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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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    • 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.

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      OT APPROVED, 365MC637, FAROOQ, EVRi, 12.07.23 (BRENT) - J v4.pdf
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Me Vs Lowell Financial / ***WON WITH COSTS***


Shawn0109
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Nice one Shawn - although people don't always add to a thread if they don't have any more to add, several of us have been watching this and anticipated the very result you got.

Lowell will not shell out for anyone to go to court in cases like these as it's good money after bad to them, they have no defence, so may as well let a judge talk to the person concerned and settle it with them. They pay you £100, much cheaper than a solicitors fees would have been, and get a slap on the wrist...

Sorry, not wanting to take anything away from your victory, but that's how they will see it.

My guess is that there weill be some re-branding going off in the Leeds area soon - Lowell will be closed down, but would carry on trading as a different company name, to get round the bad publicity - anyone got a book open on how long before that happens?

Finally, how about calling your local paper, and let them run the story?

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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I know I made up really am just glad it's over and now looking at my credit report see they are still there on it plus a few other they have added also so will be doing more CCA's to them next week for these other accounts they say they own and I know what will happen the sorry letter "We dont have a copy of the original CCA you signed and neither does the original creditor" I want them gone of my credit file or I promiss to all you caggers I will help in any way that I can.

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Yay Shawn!!! Fantastic news! Just shows ya, when it comes to the crunch they don't have the balls to follow it through :D Have a slap up meal with the costs awarded and then send them a letter thanking them for it hehehehe.

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Ha yeah think I might do that or put it aside to see my brother and his family in Canada I'll be able to sleep better tonight, but the Judge I have to say was amazing she was aking me the questions and all I could say was yes miss then when she phoned the reception area to see if Lowells turned up she sighed heavely and that was it I was in and out in less than 2 mins.

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Good idea hillards maybe I should see if the Liverpool Echo or something like that would be interested in this **** of a DCA.

 

Here you go...

Liverpool Echo.co.uk - Views - Send a Story

:D

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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Well Done Shawn :D

jaxads

 

Halifax - £2281, successfully refunded all charges after LBA letter & telephone call.

Have been offered the difference between the £20 and £12 charges from Capital One -- am sending LBA for remainder.

GE Money - Received settlement of £441, being total charges requested. No interest though.

CCA'd Bank of Scotland / Blair Oliver Scott to produce CCA Agreements on two Credit Cards - well in default, although still chasing payment!!!

EOS Solutions "ceased action on account" on behalf of a friend.

 

All in all, quite busy at the moment and enjoying every minute of it
:eek:

 

 

 

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So with this now being a succsess story how do I contact the moderator to move it to the Legal Succsess section? With the experience that I have gotten here on CAG it's amazing what you can make happen with the help from other people thank you all so much for everything, I'll be watching you Lowell's/Red/Hamptons I want to see every bit of information that are on my credit report from all of them taken off by you asap this is your only warning.

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Well done :)

HAVE YOU BEEN TREATED UNFAIRLY BY CREDITORS OR DCA's?

 

BEWARE OF CLAIMS MANAGEMENT COMPANIES OFFERING TO WRITE OFF YOUR DEBTS.

 

 

Please note opinions given by rory32 are offered informally as a lay-person in good faith based on personal experience. For legal advice, you must always consult a registered and insured lawyer.

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