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    • Thank you very much for your letter in regard to the above mentioned shipment.  Due to the high volume of parcels coursing through the courier network each day, undergoing continuous processing and handling, certain packages may experience delays or even can get lost in the course of this journey. Please note that due to the time that has passed, this shipment has been declared as lost.  I have today processed the claim and made offers to the value of £75 as a goodwill gesture without prejudice. I do acknowledge that you have mentioned in your letter that the value was higher, however, you did not take out any protection to that amount. The protection for this shipment was £20 and we will not be increasing our goodwill offer any further.    Please log into your account online in order to accept our offer. Once accepted, our accounts department will process the claim accordingly. The claim payment will be processed and received within 7 working days.                                  In addition, a refund of the carriage fee will be processed as a separate payment and will be received within 3 working days.  If I can further assist, please feel free to contact me.   I have also just noticed that yesterday afternoon they sent me an email stating that "after my request" they have refunded the cost of shipping. I did not request the refund so will mention that in my letter as well.
    • Hi I had to leave Dubai back in 2011, during the financial crisis. And only now have I received a letter from IDRWW. Is this anything to worry about about as I have 2 years left until it’s been 15 years(statute barred in Dubai). Worried as just got a mortgage 2 years ago. Could they force me in to bankruptcy? Red lots of different threads on here. And unsure what true and what isn’t. 
    • Not that TOR will see this now he's thrown in the hand grenade. Rayner has plenty of female supporters on X, for a start. As for the council and HMRC, fair enough and I thought Rayner was already in touch with them. That's where it should be dealt with, not the police force. @tobyjugg2 Daniel Finkelstein thinks the same as you about tax. The Fiver theory. How the Fiver Theory explains this election campaign ARCHIVE.PH archived 28 May 2024 17:36:51 UTC  
    • Often with the Likes of Lowells/ Overdales that 'proof' doesn't stand up to scrutiny.   Think about it like a game of poker, they want to intimidate you into folding and giving up as soon as possible, and just get you to pay up and roll over, that is their business model, make you think your cards are rubbish. What they don't expect, and their business isn't set up for it, is for a defendant to find this place and to learn that they have an amazing set of cards to play. Overdales don't have an infinite number of lawyers, paralegals etc, and the time / money to spend on expensive court cases, that they are highly likely to lose, hence how hard they will try to get you to roll over.  Even to the extent of faking documents, which they need to do because the debts that they purchased were so cheap, in the first place. Nevertheless it works in most cases, most people chicken out, when they are so close to winning, and a holding defence is like slowly showing Overdales your first card, and a marker of intention that this could get tricky for them. In fact it may be,  although by no means guaranteed that it won't even go any further than that.  Even if it does, what they send you back will almost certainly have more holes than Swiss Cheese, and if with the help you receive here, you can identify those weaknesses and get the whole thing tossed in the bin.
    • So Rayner who is don’t forget still being investigated by the local council and HMRC  is now begging to save her seat Not a WOMAN in sight in this video other than Rayner  Farage is utterly correct this country’s values are non existent in her seat   Rayner Pleads With Muslim Voters as Pressure From Galloway Grows – Guido Fawkes ORDER-ORDER.COM Guido has obtained a leaked tape from inside a meeting between Angela Rayner and Muslim voters in Ashton-under-Lyne...  
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about to tackle a mountain of debt.. or do i just go bankcrupt?


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nothing in effect...it has been returned to oc....westcott have said they are no longer collecting and returned it to oc....the debt still exists...it justs looks like they do not have the correct paperwork to pursue it in law.....in effect case closed

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I would send Westsnot this http://www.consumeractiongroup.co.uk/resources/templates-library/86-debt-collectors/585-letter-following-up-after-a-debt-collection-agency-has-closed-its-files-

 

Unless anyone else has other opinions?

 

And to think your first thought was to go BR:shock:

 

See what happens when you learn your rights and begin hitting them head on!

 

Well done,;)

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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okay, received another letter from Lowell stating 'we are in receipt of correspondance,' and 'your account has been placed on hold,' and 'There is no need,, to write to us again regarding this matter.' I'm guessing this is a 'we don't have the paperwork we need' letter and I intend to send the failure to supply letter anyway..?

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also 2 queries; does it matter at all that public holidays meant that the letter posted on the 30th reached them on the 3rd, i'm guessing not it's 12+2 days from the 30th right?

2nd It seems both this letter (failure to supply on CCA request) and the 'after account closed' letters are quite in your face, am a bit worried about that, just want my credit score back as peacefully as poss thank u ..?

