Jump to content


  • Tweets

  • Posts

    • Hi With the Section 21 Notice I do hope the Landlord issued you with: Energy Performance Certificate (EPC) for the Property How to Rent Guide A current Gas Safety Certificate (if gas in the Property) If above have not been provided to the Tenant by the Landlord then they can't use a Section 21 Notice until the above have been provided (note you don't warn the Landlord of this until but put it in your defence) Have a good read of this link: Evicting tenants in England: Section 21 and Section 8 notices - GOV.UK WWW.GOV.UK Information for landlords in England on tenant eviction: assured shorthold tenancies, including eviction notices, Section 21, Section 8, accelerated possession, possession orders, bailiffs  
    • good idea take some pix and put them in a PDF read UPLOAD dx
    • thread title updated moved to overseas debt forum. sadly as they are outside any UK jurisdiction upon DCA rules which state in the UK they must not call employers, there not alot you can do to stop these scammers. make sure you totally make private ALL social media twitter/facebook/linked in etc etc as there no-way for them to findout where you work otherwise so you must have a leak somewhere. find it. your employer details arent even legally available to UK DCA's so how have they found it out to date???  simply write to the BANK informing them of your correct and current address ALWAYS!!. if you want to arrange payment or not TO THE BANK ONLY thats upto you. never ever ignore a Statutory Demand a Letter Of Claim a Court Claimform. if if if any of those ever happen. till then ignore and rewash. dx    
    • Date of issue –   13 may 2024 AOS date 31st may defence filing date 14th june plenty of lowell card claimform threads here use our enhanced google searchbox Lowell card claimform id be reading at least 5-10 threads a day. do NOT MISS your defence filing whatever happens.  
    • Hello All,  I’m hoping someone can help me urgently here. Firstly, I’d like to say I have read multiple other threads and have some what an idea of what I should be doing, however my case might be slightly different so coming with my own questions here.    my situation is I lived in Dubai and had a credit card and a loan, loan with HSBC and credit card with Emirates (or the other way round), I lost my job and was forced to leave the country as I was staying in the country on my companies visa.    since coming back, after a few years 2 different debt collections agencies have been approaching me (one being IDRW and the other J&P). I’ve never answered IDRWW and they constantly chase me by calling and messaging me and my employer. My current company is ok with this as I explained the situation but I’m soon to be joining a new company who definitely won’t be ok with being messaged and called. I’m afraid to continue to ignore them as they may message and calm the new employer as they have before and I’ll lose my job. However, it seems clear from these forums that dealing with the debt collection agencies is never a good idea. You shouldn’t agree to the amount or pay anything.    j&p caught me on my phone but I still haven't sent them any money or confirmed the amount they’re saying is owed, they keep pushing to pay off the “principal” amount by making monthly payments, from reading these forums it seems like if I make one of those payments (they have provided bank details for ENBD), then it’ll just be paying off interest and not actually clearing the principle debt and the bank won’t even approve receipt of payment or that it’s coming off principle.    this is my predicament as ignoring them might not be an option if they chase my new employer. Maybe there’s a way to ensure the debt collection agency don’t contact my new employer?? I don’t know? Massively appreciate peoples help here. Thanks, 
  • 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 
        • 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

Me Vs Lowell Financial / ***WON WITH COSTS***


Shawn0109
style="text-align: center;">  

Thread Locked

because no one has posted on it for the last 5554 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

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?

Link to post
Share on other sites

  • Replies 166
  • Created
  • Last Reply

Top Posters In This Topic

Top Posters In This Topic

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.

Link to post
Share on other sites

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.

Link to post
Share on other sites

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.

Link to post
Share on other sites

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?

Link to post
Share on other sites

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 :)

Link to post
Share on other sites

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.:)

Link to post
Share on other sites

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.

Link to post
Share on other sites

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.

Link to post
Share on other sites

  • Recently Browsing   0 Caggers

    • No registered users viewing this page.

  • Have we helped you ...?


×
×
  • Create New...