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    • You need a back up plan. If you believe that redundancy is very likely, start looking at other employment options.  Don't leave it until you have been made redundant before looking for new employment. I regularly speak to people who have been made redundant and about mental health. Those who have a positive plan, get into employment quickly following redundancy and manage to maintain their finances. Those who don't have a plan, decide to accept redundancy and a period of unemployment. They end up in a downward spiral, with redundancy money spent, debts accumulated, mental health decline and difficulty finding new employment.  
    • Interested observer here as I'm in a similar situation. People become conditioned into seeking and maintaining a perfect credit score/file, but if your situation is that you're unlikely to obtain further credit for the foreseeable future anyway due to your other outstanding debts, then tanking your credit file now won't make a difference other than you've took back control of your finances.
    • Firstly, I would like to thank everyone for their help in this matter. Since my last post I have received a reply from Plymouth Council Insurance Team concerning my wife’s accident (please see enclosed letter and photo of the offending Badminton post) which they deny any responsibility for the said accident. I feel that the Council is in breach of their statutory duties under the following acts: The Leisure Centre was negligent in its duty of care and therefore, in breach of the statutory duty owed under section 2 of the Occupiers’ Liability Act 1957. Health and Safety at Work Act 1974 (the Act) to ensure, so far as is reasonably practicable, the health, safety and welfare at work of all their employees, and others who might be affected by its undertaking, e.g. members of the public visiting the Leisure Centre to use the facilities. The Management of Health and Safety at Work Regulations 1999 that requires employers to assess risks (including slip and trip risks) and, where necessary, take action to address them. The Provision and Use of Work Equipment Regulations (PUWER) require the risk to people’s health and safety from equipment that is used at a Leisure Centre be prevented or controlled. I would like some advice to see if my assumptions are correct and my approach to obtaining satisfactory outcome to this matter are accurate. Many thanks   PLM23000150 - Copy Correspondence.pdf post docx.docx
    • Talking to them does not reset the time limit, although they will probably tell you it does, they'd be lying. Dumbdales are the in-house sols for Lowlife, just the next desk along. If Lowlifes were corresponding with you at your current address then Dumbdales know your address. However, knowing that they are lower than a snake's belly, you would be well advised to send them a letter, informing them of your current address and nothing else. Get 'proof of posting' which is free from the PO counter, don't sign it, simply type your name. That way then they have absolutely no excuse for attempting a back door CCJ.   P.S. Best course of action, IGNORE them, until or unless you get a claim form......you won't.
    • A 'signed for' Letter of Claim has been sent today so they have 14 days from tomorrow... Lets wait and see what happens but i suspect judging by their attitude they wont reply 
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Me Vs Lowell Financial / ***WON WITH COSTS***


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Thanks DOCH dont think i'll be getting any sleep tonight or tomorrow night by the looks of things, but the last I heared anything from Lowells/Red was in November saying that they have no CCA and neither does the Original Creditor so the debt is unenforcable this is what I'm using as my grounds to have this set aside and seeing as there is no agreement do you think I should get them or ask the judge to order them to take their crappy defaults of my credit file?

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Ok I have 23 hours left and feeling sick to my stomach even my legs are a bit shakey, anyways is there anything I should take with me on the day tomorrow to back up my evidence, I'm not too well knowledgeable on case law notes and stuff like that, like I say the debt is totally in dispute for none production of a CCA like I have said in my previous posts the DCA and Original Creditor dont have one, so if somebody can give me some pointers I thank you. Please help.

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Ok anyother help or advice anyone can give me would be most welcome, I'm am starting to get a little bit worried again about all this, I know i shouldnt be as few people have said that they might not even turn up, what I need to know what questions will the judge ask me I need to be well prepared for this, I'm not looking forward to it in the slightest way. Please anybody give me something to work on.

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Ok well I'm off to do my homework now and hopefully will be able to get some sleep tonight if I can, if anybody has any other advice to give me I will welcome it and thanks to everyone that does, if I'm not back online later please all wish me luck I want this to be an open and shut case and over as quickly as possible, if I am around latter then please if you all have any further information for me to help me stop being so nervous and stressed I will again welcome it.

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Oh well the clock is ticking down, I'm trying to get some notes together which I have done, my main argument is the dca and the oc not in possesion of a cca so no cca no agreement there for unenforcable, I dont think I'm gonna be sleeping tonight too nervous but dont want to tire myself out, anybody else got any pointers for me?

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Just read from link in my thread :) good luck for tomorrow, dont let it stress you, easier said than done i know but just keep the none existance of the CCA in mind, without that they don't have owt. You have done everything you can possibly do, filed all of your defence etc, just try and get some sleep so you will be fresh as a daisy tomorrow :)

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I hope so bud, like I say I aint really interested in costs and all that I just want this set aside and whatever they have put on my credit file taken off, or I'll just request the judge to do so in court tomorrow. I'm aware I need to be polite listen to the judge on what he/she has to say and be respectful for some reason this thing about Lowell's being on watchdog tonight must be a good sign or something. Just wait and see wish me luck all.:)

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thaks everyone for all your help in this matter, I didnt sleep at all last night my heart is pounding away like mad. Think what I'm going to do is leave in about 5 mins and go walking just to clear my head and maybe calm myself down a bit I plan on getting to the court for around 11 I know the hearing isnt till 12 but I want to get there and find where I have to be so I dont start to panic which is what I'm doing now.

As soon as I'm home this afternoon I will let you all know how it went, I just pray to god now for a good outcome in this situation and I can then try and get on with my life, thanks for all the advice and support you have all given me, and I'll see you all later. With good news I hope.

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Yep today at the Liverpool County Court the stat demand was ordered to be set aside Lowells the Leeds Lossers also know as the Leeds W***ers didnt even show or submit any documents to the court proving the debt or anything. The judge looked at my court file and asked me was this the paper work I submitted the other week in order of my defence which were the letters from Lowells stating they they anf the original creditor dont have a copy of the cca agreement she said that it was unenforcable and also she went on to say that given this evidence that Lowells should leave me alone and if they didnt I could take legal action against them if I wish for harassment for a debt that without a signed credit agreement does not exsist, she said it was a straight forward case as I had done all my research and requested documents including the cca and any statements of the account that they held with them turning up nothing not one bit of solid evidence. I have been awarded costs of £100 which I'm happy with and I also went on to state the damage that Lowell have done to my Credit File she has also ordered that Lowell remove all and any data with the CRA without delay if they dont cooperate with the court then I take it they will be in big trouble and then I will look forward to sueing Andrew Bartle's ass till the end of time.

And now for the bad news, erm there is none all but Lowell will be kicking and screaming.

So many thanks to all 42man your amazing thanks for all the information you provided I wouldnt of been able to get it all without your help, sam614 thanks for helping me keep my head held high I wasnt as nervous as when I walked into the court room and anybody else who I havent thanked yet Just A Big Thank You All. And a donation to cag will be on it's way.

 

P.S: Dont be bullied by this **** called Lowell/Red/Hamptons they are low life who will burn in hell for what they do, this goes to all you Debt Collection Agencies going round posting ya crappy stat demands and nearly 99% of the time you dont have anything to back your claims up, dont send these sta demands because you waste the courts time and also our time, get a life and a real job you sad B******s.

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