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Parcel delivery insurance is prohibited under section 57 – Consumer Rights Act – Read about It Here and in The Times. ×


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    • fkofilee
      Iva with Hanover now been passed to credit expert

      By fkofilee · Posted

      Probably to do with the Creditor accepting the reduced payments claim as part of the IVA. - Thats my guess anyway.  As for the mount outstanding... 60k is incredible and im pretty sure a DRO wouldnt cover that much even after the new legislation.    For you @Alfy - Please stay headstrong and stop worrying. My viewpoint on debt with debt collectors is simple. You are a figure on a spreadsheet loaded into a database for them to run a collection cycle through.  They dont care about emotions or your situation, they just care about paying off their shareholders and trying to turn a profit.  They use varying tactics to increase the pressure on you to the point where you will break. People then fall for this an either cave in to DCAs before doing their own due diligence on the debts that are purchased or turn to IVAs like you have.    They are better ways to handle this and Im glad you feel better after a good nights sleep - I hope you can keep it up. 
    • jimguff
      Newton Autos in Milton Keynes - Bought a px Car to clear. Do I still have rights? they say no warranty!!

      By jimguff · Posted

      Good afternoon,    I am writing in reference to the retail dispute number ****, between myself and Newton Autos concerning the sale of a Toyota Avensis which has been found to have serious mechanical faults.    As explained previously the car was found to be faulty just six days after purchase. The car had numerous fault codes that appeared on the dash board and went into limp mode. This required assistance from the AA and this evidence has already been provided. The car continues to exhibit these faults and has been diagnosed as having faults with the fuel injectors which will require major mechanical investigation and repairs.    Newton Autos did not make me aware of any faults upon purchase of the vehicle and sold it as being in good condition.    Newton Autos have also refused to honour their responsibilities under The Consumer Rights Act 2015 which requires them to refund the customer if the goods are found to be faulty and not fit for purpose within 30 days of purchase.    Newton Autos also refused to accept my rejection of the vehicle and refused to refund the car and accept the return of the vehicle.    It is clear to me that the car is not fit for purpose as these mechanical faults occurred so soon after purchase and have been shown to be present by both the AA and an independent mechanic.   Kind regards
    • AndyOrch
      Commercial business lease - Letter before Action - Negotiation not going well

      By AndyOrch · Posted

      Commercial Landlords are legally allowed to sue for early cancellation of the lease. You can only surrender your lease if your landlord agrees to your doing so. They are under no obligation even to consider your request and are entitled to refuse. You cannot use this as an excuse not to pay your rent. Your landlord is most likely to agree to your surrendering the lease if they want the property back in order to redevelop it, or if they wants to rent it to what they regards as a better tenant or at a higher rent. There are two types of surrender: Express surrender in writing. This is a written document which sets out the terms of the surrender. Implied surrender by conduct. (applies to your position) You can move out of the property you leased, simply hand your keys back and the lease will come to an end, but only if the landlord agrees to accept your surrender. Many tenants have thought they can simply post the keys through the landlord's letter box and the lease is ended. This is not true and without a document from the landlord, not only do you not know if the landlord has accepted the surrender, you also do not know on what basis they have accepted and could find they sue you for rent arrears, service charge arrears, damage to the property and compensation for your attempt to leave the property without the landlord's agreement. Unless you are absolutely certain that the landlord is agreeable to your departure, you should not attempt to imply a surrender by relying on your and the landlord's conduct.  
    • finaldj
      80k debt

      By finaldj · Posted

      I had to deal with these last year worst DCA I have ever dealt with. Just wait for the constant threats of CCJ and how you'll lose in court and how they won't do mediation and they want the judge to question you with a load of "BIG" words to boot with the letter. My case was struck out in the end, stupidity on their part as I admitted to owing the debt in the end going through the court process was just a formality as they wouldn't let it drop despite me admitting the debt regardless. They didn't send the last part of the court paper work in so it ended up being struck out     .
    • FTMDave
      G24 anpr PCN - Double Dipping - Wigan Robin Retail Park

      By FTMDave · Posted

      Well, that's it then. Clear proof of the rubbish cameras. Clear proof of double dipping. G24 won't be getting a penny. Belt & braces, I would write to the address LFI has found, include the evidence of double dipping, and ask Fraser Group to call their dogs off.

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      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.

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      OT APPROVED, 365MC637, FAROOQ, EVRi, 12.07.23 (BRENT) - J v4.pdf
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Parcel delivery insurance is prohibited under section 57 – Consumer Rights Act – Read about It Here and in The Times.

Lowell Financial

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Bookworm

Bookworm

Posted
Posted

MSE people criticising CAG for supposedly "getting in bed" with a DCA? Now there's a (bitter) laugh.

