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    • I decided on confrontation - which I hate.  Omg the arrogance of the driver.  They refused to say who had given them the alleged permission to park on the private land - unless I proved ownership.  I couldn't believe they could be so objectionable.   They advised they couldn't take public transport to work as they lived too far away.  They couldn't rent a local garage as none were available. I simply said that's their issue not mine. It was infuriating that this person had such misplaced entitlement.  However I decided to humour them and show them the title deeds.   They couldn't respond.  Although at this point they alleged some guy in a city up north - whose name they couldn't remember - gave permission!!    They then asked if they could buy the garages and land!! Yet can't afford to park on a meter !! They seemed to back down and agree to now park elsewhere.  I hope so. 
    • I've worked out the contractor invoiced apx 250k - Without adding vat to the invoices.  So based on above he should have added vat to all invoices once he reached 85k?  Obviously he had to pay his labourers - would those payments get taken off what he received?  Or it doesn't matter cos he invoiced for the high sum?
    • Greetings, I'm writing to seek assistance with an ongoing issue I'm having with Manchester Council.  I parked my car in a residential area behind Wilmslow Road to go purchase some food, not realizing it was a no-parking zone. I later received a letter stating I had failed to make the required payment, and the penalty had increased. I appealed the fine, explaining that I had parked there but never received the original Penalty Charge Notice (PCN), so I was unaware of the need to pay. However, the council's reply did not address my initial concern. Is there anything I can do in this situation? I admit to parking there, and I was willing to pay the original fine, but I don't think it's fair for them to demand a doubled amount when they failed to send me the initial PCN.  Any advice or guidance you can provide would be greatly appreciated. Thank you in advance for your assistance.   MK Document.pdf
    • If you look at some of the other debt related threads will see that one of the first things which will be asked will be for you to list out your debts in a brief chronological order, including date of debt, amount, creditor, amount outstanding, defaulted – yes/no – date of default, date of last payment made, have you acknowledged the debt at all to the creditors. That lot at least. I expect that my colleague @dx100uk will be along but will meet to know at least that information
    • Hi, I have found this group very helpful hence I am here seeking help and advice.   I got myself into a situation where I have now more than £50k in unsecured debts (personal loans & credit cards) and things are now getting out of control as I am struggling to make payments. This is purely my own created situation and I am taking 100% responsibility for it. I am keen to get out of this situation as soon as possible hence I would appreciate any help and advice in this process. I am employed at the moment and don’t want to risk going into IVA or bankruptcy as this would risk losing my job. Being sole bread earner of my family, I cannot afford to lose my job. I have been trying to keep up with the payments so far and had few missed payments instances until 3/4 months ago but got caught up with missed payments somehow using my savings. All my debts are still with original lenders. However I know I am getting into same situation again shortly and won’t be able to get out of it again. I have started exploring Debt Management Plan (DMP) option through StepChange but haven’t submitted it yet. Based on budgeting, I have around £820 available to make payments to all lenders after taking care of all other essential expenses. This is definitely lot more affordable than what I am currently paying to different lenders. 1. Is DMP right option for me in current situation? 2. what are the negative consequences of availing DMP? 3. is there something else that I can do to get out of this situation? I’m determined to clear out all my debts but need bit of breathing space and time. Let me know please if you need any additional information. Thanks in advance for all your help and guidance. MM  
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    • 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
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lowell portfoli1-asking for my address confirmation.


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You're right, my Mam was one of them. Cheque written out and ready to send until I found it. She's never had a credit card in her life, yet this bunch of idots reckoned she owed Barclaycard. She was scared out of her mind and losing sleep. To me there should be a law against it! And as another poster has said, you could put your life on the fact that if more than one person paid they sure as hell wouldn't return the cash to innocent targets!

 

This is what I mean - sorry about your Mum being dragged in too!

Is there anything that we as consumers can do against them?

I believe in Fair Debt - not chance

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This is what I mean - sorry about your Mum being dragged in too!

Is there anything that we as consumers can do against them?

Just keep on reporting them to TS, the OFT the FOS and anyone else you can think of/ Someone will eventually take notice.

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have now recived a letter from red threatening that if i dont get in touch then it will make the situation worse i think i might just drop the sun newspaper a line about these idiots and see what happens then

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The only thing that will get worse is that some call centre muppet wont get his commision and will be made to stand on the Desk at Lowell HQ

 

The debt is Statute Barred and despite their weasley words there is sweet FA they can do about it. Time to report them I think

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I am now totally intrigued and wonder how the hell do they get away with it - intimidation or what.

Further letter received claiming that I owe £458.51 to Barclaycard and the collection of this 'debt' is now being collected by Red Debt Collection Services (I smell a [problem] here!)

 

Needless to say letter duly sent 22Jan08 - recorded delivery to a PO Box No 203 which is the same as Lowell's - interesting to note that PO Box 172 at Leeds LS11 9WS is used to return letter to sender of original letter(curious).

 

Apparrently 'this debt' was purchased by Lowell Porfolio on the 14Dec2007.

 

Further interest. I haven't had or used Barclaycard for over 30 years!!

