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merlyn2003

Lowell Problems Please Help

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Please read the letters to see where I am up to.

 

CCA request Sent June 10th

 

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Yes The Application Form is almost impossible to read.

 

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I wrote to my Local Trading standards office at this point and informed them that I have.

As you can see from the next letter they are just ignoring everything I tell them and demanding payment.

 

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What should I do?

 

Can anyone help me.

 

Who should I complain to next and what should I write?

Edited by merlyn2003

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Please dont take this the wrong way but you have put far too much effort into these idiots, i have never seen them take anyone to court with this crap from crap one, but will leave on your credit file regardless, now i can see from your letters you have the knowledge of the law,however the realism is Lowell will not take you to court or do anything other than send letters either from Red debt or Hamptons illegal and themselves,

 

But will not remove from their list because those that have power to stop them do Bu***r all about it, so will stay on your credit record.

 

Wouldnt waste another second of your life on these wasters,

 

or your could email the C.O.O at andrew.bartle@lowell.co.uk;):D:D:D


All comments are well meant but i am not legally qualified only CAG educated:D

 

 

In the slight chance i have been helpful please click the scales:)

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personally i wouldn't even bother sending good old andrew a message, i know an employee of lowell and he treats them worse than he treats his so called debtors, dont waste your time, make sure they dont ring you more than 3 times a day or its 'harassment' and they can get done for it, other than that they are a pointless company and not worth wasting your time on.

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Call centre monkeys, don't waste your life on them all they do is eat bananas and climb trees. Letters just get passed from one desk to the next, to the next and so on. I'm quite suprised that they are so literate must have been having a few lessons or the juniors have now progressed.

 

DG


I have no legal training my knowledge comes from my personal life experiences

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this message has been deleted

Edited by sqwiggs
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You've spent far too long going about this... in all of my experience, unless you are veyr lucky, using the CXA arguments only ever works in defending action.

 

Even the courts acknowledge that the debt still exists and they acknowledge the right of organisations to record personal data with credit reference agencies. This is, to a certain extent, perfectly acceptable because it offers a prospective lender the ability to make a judgement on your ability to pay.

 

Can you afford to pay the debt? If you can't then that's fair enough. But why would you be looking to remove it from your credit report? To obtain further credit?

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Hi all,

My wife is getting s**** threats from these a*** wipes, and she has been seriously ill of late. Her message to me and to all is your health and life is worth more than some jumped up little c*** demanding monies by threats. Why doesn't everyone just bombard them with a standard letter - Take us all to court, A debt has to be proved through the courts before it can be enforced.

Oh, I suggested that the RAF use these Leeds tossers offices as target practice. Now that would be funny - its all in the best possible taste.

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Even the courts acknowledge that the debt still exists and they acknowledge the right of organisations to record personal data with credit reference agencies. This is, to a certain extent, perfectly acceptable because it offers a prospective lender the ability to make a judgement on your ability to pay.

 

Indefinitely?

 

My personal opinion is that if the banks, CCC had followed the correct procedures regarding the extension of credit they would not be in the position they find themselves today not only with personal credit but lending in general. Its very rare that anyone wants to avoid paying what is owed but the aggressive nature of banks and DCA's is what angers consumers. With the advent of the internet and the ability to share information websites such as CAG only inform consumers of rights under law and the poor banking practices of lenders.

 

Personnaly I think there needs to be changes in the law, with the exception of CCJ's DCA's should be no longer allowed to chase SB debts. Its the underhanded tactics of the DCA's, misleading paperwork which in my opinion is demanding money by harrassment and in many cases commiting fraud. With regards CCA's, SAR etc, there should be time limits on lenders. How many times I have read on here that its been a year or longer? Banks should deal in house with debtors, if the debts are sold they should only be allowed to be sold once, not multiple times to companies within the same group. Demanding money after the 6 year SB should become an offence.

 

I can never understand why there has not been a debt company which only accepts debts from clients which they know are 100% enforceable? Correct paper work, within perscribed guidlines etc.

 

I'm all for test cases against the banks but in the current climate I think judges may instructed to give judgements against the consumer.

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They can only record information for six years after the a/c first went into default.


