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    • Dear All,   So Sorry we have been extremely busy with my work and family emergencies as my outlaws, who are in their mid and late eighties are very ill and they needed medical attention at hospitals.    Andy - Case plan is simply a sheet issued by the court to confirm who will be attending for the both parties and at what time the people will each arrive -  apparently, attendies from either side may no arrive together at the court due to Covid.   BN - The Court has not confirmed the discontinuance. A Judge at the Court has to agree to the Discontinuance but that has not yet taken place. We have 28 days to submit a stay to this notice.    FTMDave – I have always followed CAG advice since the first day I spotted the site and joined. CAG has helped me on numerous occasions. My wife did not want to drop the Counter Claim so it was essential I support her and try and talk her out of it gently.   The PCN should never have been issued in the first place because my wife’s parking area is on a private piece of land. A company leased that area of land (Call it Area A) from the main owner. The buildings in Area A are sub-let out to various tenants with Parking facilities; of which, the company my wife worked for is one such tenant.    To reach Area A, my wife has to drive through the main car park (Area B) of the main owner.   It is only Area B which Claimants are authorised to police. Area A is NOT under their jurisdiction so they cannot police there. This is still the case to this day and more specifically, this is something which the Claimant is fully aware. There is an agreement between the lessors of Area A and the main owner of Area B and it is written in this agreement. This, the  owner of Area B would instruct the Claimant,  not to police Area A.   After the Claimant issued the PCN to my wife, the solicitors of the Lessors of Area A, issued a cease and desist order to them and notified the solicitors of the owner of Area B wherein they stated clearly that this act was illegal and in breach of the terms of the lease. So, all the Claimant had to do was to cancel the PCN. We have a copy of this letter and so we can substantiate it.   BN + FTMDave – So, there you have it. This is the explanation you wanted. They were told to stop the case and drop it.     But instead, the Claimant pursued the PCN relentlessly even after my wife pleaded with them to stop the matter and cancel the PCN and explained the situation with copies of the cease and desist  letter.    We are following CAG’s advice and to do that properly, we need to notify the Court  where: a.       We will apply to the court to have the Notice of Discontinuance set aside. b.       We will also apply to the court to add an additional case against the Claimants for obtaining data on my wife falsely. c.       We will also apply to the Court to add an additional Defendant to our counter claim – that being the bosses of the Claimant – the owner of Area B   After submission of these applications, along the lines suggested by CAG, we will negotiate a settlement with the Claimants   Any further advice from CAG on (b) and (c) above will be very helpful and very welcome.   Thank you BF    
    • scan up the agreement to PDF  read upload carefully please   easy peasy if you have that   dx  
    • Understood. Maybe as a first step it would be a good idea to write to Amazon and tell them that I would have selected the prepaid hermes drop-off option, like I always do, but I wasn't able to as that option wasn't available for the laptop. Additionally, after Hermes not collecting the item on two consecutive times with the Hermes home pick-up option, I was advised by a customer service assistant to organize the return myself as there is no point in choosing the home pick-up service for the third time. Following his advice and returning the laptop myself being the only available option to send it back to Amazon, I have decided to organize the return myself. I was told that I can use any of the shipping services. To quote I was told: "I could only find the pickup option. So you could arrange your own return using parcel monkey: www.parcelmonkey.com or any similar service. Keep the receipt and send it to: ...url... And we will refund you the postage fees". I didn't get any other instructions and I did what I was told by the assistant to the letter.  What else should I add? Should I mention anything else?   I understand that. I am not afraid of that, I do think that nothing protects them from having to compensate a consumer where they have failed to take reasonable care in performing the contracted service. They have a general duty of care, and they have also failed to provide the service paid for. I really hope that the judge sees it that way too. But maybe Amazon realize the mistake they made and I won't have to sue Hermes. To be honest I think it is disgusting what they do... There is no way to lose a package of 70X40X15. It is way too big. And what are the chances that they lose another package of mine that I send with the laptop at the same time? Obviously someone stole them. What else could have happened? How can they not find the driver who was responsible for the package at the time of moving it from the ParcelShop to the sorting warehouse? And if something happened to the car/driver, it must be logged somewhere. And I would like to see that log (I actually asked them to provide that in my last letter). The whole thing is just unbeliavable.
    • if other details match and this is as a result of say a marriage then yes. CCJ's are not against an address.    
    • Thanks DX and BN.   He did keep saying he’s done loads of parking cases in the past, over the 10 years he’d been doing it, so as you say he’s bound to have come across VCS stuff before isn’t he.   hopefully that’s the case then he just wants to go through it in a bit more detail. Either way you have given me a lot more confidence again now thanks.
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    • I came across this discussion recently and just wanted to give my experience of A Shade Greener that may help others regarding their boiler finance agreement.
       
