Jump to content


  • Tweets

  • Posts

    • Even a Piers Morgan is an improvement and a gutless Farage Piers Morgan calls for second Brexit referendum WWW.THELONDONECONOMIC.COM Piers Morgan and Nigel Farage have faced off over Brexit and a second referendum in a heated reunion on BBC Question Time.   “Why don’t we have another referendum about Brexit?” he questioned. “I seem to remember when 2016 came around we were told there was going to be control of our borders and it was going to be economically beneficial to this country. And eight years later we have lost complete control of our borders… and economically it seems to have been a wilful act of self-harm.”   ... Piers missed off : after all somebody said a 48/52 decision would be "unfinished business" by a long way - was that person just bul lying (again)  
    • when did they (who) inform you there was a 'police case' and when was this attained? i will guess the debt is now SB'd as it's UAE 15yrs. have you informed the bsnk ever by email/letter of your correct and current address? you can always ignore anyone else accept the bank,  Block and bounce back all emails. Block any text messages  Ignore any letters unless it's: - a Statutory Demand - a Letter Of Claim - a Court Claimform via Northants bulk.  
    • I left Dubai 8 years ago and intended to return. However a job prospect fell through. I’d been there for 15 years. I decided to pay my credit card and the bank had frozen my account. There is no means to pay the CC so completely unable to pay when I wanted to other than the bank advising me to ask a friend in the UAE to pay it on my behalf!  fast forward bank informs there is a police case against me for non payment. Years later IDR chased me and after months/ years they stopped. Now Judge & Priestley are trying their luck. Now I have received an email in English and Arabic from JP saying the bank has authorised them to collect debts. Is this the same as IDR although I didn’t receive anything like this from them. Just says they are authorised?
    • The neighbour's house is built right on the boundary so the side of their house is effectively the 'wall' in our garden separating the two properties. It's a three storey house and so the mortar poses a potential danger to us. Because of the danger, we have put up an interior fence in our garden to ensure we don't risk mortar dropping on us. That reduces the garden by 25% which is not only an inconvenience, but it's the part of the garden where we had lined up contractors to install a patio and gazebo which we will use for our wedding reception in less than 2 months. We have spoken to the neighbour's caretaker who is on the case, has spoken with a roofer and possibly a scaffolding company, but there are several issues. They don't seem to understand the urgency. As long as there is a risk of falling mortar, we can't carry out any work in the garden, and unless they hurry up, we're looking at cancelling our wedding as it's not viable to book a venue because we can't use our own garden! Also, they want to put the scaffolding up in our garden which would be ok with us if it was a matter of a few days and they hurried up, but there is a tree (most likely protected by the conservation area), so most likely they can only reach part of the roof with the scaffolding if they put it up in our garden. We suggested a roofer with a cherry picker but they seem to want to use a company they've used before. Any and all comments, suggestions, advice is more than welcome.  PS. does it make any difference that the neighbour is a business (ltd) and not a private dwelling?
  • 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 
      • 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
  • Recommended Topics

I love Lowells :D


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

Thread Locked

because no one has posted on it for the last 5567 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

CCA in dispute as from tomorrow, Lowell's sent letter saying that Cap 1 are having to 'go into the archives' to retieve it and would i mind settling account on a reduced amount to avoid this dragging on............oh yeah sure i will! ahem lol. SAR going off tomorrow, account in dispute letter going off tomorrow, gotta love em for trying :D

Link to post
Share on other sites

If it's a Cap One credit card you can put your house on them not having an enforceable agreement.

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.

Link to post
Share on other sites

missdpd in the same situation got a hearing tomorrow at 12pm for setting aside a stat demand from them here is the link http://www.consumeractiongroup.co.uk/forum/legal-issues/177871-me-lowell-financial.html am a little worried about it but loads of people have told me they wont even turn up and it will hopefully be set aside but yeah I dont understand these people issuing stat demands and not having the evidence to back it up. I know what I want this thing to be set aside and for lowells to remove all defauls they have placed on my credit file. Good luck in your process.

Link to post
Share on other sites

missdpd- I wouldnt waste a tenner on a SAR.

 

They have as good as admitted to not having a CCA.

 

Also- watch the latest Watchdog on BBC iPlayer.

 

In it they state that they buy debts with no paperwork not only that, the original creditors rarely supply back up paperwork when asked.

