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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. Let's hope other judges are not quite so narrow minded and don't get fixated on one particular issue as FTMDave alluded to.
    • 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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Lowell claimform - - Aqua Credit Card Debt***Claim Discontinued***


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Hello;

 

I have received a claim form from Northampton from Lowell RE: an old AQUA debt.

 

Genuinely after stop paying them a while ago due to unemployment I have not had any correspondence from from a while until I received the claim form.

 

I will read on here about similar cases but wanted to know where I stand what I could do going forward?

 

Any help will be much appreciated.

 

Thanks

 

T

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Please tell us more about the debt.

 

Also, send off for a CCA immediately.

 

Acknowledge the claim with intention to defend and that will give you an extension to 28 days from the date of service.

 

Meanwhile, please fill this out

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go on to MCOL and acknowledge N1 form and tick defend all, is your 1st step - then send off CCA1974 Request to Lowells Recorded delivery,

 

send CPR 41.14 free of charge to acting solicitors asking for documents mentioned in the N1 court summons Recorded delivery

 

DK or Andy / Bankfodder will advise also no doubt.

:mad2::-x:jaw::sad:
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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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Thanks for the help so far, I have answered the questions below;

 

Name of the Claimant ? Lowell Portfolio Ltd

 

Date of issue – : 12th April 2017

 

Date to submit defence - 12th May 2017

 

What is the claim for – the reason they have issued the claim?

 

1) The defendant entered into a consumer creditlink3.gif act 1974 regulated agreement with Newday Ltd Aqua under the account reference xxxxxx ('the Agreement)

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

3) The agreement was later assigned to the claimant on 21/7/16 and notice given to defendant

4( Despite repeated requests for payment the sum of £1095 remains due and outstanding and the claimant claims

a)the said some of £1095

b)interest pursuant to s69 county courts act 1984 at the rate of 8% per annum from the date of issue accusing at a daily rate of £0.240, but limited to one year, being £63.36

c)costs

 

What is the value of the claim? £1095

 

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? Not sure most likely to be after 2007 (will try and find out)

 

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. Assigned to Lowell

Were you aware the account had been assigned – did you receive a Notice of Assignment? No

 

Did you receive a Default Notice from the original creditor? Not my knowledge

 

Have you been receiving statutory notices headed “Notice of Default sums” – at least once a year ? No

 

Why did you cease payments? Loss of job, financial difficulties

What was the date of your last payment? Not sure

 

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 communications with them until now

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please note your correct date for defence filing.

 

 

is that exactly the wording of the particulars of claim?

not one I recognise for lowells..who is the sols?

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

Lowells Solicitors, heres Exact wording

 

1) The defendant entered into a consumer credit act 1974 regulated agreement with Newday Ltd Aquaunder the account reference xxxxxx ('the Agreement)

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

3) The agreement was later assigned to the claimant on 21/7/16 and notice given to defendant

4( Despite repeated requests for payment the sum of £1095 remains due and outstanding and the claimant claims

a)the said some of £1095

b)interest pursuant to s69 county courts act 1984 at the rate of 8% per annum from the date of issue accusing at a daily rate of £0.240, but limited to one year, being £63.36

c)costs

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thank you

its extremely IMPORTANT poc's are typed out in full verbatim

its what your defence has to answer 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... 

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can you pop and get your credit file

and see if that tell you takeout date

and last payment date

noddle/clearscore/Experian are all free 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... 

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Share on other sites

but you've obv paid within the last 6yrs?

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

pop up on the MCOL website detailed on the claimform.

.

register as an individual

note the long gateway number given

then log in

.

select respond to a claim and select the AOS box.

.

then using the details required from the claimform

.

defend all

leave jurisdiction unticked.

click thru to the end

confirm and exit MCOL.

.

get a CCA Request running to the claimant

leave the £1PO blank and uncrossed

.

get a CPR 31:14 request running to the solicitors

.

don't sign anything

.

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... 

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Share on other sites

read my post eh?

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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now start researching

use the search CAG box of the top redtoolbar

 

 

Lowell claimform card

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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  • 3 weeks later...

Hello,

 

Had a couple of letters back from Lowell saying they received my letter and while they obtain the requests my claim will be on hold. Should I do anything until then?

 

Thanks

 

T

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not on hold thr court process continues not what lowells say they are trying to fool you and get to the next stage by your default - follow court letters request ignore lowells on hold no such thing at this stage.

:mad2::-x:jaw::sad:
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no you post it up here first!!

 

 

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... 

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Share on other sites

Thanks.. I have attached what I received from LOWELL. Will write out defence by searching here and based on non receipt of CCA and CPR (so far). Last day to file defence is 15/5/27 (as claim issues on 12/4/17). Will post once I have written it.

 

Thanks again.

docs1.pdf

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file working day before due to stop other side trashing any defence before the date of submission. by the way left all your details on it redact it, your account is not on hold the court can only do that follow court proceedure not what lowells hope you slip up

:mad2::-x:jaw::sad:
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Thanks.. I have attached what I received from LOWELL. Will write out defence by searching here and based on non receipt of CCA and CPR (so far). Last day to file defence is 15/5/27 (as claim issues on 12/4/17). Will post once I have written it.

 

Thanks again.

 

No your def is due Friday see post 6!!!

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

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