Jump to content


  • Tweets

  • Posts

    • Should this to be take into court with him or should he send something in earlier?
    • This is the other sign  parking sign 1a.pdf
    • 4 means that they need to name and then tell the people who will be affected that there has been an application made, what the application relates to (specificially "whether it relates to the exercise of the court’s jurisdiction in relation to P’s property and affairs, or P’s personal welfare, or to both) and what this application contains (i.e what order they want made as a result of it) 5 just means that teh court think it is important that the relevant people are notified 7 means that the court need more information to make the application, hence they have then made the order of paragraph 1 which requires the applicant to do more - this means the court can't make a decision with the current information, and need more, hence paragraph one of the order is for the applicant to do more. paragraph 3 of the order gives you the ability to have it set aside, although if it was made in january you are very late. Were you notiifed of the application or not?    
    • These are the photos of the signs. At the entrance there is a 7h free sign. On some bays there is a permit sign.  Also their official website is misleading as it implies all parking is free.  I can't be certain of the exact parking bay I was in that day, and there was no PCN ticket on my car and no other evidence was provided.  parking sign 2.pdf
    • Hi, In my last post I mentioned I had received an email from SS who were asking me to hand over the keys to my mother’s flat so they could pass them to the Law firm who have been appointed court of protection to access, secure and insure my mother’s property.  Feeling this, all quickly getting out of my hands I emailed ss requesting proof of this. I HAVEN’T HEARD BACK FROM SS.  Yesterday, I received an email (with attached court of protection order) from the Law Firm confirming this was correct (please see below a copy of this).  After reading the court of protection order I do have some concerns about it:   (a)   I only found out yesterday, the Law firm had been appointed by the court back in January.  Up until now, I have not received any notification regarding this.  (b)   Section 2   - States I am estranged from my mother.  This is NOT CORRECT    The only reason I stepped back from my mother was to protect myself from the guy (groomer) who had befriended her & was very aggressive towards me & because of my mother’s dementia she had become aggressive also.  I constantly tried to warned SS about this guy's manipulative behaviour towards my mother and his increasing aggressiveness towards me (as mentioned in previous posts).  Each time I was ignored.  Instead, SS encouraged his involvement with my mother – including him in her care plans and mental health assessments.   I was literally pushed out because I feared him and my mother’s increasing aggression towards me. Up until I stepped back, I had always looked after my mother and since her admission to the care home, I visit regularly.   .(c)    Sections -  4, 5 and 7  I am struggling to understand these as I don’t have a legal background.  I was wondering if there is anyone who might be able to explain what they mean.  It’s been a horrendous situation where I had to walk away from my mother at her most vulnerable because of; ss (not helping), scammer and groomer. I have no legal background, nor experience in highly manipulative people or an understanding of how the SS system operates, finding myself isolated, scared and powerless to the point I haven’t collected my personal belongings and items for my mother’s room in the care home.  Sadly, the court has only had heard one version of this story SS’s, and based their decision on that. My mother’s situation and the experience I have gone through could happen to anyone who has a vulnerable parent.    If anyone any thoughts on this much appreciated.  Thank you. ______________________________________________________  (Below is the Court of Protection Order)  COURT OF PROTECTION                                                                                                                                                                                   No xxx  MENTAL CAPACITY ACT 2005 In the matter of Name xxx ORDER Made by  Depty District Judge At xxx Made on xxx Issued on 18 January 2024  WHEREAS  1.     xxx Solicitors, Address xxx  ("Applicant”) has applied for an order under the Mental Capacity Act 2005.  2.     The Court notes (my mother) is said to be estranged from all her three children and only one, (me) has been notified.  3.     (Me) was previously appointed as Atorney for Property and Affairs for (my mother).  The Exhibity NAJ at (date) refers to (me) and all replacement Attorneys are now officially standing down.  4.     Pursuant to Rule 9.10 of the Court of Protection Rules 2017 and Practice Direction 9B the Applicant 2must seek to identify at least three persons who are likely to have an interest in being notified that an application has been issues.”  The children of (my mother), and any other appointed attorneys are likely to have an interest in the application, because of the nature of relationship to (my mother).  5.     The Court considers that the notification requirements are an important safeguard for the person in respect of whom an order is sought.  6.     The Court notes that it is said that the local authority no longer has access to (my mother’s) Property.  7.     Further information is required for the Court to determine the application.  IT IS ORDERED THAT  Within 28 days of the issue date this order, the Applicant shall file a form COP24 witness statement confirming that the other children of (my mother) and any replacement attorneys have been notified of the application and shall confirm their name, address, and date upon which those persons were notified.  If the Applicant wishes the Court to dispense with any further notification, they should file a COP9 and COP24 explaining, what steps (if any) have been taken to attempt notification and why notification should be dispensed with.   Pending the determination of the application to appoint a deputy for (my mother), the Applicant is authorised to take such steps as are proportionate and necessary to access, secure and insure the house and property of (my mother).   This order was made without a hearing and without notice.  Any person affected by this order may apply within 21 days of the date on which the order was served to have the order set aside or varied pursuant to Rule 13.4 of the Court of Protection Rules 2017 (“the Rules”).  Such application must be made on Form COP9 and in accordance with Part 10 Rules.              
  • 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
  • Recommended Topics

