Jump to content

You can now change your notification sounds by going to this link https://www.consumeractiongroup.co.uk/index.php?/&app=soundboard&module=soundboard&controller=managesounds

 

You can find a library of free notification sounds in several places on the Internet. Here's one which has a very large selection https://notificationsounds.com/notification-sounds

 

 

BankFodder BankFodder

 

BankFodder BankFodder


  • Tweets

  • Posts

    • look up on land registry who owns the property then get in contact with your local environmental heath dept.   dx  
    • Hello all,   I have recently moved into a new property. The bedroom window is facing a bunch of commercial crates which have trash on top of them. The trash is maybe two metres away from the window, making it impossible for the window to be open (I am also afraid of rats being there).   The other windows of the property are facing a communal, enclosed area, which is making it difficult for the property to be properly ventilated. I have already raised this issue with my estate agency and they are trying do to something about it (to be honest, if I leave everything to them, this issue won't be solved until my tenancy is finished, and that is more than one year away).   I am asking for advice, or how could I approach this issue.   I have spoken to my council and, since they do not deal in private property, there is nothing they can do, at least this is what they have told me.   The property with the trash is not owned by my landlord. It is an open space, with big crates, closed off by a fence. If I could, I would climb those crates and remove the trash myself but I cannot. I also cannot climb out the window to reach the trash, as the window is too small.   At times, I see a car in that property but I have never seen the driver. I left a note in the car's window explaining the issue and giving my number. This was around a week ago and nobody came back to me.   
    • Hi   First off ALL Tenants need to re report all the different repairs again via their repairs procedure. Yes its good to get a list of all properties repairs with photo/video evidence signed by all property tenants but you all need to fight this individually as well as a group.   Next you all need to look up your rights on Repair i.e. The Right to Repair Scheme and also their Complaints Procedure.   http://www.legislation.gov.uk/uksi/1994/133/made   https://england.shelter.org.uk/housing_advice/repairs/right_to_repair_for_council_tenants   All Tenants need to take control back with these repair and ask in writing titling any letter 'FORMAL COMPLAINT' and stating the repair and why it hasn't been carried out to date and an exact date when it will be completed.   You also require clarification whether these Repairs come under the Right to Repair Scheme and if so why we were never informed of this. (delete or amend)   You also require copies of the following:   Right to Repair Scheme Policy (Not the Leaflet Repair and Maintenance Policy (Not the Leaflet) Solar Panel Policy (Not the Leaflet) Complaints Policy (Not the Leaflet) Equality & Diversity Policy (Not the Leaflet) When you get the above policies you need to take your time reading them and just think to yourself 'DID THEY DO THAT' in relation to your issue and if not mark it this way you build a list of what they haven't done/followed as per there own Policies and use it against them.   They will have time limits to complete repairs within for Emergency, Urgent, Routine repairs and if they exceed that time limit and need to extend it remember it is with you the tenants agreement not them telling you and tough you can wait.   (bear in mind any repairs during COVID-19 the time limits are now different and most routine repairs are stopped)  
    • I was on UC in late March, and recently received some quite non-committal message that the commitments would be returning, but no indication when.     If I remember correctly the expectation was that we could find at least one job per day to which to apply, or some such nonsense.   Given that the government can only guess how many workplaces will be safe :  1) to commute to/from at the time of job application; 2) to work in at the time of job application;    3) to commute to/from at the date of starting a job ; 4) to work in at the date of starting a job,  5) to commute to/from at the date permanent WFH is dropped; 6) to work in at the date permanent WFH is dropped,    and given that we have lost 20% of our economy, I fail to see how they can both reasonably and immediately mandate any minimum figure of jobs we must apply for whilst this virus just killed over 135 people in the UK (stats released today).  That is only down from 155 last week, and about 175 a fortnight back.   At this rate it will be another 7 weeks MINIMUM before the mortality rate is zero - if it ever reaches zero before the inevitable second wave.  
    • who has sent this 'letter of claim' come from and doe sit mention the pre action protocol and include a separate response pack? 
  • Our picks

    • Currys Refuse Refund F/Freezer 5day old. Read more at https://www.consumeractiongroup.co.uk/topic/422656-currys-refuse-refund-ffreezer-5day-old/
      • 5 replies
    • Hi,  
      I was in Sainsbury’s today and did scan and shop.
      I arrived in after a busy day at work and immediately got distracted by the clothes.
       
