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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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****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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