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    • @Man in the middle I've been searching the forum and you seem very knowledgeable. Would you mind giving a look at my query please? Thanks in advance!!
    • Thanks for this! I'm still not clear if I'm facing more than 6 points on my license though. Can you explain any further please? When I accept the 2nd speeding ticket, will they just charge me £100 and 3 points, or will they be more severe concenquences since that offense took place the following day of the 1st offense? Similarly, when I accept the 3rd offense, will they look at my record or just charge me with the £100 fine and 3 points?
    • Yes of course. That's why it says cc:: BIg Motoring World at the bottom. Don't imagine that this solves the issue. It doesn't. He not have to force the finance company and big motoring world to accept the rejection to give your money back. I suggest that you get the letter off tomorrow. And let us know what you hear but on Friday you should then send a threat to the finance company.   Have a look what I have said here about your options and read the whole thread as well.  
    • Been perusing the actual figures on the polls above wondering where the '16% claimed for deform comes from? I understand that there are 'weighted' end results based on secret calculations ...   Probably going to repeat this later, but remember that the ukip/brexit/reform/deform party has ALWAYS had poll speculation FAR better than their actual  performance at elections - by large margins. SO: The labor and Tory votes come largely from simply the people who say they will vote for them - sorted Lab 43% Tory 20%, with maybe another small 1-2% coming from the weightings of the 'not sures' Greens largely get what is declared from 'other' , although with another declared green bit from the 'pressed' question   So as the share of the voting displayed in 'other' granted to reform/deform is around 11%, where does the '16% too often being reported come from? Seems that reform has been granted as beneficiary of effectively ALL the don't knows and wont says, who when pressed didn't actually declare for someone else ... effectively adding 40%+ to their reported polling % - rather strange given their consistent under-performance compared to polling - or perhaps that is the cause of the higher rating eh?   Now I admit the possibility (probability?) of wingers being ashamed of declaring their support for the yuckey lemon end of the spectrum ... but surely  that should affect the 'Torys as well? Maybe the statisticians have simply weighted in that deform wingers are simply more likely to lie?   But - without 'weightings' and assumptions that faragits will get everything that isnt declared as a definite and unequivocal 'not that Piers Morgan' - reform is on around 11% it seems.   Add to that the history of polling a lot less than the hype - and the simple fact that faragit wingers seem to be spread across the country (presumably skulking in their moms spare room despite being 45+) and greens and lib dems seem to be community minded - I think two seats will be an epic result for farage. Hardly the opposition - far more raving wingnut party.   and importantly - Has farage got a home in clacton yet?
    • "as I have no tools available to merge documents, unless you can suggest any free ones that will perform offline merges without watermarking" (which you don't) ... but ok please upload the documents and we'll go from there
  • Our picks

    • If you are buying a used car – you need to read this survival guide.
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    • Hello,

      On 15/1/24 booked appointment with Big Motoring World (BMW) to view a mini on 17/1/24 at 8pm at their Enfield dealership.  

      Car was dirty and test drive was two circuits of roundabout on entry to the showroom.  Was p/x my car and rushed by sales exec and a manager into buying the mini and a 3yr warranty that night, sale all wrapped up by 10pm.  They strongly advised me taking warranty out on car that age (2017) and confirmed it was honoured at over 500 UK registered garages.

      The next day, 18/1/24 noticed amber engine warning light on dashboard , immediately phoned BMW aftercare team to ask for it to be investigated asap at nearest garage to me. After 15 mins on hold was told only their 5 service centres across the UK can deal with car issues with earliest date for inspection in March ! Said I’m not happy with that given what sales team advised or driving car. Told an amber warning light only advisory so to drive with caution and call back when light goes red.

      I’m not happy to do this, drive the car or with the after care experience (a sign of further stresses to come) so want a refund and to return the car asap.

      Please can you advise what I need to do today to get this done. 
       

      Many thanks 
      • 81 replies
    • Housing Association property flooding. https://www.consumeractiongroup.co.uk/topic/438641-housing-association-property-flooding/&do=findComment&comment=5124299
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    • We have finally managed to obtain the transcript of this case.

      The judge's reasoning is very useful and will certainly be helpful in any other cases relating to third-party rights where the customer has contracted with the courier company by using a broker.
      This is generally speaking the problem with using PackLink who are domiciled in Spain and very conveniently out of reach of the British justice system.

