Jump to content


  • Tweets

  • Posts

    • the Town and Country [advertisments ] Regulations 2007 are not easy to understand. Most Council planing officials don't so it's good that you found one who knows. Although he may not have been right if the rogues have not been "controlling" in the car park for that long. The time only starts when the ANPR signs go up, not how long the area has been used as a car park.   Sadly I have checked Highview out and they have been there since at least 2014 . I have looked at the BPA Code of Practice version 8 which covers 2023 and that states Re Consideration and Grace Periods 13.3 Where a parking location is one where a limited period of parking is permitted, or where drivers contract to park for a defined period and pay for that service in advance (Pay & Display), this would be considered as a parking event and a Grace Period of at least 10 minutes must be added to the end of a parking event before you issue a PCN. It then goes on to explain a bit more further down 13.5 You must tell us the specific consideration/grace period at a site if our compliance team or our agents ask what it is. 13.6 Neither a consideration period or a grace period are periods of free parking and there is no requirement for you to offer an additional allowance on top of a consideration or grace period. _________________________________________________________________________________________________________________So you have  now only overstayed 5 minutes maximum since BPA quote a minimum of 10 minutes. And it may be that the Riverside does have a longer period perhaps because of the size of the car park? So it becomes even more incumbent on you to remember where the extra 5 minutes could be.  Were you travelling as a family with children or a disabled person where getting them in and out of the car would take longer. Was there difficulty finding a space, or having to queue to get out of the car park . Or anything else that could account for another 5 minutes  without having to claim the difference between the ANPR times and the actual times.
    • Regarding a driver, that HAS paid for parking but input an incorrect Vehicle Registration Number.   This is an easy mistake to make, especially if a driver has access to more than one vehicle. First of all, upon receiving an NTK/PCN it is important to check that the Notice fully complies with PoFA 2012 Schedule 4 before deciding how to respond of course. The general advice is NOT to appeal to the Private Parking Company as, for example, you may identify yourself as driver and in certain circumstances that could harm your defence at a later stage. However, after following a recent thread on this subject, I have come to the conclusion that, in the case of inputting an incorrect Vehicle Registration Number, which is covered by “de minimis” it may actually HARM your defence at a later stage if you have not appealed to the PPC at the first appeal stage and explained that you DID pay for parking and CAN provide proof of parking, it was just that an incorrect VRN was input in error. Now, we all know that the BPA Code of Practice are guidelines from one bunch of charlatans for another bunch of charlatans to follow, but my thoughts are that there could be problems in court if a judge decides that a motorist has not followed these guidelines and has not made an appeal at the first appeal stage, therefore attempting to resolve the situation before it reaches court. From BPA Code of Practice: Section 17:  Keying Errors B) Major Keying Errors Examples of a major keying error could include: • Motorist entered their spouse’s car registration • Motorist entered something completely unrelated to their registration • Motorist made multiple keying errors (beyond one character being entered incorrectly) • Motorist has only entered a small part of their VRM, for example the first three digits In these instances we would expect that such errors are dealt with appropriately at the first appeal stage, especially if it can be proven that the motorist has paid for the parking event or that the motorist attempted to enter their VRM or were a legitimate user of the car park (eg a hospital patient or a patron of a restaurant). It is appreciated that in issuing a PCN in these instances, the operator will have incurred charges including but not limited to the DVLA fee and other processing costs therefore we believe that it is reasonable to seek to recover some of these costs by making a modest charge to the motorist of no more than £20 for a 14-day period from when the keying error was identified before reverting to the charge amount at the point of appeal. Now, we know that the "modest charge" is unenforceable in law, however, it would be up to the individual if they wanted to pay and make the problem go away or in fact if they wanted to contest the issue in court. If the motorist DOES appeal to the PPC explaining the error and the PPC rejects the appeal and the appeal fails, the motorist can use that in his favour at court.   Defence: "I entered the wrong VRN by mistake Judge, I explained this and I also submitted proof of payment for the relevant parking period in my appeal but the PPC wouldn't accept that"   If the motorist DOES NOT appeal to the PPC in the first instance the judge may well use that as a reason to dismiss the case in the claimant's favour because they may decide that they had the opportunity to resolve the matter at a much earlier stage in the proceedings. It is my humble opinion that a motorist, having paid and having proof of payment but entering the wrong VRN, should make an appeal at the first appeal stage in order to prevent problems at a later stage. In this instance, I think there is nothing to be gained by concealing the identity of the driver, especially if at a later stage, perhaps in court, it is said: “I (the driver) entered the wrong VRN.” Whether you agree or not, it is up to the individual to decide …. but worth thinking about. Any feedback, especially if you can prove to the contrary, gratefully received.
    • Women-only co-working spaces are part of the new hybrid working landscape, but they divide opinion.View the full article
    • The music streaming service reports record profits of over €1bn (£860m) after laying off 1500 staff.View the full article
    • deed?  you mean consent order you and her signed? concluding the case as long as you nor she break it's conditions signed upto? dx  
  • Recommended Topics

