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fiftypence

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Everything posted by fiftypence

  1. Just ignore their letters and threats. IF they send anyone, they won't be bailiffs and whoever they are just tell them to sod off, there is nothing they can do, they have absolutely no legal powers whatsoever. They have the same right to "collect the full amount" as a Jehovah's witness. Tell them to go away and shut the door, they are powerless.
  2. Ha ha! Hamptons Legal...just as ineffective and useless as Lowells! Just another desk in the same office I think if I remember correctly. It's all just a bluff to make you think they are escalating their actions in reality it's just a different letterhead backed by the same bunch of buffons. Rejoice in the fact that Lowells have your debt rather than a proper DCA that might do something that warrants your attention.
  3. Yes and worse, statutory demands. All came to nothing. Asked for a copy of my CCA once they hit me with the stat demand, they folded like a cheap suit
  4. If they are ignoring your request I would ignore their requests in return Until they start court proceedings (which they won't as they don't have a valid paper trail) you need do nothing. Worked for me
  5. Not according to companies house webcheck site, but that is only updated at weekends so it might be out of date if it went plc just recently Worth checking again next week.
  6. Oooh, an 0800 number nice! Hours of fun for all the family pssst, what format does the reference number take, i.e is it two letters and 6 digit number, or something else etc. Not that I condone time wasting calls at someone elses expense obviously, that would be very wrong
  7. This is what an official SD looks like SDP1.jpg picture by fiftypence_photo - Photobucket SDP2.jpg picture by fiftypence_photo - Photobucket SDP3.jpg picture by fiftypence_photo - Photobucket SDP4.jpg picture by fiftypence_photo - Photobucket compare it to your own to see if its similar. The SD is a precursor to making you bankrupt, if you don't respond by having it set aside they can then apply to make you bankrupt. Don't panic though, most of these can be set aside quite easily and a lot of time these are not followed up to the bankruptcy stage anyway, they are used as a scare tactic. However, it is important to treat it as though they will follow up with the bankruptcy action so that you can be prepared for the worse, but setting aside the SD will stop any bankruptcy action in it tracks.
  8. I dare say the practice is sailing close to the wind. Must be worth sending an email to the SRA asking if the practice is in breach of guidelines or not (with a link to the website of the offending solicitor ), at least it might bring a little heat to bear on those solicitors who think renting out their letterheads in this manner is acceptable.
  9. Does look like it might be a fishing exercise by Lowell. Your safest bet is to get it set aside and claim back your costs in doing so. You don't have to have legal representation to do it, many from this site have done it themsleves. You will have to assume you will need to attend court and face them across a table (fairly informal process). You can claim Litigant in Person costs (£9.25 per hour unless the figure has changed) this includes time for researching and putting together your defence. You could come out of this with a nice little tax free bonus Ignore the dates on the documents, your time for setting aside starts from the date of service, i.e. when you actually receive it.
  10. Here's one such firm that allows you to 'rent' their letterhead HL Legal They have changed their pricing, you used to be able to do it on a one off basis but it looks like you have to buy in bulk now - just shows what sector of the market they are targetting, must be profitable for them even at 75 pence per letter
  11. No. You can take someone to court without legal representation, i.e. do it yourself, you don't have to be qualified. Although if you want to do it and represent someone and charge appropriate fees you do need to be qualified.
  12. Yes he can complain - he is not complaining about service standards as a client he is bringing to the attention of the regulatory body evidence of a solictor acting in contravention of the rules as laid down by the regulatory body. He won't get much for his troubles but if the SRA deem it necessary they can give Mr smalltime lawyer a good kicking
  13. Most if not all of these DCA's are full of hot air and lame threats, I personally wouldn't even bother wasting a stamp on them. They rarely take anyone to court and most of the time they do take anyone to court they lose as they don't have the necessary paperwork to follow it through (provided the consumer gens up on their rights of course ) If you really think they might sue you can always email it, it is just as valid and you can ask for a read receipt (depending on which email client you use) I only ever email DCA's now, never bother sending letters - they always respond via royal mail though, how quaint.
  14. Yes but it probably counted towards their statstics - evil rabbit caged, another crime solved and more justice dished out to a sinsiter crim!!
  15. Definitely!! Put as many obstacles in their way as possible to put the balance of power on your side. Everything in wriing that way they can't lie, they will lie of course but at least you will have the evidence
  16. Just another one for the ignore pile. There's more chance of me visitng you and I don't know where you live, and if they did send someone tell them to sod off, they have NO powers whatsoever.
  17. I recently received one of these, I think it is more likely Lowells trying a different approach to slip in under the radar. Everyone is so used to seeing their normal template letters, receving a statement looks more akin to getting a bill that needs paying Mine's going on the ignore pile, the Lowell ignore pile is getting quite thick now
  18. You could try doing the poem in the form of a riddle, ha ha! That should keep their post room occupied for all of 2 minutes until they realise they don't have anyone there that can read
  19. I think you should tease them a bit (and waste some of their time in the process ) Email them (no point in wasting a stamp) and tell them they may have found who they are looking for and they may not, they must try harder. See if you can come up with something to send them round in circles for as long as possible, you could have endless fun with that one
  20. In laymans terms - F--K ALL. I am sure you can work out the missing letters
  21. Its a thinly disguised fishing exercise pure and simple. They make it sound like an auction, 'bid' and 'reserve price' but the letter would be unique to you to entice you to bid, no-one else will be bidding on it (so a BS auction) - OFT might be interested with regard to misrepresentation maybe? IMHO, bin it.
  22. You don't have to tick any boxes, just by using their network (Orange T&C's, others are probably similar) you agree to their terms and conds which includes marketing to partner (could be anyone) organisations Saw an interesting comment on another website by a poster who is in the telecoms industry, he hasn't delisted his number since he doesn't trust them! He basically said thousands of people will go to a website they know hardly anything about run by an unknown company with unknown (and unpublished) data protections policies and enter their mobile number (and other details) into the website. They are then confirming via a text message that their number is genuine. This is a company that clearly hasn't built a very good website seeing that it has been down for a number of days now. So if they can't keep their site up, who says they can keep it secure especially as it now has a database full of thousands of live and verified mobile numbers.
  23. dunno if Orange supplied mine but they had it on their database, so I have asked them to remove it. Couldn't give a monkeys about DCA's finding me (I wish they would I don't get any calls from them ) but I don't want sales calls for double glazing/electricity suppliers/broadband offers etc etc.
  24. I'm as miffed about as anyone but I don't think they have done anything wrong unfortunately. The T&C's are in the smallprint which no-one ever reads or questions and by making one phone call you have agreed to them sharing your info
  25. Orange T&C's state that just by using your phone on their network you agree to their T&C's which allow them to share your information with other companies in the group and with those outside the group and their business partners. I'm sure these types of clauses are not unique to Orange
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