Jump to content


  • Tweets

  • Posts

    • Hi LFI, Your knowledge in this area is greater than I could possibly hope to have and as such I appreciate your feedback. 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. Can a PPC (claimant) 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.   
    • S13 (2)The creditor may not exercise the right under paragraph 4 to recover from the keeper any unpaid parking charges specified in the notice to keeper if, within the period of 28 days beginning with the day after that on which that notice was given, the creditor is given— (a)a statement signed by or on behalf of the vehicle-hire firm to the effect that at the material time the vehicle was hired to a named person under a hire agreement; (b)a copy of the hire agreement; and (c)a copy of a statement of liability signed by the hirer under that hire agreement. As  Arval has complied with the above they cannot be pursued by EC----- ------------------------------------------------------------------------------------------------------------------------------------------------------------------- S14 [1]   the creditor may recover those charges (so far as they remain unpaid) from the hirer. (2)The conditions are that— (a)the creditor has within the relevant period given the hirer a notice in accordance with sub-paragraph (5) (a “notice to hirer”), together with a copy of the documents mentioned in paragraph 13(2) and the notice to keeper; (b)a period of 21 days beginning with the day on which the notice to hirer was given has elapsed;  As ECP did not send copies of the documents to your company and they have given 28 days instead of 21 days they have failed to comply with  the Act so you and your Company are absolved from paying. That is not to say that they won't continue asking to be paid as they do not have the faintest idea how PoFA works. 
    • Euro have got a lot wrong and have failed to comply with the Protection of Freedoms Act 2012 Schedule 4.  According to Section 13 after ECP have written to Arval they should then send a NTH to the Hirer  which they have done.This eliminates Arval from any further pursuit by ECP. When they wrote to your company they should have sent copies of everything that they asked Arval for. This is to prove that your company agree what happened on the day of the breach. If ECP then comply with the Act they are allowed to pursue the hirer. If they fail, to comply they cannot make the hirer pay. They can pursue until they are blue in the face but the Hirer is not lawfully required to pay them and if it went to Court ECP would lose. Your company could say who was driving but the only person that can be pursued is the Hirer, there does not appear to be an extension for a driver to be pursued. Even if there was, because ECP have failed miserably to comply with the Act  they still have no chance of winning in Court. Here are the relevant Hire sections from the Act below.
    • Thank-you FTMDave for your feedback. May I take this opportunity to say that after reading numerous threads to which you are a contributor, I have great admiration for you. You really do go above and beyond in your efforts to help other people. The time you put in to help, in particular with witness statements is incredible. I am also impressed by the way in which you will defer to others with more experience should there be a particular point that you are not 100% clear on and return with answers or advice that you have sought. I wish I had the ability to help others as you do. There is another forum expert that I must also thank for his time and patience answering my questions and allowing me to come to a “penny drops” moment on one particular issue. I believe he has helped me immensely to understand and to strengthen my own case. I shall not mention who it is here at the moment just in case he would rather I didn't but I greatly appreciate the time he took working through that issue with me. I spent 20+ years of working in an industry that rules and regulations had to be strictly adhered to, indeed, exams had to be taken in order that one had to become qualified in those rules and regulations in order to carry out the duties of the post. In a way, such things as PoFA 2012 are rules and regulations that are not completely alien to me. It has been very enjoyable for me to learn these regulations and the law surrounding them. I wish I had found this forum years ago. I admit that perhaps I had been too keen to express my opinions given that I am still in the learning process. After a suitable period in this industry I became Qualified to teach the rules and regulations and I always said to those I taught that there is no such thing as a stupid question. If opinions, theories and observations are put forward, discussion can take place and as long as the result is that the student is able to clearly see where they went wrong and got to that moment where the penny drops then that is a valuable learning experience. No matter how experienced one is, there is always something to learn and if I did not know the answer to a question, I would say, I don't know the answer to that question but I will go and find out what the answer is. In any posts I have made, I have stated, “unless I am wrong” or “as far as I can see” awaiting a response telling me what I got wrong, if it was wrong. If I am wrong I am only too happy to admit it and take it as a valuable learning experience. I take the point that perhaps I should not post on other peoples threads and I shall refrain from doing so going forward. 🤐 As alluded to, circumstances can change, FTMDave made the following point that it had been boasted that no Caggers, over two years, who had sent a PPC the wrong registration snotty letter, had even been taken to court, let alone lost a court hearing .... but now they have. I too used the word "seemed" because it is true, we haven't had all the details. After perusing this forum I believe certain advice changed here after the Beavis case, I could be wrong but that is what I seem to remember reading. Could it be that after winning the above case in question, a claimant could refer back to this case and claim that a defendant had not made use of the appeal process, therefore allowing the claimant to win? Again, in this instance only, I do not know what is to be gained by not making an appeal or concealing the identity of the driver, especially if it is later admitted that the defendant was the driver and was the one to input the incorrect VRN in error. So far no one has educated me as to the reason why. But, of course, when making an appeal, it should be worded carefully so that an error in the appeal process cannot be referred back to. I thought long and hard about whether or not to post here but I wanted to bring up this point for discussion. Yes, I admit I have limited knowledge, but does that mean I should have kept silent? After I posted that I moved away from this forum slightly to find other avenues to increase my knowledge. I bought a law book and am now following certain lawyers on Youtube in the hope of arming myself with enough ammunition to use in my own case. In one video titled “7 Reasons You Will LOSE Your Court Case (and how to avoid them)” by Black Belt Barrister I believe he makes my point by saying the following, and I quote: “If you ignore the complaint in the first instance and it does eventually end up in court then it's going to look bad that you didn't co-operate in the first place. The court is not going to look kindly on you simply ignoring the company and not, let's say, availing yourself of any kind of appeal opportunities, particularly if we are talking about parking charge notices and things like that.” This point makes me think that, it is not such a bizarre judgement in the end. Only in the case of having proof of payment and inputting an incorrect VRN .... could it be worthwhile making a carefully worded appeal in the first instance? .... If the appeal fails, depending on the reason, surely this could only help if it went to court? As always, any feedback gratefully received.
  • 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/lowell solicitors - claimform - old Lloyd's Credit Card 'debt'***Claim Discontinued***


Pewpew
style="text-align: center;">  

Thread Locked

because no one has posted on it for the last 2411 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

Hi again guys, been having great success so far with these debts (will try to find a link my other post which is about over a year old to give you some context)

 

So the quick back story

 

Lowell owned the debt,

bpo was acting on their behalf

sent a CCA request

bpo passed it back to lowell after not responding,

lowell have then ask their legal team (phahaha) lowell solicitors to start court proceeding,

 

rang them for abit of fun

informed them that no cca has been sent,

they have now supplied me with the request but it is unreadable

(will update this post with a picture when I can)

 

Because it is unreadable is it enforceable? It's crazy blurry you have to guess what words say

 

I am also going to start a complaint as they have passed the debt on that was in dispute (no acknowledgement of the debt what so ever)

 

In fact blurry is a bad way to describe it, you can read the larger letters but the smaller print (90% of the page) looks like it been written in a ink cartridge fountain pen on a piece of kitchen roll

 

Edit: I would rather not just ignore it as it is very close to becoming statue barred (a few months) and would rather stall them with some paper work then having to do all of the paper work for a court defence

 

I found this template on another site but I only trust this site for accurate advice what do you guys reckon?

 

Dear Sir,

 

Thank you for the reply to my letter dated XX/XX.XXXX.

 

Having taken the time to look over the documents supplied in response to my statutory request made under the Consumer Credit Act 1974, I have the following concerns

 

The document entitled “credit card agreement regulated by the Consumer Credit Act 1974” which appears to bear my signature fails to comply with the requirements of the Consumer Credit (Cancellation Notices and Copies of Documents) Regulations 1983 (SI 1983/1557). In particular section 2 of the Regulations

 

As you will be no doubt aware,

the Copy Document Regulations requires that documents are easily legible and clearly the terms of the agreement are not easily legible, infact far from it.

 

 

Many of the terms are blurred and cannot be interpreted and I am further unable to make out the prescribed terms as required by schedule 6 column 2 of the Consumer Credit (Agreements) Regulations 1983 (SI 1983/1553). After taking advice on this matter,

 

 

I am of the belief that this agreement that you have presented before me, as it stands would be unenforceable even by court order. Therefore, I require that you provide me a clearly legible copy of the agreement, where all the terms are clearly legible

 

Should you not be able to supply a clearly legible copy,

I would suggest that you give consideration to cancelling this account and reducing the balance to zero.