Lowell passes my 3 mobile debt to Fredrickson


style="text-align: center;">  

Thread Locked

because no one has posted on it for the last 2017 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

Hello to all of you.

For more than 2 years Lowlife harassed me with an old debt with Three Mobile.

They claim that I breached the contract with Three and now I have to pay the outstanding debt.

 

I asked Lowlife to show me the contract it was breached by me.

They never send me anything and kept sending me the same letters

( about 25 letters in total up to now).

 

At the beginning they sent so called Notice of Assignment.

Actually was a fake where they used Three Mobile logo on the top of the letter with no signature - that was in Decembre 2015.

 

Recently I have received a letter from Lowlife telling me that they passed my debt to Fredrickson International ( part of Lowlife group).

 

The alleged debt has been passed to one of their 'approved' debt collection (what a joke).

 

Should I send a Letter to OC/DCA passes account to another DCA?

 

I will really apreciate if anyone can give any advice in how to deal with these parasites.

 

Again me. I understood that a CCA request doesn't apply on mobile contracts.

Is there anything else can I used to fight against them?

Link to post
Share on other sites

They wont have any info like that. You need to SAR Three mobile and go through all the paperwork they send. Meanwhile, tell lowell what you have done, and that the account is in dispute. They SHOULD place the account on hold for some time, to allow you to investigate. They should confirm this with Three. However, they are litigious, so make sur eyou do this sooner rather than later.

 

What is your reason for saying the debt isnt valid?

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

I wouldn't bother sending anything to anyone.

 

whats the defaulted date from your credit please?

 

they wont win a court case

we've not lost one yet

 

8. Subject to the above, should the alleged amount claimed include an early termination charge(s) amounting to the total balance of the remaining contract, OFCOM guidance clearly states that any Early Termination Charge, that is made up of the entire balance of the remaining contract, is unlikely to be fair, as it fails to take into account the fact that the provider no longer has to provide and pay for their service.

 

sit on your hands

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

nope. lowells always do this. They try to make people think freds are a completely separate company. In essence making them think the debt is escalating in seriousness, when really its just passed to the next room in the same office

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

Have you checked your credit files?

 

And is the amount they're claiming, include the monthly line rental?

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

Hi. Thank you for your replay.

 

The default date should be somewhere around January 2013 ( as I remember) but looks like Lowlife changed the date with 4 months later - May 2014.

 

The default balance was £178.

It was.

The parasites from Lowlife are asking now 3 times the original amount.

So should I send to Three Mobile a SAR request?

 

@renegadeimp. Thanks for your advice.

I will send a SAR request to Three Mobile.

 

Is there any template for a SAR request regarding a mobile contract?

I don't now what to ask for.

 

Regarding your question ( What is your reason for saying the debt isnt valid? ).

 

Lowlife never provide me any documents I have asked for, apart so called Notice of Assignment, to proves that they have the right to claim I owed them money.

 

Lots of letter

I have sent asking for Deed of Agrement, Deed of Novation and the contract they said I have breached. So how can they prove they got the legal right to ask me to pay?

 

@Bazooka Boo. In my credit files the Opening balance was £178, and the Default balance £178.

The leeches are asking for £600.

I don't what the leeches has included in the this amount of £600.

Link to post
Share on other sites

The SAR template is in the library yes, and send it to 3 Mobile.

 

Send it recorded post, they have 40 days in which ti send you the info.

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

lowells cant default you 3 would have done that upon sale

and they also haven't added to the debt either - again they can't.

 

silly idea to ask for the deed/novation. that's freeman of the land twaddle.