      I put a few things in my trolley and then did a shop.
      I paid and was about to get into my car when the security guard stopped me and asked me to come back in.
       
      I did and they took me upstairs.
      I was mortified and said I forgot to scan the clothes and a conditioner, 5 items.
      I know its unacceptable but I was distracted and Initially hadn’t really planned to use scan and shop.
       
      No excuse.
      I offered to pay for the goods but the manager said it was too late.
      He looked at the CCTV and because I didn’t try to scan the items he was phoning the police.
       
      The cost of the items was about £40.
      I was crying at this point and told them I was a nurse, just coming from work and I could get struck off.
       
      They rang the police anyway and they came and issued me with a community resolution notice, which goes off my record in a year.
      I feel terrible. I have to declare this to my employer and NMC.
       
      They kept me in a room on my own with 4 staff and have banned me from all stores.
      The police said if I didn’t do the community order I would go to court and they would refer me to the PPS.
       
      I’m so stressed,
      can u appeal this or should I just accept it?
       
      Thanks for reading 
      • 12 replies
    • The courier industry – some basic points for customers. Read more at https://www.consumeractiongroup.co.uk/topic/421913-the-courier-industry-%E2%80%93-some-basic-points-for-customers/
      • 1 reply
    • The controversial sub-prime lender says the City watchdog is investigating its practices.
      View the full article
      • 0 replies
spitfire650

Lowells and their 42 days for complying with CCA request

style="text-align:center;"> Please note that this topic has not had any new posts for the last 3968 days.

If you are trying to post a different story then you should start your own new thread. Posting on this thread is likely to mean that you won't get the help and advice that you need.

If you are trying to post information which is relevant to the story in this thread then please flag it up to the site team and they will allow you to post.

Thank you

Recommended Posts

I sent a request for a copy of the CCA to Lowells. Like other site visitors I received the usual crap from Ms Swallow advising they had an extra 30 days to provide a copy of the original agreement.

 

I took this up with their "compliance department" and received the following response.

 

Under Section78(1) upon receipt of a request for information in writing and payment of the prescribed fee of £1.00 any Creditors are required to provide a copy of the executed agreement (if any) together with a statement as to (i) the current state of the account, (ii) the amount, if any, that is currently payable, (iii) dates any future payments are due for payment if any further draw down credit is due against the account.

 

The Consumer Credit (Prescribed Periods for Giving Information) Regulations 1983 provides that any such information following receipt of any such request is to be complied with within 12 working days. If that fails to happen then the Creditor has a further 30 days to comply with the request failing which the Creditor is deemed to be in default of such a request. Section 78(6)(a) of the Act states that where a Creditor is in default of such a request they are not entitled to enforce the agreement while the defaults continues. Section 78(6)(b) relating to the Creditor committing a criminal offence by failing to respond within the prescribed time limits to a request was revoked and are not current law in accordance with the terms of The Consumer Protection from Unfair Trading Regulation 2008 that came into as law on 26 May 2008.

 

I couldn't find any reference to the extra 30 days in the Consumer Credit (Prescribed Periods for Giving Information) Regulations 1983.

 

Needless to say they didn't produce anything after 12 or 42 days and refused my request to refund the £1.00 fee ...

Share this post


Link to post
Share on other sites

absolute cr*p.yet again.

ms swallow will not be told.

 

did you put indispute when their 12+2 was up?

 

and have they now closed your file?

 

SAM:pLOWELL DETESTER


SAM:pLOWELL DETESTER.

 

SO PROUD OF MY AVATAR,THAT TOOK ME WEEKS TO WORK OUT HOW TO GET ONE.:lol:

 

PLZ CLICK MY SCALES IF YOU LIKE WHAT I SAY.

