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    • well lets hope they get serious about compo too..
    • its not usual with but covid changes.. typically what the court has done since covid is say hey you two, get together, exchange WS's by xx date, see if you can narrow issues is the real reason, the court hopes one or the other gives in. less hassle    if you don't they usually have stated a date a few weeks later whereby the claimants solicitors forwards both WS's to the court. in your case the court appears to have requested to poke their nose in earlier than usual which is of no use to them, as the judge wont see them till the hearing anyway...so   although not regarding PNC cases, bar one i think, what we see here is the claimants solicitor ignore the earlier date and simply file theres by the last due date without earlier involving the defendant at all. what i will guess because BCD(L) is rather new to the game, they've not yet found out they can all but ignore the earlier date.   this has ofcourse give you a huge advantage.
    • the po is for the CCA which you don't need to repeat and anyway that goes to the claimant and nothing to do with the pap reply to their solicitor that sent the pap   
    • Hi dx, yes I used the PAP at post 2 and used the sentence recommended but it then tells you to go to box I to complete.   The post on the link then says ask for x, y, z and attach a PO. Or have I missed a trick? I've not sent the pack off for her yet anyway so can redo.
    • Topic merged....please keep to one thread per issue.   Andy
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    • Hi @BankFodder
      Sorry for only updating you now, but after your guidance with submitting the claim it was pretty straight forward and I didn't want to unnecessarily waste your time. Especially with this guide you wrote here, so many thanks for that
      So I issued the claim on day 15 and they requested more time to respond.
      They took until the last day to respond and denied the claim, unsurprisingly saying my contract was with Packlink and not with them.
       
      I opted for mediation, and it played out very similarly to other people's experiences.
       
      In the first call I outlined my case, and I referred to the Contracts (Rights of Third Parties) Act 1999 as the reason to why I do in fact have a contract with them. 
       
      In the second call the mediator came back with an offer of the full amount of the phone and postage £146.93, but not the court costs. I said I was not willing to accept this and the mediator came across as a bit irritated that I would not accept this and said I should be flexible. I insisted that the law was on my side and I was willing to take them to court. The mediator went back to Hermes with what I said.
       
      In the third call the mediator said that they would offer the full amount. However, he said that Hermes still thought that I should have taken the case against Packlink instead, and that they would try to recover the court costs themselves from Packlink.
       
      To be fair to them, if Packlink wasn't based in Spain I would've made the claim against them instead. But since they are overseas and the law lets me take action against Hermes directly, it's the best way of trying to recover the money.
       
      So this is a great win. Thank you so much for your help and all of the resources available on this site. It has helped me so much especially as someone who does not know anything about making money claims.
       
      Many thanks, stay safe and have a good Christmas!
       
       
        • Thanks
    • Hermes and mediation hints. https://www.consumeractiongroup.co.uk/topic/428981-hermes-and-mediation-hints/&do=findComment&comment=5080003
      • 1 reply
    • Natwest Bank Transfer Fraud Call HMRC Please help. https://www.consumeractiongroup.co.uk/topic/428951-natwest-bank-transfer-fraud-call-hmrc-please-help/&do=findComment&comment=5079786
      • 31 replies
    • Hermes lost parcel.. Read more at https://www.consumeractiongroup.co.uk/topic/422615-hermes-lost-parcel/
      • 49 replies

Lowell and Global Debt dilema


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am thicklack of sleep makes my fingers type what they want

changed it to what i was trying to say.

 

have sent pm about the other:p

 

SAM

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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:

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Another quick update and another response to CCA request, Global wrote to me saying they have referred by enquiry to thier thier client and await thier respose. (Get this bit though) "Meanwhile we have suspended collection activity".woo hoo Lets see how it goes from here.

 

Thanks for all your help Sam!

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ignore the first,standard crap,that would not happen anyway.

 

get ready to send in dispute when the 12+2 are up:)unless they come up with anything:rolleyes:

 

SAM

 

I have just printed off my CCA default letter for Lowell, they signed for the request on 05/09/09. ( i would also like to complain that they never advised me this account and the payments they received on it had been passed to them from Global).Should i do this before the default?

 

I also want to advise Global debt that this account is in Default and complain to them for :-

1.passing on the account without notifying me.

2.Passing on the account whilst i was still paying on it.

3. Passing on payments to Lowell that had been made to Global with out my knowledge ( to enable Lowell to say that i had made payments to them).

