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    • there is a mssive difference between the posts, the first  letter on your lot here John is forma  company that was wound up by companieshouse in JAN 2016 so hd no authority to send you anything after this date   The newco wasnt formed then either . they were also IPC members whereas the newco are BPA   So my suggestion is you respond to the address indicated on the new demands (London address) and say simply Dear sirs, your claim relates to a dissolved company that wasnt trading at the time of the supposed cause for action and you have no agency in this matter so Oh flip off and when you get there Oh flip off some more. I'm sure that criminality wont be suffered kindly by the courts if you are stupid enough to continue with this fraud
    • Ok so here we go, amounts are vaguely rounded...I currently have an active contract with 3 that I have had for about 6 years, and have never had a contract with EE:   Name of the Claimant: Lowell Portfolio Ltd   Date of issue: 5th November 2019   Particulars of Claim: The Claim comprises the following Agreements the Defendant entered into: a) EE Limited with reference x and current balance of £100 b) Hutchison 3G UK Ltd with ref x and current balance of £150 c) Hutchison 3G UK Ltd with ref x and current balance of £750   What is the total value of the claim? £1200   Have you received prior notice of a claim being issued pursuant to paragraph 3 of the PAPDC ( Pre Action Protocol) ? Yes, but I don't have the letter   Have you changed your address since the time at which the debt referred to in the claim was allegedly incurred? I moved temporarily to multiple other addresses abroad and in the UK, then returned to the original address.   Did you inform the claimant of your change of address? No I have never spoken to, acknowledged or written to the claimant, but anyway I have kept my current address as my permanent address for most correspondence including for banking and phone contracts. Is the claim for - a Bank Account (Overdraft) or credit card or loan or catalogue or mobile phone account? 3 (the number) mobile phone accounts (2 by 3 (the company))   When did you enter into the original agreement before or after April 2007 ? After (one I don't believe I ever entered into), all would have been between about 5 and 6 years ago   Do you recall how you entered into the agreement...On line /In branch/By post ? Online   Is the debt showing on your credit reference files (Experian/ Equifax /Etc...) ? I'm not sure   Has the claim been issued by the original creditor or was the account assigned and it is the Debt purchaser who has issued the claim. All debt sold to Lowell Portfolio   Were you aware the account had been assigned – did you receive a Notice of Assignment? Yes (but I don't have it)   Did you receive a Default Notice from the original creditor? Not sure, likely yes (I was living abroad during the last 4 years )   Have you been receiving statutory notices headed “Notice of Sums in Arrears”  or " Notice of Arrears "– at least once a year ? Not sure, likely yes   Why did you cease payments? Financial reasons   What was the date of your last payment? Unknown, likely between 5 and 6 years ago   Was there a dispute with the original creditor that remains unresolved? No   Did you communicate any financial problems to the original creditor and make any attempt to enter into a debt management plan? No    
    • right lets clear some things up. private parking and proof of parking. The y have used ANPR to capture some inages of the vehicle enteringa dn elaving the land but you sound like you are trying to attack this from teh wrong direction regarding proof. they wont drop the matter so you have to dig up the dirt trather than jsut say prove it to them   tell us the hire co was for starters, ther may be peopel who have experiance that can help ypu without saying anything to the parking co at all   name the palces and as you went there I hope that you had read a load of threads here and can supply us with a bettery of images to shwo us what you are on about. If you cnat then you will be going back there again, not only to show us but to appeal the tickets anyway so it wont be a wasted journey. lasty we would like you to try and sneak soem pictures of teh vahicle you hired to show any small differences with the ones in the parking pictures, ie different reg palte makers mark, things stuck to windows, colour of interior of vehicle etc. any small change will help you show that the plates have beeen cloned. YOU have to do the legwork, no-one else is interested until the time someone gets run over.
    • Dont really think that cuts it.. simply the above only covers your set aside reason.   put the you have evidence you informed the original creditor of your current address on xxx ..some xxx months/years before the ccj.   id also drop the embarrass ed defence bit at the end.   what defence are you offering that you dont owe the money? Simply saying the claimant might not have paperwork is immaterial. The ccj trumps that.  
    • ther thing we need to do is identify the land correctly, so state where exactly it was. If you mean the Tesco/aldi car park  then there is a sign at the entrance but that isnt an offer pf a parking contract with charges fro breaching it so maybe an invitation to teat at best. Cant tell who it is with though so not good for these bandits
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mr.ton

Cheekiness towards a DCA

style="text-align:center;"> Please note that this topic has not had any new posts for the last 3342 days.

