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Parcel delivery insurance is prohibited under section 57 – Consumer Rights Act – Read about It Here and in The Times. ×


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    • dx100uk
      Judge & Priestly

      By dx100uk · Posted

      when did they (who) inform you there was a 'police case' and when was this attained? i will guess the debt is now SB'd as it's UAE 15yrs. have you informed the bsnk ever by email/letter of your correct and current address? you can always ignore anyone else accept the bank,  Block and bounce back all emails. Block any text messages  Ignore any letters unless it's: - a Statutory Demand - a Letter Of Claim - a Court Claimform via Northants bulk.  
    • Bhindi lover
      Judge & Priestly

      By Bhindi lover · Posted

      I left Dubai 8 years ago and intended to return. However a job prospect fell through. I’d been there for 15 years. I decided to pay my credit card and the bank had frozen my account. There is no means to pay the CC so completely unable to pay when I wanted to other than the bank advising me to ask a friend in the UAE to pay it on my behalf!  fast forward bank informs there is a police case against me for non payment. Years later IDR chased me and after months/ years they stopped. Now Judge & Priestley are trying their luck. Now I have received an email in English and Arabic from JP saying the bank has authorised them to collect debts. Is this the same as IDR although I didn’t receive anything like this from them. Just says they are authorised?
    • dx100uk
      PRA Group - PAPLOC now Claimform - Halifax Loan £20k+

      By dx100uk · Posted

      Please fill this out   Dx Pl

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      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.

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      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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Parcel delivery insurance is prohibited under section 57 – Consumer Rights Act – Read about It Here and in The Times.

Lowell finacial/Lowell Portfolio 1

linz74

By linz74
in Debt Collection Agencies

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ODC

ODC

Posted
Posted

As I have said before WAIT and see what they actually come up with. If Mr Bartle was so sure that he could produce a Valid CCA along with all the prescribed terms he would not be offering a discount to you. The letter is designed to get you to pay up without seeing the CCA. If they produce a Valid CCA along with all the prescribed terms and you decide to pay them then there would be no need for a court case. He is using this as a threat to get you to pay now.

 

Just wait to see what if anything these idiots come up with and pay no attention to empty threats

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arcangel

arcangel

Posted
Posted

The letter is a collections tactic to entise you to make a payment, part of the negotitation strategy employed by lowell. I would not pay a penny until they provide the CCA and then I would demand confirmation of all the information they hold of you. Alot of the information is mistraced or could be fraudulent. See Equifax website for more information about issues of fraud and how to remidy it.

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linz74

linz74

Posted
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Posted

Have recieved another letter from Lowell's this morning.

 

Dear Mxxxxxxx

Following your recent request to be provided with a copy of the original credit agreement in respect of consumer credit act. I can confirm our client has yet to furnish us with the agreement.

 

I can confirm however capitol one are still in the process of retrieving the required paper work and once this has been forwarded onto us a copy will be posted to you.

 

There will be no further correspondence from us until the agreement has been recieved at which point we will require payment in full.

 

you still have the option to pay xxxxxx as full and final settlement in order to bring this matter to a close. after which we reserve the right to proceed to collect the full balance.

If you want to take the offer and bring the matter to a close phone number below

 

 

The last letter I recieved from them gave me 72 hours to accept the offer.

well still no cca and the clock is ticking it is now 24 days since they recieved my request for cca. do I just carry on sitting tight

many thanks for any advice

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ODC

ODC

Posted
Posted

Pity Andrew Bartle didnt have proof of the alleged debt before he started chasing it. Even if they do manage to come up with some paperwork from CAPONE its very likely that this will just be an application form which does not contain the prescribed terms and is therefore U N E F O R C A B L E

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linz74

linz74

Posted
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Posted

Thanks ODC I am beginning to think they are just trying it on and hoping I will give in to there scare tactics, must admit I was scared at first till I found this great forum, now I am not a bit afraid and look forward to the post each day

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  • 3 weeks later...
mr.ton

mr.ton

Posted
Posted

Following your recent request to be provided with a copy of original credit agreement in respect of the consumer credit act i can confirm our client capital i has requested that your credit agreement be retrieved from archive.

Once your agreement is retrieved you will be required to repay the outstanding balance in full. If deemed necessary, we may initiate legal proceedings which could eventually see your outstanding balance increase due to court costs and interest.

In an attempt to resolve this matter in an amicable way I would like to offer you a settlement to bring this matter to a close.

As long as payment is with us by 23.2/08 I am willing to accept £487.60 as full and final settlement on your account. if payment is not recieved within the time we reserve the right to proceed to collect the full blaance.

I you want to take the offer and bring the matter to a close then please call the number below

 

All of that is just another official way of saying..."please pay us now & even if you dont, nothing will ever happen" :rolleyes:

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Falkirk1298

Falkirk1298

Posted
Posted

Subbing with interest, as a new inductee into the Lowell Fan Club!

 

They are the third DCA to be instructed by HBOS to recover a disputed balance, and they ain't likely to have any more success than the first two. I did notice that they claimed to be acting on behalf of "Lowell Portfolio 1" but, since the debt is disputed and I haven't had a Notice of Assignment, I put it down to an attempted [problem].

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ODC

ODC

Posted
Posted

Lowell Portfolio/Lowell Farcical/Red Debt/Hamptons are all trading names of the Lowell group. I suspect the use of so many names is more an attempt at tax avoidance and scarin g people into thinking they are more bigger than they really are. What it boils down to is the same garbage being generated by the same idiots using different notepaper.