4. Also failing to send on further payments made to them, after they passed the account over.

 

I am not to sure if i will drop myself in deep doo doo by making a complaint to Global for an account that will now be in default through Lowell?

Any help would be much appreciated.

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I have just printed off my CCA default letter for Lowell, they signed for the request on 05/09/09. ( i would also like to complain that they never advised me this account and the payments they received on it had been passed to them from Global).Should i do this before the default?

 

I also want to advise Global debt that this account is in Default and complain to them for :-

1.passing on the account without notifying me.

2.Passing on the account whilst i was still paying on it.

3. Passing on payments to Lowell that had been made to Global with out my knowledge ( to enable Lowell to say that i had made payments to them).

4. Also failing to send on further payments made to them, after they passed the account over.

 

I am not to sure if i will drop myself in deep doo doo by making a complaint to Global for an account that will now be in default through Lowell?

Any help would be much appreciated.[/quo

 

Any advice out there please? I'm not sure if i should complain to the DCA's involved for the way yhey have dealt with this account or just send the dispute letter? If so which should i send first?

Thanks for help you can give.

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Hi Sam614,

Lowells are in dispute as they signed for my CCA request on 05/09/09 would you mind having a quick look over my last post? do you think i should just send the dispute letter or complain at the same time? I have also been advise by National debt to request a deed of assignment from Lowell, have you any idea what this is?

Many thanks

Blue Boo

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More info rec'd

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hi. have answered your pm:)

 

SAM

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:

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your letter is done....in PM:p

 

in regard to the offer of a donation to cag.

if that is what you want to do,and can without leaving your self short.

thank you from me:)have been happy to help and continue to.

and yes any donation to cag is welcome,however small.

 

SAM

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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:

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your letter is done....in PM:p

 

in regard to the offer of a donation to cag.

if that is what you want to do,and can without leaving your self short.

thank you from me:)have been happy to help and continue to.

and yes any donation to cag is welcome,however small.

 

SAM

 

Hi Sam,

Thank you soooo much the letter is fantastic, says it all, I'll get it copied and sent as soon as.your help in this is really appreciated. Clicking your scales!

Cheers Blue:grin:

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I've recently dicovered that lowell have been checking my credit report even though i have never been advised by them or any other DCA that they were taking on my account. This query account with them is now in dispute as they have not provided any proof or CCA etc. Surely they would need my consent to access my report? would'nt they?

 

I'm finding this pretty difficult to get my head around so much information at the moment on 3 different accounts, each step i make i seem to find another problem. So any help would be greatfully received.

 

Cheers Blue:???:

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got back to you in pm.

 

SAM

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:

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Got another letter from Lowell today it reads:-

 

Following your recent request to be provided with a copy of the original credit agreement in respect of the CCA I can confirm our client has yet to furnish us with your agreement.

I can confirm however Creation Finanial Services Ltd are still in the process of retrieving the required paperwork and once this has been forwarded onto us a copy will be posted to you.

There will be no further correspondence from us until the agreement has been received at which point we will require payment in full.

 

I could'nt pay in full which is why global originally had token payments I sent the CCA to Lowell because global debt passed the account and payments on without telling me.Should i now send a SAR to Creation Financial to see exadtly what they do have?

Any advice welcomed?

 

Blue

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This is the first auto letter of four that you will receive from Lowells before you get the "good bye" letter.

 

They dont have anything approximating to a CCA.

 

The next letter will offer you a huge discount if paid by xx/xx/xx- IGNORE

 

The one after that will offe you an even bigger discount Ignore

 

The next letter will say that after laising with Global, due to the length of time since the account was opened they are unable to supply you with a copy of your CCA and that they have closed your file.

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Sam- why all the secrecy with advice being given by PM?

 

CAG works because info and advice is shared with all.

We truly appreciate all the hard work of all the caggers put in helping each other, but we do discourage advice by PM.

 

this is because the advice can be scrutinised by all (no-one is perfect) and its good for everyone to see the advice, it then helps everybody and not just the one with the PM.

 

 

HSBC WON three times!!!!! Read about my continuing battle (claim FOUR!) Link HERE

Capital One WON Link

HERE

GE capital (5 accounts) WON link HERE

Lloyds bank account WON second claim starting! link HERE

Budget insurance cough up WON link HERE

Principles WON link HERE

A&L (Mrs Crusher's account) claim link HERE

Barclays claim link HERE

 

Any advice given is on an informal basis only and without prejudice or liability. In in any doubt, consult a qualified lawyer.

