Jump to content


  • Tweets

  • Posts

    • Isas already allow you to earn tax-free interest on up to £20,000 each tax year. But under recent reforms, they are now supposed to be more flexible.View the full article
    • The NTK is pretty good at complying with the Act  as is the Notice to Driver so no help there. I seem to remember OPS getting hammered by a Judge [in brighton I think] so they seem to have tightened po their act since. The organ grinder is the MA and the monkey is OPS.
    • @jk2054 and @BankFodder - Your feedbacks in posts #199 and #202 have been incorporated into the attached WS. As usual, amends are in blue in this draft. Based on other WS drafts I've seen where the issues in dispute are part of the WS, I built my first draft WS in the same format and hadn't seen it to be an issue before. You will notice that the 'witness statement' has been replaced with 'Claimant's Statement' so that issues in dispute does not need to be on a separate page before the WS. This is especially given the work that has gone in to reduce the size of the WS to 8 pages. Also thanks for the suggestions re: confidentiality - I agree with your views and will stand firm on this if a condition of confidentiality is brought up. I have not been approached by Evri on this forum or by email. I haven't yet had success in paying the hearing fee. I am calling the court as often as I can (during work breaks/lunch etc.) and have sent 2 emails to the court requesting a call back. If i don't have any success by the end of this week, I'll send another email chasing for a call back. @BankFodder - Also attached is an invoice from Packlink which shows that I was charged by Packlink for these services: "drop-off at EVRi - Next day delivery" and "Proof of Delivery". It also has the payer's address and there are "Origin" and "Destination" fields which have the postcode of the sender and the recipient (I have redacted personal details in the attached invoice).  I am already including this in my evidence bundle (without the redaction) but wanted to share this redacted version so that other people can consider this as example in their bundle of Packlink and Evri's contract being instigated by the sender of the parcel who has paid for the service, and further shows that there is information in the invoice to identify that a third party beneficiary (sender / recipient) is present in the contract between Packlink and Evri. If this invoice is no good, then please let me know / delete it from this post. Draft - Witness Statement and Court Bundle redacted.pdf Packlink invoice - REDACTED.pdf
    • It can be frustrating when clients fail to pay for services or products rendered, ignore payment reminders, or claim an inability to pay. How quick do you pass to a Debt Collection Agency like www.corporatedebtrecovery.co.uk 
    • The Court s pretty informal. The Judge [who you call "Judge" rather than Sir or madam] will not be wearing a wig and gown just a suit and it is advisable that you do the same and a tie. Other than that the Judge will do most of the talking .If they haven't received a WS from the scrotes either the case will probably be thrown out straight away. Usually the Judge will ask their lawyer a number of questions then ask for your take on things and then the case will be decided.  UKPC 0 Mystic Bertie 5. Then ask for your expenses time off work [if not being paid by your company while in Court, travelling and parking costs and occasionally they will allow something like 5 hours research at I think £8 per hour. Later celebrate and post us the result and how much fun it was. You will wonder  why you worried about it so much. Next time will be much easier.🙂
  • 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 - Accounts closed, now writing to me should I respond?,


style="text-align: center;">  

Thread Locked

because no one has posted on it for the last 2135 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 all,

 

I’m a little confused by a letter I received this morning from Lowell.

 

I’ve not heard from them since last year when after a bit of going back and fourth they stopped legal proceedings against me regarding a credit card account.

 

They’ve randomly sent me a letter asking me to contact them!

 

The issue i have is the accounts they have listed, 2 have been closed but them I have the letters stating so and that no further action would be required.

 

The other 3 are in dispute and they have not fullfilled my CCA requests on those 3 at all.

 

They would be statue barred next year so im wondering if I should ignore and wait or remind them that the accounts are in dispute or have been closed!

 

Going to root for the paperwork.

 

I’ve also noticed that they have written to me under my previous married name. Ive been divorced for almost a drcade now and dont use the name on any current accounts.

 

Checking my credit file it would seem that one of my current lenders has put it on my file as an alias...

 

Any advice would be appreciated. It's very frustrating as i thought this was all done with! :-(

Edited by STSmiley
Spelling ��

*-*-*-*-*-*-*-*-*

*-*-*-*-*STSmiley*-*-*-*-*

*-*-*-*-*-*-*-*

Link to post
Share on other sites

" They would be statue barred next year so Im wondering if I should ignore "

 

Correct

 

 

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

" They would be statue barred next year so Im wondering if I should ignore "

 

Correct

 

 

Andy

 

Thanks for the reassurance! I will file and wait for more threatening letters before I start to panic :wink:.

*-*-*-*-*-*-*-*-*

*-*-*-*-*STSmiley*-*-*-*-*

*-*-*-*-*-*-*-*

Link to post
Share on other sites

Oops, not all will be statue barred. The credit card according to the paperwork I have... Last Payment was 11/12/2014 which seems wrong as I was in hospital having just given birth and rather ill at that point. I was very sick and cant remember making these payments to them. But as stated before 2 accounts are closed. Im going to continue to look for paperwork and come back and post so that the whole picture is available.

 

I want to make sure I'm not messing things up.

*-*-*-*-*-*-*-*-*

*-*-*-*-*STSmiley*-*-*-*-*

*-*-*-*-*-*-*-*

Link to post
Share on other sites

Check out the one in question...dont believe a payment was made until you have fully investigated......research Lowell and phantom payments

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

“We note all your comments and have investigated the matter. We consider that there is sufficient evidence to confirm liability for this debt and that the balance is due and owing. however, with a view to resolving this matter quickly and simply, we have decided to take no further action to recover this balance and will close your account”

 

So they lied then? As i am quoting exactly what is written in the letter...

 

I’m still going through paper work I have SEN children so i have an enourmous amount of paperwork!

 

I've just located one the last letter about one of the mobile accounts which I have quoted above.

*-*-*-*-*-*-*-*-*

*-*-*-*-*STSmiley*-*-*-*-*

*-*-*-*-*-*-*-*

Link to post
Share on other sites

  • 4 weeks later...
“We note all your comments and have investigated the matter. We consider that there is sufficient evidence to confirm liability for this debt and that the balance is due and owing. however, with a view to resolving this matter quickly and simply, we have decided to take no further action to recover this balance and will close your account”

 

So they lied then? As i am quoting exactly what is written in the letter...

 

I’m still going through paper work I have SEN children so i have an enourmous amount of paperwork!

 

I've just located one the last letter about one of the mobile accounts which I have quoted above.

 

 

 

 

All that means is Lowell closed that one account, perhaps sent it back to the creditor who will probably pass it to another debt collection agency, or later pass it back to Lowell again to collect. You will note the letter at no point states you don't owe money, and only goes as far as saying they will close your account--not that it can't reopen.

Link to post
Share on other sites

  • Recently Browsing   0 Caggers

    • No registered users viewing this page.

  • Have we helped you ...?


×
×
  • Create New...