Jump to content


  • Tweets

  • Posts

    • It’s all unsecured loans and credit cards. Mainly loans now though as most credit cards are paid off.   so 95% unsecured loans.   I just don’t know my situation job wise it’s almost impossible to say whether it’s likely or not just don’t want to be caught out by it. My mental health trying to pay this off has taken a huge hit also if I’m being honest. I feel like mentally I need some kind of respite and the credit file cost is something I can accept also. 
    • Depends on whether part of the roof needs to be replaced and whether it is a standard roof type,  but the works should only take a day or two. Someone I know had a whole semi-detached roof replaced in about 12 hours. Suggest you put it in writing to the business about the issues you mention in your post.  Also as business premises, you could also apply pressure by contacting local Council if necessary. 
    • Thank goodness it's not your roof and you get to foot the bill! How big are these bits of mortar? How often are they falling into your garden? Hourly, daily? Just go ahead with your plans, of course, they're not going to be worried by your time pressures and the urgency of the situation, so simply carry on as you would have done and I'm sure everything will go fine. Unless there is a danger to life and serious structural issues which mean you cannot venture into your garden, then IMHO there is little more you can do less for what you have done so already and made them aware of the issue.
    • Hi all!   Thank you in advance for any help you can give me!!    I parked up (at 18:08) in a rush, entered my Reg and paid for an hour of parking. At 18:20 I got a ticket for not paying for parking.    I've just looked at my receipt and noticed why ... I put "22" instead of "21"  when i put in my Reg. yes... what a stupid mistake.    I seem to remember there being a court case or a rule change about entering the wrong reg but the company wasn't at a loss because i had paid for the parking just technically for the wrong car. Am i making that up?    Any advice would be gratefully received, even some key points i have to hit when doing the appeal      
    • You haven't returned to the thread to give us your views, but a couple of other things strike me which you should consider: 1. You say that at no time was your father's licence revoked by the DVLA. It didn't have to be revoked. It expired in September and his "entitlement to drive" (of which the licence provides proof) expired along with it. He could only continue driving whilst his application was being processed by virtue of s88, and it seems clear to me (based on what you have said) that he was not able to take advantage of the benefits provided by that section. 2. The letter he received threatening to revoke his licence was probably a template letter sent when any medical issues are brought to the attention of the DVLA. But it is clear that beyond September until it was eventually renewed, your father had no valid licence to be revoked. I believe a "not guilty" plea in court will fail. The basic facts are that your father's licence expired in September, it was not renewed until February because the DVLA were looking into his medical declaration and he could not take advantage of s88. So in December he had no licence and no entitlement to drive under s88. The facts that he believed he was fit to drive and that his licence was eventually renewed may mitigate the offence but they do not provide a defence. I also asked whether he had received a summons (very unusual these days) or whether he had received a "Single Justice Procedure Notice". The way to proceed from here differs slightly depending on what he has received so if you let me know, I'll advise further.  
  • Recommended Topics

  • Our picks

    • 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
        • Like
  • Recommended Topics

Lowell again again and prob again too


style="text-align: center;">  

Thread Locked

because no one has posted on it for the last 5811 days.

If you need to add something to this thread then

 

Please click the "Report " link

 

at the bottom of one of the posts.

 

If you want to post a new story then

Please

Start your own new thread

That way you will attract more attention to your story and get more visitors and more help 

 

Thanks

Recommended Posts

hi folks

got a are you this person who lived at this address three years ago letter from the lowell portfolio bout three weeks ago was adised by you folks to ignore it so i did,the follow up has arrived and its capital one on my case this ones from lowell financial tho.these lovely people want to give me the opportunity to discuss how we can work together to find a solution to clear my outstanding balance but untill i contact them they wont be able to offer their assistance :lol:

soz lowell but i dont think there`s a law that says i have to pay the debts of everyone else that just happens to share my name.

I was thinking of going with this letter

 

Dear Sir/Madam

 

You have contacted me/us regarding the account with the above reference number, which you claim is owed by myself/ourselves.

 

I/we would point out that I/we have no knowledge of any such debt being owed to (insert company name).

 

I am/we are familiar with the Office of Fair Trading Debt Collection Guidance which states that it unfair to send demands for payment to an individual when it is uncertain that they are the debtor in question.

