Jump to content


  • Tweets

  • Posts

    • Thank-you dx, What you have written is certainly helpful to my understanding. The only thing I would say, what I found to be most worrying and led me to start this discussion is, I believe the judge did not merely admonish the defendant in the case in question, but used that point to dismiss the case in the claimants favour. To me, and I don't have your experience or knowledge, that is somewhat troubling. Again, the caveat being that we don't know exactly what went on but I think we can infer the reason for the judgement. Thank-you for your feedback. EDIT: I guess that the case I refer to is only one case and it may never happen again and the strategy not to appeal is still the best strategy even in this event, but I really did find the outcome of that case, not only extremely annoying but also worrying. Let's hope other judges are not quite so narrow minded and don't get fixated on one particular issue as FTMDave alluded to.
    • Indians, traditionally known as avid savers, are now stashing away less money and borrowing more.View the full article
    • the claimant in their WS can refer to whatever previous CC judgements they like, as we do in our WS's, but CC judgements do not set a legal precedence. however, they do often refer to judgements like Bevis, those cases do created a precedence as they were court of appeal rulings. as for if the defendant, prior to the raising of a claim, dobbed themselves in as the driver in writing during any appeal to the PPC, i don't think we've seen one case whereby the claimant referred to such in their WS.. ?? but they certainly typically include said appeal letters in their exhibits. i certainly dont think it's a good idea to 'remind' them of such at the defence stage, even if the defendant did admit such in a written appeal. i would further go as far to say, that could be even more damaging to the whole case than a judge admonishing a defendant for not appealing to the PPC in the 1st place. it sort of blows the defendant out the water before the judge reads anything else. dx  
    • Hi LFI, Your knowledge in this area is greater than I could possibly hope to have and as such I appreciate your feedback. I'm not sure that I agree the reason why a barrister would say that, only to get new customers, I'm sure he must have had professional experience in this area that qualifies him to make that point. 🙂 In your point 1 you mention: 1] there is a real danger that some part of the appeal will point out that the person appealing [the keeper ] is also the driver. I understand the point you are making but I was referring to when the keeper is also the driver and admits it later and only in this circumstance, but I understand what you are saying. I take on board the issues you raise in point 2. Is it possible that a PPC (claimant) could refer back to the case above as proof that the motorist should have appealed, like they refer back to other cases? Thanks once again for the feedback.
    • Well barristers would say that in the hope that motorists would go to them for advice -obviously paid advice.  The problem with appealing is at least twofold. 1] there is a real danger that some part of the appeal will point out that the person appealing [the keeper ] is also the driver.  And in a lot of cases the last thing the keeper wants when they are also the driver is that the parking company knows that. It makes it so much easier for them as the majority  of Judges do not accept that the keeper and the driver are the same person for obvious reasons. Often they are not the same person especially when it is a family car where the husband, wife and children are all insured to drive the same car. On top of that  just about every person who has a valid insurance policy is able to drive another person's vehicle. So there are many possibilities and it should be up to the parking company to prove it to some extent.  Most parking company's do not accept appeals under virtually any circumstances. But insist that you carry on and appeal to their so called impartial jury who are often anything but impartial. By turning down that second appeal, many motorists pay up because they don't know enough about PoFA to argue with those decisions which brings us to the second problem. 2] the major parking companies are mostly unscrupulous, lying cheating scrotes. So when you appeal and your reasons look as if they would have merit in Court, they then go about  concocting a Witness Statement to debunk that challenge. We feel that by leaving what we think are the strongest arguments to our Member's Witness Statements, it leaves insufficient time to be thwarted with their lies etc. And when the motorists defence is good enough to win, it should win regardless of when it is first produced.   
  • 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 PAP now Claimform - Cap1 Card Debt


style="text-align: center;">  

Thread Locked

because no one has posted on it for the last 1673 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

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

Link to post
Share on other sites

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

Link to post
Share on other sites

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

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.

Link to post
Share on other sites

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.

Link to post
Share on other sites

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

If you want advice on your Topic please PM me a link to your thread

Link to post
Share on other sites

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... 

Link to post
Share on other sites

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.

Link to post
Share on other sites

 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... 

Link to post
Share on other sites

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.

Link to post
Share on other sites

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... 

Link to post
Share on other sites

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 :-)

Link to post
Share on other sites

  • 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

Link to post
Share on other sites

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

Link to post
Share on other sites

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... 

Link to post
Share on other sites

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.....

Link to post
Share on other sites

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... 

Link to post
Share on other sites

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

Link to post
Share on other sites

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... 

Link to post
Share on other sites

  • 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

Link to post
Share on other sites

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... 

Link to post
Share on other sites

  • Recently Browsing   0 Caggers

    • No registered users viewing this page.

  • Have we helped you ...?


×
×
  • Create New...