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    • I disagree with the charge and also the statements sent. Firstly I have not received any correspondence from DVLA especially a statutory notice dated 2/5/2024 or a notice 16/5/2024 voiding my licence if I had I would have responded within this timeframe. The only letter received was the single justice procedure notice dated the 29.5.2024 this was received on 4.6.2024. I also disagree with the statement that tax was dishonoured through invalid indemnity claim. I disagree that the licence be voided I purchased the vehicle in Jan 2024 from RDA car sales Pontefract with agreement to collect the car on the 28.1.2024. The garage taxed the vehicle on the 25.1.24 for eleven payments on direct debit  using my debit card on my behalf. £62.18 was the initial payment on 8.2.24  and £31 per month thereafter the second payment was 1.3.24.This would run from Jan 24 to Dec 24 and a total of £372.75, therefore the car was clearly taxed before  I took the car away After checking one of my vehicle apps  I could see the vehicle was showing as untaxed it later transpired that DVLA had cancelled my tax , without reason and I did not receive any correspondence from DVLA to state why it was cancelled or when. The original payment of £62.18 had gone through and verified by my bank Lloyds so this payment was not declined. I then set up the direct debit again straight away at my local post office branch on 15.2.2024 the first payment was £31 on 1.3.2024 and subsequent payments up to Feb 2025 with a total of £372.75 which was the same total as the original DD that was set up in Jan, Therefore I claimed the £62.18 back from my bank as an indemnity claim as this payment was from the original cancelled tax from DVLA and had been cancelled . I have checked my bank account at Lloyds and every payment since Jan 24  up to date has been taken with none rejected as follows: 8.2.24 - £62.15 1.3.24 - £31.09 2.4.24 - £31.06 1.5.24 - £31.06 3.6.23-£31.06 I have paper copies of the original DD set up conformation plus a breakdown of payments per month , and a paper copy of the second DD setup with breakdown of payments plus a receipt from the post office.I can also provide bank statements showing each payment to DVLA I also ask that my licence be reinstated due to the above  
    • You know hes had it when they call out those willing to say anything even claiming tories have reduced taxes on live tv AS Salmonella says: The Conservative Party must embrace Nigel Farage to “unite the right”, Suella Braverman has urged, following a disastrous few days for Rishi Sunak. The former home secretary told The Times there was “not much difference” between the new Reform UK leader’s policies and those of the Tories, as senior Conservatives start debating the future of the party. hers.   AND Goves replacement gets caught booking in an airbnb to claim he lives locally .. as of yesterday you can rent it yourself in late July - as he'll either be gone or claiming taxpayer funded expenses for a house Alongside pictures of himself entering a house, Mr McGuinness said Surrey Heath residents “rightly expect their MP to be a part of their community”. - So whens farage getting around to renting (and subletting) a clacton beach hut?   Gove’s replacement caught out on constituency house claim as home found on Airbnb WWW.INDEPENDENT.CO.UK Social media users quickly pointed out house Ed McGuinness had posted photos in was available to rent     As Douglas Ross says he'll stand down in scotland - if he wins a Westminster seat - such devotion.
    • I've completed a draft copy to defend and will post up here for review.  Looking over the dates and payments this all stemmed from DVLA cancelling in Feb , whereby I set up a new DD in Feb hence the overlap, why they cancelled when I paid originally in Jan I have no idea. Anyway now stuck with pending court action and a suspended licence . I am also firing off a letter to DVLa recorded disputing the licence revoke
    • Thank you both for your expert knowledge and understanding. You're fighting the good fight by standing up for people like me and others with limited knowledge of this stuff. I thank you. I know all my DVLA details are good. I recently (last year) renewed my license, and my car's V5 is current with the correct details; the same is valid for my partner. I'll continue to ignore the love letters 😂 and won't let it bother either me or my partner.  I'll revisit this post if/when I get a letter of claim.  F**k ém.
    • Please check back later on today for a fuller response and some edits
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Lowell - No Cca But Offering F&f creation finance debt


mysticpols06
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Yes - ignore it. They obviously haven't got their paperwork in order to make this debt stick using the proper channels, if they had they would take you to court, instead they are offering discounts, you have to ask yourself why? I have given you the answer, no proper documentation. Lowell are known for this tactic, they did it with me. Two letters offering a discount then a letter saying we are closing the file. Sit tight, do nowt.

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Thanks 4 your support my only question is what happens if they do find the cca and it's enforceable?

 

Maybe a very low full & final would make certain they go away for ever?

 

What's the lowest full & final that's been accepted?

 

If they purchased the debt for lets say 10-15pence inthe pound would they themselves accept a loss or prefer to write it off?

