Jump to content


  • Tweets

  • Posts

    • I've read loads of old messages about what to do but feel my case is different, it's a bit of a back story so ill break it down. - Had a letter from an Italian province in July of 2020 for a speeding offence in 2019 for 575 euros, was in a hire car I used for work, no longer work for them and heard nothing from either. - Thought blimey, but went to pay it anyway, it had doubled to over 1100 euros, yeah I can't afford paying that, filled out the attached information sheet to say it was me driving but I have no money or job due to COVID (true story) and sent it back (durrrr) - Heard nothing until December of 2023, a letter from an appointed solicitor from Florence saying if I don't pay, we will chase you through the legal system with costs beared to you. - May of this year, I get a letter from CLI (Credit Limits International) basically saying they have been appointed to carry out the collection, £1475. - Stupidly, I started the 'three letter process' asking for proof etc, and they replied a few days ago with a copy of the fines I had received from Italy, they stated the debt has no terms and conditions as it relates to a fine in Italy and the debt is not subject to the Consumer Credit agreement. I translate that to "at the moment we don't own the debt and have been given authority from Italy to pursue the debt". That is where I am currently at, I would begrudge giving in and paying an obscene amount. As seen from similar threads, I know a threat of a visit is coming, followed by a threat of court action, but annoyingly it hasn't been mentioned how these cases were concluded and the threads are now locked. I've read to ignore them, but can't help but feel that because it's such a substantial amount that they will feel it's worthy of pursuing this no matter the hoops they have to jump through. Along with admitting it was me driving and opening the can of worms by contacting the DCA, it wouldn't look good for me should it ever get to a courtroom.  Has anyone with previous experience managed to 'get away with it'? Anyone know what they're capable of other than nagging me? I'm not after any moral judgment.
    • take the SD card out and put on a pc/laptop then run recuva on it in  select videos only option select specific location hit browse then select drive letter of the SD card. then next  then deep scan then go have a cup of tea..  when done dont recover the all files back to the card select a new folder on your pc/laptop        
    • hi all, i will list my curmcumstance first then list the details of the penalty charge - we are 2 diabled people being affected by the cost of living crisis and are skint etc. i am disabled with mobility issues(arthritis in knees and ankles and gout) and cant operate car pedals anymore so i let a friend up the road use my car in exchange for her driving me about. its a good arrangement as i get a 'chauffer' and she gets the use of car. the car is parked in her drive which is better as i was refused a disabled space (even on appeal) and too much congestion to park the car outside my house. my friend is vulnerable as she has suffered depression and suicidal thoughts since the loss of her mother a few years back, she is dyslexic, she is a carer for one of her sons that is disabled due to mental illness and mobility. she lives in a council house and cannot work. we went to iceland ..attracted by the 10items for £10 offer - we've never been there before. a large artic lorry was parked accross the car park blocking the view of one of the parking signs and blocking the disabled bays where the pay&display machine is. by the time she helped me out of the car and then went to see if it was pay&display then came back to me at the car she said she thinks it was pay even for disabled, so we looked for change in the car which we didnt have (she normally goes asda which dont need to pay for parking)so then we said we'd either go get change or go to asda...so then by the time it took her to help me back in and get out the car park took 15 minutes...5 minutes overstay past the 10minutes grace. the letter from excel parking came through and i sent it back giving her name as driver (before i saw on here that you shouldnt name the driver) then i appealed explaining what happened (lorry blocking etc) and even said we were being descriminated (advised by citizen advice)as we are disabled and 15minutes is not long enough for a crippled disabled man and a woman with dyslexia to read and understandd the sign and get out, then back in the car and look for change then get out the car park in 15minutes. i even explained she was a vulnerable person on anti-depressants and even sent a photo of medication and said if you need a doctors note then let me know....the appeal was rejected. i've emailed iceland over 50 times and they just wont tell excel to cancel this charge - they are ignorant and ive even asked them why they have a webpage saying 'iceland combatting the cost of living crisis' pretending to help their customers and they wont comment...they'd rather put more stress and anxiety on an already suicidal vulnerable person just to get money out of them..so their 'help' during this crisis is a lie as it wont even extend to disabled customers. she has now received 2 letters from DCBL saying she owes £170 for 5minutes of overstay. the last one is a final demand. as she cant read or write very well ive sent a recorded letter to DCBL (as advised by citizen advice) asking not to attend the property due to a vulnerable woman inside the property as it will only exasperate the situation, they have ignored it and basically said we dont care, you still owe. could anyone please advise - we are not very good with letters or these situations and are slow on the uptake.   1 The date of infringement? 28th dec 2023   2 Have you yet appealed to the parking company yet? [Y/N?] yes   If you have then please post up whatever you sent and how you sent it and the date you sent it, suitably redacted. [as a PDF- follow the upload guide]cant do that - will have to get my son to do it when he visits   Has there been a response? yes   Please AS A PDF FILE  ONLY ..post it up as well, suitably redacted. - follow the upload guide]cant do that - will have to get my son to do it when he visits   If you haven't appealed yet - .........DONT ! seek advice on your topic first.   Have you received a Notice To Keeper? (NTK) [must be received by you between 29-56 days] yes   What date is on it? 15th january 2024   Did the NTK provide photographic evidence? yes   [scan up BOTHSIDES to ONE PDF of the PCN and your NTK - follow the upload guide] please LEAVE IN LOCATION AND ALL DATES/TIMES/£'scant do that - will have to get my son to do it when he visits   3 Did the NTK mention Schedule 4 of the Protection of Freedoms Act 2012 (PoFA) [Y/N?] not on the front - maybe on the back but cannot find the letter now   4 If you appealed after receiving the NTK, did the parking company give you any information regarding the further appeals process? [it is well known that parking companies will reject any appeal whatever the circumstances] yes   5 Who is the parking company? excel   6. Where exactly [Carpark name and town] did you park? gravesend in iceland    
    • Hi Dave, I had no updates on this PCN since my last post in July 2019.  I received no further communications from the parking company.  I changed my address in May 2022. Thanks, I will send a letter to Excel parking to inform about the change in the address. 
    • I have a BMW Advanced Car Eye 3 Pro - I think it's 50/50  In any case, none of the documents / photos sent in the SAR showed a ticket on the car. 
  • 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 - No Cca But Offering F&f creation finance debt


mysticpols06
style="text-align: center;">  

Thread Locked

because no one has posted on it for the last 5610 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

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.

Link to post
Share on other sites

  • Replies 51
  • Created
  • Last Reply

Top Posters In This Topic

Top Posters In This Topic

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

Link to post
Share on other sites

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.

  • Haha 1

Link to post
Share on other sites

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!

Link to post
Share on other sites

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

Link to post
Share on other sites

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

Link to post
Share on other sites

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

Link to post
Share on other sites

:)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!

Link to post
Share on other sites

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.

 

Link to post
Share on other sites

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

Link to post
Share on other sites

: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

  • 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!

Link to post
Share on other sites

  • 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!

Link to post
Share on other sites

: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.

 

Link to post
Share on other sites

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

Link to post
Share on other sites

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

Link to post
Share on other sites

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

Link to post
Share on other sites

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

Link to post
Share on other sites

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

Link to post
Share on other sites

  • Recently Browsing   0 Caggers

    • No registered users viewing this page.

  • Have we helped you ...?


×
×
  • Create New...