 

Because MSE is (supposedly) unmoderated (it isn't!), you will find that any attempt to advise on bank charges, CCA compliance, debt, even consumer laws, gets flamed by people who know little, but are quite happt to take a "moral" stance, you know, the "well, you shouldn't have spent what you didn't have", or "you borrowed it, you have to pay it back" etc... the number of people who have come on here and found it a breath of fresh air so just not to get judged because they'd got in trouble, you'd be amazed!

 

MSE is sadly riddled with bank workers, undercover DCAs and other "financial advisors". :-(

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Bookworm

Bookworm

Posted
Posted

I had to have a nosey... Oh, how I laughed... :-D

 

Posting there, we have (that I can recognise): 2 users who threw their dummy out of the pram for being moderated. 2 users who left CAG under a big nasty cloud and are not welcome here in any form or shape. They are the ones slagging off CAG and leading the "go elsewhere" campaign.

 

We also have a small handful of people sitting on the fence, but only reading the postings from the 1st category, are (understandably!) concerned that CAG may have sold out (site team, I hope you'll be happy to hear that your pockets are being lined with DCA money, when you get paid, let me know, will you? :-D)

 

And finally, we have a couple of recognisable people who are firmly dismissing the above nonsense, including, and I salute him for it, Mr Ton, who I believe himself left CAG after disagreements and yet is not afraid to stand up for CAG values.

 

Oh, the comedy value. :razz:

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locutus

locutus

Posted
Posted
I had to have a nosey... Oh, how I laughed... :-D

 

Posting there, we have (that I can recognise): 2 users who threw their dummy out of the pram for being moderated. 2 users who left CAG under a big nasty cloud and are not welcome here in any form or shape. They are the ones slagging off CAG and leading the "go elsewhere" campaign.

 

We also have a small handful of people sitting on the fence, but only reading the postings from the 1st category, are (understandably!) concerned that CAG may have sold out (site team, I hope you'll be happy to hear that your pockets are being lined with DCA money, when you get paid, let me know, will you? :-D)

 

And finally, we have a couple of recognisable people who are firmly dismissing the above nonsense, including, and I salute him for it, Mr Ton, who I believe himself left CAG after disagreements and yet is not afraid to stand up for CAG values.

 

Oh, the comedy value. :razz:

*reads whilst pulling fence splinters out of bum*

 

Very well summed up bookie!

If in doubt, contact a qualified insured legal professional (or my wife... she knows EVERYTHING)

 

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MARTIN3030

MARTIN3030

Posted
Posted
I had to have a nosey... Oh, how I laughed... :-D

 

Posting there, we have (that I can recognise): 2 users who threw their dummy out of the pram for being moderated. 2 users who left CAG under a big nasty cloud and are not welcome here in any form or shape. They are the ones slagging off CAG and leading the "go elsewhere" campaign.

 

We also have a small handful of people sitting on the fence, but only reading the postings from the 1st category, are (understandably!) concerned that CAG may have sold out (site team, I hope you'll be happy to hear that your pockets are being lined with DCA money, when you get paid, let me know, will you? :-D)

 

And finally, we have a couple of recognisable people who are firmly dismissing the above nonsense, including, and I salute him for it, Mr Ton, who I believe himself left CAG after disagreements and yet is not afraid to stand up for CAG values.

 

Oh, the comedy value. :razz:

 

 

The MSE thread was started by the same person who was prolific in flaming and waging a dispuptive campaign here.You will see that the vast majority of the 4 pages of posts there are Wrinkleys own.

Nottingham Phil was also actively engaged in the same disruption.

Moderated posts were done so because it was needed,and also because the disruptions were taking up enormous amounts of team time.

 

Some of the things being alleged were totally unfounded,and these sorts of untruths can quickly fester into wider concerns for those who may believe them.

 

It is being suggested (or inferred) that the CAGs pockets are being lined by DCAs which is totally not true.

These are examples of some of those things that have to be addressed.

 

The MSE thread is very one sided,and does not reflect the truth of the matters.

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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Guest Cartaphilus

Guest Cartaphilus

Posted
Posted
CCA compliance, debt, even consumer laws, gets flamed by people who know little, but are quite happt to take a "moral" stance, you know, the "well, you shouldn't have spent what you didn't have", or "you borrowed it,
Yes, like I was a time ago; it did upset me at the time because I began to think WTF was going on, as I was just trying to give someone a helping hand when they obviously needed it. I think it was about a home visit from a DCA, someone had been scared to death by them at their door so I told them what to do. Next, someone really did lay into me. The thread was ultimately locked but I was just amazed with the vehemence behind it. I began to think what was going on TBH, as it got a little like being surrounded in a wagon at times for purely getting people to know they could do something about the rubbish they got off a DCA or creditor. However, I stuck it out over there and gave as much advice as I knew to give at the time because I felt it was worth something to the people who didn't know and maybe wouldn't know if no one told them. I know from reading follow up messages it did make a difference to them as well but also because they then had the ground tools with which to take control of their situation(s).