 

Sorry that was actually 4 questions

Lowell Financial (Monument) No CCA - File Closed ** WON**:D

1st Credit (Citi Financial) No CCA - Credit Report Marked 'Satisfied' ** WON **:D

American Express No CCA - Pending

RBS Mint No CCA - Pending

CL Finance (Morgan Stanley) No CCA - In Court:eek:

HSBC - No CCA - In Court:eek:

Link Financial (MBNA) No CCA - Pending

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Thanks 4 your support my only question is what happens if they do find the cca and it's enforceable?

 

Maybe a very low full & final would make certain they go away for ever?

 

What's the lowest full & final that's been accepted?

 

If they purchased the debt for lets say 10-15pence inthe pound would they themselves accept a loss or prefer to write it off?

 

Sorry that was actually 4 questions

 

This letter is a feeble attempt to obtain your signature. DO NOT RESPOND. If and when they produce something which they claim to be a properly executed CCA with ALL the prescribed terms on then is the time to think about offering them something. As it stands now they have no legal proof that you owe them anything.

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What like septic peg (mystic meg) & the like? lol! :p Am feeling a tad empowered thanks to u all & only a lickle bit wary as have not paid today. Nothing else received so far though since f&f offer so am sitting tight & waiting to see what comes next from them! If any of you have time & fancy gander at my debtmanagers ltd (next) thread, would appreciate it - Hubby is gonna pay them this arvo i think (the normal reduced monthly that we have been sticking to) as they have at least sent something thru, but we're pretty sure it's not what it should be & Rory has been helping advise on that so far! So any other opinion would be great as to whether to pay em the norm or Just a squid or not at all!

Hope u all enjoy this bloomin cold but nice sun shiny day!

Thanks as always,

Mpols x

'Confidence grows & heartbeat slows to a steady stronger beat, as each member unites, against DCA fights & we all sail aboard the CAG fleet!' :rolleyes:

:pKeep smiling peeps!

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Afternoon mpols,

I'm not stalking you, honest:D

 

Your threads are very interesting to me so I'll sub to your other thread when I see it.

Mutual support et al.

 

fox

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

Please help CAG. Order this ebook. Now available on Amazon. Please click HERE

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Hi I know this is in the wrong section but pease advise how I start a new thread

Lowell Financial (Monument) No CCA - File Closed ** WON**:D

1st Credit (Citi Financial) No CCA - Credit Report Marked 'Satisfied' ** WON **:D

American Express No CCA - Pending

RBS Mint No CCA - Pending

CL Finance (Morgan Stanley) No CCA - In Court:eek:

HSBC - No CCA - In Court:eek:

Link Financial (MBNA) No CCA - Pending

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Go to the forum of your choice and at the top of each forum should be a tab called new thread.

 

fox

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

Please help CAG. Order this ebook. Now available on Amazon. Please click HERE

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:)Hi peeps - Quick update re situ, Received another letter yest - reads as follows (apologies if any typo's, is late & scanner poorly so am inputting doh!):

 

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

 

I can confirm however that creation consumer finance are still in the process of retrieving the required paperwork 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 received at which point we will require payment in full.

 

You currently still have the option to pay £xxx.xx as a 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 then please call the number below.

Yours sincerely, Andrew Bartle."

 

This is the second offer of f&f from them & it has been 20 days (working) since we originally cca'd them, but we have cancelled standing order last week & witheld payment this month as they haven't produced anything yet! Dunno whether to send acc in dis or just ignore them i think beings as they reckon won't be contacting us again until (unless?) they can provide agreement. General consensus please if poss? :-|

Hope everyone staying warm & keeping smiley!

Thanks as always,

Mpolsx

'Confidence grows & heartbeat slows to a steady stronger beat, as each member unites, against DCA fights & we all sail aboard the CAG fleet!' :rolleyes:

:pKeep smiling peeps!

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All going to the usual format - you normally get 2 F&F's then you'll get one saying they have closed the case. You should have that this side of ChrIstmas! :)

Be good to those who give you advice that helps - click the star to give them your thanks by way of a reputation credit.

 

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Clownell are one of the most predictable of the DCAs. They are following their usual pattern here. As sports commentators are rather fond of saying, losing can become a habit. It is certainly one the Leeds Losers are becoming rather adept at.

 

I would just let them get on with it, and self destruct in their own good time.

