Jump to content


  • Tweets

  • Posts

    • This must be part of the new tactic from Evri.  They know they are going to lose. They take it to the wire and then don't bother to turn up in order to save themselves costs and of course they don't give a damn about the cost to the British taxpayer and the extra court delays they cause. This is a nasty dishonest company – but rather in line with all of the parcel delivery industry which knows that their insurance requirements are unlawful. They know that their prohibited items are for the most part unfair terms. They know for the most part that a "safe place" is exactly what it means – are not left on somebody's doorstep in full view. They know that obtaining a signature means that they have to show the signature not simply claim that they received a signature. They are making huge profits especially from their unlawful and unenforceable insurance requirement. Although this is less valuable than the PPI scandal, in terms of the number of people who are affected nationwide, PPI pales into insignificance. I hope the paralegals working for Evri are proud of themselves and they tell their families what they have done during the day when they go home.
    • Your PCN does not comply with the Protection of freedoms Act 2012 Schedule 4 Section 9[2][a] (a)specify the vehicle, the relevant land on which it was parked and the period of parking to which the notice relates; The only time on the PCN is 17.14. That is only  a time for there to be a period there would have to be a start and and end time mentioned. of course they do show the ANPR arrival and departures  times but that is not the parking period and their times are on the photographs not on the PCN. They also failed to comply with S.9[2][f] as they omitted to say that they could only pursue the keeper if they complied with the Act. That means that they can only pursue the driver as the keeper cannot be held liable for the charge. As they do not know who was driving and Courts do not accept that the driver and the keeper are the same person they will struggle to win. Especially as so many people are able to legally drive your car and you haven't appealed giving them no indication therefore of who was driving. Small nitpicking point-the date of Infringement was 22/04/2024. They appear to be saying that they can charge an extra amount [up to £70 ] if they have to use a debt collector. You do not have a contract with a debt collector so they cannot add that cost. You paid for four hours so it can only be the 15 minutes they are complaining about. You are entitled to a ten minute minimum grace period at the end of the parking period which would be easier to explain if the car park had been bigger. However if you allow for two minutes to park and two minutes to leave that gives you one minute to account for. Things like being held on the way out by cars in front waiting to get on to Northgate or even your own car being held up trying to get on to Northgate at a busy time. then other considerations like having to stop to allow pedestrians to walk in front of you or being held up by another car doing a u turn in front of your car. you would have to check with the driver and see if they could account for an extra one minute things like a disabled passenger or having to strap in a child . I am not advocating lying since that could lead to serious problems [like jail time] but there can be an awful lot of minor things that can cause a hold up of a minute even the engine not starting straight away or another car being badly parked as examples. Sadly you cannot include the 5 minute Consideration period as both IPC and BPA fail to comply with the convention that you can include that time with the Grace period.  
    • Defence struck out not case struck out...you have judgment  Well done topic title updated Regard's Please consider making a donation if not already to support us to help others.   Andy.   .
    • Hi all, I wanted to update you and thank you all for your help. I am delighted announce that after the case was struck out due to no response from Evri, judgement was issued after I submitted the forms and I was just about to take it to warrant.  today I received an email from the claims department requesting my bank details to make payment for my full award. The process has been long since the initial proceedings  in January i must say your help and guidance has been greatly appreciated.  
    • Quote of the century "Farage pops up when the country’s at a low ebb; like a kind of political herpes" - Frankie Boyle Updates
  • 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 Portfolio (Barclays) have issued a County Court Claim....help!


classylady18
style="text-align: center;">  

Thread Locked

because no one has posted on it for the last 5778 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

  • Replies 162
  • Created
  • Last Reply

Top Posters In This Topic

Top Posters In This Topic

I think? there are two forms of assignment, one equitable (rights and benefits), and one absolute (with obligations)

 

 

How you find out from them I dont know? but once you put your counterclaim in, I am sure you will soon find out:grin:

 

Lowell will be Equitable - they buy the rights and benefits but the obligations belong with the original creditor who was responsible for the build up of any illegal charges etc

 

Sorry about lateness of reply

Link to post
Share on other sites

On assignment - this assignment is contractual under the Law of Property Act 1925 rather than in equity.

 

One question - is this for back charges or credit card charges? (they are different in that the former are covered by the test case and the latter not, a case for the former is likely to be stayed) - I'm assuming this is bank charges.

 

Since the two cases (Lowells chasing you and you chasing Barclays) are seperate, what would happen is that Lowells case would go ahead, probably ending with a CCJ for you, and the Barclays case wouldbe stayed pending the test case outcome (2 years?). Eventually, you would get the money but would have been paying Lowells and living with a CCJ in the meantime.

If any one thinks otherwise or can think of a different way forward, please say so - I am thinking aloud a bit here.

 

IMHO you need to get the two cases linked and then stayed. Once the test case is over, the case can go ahead and Barclays debt to you will pay yours to Lowells and leave you with some over, particularly as interest will accrue in the meantime.

 

So I think you do need to add Barclays - details of adding parties are here

 

I don't think you will gey Barclays to willingly agree, so you will have to apply for a court order using a form N244 and pay £75. There may be a fee for the counter claim too, which you would get back.