      We had a 10yr  finance contract for a boiler fitted July 2015.
       
      After a summer of discontent with ASG I discovered that if you have paid HALF the agreement or more you can legally return the boiler to them at no cost to yourself. I've just returned mine the feeling is liberating.
       
      It all started mid summer during lockdown when they refused to service our boiler because we didn't have a loft ladder or flooring installed despite the fact AS installed the boiler. and had previosuly serviced it without issue for 4yrs. After consulting with an independent installer I was informed that if this was the case then ASG had breached building regulations,  this was duly reported to Gas Safe to investigate and even then ASG refused to accept blame and repeatedly said it was my problem. Anyway Gas Safe found them in breach of building regs and a compromise was reached.
       
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      The boiler was removed and replaced by a reputable installer,  and the old boiler was returned to ASG thus ending our contract with them. What's mad is I saved in excess of £1000 in the long run and got a new boiler with a brand new 12yr warranty. 
       
      You only have to look at TrustPilot to get an idea of what this company is like.
       
        • Thanks
      • 3 replies
    • Dazza a few months ago I discovered a good friend of mine who had ten debts with cards and catalogues which he was slavishly paying off at detriment to his own family quality of life, and I mean hardship, not just absence of second holidays or flat screen TV's.
       
      I wrote to all his creditors asking for supporting documents and not one could provide any material that would allow them to enforce the debt.
       
      As a result he stopped paying and they have been unable to do anything, one even admitted it was unenforceable.
       
      If circumstances have got to the point where you are finding it unmanageable you must ask yourself why you feel the need to pay.  I guarantee you that these companies have built bad debt into their business model and no one over there is losing any sleep over your debt to them!  They will see you as a victim and cash cow and they will be reluctant to discuss final offers, only ways to keep you paying with threats of court action or seizing your assets if you have any.
       
      They are not your friends and you owe them no loyalty or moral duty, that must remain only for yourself and your family.
       
      If it was me I would send them all a CCA request.   I would bet that not one will provide the correct response and you can quite legally stop paying them until such time as they do provide a response.   Even when they do you should check back here as they mostly send dodgy photo copies or generic rubbish that has no connection with your supposed debt.
       
      The money you are paying them should, as far as you are able, be put to a savings account for yourself and as a means of paying of one of these fleecers should they ever manage to get to to the point of a successful court judgement.  After six years they will not be able to start court action and that money will then become yours.
       
      They will of course pursue you for the funds and pass your file around various departments of their business and out to third parties.
       
      Your response is that you should treat it as a hobby.  I have numerous files of correspondence each faithfully organised showing the various letters from different DCA;s , solicitors etc with a mix of threats, inducements and offers.   It is like my stamp collection and I show it to anyone who is interested!
        • Thanks
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SD received from Lowells on 'dodgy' sold welcome finance loan[s]


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Oh well not heard nothing from welcome since i wrote to them asking if the load agreement would be written off

and a new one put together.

 

I have not heard any thing from them.

 

But to my surprise this morning i have received a letter from Incasso LLP

requesting the full out standing balance of £20606:44.

 

When i only borrowed £16000:00,

 

in just over 12 months of non payment due to the crappy ppi they sold me not covering me.

it has gone up by almost 4 grand plus what ever charges they have added to the account.