 

On the other hand, if you are feeling in a very generous mood and want to contribute towards the Clownell Christmas Party, you can always accept their extremely kind offer of a full and final settlement. To do that, use a letter such as this one -

 

http://www.consumeractiongroup.co.uk/forum/debt-collection-industry/104668-cabot-windywoo-4.html#post1813490

 

SH

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:D Lmao SH (Am huge fan of your prose already! lol)

My baby bro is currently representing queen & country & Helmand (2nd tour) & needs every bit of support he can get so if there is any charitable contribution to be made this year it will be in the sending of tinsel & santa hats to help decorate the tents & cheer my wonderfully brave (& just a little daft) brother & the rest of his company during their not very festive tour! (2 yrs ago Gordan Ramsey flew out off his own back & cooked em all turkey bless him! Made em all smile i can tell u!) Anyways, This F&F amount offered doesn't even represent the ppi from what we have worked out which we were missold so i think i shall follow the advice given here & wait to see what else they send us - until there is something more solid i will not be contacting them. Happy weekend guys & gals! Thanks as always,

Mpols x

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'Confidence grows & heartbeat slows to a steady stronger beat, as each member unites, against DCA fights & we all sail aboard the CAG fleet!' :rolleyes:

:pKeep smiling peeps!

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  • 4 weeks later...

:D Happy ney Year peeps!!!

Update: Yest received letter true to what you had all predicted for me telling us that they had been advised by O/C that there was no longer an original agreement to be located due to the length of time that the acc had been open apparently and that they were closing their file against us unless the said agreement is miraculously discovered at some point in the future!!! Woohoo!!!

Was so chuffed to get this & more so beings as was the last day of the year!

Thanks everyone for your help so far with this company in particular!

Hugs & best wishes Mpols x

  • Haha 1

'Confidence grows & heartbeat slows to a steady stronger beat, as each member unites, against DCA fights & we all sail aboard the CAG fleet!' :rolleyes:

:pKeep smiling peeps!

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:D Happy ney Year peeps!!!

Update:

And a happy new year to you too. Please to hear the Leeds Losers have followed the usual format and failed for you.

 

IdaInFife has a good follow-up letter, just to stop them passing it to their pals at Muck Hall to try and hassle you again - http://www.consumeractiongroup.co.uk/forum/debt-collection-industry/172071-letter-co-solicitors.html#post1856406

 

Icing on the cake?

Be good to those who give you advice that helps - click the star to give them your thanks by way of a reputation credit.

 

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WHOO_bloody_HOO

 

One apiece now. I'm so pleased for you.

A brilliant new years present

Mystipols06 1-Lowlifes 0

 

Now all you need is for the others to be the same.

Are you going to try and get the negative information taken off your CRA file?

 

Good luck and happy new year to you

 

fox

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

Please help CAG. Order this ebook. Now available on Amazon. Please click HERE

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what a fab bit of news for the start of 2009

 

well done and lets hope all of ours go to these clowns and we get the same responce that would be so cool

 

have a drink tonight you deserve it and all the guys who encouraged you a pat on your backs from me too

 

keep happy

 

laters angel x

Im happy to help with support and my own thoughts, but if I offer any thoughts to your problems please take it as from my life experience only and not of any legal standing. Always take further advice from the legal experts in your final action.:)

 

my new motto is,,,",Taking back control of your life and home - such peace is priceless"

 

This is all due to truecall device , have a serious peek at this you will be thankful like I am x laters angel :D

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I have been following this thread with great interest, absolutley fantastic news well done hope it brought a great close to 2008 for you!!:D

If you feel I have helped please tickle my scales;)

 

 

MBNA - Ongoing

Egg Loan - Ongoing

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Good News! I have just had the same letter from Lowells "No CCA, We will not contact you again" :D See my Thread below!

 

http://www.consumeractiongroup.co.uk/forum/legal-issues/175572-upto-eyeballs-lowell-financial.html

 

However what do we do now, I want all credit reporting to stop & be removed, No CCA No enforceable debt and no right to process our data past, present & future.

 

Any Ideas???

Lowell Financial (Monument) No CCA - File Closed ** WON**:D

1st Credit (Citi Financial) No CCA - Credit Report Marked 'Satisfied' ** WON **:D

American Express No CCA - Pending

RBS Mint No CCA - Pending

CL Finance (Morgan Stanley) No CCA - In Court:eek:

HSBC - No CCA - In Court:eek:

Link Financial (MBNA) No CCA - Pending

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Hi,

I sent lowlifes a s10 letter to stop processing my data but because they say there is a link (i had been paying for a while) they won't stop doing so even though they have admitted they don't have a valid agreement, I sent them a strongly worded letter but no reply as yet.

I'vew also written to experian asking them to do something but I don't expect them to do anything.

My next step is a complaint to the information commissioner (as much use they are), the FOS and trading standards.

after that if I get no luck I may just take them to court.

 

fox

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

Please help CAG. Order this ebook. Now available on Amazon. Please click HERE

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