Jump to content


  • Tweets

  • Posts

    • I left Dubai 8 years ago and intended to return. However a job prospect fell through. I’d been there for 15 years. Anyway 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?
    • No apology needed, thank you for what you do I am glad to hear they paid. well done on getting back what is yours
    • Apologies all for the late reply and info, i have been away with the Army. They have paid I accepted the offer on the 5th of May, and they paid on the 17th of May.
  • 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

Lowell Financial


style="text-align: center;">  

Thread Locked

because no one has posted on it for the last 5472 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

Hi guys, I need some advice.

 

I have received a letter from THEM saying i owed them XXXX, i replied with a CCA letter (sent recorded!) they replied saying we are looking to get it from the XXXX co. Their time expired and I have now sent them a letter saying you have not sent blah blah these letters I used form the Consumer Forum library (thank you!!)

 

What should I expect now and how should I proceed?!!

 

Many thanks in advance for any advice

 

XX

Link to post
Share on other sites

  • Replies 54
  • Created
  • Last Reply

Top Posters In This Topic

Top Posters In This Topic

expect more demands and total ignorance from them and then something that is meant to be a cca.

 

and expect to laugh at their replies.

 

ida x

  • Haha 1

Please contact a member of the site team if you are offered help off the forum for a a paid or no win no fee service.

 

Please consider making a small donation to help keep this site running

Click here to donate through PayPal (opens in a new window)

Link to post
Share on other sites

I am dealing with Lowell in behalf of a friend. hey have some how obtained my new un registered mobile number. I know my friend would not have given it to them because she has got the old one and my new one is family only number which i had had the matter of 3 weeks.

 

I never gave them any number on the letters. They told me the person i am acting on behalf of gave them it but i know she could not have.

 

Anyway they are a bunch of liars so never believe what they say until they have buggered off.

  • Haha 1

OFT debt collection guidance

 

Please remember the only stupid question is the one you dont ask so dont worry about asking the stupid questions.

 

Essex girl in pc world looking 4 curtains 4 her pc,the assistant says u dont need curtains 4 a computer!!Essex girl says,''HELLOOO!! i,ve got WINDOWS!!'.

Link to post
Share on other sites

i also sent for cca from lowells on 2/4/09 got the same reply waiting for it from archives from origional company,still waiting for it.reply letter dated

17/4/09 but never recieved it untill 24/4/09 will chase them up tomorrow again.

  • Haha 1
Link to post
Share on other sites

How are this company allowed to continue with the tactics they use. Surely they have breached countless regulations. And how can the people that work there sleep at night!!

 

The woman I spoke to was extremely insulting to me. After asking who the company was who I owed the money too, she said "Do you owe to that many companies you have forgotten!!!" If i could have put my hand down the phone I would have choked her!! I have no credit purely because i don't have and have never had a credit card. I have no loans and not a dot on HP. I buy with hard earned cash, if i don't haveit, I don't buy it!!!!

 

I refuse to have my hard earned cash given to someone who does naff all. I have a respectable job and for the first time in my life feel secure!!

 

A good place to be in this current climate.:cool:

Link to post
Share on other sites

never call them. they are making money on your call. they will only try to humilate, bully and scare you.

 

 

ida x

Please contact a member of the site team if you are offered help off the forum for a a paid or no win no fee service.

 

Please consider making a small donation to help keep this site running

Click here to donate through PayPal (opens in a new window)

Link to post
Share on other sites

How are this company allowed to continue with the tactics they use. Surely they have breached countless regulations. And how can the people that work there sleep at night!!

 

they are sailing very close to the wind,and are being watched by OFT /TS/FOS at the moment.

 

they will say anything to get a payment,abuse that you cant prove unless you have been lucky enough to record their vile crap:)and thats why they dont like it when you refuse to speak to them,they cant talk to you like that in a letter:rolleyes:

 

everyone continue to report,every complaint costs them:D

SAM:pLOWELL DETESTER

  • Haha 1
Link to post
Share on other sites

With regard to your question of how they keep getting away with it, this is why we ask everyone with any problem to notify the OFT and TS as this is the only way they can be stopped. They have had their own way for too long and it is time to stand up and be counted.

 

As requested Sam, !

  • Haha 2
Link to post
Share on other sites

Hi,

 

Just responding to your PM.

 

You asked how to see them off. Well it is easy so long as they don't have the agreement.

 

You say they have "graciously" stopped collection activity until such time an agreement is found.

 

They are fairly predictable in their tactics.