 

Are welcome allowed to do this ?

 

Any help would be grateful please

 

Thanks in Advance

 

Miky-j

:whoo:Stock Car Racing Is Not A Hobby. Stock Car Racing Is A Way Of Life:whoo:

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In which case you should write back stating that the debt is disputed due to missold PPI, and you are still awaiting a response. You should also query the fact that the tainted agreement amount has mysteriously increased by nearly £5,000 and ask them to give a full breakdown of how they arrive at this figure.

PLEASE NOTE - I am not a legal expert, what is stated is my own opinion and from what I have learnt from this forum and my own experiences.

 

DEBT COLLECTION LETTER/SAR/AGREEMENT TEMPLATES ARE HERE - http://www.consumeractiongroup.co.uk/forum/content.php?65-legislation

 

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I AM HAPPY TO RECEIVE PM's AND I WILL RESPOND IF I FEEL I CAN ASSIST BUT WHEN YOU DO CAN YOU PLEASE PROVIDE A LINK TO YOUR THREAD ON WHICH YOU WOULD LIKE ME TO COMMENT - THANK YOU

 

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OK thanks for the advice will do that now and get it in the post first thing tomorrow recorded delivery of corse.

:whoo:Stock Car Racing Is Not A Hobby. Stock Car Racing Is A Way Of Life:whoo:

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Dont mean to sound tick but do i send welcome a letter asking for the breakdown and how the amount owed has rocketed up or to the debt collector ??

 

Many thanks

 

Miky-j

:whoo:Stock Car Racing Is Not A Hobby. Stock Car Racing Is A Way Of Life:whoo:

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Send it to Incasso.....you can also quote them this too from the OFT's guidelines on debt collection...

 

h. ignoring and/or disregarding claims that debts have been settled or are

disputed and continuing to make unjustified demands for payment

PLEASE NOTE - I am not a legal expert, what is stated is my own opinion and from what I have learnt from this forum and my own experiences.

 

DEBT COLLECTION LETTER/SAR/AGREEMENT TEMPLATES ARE HERE - http://www.consumeractiongroup.co.uk/forum/content.php?65-legislation

 

IF WE HAVE BEEN HELPFUL -PLEASE, PLEASE, PLEASE GIVE A DONATION TO HELP US TO CONTINUE HELPING YOU

 

I AM HAPPY TO RECEIVE PM's AND I WILL RESPOND IF I FEEL I CAN ASSIST BUT WHEN YOU DO CAN YOU PLEASE PROVIDE A LINK TO YOUR THREAD ON WHICH YOU WOULD LIKE ME TO COMMENT - THANK YOU

 

IMPORTANT - If you are sent a private message directing you for advice or support with your issues to another website,this is your choice.

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  • 3 weeks later...

Had a response from Incasso, saying.

 

Further to our recent communication regarding the above matter,

please find enclosed a copy of agreement relating to our clients debt as requested.

 

We trust this resolves the matter and we look forward to receiving your payment by .

 

In my letter to them i never asked for my agreement

i asked for a break down to explain where the extra had come from i also told them the account

was in dispute due to the miss selling of the PPI.

 

I also mentioned the OFT's guide lines 2.6 H as 42man said.

 

welcome don seem to want to know when i ask about getting the agreement re-written once the PPi is removed

:whoo:Stock Car Racing Is Not A Hobby. Stock Car Racing Is A Way Of Life:whoo:

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  • 3 months later...

Hello Guys

I am new here, did not know where to turn and found this site. I took a loan out with Welcom a few years ago to finance a car for circ £4600

when I had paid in region of£2500 back, a further loan was added to this for £5000.00. with security taken on my house. When I was made redundant I run into difficulties and could not keep up and so missed several payments. After a few months they wrote me and offered a settlement figure of £6000.00 which I accepted and called their offices to confirm this and waited to hear from them again but 3/4 mths later I got contacted by Raven Recoveries who said they had bought the debt and that I was to pay them £23,485.00 immediately in full or they could start repossession proceeding, however, I could pay this back on installments etc. I have had so many calls and everytime I have explained about the offer for settlement from welcome and they said this is no longer valid and not welcomes debt anymore, the other day I recieved a letter from welcome confirming that Raven now own this debt and is now the amount above. I contacted Raven and have asked for a breakdown as to how they justify the amount, they have refused to send me a breakdown. Is this legal? Can they do this?

