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    • That explains it then. MET's fantasy is that it's a pay car park.  You're only let off paying if you are a Starbucks customer which you can't be when Starbucks is closed.  'Cos otherwise lots of people would abuse the car park facilities on the far edge of the Stansted Airport area in the middle of nowhere to ... admire the bushes?  Look at the cloudy sky? The important thing is that we have around 140 cases for this site, and MET have only tried court seven times.  Even then, they had no intention of getting as far as a hearing, they were attempting to intimidate the motorists into paying, when the Caggers defended the cases MET discontinued.
    • She's an only child and he as a brother and sister. He has no will and we have done a check on this to find out if he had left one and nothing has come up. He has savings of around 28k His sister and brother are well off so 28k is nothing to them and aren't interested in his money. This just leaves my wife/his daughter. Would this still need to go to probate there is no estate e.g house or business to sell and the amount left in his bank is just small? When his wife died they just closed her bank account and moved her money across to his account and we just assumed that once my wife has handed in the death certificate and shown evidence of who she is the same would apply to her? We don't know yet the council have only just written to us today with a guide of what to do next.  
    • Did your FiL leave a Will and if so who is the Executor? Strictly speaking banks could refuse to take instructions until Probate is granted but In practice I would expect the bank to take instructions to cancel the DD if the Executor presents the death certificate and a certified copy of the Will
    • Hi   Sorry I probably wasn't clear enough. He had lived in the flat until December 2022 with Dementia by this time it was unsafe for him to have capacity to live on his own and he had to move into a nursing home. We had left it too late to apply for power of attorney so approached a solicitor in March last year for Deputyship. We were still in the process of dealing with it by May 2024. He passed away a few weeks ago and the solicitor was contacted to halt the application and we will just pay the fees of what work he has done up until now. My wife was the named person on her dads bank account but we didn't have the ability to alter any direct debits hence the reasons for applying for Deputyship as we were having problems trying to stop some payments coming out of his account Eon being another difficult company. We kept his flat on from December 2022 - August 2023. it was at this point I contacted Sancutary housing to inform them he was no longer living in the flat, it had been cleared out and was ready for a new tenant and that he had Dementia and had moved into a nursing home December 2022 and explained the reasons why we kept it on. As the named person to speak on his behalf I asked them what proof they needed in order to give notice on the flat e.g proof of dementia and proof that he was living in a nursing home and anything else they wanted. The lady in the upstairs flat and some of the other residence in the street had asked about him and we had told them he had moved into a nursing home. The lady in the upstairs flat wanted his flat for medical reasons so asked us once we had given notice could be let her know and she'll ask them if she can have it. We explained the difficulties and it was left at that but I did tell her I would let her know once notice was given. I contacted the company by email a number of times and also telephone conversations and nobody followed it up and it wasn't till the end of February this year that the housing manager for the area wrote to our home address to ask about him that he had been to the flat a couple of times and nobody answered and he had asked some of the residence in the street and they hadn't seen him for sometime. There was an email address on the letter so I contacted him and copied in the last 2 emails I sent Sanctuary regarding me wanting to give notice on the flat for at least 9 months explaining that it went ignored as well as telephone calls. I also stated I wanted to have his rent payments returned from the date I wanted to give notice which was from August 2023 as the bank wouldn't let us stop the DD without POT or deputyship explaining we were in the process of Deputyship. He gave some excuse about not having POT to cancel on his behalf and spoke to someone in HR and said he would contact the nursing home to confirm he was there with Dementia and if it all checks out we can give notice on the flat which came to an end on the 22 March 2024. There was not mention of back payments for the rent already paid or the fact I had asked to give notice in August 2023. Despite someone living in the flat from 1st April they continue to take DD payments for the flat and have taken another 2 payments of £501. another concerning thing despite Eon not allowing us to cancel the DD to his account the lady upstairs informed Eon that she was moving into the flat February 2024 and Eon refunding the account to his bank and said in an email sorry you are leaving us and canceled his account. Something they wouldn't let us do but a stranger. She also changed her bank account to his address despite the fact notice hadn't been given on the flat yet. So we need to find out how much information Sanctuary actually had for her to tell her power company she was moving into the flat in February despite the housing manager only just getting in contact to find out where he was. So a complaint is going into Eon and Sanctuary and we are going to take advice and ask the bank to charge back the rent. My wife hasn't taken the death certificate to the bank yet to inform them of his passing.  
    • Yes, I believe the Starbucks was closed at the time the car was parked there 
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****Lowell Portfolio Ltd/LEGAL EXPENSES FUND****


