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    • @jk2054 - I haven't started a claim with OIC or MIB yet, due to being unable to obtain the name of the other driver.  @BankFodder cheers for that, I'll go back to them with this info & update on here when I've had a response.
    • Andy thanks for your reply. No i am now being evicted from the house i moved into after that previous post. The letting agent lied to me when they said the landlord would not be selling the house. SHe did not mention that the landlord tried to sell the house last year, i was not told this, 4 months into the tenancy i got the eviction notice. Its obvious they lied to me and used me to fill in the gap between their attempts to sell the house. I have filled in the defence form as it was easy to follow the old one from my previous post. I will post it later on in the hope someone can give it the once over. It has to be in by the end of this month may 31st.  
    • It's a GR Yaris - Finance is with Alphera, who are part of BMW I believe. I'm sure the unit is very expensive to repair, I have even told them I would be happy with a refurbished/reconditioned unit, in trying to be reasonable as well.
    • Without seeing this envelope, document and sticker it is impossible to advise properly. However, just going on what you have told us, there are two ways you can deal with this: !. The easy way. This has the lowest risk but the guarantee of a penalty for speeding.  You can respond to the SJPN by pleading “Not Guilty” to both charges. In the “Reasons for pleading Not Guilty” box you can explain that you responded to the request for driver’s details but it was recently returned to you, seemingly not actioned. However, you are willing to plead guilty to the speeding charge providing, and only providing, the “Fail to Provide Driver's Details" (FtP) charge is dropped. You could also ask the court to consider sentencing you at the fixed penalty level (£100 and 3 points) as this prosecution seems to be the result of an administrative problem outside your control. 2. The not so easy way with higher risk. This could see you convicted of the FtP charge but has the possibility that you escape with no penalty whatsoever. You can do the same – plead not guilty to both charges. If you go down this route the speeding charge cannot succeed as they have no evidence you were driving. This comes from your response to the request for driver’s details which the police say they have not got. You can mention in the “Reasons” box that you returned the request for driver’s details as required. You will then face a trial for the FtP charge and you can produced your response together with the envelope and sticker showing it had been returned to you. The risk with this is that if your defence fails you will be fined a week and a half’s net income, pay a “Victim Surcharge” of 40% of the fine, pay prosecution costs of around £650 and have six points together with an endorsement code (MS90) which will see your insurance premiums rocket.
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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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