      Frankly I don't think that is any accident.

      One of the points that the judge made was that the customers contract with the broker specifically refers to the courier – and it is clear that the courier knows that they are acting for a third party. There is no need to name the third party. They just have to be recognisably part of a class of person – such as a sender or a recipient of the parcel.

      Please note that a recent case against UPS failed on exactly the same issue with the judge held that the Contracts (Rights of Third Parties) Act 1999 did not apply.

      We will be getting that transcript very soon. We will look at it and we will understand how the judge made such catastrophic mistakes. It was a very poor judgement.
      We will be recommending that people do include this adverse judgement in their bundle so that when they go to county court the judge will see both sides and see the arguments against this adverse judgement.
      Also, we will be to demonstrate to the judge that we are fair-minded and that we don't mind bringing everything to the attention of the judge even if it is against our own interests.
      This is good ethical practice.

      It would be very nice if the parcel delivery companies – including EVRi – practised this kind of thing as well.

       

      OT APPROVED, 365MC637, FAROOQ, EVRi, 12.07.23 (BRENT) - J v4.pdf
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lowell portfolio.


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Hi all,

Sorry to bother you guys Again. My mother received this letter this morning from a company called lowell portfolio.

http://i871.photobucket.com/albums/ab276/kiltedman/lowell.jpg

I was wondering if some of you guys could have a quick look and let me know what you thing. She says she knows nothing about this and i know that this is the first time that lowell have been intouch. should i just CCA them and see what comes?

 

Hope you guys can help.

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kiltedman, if it helps i had Lowells pursue me for a few months, i followed the advice off the great great people on here.

 

Lowells suddenly could not obtain the information required and said that no further action would take place unless the OC could provide them with the information.

 

I am now going to tackle getting my defaults removed by lowells.

 

Follow the great advice on here and achieve what i thought could not or would not be possible.

 

good luck

PPI SUCCESS

2011- Lloyds TSB £3874

2011 - Loans.co.uk (GE Finance) £1504.77

2017 - Moneyshop - £977

2018 - Aquacard £1327

2019 - Citicard - £1071.31

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Guest Cartaphilus

Truly, I am doing a double take reading that silly worded letter! The gall of these people! What next from DCAs, bidding on your own debt on Ebay?:rolleyes:

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That is fantastic, the kids have been playing with their crayons again!

 

Buy back your debt?? I would frame that letter hang it in the bog to give you a laugh every time you read it. Truly amazing stupidity it's sheer brilliance....and so open to abuse:D

 

Email them and bid a million quid for it, see if they accept...what fools...hilarious fools mind.!

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 wouldn't worry about it - I had the same letter from them a couple of days ago relating to a debt of 10 years ago....they are just desperate fools :rolleyes:

 

Hi all,

Sorry to bother you guys Again. My mother received this letter this morning from a company called lowell portfolio.

http://i871.photobucket.com/albums/ab276/kiltedman/lowell.jpg

I was wondering if some of you guys could have a quick look and let me know what you thing. She says she knows nothing about this and i know that this is the first time that lowell have been intouch. should i just CCA them and see what comes?

 

Hope you guys can help.

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Initially I though the best way to deal with this letter was to file it under ignore.

 

But assuming your mother knows this debt exists, even from way back in time, then it may be worth a bit more effort to tie the Lowell Losers into tight little knots.

 

First of all they must be the owners of the account to put it up for sale. I am certain (lol) they have provided all the right paperwork to proove that they do. If not they should be made to do so - and while they are doing that, under a proper cca request - they should be asked for their complaints procedure.

 

Failing to provide the documents required under the CCA would be reason enough to complain. Making such a complaint they would have eight weeks to respond. Failing to do so, or even failing to provide details of their complaints procedure, would allow you - on your mother's behalf - to take the matter straight to the Financial Ombudsman.

 

I would also alert the OFT to this tactic and ask the fence sitters to consider whether this letter is fair. Copy your MP into that and ak him to ask the same question. The OFT may try to fob you off but they'll find it more difficult to do the same to the politician.

 

Have fun!

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I would like to know who else they are offering their 'bids' too, an auction surely must be 'open' to all comers, so are they 'advertising' their list of 'debtors' somewhere. I wonder how the ICO feels about this approach. Does the alleged debt go to the highest bidder, or is this just a one person auction - have they thought this through, seems highly desperate to me.