 

 

Of course the alternative would be to seek a declaration of my rights under Section 142(1) of the Consumer Credit Act 1974.

 

 

am advised that with the documents that you have supplied there would be an extremely good prospect of success with such a declaration, however, I am mindful of additional costs that such action could incur both on my part and on yours so I trust you will give consideration to this request

 

 

Yours Sincerely

Link to post
Share on other sites

  • Replies 65
  • Created
  • Last Reply

Top Posters In This Topic

Top Posters In This Topic

load of ole twaddle..........

 

why enter into pointless letter tennis.

 

they haven't passed it on BPO are lowells.

 

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

Ignore the fools.

 

Whilst the CCA is outstanding, no enforcement action can be taken, and even threatening it is against the FCA guidelines.

Who ever heard of someone getting a job at the Jobcentre? The unemployed are sent there as penance for their sins, not to help them find work!

 

 

Link to post
Share on other sites

  • 5 weeks later...

ADDRESS

Dear Sir/Madam

 

I DO NOT ACKNOWLEDGE THIS ALLEDGED DEBT TO YOUR COMPANY OR ANY OTHER COMPANY

 

Account number/Reference: xxxxxxxxxx

 

I am writing to you to start a formal complaint, after numerous phone calls the questions and issues I have can't be resolved over the phone due to your staff not being able to answer any questions that can't be answered with "might result in a claim being issued"

 

A quick break down of the situation, I tried to apply for credit I got rejected so I checked my credit score saw this alleged debt so I made first contact with you guys I had received no correspondence about this alleged debt that is many years old. So I asked for proof of the debt and the case is still ongoing.

 

I have 4 main issues

 

#1 Why has Lowell Portfolio I ltd asked you to act on their behalf while a CCA request was left outstanding (it had never been sent to me even your records show this) and the debt is in dispute, my understanding of failure to comply with a CCA request is from the FCA website.

 

Failure to comply with a CCA request

Failure to comply with the provisions means that the agreement becomes unenforceable while the failure to comply persists, and the courts have no discretion to allow enforcement.

 

In such cases, a firm should in no way, either by act or omission, mislead a customer as to the enforceability of the agreement.

In particular, a firm should not in such cases either threaten court action or other enforcement of the debt or imply that the debt is enforceable when it is not.

The firm should, in any request for payment or communication relating to a payment (other than a statement issued in accordance with the CCA or regulations made under it which does not constitute or contain a request for payment) in such cases, make clear to the customer that although the debt remains outstanding it is unenforceable.

 

After a phone call once this case had been handed to you, you finally sent me a credit agreement which is totally illegible. Which by this time was too late the FCA rules/regulations/guidelines had all ready been totally ignored

 

#2 Here are a few reasons I don't deem the CCA request fulfilled/sufficient

Its totally illegible none of it can be read

The name is spelt incorrectly from what I can make out

The address is illegible

The post code is illegible to the point there is only 5 characters instead of 6 from what I can make out

 

#3 After a recent phone call with yourselves one of your phone operators informed me you wasn't regulated by the FCA but the "RSA", as you are acting on behalf of Lowell Portfolio I ltd I would assume all the FCA rules/regulations/guidelines would apply. I decided to take look at the SRA website and after looking at the "principles" from the SRA website, one of the principles is Honesty.

 

I believe you have actually acted dishonestly with the information above you still have threatened with possible "claim being issued" even though you have failed to comply with a CCA request, also I quote from the letter dated XXXXX that was sent to myself and you have said in writing "The agreement provided clearly states your details and signature, and is therefore a sufficient copy agreement" as the reasons above this clearly not the case.

 

#4 Also you are not following the CSA code of practice as it states:

Communicate with customers fairly and transparently, and not intentionally mislead them

Treat customers fairly and not subject customers (or their authorised representatives) to aggressive practices, or conduct which is deceitful, oppressive, unfair or improper, whether lawful or not

 

You are trying to use lack of knowledge to bully by the means of aggressively demanding money with misleading information and threatening with court/claims being issued

 

I do fully understand both the FCA and SRA allow up to 8 weeks to resolve the issues, I look forward to being kept up to date with the complaint and your final response within this timeframe.