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Hello 68proline can you start a new thread rather than tagging on the end of somebody else's ?

PLEASE NOTE - I am not a legal expert, what is stated is my own opinion and from what I have learnt from this forum and my own experiences.

 

DEBT COLLECTION LETTER/SAR/AGREEMENT TEMPLATES ARE HERE - http://www.consumeractiongroup.co.uk/forum/content.php?65-legislation

 

IF WE HAVE BEEN HELPFUL -PLEASE, PLEASE, PLEASE GIVE A DONATION TO HELP US TO CONTINUE HELPING YOU

 

I AM HAPPY TO RECEIVE PM's AND I WILL RESPOND IF I FEEL I CAN ASSIST BUT WHEN YOU DO CAN YOU PLEASE PROVIDE A LINK TO YOUR THREAD ON WHICH YOU WOULD LIKE ME TO COMMENT - THANK YOU

 

IMPORTANT - If you are sent a private message directing you for advice or support with your issues to another website,this is your choice.

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Hello 68proline can you start a new thread rather than tagging on the end of somebody else's ?

 

Very sorry. I'm trying to find where to start a new thread button, where is it?

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Click here - http://www.consumeractiongroup.co.uk/forum/forumdisplay.php?167-Debt-Collection-Industry scroll down about a page and about 2 inches in from the left hand border is a blue rectangualr button which says - POST NEW THREAD.

PLEASE NOTE - I am not a legal expert, what is stated is my own opinion and from what I have learnt from this forum and my own experiences.

 

DEBT COLLECTION LETTER/SAR/AGREEMENT TEMPLATES ARE HERE - http://www.consumeractiongroup.co.uk/forum/content.php?65-legislation

 

IF WE HAVE BEEN HELPFUL -PLEASE, PLEASE, PLEASE GIVE A DONATION TO HELP US TO CONTINUE HELPING YOU

 

I AM HAPPY TO RECEIVE PM's AND I WILL RESPOND IF I FEEL I CAN ASSIST BUT WHEN YOU DO CAN YOU PLEASE PROVIDE A LINK TO YOUR THREAD ON WHICH YOU WOULD LIKE ME TO COMMENT - THANK YOU

 

IMPORTANT - If you are sent a private message directing you for advice or support with your issues to another website,this is your choice.

Before you decide,consider the users here who have already offered help and support.

Private message facilities are offered for users to communicate issues that are/or could be seen to be inappropriate for posting on the main forum.Site rules explain this in more detail.

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  • 7 months later...

Just a quick update, Still not heard anything back form either welcome or there debt collection agency regarding this. Apart from the statements of account and not to my surprise the amount is still rising

:whoo:Stock Car Racing Is Not A Hobby. Stock Car Racing Is A Way Of Life:whoo:

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  • 7 months later...

HI all,

 

out of the blue today i have received a letter from welcome stating that they have sold the debt on to lowell portfolio ltd.

 

i thought it was my understanding that the debt could not be sold on due to the account being in dispute.

as my self and welcome have not reached a agreement with regards to the ppi.

 

Welcome did make me an offer but when i asked if there would be a new credit agreement written up it was ignored.

 

I also find it strange as the loan is secured against my property

so why would they claim they have sold the debt on.

 

Any help would be grateful

 

Many Thanks

 

Miky-J

:whoo:Stock Car Racing Is Not A Hobby. Stock Car Racing Is A Way Of Life:whoo:

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In which case you should write a letter to Lowells (recorded) stating that the dispute was firmly raised (xx months ago) and that the issues have not been resolved.

PLEASE NOTE - I am not a legal expert, what is stated is my own opinion and from what I have learnt from this forum and my own experiences.

