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    • No you're not doomed. It's a shame you covered up the dates and times on your PCN since they can possibly help your case when they don't comply with the requirements of the rules in private car parks. Could you please therefore include the arrival and departure times as well as the date of the offence and the date on which they alleged they sent you the PCN. The PCN does not comply with the Protection of Freedoms Act 2012 Schedule 4.since the wording should invite the keeper to pay the outstanding amount. Also I cannot see on the PCN that UKPO are the Creditor though I may have missed it since it is so unusual not to include it. The upshot is that you as keeper are no longer liable to pay the charge if the driver fails to pay within 28 days-0nly the driver is now liable. As Courts [assuming it gets that far ] do not accept that the driver and the keeper are not the same these rogues will have a hard job who was driving unless you appeal or have appealed and revealed who was driving. You did say that you weren't parked there long and had that been correct you have perhaps 15 minutes where you might have had a further. argument. As it judging by the confusing times mentioned in the wording or the PCN you were there for almost an hour? However as the light was not good and I presume the signs were not illuminated that is a reason that you could not see the sign. And did you have your blue badge showing ? Interestingly the post code quoted does not agree with the Post office one in West houghton= BL5 3JS Are there two different Tesco  car parks in Bolton. You obviously could not be in two places at the same time...............
    • Especially because you have bought the car on finance, there is probably quite a lot that you can do although it sounds as if you are maybe taking the appropriate steps anyway. However you need to give as much more information. We need to know – the name of the dealer details of the vehicle, make, model, mileage, age, price paid – 70 8K? The name of the finance company – and some dates. Date purchased, the date that you have logged this with the FOS and I'm sure there will be other questions. I suppose that you don't understand your consumer rights very well because issues like the sunroof et cetera should have been repaired by the dealership and there was no need for you to spend your own money on this. On the basis of what you have told us, I would suggest that eventually should be up to recover all of your money plus the expenses you have incurred in carrying out repairs. And in fact – you could also list out the faults which have manifested themselves so far and the money you have spent on correcting those. You are entitled to purchase a vehicle which is of satisfactory quality remains that way for a reasonable period of time. At £78,000 I wouldn't expect any serious issues to manifest themselves in this vehicle for quite a few years. Tell us also about the £2400 inspection that you have had carried out. Were you advised to do this? To do this of your own initiative? Who carried it out? That lot for a start
    • Hi Dx, I am hoping you have had an opportunity to skim through this thread. Please may I give it a humble bump for your consideration. My last date to present a WS is Wednesday the 17th. Many thanks and kind regards 🙏  
    • Hello I've got a parking ticket, see here... https://ibb.co/DfHqg9F https://ibb.co/QvqH52m https://ibb.co/pbPPdDg https://ibb.co/X2F1X25 I've been parking at a particular corner in a small Tesco car park for years. Recently they put two electric charging plugs, one where that spot is and one at the bay next door, so I stopped using them out of courtesy in case they need to be used (I use that Tesco every day and drive past every day but have yet to see anyone use them). Recently I went back to Tesco when it was reasonably dark. All the bays were full, including the three blue badge bays. I have one but none of the cars parked in the bays did, I noticed as I walked past them (nobody ever gets pulled for that because Tesco have never policed this small car park before). Since there was two free electric bay spaces, and since I wasn't going to be long (just one product), I parked into my former 'regular' spot. There was a notice on the wall but if I'm honest I didn't read it because (a) I'm thick, and (b) I honestly thought it was just telling people how to use the device (like I said, I'm thick) rather than this being a parking fine. I went back during daylight and the sign is very obvious (as you can see from the picture), although not so obvious at night, although probably still obvious enough for you to tell me "tough luck, pal". Now they want £100 or £60 if I pay quickly. Am I doomed?
    • Hi All   After a bit of advice to see where I stand. Bought a car in Sept 2022 on pcp. Been told it had a big inspection and was good to go. Had many issues with it throughout the year including trims coming off the car and sunroof not closing.   While getting the sunroof repaired at month 12, in Sept 2023, the bodyshop guy said your cars been in a bad accident. Garage said it hasn't but offered to take the car back at half of what I paid for it as long as I buy a replacement from them before inspecting it (probably damage control) (car was £78k, said they'd offer £40k "trade in value" as if doing me a favour).   Ended up getting a forensic inspection done for £2400 in Dec 2023, confirmed car was in a bad smash (write off level but unrecorded on hpi) and potentially unsafe to drive - front end is slightly bent towards 1 side, what looks like a hairline crack on the chasis, overspray, bonner with patches of filler all over it, damaged rubbers etc   Raised complaint to finance company and few weeks ago to FOS... just wondering what people's experiences have been like going through the FOS, main thing that concerns me is that it was 12-13 months after I bought the car that I realised what caused these issues and raised the issue to the garage/ finance co but the damage/ misaligned panels are actually visible in the advert photos which I saved thankfully.    Dealership has had my car for 4 weeks to let a few bodyshops look at it (without giving me a courtesy car!!!) Not giving me any updates either because I went to the FOS about it and didnt want to speak to them over the phone anymore as opposed to emails. Note: hanging trim was reported within 3 months but due to part delays it didn't come until like July 2023, within 2 months the piece came off again, claimed under repairers warranty for another replacement 6 weeks ago and within 2 weeks this time the trim is coming off AGAIN (assuming it won't stay on due to the car being actually bent out of shape slightly)   Any idea if I have a good case or if there's anything else I can do?   Thanks
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My 1st letter from Lowell Finance

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Hi, this is the 1st time we have ever been on anything like this and certainly appreciate it's existence and would like to say thankyou in advance of any positive help anyone is able to give us.

