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    • 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.
    • To which official body does one make a formal complaint about a LPA fixed charge receiver? Does one make a complaint first to the company employing the appointed individuals?    Or can one complain immediately to an official body, such as nara?    I've tried researching but there doesn't seem a very clear route on how to legally hold them to account for wrongful behaviour.  It seems frustratingly complicated because they are considered to be officers of the court and held in high esteem - and the borrower is deemed liable for their actions.  Yet what does the borrower do when disclosure shows clear evidence of wrong-doing? Does anyone have any pointers please?
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Lowell passes my 3 mobile debt to Fredrickson


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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?

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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

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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... 

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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

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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!

 

 

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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.

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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!

 

 

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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... 

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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
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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... 

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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
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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

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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... 

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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... 

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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
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  • 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.

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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!

 

 

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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... 

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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.

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  • 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.

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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.

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