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Lowell/Hampton Statutory Demand *** WON + COSTS ***


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The 40th anniversary of the Moon landings gave new impetus to the conspiracy theorists who maintain that the Apollo programme was a hoax. Nasa responded: “Conspiracy theories are always difficult to refute because of the impossibility of proving a negative.”

That statement is a nice instance of the correct use of “refute”. To refute a proposition means that you disprove it. Nasa rightly observes that a conspiracy theory is unfalsifiable. That makes it unlike a scientific theory, which advances hypotheses that can be tested. Scientists continually try to refute theories to arrive at better explanations. Conspiracy theorists do the opposite: they explain conflicting data by positing an even wider conspiracy than the one they had first thought of.

If you don’t offer disproof of a charge then you can’t be refuting it. When Greater Manchester Police were accused this month of collusion in the torture of a member of al-Qaeda, a spokesman declared: “We are confident in the behaviour of our officers and we refute any allegations of impropriety.” No, they didn’t: they merely said that the allegations were false. That was not refuting the charges but denying them. Refuting them was what the police wished to do but had not yet done.

The police are not the worst public-service abusers of “refute”. A long dispute about admissions data for an academy recently drew this sharp comment from the Higher Education Funding Council for England (HEFCE): “It’s completely untrue that we turned a blind eye to incorrect data returns from London Metropolitan University. We also refute the fact that there was any change in attitude by HEFCE.”

The HEFCE spokesman managed to confuse not only deny and refute, but also (and bizarrely) “allegation” and “fact”. You can't refute a fact because, by definition, a fact is true. To deny something while inadvertently describing it as true is a defence of some incompetence.

Occasionally a writer will be aware that refute and deny mean different things but not be familiar with the exact distinction. There is a temptation then to use “rebut” in the sense of “deny”. It should always be resisted. To rebut a charge means to offer detailed evidence against it. In a debate, one side will rebut the argument presented by the other. If it merely denies the argument, then there won’t be much of a debate. If it refutes the argument, then it will have won the debate.

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Hello guest :)

 

There were 6 guests at one point reading this thread earlier :eek:

[B]Nunquam redono spes Nunquam occulto evinco [/B] [SIZE="1"][COLOR="Red"][B]HighFly - 1 Lowell - 0 £5200 SD set aside + costs won HighFly -1 Wescott - 0 £4200 S. barred, removed from files[/B][/COLOR][/SIZE]

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There were 6 guests at one point reading this thread earlier :eek:

 

Could possibly be visitors who havent yet registered. Googling a debt issue usually brings up a CAG post.

 

Of course there is also the possibility of "unwanted" guests and they must now be feeling pretty stressed that you have won :D

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PLEASE DO NOT ASK ME TO GIVE ADVICE BY PM - IF YOU PROVIDE A LINK TO YOUR THREAD THEN I WILL BE HAPPY TO OFFER ADVICE THERE:D

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There were 6 guests at one point reading this thread earlier :eek:

Things are so quiet in the leeds Threat Centre now that people have found them out to be the sad bunch of losers that they really are. Jimmy C and Andy B are not best pleased

 

jimmyc.jpg

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I've been looking over my credit file, regarding this case.

 

Lowell have accessed my credit file 9 times this year, unrecorded. :eek:

 

What concerns me is that both these accounts are showing up as in default.

 

Name: MR

Address:

Date of birth:

Company name: LOWELL PORTFOLIO I LTD

Account type: Credit card / Store card

Started: 02/01/1996

Default Balance: £2,567

Current Balance: £2,567

 

Defaulted On: 18/11/2004

File Updated for the Period to: 01/03/2009

Status history:

[] brackets indicate most recent months status [ 8 ] What's this?

Note: A defaulted account is removed from your report after six years whether or not you have paid the debt in full. If you have paid some of the debt off, the balance should show how much you still owe.

 

.....................................................

 

Name:

Address:

Date of birth:

Company name: LOWELL PORTFOLIO I LTD

Account type: Credit card / Store card

Started: 22/04/1993

Default Balance: £2,783

Current Balance: £2,783

 

Defaulted On: 25/11/2004

File Updated for the Period to: 01/03/2009

Status history:

[] brackets indicate most recent months status [ 8 ]

 

Note: A defaulted account is removed from your report after six years whether or not you have paid the debt in full. If you have paid some of the debt off, the balance should show how much you still owe.

 

I have CCA'd them, but have received nothing yet; tic toc tic toc.......

 

How they were defaulted in 2004 is a mystery, as I've had no involvement with Co-Op (cards issuer) since before 2002.

 

If they can't find any agreements, I presume they both go into dispute....?

 

The SD has been set aside (no cheque yet though, grrr). Tic Toc Tic Toc....

 

What do I have to do though to get these records removed from my file?

 

Thanks in advance

 

HF

 

As an aside, it seems all that is said about CRAs divulging info is true; since accessing my file, I've had a demand from Wescot and one from Rockwell for 2 other alleged amounts, neither of which are on my credit file, and for which I have no records. :confused:

 

Bring it on...... :lol:

[B]Nunquam redono spes Nunquam occulto evinco [/B] [SIZE="1"][COLOR="Red"][B]HighFly - 1 Lowell - 0 £5200 SD set aside + costs won HighFly -1 Wescott - 0 £4200 S. barred, removed from files[/B][/COLOR][/SIZE]

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HF, do a search for threads by car2403.. you will find lots of information in those with regards to removing defaults.

Have we helped you ...?         Please Donate button to the Consumer Action Group

Uploading documents to CAG ** Instructions **

Looking for a draft letter? Use the CAG Library

Dealing with Customer Service Departments? - read the CAG Guide first

1: Making a PPI claim ? - Q & A's and spreadsheets for single premium policy - HERE

2: Take back control of your finances - Debt Diaries

3: Feel Bullied by Creditors or Debt Collectors? Read Here

4: Staying Calm About Debt  Read Here

5: Forum rules - These have been updated - Please Read

BCOBS

1: How can BCOBS protect you from your Banks unfair treatment

2: Does your Bank play fair - You can force your Bank to play Fair with you

3: Banking Conduct of Business Regulations - The Hidden Rules

4: BCOBS and Unfair Treatment - Common Examples of Banks Behaving Badly

5: Fair Treatment for Credit Card Holders and Borrowers - COBS

Advice & opinions given by citizenb are personal, are not endorsed by Consumer Action Group or Bank Action Group, and are offered informally, without prejudice & without liability. Your decisions and actions are your own, and should you be in any doubt, you are advised to seek the opinion of a qualified professional.

PLEASE DO NOT ASK ME TO GIVE ADVICE BY PM - IF YOU PROVIDE A LINK TO YOUR THREAD THEN I WILL BE HAPPY TO OFFER ADVICE THERE:D

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Just an update with, well, nothing to tell. :(

 

Lowell have 49 hours and fifty minutes left to pay costs (by 4pm, Thursday August 20th).

 

Tic Toc Tic Toc.

 

The CCA request letter I sent was dated August 1st, posted (recorded) on the 3rd, delivered on the 4th. When did the clock start ticking on that, and what is the deadline date therefore?

 

Tic Toc Tic Toc.

 

I'd like to hit the ground running with this if either of the deadlines is missed. I'd appreciate some pointers as to what I should be preparing for next.

 

Many thanks

 

HF

[B]Nunquam redono spes Nunquam occulto evinco [/B] [SIZE="1"][COLOR="Red"][B]HighFly - 1 Lowell - 0 £5200 SD set aside + costs won HighFly -1 Wescott - 0 £4200 S. barred, removed from files[/B][/COLOR][/SIZE]

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Just an update with, well, nothing to tell. :(

 

Lowell have 49 hours and fifty minutes left to pay costs (by 4pm, Thursday August 20th).

 

Tic Toc Tic Toc.

 

The CCA request letter I sent was dated August 1st, posted (recorded) on the 3rd, delivered on the 4th. When did the clock start ticking on that, and what is the deadline date therefore?

 

Tic Toc Tic Toc.

 

I'd like to hit the ground running with this if either of the deadlines is missed. I'd appreciate some pointers as to what I should be preparing for next.

 

 

 

 

Many thanks

 

HF

 

http://www.consumerforums.com/resources/templates-library/86-debt-collectors/571-failiure-to-provide-a-copy-of-the-agreement-within-the-prescribed-timescale

 

re try that one.

are all links taking you to home page?

 

SAM

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Fabulous Sam, thanks.

 

Must have been a temp glitch with the site.

 

Loading up with armour as I type... ;)

 

28 hours and 50 minutes...tic toc tic toc......

[B]Nunquam redono spes Nunquam occulto evinco [/B] [SIZE="1"][COLOR="Red"][B]HighFly - 1 Lowell - 0 £5200 SD set aside + costs won HighFly -1 Wescott - 0 £4200 S. barred, removed from files[/B][/COLOR][/SIZE]

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Complaint gone in to the OFT, and part 2 ready to go if they miss tomorrow on either count.

 

Tic toc tic toc

[B]Nunquam redono spes Nunquam occulto evinco [/B] [SIZE="1"][COLOR="Red"][B]HighFly - 1 Lowell - 0 £5200 SD set aside + costs won HighFly -1 Wescott - 0 £4200 S. barred, removed from files[/B][/COLOR][/SIZE]

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Fabulous Sam, thanks.

 

Must have been a temp glitch with the site.

 

Loading up with armour as I type... ;)

 

28 hours and 50 minutes...tic toc tic toc......