 

DEBT COLLECTION LETTER/SAR/AGREEMENT TEMPLATES ARE HERE - http://www.consumeractiongroup.co.uk/forum/content.php?65-legislation

 

IF WE HAVE BEEN HELPFUL -PLEASE, PLEASE, PLEASE GIVE A DONATION TO HELP US TO CONTINUE HELPING YOU

 

I AM HAPPY TO RECEIVE PM's AND I WILL RESPOND IF I FEEL I CAN ASSIST BUT WHEN YOU DO CAN YOU PLEASE PROVIDE A LINK TO YOUR THREAD ON WHICH YOU WOULD LIKE ME TO COMMENT - THANK YOU

 

IMPORTANT - If you are sent a private message directing you for advice or support with your issues to another website,this is your choice.

Before you decide,consider the users here who have already offered help and support.

Private message facilities are offered for users to communicate issues that are/or could be seen to be inappropriate for posting on the main forum.Site rules explain this in more detail.

If you are approached by private message with a view to asking you to visit another website,please inform the site team via the report icon.

 

Forum rules - http://www.consumeractiongroup.co.uk/forum/forum-rules-please-read/9-forum-rules-please-read.html

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  • 1 month later...

Have now received a letter from Lowell stating they have searched my credit file

an found i am a home owner and that they will apply for a charge order at securer it against my property.

 

How can they do this when the original loan was a secured loan against my property.

:whoo:Stock Car Racing Is Not A Hobby. Stock Car Racing Is A Way Of Life:whoo:

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  • 5 months later...

HELP. have to day received a letter from BWlegal, presenting a statutory demand for this loan, I thought they were not allowed to sell the debt on if it was in dispute

:whoo:Stock Car Racing Is Not A Hobby. Stock Car Racing Is A Way Of Life:whoo:

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Firstly you must send an email to BWLegal stating the following

 

Dear Sir / Madam

 

I am in receipt of your statutory demand which came into my possession on (XXXXXX)

 

I am absolutely staggered to receive this demand as it has been in serious dispute since (xxxx) It seems evident that no history has been passed on to yourselves or Lowells which is in clear breach of the OFT's guidelines on debt collection, and a clear breach of the Consumer Protection From Unfair Trading Regulations 2008.

 

Section 3.7 of the OFT's guidelines make it quite clear

 

f.failing to ensure that an accurate and adequate history of the

debt is passed between parties, as appropriate and necessary

 

Although I will not litigate via email I will make it completely clear to you that I will be setting this aside at my local court, and for the record when the issue of costs arises, I will be producing this documentation and previous documentation from the last 4 years.

 

If I do not hear from your company stating that you will NOT be progressing this demand IN WRITING WITHIN 7 DAYS then I will apply to set this aside at my nearest court.

 

I trust this makes my position completely clear

 

Yours faithfully

PLEASE NOTE - I am not a legal expert, what is stated is my own opinion and from what I have learnt from this forum and my own experiences.

 

DEBT COLLECTION LETTER/SAR/AGREEMENT TEMPLATES ARE HERE - http://www.consumeractiongroup.co.uk/forum/content.php?65-legislation

 

IF WE HAVE BEEN HELPFUL -PLEASE, PLEASE, PLEASE GIVE A DONATION TO HELP US TO CONTINUE HELPING YOU

 

I AM HAPPY TO RECEIVE PM's AND I WILL RESPOND IF I FEEL I CAN ASSIST BUT WHEN YOU DO CAN YOU PLEASE PROVIDE A LINK TO YOUR THREAD ON WHICH YOU WOULD LIKE ME TO COMMENT - THANK YOU

 

IMPORTANT - If you are sent a private message directing you for advice or support with your issues to another website,this is your choice.

Before you decide,consider the users here who have already offered help and support.

Private message facilities are offered for users to communicate issues that are/or could be seen to be inappropriate for posting on the main forum.Site rules explain this in more detail.

If you are approached by private message with a view to asking you to visit another website,please inform the site team via the report icon.

