Jump to content


  • Tweets

  • Posts

    • Yep, I read that and thought about trying to find out what the consideration and grace period is at Riverside but not sure I can. I know they say "You must tell us the specific consideration/grace period at a site if our compliance team or our agents ask what it is"  but I doubt they would disclose it to the public, maybe I should have asked in my CPR 31.14 letter? Yes, I think I can get rid of 5 minutes. I am also going to include a point about BPA CoP: 13.2 The reference to a consideration period in 13.1 shall not apply where a parking event takes place. I think that is Deception .... They giveth with one hand and taketh away with the other!
    • Six months of conflict have also taken a heavy economic toll.View the full article
    • the Town and Country [advertisments ] Regulations 2007 are not easy to understand. Most Council planing officials don't so it's good that you found one who knows. Although he may not have been right if the rogues have not been "controlling" in the car park for that long. The time only starts when the ANPR signs go up, not how long the area has been used as a car park.   Sadly I have checked Highview out and they have been there since at least 2014 . I have looked at the BPA Code of Practice version 8 which covers 2023 and that states Re Consideration and Grace Periods 13.3 Where a parking location is one where a limited period of parking is permitted, or where drivers contract to park for a defined period and pay for that service in advance (Pay & Display), this would be considered as a parking event and a Grace Period of at least 10 minutes must be added to the end of a parking event before you issue a PCN. It then goes on to explain a bit more further down 13.5 You must tell us the specific consideration/grace period at a site if our compliance team or our agents ask what it is. 13.6 Neither a consideration period or a grace period are periods of free parking and there is no requirement for you to offer an additional allowance on top of a consideration or grace period. _________________________________________________________________________________________________________________So you have  now only overstayed 5 minutes maximum since BPA quote a minimum of 10 minutes. And it may be that the Riverside does have a longer period perhaps because of the size of the car park? So it becomes even more incumbent on you to remember where the extra 5 minutes could be.  Were you travelling as a family with children or a disabled person where getting them in and out of the car would take longer. Was there difficulty finding a space, or having to queue to get out of the car park . Or anything else that could account for another 5 minutes  without having to claim the difference between the ANPR times and the actual times.
    • Regarding a driver, that HAS paid for parking but input an incorrect Vehicle Registration Number.   This is an easy mistake to make, especially if a driver has access to more than one vehicle. First of all, upon receiving an NTK/PCN it is important to check that the Notice fully complies with PoFA 2012 Schedule 4 before deciding how to respond of course. The general advice is NOT to appeal to the Private Parking Company as, for example, you may identify yourself as driver and in certain circumstances that could harm your defence at a later stage. However, after following a recent thread on this subject, I have come to the conclusion that, in the case of inputting an incorrect Vehicle Registration Number, which is covered by “de minimis” it may actually HARM your defence at a later stage if you have not appealed to the PPC at the first appeal stage and explained that you DID pay for parking and CAN provide proof of parking, it was just that an incorrect VRN was input in error. Now, we all know that the BPA Code of Practice are guidelines from one bunch of charlatans for another bunch of charlatans to follow, but my thoughts are that there could be problems in court if a judge decides that a motorist has not followed these guidelines and has not made an appeal at the first appeal stage, therefore attempting to resolve the situation before it reaches court. From BPA Code of Practice: Section 17:  Keying Errors B) Major Keying Errors Examples of a major keying error could include: • Motorist entered their spouse’s car registration • Motorist entered something completely unrelated to their registration • Motorist made multiple keying errors (beyond one character being entered incorrectly) • Motorist has only entered a small part of their VRM, for example the first three digits In these instances we would expect that such errors are dealt with appropriately at the first appeal stage, especially if it can be proven that the motorist has paid for the parking event or that the motorist attempted to enter their VRM or were a legitimate user of the car park (eg a hospital patient or a patron of a restaurant). It is appreciated that in issuing a PCN in these instances, the operator will have incurred charges including but not limited to the DVLA fee and other processing costs therefore we believe that it is reasonable to seek to recover some of these costs by making a modest charge to the motorist of no more than £20 for a 14-day period from when the keying error was identified before reverting to the charge amount at the point of appeal. Now, we know that the "modest charge" is unenforceable in law, however, it would be up to the individual if they wanted to pay and make the problem go away or in fact if they wanted to contest the issue in court. If the motorist DOES appeal to the PPC explaining the error and the PPC rejects the appeal and the appeal fails, the motorist can use that in his favour at court.   Defence: "I entered the wrong VRN by mistake Judge, I explained this and I also submitted proof of payment for the relevant parking period in my appeal but the PPC wouldn't accept that"   If the motorist DOES NOT appeal to the PPC in the first instance the judge may well use that as a reason to dismiss the case in the claimant's favour because they may decide that they had the opportunity to resolve the matter at a much earlier stage in the proceedings. It is my humble opinion that a motorist, having paid and having proof of payment but entering the wrong VRN, should make an appeal at the first appeal stage in order to prevent problems at a later stage. In this instance, I think there is nothing to be gained by concealing the identity of the driver, especially if at a later stage, perhaps in court, it is said: “I (the driver) entered the wrong VRN.” Whether you agree or not, it is up to the individual to decide …. but worth thinking about. Any feedback, especially if you can prove to the contrary, gratefully received.
    • Women-only co-working spaces are part of the new hybrid working landscape, but they divide opinion.View the full article
  • 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 & Cap1 debt - Reply Letter Urgent Help Needed


