I just found lowell's head office

Taking out a hire purchase agreement means that the goods you have in your possession are in principle, hired until the payment for the goods have been settled at which time you will be classed as the owner of the goods. If you fail to keep up repayments, it is possible that you will be facing repossession of those goods. A lender can take legal action against you for the arrears you owe but they cannot enter your premises to repossess these goods without your consent, they must first apply to the court for a repossession order. Before a creditor can take any further action, you must be served with a default notice. Once the default notice has been served, the lender can then apply to the court for a repossession order. If you have paid less than one third of the value you borrowed the lender can repossess your goods without a court order. They cannot however enter your premises to repossess these goods without your consent. If you don't give your consent and a default notice has been served, the lender will then apply to the court for a repossession order. If you wish to continue with payments but need some extra time, once you have received the default notice you can apply for a Time order form, N440, to give you time to get funds together to continue payments. If you have paid one third or more of the monies borrowed your goods will then be classed as "protected". This means that goods cannot be repossessed without an order from the court. If you wish to keep the goods you can contact the lender and ask them if they are willing to negotiate reduced repayments.

BBC NEWS | Business | Market Data | Shares | London | HBOS And do i feel sorry for them, not a chance in hell, the same way they have felt sorry for all the customers they have applied charges to.

That's for sure, and Fredrickson,Cyclone assets etc etc, i'm sure the OFT will dig up a can of worms. And i still have loads of letters from all of them :D

I'm sure Curlyben will now come up with a template for the DCA's, that will steer them in the directions of the Governments latest response to Debt collection :D Curlyben i leave it in your hands

It's gotta be time to copy and paste the petition, and forward it to all DCA's VIA EMAIL ...

Debtcollection - epetition reply 29 February 2008 We received a petition asking: "We the undersigned petition the Prime Minister to Introduce legislation to give better protection from harrassment by Debt Collection Agencies." Details of Petition: "Debt Collection Agencies are increasingly targeting people for debts that they do not owe or dispute, which calls into question their tracing and data sharing procedures. Little or nothing can be done to deter the harrassment caused by them telephoning day and night, and a constant stream of pointless letters. People avoiding debt leave a trail of misinformation, something which DCA's don't seem to understand. To respond to a letter or call seems to be an automatic admission, whether or not the debt is actually owed. There has to be a better way to protect people from the tactics employed by these Companies, while correctly identifying evasive debtors." Read the petition Petitions home page Read the Government's response The Government has recently taken measures to strengthen the regulation of the debt collection sector. Under the Consumer Credit Act 1974, debt collectors already require a consumer credit licence in order to operate. The Office of Fair Trading (OFT) has a statutory duty under the Act to ensure that licences are only given to and retained by those who are fit to hold them. The OFT must, when determining whether or not a licensee is fit to hold a licence, consider any evidence that the licensee has engaged in business practices appearing to be deceitful or oppressive or otherwise unfair or improper. Debt collectors that hold a consumer credit licence need to also comply with specific fitness guidance OFT has issued covering the debt collecting sector. This guidance was issued in July 2003 and applies to all consumer credit licence holders. If a licensed debt collection agency or creditor persistently fails to comply with OFT's debt collection guidance or there is evidence to substantiate claims that the licence-holder has engaged in unfair business practices, OFT can ultimately revoke its licence, effectively putting the trader out of business. Any persistent failure by a creditor to provide accurate information could also reflect on its fitness to hold a licence. This guidance outlines the types of business practices the OFT considers unfair and so incompatible with fitness to hold a consumer credit licence. The guidance covers; Communication False representation of authority/legal position Harassment Deceptive and/or unfair methods Unfair charges Visits Statute barred debts The guidance is available at: http://www.oft.gov.uk/advice_and_resources/resource_base/legal/cca/debt-collection Anyone who wishes to comment on non-compliance with the OFT's guidance, can e mail them at [email protected] or telephone on 020 7211 5823. However, in addition to the current rules relating to the debt collection sector, new legislation will strengthen and add flexibility to the regulatory options available to the OFT in operating the consumer credit licensing regime. The OFT has been given new powers by the Consumer Credit Act 2006 (CCA06), which comes into force in April 2008. These will allow the OFT to place 'requirements' on licensees to modify conduct and impose financial penalties of up to £50,000 for a failure to comply with a requirement. The OFT will also have new information gathering powers enabling it to more effectively pro-actively monitor compliance by seeking information from licensed businesses about their activities including, for example, their debt collection practices. In addition, the CCA06 also gives the OFT powers to take into account a company's competence to lawfully provide credit when assessing fitness to hold a licence. From April OFT require more information from businesses engaged in 'high risk credit activities' such as debt collection at the licence application stage in order to satisfy itself that the business will be 'credit competent'. Credit competence refers to the ability of the business to carry out the activities covered by the licence to a reasonable standard. It will also take into consideration business processes and procedures which would assist with maintaining good standards of consumer protection. For example, whether adequate staff training procedures are in place to ensure that the firm's legal responsibilities are understood at every level of the organisation. This means that debt collection businesses will be subject to greater scrutiny at the licence application stage and greater monitoring throughout the life of the licence. Further Information

I wouldn't be too worried about Bryan Carter

This person also sorted my problems out within the hour,and gave me compensation no messing.

bump

sorted

In order to claim the allowance you said you could only walk with difficulty, you needed crutches and a wheelchair. You also said you needed help with your personal toilet. when he admitted joining the running club and agreed that by doing so there was a " massive change" in his circumstances He also admitted he didn't deserve benefits He does concede that what he did was wrong So to continue to get the allowance, he did himself con the tax payer,and medics of fake ilnessess.

PILES LOL

Still a good discussion

(The court heard that Appleby, a former coal miner, made a legitimate claim for disability living allowance in March 1994, when he was forced to give up work with a back injury.) Now on the basis that it quite clearly states that in 1994, a legit claim was made, obviously the guidelines were followed at that time by the medical examiners,so your theory above is null and void. With regards to your remark about our tax paying for these medics,yes that's true,it's also true that our same taxes has paid out over the years to fund the above gentleman:rolleyes: