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    • the claimant in their WS can refer to whatever previous CC judgements they like, as we do in our WS's, but CC judgements do not set a legal precedence. however, they do often refer to judgements like Bevis, those cases do created a precedence as they were court of appeal rulings. as for if the defendant, prior to the raising of a claim, dobbed themselves in as the driver in writing during any appeal to the PPC, i don't think we've seen one case whereby the claimant referred to such in their WS.. ?? but they certainly typically include said appeal letters in their exhibits. i certainly dont think it's a good idea to 'remind' them of such at the defence stage, even if the defendant did admit such in a written appeal. i would further go as far to say, that could be even more damaging to the whole case than a judge admonishing a defendant for not appealing to the PPC in the 1st place. it sort of blows the defendant out the water before the judge reads anything else. dx  
    • Hi LFI, Your knowledge in this area is greater than I could possibly hope to have and as such I appreciate your feedback. I'm not sure that I agree the reason why a barrister would say that, only to get new customers, I'm sure he must have had professional experience in this area that qualifies him to make that point. 🙂 In your point 1 you mention: 1] there is a real danger that some part of the appeal will point out that the person appealing [the keeper ] is also the driver. I understand the point you are making but I was referring to when the keeper is also the driver and admits it later and only in this circumstance, but I understand what you are saying. I take on board the issues you raise in point 2. Is it possible that a PPC (claimant) could refer back to the case above as proof that the motorist should have appealed, like they refer back to other cases? Thanks once again for the feedback.
    • Well barristers would say that in the hope that motorists would go to them for advice -obviously paid advice.  The problem with appealing is at least twofold. 1] there is a real danger that some part of the appeal will point out that the person appealing [the keeper ] is also the driver.  And in a lot of cases the last thing the keeper wants when they are also the driver is that the parking company knows that. It makes it so much easier for them as the majority  of Judges do not accept that the keeper and the driver are the same person for obvious reasons. Often they are not the same person especially when it is a family car where the husband, wife and children are all insured to drive the same car. On top of that  just about every person who has a valid insurance policy is able to drive another person's vehicle. So there are many possibilities and it should be up to the parking company to prove it to some extent.  Most parking company's do not accept appeals under virtually any circumstances. But insist that you carry on and appeal to their so called impartial jury who are often anything but impartial. By turning down that second appeal, many motorists pay up because they don't know enough about PoFA to argue with those decisions which brings us to the second problem. 2] the major parking companies are mostly unscrupulous, lying cheating scrotes. So when you appeal and your reasons look as if they would have merit in Court, they then go about  concocting a Witness Statement to debunk that challenge. We feel that by leaving what we think are the strongest arguments to our Member's Witness Statements, it leaves insufficient time to be thwarted with their lies etc. And when the motorists defence is good enough to win, it should win regardless of when it is first produced.   
    • S13 (2)The creditor may not exercise the right under paragraph 4 to recover from the keeper any unpaid parking charges specified in the notice to keeper if, within the period of 28 days beginning with the day after that on which that notice was given, the creditor is given— (a)a statement signed by or on behalf of the vehicle-hire firm to the effect that at the material time the vehicle was hired to a named person under a hire agreement; (b)a copy of the hire agreement; and (c)a copy of a statement of liability signed by the hirer under that hire agreement. As  Arval has complied with the above they cannot be pursued by EC----- ------------------------------------------------------------------------------------------------------------------------------------------------------------------- S14 [1]   the creditor may recover those charges (so far as they remain unpaid) from the hirer. (2)The conditions are that— (a)the creditor has within the relevant period given the hirer a notice in accordance with sub-paragraph (5) (a “notice to hirer”), together with a copy of the documents mentioned in paragraph 13(2) and the notice to keeper; (b)a period of 21 days beginning with the day on which the notice to hirer was given has elapsed;  As ECP did not send copies of the documents to your company and they have given 28 days instead of 21 days they have failed to comply with  the Act so you and your Company are absolved from paying. That is not to say that they won't continue asking to be paid as they do not have the faintest idea how PoFA works. 
    • Euro have got a lot wrong and have failed to comply with the Protection of Freedoms Act 2012 Schedule 4.  According to Section 13 after ECP have written to Arval they should then send a NTH to the Hirer  which they have done.This eliminates Arval from any further pursuit by ECP. When they wrote to your company they should have sent copies of everything that they asked Arval for. This is to prove that your company agree what happened on the day of the breach. If ECP then comply with the Act they are allowed to pursue the hirer. If they fail, to comply they cannot make the hirer pay. They can pursue until they are blue in the face but the Hirer is not lawfully required to pay them and if it went to Court ECP would lose. Your company could say who was driving but the only person that can be pursued is the Hirer, there does not appear to be an extension for a driver to be pursued. Even if there was, because ECP have failed miserably to comply with the Act  they still have no chance of winning in Court. Here are the relevant Hire sections from the Act below.
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lowells again


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Hi all. I have a problem with Lowells and don't quite know what to do.

A few years ago I suffered a massive depression and didn't pay my credit card bill with capital one and didn't reply to letters. Capital one sold my debt on and in 2007 Lowells contacted me and said that i owed them nearly a grand. I wrote back acknowledging that i did owe the money and offered them £5 a month (I'm now on benefits) . A letter came back dated 12 april 2007accepting my offer for six months but within 4 days of that letter another came (16/04/07) asking me to contact them. As i had an agreement sorted, I didn't bother. Three more letters came (08/05-15/05&04/06/07) all with varying levels of threats of legal action which i ignored (depression setting in again) When the legal letter from Hamptons arrived I thought I had to deal with this so I rang them. I have never felt so bullied in my life. this guy harrased me into giving my financial details over the phone and i got so stressed that i couldn't remember everything i had to pay out. I ought to mention that I am registered disabled and get high rate disability living allowance (mobility) and I'm chronically sick. The guy wanted to know all my income and then pressurised me into offering £15 a month instead of the £5 i was already paying. Through all of this I was paying into their account via Barclays Bank which was okay by me.

I sent them a letter complaining about the way i was treated by this muppet and told them that all further communication would be by letter as i couldn't cope with the harrasment. No reply. all went well until January this year when they sent me a letter saying that i had to set up adirect debit with them. i sent a letter back saying no as they would be able to vary the amounts taken. More threatening letters. In may and june they sent me standing order mandates which i filled in and sent back. Unfortunately My bank account does not do standing orders so I contacted Lowells and told them so. they replied saying they would put my account on hold an contact me in due course. since that time i have sent them 4 postal orders as my monthly payment and 3 letters asking them to allow me to pay via the bank as postal orders cost more than the bank. Have i had a reply. have i heck. In my last letter i said that if they do not reply this time i would hold my payment back and seek advice but I'm not sure if that's the right thing to do.

Im sorry if this is long winded but it helps to get it off my chest. With the increase in my outgoings due to the economy I'm finding things a struggle so my questions are: Are lowells allowed to take into account my disability living allowance when working out how much i should be paying: Are they allowed to ignore letters sent to them and: I want to reduce my monthly payments to a level i can afford. My outgoings a high because of my health and mobility problems.

Just a foot note. I also have a debt bought by cabot and i have had no problems with them at all.

Many thanks in advance

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This behaviour by these clowns is totally unnacceptable. Send them the following letter which if they do not produce a valid Consumer Credit Agreement within 12 working days means they are in Default and you can legally stop all payments to them. If you got your Crapone card over 5 years or so ago it its very unlikely thet Lowells will be able to come up with a valid agreement. Under NO CIRCUMSTANCES should you ever speak to them on the phone. They have no Legal powers whatsoever. Hampton Legal is just another desk in Lowells Leeds Threat Centre. They print out the same nonsense on different notepaper.

 

I DO NOT ACKNOWLEDGE ANY DEBT TO YOUR COMPANY OR ANY COMPANY YOU CLAIM TO REPRESENT

 

Re: Account no: xxxxxxxx

 

This letter is a formal request pursuant to s.77/78 of the Consumer Credit Act 1974. I require you to provide me with a true copy of the credit agreement relating to the above account, together with any other documentation the Act requires you to provide.

 

I expect you to comply fully and properly with this request, within the statutory time limit. You are reminded that should you fail to comply with my request, the provisions of s.77(6) will apply.

 

If it is your view that you are not the creditor, s.175 of the CCA 1974 applies in the case of a simple assignment, and places a duty upon you to pass this request to the creditor. In the case of an absolute assignment, you are a creditor as defined by s.189. If you contend that you purchased the rights but not the duties of any agreement, you are reminded that s.189 of the Act is clear that an assignment is of both rights and duties.