In my case, once I'd asked for the agreement, they sent 3 letters and then a final one saying they couldn't find the agreement "within the timescales allowed" so they were closing my file. Each letter before they vanished offered me the opportunity to settle for a smaller amount which I chose to ignore.

 

I don't think you will be able to get rid of them entirely as they love to screw with your credit file to make things awkward for a few years. Up to now, the only time anyone's credit file has been cleared is by taking Lowells to court (I could be wrong of course :))

 

It's just a case of wait and see at the moment. If you've not read my liitle thread on lowells, I can point you in the right direction.

 

 

fox

 

EDIT- message for SAM614- Whoohoo, you have a second green blob:D

If you are asked to deal with any matter via private message, PLEASE report it.

Everything I say is opinion only. If you are unsure on any comment made, you should see a qualified solicitor

Please help CAG. Order this ebook. Now available on Amazon. Please click HERE

Link to post
Share on other sites

devonhillbilly.

as silverfox says,they are predictable,so you will prob go the same route that we have already travelled,

up to you regarding f&f that they will try as a last ditch attempt to get something back,

I would not give them a penny:rolleyes:

watch your file though as they like to do it for spite,me thinks.

 

silverfox.:D

gold and 2 blobs way me,thanks to citizenB

SAM:pLOWELL DETESTER

Link to post
Share on other sites

You will probably received a letter from them stating that they have 40 days to comply with your CCA request. They pulled this one on me (well, on my friend, who's debts I am dealing with on her behalf). They think they can apply the same rules as a SAR to the CCA.

 

If you DO get a letter like this, I have a brilliant template you could use, given to me by a fellow Cagger. I will post it below.

If I have been helpful in any way, please tip my scales :lol:

Link to post
Share on other sites

Full credit for this goes to fellow CAG user ODC:

 

Dear Ms Swallow

 

Thank you for your rather silly letter. You are in fact mistaken in your misguided response to my CCA request. As a Credit Professional :rolleyes:belonging to a company who are members of the CSA:grin: I would have thought that you would be au fait with current legislation. You are sadly mistaken in you opinion that you have more than 12 working days to comply with my legal request and I suggest you contact a solicitor for Legal advice (I would not recommend your in house team of Hampton Legal).

 

On this occasion I will put your response down to mere stupidity rather than a deliberate attempt to deceive which as you know would be a clear breach of the Consumer Protection from Unfair Trading Regulations 2008, The CSA Code as well as the OFT Guidelines on the Collection of Debt.

 

Actually I think I will report the matter to the OFT as it would appear the lack of knowledge the Consumer Credit Act would indicate perhaps that the Lowell Group are not fit to hold a Consumer Credit Licence.

 

You cannot pretend that you were not aware of the change in Legislation as it has been pointed out to you numerous times by members of the Consumer Action Group.

 

Infact I dont even know why you bothered sending you silly letter to me when you know as well as I do that Capital One will be unable to produce anything remotely resembling a properly executed CCA Agreement.

 

So why waste my time and yours by pretending otherwise.

 

 

yours etc

 

I ammended it ever so slightly, and it was sent the other day. I can't wait to see how they reply :D

If I have been helpful in any way, please tip my scales :lol:

Link to post
Share on other sites

I was thinking of maybe sending a jiffy bag of dog s**t to Cornell's home address with a note "as you send crap to my home ..."

 

I think I read somewhere a hedge fund invested in these maggots. Maybe sending protest letters to the directors home address might cause them some hurt.

  • Haha 1
Link to post
Share on other sites

ok got the letter for extra days but no offer a f&f. Should I reply to this or sit and wait some more? Startin to pee me off now!!

 

They say in the letter "in accordance with schedule 2, paragraph 2(a) of the act that deals with any request under section 10" that they can carry on processing my details.

Link to post
Share on other sites

you can inform the lovely ms swallow that she has not got another 30days:)

send the letter by ODC.

think she is told this weekly now,but still not sunk in.

 

or just sit and wait for your sorry we cant get your cca,but pleaseeeeeeeeeeeee still pay us letter.

SAM:pLOWELL DETESTER

Link to post
Share on other sites

ok, new letter recieved.

 

Following your recent request to be provided with a copy of the original credit agreement in respect of the Consumer yadda yadda I can confirm our client 1st Credit has requested that your credit agreement be retrieved from archive.

 

Once your agreement is retrieved you will be required to repay in full. If deemed necessary, we may initiate legal proceedings which could increase yadda yadda.

 

Is this another BS letter i should respond to somehow?!!

Link to post
Share on other sites

  • Recently Browsing   0 Caggers

    • No registered users viewing this page.

  • Have we helped you ...?


×
×
  • Create New...