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    • ive already CAREFULLY explained how it all works earlier. what you will have to pay is already preset and detailed on the court forms/TfL stuff you already have. you wont be asked any questions upon your financial means etc. thats not under debate . you wont be asked upon any mitigating circumstances, you have pleaded guity which you always SHOULD.  the ONLY 2 reasons you are attending is to: 1) after finding the TfL prosecutor... plead directly face to face before you go in to try and get an OOC (you can bring up or say anything/everything you like ...anything that might get them to agree) 2) if 1 fails...show your genuine remorse face to face to the magistrate, BRIEFLY mention how a criminal record would hinder your future then hope they take pity on you and dont also record this on your file.  PS its only declarable/shows there for one year anyway. regardless to what an employer might ask in job questionnaires past 1yrs you forget about it. they cannot see it even on enhanced DBS etc etc. you should not latterly ever appeal a criminal record for this type (1yrs)  of 'offence' its not worth it and if you lose said appeal it will cost your dear in terms of additional wages grabbing and court fees. and extends the time it shows if you lose too. dx  
    • hit letter of claim follow post 2 despite repeated requests, the claimant has failed to produce any enforceable paperwork.
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    • Ye thats fine. They should come back before the date of your defence BUT   IN ANY CASE YOU MUST FILE YOUR DEFENCE. DO NOT AWAIT THE PAPERWORK PAST YOUR FILING DATE.
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Lowell chasing creation car insurance finance debt


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I noticed your problem with Lowell we have a similar problem which can out of the blue approx 3 weeks ago.

 

We received a letter from Lowell out of the blue saying we owed an amount regarding a outstanding balance on some car insurance we cancelled over 4 years ago.

 

We have never had a letter asking for payment from the insurance company concerned.

 

After finally tracking it down the Insurance said the amount is outstanding but not to them but to creation finance but to get a letter after 4 1/2 years seems strange to them.

 

My husband rang Lowell asking for more information and the guy was not very helpful just said are you paying the amount today. My husband replied no not till I find out what it is in connection with as I dont know if the amount is outstanding.

 

Can Lowell take this claim any further or are we ok to ignore them. we have never received a letter from Creation asking for the amount. The letter also came to our new address not the old one where the policy was connected with.

 

Any advise is welcome

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You need to start a new thread of your own

And never talk to a dca

They are not bailiff s

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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We received a letter from Lowell out of the blue saying we owed an amount regarding a outstanding balance on some car insurance we cancelled over 4 years ago at our old address.

 

We have never had a letter asking for payment from the insurance company concerned.

 

After finally tracking it down the Insurance Company said the amount is outstanding but not to them but to creation finance but to get a letter after 4 1/2 years seems strange to them. They no longer deal with creations and the insurance company are not chasing the amount.

 

We spoke to creation who past us to Lowell

 

My husband rang Lowell asking for more information and the guy was not very helpful just said are you paying the amount today. My husband replied no not till I find out what it is in connection with as I dont know if the amount is outstanding.

 

Can Lowell take this claim any further or are we ok to ignore them. we have never received a letter from Creation asking for the amount. The letter also came to our new address not the old one where the policy was connected with.

 

Any advise is welcome

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Firstly

Stay off the phone

Lowell's are a dca

They are not bailiffs

And have no such legal powers

 

Creation must have financed the monthly payment scheme?

 

Is their anything on his credit file?

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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Right so there was a policy and it was paid via 12mts scheme financed by creation?

When was this?

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

Yes will had a policy in may 2012 cancelled it in july 2012 2 payments debited our account by direct debit.

 

The direct debt mandate was live on our account for a further 8 months with out any \mounts being claimed.

 

September 2016 we receive a letter from lowell saying they had bought the debt and to contact them to pay.

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if you cancelled the insurance policy have you proof?

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 insurance company said there was a fee for cancelling the policy but it was payable to creation finance not the insurance company.

 

The insurance company have never chased the amount and neither have the finance company just this debt collecting agency nearly 5 years later.

 

A little puzzling

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have you moved since then?

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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Hi

 

Yes we have moved but the property is currently being rented out so any odd bits of post is passed onto us.

 

The letter from Lowell came to our new address nothing had been sent to the odd address.

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Suggest you write back to Lowell stating that neither the Insurance company or creation finance ever wrote to you about this alleged debt and therefore you are unable to consider the matter further. Ask them to furnish you with copies of Creation Finances correspondence regarding this and a copy of the terms and conditions of any agreement held with Creation Finance. Get proof of posting, if not sent recorded, as Lowell have been known to lose post.

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Ignore now rather than more letter tennis

 

If they are stupid enough to issue a claim form

Pop back here

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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