 

Forum rules - http://www.consumeractiongroup.co.uk/forum/forum-rules-please-read/9-forum-rules-please-read.html

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Was the CCA they sent you ok ? or was it just a 'pre-contract' ?

PLEASE NOTE - I am not a legal expert, what is stated is my own opinion and from what I have learnt from this forum and my own experiences.

 

DEBT COLLECTION LETTER/SAR/AGREEMENT TEMPLATES ARE HERE - http://www.consumeractiongroup.co.uk/forum/content.php?65-legislation

 

IF WE HAVE BEEN HELPFUL -PLEASE, PLEASE, PLEASE GIVE A DONATION TO HELP US TO CONTINUE HELPING YOU

 

I AM HAPPY TO RECEIVE PM's AND I WILL RESPOND IF I FEEL I CAN ASSIST BUT WHEN YOU DO CAN YOU PLEASE PROVIDE A LINK TO YOUR THREAD ON WHICH YOU WOULD LIKE ME TO COMMENT - THANK YOU

 

IMPORTANT - If you are sent a private message directing you for advice or support with your issues to another website,this is your choice.

Before you decide,consider the users here who have already offered help and support.

Private message facilities are offered for users to communicate issues that are/or could be seen to be inappropriate for posting on the main forum.Site rules explain this in more detail.

If you are approached by private message with a view to asking you to visit another website,please inform the site team via the report icon.

 

Forum rules - http://www.consumeractiongroup.co.uk/forum/forum-rules-please-read/9-forum-rules-please-read.html

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Not to sure about the CCA i did send postggj some documents to look at but never heard anything from him

:whoo:Stock Car Racing Is Not A Hobby. Stock Car Racing Is A Way Of Life:whoo:

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Hi all well tomorrow will be the 7 days since i sent the email to bw legal. so im guessing i should now be applying to the courts to get this set aside ???

:whoo:Stock Car Racing Is Not A Hobby. Stock Car Racing Is A Way Of Life:whoo:

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hi i have just noticed that the statutory demand is in my name only. but the debt is jointly owned by me and my wife. Dose this make any difference to the demand. i also find it strange as in the beginning the original loan was a loan secured on my property ????

:whoo:Stock Car Racing Is Not A Hobby. Stock Car Racing Is A Way Of Life:whoo:

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Received a letter today from Bwlegal saying they will place the account on hold for a further 7 days

as they require written documentation of the dispute.

 

And that I should contact lowlle directly about this.

 

But I did contact lowlle before I received the SD and they told me that Bwlegal was dealing with the matter

on there behalf and all correspondence should be sent to them ?

 

Are they just passing the book here.

 

Should welcome finance not have passed all the details of the account over including all information regarding the dispute.

 

While going through my paper work I found a letter from welcome saying they can't uphold my complaint

with regards to them not sending me my CCA.

due to me not sending the fee.

 

But I have a letter from the post office stating when welcome cashed the postal order for the CCA.

 

Many thanks

 

Miky-j

:whoo:Stock Car Racing Is Not A Hobby. Stock Car Racing Is A Way Of Life:whoo:

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Have you submitted your 6.4 and 6.5 's ?? Remember to take the original stat demand with you as well, make sure you have copies of everything and stick to the 18 day deadline..ignore their letter they don't know the difference between their backside and their elbow

PLEASE NOTE - I am not a legal expert, what is stated is my own opinion and from what I have learnt from this forum and my own experiences.

 

DEBT COLLECTION LETTER/SAR/AGREEMENT TEMPLATES ARE HERE - http://www.consumeractiongroup.co.uk/forum/content.php?65-legislation

 

IF WE HAVE BEEN HELPFUL -PLEASE, PLEASE, PLEASE GIVE A DONATION TO HELP US TO CONTINUE HELPING YOU

 

I AM HAPPY TO RECEIVE PM's AND I WILL RESPOND IF I FEEL I CAN ASSIST BUT WHEN YOU DO CAN YOU PLEASE PROVIDE A LINK TO YOUR THREAD ON WHICH YOU WOULD LIKE ME TO COMMENT - THANK YOU

 

IMPORTANT - If you are sent a private message directing you for advice or support with your issues to another website,this is your choice.