 

This letter was sent via recorded delivery

 

Yours faithfully

ME

 

I do not wish to hand sign this letter and I am not legally obliged to. (stop them sending it back telling me to sign it)

 

CCA – Consumer Credit Act

FCA - Financial Conduct Authority

SRA - Solicitors Regulation Authority

CSA - Credit Services Association

 

It looks alittle more fancy in word the copy and paste has removed the bullet points/bold writing etc

 

So what do you guys think? I really want to start a formal complaint these lowlifes shouldn't be getting away with what they do!

Link to post
Share on other sites

Wouldn't bother

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

Agree with DX, complete waste of ink, as long as there is an outstanding CCA request theres little they can do.

If it does get passed on to another lowlife, send them a CCA request which you already know they cant provide.

 

Then just get on with life until someone tries to make a court claim.

PLEASE HELP US TO KEEP THIS SITE RUNNING

EVERY POUND DONATED WILL HELP US TO KEEP HELPING OTHERS

Click Here To Make A Donation

I am not legally trained or qualified, any advice i offer is gleaned from experience and general knowledge, if you are still unsure after receiving advice please seek legal advice.

Link to post
Share on other sites

that happened with my idem account

they sold it on to cabot,

just put a complaint in on the phone with cabot

and the account is now on hold has been for about 3 months

 

The thing is i know i will win in a court,

but i don't want it to go to court

i would rather just keep stalling them or get them to make a "corporate decision not to chase the debt"

 

 

i know someone personally that kept the pressure on, and the DCA wrote the debt completely off

Link to post
Share on other sites

Waste of ink, time and money.....not only will they NOT read it, they'll simply mark your file as 'mug awaits fleecing' and will continue sending you utter rubbish knowing that you will respond.

 

You CAN ignore them, they are petty powerless debt collectors.

Who ever heard of someone getting a job at the Jobcentre? The unemployed are sent there as penance for their sins, not to help them find work!

 

 

Link to post
Share on other sites

  • 1 month later...

In order for us to help you we require the following information:-

 

Name of the Claimant ? Lowell solicitors limited

 

Date of issue – 28th feb 2017

Date to acknowledge) = 18.03.2017

date to defence = by 4pm Friday 31st march

What is the claim for –

 

 

1)The defendant entered into a consumer credit act 1974 regulated agreement with Lloyds under account reference XXXXXXX

2)The defendant failed to maintain the required payments and a default notice was served and not compiled with

3)The agreement was later assigned to the claimant on 06/14 and notice was given to the defendant

4)Despite repealed requests for payment, the sum of £1000 remains due and outstanding

5)the said sum and interestes bit is here

 

What is the value of the claim? Around £1300

 

Is the claim for a current account (Overdraft)

or credit/loan account or mobile phone account? Credit card

 

When did you enter into the original agreement before or after 2007? towards the end of 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? I hadn't received any mail from them as they said "they didn't know my address"

Did you receive a Default Notice from the original creditor? Honestly it was so long ago i can't remember

 

Have you been receiving statutory notices headed “Notice of Default sums” – at least once a year ? No as above they said they didn't know my address even though its the same

 

Why did you cease payments? They said 2012

 

What was the date of your last payment? 2012 i would guess

 

Was there a dispute with the original creditor that remains unresolved? I don't know

 

Did you communicate any financial problems to the original creditor and make any attempt to enter into a debt managementicon plan? No

 

This credit agreement they have sent me is totally unreadable to the point my name is missing a letter, the post code is also missing a letter.

 

 

The thing is i can't upload the picture to show you as it would give my name and address,

i can send a private message to one of you guys with the full picture if you like

 

There is a slight delay in me receiving mail due to it being a C/O address

 

 

Whats the best plan of attack here?

do i just offer payment or do i defend it and risk a CCJ?

I'm easy which ever way but would prefer not to have a CCJ

Link to post
Share on other sites

Start off by acknowledging the claim. I'm not sure you have explained why the documents haven't been reaching you.

 

There shouldn't be any problem with you uploading the documents – but in PDF format please.