Anthrax alert at debt collectors caused by box of doughnuts

 

Make sure you do not post anything which identifies you. Although we can remove certain things from the site unless it's done in a timely manner everything you post will appear in Google cache & we do not have any control over that.

 

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17 Port & Maritime Regiment RCT

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I am not denying that I applied for a card from Cap1.

I did not ever get a card from them!

I do not owe this debt!

This debt might exist but it is not MINE!

How am I suposed to prove it?

I can't see any other way than either paying the debt or making it my life's purpose to challenge it.

I have been reading the corespondence related to this and have decided to issue complaints to every authority on each individual issue I have with them and the documents & letters they have sent.

I have aspurgers and am a stickler for rules...

Ok it's my obsession but Rules must be obeyed and if they don't then every agency that oversee those rules MUST provide a ruling on each action that does not comply with the law.

 

Oh and if you are in any doubt ---- I have NEVER missed a payment on any accounts EVER!

Never had a late payment or default and have never taken credit unless I am sure that I can pay it early!

The only credit I have not paid off early is Dell because they will charge me £200 for early repayment.

 

To be honest by the time I finish with this more will be spent in postage by both of us than the original sum they are trying to extort from me!

Edited by merlyn2003

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How are you supposed to prove a negative? It's not for you to prove that it's not your debt - the burden of proof is theirs, so they have to prove that it is.

 

If they've not done that, let them stew.

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I admire your persistence with these eeejits.

 

But talking to the leeds losers is as good as talking to a house brick.

 

Ignore these sad sorry Neanderthals, and enter a formal complaint with them. And to be honest unless you are going to take them to court for their various offences, then you are wasting your time.

 

Formal complaints should be made to the OFT, Trading Standards via consumer direct, your local MP's, BBC Watchdog, anyone that can bring these leeches to their knees and fetch their fat heads out of the clouds.

 

The Office of Fair Trading: Contact us

 

Financial Ombudsman Service

 

Consumer Direct

 

Complaints - Privacy & electronic communication - ICO

 

How to Complain

 

Welcome to the CSA


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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My local Trading Standards say that the Application Form is a CCA and is executed.

They also say that it is for the debter to provide proof that the terms were not present at the time of signing

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It would appear that your local Trading Standards do not know their downward pointing rear orrice from their elbows. The application form cannot be properly executed as it does not contain the prescribed terms. Furthermore they are wrong in saying that its up to you to prove that the terms were not present at the time of signing. Its up to the Leeds Losers to prove they were there at the time of signing. It is an impossibility to prove a negative


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did you sar cap1 for the statements see what activity was happening on the alledged account ie when and where is was used to prove you were else where.

 

failing that file all clownells letters until B for bin-it


PGH7447

 

 

Getting There Slowly

---------

 

Advice is given freely but is in no way meant to be taken as Gospel:-)

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My local Trading Standards say that the Application Form is a CCA and is executed.

They also say that it is for the debter to provide proof that the terms were not present at the time of signing

 

Given the information they've given you, your local TS would be best sticking to advising about dodgy Guest Houses, Palmists & Clairvoyants.


Anthrax alert at debt collectors caused by box of doughnuts

 

Make sure you do not post anything which identifies you. Although we can remove certain things from the site unless it's done in a timely manner everything you post will appear in Google cache & we do not have any control over that.

 

Vir prudens non contra ventum mingit

 

[sIGPIC][/sIGPIC]

17 Port & Maritime Regiment RCT

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I would ask to speak to their head-its obvious that its not been dealt with by someone who knows.

I had a similar issue with mine-I had a job getting past reception because they were telling me I needed to go to CAB :rolleyes:

 

A strongly worded letter to the boss there got the desired effects-and they sorted it within a week !


Have a happy and prosperous 2013 by avoiiding Payday loans. 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.

Advice offered by Martin3030 is not supported by any legal training or qualification.Members are advised to use the services of fully insured legal professionals when needed.

 

 

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Oh dear... what hope do any of us have when TS make comments like that?

 

Prove something wasn't there? Deary me.

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As it appears that alot of agencies meant to help are now growing tired and weary, ask CAB for their complaints procedure also, it might have the effect that although they do do a sterling job in advising people of their rights, it might just need to be tweaked here and there.


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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