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    • Hmm yes I see your point about proof of postage but nonetheless... "A Notice to Keeper can be served by ordinary post and the Protection of Freedoms Act requires that the Notice, to be valid,  must be delivered either (Where a notice to driver (parking ticket) has been served) Not earlier than 28 days after, nor more than 56 days after, the service of that notice to driver; or (Where no notice to driver has been served (e.g ANPR is used)) Not later than 14 days after the vehicle was parked A notice sent by post is to be presumed, unless the contrary is proved, to have been delivered on the second working day after the day on which it is posted; and for this purpose “working day” means any day other than a Saturday, Sunday or a public holiday in England and Wales." My question there is really what might constitute proof? Since you say the issue of delivery is a common one I suppose that no satisfactory answer has been established or you would probably have told me.
    • I would stand your ground and go for the interest. Even if the interest is not awarded you will get the judgement and the worst that might happen is that you won't get your claim fee.  However, it is almost inevitable that you will get the interest.  It is correct that it is at the discretion of the judge but the discretion is almost always exercised in favour of the claimant in these cases.  I think you should stand your ground and don't give even the slightest penny away Another judgement against them on this issue would be very bad for them and they would be really stupid to risk it but if they did, it would cost them far more than the interest they are trying to save which they will most likely have to pay anyway
    • Yep, true to form, they are happy to just save a couple of quid... They invariably lose in court, so to them, that's a win. 😅
    • Your concern regarding the 14 days delivery is a common one. Not been on the forum that long, but I don't think the following thought has ever been challenged. My view is that they should have proof of when it was posted, not when they "issued", or printed it. Of course, they would never show any proof of postage, unless it went to court. Private parking companies are simply after money, and will just keep sending ever more threatening letters to intimidate you into paying up. It's not been mentioned yet, but DO NOT APPEAL! You could inadvertently give up useful legal protection and they will refuse any appeal, because they're just after the cash...  
    • The sign says "Parking conditions apply 24/7". Mind you, that's after a huge wall of text. The whole thing is massively confusing.  Goodness knows what you're meant to do if you spend only a fiver in Iceland or you stay a few minutes over the hour there.
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Lowell alleged debt?


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Hi all,

 

Was wondering if someone could help me on an a statute barred query.

 

Lowell have been chasing me for an alleged LLOYDS debt on and off for a couple years. Details…

 

Date of last payment on account January 2012. The account was an overdraft, and already in arrears exceeding its limit at this point. No payment or acknowledgement has been made since. Value is roughly £1500.

 

A default was then recorded on my credit file on 01/07/2012.

 

Now, I would assume COA would be somewhere between the January and the actual date of recorded default. If this is the case, this debt is very likely already SB. However, after having read about Lowell I am almost certain they will argue the default date of 01/07/12 is the relevant date if I send a SB letter and I’d rather not get into any communication with these fools unless 100% sure.

 

Basically, in 1 month the default will completely disappear off my credit file and it will be 100% certain SB. My concern is they will be wise to this and try to pursue a CCJ at the last minute.

 

What’s confusing is my last couple of letters have come in the form of discounted settlement offers. The wording has been “before we take legal action, we would like to offer you” - firstly 20%, then 30%, then 40%. This confuses me, initially I assumed this is because they are somehow aware due of the timeframe of the alleged debt being a lost cause and are trying anything and everything. Or is there a chance they will all of a sudden withdraw these offers go straight in for a full claim? If so, then why have they not done this already if they stand to recover the full amount? Am I being naïve?

 

I am just looking for some overall advise on how to deal with this situation. Shall I wait it out with zero contact? Shall I send a prove it letter to keep them busy for a while?

 

Thanks

Will

Edited by Havok123
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Hi Havok123 and Welcome to CAG

 

Shall I wait it out with zero contact?

 

Yes

 

Regards

 

Andy

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The limitation period runs six years from the last failed payment or the last acknowledgement of the debt. If you read the statute barred link then it will tell you that.

 

I suggest that you write to them and tell them that is statute barred and that under CONC they are not allowed to pursue any further

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Whoops, cross posting – and cross advice. I suggested contact simply to prevent them from continuing any claim - which could result in some possible complication. Maybe Andyorch has a better reason for suggesting zero contact

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They will claim overdrafts work different and that the COA is different...as they have in numerous similar threads....dont start letter tennis they are fully aware of the limitations and legislation...wait it out...the OC has already placed the marker 6 months after you failed to service the account.....Lowell have 2 months to issue a claim...in their opinion.

 

COA is from the first missed contractual deposit.

We could do with some help from you.

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So just sit tight for the next 31 days. Perhaps after that date, then i can send a standard SB letter in response to anythin further as Bankfodder suggested?

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have you moved since taking this out?

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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doesn't mean they cant file to an old address

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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They have only been sending letters to this address for the past year or so, why would they change now? They send their latest discount settlement letter to my current address 6 days ago, they are confident I live here would they really go and do that for an arguably already SB debt?

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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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Share on other sites

They can only serve on a previous address if they are not aware of your current and you have not informed them......you have numerous letters to confirm they do know.

 

As already stated writing to inform them its statute barred when your 2 months away from it falling off your CRAs is very risky...your inviting a claim.

We could do with some help from you.

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Andyorch, 1st July it falls off my file. So just 1 month away. Think i will sit tight on this one until after this date and tackle it from there.

 

:thumb: I would...why poke the hornets nest

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

 

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