UK26
style="text-align: center;">  

Thread Locked

because no one has posted on it for the last 5498 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

lowell-fund.JPG

 

Dear CAG Users

 

Some of you know that I have taken Lowell Portfolio I Ltd to court for enforcement orders under the Data Protection Act 1998.

 

Lowell’s have published incorrect data with all the credit reference agencies and have refused to deal with any disputes.

 

Today (18/02/2009) was a directions hearing at Peterborough County Court. Lowells appear very worried about the case and have chosen to use a barrister to defend them at court.

 

Today lasted 1 hour and the judge has indicated the next hearing in April will last 5 hours. The case is currently allocated to the small clams process. However the judge was in minds to reallocate the hearing to the fast track due to the complex legal issues.

 

If I obtain the orders this will be a big issue to all the debt collection agencies as they will no longer be able to continue carrying on business the way they currently do.

 

Lowells barrister confirmed today, that should I obtain judgement Lowells would take the matter to appeal and would be willing to take the matter up with the high court of appeal should it be necessary.

 

I need help and support from users who can donate some funds to help with my legal expenses, I need to instruct a barrister to work the case on my behalf and also seek legal insurance to protect my self financially should I lose the case.

 

The current Lowell topic with over 700 replies has sadly been moved into a private area of the forum to stop the Lowell Group watching the progress of the case.

 

If anyone is interested in joining the private topic please PM a forum admin who will arrange to give you access.

 

Its vital this case continues or Lowells will once again get away with there bad ways

 

Some of you may know that Lowells have been on the BBC TV Watchdog programme for the way they conduct business.

 

All the best

 

Dave (UK26)

 

the Private topic is located at

 

http://www.consumeractiongroup.co.uk/forum/lowells/159927-lowell-portfolio-12.html

you will need to be approved by Forum admins before you can access the topic

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Was up till 4am reading your thread and am surprised you are taking it so far. Having said that it's about time they were brought to book. I think that the movement to a private forum is overdue, it's obvious there are spies. Good luck with the case.

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Well I would but I cannot access it as apparently it appears that I am either a) A lowells spy or B) so untrustworthy that I cant even access a forum that I think I have posted on.

 

 

Anyway back to espionage for dummies!

 

This post provides three functions... first to tell Woody that the first post does state "PM to site admin to get access" :D:D:D

 

Secondly to ask is there a target? I dont know much about barrister costs, are they the ones in funny wigs in crown court?

 

and thirdly just a shameless bump as this needs to be made a sticky really! Site Admins?

 

The actions of DCA's and their flouting of the laws of the land need to be brought to account.

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I've no idea of the cost of employing barristers etc but I know that some very experienced CAGgers are working on this and this should keep the costs down a little.

 

Meanwhile I wish UK26 and all of his legal team the very best,the stakes are high but could change the face of the debt collection industry as we know it.

 

Knowledge is Power and CAG seem to have plenty of both.

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I will provide updates here for users who do not have access.

 

at the moment, we are re-drafting the statement of case to cover some issues raised at the first court hearing that took place on the 18th Feb.

 

Will provide you with more updates asap

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Just a thought, I subscribed to the thread in question back when it was only a couple of pages long, I have not posted on it yet but can view it after it was made private.

 

Does this mean anyone who subscribed before it was made private can access it now?

 

If this is not an issue please ignore me, but I though it was worth mentioning as I am sure we do not want the wrong people looking in.

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I am anxious to have access to the private thread, so will pm a mod.

