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    • 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 PAP now Claimform - Cap1 Card Debt


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Hi not heard anything from Restons but I now have a letter from lowell solicitors about a different debt on a capital one card.

 

They have sent me the same PAP letter so I am going to send a CCA to lowell financial and the IBA to lowell solicitors.

 

Just wondered do I send the CCA to lowell financial P.O. box no at Northampton or their head office in Leeds. Lowell solicitors is the same p.o. box no as lowell financial. Thanks

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I have received a letter from lowell solicitors about a debt on a capital one card that was sold to Lowell Financial. They have sent the pre-action protocol form to complete.

 

I need some advice please.

 

Am I right in sending a CCA to lowell financial with the £1 postal order and the completed PAP form back to lowell solicitors completing box D and I?

 

Just wondered do I send the CCA to lowell financial P.O. box no at Northampton or their head office in Leeds. Lowell solicitors is the same PO box No in Northampton as lowell financial in Northampton. Confused because if I send both letters to the PO box No's they are going to the same place.

 

Are they both in the same office? If I send the Lowell Financial CCA to Leeds will they still get it or do I send it to the PO Box No on their letter?

 

Lowell solicitors letter is dated 24th May so My 30 days are up on 23rd June.

 

Thanks

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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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Trent House, Station St, Nottingham NG2 3HX CCA request recorded delivery, advice on PAP will be forthcoming

 

Thank you.

 

Is that Lowell Financial address or Lowell Solicitors?

 

I have a Leeds address for Lowell Financial at Savannah Way, Leeds and also a PO Box for Northampton.

 

So do I send the Lowell Financial CCA to the address at Northampton that you quoted.

 

Sorry about this I am just confused as to what to send to which address.

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Is this Capital One at Trent House, Station St, Nottingham NG2 3HX?

 

Please can someone help.

 

I thought the CCA had to go to Lowell Financial and the PAP back to Lowell Solicitors.

 

I am unsure of Lowell Financial address as just have PO Box No in Northampton but though Lowell Financial were in Leeds.

 

Can someone clarify.

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Post #4 in the above link I have posted.

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

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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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Thanks.

 

I have read the links and done the CCA letter using the template.

 

Completed the PAP following the instructions on the link.

 

My concern is where to send the CCA for Lowell Financial.

Do I send to the PO Box No in Northampton or their head office at Savannagh Way in Leeds?

 

The address at Trent House in post #2 is for Capital One.

Just wondered why I would send it there as they are the original creditor and not the DCA that has bought the debt.

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 No oc has sold it

Nothing to do with them

Cca goes to lowells

Andy has given the 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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That what I understood CCA goes to Lowell Financial.

 

I must be missing something here as there is no address in post #4 just a link which takes me to the PAP protocol page.

 

I'll just send it to both the PO Box No at Northampton and their head office in Leeds I guess.

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Post 3 old cogger

Sorry i couldnt count id put me sox back on too early.....: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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No worries.

 

I didn't think this was the Lowell financial address - google tells me it is capital One head office (Trent House, Station St, Nottingham NG2 3HX) post #3

 

I need to send to Lowell financial who have bought the debt from Capital One.

 

Just need the Lowell address if anyone knows it or do I just send to the PO Box No?

 

PS hope the socks were clean :-)

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  • 6 months later...

Hi

 

In response to me sending back the completed PAP to Lowell Solicitors back in June 2018 I have now received a letter from Lowell Solicitors enclosing copy of agreement, default notice & notice of assignment.

 

Please can someone advise what I should do now before they continue with the Pre-Action Process?

 

I had completed sections D and Section I of the PAP back in June 18.

Lowell Solicitors response 2nd Jan 2019.pdf

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no the original copy is readable but I have tried to get the upload clearer.

 

Any advice on next step?

 

I have scanned again and it is a bit clearer.

 

The text is so godamn small on the capital One agreement but readable with my glasses on!

 

The transaction details are just on plain paper with no company heading so could these be made up?

 

Can someone advise if they have sent all the required papers I requested in the completed Pre action reply form back on 18th June 2018.

 

Having only received their response back on 2nd Jan 2019 is this acceptable?

 

Please advise as I am unsure how to respond to this and have been looking for info in the forum.

 

Kappers

SRLI_SVH_KO19011109550.pdf

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looks in order to me.

so almost SB'd then...

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 dx100. yes my thoughts were it should be SB'd May this year.

 

I cant access the library on here to use the letters and no response from admin how to register.

 

What do you think. Do I just wait now and see what happens after 30 days or set up a payment arrangement.

 

I cant find out the right advice what to do.....

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probably just a clitch.

 

what letter were you after...don't think we've advised you to sent any pointless letter tennis?

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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Was thinking of an SB letter but am not sure.

 

Yep I did ask for advice and would like some on what to do next with the response/papers that Lowell Solicitors sent me.

 

Do I just go ahead and pay somehow.....

 

Can anyone give me some advice please

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no its not SB'd till april.

 

not a lot you can do.

 

sit on your hands - hope they don't issue a claimform thru northants bulk before 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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  • 2 months later...

Hi

After not responding to their last communication back in Jan 19 the debt was transferred back to Lowell Portfolio who started to send me debt chasing letters.  They then sent it back across to Lowell Solicitors who have now sent me out a letter of claim with the pre-action protocol form to complete again giving me 30 days.

 

Is the debt statue barred yet as last payment was 23rd Apr 2013?

 

Please can I ask what to do now.  Do I fill in the PAP form again requesting the account paperwork again?

 

 

Lowell Cap One 060419.pdf

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threads merged 

please keep to one thread.

so you've already sent the pap stuff back before?

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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