chimp123
style="text-align: center;">  

Thread Locked

because no one has posted on it for the last 5308 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

  • Replies 96
  • Created
  • Last Reply

Top Posters In This Topic

Top Posters In This Topic

as I said earlier if these parts formed the same document it would be considered enforceable, however I have suspicions that they are not. If you look at doc1 you can clearly see two dark lines across it showing where it has been folded & then photocopied, yet on the other there's only one line. :rolleyes:

Link to post
Share on other sites

Do u think I should send them some sort of letter?any ideas.thanks all,it does look dodgey and I have had no info with regards to the debt.just it cap 1 and I owe x amount of money.they sent another letter stating

To pay it or further action be taken?can any1 help?thanks

Link to post
Share on other sites

Can I request to see statements? What should I send Lowell? All I know about the debt is Its cap 1. They have sent nothing with regards to statements etc? The cca looks dodgey to, anyone got a letter I can send? Thanks all

Link to post
Share on other sites

Sorry to be a pain all, Lowell did not send me a statement with the cca agreement,does this help me as I am not paying for a debt that I have no proof of what its for just a figure? Also equidebt tried to take me to court for this date and I won the case two weeks ago. Has anyone got a letter I could send them? Just looking for one now. thanks

Link to post
Share on other sites

Hi,

It's a tough choice on this one.

Either accept that what they have sent you is genuine or call their bluff.

 

If you accept it is genuine, offer them token payments but this restarts the Statute Barred clock.

 

I am with Cerebrus with this in that I have suspicions that it is not the front and back of the same document but in the end it's your call as to whether you take it further.

 

If you haven't sent a SAR to Cap1, I would do so.

 

You could tell Lowells that you are having the document examined by your solicitor to buy time while the SAR comes through. There is no standard letter for this so just draft one up.

 

fox

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

Thanks for that, do you think its worth asking for statements of the debt from lowell and there agreement with cap 1 as well as sending the subject access request? Hmmmm dont want to start making payments with a year to go and I could do with seeing all the charges thanks for your help with this. Have you got a subject access request template at all? Surely I shouldnt offer payment without seeing there agreement with cap 1 and the statements of my account? thanks

Link to post
Share on other sites

Thanks for that, do you think its worth asking for statements of the debt from lowell and there agreement with cap 1 as well as sending the subject access request? Hmmmm dont want to start making payments with a year to go and I could do with seeing all the charges thanks for your help with this. Have you got a subject access request template at all? Surely I shouldnt offer payment without seeing there agreement with cap 1 and the statements of my account? thanks

 

Their agreement with Cap1 would be a confidential business secret so you wouldn't be able to see that.