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It does though doesn't it:D:D


<<<If I have helped please tickle the scales;-)<<<

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Well.....:eek: He's just a very happy cat :D


:)I am not an expert, but I can give good advice about Brighthouse:)

 

Am learning more and more about DCA's too :)

 

I have no legal experience and all advice given is based on the knowledge I've gained from this site.

 

<------If you think I have been helpful, please feel free to tip my scales - remember to put your CAG name though!

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See, now look here Mr Ton....cat's were my thing......I have changed mine to get away from cats :p

 

Changed it back.....anything you can do etc., etc.


:)I am not an expert, but I can give good advice about Brighthouse:)

 

Am learning more and more about DCA's too :)

 

I have no legal experience and all advice given is based on the knowledge I've gained from this site.

 

<------If you think I have been helpful, please feel free to tip my scales - remember to put your CAG name though!

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@Goldlady.....I will come to the next p!$$ up if it is anywhere near the north east! Any excuse for a cheeky glass or two!

 

Last one was at the new Mexican place near the Empire Theatre. Is that close enough?:D


BANK CHARGES

Nat West Bus Acct £1750 reclaim - WON

 

LTSB Bus Acct £1650 charges w/o against o/s balance - WON

 

Halifax Pers Acct £1650 charges taken from benefits - WON

 

Others

 

GE Money sec loan - £1900 in charges - settlement agreed

GE Money sec loan - ERC of £2.5K valid for 15 years - on standby

FirstPlus - missold PPI of £20K for friends - WON

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Oh, that is so close, it is within sniffing distance! Keep me informed and I will be there (work permitting of course, although I could always be "ill" :D)


:)I am not an expert, but I can give good advice about Brighthouse:)

 

Am learning more and more about DCA's too :)

 

I have no legal experience and all advice given is based on the knowledge I've gained from this site.

 

<------If you think I have been helpful, please feel free to tip my scales - remember to put your CAG name though!

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Fuzzybobble has rights on gingerbread men as avatars.......ooooo don't you dare Mr Ton :p


:)I am not an expert, but I can give good advice about Brighthouse:)

 

Am learning more and more about DCA's too :)

 

I have no legal experience and all advice given is based on the knowledge I've gained from this site.

 

<------If you think I have been helpful, please feel free to tip my scales - remember to put your CAG name though!

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You know i have a cheeky attitude ;)

 

You have? I'll look for proof of that. Be back in a few days with the results :p


:)I am not an expert, but I can give good advice about Brighthouse:)

 

Am learning more and more about DCA's too :)

 

I have no legal experience and all advice given is based on the knowledge I've gained from this site.

 

<------If you think I have been helpful, please feel free to tip my scales - remember to put your CAG name though!

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Might change it again & use a gingerbread man :p

 

I thought you would have a "Gingerbread Person" That's what you used to tell me they were anyway. :D

  • Haha 1

These are video links to show how I deal with Debt Collectors.

 

Fly fishing for C.A.R.S

http://uk.youtube.com/watch?v=zPtzK8FqE6k&feature=related

 

Frederickson International don't accept my card type

http://uk.youtube.com/watch?v=eiZBULlWW6Q&feature=related

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Oh dear it looks like Ron is throwing the toys out of the pram over on his personal forum aka Crudit Toady

 

CREDIT MANAGER

Ron Bidwell

 

Posts: 39

Joined: 24 Jan 08

08 January 2009 10:57 Reply

Quite right Yvonne. This person is using this forumn to attempt to get over a personal message. Everything this person writes is a dig at our profession. Shame they cant do it under their own name, instead of the cowardly manner used here. Who votes to eliminate this user ?

 

I do ! Bogus names are not respected on here. Just pay your debt.

 

Cowardly manner and just pay your debts. Now where have we heard this sort of pontificating before:rolleyes:

 

Ron should be thankful that anyone is even bothered to post on his Borefest Forum


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Oh dear it looks like Ron is throwing the toys out of the pram over on his personal forum aka Crudit Toady

 

CREDIT MANAGER

Ron Bidwell

 

Posts: 39

Joined: 24 Jan 08

08 January 2009 10:57 Reply

Quite right Yvonne. This person is using this forumn to attempt to get over a personal message. Everything this person writes is a dig at our profession. Shame they cant do it under their own name, instead of the cowardly manner used here. Who votes to eliminate this user ?

 

I do ! Bogus names are not respected on here. Just pay your debt.

