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    • Hmm yes I see your point about proof of postage but nonetheless... "A Notice to Keeper can be served by ordinary post and the Protection of Freedoms Act requires that the Notice, to be valid,  must be delivered either (Where a notice to driver (parking ticket) has been served) Not earlier than 28 days after, nor more than 56 days after, the service of that notice to driver; or (Where no notice to driver has been served (e.g ANPR is used)) Not later than 14 days after the vehicle was parked A notice sent by post is to be presumed, unless the contrary is proved, to have been delivered on the second working day after the day on which it is posted; and for this purpose “working day” means any day other than a Saturday, Sunday or a public holiday in England and Wales." My question there is really what might constitute proof? Since you say the issue of delivery is a common one I suppose that no satisfactory answer has been established or you would probably have told me.
    • I would stand your ground and go for the interest. Even if the interest is not awarded you will get the judgement and the worst that might happen is that you won't get your claim fee.  However, it is almost inevitable that you will get the interest.  It is correct that it is at the discretion of the judge but the discretion is almost always exercised in favour of the claimant in these cases.  I think you should stand your ground and don't give even the slightest penny away Another judgement against them on this issue would be very bad for them and they would be really stupid to risk it but if they did, it would cost them far more than the interest they are trying to save which they will most likely have to pay anyway
    • Yep, true to form, they are happy to just save a couple of quid... They invariably lose in court, so to them, that's a win. 😅
    • Your concern regarding the 14 days delivery is a common one. Not been on the forum that long, but I don't think the following thought has ever been challenged. My view is that they should have proof of when it was posted, not when they "issued", or printed it. Of course, they would never show any proof of postage, unless it went to court. Private parking companies are simply after money, and will just keep sending ever more threatening letters to intimidate you into paying up. It's not been mentioned yet, but DO NOT APPEAL! You could inadvertently give up useful legal protection and they will refuse any appeal, because they're just after the cash...  
    • The sign says "Parking conditions apply 24/7". Mind you, that's after a huge wall of text. The whole thing is massively confusing.  Goodness knows what you're meant to do if you spend only a fiver in Iceland or you stay a few minutes over the hour there.
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New Lowell Case Help Needed


Bundz
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Unfortunately they are too small. can you use photobucket or attach them as pdf files (Adobe)

 

From what I can see though, it looks like an application form.

Can you confirm if there is

 

1 The APR

2 A payment schedule

3 A credit limit or a statement saying one will be set for you

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ccablack.pdf

 

There is a separate 12 page document with my name and reference at the top.

 

In answering your questions:

 

1. It starts with a summary of the apr chargeable to this agreement and then lists terms and conditions on use of the card.

 

2. Section 8 & 9 outline the repayments which need to be made

 

3. Section 4 advises a credit limit will be set by them and amended when appropriate

ccablack.pdf

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Irrespectively of how many extra sheets they send you with the terms and conditions on them, the "agreement" they have sent fails.

 

The key terms need to be within the 4 corners of the agreement and they surely aint.

 

Lowells will now swear black is white that the agreement they have sent is enforceable.

 

With the T's & C's. without posting the entire thing up, do they have dates on them?

What are the penalty charges?

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I have removed and re-entered, thanks for that

 

There are no dates or signatures on the terms and conditions, it has my name and reference on the top.

 

Charges are mentioned in section 12 'Other charges and default charges'

 

"you must pay to us the 'other charges' and 'default charges' referred to in the 'key information' (as varied from time to time)"

 

It doesnt have any specific figures

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Oh goodie :D NO relationship between the application and the terms so you can't even be sure the terms are from 2002. I suspect they are the same as the ones I got when I SAR'd Cap1.

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Re Egg 'debt'

 

Got a letter from Lowell, enclosing a letter from Egg which confirms that they have transferred the rights and the account to Lowell Portfolio

 

The letter from egg is odd because it obviously hasn't come from egg, both peices of paper have similar printed marks to suggest Lowell have produced both documents.

 

Check this post re lowell data matrix. Lowell should be reported to OFT.

http://www.consumeractiongroup.co.uk/forum/debt-collection-industry/176432-lowell-humpty-dumpty-7.html#post2470370

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Hi guys,

 

letter from Lowell today

 

Confirming that they are writing to me in error and will no longer contact me regarding the 'egg' debt.

 

They would like to apologise for any inconvenience caused and have removed all of there data on me.

 

Just need to sort out this capital one issue.

 

Thanks to everyone how looked at my post, i am in your debt.....oh no not again!!!

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Hi guys,

 

 

Thanks to everyone how looked at my post, i am in your debt.....oh no not again!!!

 

 

:D:D Funneee!

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  • 4 weeks later...

If the default on your credit file relates to the EGG debt then I would threaten them with legal action and demand compensation.

 

If it relates to the CAP1 debt then they will state they have a right to be marking your file.

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

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