will now commence and adding Court fees £XXX, Solicitors Cost £XXX and Interest of £XXX.

 

s3 (j) – Letter dated XXXX from XXXXX Legal advising legal proceedings are now being prepared for Court and failure to pay within 3 days a CCJ could be registered against me.

 

s3 (l) - XXXXX have failed to take ANY steps to show or verify that this alleged debt is legally due.

 

s3 (q) – failed to take into consideration any of the information supplied or respond promptly and accurately with information requested.

 

s3 ® – XXXX have failed to supply and of the information requested since XXXXX

 

 

 

What did you ask the CSA Member to do to put it right?

 

I have continuously denied this debt since XXXX and also asked XXXXXX to supply further information on numerous occasions without reply.

 

CREDIT SERVICE ASSOCIATION CONTACT

 

Credit Services Association

Wingrove House

Ponteland Road

Newcastle upon Tyne

NE5 3DP

 

Telephone:

00 44 (0)191 286 5656

Fax:

00 44 (0)191 286 0900

Email:Complaints [email protected]

 

Claire Aynsley

Code & Complaince Executive

CSA code of practice.pdf

OFT Debt collection guidelines.pdf

CSA Complaint Form.pdf

CSA complaint procedure.pdf

OFT Complaint form.doc

Capital One - Claim filed 5.12.06 6QZ90559 £759.25 (15/12/06 not aknowledged yet)

MBNA - Claim filed 5.12.06 6QZ90575 £764.45 (Aknowledged 7.12.06)

Barclaycard - S.A.R - (Subject Access Request) 30.10.06 (County Summons issued for non compliance & Damages - 20.12.06 Penrith County Court £80.00

Goldfish (Lloyds) S.A.R - (Subject Access Request) 30.10.06 - Dropped as Lloyds liable

RBS Visa S.A.R - (Subject Access Request) 30.10.06 - received and holding on as own bank

RBS Bank S.A.R - (Subject Access Request) 30.10.06 (recieved waiting to open new A/c 1st)

 

Lloyds TSB - County Summons issued for non compliance & Damages - 20.12.06 Penrith County Court £80.00

 

Lowell Financial Ltd - County Summons issued for non compliance & Damages - 20.12.06 Penrith County Court £80.00

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excellent!

 

i am also after them as i have 4 defaults for 1 account, 2 from Lowell Portfolio who own the debt and 2 from Lowell Financial who manage it.

 

i want maximum compensation and removal of all defaults. I'll probably see them in court i think as i don't want them getting away with it.

 

they are also now over the time limit for CCA request.

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have changed the list slightly as referred to the correct sections :

 

Section 2 (f) – Lowell Financial Ltd have failed to comply with my request under Section 78(1) of the Consumer Credit Act 1974.

Section 2 (f) - Lowell Financial Ltd has failed to respond to my request regarding the entering of multiple defaults.

Section 4 (a) – Lowell Financial Ltd have continuously harassed and intimidated me into agreeing to a payment plan after threatening Court action for a debt they have failed to prove is outstanding or they have the right to pursue.

 

Section 4 (b) – Lowell Financial Ltd have sent numerous correspondence to chase this debt.

 

Section 4 ® – Lowell Financial Ltd have failed to take into consideration any of the information supplied or respond promptly and accurately with information requested.

 

Section 4 ® – Lowell Financial Ltd have failed to supply any of the information requested since xx/xx/xx

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loods good, remember the CSA Member, in this case Lowell have to repsond to the CSA regarding complaints within 14days under the CSA guidelines. So keep on top of it and get back on to the CSA if you have not had a reply within 2 weeks. The CSA advised they aim to conclude all complaints within 4 WEEKS.

 

Also read CSA compliants prodcure, now attached and push for them to proceed through the different stages as Lowell will try and delay it where possible, Mine to at Stage 2 as they have not reply to CSA regarding my complaint.

 

Fingers Crossed

Capital One - Claim filed 5.12.06 6QZ90559 £759.25 (15/12/06 not aknowledged yet)

MBNA - Claim filed 5.12.06 6QZ90575 £764.45 (Aknowledged 7.12.06)

Barclaycard - S.A.R - (Subject Access Request) 30.10.06 (County Summons issued for non compliance & Damages - 20.12.06 Penrith County Court £80.00

Goldfish (Lloyds) S.A.R - (Subject Access Request) 30.10.06 - Dropped as Lloyds liable

RBS Visa S.A.R - (Subject Access Request) 30.10.06 - received and holding on as own bank

RBS Bank S.A.R - (Subject Access Request) 30.10.06 (recieved waiting to open new A/c 1st)

 

Lloyds TSB - County Summons issued for non compliance & Damages - 20.12.06 Penrith County Court £80.00

 

Lowell Financial Ltd - County Summons issued for non compliance & Damages - 20.12.06 Penrith County Court £80.00

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  • 2 months later...

Hi tifo

 

did you have any joy with your letters to ICO and CSA? a while ago I too found the Code of Practice (from Lowells website!) and have downloaded a copy.

 

I have CCA'd them, the 12 days has passed and they sent me a photocopy of a fax of a photocopy of my application form, and I am just waiting for the 30 days to pass before I do anything else, but I would be very interested to hear how your letter went down with the CSA as I want to complain about Lowell to them.

 

Here is my thread, which really seems to be following the same route as everyone else's dealings with Lowell.

 

Help needed re Lowell Financial & CCA

 

regards

 

maggieboo:)

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hi maggieboo,

 

no, i have had absolutely no luck with the ICO, CSA and TS. For me, they have been a total waste of time. Not even a reply to my complaint after 3 months now.

 

If you look at my thread on Lowell, any progress i have made has only been through talking with the Director.

 

But, i have had 2 accounts written off and a promise of defaults being cleared. I am still talking to them regarding compensation.

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  • 3 years later...

Dont know if any one can help me, but ive just checked my credit report to find i have a default on an account i have been disputing, they called me one morning about 3 months ago and i disputed the aco**** said that i wanted all infromation and they havent sent anything to me, they said they would and i confimed all my detials to them. What should i do? please could some one help?

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  • 2 years later...

Hi, my wife has started to get letters regarding an old bank account with lloyds. They have never made any contact before and the amount is nominal. They are threatening to apply for an enforcement on our home. Can they still do this if the mortgage is in joint names with her father?

 

I was wondering if there are any suggestions that can be made with where to start with these cretins?

 

Many thanks

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