Link to post
Share on other sites

It won't let me edit the post here is the CCA request they sent me

 

 

EDIT

The original notices where not sent they said they didn't have a address for me, i contact these after years of not receiving any paper work about this debt, yet the address they are now sending paper work to is the same

zz.pdf

Edited by Pewpew
Link to post
Share on other sites

Acknowledgement and defence dates altered...date on the claim form is day 1.

 

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

two threads merged

can yo upload ALL the CCA return please not just ONE page

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

bog roll without T&C's

 

when was this sent to you

and was it as a result of that CCA request in the merged earlier thread here 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

..I tried to apply for credit I got rejected so I checked my credit score saw this alleged debt so I made first contact with you guys I had received no correspondence about this alleged debt that is many years old...
..they haven't been bothering me up until about 4 weeks ago when I made contact after looking at my credit score..
(from your other related thread)

 

hindsight i know, but if only you hadn't awakened the dog...

Link to post
Share on other sites

  • 3 weeks later...

@dx100uk I am guessing it was a result of the CCA request, they continued to hound for money told them to do one until they supply me with a legible copy that can be read instead of simply a piece of paper that has my signature on which could literally say anything.

EDIT: the CCA reply was sent in November

 

@Ford as someone suggested on one of my other threads i need to send them the CCA request so they would have a address for me or they could just file for a claim and win by default.

 

 

How do i go about filling in my defence? shall i just use the online form and fill it step by step or is there a certain type of worded letter (like a template) i need to use?

 

My 14 days from the day i acknowledged it is up very soon

Link to post
Share on other sites

defence not due till 4pm 31st

have you sent a CPR and a new CCA request since the claimform.

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

i haven't i will do them now and send them next day recorded delivery,

 

 

i have found the CPR request template http://www.consumeractiongroup.co.uk/forum/showthread.php?387484-LEGAL-CPR-31.14-Request-Request-for-information-when-a-Claim-has-been-issued

 

also do i need to still enclose a £1 postal order as i have already done that on the previous request?

 

I can no longer edit my post but i have question regarding the CPR request.

 

[Prior to the issue of proceedings I had delivered a request for the production of the agreement mentioned in the Claim Form and on which you rely.

That request was ignored][delete if no such request was delivered]

 

 

Do i keep this or delete it, i requested a CCA but they didn't fully comply with it (no T&C's and can't be read)

Link to post
Share on other sites

Keep it but edit "ignored" to "not complied with"

PLEASE HELP US TO KEEP THIS SITE RUNNING

EVERY POUND DONATED WILL HELP US TO KEEP HELPING OTHERS

Click Here To Make A Donation

I am not legally trained or qualified, any advice i offer is gleaned from experience and general knowledge, if you are still unsure after receiving advice please seek legal advice.

Link to post
Share on other sites

i haven't i will do them now and send them next day recorded delivery, i have found the CPR request template http://www.consumeractiongroup.co.uk/forum/showthread.php?387484-LEGAL-CPR-31.14-Request-Request-for-information-when-a-Claim-has-been-issued

 

also do i need to still enclose a £1 postal order as i have already done that on the previous request?

 

Dont send a further CCA request if already sent one to Lowell.

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

Pewpew, dont confuse the 2 requests, one is a CCA request for the claimant which requires the £1 and you have already sent, this one is a CPR 31:14 which goes to the solicitors and requires no fee.

PLEASE HELP US TO KEEP THIS SITE RUNNING

EVERY POUND DONATED WILL HELP US TO KEEP HELPING OTHERS

Click Here To Make A Donation

I am not legally trained or qualified, any advice i offer is gleaned from experience and general knowledge, if you are still unsure after receiving advice please seek legal advice.

Link to post
Share on other sites

Pewpew, dont confuse the 2 requests, one is a CCA request for the claimant which requires the £1 and you have already sent, this one is a CPR 31:14 which goes to the solicitors and requires no fee.

 

I miss read dx's post

 

defence not due till 4pm 31st

have you sent a CPR and a new CCA request since the claimform.

 

I thought it said send a CPR and a new CCA request

 

I have sent out the CPR request they now have it, if they don't respond before the day my defence needs to be in what do i do? I haven't even click on the defence button yet so i have no clue what it requires from me

Link to post
Share on other sites

You don't want them to reply!!!

Think about it...

 

Go read other threads....

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...