  • Our picks

    • If you are buying a used car – you need to read this survival guide.
      • 1 reply
    • Hello,

      On 15/1/24 booked appointment with Big Motoring World (BMW) to view a mini on 17/1/24 at 8pm at their Enfield dealership.  

      Car was dirty and test drive was two circuits of roundabout on entry to the showroom.  Was p/x my car and rushed by sales exec and a manager into buying the mini and a 3yr warranty that night, sale all wrapped up by 10pm.  They strongly advised me taking warranty out on car that age (2017) and confirmed it was honoured at over 500 UK registered garages.

      The next day, 18/1/24 noticed amber engine warning light on dashboard , immediately phoned BMW aftercare team to ask for it to be investigated asap at nearest garage to me. After 15 mins on hold was told only their 5 service centres across the UK can deal with car issues with earliest date for inspection in March ! Said I’m not happy with that given what sales team advised or driving car. Told an amber warning light only advisory so to drive with caution and call back when light goes red.

      I’m not happy to do this, drive the car or with the after care experience (a sign of further stresses to come) so want a refund and to return the car asap.

      Please can you advise what I need to do today to get this done. 
       

      Many thanks 
      • 81 replies
    • Housing Association property flooding. https://www.consumeractiongroup.co.uk/topic/438641-housing-association-property-flooding/&do=findComment&comment=5124299
      • 161 replies
    • We have finally managed to obtain the transcript of this case.

      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.
      This is generally speaking the problem with using PackLink who are domiciled in Spain and very conveniently out of reach of the British justice system.

      Frankly I don't think that is any accident.

      One of the points that the judge made was that the customers contract with the broker specifically refers to the courier – and it is clear that the courier knows that they are acting for a third party. There is no need to name the third party. They just have to be recognisably part of a class of person – such as a sender or a recipient of the parcel.

      Please note that a recent case against UPS failed on exactly the same issue with the judge held that the Contracts (Rights of Third Parties) Act 1999 did not apply.

      We will be getting that transcript very soon. We will look at it and we will understand how the judge made such catastrophic mistakes. It was a very poor judgement.
      We will be recommending that people do include this adverse judgement in their bundle so that when they go to county court the judge will see both sides and see the arguments against this adverse judgement.
      Also, we will be to demonstrate to the judge that we are fair-minded and that we don't mind bringing everything to the attention of the judge even if it is against our own interests.
      This is good ethical practice.

      It would be very nice if the parcel delivery companies – including EVRi – practised this kind of thing as well.

       

      OT APPROVED, 365MC637, FAROOQ, EVRi, 12.07.23 (BRENT) - J v4.pdf
        • Like

Lowells/? claim form - OH's old Vanquis card 'debt'***Settled by Tomlin Order***


Myfamily
style="text-align: center;">  

Thread Locked

because no one has posted on it for the last 2136 days.

If you need to add something to this thread then

 

Please click the "Report " link

 

at the bottom of one of the posts.

 

If you want to post a new story then

Please

Start your own new thread

That way you will attract more attention to your story and get more visitors and more help 

 

Thanks

Recommended Posts

Got a claim the other day for my husband, is a vanquis card he had, sold to Lowells who have been writing and we've ignored.

 

Want to admit all and set up payment arrangement. can i do this and avoid a CCJ

 

I have already e-mailed Lowells and asked to make an arrangement, what do you think?

Link to post
Share on other sites

  • Replies 131
  • Created
  • Last Reply

Top Posters In This Topic

Top Posters In This Topic

Thread moved to Financial Legal Issues.