 

Your attention is drawn to ss.5(2), 3(b),6 and 7 of the Consumer Protection from Unfair Trading Regulations 2008 (CPUTR).

 

I enclose a postal order in the sum of £1.00, which is the statutory fee. Note that these funds are not to be used for any other purpose.

 

If you are unable to comply fully and properly with this request, you should confirm this in writing at the earliest opportunity, and certainly within the statutory time limit for compliance, and return the fee.

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With the greatest respect, Lowells must love you - they say jump, you say how high?

Please cease all payments to these clowns immediately.

They have no power or authority to be obtaining money off you in any way shape or form without going through a county court 1st.

If they ring you again, refuse to answer any security questions & tell them that you stopping payments right away for the reason above.

They will kick,scream & throw their toys out the pram - but tough, stand your ground with them.

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OK, these people need putting in their place for starters.

 

1. only pay them what you can afford

2. did you request the credit agreement from them to verify they are allowed to collect the said debt?

3. are there any late charges you can reclaim

4. never phone these people

5. request their complaints procedure again and complain to TS and OFT about their abusive behaviour

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Sorry to hear that these lowlifes have made your life a misery, you have found the CAG now so things will get a lot better from here on in.

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WOW! I only posted my thread a few minutes ago and what a response. I will follow all the advice and let you know how i get on. many thanks:)

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The OP is under no obligation to pay a single penny without a county courts say so first.

 

Yes I know but some people feel uncomroftable about not repaying, as stated in the first post he was happy to provide a fiver a month, it was only when they got greey that he came here, as is usually the case:)

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Yes I know but some people feel uncomroftable about not repaying, as stated in the first post he was happy to provide a fiver a month, it was only when they got greey that he came here, as is usually the case:)

 

Its up to us to teach those people that any £1 spent without a CC's say so, is a £1 wasted ;)

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But its not up to us to advocate debt avoidance

 

How is it debt avoidance exactly? :confused:

Its about realizing that DCA's are powerless companies with no authority whatsoever & do not have to be paid a penny ever.

The courts do & i fully respect them - but DCA's no.

Edited by mr.ton
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I was nearly moved to tears by your first post and then I suddenly realised this appalling bully boy behaviour from lowells had brought you here.

 

They won't like that!

 

Send that letter and come back here whenever you need more help. You are amongst friends!

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I don't think taking up Lowell, or any other DCA's offer of a Court hearing would be classed as debt avoidance/evasion.

 

Too often we read and hear complaints from people who are driven to the brink over debts which they may not even owe. DCA's don't care who pays them as long as somebody does. A lot of problems could be solved on both sides if we can break that typically British quality of just rolling over and taking it up the chutney when someone mentions 'court' without even having the sense to ask "With whom am I having the pleasure?" and "Why?".

 

How many people have spent months suffering torrents of abuse over the 'phone and wading through tons of wasted paper, when all you wanted was an opportunity to say your piece in court in the first place??

 

It's important people know that County Courts do not exist to enforce the will of DCA's - they are there to resolve disputes, stop the bullying, and see the debt is repaid at an affordable rate.

 

Just to clarify, the OP states they are receiving DLA, that has legal implications in terms of debt recovery, and so a County Court may be the best option - but the only way you'll get Lowell to make a move (if they can) is to ignore them - the alternative is to suffer months/years of abuse paying way over the odds of what they paid for it in the first place.

 

:)

Edited by dannyboy660
clarification of my waffle....poisonous monkeys.....

HOIST BY THEIR OWN PETARD.

 

Blimey it works....:-)

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Whether you class it as Debt Avoidance or not. Lowell purchased this alleged debt for about 10p in the pound. In doing so they take a gamble.

 

Will they Con someone into paying

 

Will the person insist on their Legal rights

 

Whether you regard not paying a DCA as Debt Avoidance or Not there is no excuse for their GREEDY Bullyboy Tactics in pressurising people into making payments they cannot afford. If Lowells cannot produce ALL the proper paperwork then why should they be paid anything, The Original Creditor has already written the amount off against tax so they are not at a loss. Lowells are speculating on others misfortune and taking a gamble. If they havent got the paperwork then their gamble is lost. Tough Sh*t but hey Thats LIFE.

