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    • 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, 
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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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