 

If you would read the following link and copy and paste your responses back here for further advice on how to proceed.

 

http://www.consumeractiongroup.co.uk/forum/showthread.php?419198-You-have-received-a-Claim-What-you-need-to-do.-**UPDATED-December-2014**(2-Viewing)-nbsp

 

Regards

 

Andy

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 OTHER

 

Have we helped you ...?         Please Donate button to the Consumer Action Group - The National Consumer Service

If you want advice on your Topic please PM me a link to your thread

Link to post
Share on other sites

Hope this is ok Andy

 

 

Name of the Claimant ? LOWELL PORTFOLIO I LIMITED

 

Date of issue – . - 21/07/2016

 

 

What is the claim for – the reason they have issued the claim? Please type out their particulars of claim (verbatim) less any identifiable data and round the amounts up/down. -

 

1) The defendant entered into a consumer credit act 1974 regulated agreement with vanquis under account ref **************** (the agreement)

2) the defendant failed to maintian the require payments and a default notice was served and not complied with.

3) the agreement was later assigned to the claimant on 4 / 09/2014 and notice gievn to the defendant.

4) despite repeated requests for payemtnthe sum of £678.73 remains due and outstanding and the claimant claims

a) the said sum of £678.73

b) interest pusuant to s69 county courts act 1984 at the rate of 8% per annum from the date of assignment to the date of issue, accruing at a daily rate of £0.149, but limited to one year, being £54.30

c) costs.

What is the value of the claim? - amount claimed is 733.03 plus court fee 60.00 and legal rep costs 70.00 - total = 863.03

 

Is the claim for a current account (Overdraft) or credit/loan account or mobile phone account? credit card account

 

When did you enter into the original agreement before or after 2007? after 2007

 

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. debt purchaser

 

Were you aware the account had been assigned – did you receive a Notice of Assignment? yes was aware and did receive notice of assignment.

 

Did you receive a Default Notice from the original creditor? yes

 

Have you been receiving statutory notices headed “Notice of Default sums” – at least once a year ? yes

 

Why did you cease payments? - just could not afford payments and buried head! :-(

 

What was the date of your last payment? not sure exactly.

 

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

Link to post
Share on other sites

Have you ever sent Lowell a CCA request

Any advice i give is my own and is based solely on personal experience. If in any doubt about a situation , please contact a certified legal representative or debt counsellor..

 

 

If my advice helps you, click the star icon at the bottom of my post and feel free to say thanks

:D

Link to post
Share on other sites

No, but I even have the agreement somewhere - I don't think there's any way that they don't have it.

 

But have you ever requested it from Lowlifes? Its irrelevant if Vanish have previously complied.

 

Andy

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 OTHER

 

Have we helped you ...?         Please Donate button to the Consumer Action Group - The National Consumer Service

If you want advice on your Topic please PM me a link to your thread

Link to post
Share on other sites

No I haven't but to be honest I really dont want this to go to court, It's in my husbands name but it's my fault it's got this far. I really just don't want him to find out, so i'd rather admit the debtand pay it off

Link to post
Share on other sites

Only way to possibly avoid a CCJ is to defend it...any offers is an admittance and an automatic Judgment..unless you pay it all off within the stated timeframe

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 OTHER

 

Have we helped you ...?         Please Donate button to the Consumer Action Group - The National Consumer Service

If you want advice on your Topic please PM me a link to your thread

Link to post
Share on other sites

But I thought If I go direct to Lowells and admit and send the n9a it might avoid the ccj?

 

Only if you admit all the debt and pay the full amount claimed...and costs

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 OTHER

 

Have we helped you ...?         Please Donate button to the Consumer Action Group - The National Consumer Service

If you want advice on your Topic please PM me a link to your thread

Link to post
Share on other sites

Afraid not ...payment in full or defend all ...unless you can talk them into considering a Tomlin Order offering a payment arrangement and they stay the claim (NO CCJ)

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 OTHER

 

Have we helped you ...?         Please Donate button to the Consumer Action Group - The National Consumer Service

If you want advice on your Topic please PM me a link to your thread

Link to post
Share on other sites

No I haven't but to be honest I really dont want this to go to court, It's in my husbands name but it's my fault it's got this far. I really just don't want him to find out, so i'd rather admit the debtand pay it off

 

As Andy has already replied

, you will automatically get a CCJ unless you defend this.