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So i can hit the original creditor, in this case cap 1, for SAR for any charges levied on the acc? I know this is branching into different teritory here but, since the OFT test case what's the coo, are any charges still classed as unlawful, can i claim them back from a cc acc?

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Okay, thanks all once m ore for your support, couldn't do this without you.

;)

 

So far no credit file has arrived, Experian no response and equifax 2 seperate requests to confirm my new address... only sent call credit last week so,, that's okay. any advice on an appropriate way to chase my credit file at experian..?

 

have sent a default letter today to Lowell concerning the Cap 1 debt. Am thinking I will chase Cap 1 for charges to be repaid. ( I had some luck with reclaiming abbey charges 3 years ago b4 the test case etc..)

 

If they don't respond is it likely they'll remove entries on my credit file, can i force them ? If the debt is in default, which it now is, hooray! and they cannot sell it on or claim on it,, what happens next..??

 

thanks all again... the journey continues but am excited now instead of lost..

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Can only advise being persistant with experian.

 

You can go either way on the crap 1 account. Claim your charges back OR go the unenforceable/non compliance of CCA route. It's impossible to call anything yet on this as you only just notified lowlife that you consider them to be defaulting on your CCA request. Do you have any idea of how much unfair charges could be on the account? if you don't have a full set of statements etc. you should SAR crap 1 as soon as you decide which way :)

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Okay, thanks all once m ore for your support, couldn't do this without you.

;)

 

 

 

If they don't respond is it likely they'll remove entries on my credit file, can i force them ? If the debt is in default, which it now is, hooray! and they cannot sell it on or claim on it,, what happens next..?

 

it is highly unlikely they will remove defaults from credit file..as to can you force them? well you could initiate court action yourself..the problem is..is that although the debts are unenforceable because of the paperwork this doesnt mean they dont exist...and stopping them trashing your file is difficult....they will eventually drop off after 6 years anyway...

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i'll look into my statements and add up the charges, this will take a while cos theyre in boxes..

Need that credit file...:confused: so i can see who has defaulted my file in the past and when. and when they might stop affecting things..

 

So a debt may just stay around until 6 years old?

also if a DCA commits an offence what does it mean..?

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Sadly, due to the implementation of the CPUTR 2008 in to UK law, the criminal offence no longer applies to non compliance of a CCA request :(

 

The breach of OFT guidlines and the CPUTR that the DCA/OC commit if they fail to furnish within the 12 + 2 working day timescale should at all times be reported to TS, the OFT your MP and anyone else you think should know, if they recommence collection activity :D

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so basically, they've failed to provide a CCA within the 12 + 2 working days. I've notified them that the account is in default which means it will stay with them but they cannot chase me for it. Nor can they default my credit file any further. So is that it,??

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so basically, they've failed to provide a CCA within the 12 + 2 working days. I've notified them that the account is in default which means it will stay with them but they cannot chase me for it. Nor can they default my credit file any further. So is that it,??

basically thats is it..you are now safe in the knowledge they cannot enforce said debt..take court action etc etc..but they can default your credit file...remember unenforceability does not mean debt doesnt exist...it does..it is just unenforceable

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  • 2 weeks later...

hello everybody, new developments ,,,

the 2 summits of my mountain are owned by lowell, an old 2005 cap 1 cc, and, capquest an 11grand loan.

 

the first, lowell's is now in default and i received a letter last week stating that they haven't received a cca from cap 1 but that cap1 are looking for it 'retreiving the paperwork,' and once they Lowell receive it they'll post me a copy and want payment in full. So can they do that.?

 

secondly, i have asked capquest for a cca, they go into default today and they're letter states 'we can confirm we are in receipt of the' cca and 'in accordance with the data protection Act 1998' require me to contact them to confirm 'important security information. We will be unable to send' ..'until you have doen this.'

 

Do I call i'm not into telephone calls and will not undersign a debt by giving my date of birth to these guys, but do they have a legal standpoint here?

 

thankyou as always..

 

w

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they nearly always state that once they have found cca they require full payment...well what they want and what they get are 2 different things...this is sent in order to frighten and worry you..accept it for what it is just another one of their boring threatograms...capquest were happy to harrass you when they believed you were the debtor..yet want more info before sending the cca...wait for time limit to be up and then put account into default...end of...dont ring em..and no they dont have a legal standpoint here...there is a letter on here telling them they were happy to deal with you before you asked for cca..so why not now..ignore em..send in dispute letter after deadline

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