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    • Thank you to you all, you guys are amazing!! Yes of course i will be making a donation, i am very grateful to you all. Keep up the good work
    • I'm not quite out of the woods yet. The email they sent me also said that I have £290 of arrears and it has been passed onto their collections department. If anything my account should be £10 in credit.  They haven't taken into account the trainers that were returned back in October. The other items have been credited to my account so it looks like I've still got work to do.  They are not very quick to reply to emails, although I've only sent one trying to find more information, and I have no idea what happens next. Half of me want's to get it sorted properly the other half just wants it over with, if that means a default then so be it. 
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    • is the side street solely for access to your garages? who owns the land and thus the road? dx  
    • A local business has been parking on an off-street parking space in front of my garages (in a side street).  I wasn't using them for a while so didnt bother to do anything.  But now a second local business is also using the osp - taking it in turns with the 1st biz.  This has started to nark me.    The employees choose to drive to work.  There is no private parking in their business's street.  But there are some underground secure garages in their street - which cost apx £2.4k/y to rent - which works out apx £6.60/d. (I believe one of the biz owners already rent one for storage purposes).  If the employee had to park on a meter it would cost them £6.60/h - £66 for 10h and have to move every 4h.  They just don't want to pay for parking. I haven't confronted either of them.  Instead I just put 2 clear "no parking" signs in front of the garages. And a note on one of the cars specifically saying that as they don't live or rent in the street and it's private land could they stop parking.   They ignored that.  And just put notes on their dash with a # to call if one needs the car moved.  There is a sign and they've been told in writing to stop parking. And they are just ignoring it.    I don't what a confrontation.    I don't want to go to the expense of bollards (other than maybe traffic plastic ones - but they'll probs just move them).  Council won't do zilch cos it's private land. And police won't get involved - unless I clamp/ tow the cars and then they'd be after me, not the drivers!    What's the best thing to do?
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Defaults, CCJ's and the 6 year rule?


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Hi,

 

I am in the process of looking to remove defaults and possibly one CCJ (from Bannatynes).

 

I understand the 6 year rule regarding Statute Barred etc.

 

What I would like to clarify is that "IF" I submit a SAR or CCA request does this mean I am acknowleging the debt and so resetting the clock on the 6 year rule ????

 

 

All of my debts are pre 2007

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Hi,

 

No, all you are doing is getting your data or any agreement. If you put at the top of your CCA request," I do not acknowledge any debt to you or any company you claim to represent" that will cover you.

The SAR, as I said is just a request for info, nothing more.

 

fox

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Hi,

 

I've recently found a letter from Lowell for an old debt from June 2002.

 

 

I am certain that the debt is statue barred and have a letter ready to send off to them tomorrow by recorded delivery.

 

 

How long do they normaly take to reply if at all?

 

 

Where do I stand if the debt is sold on or passed to another division of the group as I am aware Lowell has many different sub companys?

 

Is there something I can include in my letter in order to stop repeat letters coming from other DCA for the same statue barred debt?

 

I have included the PLEASE NOTE THIS LETTER IS IN NO WAY AN ACKNOWLEGEMENT OF THIS ALLEGED DEBT TO YOU OR ANY COMPANY YOU REPRESENT. I have also not signed the letter only printed.

 

Is there anything else I should include?

 

Many thanks.

 

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Hi,

The lowlifes will no doubt say "an attempted payment was made on XXXX".

 

Ignore this. Once you have told them it is SB, it is down to them to prove it isn't. They won't be able to based on your dates.

If they flog the debt on. complain to them and to the new DCA and the OFT/Trading Standards

If you are asked to deal with any matter via private message, PLEASE report it.

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Hi Silver Fox,

 

can I ssume then that Lowell will just keep pestering me for this debt but through there other sub companies? Is it possible that they can default me on this even though they are not the original creditor and it is over the6 year statute barred rule?

 

Is there not some form of action I can take under the CCA that once the debt is statute barred it can no longer be sold to other companies?

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It's possible either Red or Hamptons (Il)legal will have a go but I wouldn't bother getting into a letter ping pong with them. You will have stated your case, let them deal with it.

They will go away eventually.

 

Before a debt is sold, it must be defaulted and the account terminated so therefore, at some time in the previous 6 years, you must have been defaulted. You cannot be defaulted for the same debt twice. If they tried it, you could sue them for compensation. This will fall off your credit file (if it hasn't already) but I would get a copy of your file for the next few months.

 

Not much you can do to stop Lowells selling this debt on to anyone else as they don't tell each other whether a debt is SB or not. They just try to get it off their books. Like I said, you would have cause for complaint if anyone else came out of the woodwork.

If you are asked to deal with any matter via private message, PLEASE report it.

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as fox says they will try the "attempted payment crap "

 

followed by passed on to red and hamptons crap

 

as soon as that starts report to OFT and TS

 

although a letter to compliance complaining that they are attempting to collect on a debt that they have been advised is statute,usually stops them in their tracks.but will not stop a pass off to muck hall or similar outfit.

 

but why deny the OFT/TS the chance of another registered complaint against these cretins..and another warning slap:D

 

SAM

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  • 1 month later...

NO it isn't

 

It is a legal request for information as laid out in statute

 

Basically, I want to see every piece of information that your company holds on me, this could be from a bank, a doctor, the police, or even a former employer. it is not specific to credit or debt

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