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    • 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.
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    • deed?  you mean consent order you and her signed? concluding the case as long as you nor she break it's conditions signed upto? dx  
    • Well tbh that’s good news and something she can find out for herself.  She has no intention of peace.  I’m going to ask the thread stays open a little longer.   It seems she had not learned that I am just not the one!!!!  plus I have received new medical info from my vet today.   To remain within agreement, I need to generally ask for advice re:  If new medical information for the pup became apparent now - post agreement signing, that added proof a second genetic disease (tested for in those initial tests in the first case but relayed incorrectly to me then ), does it give me grounds for asking a court to unseal the deed so I can pursue this new info….. if she persists in being a pain ? If generally speaking, a first case was a cardiac issue that can be argued as both genetic and congenital until a genetic test is done and then a second absolute genetic only disease was then discovered, is that deemed a new case or grounds for unsealing? Make sense ?   This disease is only ever genetic!!!!   Rather more damning and indisputable proof of genetic disease breeding with no screening yk prevent.   The vet report showing this was uploaded in the original N1 pack.   Somehow rekeyed as normal when I was called with the results.   A vet visit today shows they were not normal and every symptom he has had reported in all reports uploaded from day one are related to the disease. 
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Lowell Portfolio 1 Ltd - dodgy letter??


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Hi there - I originally posted this in someone elses thread - sorry!! Am new to this site so please forgive me. I will copy it here now:

 

I really could do with some help with this matter so any advice will be gratefully received.

 

Hi all - I have had a letter from Lowell portfolio1 ltd. It is on unheaded paper and says:

 

I have been directed to serve you with a Statutory Demand issued under the insolvency act 1986.

I have already attended at your address without meeting with you.

I have to inform you that I will attend at your address as above on ******* ** November afor the purpose of serving you personally with such statutory demand.

Should the above appointment prove inconvenient, I will endeavour to attend any other reasonable appointment you may suggest, or a solicitor may accept service.

It is my duty to inform you that should you fail to attend the above appointment or any other made in lieu thereof, substituted service of the saidstatutory demand shall be deemed to have been effected by way of advertising the demand or by insertion through your letterbox.

Your failthfully

 

name and mobile number written here.

Process Server

 

Any advice gratefully received. Thank you.

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What A Load Of Rollocks From The Leeds Loosers Again

 

Have They Been In Contact Prior To This

 

Letters From The Leeds Loosers

 

Do You Know What The Debt Is

 

Its Quite Easy To Set Asside With Costs If Real

 

Most Of The Time Its A Threat To Get You To Call But Must Treat With Caution

 

Do You Own Your Own House

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Gosh - that was 2 very swift responses - thank you - and thank heavens I've come across this site. Its for an old credit card - but not 6 years old unfortunately. I've been reading this site most of the afternoon - it's so interesting and informative.

I also discovered on this site - and I've checked it out - that Lowells Portfolio 1 Ltd (thats a number one by the way) are not registered on the Information Commissioners Site as Data Processors!!

My main concern is that this letter is on totally unheaded paper and the only phone number supplied is a mobile number? Strange?

It looks like this debt has been sold a couple of times as at the top of the "letter" it says in bold type

"Statutory Demand - Lowell Portfolio 1 Ltd (Original creditor - Compucredit International Servicing LLC, T/a Monument."

He reckons he's coming back to my house - very soon - do I stay off work for this or is it best to see what gets pushed through the letterbox next?

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CompuCredit Plays First International Card with Barclays

 

April 5, 2007, 7:18 am Atlanta-based CompuCredit has made its first international portfolio buy in a deal with Barclaycard, a division of Barclays Bank. The maker of credit cards for high-risk individuals bought $970 million in Monument sub-prime credit card receivables from Barclaycard for $770 million.

Barclaycard is a multi-brand credit card and consumer loans business that also processes card payments for retailers and merchants and issues credit and charge cards to corporate customers and the British government.

 

CompuCredit Plays First International Card with Barclays - DealBook Blog - NYTimes.com

 

 

These Guys??

Who ever heard of someone getting a job at the Jobcentre? The unemployed are sent there as penance for their sins, not to help them find work!

 

 

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I'm not sure I'm understanding all this - I clicked the 'set aside' link but I'm not sure what I'm looking for. This debt was only originally around £1400 - is it not better to try to make some kind of arrangement? Thats if this letter is genuine - it makes no reference to amounts owed or gives any address for any correspondence. Also, I'm concerned that their name - using the number1 as opposed to the roman numeral style one is all just a bit dodgy?

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OK Lucy....first things first - please spend some time reading around here - DCA Legal Successes - The Consumer Forums you will find plenty of other thread from 1st Credit / Connaught and Capquest which deal with stat demands....I would send a CCA request immediately to Lowells and a SAR to the original creditor...CCA request costs £1 and SAR costs £10...send each recorded delivery and use postal orders if you can.

 

Can you please PM me with the name and number of the process server...

 

Do you know how much of this debt is made up of excessive penalty charges ? and or PPI ? if at all ?

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42Man - thanks for trying to help. Happy to send you PM - how do I do that?

I have no idea how much of the debt would be charges - and I have no idea what PPI is either? Oh dear - I'm beginning to feel really stupid now - as well as frantic about this issue too!

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42Man - thanks for trying to help. Happy to send you PM - how do I do that?

 

Hi,

 

Click on 42mans name, then send message (below name )

 

Regards.

 

Scott.

Any advice I give is honest and in good faith.:)

If in doubt, you should seek the opinion of a Qualified Professional.

If you can, please donate to this site.

Help keep it up and active, helping people like you.

If you no longer require help, please do what you can to help others

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No need to worry Lucy...we were all new to CAG once, PPI is payment protection insurance. As mentioned above, send of the CCA request (don't hand sign it though) this will need to go to Lowells, and the SAR you have to sign (but put crosses through your signature so it can't be 'lifted') and send for the attention of the Data Compliance Manager at the head office of the ORIGINAL CREDITOR's address....

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Keep copies of the letter/s and the recorded delivery slips don't forget to insert postal orders.....and do spend some time reading around these forums. I assure you, you will pick up some amazing information....

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If he says he will come at a certain time, then let him / her ......ask for FORMAL IDENTIFICATION and an address for where he is from...ask if he /she is registered by the Office Of Fair Trading.....and if he says yes ask for his number.....if you have access to a witness to your house then get them to watch at the time they say they are coming....it has been known for process servers to lie.

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