 

If you went into Ladbrokes and told them you had made a huge bet which won but you had no betting slip would they pay up.

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Which is why I asked if he had queried the right for lowells to collect!!:mad:

 

the issue I raised with MrTon has nothing to do with this OP's post and is detracting from the help he needs.

 

I was always led to believe that the CAG did not advocate debt avoidance / non payment, has this changed lately?

 

If the debt is valid and is theirs then it is down to an individual whether they honour the debt or not!

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Well I did it. I posted the letter as advised by ODC and sent it by recorded delivery and included the postal order. Let's see how long it takes them (if at all) to reply.

I wish I knew of the rights I have before I replied to lowells. The stress would have been less that's for sure. I wouldn't be as grey as i am now:rolleyes:

one thing though. does the fact i have been making payments to them mean that i accept i owe this money? Would that go against me if it got to court. Is it worth writing to the trading standards and the financial ombudsman yet or wait to see what comes from lowells?

Thanks for all the replies. It's great to know you're out there

If you are asked to deal with any matter via private message, PLEASE report it.

Everything I say is opinion only. If you are unsure on any comment made, you should see a qualified solicitor

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Which is why I asked if he had queried the right for lowells to collect!!:mad:

the issue I raised with MrTon has nothing to do with this OP's post and is detracting from the help he needs.

I was always led to believe that the CAG did not advocate debt avoidance / non payment, has this changed lately?

If the debt is valid and is theirs then it is down to an individual whether they honour the debt or not!

 

I actually believe i am giving the OP far more valuable advice :rolleyes:

Call it debt avoidance or whatever...fact is that DCA's are not entitled to be paid a penny unless they go through the county courts.

Your advice to quote your 1st two was - "Pay what you can" & "request credit agreements"

Firstly the OP should pay nothing at all for the reason i stated & what is the point of requesting a credit agreement exactly?

Because it gives them the right to collect on the debt??

Well woooopey doooo, the can have as many credit agreements till they are blue in the face - but the simple fact is that they are still not entitled to anything unless they go to the CC :)

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I actually believe i am giving the OP far more valuable advice :rolleyes:

Call it debt avoidance or whatever...fact is that DCA's are not entitled to be paid a penny unless they go through the county courts.

Your advice to quote your 1st two was - "Pay what you can" & "request credit agreements"

Firstly the OP should pay nothing at all for the reason i stated & what is the point of requesting a credit agreement exactly?

Because it gives them the right to collect on the debt??

Well woooopey doooo, the can have as many credit agreements till they are blue in the face - but the simple fact is that they are still not entitled to anything unless they go to the CC :)

 

We are all entitled to give what advice we see fit, and it is up to the OP to decide which way to go, so I think I will leave it there as we are obvioulsy going to agree to disagree:)

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We are all entitled to give what advice we see fit, and it is up to the OP to decide which way to go, so I think I will leave it there as we are obvioulsy going to agree to disagree:)

 

Fine fair enough....but by you saying that the OP should pay whatever they can, then you are acknowledging that the DCA has power/authority when it hasnt ;)

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Well I did it. I posted the letter as advised by ODC and sent it by recorded delivery and included the postal order. Let's see how long it takes them (if at all) to reply.

I wish I knew of the rights I have before I replied to lowells. The stress would have been less that's for sure. I wouldn't be as grey as i am now:rolleyes:

one thing though. does the fact i have been making payments to them mean that i accept i owe this money? Would that go against me if it got to court. Is it worth writing to the trading standards and the financial ombudsman yet or wait to see what comes from lowells?

Thanks for all the replies. It's great to know you're out there

 

Lowells will reply within a week or so with their usual guff about having to contact their clients to retrieve the information but that it might take time so bear with them.

 

About a fortnight later they will still tell you they are trying to get the documentation from their clienand WHEN not If they do you will be required to pay IN FULL however because they are such nice people they will offer you a 60% discount but will only give you 24 hours to pay them. This is usually followed up in about 10 days with a similar offer before they eventually admit defeat or produce a totally useless piece of garbage which they claim is an enforceable agreement.

 

The fact that you were making payments to them is irrellevant.

 

Lowells cannot take you to Court unless they produce a valid properly executed CCA

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