 

As I have seen many times,

they are hoping to intimidate borrowers and obtain judgement in default

 

. I hear what you say about your husband finding out,

but you really have nothing to lose Myfamily now that proceedings have been issued.

 

You will strengthen your bargaining position if you log into MCOL

and tick the defend all box.

Also send off a CCA request asap.

 

Lowells will no doubt have purchased this debt for x pence in the pound. Hence, you may find them willing to offer you a significantly reduced sum to settle.

But please, please, do enter your intention to defend. You can always negotiate a settlement at a later date, without the need for this to go to court. The sum is so small, that Lowells will not want to spend hundreds of pounds on legal fees that they will not recover.

Use this to your advantage but you must defend to have any hope of avoiding a CCJ.

If you feel I've helped then by all means click my star to the left...a simple "thank you" costs nothing! ;)

 

Restons MBNA -v- WelshMam

 

MBNA Cards

 

CitiCard

M&S and More

Link to post
Share on other sites

No harm in defending all

And get a CCA request running to Lowell's

And a CPR 31:14 running to the sols

 

We can sort out a Tomlin or whatever later if it gets sticky

 

Please don't fold

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

ok, if I go online and defend all, do I need to write a defence now?

 

what would be my defence??

 

and what about the e-mail i've already sent to Lowells

 

, can that be used against me now?

Link to post
Share on other sites

No my family you don't need the defence yet.

 

Just log onto mcol click acknowledgment,

defend all

, leave jurisdiction unchecked

go to the end of that, then log out

 

. these guys on here will point you in the right direction for a defence.

 

you do need to get a cca request in tho asap

 

Also I might be wrong as I'm pretty new but I think if you defend and get as far as mediation, you can agree a payment plan there if you wish and not receive a ccj, but I'm not sure on that.

Link to post
Share on other sites

Get post 14 done

 

Defence is weeks away yet

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

wel I got a reply to my e-mail.

 

"We are unable to accept any offers of repayment as a claim form was issued to you on 21 July 2016, you should read this fully and reply to the claim.

 

If you are admitting the debt in full and wish to pay by instalments, our team are available to complete the admission form response with you over the telephone if you prefer. They can be contacted by calling the below telephone number. Please ensure you have details of income and outgoings to hand when calling. If you are completing any other from in response to the claim, this should be sent directly to the Court as directed on the claim form.

 

If you don’t respond to us within 14 days we may enter a County Court Judgment by default against you which would mean further costs and could make it difficult for you to obtain credit, mortgages or even some employment while it remains unsatisfied on your credit file for a maximum of 6 years.

 

To avoid a County Court Judgment the balance must be paid in full within 14 days of the claim being issued, or paid by instalments over 6 months."

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

 

I didn't get a chance to do the cca over the weekend so gonna go do it now and post later. will go onto the MCOL and defend now.

 

:-(

Link to post
Share on other sites

good have you ack'd the claim 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... 

Link to post
Share on other sites

Shamrocker- yes you're totally right - I had a panic because I knew I was wrong and fired off an e-mail without thinking!

 

sending the cca and cpr today

 

There's no need to panic. Just follow the process stage by stage and there'll be opportunities to negotiate on the total amount to be paid and also the way it's paid. The first part is to request documented proof of the debt they're claiming - i.e. CCA & CPR requests. This will also make them work and they'll be well aware that more work means more cost and less profit. Therefore, you're preparing the groundwork for future negotiation...assuming you can't realistically challenge the full claim.

 

As DX says, make sure you acknowledge the claim without delay. You can quite easily do this online.

Link to post
Share on other sites

ok, I'm really panicking now - I can't get logged into the website to defend - I registered the other day and tried to log in again today and it won't let me, so i tried to re-set my password, still didn't let me in. so tried to re-register, I get to the repond to a claim page and put in the claim details and it says my claim number or password is incorrect!! What am i supposed to do?!! :-(

 

ok I've finally managed to log in, do i contest jurisdiction? don't know what this means?

Link to post
Share on other sites

read post 16

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

  • Recently Browsing   0 Caggers

    • No registered users viewing this page.

  • Have we helped you ...?


×
×
  • Create New...