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This buy back your debt scheme must only be for those debts that are nearly statute barred. If Lowell could pursue the debts in the normal way through the courts, they would have done so.

 

Also the sentence about considering appointing debt collectors is puzzling. Perhaps Lowells are not debt collectors and are there just to help you !!

 

Could this just to be ruse to get people to admit the debt, by making a payment. If people were stupid enough to do this, what is to stop Lowell not honouring the letter and going for the full amount?

We could do with some help from you.

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They should put it ebay. They might have more luck. Maybe some kindly Nigerian Bank Official willl offer them $ 2000000.00 Two Million Dollars for it

 

Is it really any wonder they are called the LEEDS LOSERS

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Initially I though the best way to deal with this letter was to file it under ignore.

 

But assuming your mother knows this debt exists, even from way back in time, then it may be worth a bit more effort to tie the Lowell Losers into tight little knots.

 

First of all they must be the owners of the account to put it up for sale. I am certain (lol) they have provided all the right paperwork to proove that they do. If not they should be made to do so - and while they are doing that, under a proper cca request - they should be asked for their complaints procedure.

 

Failing to provide the documents required under the CCA would be reason enough to complain. Making such a complaint they would have eight weeks to respond. Failing to do so, or even failing to provide details of their complaints procedure, would allow you - on your mother's behalf - to take the matter straight to the Financial Ombudsman.

 

I would also alert the OFT to this tactic and ask the fence sitters to consider whether this letter is fair. Copy your MP into that and ak him to ask the same question. The OFT may try to fob you off but they'll find it more difficult to do the same to the politician.

 

Have fun!

no my mother says she knows nothing about this, and this is the first letter she has had off them, so could just ignore and see if they send any other letters then CCA them.

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Personally I wouldnt waste a quid on this shower. If your mother does not know anything about this alleged debt then the Leeds Losers MUST prove it actually exists and that she owes it. The onus of proof is with them. Unless and Until they do I would ignore them. They will get bored eventually and sell it to their illegitimate Scottish Cousins from Kilmarnock.

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  • 6 months later...

Quick update Folks, I filed the first letter under ignore and forgot about it, and now 6 months later my mum received a letter from RED DEBT COLLECTION SERVICES LTD. Saying and i quote

 

" Clear your account for just £10 per month, Red debt collection services understands that every person's financial situation is different and we are committed to helping you to repay your outstanding balance in a way that is affordable to you. Unfortunately, debts do not go away; no matter how much people want them to. However, in order to make it easier for you to settle your debt, we would like to offer you the options set out below: 1) pay £10 per month by direct debit (on the date of your choice by completing the form overleaf) until you have repaid the full outstanding amount. Or 2) clear you balance by making us an offer to pay a lump sum in full and final settlement of your debt.

 

If we do not hear from you within 15 days(from date of the letter), we will pass you account to a specialist debt collection company. when this happens, an agent from the debt collection company will contact you to arrange a mutually convenient time to visit you and discuss your repayment options.

 

We want to agree a repayment arrangement with you without having to take any further action so please call us as soon as possible on 0844 844 4716

 

Our advisors are willing to work with you to agree a payment arrangement that suits you financial situation. Our advisors are waiting to take your call.

 

Signed Kevin Allmark (collections manager)"

 

So after getting this i was planning on sending a CCA request and waiting to see what happens.

Any other course of action that you guys recommend??

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I was making token payments to a creditor and I got on of those this debt will never go away letters (not sure if it had something to do withh Lowell). So I stoppd my token payments, and wrote back to them saying there is little point in me making any payments to you if the debt is never going away!

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had the same letter recently told them, put up or shut up, basically a letter demanding all the info and having spoken to someone regarding this a statement of charges to deal with the letter should they not provide me with the information. I told them it would be £50 per hour to deal with it, this now its put in writing is what i can charge. last DCA i did it to wrote back and said it was sent back and canceled it of the books, a bit worried i could charge them i think

had my SD Set aside thanks to CAG

won with lowells thanks to CAG

dont ask me though these are the people to help:D

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So after getting this i was planning on sending a CCA request and waiting to see what happens.

Any other course of action that you guys recommend??

 

I would suggest not doing that. The reason is that in replying to this letter you are acknowledging that they have given you notice of the debt being assigned to them. If you do not do this then this is a defence if it should ever come to court.

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