 

Well done for taking this on, your a star in the making

 

Regards CCM

Please note i have no legal training any advice i give comes from my own experience and from what i have learned on this site

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Best of luck uk26 , CAG has already helped me to fight the dca and greedy banks and i will be sending money over next couple of days , keep up the fight for all of us and i hope that even if somebody can spare the odd fiver they will !!!! HERE' S TO THE UNDER DOGS, THE DOWNTRODDEN, THE SMALL PEOPLE.

 

Manc1

MANC 1

 

 

 

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Lowells need bringing to book.

Today Lowells, aka Hamptons, aka Red sent me a letter saying they would be contacting experian for a copy of my credit file to decide which route of enforcement they were going to take.

I thought that only the person named could could call for a personal file and in any case, a DCA should not be able to conduct a search as they are not an approved financial organisation.

As soon as I have some spare cash, its coming your way.

Of course I will pay you everything you say I owe with no proof.

Oooh Look....Flying Pigs

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Lowells need bringing to book.

Today Lowells, aka Hamptons, aka Red sent me a letter saying they would be contacting experian for a copy of my credit file to decide which route of enforcement they were going to take.

I thought that only the person named could could call for a personal file and in any case, a DCA should not be able to conduct a search as they are not an approved financial organisation.

As soon as I have some spare cash, its coming your way.

 

You do know who OWNS the CRAs, i.e. the DCAs/Banks, they are the CUSTOMERS of the DCAs, thats why im amazed when i read such things on here as "i have checked my credit file today", as soon as you do that it gets flaged up to all these morons, and the next thing you know your letter box and phone is full of all of them.

 

Big wake up call DO NOT check your credit file.

Please note i have no legal training any advice i give comes from my own experience and from what i have learned on this site

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UK26-Saw your call for a stickie-but in view of all the stickies in this forum-it prob would be better to leave it-as interest is rejuvenated following the recent developments it should float around the top with an occasional bump.

Have a happy and prosperous 2013 by avoiiding Payday loans. If you are sent a private message directing you for advice or support with your issues to another website,this is your choice.Before you decide,consider the users here who have already offered help and support.

Advice offered by Martin3030 is not supported by any legal training or qualification.Members are advised to use the services of fully insured legal professionals when needed.

 

 

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I will try to find out for you.

Have a happy and prosperous 2013 by avoiiding Payday loans. If you are sent a private message directing you for advice or support with your issues to another website,this is your choice.Before you decide,consider the users here who have already offered help and support.

Advice offered by Martin3030 is not supported by any legal training or qualification.Members are advised to use the services of fully insured legal professionals when needed.

 

 

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Was watching a little light entertainment earlier and noticed something quite extraordinary.

 

watchdoglow.jpg

 

 

Lowells datamatrix is on the letter from 3 telling the Lowell customer that they owe Lowells an imaginary £212 debt.:D:D

You have the right to food money.

If you don't mind a little investigation, humiliation, and if you cross your fingers rehabilitation..............

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A donation from me, good luck UK26:D

L/Woods B/Card/Cabot - Unenforceable CCA, SD Issued *WON+COSTS*

Capital One/Cabot - No CCA account irrecoverable.

Citi/DLC Hillesden - No CCA account irrecoverable

MBNA/Aegis - Unenforceable CCA

B/Card/HFO - Unenforceable CCA

Fashion World - No CCA account irrecoverable

TRUECALL IS A GODSEND!!

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Was watching a little light entertainment earlier and noticed something quite extraordinary.

 

watchdoglow.jpg

 

 

Lowells datamatrix is on the letter from 3 telling the Lowell customer that they owe Lowells an imaginary £212 debt.:D:D

 

Threat-o-gram no doubt sent by Lowell, if it came direct from "3" no doubt payment would be requested to their address - and not that of a third party who will take a percentage of the payment if it is made.

Advice offered by ENRON is without prejudice and is for your judgement as to whether to take it. You should seek the assistance or hire of a solicitor or other paid professional if in doubt.

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