 

So, you make an application for three things:

 

1. that, since the debt to Lowells is made up entirely of charges (which you assert to be unlawful and which are currently the subject of a test case between the OFT and Abbey National plc and 7 others) added to the account by Barclays, you ask the court for an order joining Barclays to the case pursuant to CPR Part 19.2 (2) (a)&(b)

 

2. that, since the charges are the subject of the above mentioned case and Barclays is a party to that case also, that this case be stayed pending the outcome of the test case.

 

3. that you be given the right to amend your defence and submit a counterclaim once the OFT case is resolved.

 

How does that sound? Anyone?

Edited by steven4064
LPA is 1925 not 1920

 

 

Link to post
Share on other sites

I am really worried now that i am going to get a CCJ. I wish i hadnt sent my AOS saying i was going to defend, i feel like i have opened a can of worms here. I dont feel experienced enough to fight this.

 

I am seriously considering trying to get an advanc eon my mortgage to pay this off.

Link to post
Share on other sites

Classylady

 

Please don't panic

 

I think you have a really good chance of heading off a CCJ - after all you do not owe this money. In fact they owe you.

 

Where is the case now? Have you been sent an allocation questionnaire yet?

 

Wait a little while and see what anyone else thinks about my strategy. I have had one comment so far from another team member.

 

Then we'll help you get an application in and see these pond-life off.

 

 

Link to post
Share on other sites

I think you should write to Barclays as soon as possible asking them to be joined to the case (they will almost certainly refuse, but I think you have to ask)

[your address]

 

Barclays Legal and Compliance

Litigation and Disputes

Level 29

One Churchill Place

London

E14 5HP

 

[date]

 

Dear Sirs

 

Account number: xxxxxxxxxxxx

The above account held by myself was sold to Lowells despite the fact that the balance is made up entirley of bank charges and interest levied thereon.

 

Lowells are currently taking me to court for recovery of this balance (Claim number XXXXXX in the XXXXX County Court).

 

As you are aware, the charges levied on this account by Barclays are currently the subject of a test case (OFT -v- Abbey National plc and 7 others) before Mr Justice Smith and to which Barclays are a party.

 

Since this is material to Lowells case against me, I wish to joint Barclays to that case pursuant to CPR Part 19.2 (2)(a)&(b) so that the matters in dispute can be resolved and to which matters Barclays are obviously connected.

 

Please confirm your agreement to Barclays being joined to case XXXXXX. If I do not hear from you within 7 days from receipt of this letter, I will assume your agreement.

 

Yours failthfully

 

Classylady

Send a copy of the letter to the court and to Lowells. Edited by steven4064
spurious smiley

 

 

Link to post
Share on other sites

Hi Steven,

 

I have not had an allocation questionnaire sent to me yet. I received the initial Claim Form from Northampton Courts dated 21st July, the 14 days days are up on friday i think. They should have recieved my acknowledgement of service yesterday (i hope).

 

Do they send me an allocation questionnaire out when i they receive my form back?

 

I will send this letter to Barclays today and copy to Lowells and Northampton Court.

 

I'll try not to panic..! ;)

 

your help is really appreciated Steven

Link to post
Share on other sites

Steven - As the account is no longer open do i need to reword this bit....

 

The above account held by myself was sold to Lowells despite the fact that the balance is made up entirley of bank charges and interest levied thereon.

Link to post
Share on other sites

You should sign these letter. It's only when there is a disputed CC agreements that you need to be careful.

 

Yes, amend the sentence as you suggest.

 

You will be sent an AQ by the court in due course. If the initial claim form was dated 21 July, you have until 18 August to get in you defence.

 

I think you should also write to Lowells asking for a copy of the Notice of Assignment that you should have been sent to comply with s136 of the Law of Property Act 1925 when they aquired the alleged debt. Let's put pressure on these guys. Again copy the letter to the court.

 

 

Link to post
Share on other sites

If your really worried about this and this is just a thought why dont you approach Lowell, in writing if thats your preference and ask if they would consider an out of court settlement whereby you pay by instalments, worst case scenario they may want you to sign a consent order saying they can go for CCJ if you fall behind with the instalments so set the level realistic

 

Other than that if you want to fight it follow the above good advice

Link to post
Share on other sites

I have a letter from lowell informing me that the debt had been sold on 30/01/2008 and been appointed as collection agents. Is this the notice of assignment??
I think that is the notice of assignment. I hadn't realised it ws so recent - often you can catch these people out because their admin is appalling.

 

I don't think you need to choose between the two approaches. It is still early days. You could try and get it stayed as I have suggested and, if that fails, come to an arrangement with Lowells before any court date. You probably have several months before any reasonable court date. However, I think you have a strong case to bring in Barclays and get the whole thing stayed. Even better, there is a good chance that Lowells will send the whole thing back to Barclays.

 

 

Link to post
Share on other sites

Just a quick question....

 

I have never asked Lowells for any CCA for my debt, is this something i should try and obtain from them? I have a feeling that they wont have anything to produce - as far as i can remember i increased my overdraft over the phone so woulnt have signed anything...

 

Any ideas??

Link to post
Share on other sites

Hi,

 

Can somebody help me draft a letter to Lowells offering a repayment of £30 a month if they can withdraw the court claim against me. I'm thinking of going down this route after having a good think about my options.

 

I am really struggling to raise the court fee to defend their claim so i feel i have no other option.

 

I hope someone can help...

 

Thanks CL

Link to post
Share on other sites

  • Recently Browsing   0 Caggers

    • No registered users viewing this page.

  • Have we helped you ...?


×
×
  • Create New...