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Falkirk1298

Falkirk1298

Posted
Posted

I sent them my standard "this is in dispute" letter then got the "we're sending the boys round" one from them. I'm giving them the benefit of the doubt in that the correspondence may well have crossed, so the ball's still in their court.

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ODC

ODC

Posted
Posted
"we're sending the boys round" one from them. I'm giving them the benefit of the doubt in that the correspondence may well have crossed, so the ball's still in their court.
That would be their imaginary, invisble hilariously named 'Licensed Field Agents'. They are a rare phenomena as NOBODY has ever seen them yet. They are I suspect a figment of Mr Bartles vivid imagination:rolleyes:

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PossVox

PossVox

Posted
Posted

Oh YES! He sure as hell does!

 

Google him!

 

Try THIS for tasters....

 

A life in the day of ... | Credit Management | Find Articles at BNET.com

 

:mad:

 

I really deserve a click on the scales for this? Please?

 

:D

  • Haha 3

LOWELLS-Stat Demand Set Aside-No CCA & Statute Barred-£1800-Gone Away-April 2008

 

Scotcall on behalf of Cabot-£2200-no CCA returned to Cabot-file closed-March 2009

 

Cabot-Court Claim issued despite no CCA and Stat Barred-Claim discontinued-March 2009

__________________________________________

 

IF I HAVE BEEN HELPFUL PLEASE CLICK MY SCALES. :)

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linz74

linz74

Posted
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Posted

UPDATE

Recieved this letter from Lowells this morning.

Dear xxxx

We refer to your recent request for a copy of original credit agreement (Capitol 1 ) of the consumer credit act 1974

After liasing with our client in an effort to obtain this document we have been advised that it is no longer available. Under the circumstances we have closed our files in relation to this account which has now been returned to our client. we can confirm that no further contact will be made by us regarding this account

 

Yours sincelerle

Andrew Bartle

 

Does this mean I will not be hearing from anyone again or will capitol1 try and sell this onto someone else even though it is 8 years old

many thanks for advice

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dannyboy660

dannyboy660

Posted
Posted
Oh YES! He sure as hell does!

 

Google him!

 

Try THIS for tasters....

 

A life in the day of ... | Credit Management | Find Articles at BNET.com

 

:mad:

 

I really deserve a click on the scales for this? Please?

 

:D

 

 

......And they are now officially one of the fastest growing companies in the UK. InsideARM: PR - Debt Purchaser Lowell Group Named VC-Backed Business of the Year How sad is that??

What next, awards for bogie eating ?? Grave robbing ??

 

Surely any civilised society would be ashamed of such an accolade.

HOIST BY THEIR OWN PETARD.

 

Blimey it works....:-)

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PossVox

PossVox

Posted
Posted
......And they are now officially one of the fastest growing companies in the UK. InsideARM: PR - Debt Purchaser Lowell Group Named VC-Backed Business of the Year How sad is that??

What next, awards for bogie eating ?? Grave robbing ??

 

Surely any civilised society would be ashamed of such an accolade.

 

I think I'm in danger of throwing up my lunch having read that!

 

Kate Silvertongue of the BBC has gone down in my estimations!

 

:(

LOWELLS-Stat Demand Set Aside-No CCA & Statute Barred-£1800-Gone Away-April 2008

 

Scotcall on behalf of Cabot-£2200-no CCA returned to Cabot-file closed-March 2009

 

Cabot-Court Claim issued despite no CCA and Stat Barred-Claim discontinued-March 2009

__________________________________________

 

IF I HAVE BEEN HELPFUL PLEASE CLICK MY SCALES. :)

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ODC

ODC

Posted
Posted

Looks like Andrew has failed again. Most old Capone agreements are unenforcable. Lowells will probably try to palm this off to their Kilmarnock pals in order to make a few quid. If MH get in touch you can refer them to Lowells who are in default of your CCA request.

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Stretchmo

Stretchmo

Posted
Posted
UPDATE

Recieved this letter from Lowells this morning.

Dear xxxx

We refer to your recent request for a copy of original credit agreement (Capitol 1 ) of the consumer credit act 1974

After liasing with our client in an effort to obtain this document we have been advised that it is no longer available. Under the circumstances we have closed our files in relation to this account which has now been returned to our client. we can confirm that no further contact will be made by us regarding this account

 

Yours sincelerle

Andrew Bartle

 

Does this mean I will not be hearing from anyone again or will capitol1 try and sell this onto someone else even though it is 8 years old

many thanks for advice

 

Dont hold yer breath.:mad: I recieved the same letter,and a week later I recieved a letter telling me I was to pay and also a copy of my agreement(not) It was an application form.:grin: see post here http://www.consumeractiongroup.co.uk/forum/debt-collection-industry/122926-help-3.html

 

Looks like Andrew has failed again. Most old Capone agreements are unenforcable. Lowells will probably try to palm this off to their Kilmarnock pals in order to make a few quid. If MH get in touch you can refer them to Lowells who are in default of your CCA request.

 

I dont understand the Kilmarnock bit??? Or MH???

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Stretchmo

Stretchmo

Posted
Posted
Lowells seem to pass all their unenforcable debts to their good buddies Mackenzie Hall of Kilmarnock.

 

Cheers.:grin: Who are these people, and what can they do once they get passed this debt?

 

Still they wont have to use much petrol the price it is now. I'm on the east coast of Scotland. So a nice wee day out for them, if they call at my door.:grin:

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