The statement of debt is a Notice of Assignment which should have been sent to you before Lowells started chasing you.

 

Here is the link to a SAR request. You will need to adapt it to suit your needs.

 

http://www.consumerforums.com/resources/templates-library/86-debt-collectors/576-subject-access-request-debt-a-dca

 

It costs £10

They have 40 days from receipt to respond

Send it recorded so you know when they got it.

 

Were you ever defaulted or your account terminated?

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

Hi all

 

Lowell Financial have be hounding me with letter chasing a capital 1 debt for x amount of money. I sent them a cca request around 2 months which I received around 2 weeks ago. Please see attached, to see if you think it is enforceable? Since I have received the CCA they have sent me 3 letters within a week! The last one stating they will put a charge on my property, attachment of earning along with court costs and interest or they will send an agent round to negotiate settlement!!!! What's this all about? They haven't sent me any statements to prove the debt or anything. All they have done is sent me a letter stating you owe x amount of money and my signed CCA which looks dodgey to be honest. Can anyone help, with drafting something up to send them today. Please help and thanks all!

Link to post
Share on other sites

Get a statement of account out of them and see what unlawful charges have been added on. Then claim them all back with an interest rate on top.

 

Lowell = **** of the earth

 

Sploits :p

<----------- If I have helped in any way please click on my scales :p

Link to post
Share on other sites

Why are the signatures out of line and why does your signature look like it has been photoshopped on it. Look at the top line of the box. Where the signature is it looks like its missing. That wouldnt happen on a hand written CCA would it?

<----------- If I have helped in any way please click on my scales :p

Link to post
Share on other sites

I had a problem with TBI financial and i basically just asked for the statement of account. This will be your account activity and should show what has been spent on the card, what you have paid on the card and what charges have ben added.

 

Will have a look through my paperwork and see if i can find my letter. Also if anybody else has some correct wording for requiring the ststement of account from Low Lifes..............

<----------- If I have helped in any way please click on my scales :p

Link to post
Share on other sites

Ok Cant find the original letter but i have found the reply that i used when i found out there were unlawful charges on the account:

 

I DO NOT ACKNOWLEDGE ANY DEBT TO YOUR COMPANY

 

I have looked over the breakdown of account that you sent to me and I have noticed numerous charges on the account which are unlawful to common law. I have attached a breakdown of the unlawful charges in which I am claiming with this letter.

I hope that you will enter into a sincere dialogue with me about this matter and I am writing this letter to you on the assumption that you will prefer to do this than merely respond with standard letters and leaflets. I will give you 14 days to reply to me accepting, unconditionally, my request in principle and letting me know a date by which I will receive payment.

 

We look forward to your reply.

 

Yours faithfully

(Print Name Don't Sign)

 

Hope this helps

 

Sploits :p

<----------- If I have helped in any way please click on my scales :p

Link to post
Share on other sites

hi there, hope somebody can help me please!!!

I've received a letter this morning but it was sent to my son and daughter's address, i'm not even registered as living there, this is their house, they rent it not me.

it was lowells saying they bought my debt from littlewoods and demanding payment. I haven't got a job at the moment and i have been unemployed since october with no joy in finding one as yet.

I haven't rung them or wrote to them yet, but last thing i want is somebody to turn up at their door step asking for me or demanding money. They have part time jobs and have been helping me keep the head above water in this difficult times. Is sad but thats life. I dont know where they got this address from but i can only assume my old landlord, as my kids rented this house from the same landlord.

What shall i do? write to them and say i dont live at this address? ask for a CCA letter? Please help, i'm in a mess but don't want to put all this burden on my kids sholders...

Edited by in-a-mess
Link to post
Share on other sites

  • Recently Browsing   0 Caggers

    • No registered users viewing this page.

  • Have we helped you ...?


×
×
  • Create New...