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 used template letter from old [removed - dx]

 

I am not keen in or with legal stuff.

I took their advice.

 

£600 is the amount they (Lowlife) pretending that I owe.

 

In my credit files is showing Opening balance was £178, and the Default balance £178.

 

So, I presume, Lowlife added the ''early termination fees''.

I don't know.

 

I will scan tomorrow the letter ( one if them) from Lowell and I will post it.

Edited by dx100uk
spacing
Link to post
Share on other sites

so that's why they sent you the phishing letter

as they thought you were a silly billy

as they know the freemen of the land garbage inside out as do we.

 

i'd do as post 3

cant see any point in an sar to 3

no point.

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

All what I am trying to avoid is another CCJ.

I already got one because of these for a debt ( which originally was around £450, ended to pay £1400 + court fees = 1750 )

 

At that time I binned all the letters from Lowlife and just ignored them.

When I have received the court paper I used MCOL to replay ( my defence ).

I had a confirmation ( email )for enrolling for MCOL and I thought they received my defence.

 

Well...it wasn't what I thought and one month later I receive the decision which was a CCJ.

 

I remember I send few email to an address related with MCOL asking what happened to my defence and why was ignored.

I never received an explanation and I ended paying them.

 

So what to do next?

As they passed my debt to Fredrickson

( which is part of the same gang of interlopers - Lowell Group) should I ignore their letters?

 

As I read in some forums ignoring them doesn't look to be a good idea.

 

In few cases ( similar mine) Fredrickson passed the debt to Brian&Carter ( solicitors) and people ended going to the Court.

 

Many of them like me...with a CCJ.

Edited by dx100uk
merge/spacing
Link to post
Share on other sites

Brian Carter no longer exists.

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

as long as they have your correct address

there's not much more you can do.

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

so why did you lose the existing CCJ, defence was fMoTl 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

I used MCOL and the password came with to replay.

I wrote that I want to defend myself.

Ok, I didn't now what to write in my defence, and I asked a friend to help me.

 

None of us had knowledge about legal stuff so we wrote what we thought it mai help.

 

I sent my defence to MCOL and only confirmation came back was that I enrolled with this service.

 

After I received the CCJ I called County Court Business Centre in Northampton and I asked why my defence was ignored.

I been told that they never received my defence.

 

I told them that I have a confirmation as I enrolled with MCOL so they cannot say I never sent anything.

 

I just been ignored.

 

So that's my story in few words.

Edited by dx100uk
spacing
Link to post
Share on other sites

  • 1 month later...

Hi. I'm going to send a SAR request to Three Mobile and I'm not sure what to ask for.

I was thinking to ask for those info.

 

Is there enough or should I ask for more.

If yes, what I should ask for apart this:

 

1.A list of calls made during your service period with them

 

2.A list of SMS/MMS sent by you during the service period.

 

3.A list of payments made,which shows how the payments were made.

 

4.A closing balance.

 

5.Details of any fees/charges/ added.

 

6.Alist of any third parties or in house parties which have been passed your data.

 

7 Details of any collection activities for outstanding amounts,including credit reporting.

Thank you for your herlp.

Link to post
Share on other sites

Why do you wanttosend a SAR?

 

What do you want to gain from it?

 

WHEN was your LAST payment on this account?

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

post 3 refers

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

Actually I am a bit of afraid and that's why I was thinking to send a SAR request. To see what they got on me and to use eventually on my defense. But I will take the advice from dx100uk ( no point for a SAR ) and to wait for the time been. Thanks again.

Link to post
Share on other sites

  • 1 month later...
Brian Carter no longer exists.

 

 

They're now Lowell Solicitors.

 

 

It used to be the creditor passes the 'customer' account to Lowell Group who would instruct Fredrickson International to collect the debt, or Bryan Carter to take it to Court. Then Lowell Group stuffed Bryan Carter and now does it all in house.

Link to post
Share on other sites

Actually I am a bit of afraid and that's why I was thinking to send a SAR request. To see what they got on me and to use eventually on my defense. But I will take the advice from dx100uk ( no point for a SAR ) and to wait for the time been. Thanks again.

 

 

You can put in a subject access request, and you will probably get a statement of account. As 3 mobile is categorised as a telecommunications company, they do not need to provide y'know a signed agreement.

Link to post
Share on other sites

  • Recently Browsing   0 Caggers

    • No registered users viewing this page.

  • Have we helped you ...?


×
×
  • Create New...