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    • Thank-you dx for your feedback. That is the reason I posted my opinion, because I am trying to learn more and this is one of the ways to learn, by posting my opinions and if I am incorrect then being advised of the reasons I am incorrect. I am not sure if you have educated me on the points in my post that would be incorrect. However, you are correct on one point, I shall refrain from posting on any other thread other than my own going forward and if you think my post here is unhelpful, misleading or in any other way inappropriate, then please do feel obliged to delete it but educate me on the reason why. To help my learning process, it would be helpful to know what I got wrong other than it goes against established advice considering the outcome of a recent court case that seemed to suggest it was dismissed due to an appeal not being made at the first stage. Thank-you.   EDIT:  Just to be clear, I am not intending to go against established advice by suggesting that appeals should ALWAYS be made, just my thoughts on the particular case of paying for parking and entering an incorrect VRN. And, I also continue to be grateful for any advice you give on my own particular case.  
    • you can have your humble opinion.... You are very new to all this private parking speculative invoice game you have very quickly taken it upon yourself to be all over this forum, now to the extent of moving away from your initial thread with your own issue that you knew little about handling to littering the forum and posting on numerous established and existing threads, where advice has already been given or a conclusion has already resulted, with your theories conclusions and observations which of course are very welcomed. BUT... in some instances, like this one...you dont quite match the advice that the forum and it's members have gathered over a very long consensual period given in a tried and trusted consistent mannered thoughtful approach. one could even call it forum hi-jacking and that is becoming somewhat worrying . dx
    • Yeah, sorry, that's what I meant .... I said DCBL because I was reading a few threads about them discontinuing claims and getting spanked in court! Meant  YOU  Highview !!!  🖕 The more I read this forum and the more I engage with it's incredible users, the more I learn and the more my knowledge expands. If my case gets to court, the Judge will dismiss it after I utter my first sentence, and you DCBL and Highview don't even know why .... OMG! .... So excited to get to court!
    • Yep, I read that and thought about trying to find out what the consideration and grace period is at Riverside but not sure I can. I know they say "You must tell us the specific consideration/grace period at a site if our compliance team or our agents ask what it is"  but I doubt they would disclose it to the public, maybe I should have asked in my CPR 31.14 letter? Yes, I think I can get rid of 5 minutes. I am also going to include a point about BPA CoP: 13.2 The reference to a consideration period in 13.1 shall not apply where a parking event takes place. I think that is Deception .... They giveth with one hand and taketh away with the other! One other point to note, the more I read, the more I study, the more proficient I feel I am becoming in this area. Make no mistake DBCL if you are reading this, when I win in court, if I have the grounds to make any claims against you, such as breach of GDPR, I shall be doing so.
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Lowells Pre Court Letter Shop Direct


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Hi Ive had a reconstituted credit agreement from Shop Direct, can anyone have a look for me,

 

the account was taken out in 13/06/2006.

 

I went into a debt management plan in 2008 and I have been making payments to them for the last 10 years.

 

I found this thread in Jan this year and stopped paying and sent CCA's to all my creditors.

 

I havent claimed anything back on the account as far as I am aware I never had ppi on the account

 

 

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Wheres the rest of the agreement?

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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  • 2 weeks later...

If all they can send is a reconstituted version for a 2006 agreement......then it follows they dont have the original to enable enforcement of the agreement.

 

 

Andy

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moved to mail order forum

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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  • 1 year later...

Good Evening all

I have received a letter before court proceedings from Lowells Financial regarding a shop direct Very account,

I have sent over a CCA request to Lowells, they responded with a recon credit agreement and a statement of account.

 

Included in the response they said they have been instructed and intend to issue court proceedings.

I have not responded to the letter before court yet please could anyone give any advise and how to proceed should I reply to the form from Lowells? I have previously posted the credit agreement received on another thread but couldnt seem to post a reply on there. 

 

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Please would you fill this out <<<<<

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I think my learned friend accidently posted the wrong link

 

it should be this one 

 

 

and you follow post 5 there

 

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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sorry post 2 ....shows you how many of those uae debts we're dealing with at present....:lol:

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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you sent a good few CCA's almost 2yrs ago and wiped out and incredible amount of debts following you DMP with PP>

 

are you indicating you've already sent a CCA again since then?

 

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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Hi yes I’ve had some good responses which is great!

 

I cca’d this 2 years ago

it was passed on to Lowell’s and when I rec’d the before court form I sent a cca request to Lowell’s and they sent me the same one as above back with a statement of account and a letter to say they have fulfilled my request and intend to take it to court if I don’t pay.

 

Is the agreement enforceable as I really don’t want to risk a ccj and could set up a plan with them?

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so you don't need to repeat the CCA and you need a reason to dispute the debt.

 

I can't see the CCA upload anymore as it vanished during an old virus attack or our move to new forum software

can you pop the scan back up please?

 

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 i confirm that is not signed by you but is infact blank?

 

 

 

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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Then its bogroll

send them 'em a new cca

you dispute the debt because the debt buyer has failed to comply with previous request

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 thought that they didn’t need to have your signature on now and recon ones were ok?

 

So shall I reply to lowells claim letter saying I dispute the debt due to none Signed credit agreement?

And request the list of documents as per post 2 in the pre debt protocol document? 

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there is nothing there other that a bit of cut n paste or photo manipulation inserting youer details on a copy of the T&C's which can bedownloaded from here or came out of lowells filing cabinet.

 

there is no proof on the agreement you signed up

its blank.

 

go look at other lowell cat debtthreads here and get upto speed

use our search top right.

 

as for the PAPLOC reply form...

don't give the game away..

reason as my last post..

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 all responses I’ve been looking at other threads and now feel totally confused as I’m scared of actually having to go to court as I have no idea how to defend this! Torn between just setting up a payment plan and not wanting them to win! 

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because you've not been reading up

there are 100's of PAPLOC or CAT letter of claim threads here

 

as well as 100's of Lowell claimform cat threads here [most they lose]

 

use our custom google search box that comes up after hitting our top squares logo for either. 

and get reading up.

the more you read the stronger we become.

 

going to court is no big deal a dentist is much worst.

 

don't forget the post off that reply form attached to post 2 of the thread before day 30 of their letter of claim.

1st class stamp and free proof of posting from any PO counter will do.

 

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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I wish you'd read your thread before repeatedly asking the same question.

 

as already pointed out twice now

the answer is in my post 17.

 

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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  • 1 month later...

I’ve had a response from Lowell’s,

they have sent back the same credit agreement and statement of account.

 

I had an initial letter saying they had requested copies of the default notice and would put the account on hold.

 

I have now received a computer print out of my account with dates of default and when it was assigned.

The accompanying letter says it has now fulfilled my request and will persue me.

 

As they haven’t sent a copy of the default I was going to reply and say I still dispute the debt and ask for the copy again. Is this the right thing to do? 

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