OR IF I HAVE HELPED IN ANY WAY.:smile:

Share this post


Link to post
Share on other sites

Thanks Sam, that was my initial thought too.

 

The response I quoted wasn't actually from Ms Swallow, but someone called "Bob Collins - Director of Compliance" who doesn't sound any smarter than her.

 

He also informed me that the account was statute barred and they would be closing their file.

Share this post


Link to post
Share on other sites

well done.:D

 

bet they knew it was statute anyway;)

 

lets hope they are not stupid enough to pass on.

 

SAM:pLOWELL DETESTER


SAM:pLOWELL DETESTER.

 

SO PROUD OF MY AVATAR,THAT TOOK ME WEEKS TO WORK OUT HOW TO GET ONE.:lol:

 

PLZ CLICK MY SCALES IF YOU LIKE WHAT I SAY.

OR IF I HAVE HELPED IN ANY WAY.:smile:

Share this post


Link to post
Share on other sites

SAM:pLOWELL DETESTER.

 

SO PROUD OF MY AVATAR,THAT TOOK ME WEEKS TO WORK OUT HOW TO GET ONE.:lol:

 

PLZ CLICK MY SCALES IF YOU LIKE WHAT I SAY.

OR IF I HAVE HELPED IN ANY WAY.:smile:

Share this post


Link to post
Share on other sites

As usual Lowell have got it wrong & they have been reminded time and time again. They are referring to part of the CCA 1974 which was removed from the Act in May 2008 in which they commit an offence if they fail to provide a true copy of the CCA within 30 days after the initial 12 working days allowed.

 

Obviously they are incapable/unwilling to understand the basic requirements of the Act so in my opinion are unfit to even be licenced. Further to the fact above they are in breach of OFT guidelines by using deceptive collection methods by misinforming you of the leglislation so a complaint to the OFT would be in order.


Anthrax alert at debt collectors caused by box of doughnuts

 

Make sure you do not post anything which identifies you. Although we can remove certain things from the site unless it's done in a timely manner everything you post will appear in Google cache & we do not have any control over that.

 

Vir prudens non contra ventum mingit

 

[sIGPIC][/sIGPIC]

17 Port & Maritime Regiment RCT

Share this post


Link to post
Share on other sites

do e-mail her each week and point it out.

 

she does not love me any more dont get a reply now,maybe she cant read or understand.

 

have to e-mail bob:D

 

do as cerberus says report to oft.

they should not have a licence.

 

SAM:pLOWELL DETESTER


SAM:pLOWELL DETESTER.

 

SO PROUD OF MY AVATAR,THAT TOOK ME WEEKS TO WORK OUT HOW TO GET ONE.:lol:

 

PLZ CLICK MY SCALES IF YOU LIKE WHAT I SAY.

OR IF I HAVE HELPED IN ANY WAY.:smile:

Share this post


Link to post
Share on other sites

I'll definitely be writing to the OFT next week - these people are parasites pure and simple IMO. You'd think the government would take action to curb their deceptive business practices.

Share this post


Link to post
Share on other sites

I would love to see the file the OFT have on Lowell & co to date, or should that be a whole library? The amount of complaints they have received because of their activities and ineptitude, breaches of OFT guidelines, CCA leglislation, data-protection yet they are still allowed to continue plying their dubious trade. :rolleyes:


Anthrax alert at debt collectors caused by box of doughnuts

 

Make sure you do not post anything which identifies you. Although we can remove certain things from the site unless it's done in a timely manner everything you post will appear in Google cache & we do not have any control over that.

 

Vir prudens non contra ventum mingit

 

[sIGPIC][/sIGPIC]

17 Port & Maritime Regiment RCT

Share this post


Link to post
Share on other sites

I am wondering if contacting my M.P. would achieve anything.

Share this post


Link to post
Share on other sites

since feb 09

 

stoke on trent TS have recieved 65 complaints forwarded from consumer direct

 

59 of these in relation to lowell/red/hampton threats

 

intend to ask my MP how many complaints are needed,thinks its been proved beyond a doubt that they should not be allowed to continue.

 

have contacted watchdog yesterday,asking for a follow up program.

