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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.
    • 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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      The judge's reasoning is very useful and will certainly be helpful in any other cases relating to third-party rights where the customer has contracted with the courier company by using a broker.
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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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