 

I/we would also point out that the OFT say under the Guidance that it is unfair to pursue third parties for payment when they are not liable. In not ceasing collection activity whilst investigating a reasonably queried or disputed debt you are using deceptive/and or unfair methods.

 

Furthermore ignoring and/or disregarding claims that debts have been settled or are disputed and continuing to make unjustified demands for payment amounts to physical/psychological harassment.

 

I/we would ask that no further contact be made concerning the above account unless you can provide evidence as to my/our liability for the debt in question.

 

I/we await your written confirmation that this matter is now closed. Otherwise I will have no option but to make a complaint to the trading standards department and consider informing the OFT of your actions.

 

I/we look forward to your reply.

 

Yours faithfully

 

any input before i commit would be muchly appreciated ;)

S.C

Do you have a website? Add the following code to add a link to The Consumer Action Group:

 

<a href="http://www.consumeractiongroup.c o.uk"><b><font color="#FF0000" face="Verdana, Arial, Helvetica, sans-serif">The Consumer Action Group</font></b></a> - <font color="#FF9900" face="Verdana, Arial, Helvetica, sans-serif">Reclaim the Right as a consumer and reclaim your unfair bank charges! Free site with letter templates and helpful forum.</font>

 

IF I`VE BEEN OF HELP PLEASE TICKLE MY SCALES :D

Link to post
Share on other sites

  • Replies 78
  • Created
  • Last Reply

Top Posters In This Topic

Top Posters In This Topic

Hi S.C,

 

Yep that's the one :) Make them prove it.

 

Good luck and best wishes.

 

PS: DO NOT SIGN IT, print your name. Send recorded and keep copies of everything.

Edited by babybear39
Forgot something
  • Haha 1
Link to post
Share on other sites

Lowell seem to deal solely with SB and unenforceable debt. With this new unfair trading legislation coming into effect, why have they still got a CC license?? They are the lowest of the low and arguably one of the most persistent and bullying of them all. They make constant threats that they won't or can't carry out, and yet still they continue to write such crap as "we have reason to believe you used to live at xxx address, if you do not respond" etc, etc......

 

I was told about 18 months the OFT were looking into them. I know things changed recently with regards to OFT's interest and powers in such matters.....but why is nothing being done about the way Lowell operate??? All that scattergun approach stuff was supposedly outlawed years ago!!

 

I wish I could get a CC license and hold people to ransom over unsubstantiated debts...........

  • Haha 1

HOIST BY THEIR OWN PETARD.

 

Blimey it works....:-)

Link to post
Share on other sites

what are the chances of me billing them for the postage etc then surely if they dont pay i can send the enemy round to mr bartle :p

Do you have a website? Add the following code to add a link to The Consumer Action Group:

 

<a href="http://www.consumeractiongroup.c o.uk"><b><font color="#FF0000" face="Verdana, Arial, Helvetica, sans-serif">The Consumer Action Group</font></b></a> - <font color="#FF9900" face="Verdana, Arial, Helvetica, sans-serif">Reclaim the Right as a consumer and reclaim your unfair bank charges! Free site with letter templates and helpful forum.</font>

 

IF I`VE BEEN OF HELP PLEASE TICKLE MY SCALES :D

Link to post
Share on other sites

Hi S.C,

 

Yep that's the one :) Make them prove it.

 

Good luck and best wishes.

 

PS: DO NOT SIGN IT, print your name. Send recorded and keep copies of everything.

went for one of those natty signature creators in the end.got visions of all the f**kwits trying to work out if its my signature on the agreement,that`s assuming they have anything with a signature on it.:confused:

S.C

Do you have a website? Add the following code to add a link to The Consumer Action Group:

 

<a href="http://www.consumeractiongroup.c o.uk"><b><font color="#FF0000" face="Verdana, Arial, Helvetica, sans-serif">The Consumer Action Group</font></b></a> - <font color="#FF9900" face="Verdana, Arial, Helvetica, sans-serif">Reclaim the Right as a consumer and reclaim your unfair bank charges! Free site with letter templates and helpful forum.</font>

 

IF I`VE BEEN OF HELP PLEASE TICKLE MY SCALES :D

Link to post
Share on other sites

oh and i think i`ve worked out how they think they`ve found the person they are looking for.got collared by some woman at a garage asking if i wanted their fuel credit card.could there be a data protection issue going on here ?