IF YOU HAVE GOT YOUR MONEY BACK, PUT SOME BACK INTO THE SITE TO HELP KEEP IT OPEN!

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Hi and thank you for your advice Noomill060 thats put my mind at rest a bit. Sam has been helping me with a complaint letter which had quite a lot of specific info in it. i think this is most probably the reason alot of it has been by PM.

It has been a big help and i am really greatful to CAG

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Sam- why all the secrecy with advice being given by PM?

not advice.it is personal info,to include in complaint letters.and general chit chat .nothing to do with lowell.

CAG works because info and advice is shared with all.

agree.but if i have helped with a personal letter of complaint about treatment .

 

 

op will not want personal feelings/treatment/etc put on over forum.

 

I do not want lowell trolls to see that it has not come from op,

 

I put any advice i can on the forum.but cant be expected to breach a confidence about personal issues.

 

and if i am asked in pm to help.what should i do say NO.

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:

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Blue Boo.

 

hope this works out for you:)

 

SAM

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:

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Many Thanks for all your help Sam,

Complaint was received by global today, I'm looking forward to seeing what they come back with. I have also found a previous complaint letter they received from me on 24/03/09 which refers to the bulliying tactics used to make me increase my payments refers to court threats, harrasment and blackmail by one employee who i named in the letter. He stated if i did not pay at least £10.00 per month or they would see me to court. I was told i had an attitude problem and they would do everything in thir power to make me pay more than the token payments. It was this action that made me increase the payments to them and complain back then. I also told the compliance manager about my disability and that i had intended to complain in May 2008 but a series of personal events ( hospitalised after a car accident and loss of a family member) and ill health prevented me from doing so.

I wish i had found all this before i sent the latest complaint.:mad:

Should i wait for a response from Global's compliance manager or should i just send copies of these letters to OFT?

 

Many thanks for any help

BB

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hi.:)

 

I would give them the chance to respond to the letter first.

let them give you the answers we asked for,a explanation of your treatment etc /and the private details we included need answers.

also.

why they sold it to lowell when you were paying.

 

why they then stopped forwarding the payments on,and kept them their selves.

causing more stress,when lowell started on the why have you stopped paying threats.

 

and main answer being..what they intend to do now it has been returned to them.

 

SAM

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:

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I suppose at least then it will have gone through thier complaints proceedure first.

Many thanks

Keep up with the quitting smoking i admire your will power!:cool:

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well here i am agian, i'm unsure as to wether this is good news or bad :confused:

A letter from Global this morning referring to one of my accounts states

 

"Our client has completed a review of the above and instructed us to close our file. If you have any further enquiries you should send your correspondence direct to FV_1 INC".

 

Should i now send the CCA request or dispute letter again, this time directly to FV1 so that they can't pass the account out again, or are the covered under the 1st lot i sent to global?

Or another option, should i send a SAR to FV1 to see if they actually have my CCA?

 

any advice would be welcomed! i have the feeling that they will be passing this on to another DCA pretty soon.

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wooo hooo Blue Boo 1 - global debt big fat 0 :pla di lalalala

Thank yoou so much for that, do you think that FV-1 INC will pass this on or are they covered under the account in dispute letter sent to global?

I can't believe it,that was the largest account i had.

Thank you again noomill

A not so Blue Boo:D

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Ok, just an update here and the plot thickens, The 2nd account i had with Global was being paid every month for years. then out of the blue comes a letter from Lowell chasin for the same account and stateing that i had made payments to them and stopped. This was not the case so Sam 614 wrote a fantastic complaint letter for me to adapt a send to Global ( as we all suspected they had passed the account on and the payments) well today i got a reply to my complaint from Global. It states that Creation finance appointed them to collect on this account that they are nothing to do with the Lowell group and never have been, they have not passed this account to them nor my details and they can assure me that all payments made to them were sent to creation finance?????:confused:

So now i am really confused. Lowells initial letter quotes creation finance but creation finance already have global paying them for this account?

Should i send the complaint letter to Creation Finance and a copy to Lowell? or what would be the best step to take? Global have sent a form on how to complain to FOS which i will be doing!

 

Any advice is welcomed:)

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Any advice on the last post please? any options i may have? What can i do about this?

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