Before you decide,consider the users here who have already offered help and support.

Private message facilities are offered for users to communicate issues that are/or could be seen to be inappropriate for posting on the main forum.Site rules explain this in more detail.

If you are approached by private message with a view to asking you to visit another website,please inform the site team via the report icon.

 

Forum rules - http://www.consumeractiongroup.co.uk/forum/forum-rules-please-read/9-forum-rules-please-read.html

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I've got the 6.4 and the 6.5. Form. Not to sure on what to put on the 6.5 one. Am going to take them to the court tomorrow

:whoo:Stock Car Racing Is Not A Hobby. Stock Car Racing Is A Way Of Life:whoo:

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Have you had a look through some of the other threads ? They (the court) will not be able to help you with your defence.....(6.5 witness statement)

PLEASE NOTE - I am not a legal expert, what is stated is my own opinion and from what I have learnt from this forum and my own experiences.

 

DEBT COLLECTION LETTER/SAR/AGREEMENT TEMPLATES ARE HERE - http://www.consumeractiongroup.co.uk/forum/content.php?65-legislation

 

IF WE HAVE BEEN HELPFUL -PLEASE, PLEASE, PLEASE GIVE A DONATION TO HELP US TO CONTINUE HELPING YOU

 

I AM HAPPY TO RECEIVE PM's AND I WILL RESPOND IF I FEEL I CAN ASSIST BUT WHEN YOU DO CAN YOU PLEASE PROVIDE A LINK TO YOUR THREAD ON WHICH YOU WOULD LIKE ME TO COMMENT - THANK YOU

 

IMPORTANT - If you are sent a private message directing you for advice or support with your issues to another website,this is your choice.

Before you decide,consider the users here who have already offered help and support.

Private message facilities are offered for users to communicate issues that are/or could be seen to be inappropriate for posting on the main forum.Site rules explain this in more detail.

If you are approached by private message with a view to asking you to visit another website,please inform the site team via the report icon.

 

Forum rules - http://www.consumeractiongroup.co.uk/forum/forum-rules-please-read/9-forum-rules-please-read.html

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If it was me then I would be stating along the lines of

 

missold PPI - still disputed with no remedy, debt has been 'sold' whilst in dispute

 

excessive charges

 

non production of a valid, legible and signed credit agreement despite a legal request made under the Consumer Credit Act 1974

 

(have a read through some of the threads in here) - http://www.consumeractiongroup.co.uk/forum/forumdisplay.php?190-DCA-Legal-Successes

 

You will also need to show evidence, any letters, recorded delivery slips showing the dispute before Lowells got their grubby mits on it.....

PLEASE NOTE - I am not a legal expert, what is stated is my own opinion and from what I have learnt from this forum and my own experiences.

 

DEBT COLLECTION LETTER/SAR/AGREEMENT TEMPLATES ARE HERE - http://www.consumeractiongroup.co.uk/forum/content.php?65-legislation

 

IF WE HAVE BEEN HELPFUL -PLEASE, PLEASE, PLEASE GIVE A DONATION TO HELP US TO CONTINUE HELPING YOU

 

I AM HAPPY TO RECEIVE PM's AND I WILL RESPOND IF I FEEL I CAN ASSIST BUT WHEN YOU DO CAN YOU PLEASE PROVIDE A LINK TO YOUR THREAD ON WHICH YOU WOULD LIKE ME TO COMMENT - THANK YOU

 

IMPORTANT - If you are sent a private message directing you for advice or support with your issues to another website,this is your choice.

Before you decide,consider the users here who have already offered help and support.

Private message facilities are offered for users to communicate issues that are/or could be seen to be inappropriate for posting on the main forum.Site rules explain this in more detail.

If you are approached by private message with a view to asking you to visit another website,please inform the site team via the report icon.

 

Forum rules - http://www.consumeractiongroup.co.uk/forum/forum-rules-please-read/9-forum-rules-please-read.html

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