S.C

Do you have a website? Add the following code to add a link to The Consumer Action Group:

 

<a href="http://www.consumeractiongroup.c o.uk"><b><font color="#FF0000" face="Verdana, Arial, Helvetica, sans-serif">The Consumer Action Group</font></b></a> - <font color="#FF9900" face="Verdana, Arial, Helvetica, sans-serif">Reclaim the Right as a consumer and reclaim your unfair bank charges! Free site with letter templates and helpful forum.</font>

 

IF I`VE BEEN OF HELP PLEASE TICKLE MY SCALES :D

Link to post
Share on other sites

went for one of those natty signature creators in the end.got visions of all the f**kwits trying to work out if its my signature on the agreement,that`s assuming they have anything with a signature on it.:confused:

S.C

 

I'd love to see them send you a copy of a CCA with that on it :lol:

 

TBH though it wouldn't surprise me :roll:

 

As for the woman at the garage, what info did you give her?

Link to post
Share on other sites

hi

gave her very little info think twas just name and address maybe d.o.b cos i remember thinking she didn`t wanna know much for a credit card and coincidently (god my spelling is atrocious i`ve got to check every word with more than six syllables even syllables) on the same day as the are you this person letter i got a letter off them asking me to phone them,i didnt bother

S.C

  • Haha 1

Do you have a website? Add the following code to add a link to The Consumer Action Group:

 

<a href="http://www.consumeractiongroup.c o.uk"><b><font color="#FF0000" face="Verdana, Arial, Helvetica, sans-serif">The Consumer Action Group</font></b></a> - <font color="#FF9900" face="Verdana, Arial, Helvetica, sans-serif">Reclaim the Right as a consumer and reclaim your unfair bank charges! Free site with letter templates and helpful forum.</font>

 

IF I`VE BEEN OF HELP PLEASE TICKLE MY SCALES :D

Link to post
Share on other sites

  • 2 weeks later...

hi folks

got my reply today from the prove i`m this person letter apparently they are looking into my enquiry and will respond to me as soon as possible

and i`m to be assured that they will try to resolve my enquiry at their earliest convenience

unfortunately they cant give me an exact date when this will be as they have to retrieve information from the original client or external bodies but they can guarantee that my enquiry is being delt with and i have no need to write again

any ideas what to do next,ignore it or can i push some more (please say yes) i`m tempted to send one along the lines of "as long as you dont break the data protection act while you are checking up" surely this is not the end of it :eek:

S.C

Do you have a website? Add the following code to add a link to The Consumer Action Group:

 

<a href="http://www.consumeractiongroup.c o.uk"><b><font color="#FF0000" face="Verdana, Arial, Helvetica, sans-serif">The Consumer Action Group</font></b></a> - <font color="#FF9900" face="Verdana, Arial, Helvetica, sans-serif">Reclaim the Right as a consumer and reclaim your unfair bank charges! Free site with letter templates and helpful forum.</font>

 

IF I`VE BEEN OF HELP PLEASE TICKLE MY SCALES :D

Link to post
Share on other sites

Here's one I prepared earlier

 

STATUTORY NOTICE UNDER S10 DATA PROTECTION ACT 1998

At NO time have I given my written permission for you or your company to process my data

 

Therefore Take Notice that I require that you cease from processing within 7 days of the receipt by you of this notice or else that you do not begin to process any personal data of which I am the subject insofar as that processing involves the communication or passing of personal data of which I am the subject to any third party and insofar as the said data relates wholly or in part to the implementation by you of charges which have been applied to my account in respect of defaults or contractual breaches and where the said charges which have been levied at a rate which is in excess of the administrative costs incurred by you as a consequence of the said defaults or breaches contrary to The Common Law.

 

This Notice is given on the grounds that the processing or continued processing by you of the said data will be likely to affect my credit rating and my reputation and cause substantial damage and/or substantial distress to me and my family members in addition to that which may already have been caused and that as the processing of the said data in the way referred to in this notice would violate the first, fourth and sixth principles of The Data Protection Act 1998 to do so would be unwarranted.

Failure to remove ALL my data from your databases will result in a formal complaint to the Information Commissioners’ Office.