 

kernow247

 

Red Debt and Lowells are ONE and the same. The letters you sent by recorded delivery will probably be ignored, if at all read, and this company will continue relentlessly in its efforts to turn you into a wobbling mess of nerves - Now where's that jelly wobbling smiley gone????? :)

I believe in Fair Debt - not chance

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Just to add one final comment - did not get to post office 22Jan letter not sent! Having seen latest posting and elsewhere on the forum - letter held but now await next bit of postal fodder to arrive....:(

 

Also having received a personal (Thanks MrTWS) am now switching to following thread to show support!

http://www.consumeractiongroup.co.uk/forum/campaign/128102-lowells-financial-services-campaign-1.html

Kernow247

Cornwall, UK

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Just out of interest I got a phone number

 

it was 0113-3086109

 

So if you want to call them free or std rate there ya go... (presuming you subscribe to a free call service)

NEVER PHONE THESE PEOPLE. ALWAYS KEEP A PAPER TRAIL. THEY ARE ECONOMICAL WITH THE TRUTH (allegedly)

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You're right, my Mam was one of them. Cheque written out and ready to send until I found it. She's never had a credit card in her life, yet this bunch of idots reckoned she owed Barclaycard. She was scared out of her mind and losing sleep. To me there should be a law against it! And as another poster has said, you could put your life on the fact that if more than one person paid they sure as hell wouldn't return the cash to innocent targets!

 

 

Go to the police because that is fraud and trying to obtain money by deception.

 

There are laws out there to protect us we just have to report it.

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  • 2 weeks later...

i have also had one of these letters. or rather several letters from lowell and red debt collections services. i had read a load of messages from people that have had these letters. i spoke to lowell about it as i dont remember having this card that was supplied by barclaycard. they told me to call barclaycard about it, so i did, got straight through to an advisor, nasty man got really cross with me and lowell, told me that i should not have phoned barclaycard. told him that i had been told to, he went nuts on the phone about that. he let it slip that the card was supposed to be dated from 1991. spoke to lowell again asked me to send a copy of my signiture, didn't do that though.

today i got another letter from red, offering me 50% off. told red i wanted a copy of the original agreement and also cpoies of all payments made to this account, i honestly cant remember having this card but if i did then it is likely to be statue is this correct????

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Hi ,

You guys really helped me out (on 16th Jan)by suggesting i send a cca letter N to lowells which i did on 23 January, I recieved a letter from them on 7th February saying thier client B,card has requested my agreement be retrieved from achive,and goes on to say once YOURagreement has been retrieved YOUwill have to repay the outstanding in full.They then go on to offer me a reduced payment (originol 1083.63) of 433.60 providing i pay by today(9th) which i wont. I would like to know , as i read somewhere that the 12 days they are given to produce an agreement is 12 working days+ 2 days for postage, i just need to know exactly when thier time is up.Is it the 8th or 12th February?

:confused: PS dont do computers very well ,hope this gets where its supposed .too!

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If you sent the CCA request on 23rd January, it would have been received by Lowells on 24th January (presumably you have proof of delivery for this). The 12 working days would start the day after receipt (25th).

 

So the 12 working days would be up on Monday 11th February.

 

It sounds like they don’t have the agreement and are just hoping that you’ve no idea about the Consumer Credit Act and will just simply pay up.

 

How old is the debt?

 

Start your own thread to avoid hijacking jts1’s, then you can ask away ‘til your heart’s content.

 

Simply click on the” New Thread” button at the top of the DCA forum and away you go!!

 

If you’re struggling starting your new thread, have a look at Bookworm’s Dummies Guide by clicking the link below:-

 

How Do I..........?

 

 

Bo :)

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Hi ,

You guys really helped me out (on 16th Jan)by suggesting i send a cca letter N to lowells which i did on 23 January, I recieved a letter from them on 7th February saying thier client B,card has requested my agreement be retrieved from achive,and goes on to say once YOURagreement has been retrieved YOUwill have to repay the outstanding in full.They then go on to offer me a reduced payment (originol 1083.63) of 433.60 providing i pay by today(9th) which i wont. I would like to know , as i read somewhere that the 12 days they are given to produce an agreement is 12 working days+ 2 days for postage, i just need to know exactly when thier time is up.Is it the 8th or 12th February?

:confused: PS dont do computers very well ,hope this gets where its supposed .too!

Please do not hold your breath waiting on these clowns coming up with anything hence the reason they are being so generous. The debt is Statute Barred and therefore UNENFORCABLE.

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surely one way to annoy these clowns would be to spend one given day just faxing them blank sheets of paper or entering their fax numbers on some dubious sites .I know its silly and childish but i strongly believe apart from killing them (JOKE) this is a way to annoy the hell out of them the way they are with us ?

 

FAX Number 0845 3009411

CAG v dca

 

CAG EVERYTIME .....

KEEP RIGHT ON TILL THE END OF THE ROAD ........

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surely one way to annoy these clowns would be to spend one given day just faxing them blank sheets of paper or entering their fax numbers on some dubious sites .I know its silly and childish but i strongly believe apart from killing them (JOKE) this is a way to annoy the hell out of them the way they are with us ?

 

FAX Number 0845 3009411

I do believe that there are a few Nigerian generals/Barristers at Law/Bank Officials who have millions of pounds they would like to share with people.:-D

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