 

SAM:pLOWELL DETESTER


SAM:pLOWELL DETESTER.

 

SO PROUD OF MY AVATAR,THAT TOOK ME WEEKS TO WORK OUT HOW TO GET ONE.:lol:

 

PLZ CLICK MY SCALES IF YOU LIKE WHAT I SAY.

OR IF I HAVE HELPED IN ANY WAY.:smile:

Share this post


Link to post
Share on other sites

Totally with you on this Sam - its a total disgrace that Lowell are allowed to operate the way they do. They are deliberately seeking to obtain money by deception on a daily basis and should be stopped.

 

With TS don't you have to contact your local office as opposed to where Lowell are operating from? I am going to ring mine on Monday. Working on a complaint to the OFT this weekend as well.

 

Do you think there is any benefit in complaining to the FOS as well?

Share this post


Link to post
Share on other sites

TS pass complaints to the office nearest to Lowlifes who in turn pass it on to the OFT, you can cut out the middleman and complain direct to the OFT;

debtcollectionguidance@oft.gsi.gov.uk


Anthrax alert at debt collectors caused by box of doughnuts

 

Make sure you do not post anything which identifies you. Although we can remove certain things from the site unless it's done in a timely manner everything you post will appear in Google cache & we do not have any control over that.

 

Vir prudens non contra ventum mingit

 

[sIGPIC][/sIGPIC]

17 Port & Maritime Regiment RCT

Share this post


Link to post
Share on other sites

RING 01133848848 leeds consumer direct and they give you a reference number;)

 

they then forward your complaint to west yorkshire TS

 

and your local TS they then contact you for more details.

 

FOS 02079641000

 

will tell you to try and resolve with lowlifes first.

and get back if you are not satisfied with final response.

 

 

SAM:pLOWELL DETESTER


SAM:pLOWELL DETESTER.

 

SO PROUD OF MY AVATAR,THAT TOOK ME WEEKS TO WORK OUT HOW TO GET ONE.:lol:

 

PLZ CLICK MY SCALES IF YOU LIKE WHAT I SAY.

OR IF I HAVE HELPED IN ANY WAY.:smile:

Share this post


Link to post
Share on other sites
since feb 09

 

stoke on trent TS have recieved 65 complaints forwarded from consumer direct

 

59 of these in relation to lowell/red/hampton threats

 

intend to ask my MP how many complaints are needed,thinks its been proved beyond a doubt that they should not be allowed to continue.

 

have contacted watchdog yesterday,asking for a follow up program.

 

SAM:pLOWELL DETESTER

 

SAM,

Where did you get the information from re: the complaints received by Stoke on trent TS?

 

AC

Share this post


Link to post
Share on other sites

trading standards officer is helping me to get a detailed account of the amount of people

affected by lowell in stoke area.

 

cant say what im up to just yet;):D

 

SAM:pLOWELL DETESTER


SAM:pLOWELL DETESTER.

 

SO PROUD OF MY AVATAR,THAT TOOK ME WEEKS TO WORK OUT HOW TO GET ONE.:lol:

 

PLZ CLICK MY SCALES IF YOU LIKE WHAT I SAY.

OR IF I HAVE HELPED IN ANY WAY.:smile:

Share this post


Link to post
Share on other sites

Thanks Sam,

I only asked because when I tried to obtain similar information regarding Link Financial from Lambeth TS, they would not provide the information about the number of complaints that had been made!

 

Good Luck to you from another who loathes Lowell.

 

AC

Share this post


Link to post
Share on other sites

Spitfire650

 

:D:d:d

 

 

Sam

Edited by sam614

SAM:pLOWELL DETESTER.

 

SO PROUD OF MY AVATAR,THAT TOOK ME WEEKS TO WORK OUT HOW TO GET ONE.:lol:

 

PLZ CLICK MY SCALES IF YOU LIKE WHAT I SAY.

OR IF I HAVE HELPED IN ANY WAY.:smile:

Share this post


Link to post
Share on other sites

  • Recently Browsing   0 Caggers

    No registered users viewing this page.


  • Have we helped you ...?


×
×
  • Create New...