  • Haha 1

Link to post
Share on other sites

thanx for that i`ll be posting it on monday :lol:

S.C

Do you have a website? Add the following code to add a link to The Consumer Action Group:

 

<a href="http://www.consumeractiongroup.c o.uk"><b><font color="#FF0000" face="Verdana, Arial, Helvetica, sans-serif">The Consumer Action Group</font></b></a> - <font color="#FF9900" face="Verdana, Arial, Helvetica, sans-serif">Reclaim the Right as a consumer and reclaim your unfair bank charges! Free site with letter templates and helpful forum.</font>

 

IF I`VE BEEN OF HELP PLEASE TICKLE MY SCALES :D

Link to post
Share on other sites

Yay :D

is this spose to be fun :)

S.C

Do you have a website? Add the following code to add a link to The Consumer Action Group:

 

<a href="http://www.consumeractiongroup.c o.uk"><b><font color="#FF0000" face="Verdana, Arial, Helvetica, sans-serif">The Consumer Action Group</font></b></a> - <font color="#FF9900" face="Verdana, Arial, Helvetica, sans-serif">Reclaim the Right as a consumer and reclaim your unfair bank charges! Free site with letter templates and helpful forum.</font>

 

IF I`VE BEEN OF HELP PLEASE TICKLE MY SCALES :D

Link to post
Share on other sites

Here's one I prepared earlier

 

STATUTORY NOTICE UNDER S10 DATA PROTECTION ACT 1998

 

At NO time have I given my written permission for you or your company to process my data

 

Therefore Take Notice that I require that you cease from processing within 7 days of the receipt by you of this notice or else that you do not begin to process any personal data of which I am the subject insofar as that processing involves the communication or passing of personal data of which I am the subject to any third party and insofar as the said data relates wholly or in part to the implementation by you of charges which have been applied to my account in respect of defaults or contractual breaches and where the said charges which have been levied at a rate which is in excess of the administrative costs incurred by you as a consequence of the said defaults or breaches contrary to The Common Law.

 

This Notice is given on the grounds that the processing or continued processing by you of the said data will be likely to affect my credit rating and my reputation and cause substantial damage and/or substantial distress to me and my family members in addition to that which may already have been caused and that as the processing of the said data in the way referred to in this notice would violate the first, fourth and sixth principles of The Data Protection Act 1998 to do so would be unwarranted.

 

 

Failure to remove ALL my data from your databases will result in a formal complaint to the Information Commissioners’ Office.

 

hi folks

i got a reply to this today and i`m baffled,hope you can help it goes like this

 

re subject access request

we refer to your correspondence regarding the above matter

we can confirm we have recieved your request for data subject access

all information that we hold in relation to this account will be forwarded to you within the 40 day time period

we will advise you further if it will take longer than the prescribed period to supply the required information

 

aaaaaaaaaaargh whats that mean besides they are sending me stuff and can they send me someone elses stuff without breaking the data protection act even if we have the same name

S.C

Do you have a website? Add the following code to add a link to The Consumer Action Group:

 

<a href="http://www.consumeractiongroup.c o.uk"><b><font color="#FF0000" face="Verdana, Arial, Helvetica, sans-serif">The Consumer Action Group</font></b></a> - <font color="#FF9900" face="Verdana, Arial, Helvetica, sans-serif">Reclaim the Right as a consumer and reclaim your unfair bank charges! Free site with letter templates and helpful forum.</font>

 

IF I`VE BEEN OF HELP PLEASE TICKLE MY SCALES :D

Link to post
Share on other sites

god your on the ball have you got some kinda sixth sense regarding the lowell fools

its not only them thats confused

:confused:

Do you have a website? Add the following code to add a link to The Consumer Action Group:

 

<a href="http://www.consumeractiongroup.c o.uk"><b><font color="#FF0000" face="Verdana, Arial, Helvetica, sans-serif">The Consumer Action Group</font></b></a> - <font color="#FF9900" face="Verdana, Arial, Helvetica, sans-serif">Reclaim the Right as a consumer and reclaim your unfair bank charges! Free site with letter templates and helpful forum.</font>

 

IF I`VE BEEN OF HELP PLEASE TICKLE MY SCALES :D

Link to post
Share on other sites

  • Recently Browsing   0 Caggers

    • No registered users viewing this page.

  • Have we helped you ...?


×
×
  • Create New...