Link to post
Share on other sites

missdpd- I wouldnt waste a tenner on a Subject Access Request.

 

They have as good as admitted to not having a CCA.

 

Also- watch the latest Watchdog on BBC iPlayer.

 

In it they state that they buy debts with no paperwork not only that, the original creditors rarely supply back up paperwork when asked.

 

 

ooo ok will do :) have bookmarked the Watchdog program to watch tomorrow. What has made me laugh with Lowells is that a month ago they agreed to a monthly payment plan and now because i have requested a CCA which their 'client' cannot find they are getting all huffy puffy and telling me i now have to pay in full, one rule for one, one rule for another! just makes me titter though, am not being fazed one bit!

Link to post
Share on other sites

Yeah, makes you laugh, doesnt it?:)

 

I went through the same thing with Lowells, they kept offering to settle for less and less until finally admitting they didnt have the CCA and neither did Barclaycard so they accepted my suggestion and crawled back under their stone.

Link to post
Share on other sites

You will get another letter soon from them stating that despite their efforts to come up with the agreement they dont have it an neither does the original creditor and they will then close their files and then it will go on about that if they at some point in the future obtain the agreement "Which is doubtful" they will again persue it blah blah blah......

Link to post
Share on other sites

Just received another letter! They must love me this week :)

 

Basically its in repsonse to my letter informing them they are now in default of my CCA request. They are saying that the Consumer Credit Act (no section quoted) states they have 12+2 days (which i gave them before sending them the dispute letter WITHOUT the 30 days bit in it) after which they have 30 more days to comply. Now i'm sure i read somewhere this has now been done away with hence why I sent letter without it in. Or is this only applicable to agreements entered into after a certain date?

 

Can someone clarify this for me please and point me in the direction of a letter with which i can respond to them with.

 

thankyou :)

Link to post
Share on other sites

The 30 days was done away with when the CPUTR 2008 was implemented into UK law in May 2008. Just send them a short letter advising them of thier duties and obligations under the UCPD and the CPUTR 2008 :D and that you will report them to TS and the OFT if they chase you for payment while your CCA request is outstanding :p

Link to post
Share on other sites

Some more information and letter templates regarding the CPUT Regs here The Consumer Forums - Consumer Protection from Unfair Trading Regs. 2008

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.

Link to post
Share on other sites

I have just done a letter

 

Dear whoever can be bothered to read this :)

 

Thank you for your letter dated ****. The contents have been noted.

 

However, I do have to disagree with you on the thirty days comment you have made.

 

You have stated that the Consumer Credit Act gives you twelve days to provide the documentation requested, after which, a further thirty days is given to provide the documentation.

As you should be aware the CPUTR (2008) removed the thirty days summary offence and is therefore irrelevant. I would suggest updating your system to show this in future letters you may send out.

 

As the CCA was not provided after the twelve days as required by the Consumer Credit Act, this account remains in dispute and the following still applies.

 

I then inserted from the 'This limit has expired' and all the information that followed, as taken from the account in dispute letter.

 

Does this look ok?

 

ta :)

Link to post
Share on other sites

  • 4 weeks later...

Farewell Lowells, was fun whilst it lasted :(

 

...........received my 'We are closing our files' letter today due to 'this document is no longer available due to the length of time since the account was opened with you'

 

...............altogether now.................................

 

 

 

awwwwwwwwww :D:D:D

Link to post
Share on other sites

Well done!! :D i am having the same problem, to the latter with these people!! I couldn't beleive it when i read what they had sent you, i have had 2 of these letters now basically saying when Crapital One retrieve the CCA Lowells will come back with i must pay the debt in full and that they will seek to enforce it!! :D I have had 2 letters offering the same as yourself, " a once in a lifetime knock down offer in full and final settlement" lol , yup right , was my attitude too! :D so they do it with everyone by the look of it. They also told me that once i had sent off fo r my CCA, and i was paying on a re-payment plan for over 14 months, they became snotty and said that once the document was found by Crapital they would enforce it and i would have to pay in full !!!! :D

I am sending my Account in dispute tomorrow just to make their week and i shall sit back and wait!!

Nice one to the OP :D lets hope i can get the same result :)

Tigs x

Link to post
Share on other sites

  • Recently Browsing   0 Caggers

    • No registered users viewing this page.

  • Have we helped you ...?


×
×
  • Create New...