Yesterday I received a letter from Lowell Finance (never heard of them before) asking me to confirm that I lived at an address we moved from, almost 6 years ago. They said that "they had been supplied with information suggesting I previously lived there and that if I didn't contact them immediately, they would assume the information to be correct and update our systems accordingly".

There is no mention of any debt in this letter and they provide a freephone number to call. It's signed by their Customer Contact Manager.

After having read lots of your comments about Lowell Finance, my question is.......

Should I call them, should I write to them or should I ignore them?

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These lowlifes are on a fishing trip! Don't contact them & never speak to them on the 'phone. Wait for them to contact you again (probably with futile threats), keep all correspondence & I repeat....do not speak to them on the 'phone. If they ring you....tell them everything must be in writing & hang up on them (keep a record if they do ring you).


When/if they do contact you again...post back here & we'll go on from there.

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Thanks guys. We appreciate that so much. How do these employess of this company sleep at night eh??? Will post back when and if they contact again and in the meantime, I've gathered that it's a good idea to keep all the letters (& envelopes) from them in case I need them. Speak to you soon, but again, thankyou for the swift replies. It's great to know you're out there.:)

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What part of the DAta Protection Act allows Clownells to assume something and amend their records accordingly.


I stand to be corrected but I thought anyone processing Data had to ENSURE it was ACCRATE.


Seems Clownells and all the rest assume they are right and everyone els is wrong.


Dont waste the price of a stamp writing to these idiots.

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It did cross our minds as to whether to reply with a 'no idea who you are, go away' type of letter but after reading all of your replies, we have seen sense and decided to ignore them. Thanks for the humour and hope that you all bring to this site, much appreciated on a Sunday morning. (Great pub scene by the way)

If we happen to get a phone call from them, does anyone know if they introduce themselves when you answer or are they very secretive about who they are? :confused:

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They will ask for you by name and then ask you some security questions:rolleyes: . Just refuse to answer them and set the phone down. They will try every trick and threat in the book to get you involved in a conversation. Ignore the threats.

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~I had an idea - if you have your answer to security questions as NO, that would totally confuse the staff - your password could be NO in a foreign language, followed by another NO, bet Clownells would love that one!


The fishing letters are very dodgy to say the least, they should ensure BEFORE they contact you that you are the person they need... they can do this easily by checking their credit records - but they want YOU to contact them and confirm you are NOT this person... how can you when you are not supposed to open letters addressed to someone else?

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I received one of these letters and will also follow the excellent advice given here. They clearly want people to CCA them so they can point out that they never said anything about a debt. I never reply to unsolicited junk mail so why should I start now?


Anyone else received one of these letters and was there any follow up? Would be interested to know what they do next.

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I received one of these letters and will also follow the excellent advice given here. They clearly want people to CCA them so they can point out that they never said anything about a debt. I never reply to unsolicited junk mail so why should I start now?



The fact that Lowells are a Debt Collection Agency is a bit of a giveaway all the same:D

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Don't know whether they did this to anyone else, but I got a text on my landline from them on Friday. You know when you pick up the phone and a voice says that it's BT's texting service? I put the phone down before they completed the freephone call.

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have nt had this approach YET,but we dont trust anything at the mo.....so, do they resort to the highly devious whilst they fish? If so then what sort of tracks do they go down?

FUZZGIN--- has anything else happened to you since your text message last Friday?

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Sorry, that last post hasn't gone through correctly.

I think I have just had a text message from them on our landline. I rang 1471 and retrieved the number and don't recognise it at all.

As soon as I heard 'this is a text msg' I put the phone down and didn't listen to it.

Fuzzgin----have you had any other contact from them since your text msg last Friday????

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I've been offline for a few days as I had a visitor staying and Lowells have tried the slow torture method. Them and Hamptons. Repeated calls at all hours including messages with a telephone numberevery 10 miutes as late as 22.53. Reading from my log. The Telephone Harassment letter is being composed. Sending it recorded with all the usual CCA stuff on Monday. Each time I tell them to put everything in writing they say (pathetically) "but we've been trying to reach you for days". Isn't it nice to be wanted? No! I've been hanging up after telling them that I don't give out personal information on the phone. And to put everything in writing.

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Now we know what debt they are chasing!!

We had a letter from lowell Financial yesterday saying that they have been instructed by Lowell Portfolio with their objective being to find a solution to the problem of an old credit card debt. We can either pay it in full or contact them to come to an agreement. They say to ignore it would make the situation worse.

We are less than a month within the 6 year mark.

We haven't had any phone calls or any more text messages on the landline since the last possible one but then we are ex-directory.

What can anyone advise us to do next please?

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