 

You will wear that clock out:D

Have we helped you ...?         Please Donate button to the Consumer Action Group

Uploading documents to CAG ** Instructions **

Looking for a draft letter? Use the CAG Library

Dealing with Customer Service Departments? - read the CAG Guide first

1: Making a PPI claim ? - Q & A's and spreadsheets for single premium policy - HERE

2: Take back control of your finances - Debt Diaries

3: Feel Bullied by Creditors or Debt Collectors? Read Here

4: Staying Calm About Debt  Read Here

5: Forum rules - These have been updated - Please Read

BCOBS

1: How can BCOBS protect you from your Banks unfair treatment

2: Does your Bank play fair - You can force your Bank to play Fair with you

3: Banking Conduct of Business Regulations - The Hidden Rules

4: BCOBS and Unfair Treatment - Common Examples of Banks Behaving Badly

5: Fair Treatment for Credit Card Holders and Borrowers - COBS

Advice & opinions given by citizenb are personal, are not endorsed by Consumer Action Group or Bank Action Group, and are offered informally, without prejudice & without liability. Your decisions and actions are your own, and should you be in any doubt, you are advised to seek the opinion of a qualified professional.

PLEASE DO NOT ASK ME TO GIVE ADVICE BY PM - IF YOU PROVIDE A LINK TO YOUR THREAD THEN I WILL BE HAPPY TO OFFER ADVICE THERE:D

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Fabulous Sam, thanks.

 

Must have been a temp glitch with the site.

 

Loading up with armour as I type... ;)

 

28 hours and 50 minutes...tic toc tic toc......

 

 

:D:D:D

 

me thinks the court is open at 8.30 on friday,though if it was me I would do it at 4.01 thursday:-o

 

and post office at 9.00:p

 

SAM

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1130 am, Thursday 20th August.

 

The Postman has been, but no CCA or Cheque from Lowell.

 

Going to Court at 4.01pm this afternoon, without fail, to enforce the judgement.

 

Is that JC or AB at the beginning.......? :D

 

Stop ! Oh yes, wait a minute Mister Postman

 

Wait Mister Postman

 

Please Mister Postman, look and see

 

If there's a CCA or cheque for me

 

(Please, Please Mister Postman)

Why's it takin' such a long time

For me to hear from those lowlifes of mine

 

There must be some word today

From that DCA, so far away

Please Mister Postman, look and see

If there's a CCA or Cheque for me

 

I've been standin' here waitin' Mister Postman

For over two weeks

For just a Cheque or "sorry" letter

Sayin' what they did was so wrong to me

 

 

Mister Postman, look and see

If Andy B or Jimmy C loves me

Why's it takin' such a long time

For me to hear from those boys of mine

 

So many days you passed me by

See the expectation in my eyes

You didn't stop to make me feel better

By leavin' me a cheque or Hamptons letter

 

 

Mister Postman, look and see

If there's a CCA or Cheque for me

(Please, Please Mister Postman)

Why's it takin' such a long time

 

Why don't you check it and see one more time for me, you gotta

Wait a minute

Wait a minute

Wait a minute

Wait a minute

(Mister Postman)

Mister Postman, look and see

 

C'mon deliver their letter, the sooner the better (well, by 4pm this afternoon at the latest)

Mister Postman

  • Haha 1

[B]Nunquam redono spes Nunquam occulto evinco [/B] [SIZE="1"][COLOR="Red"][B]HighFly - 1 Lowell - 0 £5200 SD set aside + costs won HighFly -1 Wescott - 0 £4200 S. barred, removed from files[/B][/COLOR][/SIZE]

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Court office hours are 1000 - 1600, so closed on arrival. :|

 

Will be there for 1000 tomorrow, though the postscript to the OFT has been posted today.

[B]Nunquam redono spes Nunquam occulto evinco [/B] [SIZE="1"][COLOR="Red"][B]HighFly - 1 Lowell - 0 £5200 SD set aside + costs won HighFly -1 Wescott - 0 £4200 S. barred, removed from files[/B][/COLOR][/SIZE]

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Hmph

 

Still nothing arrived in the post.

 

I've been back to the C. Court to enquire what options I have to enforce the judgement, but left not much wiser.

 

First, it's apparently very rare for costs to be awarded in Set Asides :rolleyes:, and secondly, it's apparently now complicated because the Statutory Demand had one case number, and any action to enforce the judgement will need a civil case number.....? :confused:

 

I've come away somewhat deflated, with just forms EX321 "I have a judgement but the defendant hasn't paid"

http://www.hmcourts-service.gov.uk/news/forms/docs/ex321_0406.pdf

 

and Court Fees booklet EX50.

 

I've called Community Legal Advice, but I'm ineligible for their services. :evil:

 

Is there anyone knowledgeable on these matters who might be able to steer me in the right direction, please?

[B]Nunquam redono spes Nunquam occulto evinco [/B] [SIZE="1"][COLOR="Red"][B]HighFly - 1 Lowell - 0 £5200 SD set aside + costs won HighFly -1 Wescott - 0 £4200 S. barred, removed from files[/B][/COLOR][/SIZE]

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