 

It was amazing to see how many didn't know they could challenge the enforceability of a credit agreement least of all. However, like anything else in life, you don't need to know something until you need to. Just having someone there who wasn't going to judge, attack them for being in debt and 'why did you do this and' ... it's all so very easy for some to speak until it happens to them and then they know the 'whys' and realize they will be treated no differently to anyone else whether they be a merchant banker or an ordinary soul on benefits once you get into the den of DCAs. Many were very grateful for it as well, because many (including myself at one point) were at the end of their tether and didn't know who to go or what do do next when the letters started coming. Most of those were very often directed to this forum, which I saw other members doing quite a lot.

 

I haven't bothered with it over there for a while, though. I think mostly it was because I could not really tolerate people being treated harshly when they should be being helped. By a minority as the site is clearly very good for what it is.

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locutus

locutus

Posted
Posted

LOL that reminds me of this

YouTube - Taking on the Banks 2 - Talking to a debt collector

If in doubt, contact a qualified insured legal professional (or my wife... she knows EVERYTHING)

 

Or send a cheque or postal order payable to Reclaim the Right Ltd.

to

923 Finchley Road London NW11 7PE

 

 

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MARTIN3030

MARTIN3030

Posted
Posted

Badger collections:lol:

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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MARTIN3030

MARTIN3030

Posted
Posted
Damnit Martin, you mean you are STILL not going to buy me a tin of caviar, courtesy of Lowell's? :razz:

 

 

Might stretch to 150g -they have gone up by 15uah since last year:eek:

 

You will have to wait till September though:wink:

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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spidey41

spidey41

Posted
Posted

i actually filed a complaint against lowlifes on friday with consumer direct , 8.45 monday i had a phone call from consumer direct and after a lengthy conversation was told they are passing my complaint about lowells to there trading standards dept , strike one to me

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angry cat

angry cat

Posted
Posted
i actually filed a complaint against lowlifes on friday with consumer direct , 8.45 monday i had a phone call from consumer direct and after a lengthy conversation was told they are passing my complaint about lowells to there trading standards dept , strike one to me

 

Good for you!

 

Please, also file a complaint about Lowell with the OFT.

You can download the complaint form from the OFT website.

 

The Lowell Group, must be brought to account;

they must comply with ALL guidelines, Rules & Regs!

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Bookworm

Bookworm

Posted
Posted

On a slightly different note, but still relating to the tangents on this thread, I finally worked out what Oilyrag was on about when he started having a go at me, it's an old thread from January peddling a load of bull from the lawful rebellion/freeman persuasion. There's a relief, now I can sleep happily. :razz: Hi, Pinky69, I can see you watching the thread, you may remember it too, it was about "templates" Nuke 'em was suggesting sending to DCAs, and you and I, amongst others were none too impressed. :razz:

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angry cat

angry cat

Posted
Posted

Quote:

Originally Posted by spidey41

i actually filed a complaint against lowlifes on friday with consumer direct , 8.45 monday i had a phone call from consumer direct and after a lengthy conversation was told they are passing my complaint about lowells to there trading standards dept , strike one to me

 

 

Good for you!

 

Please, also file a complaint about Lowell with the OFT.

You can download the complaint form from the OFT website.

 

The Lowell Group, must be brought to account;

they must comply with ALL guidelines, Rules & Regs!

 

Please, can we keep on track!

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Dotty50

Dotty50

Posted
Posted
Brilliant stuff that dummies guide!!;):D

 

Well thanks for that each.

 

Have to say that if I find info on here and others are looking for it, I strive to find the link and post it for ease.

 

Feel as though I have been put down by much more experienced people for just asking a question.

 

Dummies guide ......... here I come! :-o

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Bookworm

Bookworm

Posted
Posted
Lordy, Lordy!

the CAG member posted on this thread, Booky;

post #186.

Yes, I know. :rolleyes: But as I said, as this isn't HIS/HER origianl thread, then I suggest the place it to keep it on track would be on HIS/HER original thread and therefore your little admonition is also off-track in that respect. Savvy?

 

In other words: This thread has now gone so OT and all over the place that of anyone wants to have an on-topic convo about what they're up to, their thread is really where that info should be. No disrespect to the poster of #186 intended, incidentally. ;-)

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angry cat

angry cat

Posted
Posted
Considering that this isn't Spidey's thread, I'd suggest THAT would be the place to keep it "on track", AC. ;-)

 

Really, trying very hard to keep the thread on track, Booky!

 

For the avoidance of doubt, please re-read the OP's, first post:

http://www.consumeractiongroup.co.uk/forum/debt-collection-industry/266775-lowell-financial.html

 

And, post #8...

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