 

Cowardly manner and just pay your debts. Now where have we heard this sort of pontificating before:rolleyes:

 

Ron should be thankful that anyone is even bothered to post on his Borefest Forum

 

 

What a bloody yawnathon lol!!

 

At the end of the day it's all quite simple really, if they keep their paperwork in the correct manner, they will have nothing to moan about. Unfortunately they like to try to pull the wool over people's eyes with lies, threats, abuse etc.

 

I'm fortunate that I don't owe any money, but as my girlfriend and my mother do and I am now on the case for them, these companies are gonna be a little less fortunate in the new year :D


Which DCA should we bring down first?

 

Answers on a postcard :D

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Phone rings:

 

Me: Hello

Collect Direct: Could I speak to a Miss x x xx x x

Me: Nope, she's not hear at the moment

Collect Direct: Could you tell me when she will be back?

Me: No, I'm sorry I can't, can you tell me who is calling please?

Collect Direct: It's a Mrs xxxx xxxx, I am phoning to do her a favour

Me: A favour? Ooooh, are you phoning to arrange the delivery of the Ferrari I know she has got me for my birthday?

Collect Direct: Sorry.....? A Ferrari?

Me: Yes, one of those big shiny red cars, they are very nice.

Collect Direct: No sir, I am not phoning in relation to that.

Me: Are you coming to repair the helicoptor she got for me with her lottery winnings last year?

Collect Direct: Helicoptor sir?

Me: Yes, one of those fabulous flying machines with spinny bits on it

Collect Direct: No sir, do you have any other number I can contact her on please

Me: I certainly do (gives out mobile number of local pizza parlour).

Me: You will have to ask for her by her 'stage name' though as they don't know her by her given name.

Collect Direct: Certainly sir, what is that?

Me: Marguerita Olive

Collect Direct: Thank you for your time

Me: You're most welcome and if you are coming to replace the speedboat can you make it before 3 p.m. as we like to go to the casino in the evenings. Thanks.

 

Click.

 

These people are fun.

  • Haha 2

Which DCA should we bring down first?

 

Answers on a postcard :D

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All the folks in the office want to know what Im giggling about.

 

Fantastic

 

Notts


As a great man once said " All Men Can Fly But Some Only in One Direction"

 

Notts

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Who votes to elliminate Mr Bidwell then?

 

Dont all rush to vote at once :D

 

 

Yes, lets eliminate him!

 

I am so upset at not being allowed to play on their message boards. Whatever will I do with my time......

 

Ah, that's it.........CCA requests!!


Which DCA should we bring down first?

 

Answers on a postcard :D

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You'd think they would be grateful for some human life on their dull lifeless forum - seems not to be the case.

They get 1 or 2 posts on their per day if lucky.

Anyone would think they lived in fear or something? :D;)

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Oh i gotta know which message board it is to check out the moralistic %%%% that some people spout... pm me and let me know where to look pleaze


muffintop

Won Nationwide £900 and £1908 Bank Charges

Lloyds personal account 1,861

Lloyds Bus Account 2k

Abbey bank acc. Stayed 2008

 

CCA requested Barclaycard Nov 08 - n1 issued - GAVE UP

CCA Mbna Nov 08- n1 issued - GAVE UP

Marks and Spencer Money Nov 08 -lost found 2b enforceable.

Tomson Holiday - WON

 

if I help you tip my little scales it gives me a thrill. MT

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The credit today forum....make sure you dont fall asleep too quickly whilst looking at it :rolleyes:

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Neddie Seagoon has joined CT.

Edited by nioclik

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John Jones made a post on there before as well :eek: (;))

 

Their site is being invaded by Caggers seemingly :D

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A.jpgThats all I get on Crudit Today IMG%5Dindex.cfm

Just remember to keep smiling and ask if you need help. :-)

 

I can't read and I can't write, but that don't really matter, cos I come from Lincolnshire, and I can drive a tractor.

CCA sent to robinson way Halifax cc. 22/02/07~Sold on to Aktiv Kapital~How can you take them seriously when they can't spell properly

Data Protection Act sent to HBOS Current Account 22/02/07~All quiet

Over 2 yaers I've been a member~Doesn`t time fly when your having fun~or beating DCA's at their own game

 

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style="text-align:center;"> Please note that this topic has not had any new posts for the last 3342 days.

If you are trying to post a different story then you should start your own new thread. Posting on this thread is likely to mean that you won't get the help and advice that you need.

If you are trying to post information which is relevant to the story in this thread then please flag it up to the site team and they will allow you to post.

Thank you
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