Jump to content


  • Tweets

  • Posts

    • Danny - point taken about the blue paragraphs.  Including them doesn't harm your case in any way.  It makes no odds.  It's just that over the years we've had judges often remarking on how concise & clear Caggers' WSs have been compared to the Encyclopaedia Britannica-length rubbish that the PPCs send, so I always have a slight preference to cut out anything necessary. Don't send off the WS straight away .. you have plenty of time ... and let's just say that LFI is the Contract King so give him a couple of days to look through it with a fine-tooth comb.
    • Do you have broadband at home? A permanent move to e.g. Sky Glass may not fit with your desire to keep your digibox,, but can you move the items you most want off the digibox? If so, Sky Glass might suit you. You might ask Sky to loan you a “puck” and provide access as an interim measure. another option might be using Sky Go, at least short term, to give you access to some of the Sky programming while awaiting the dish being sorted.
    • £85PCM to sky, what!! why are you paying so much, what did you watch on sky thats not on freeview?  
    • Between yourself and Dave you have produced a very good WS. However if you were to do a harder hitting WS it may be that VCS would be more likely to cancel prior to a hearing. The Contract . VCS [Jake Burgess?] are trying to conflate parking in a car park to driving along a road in order to defend the indefensible. It is well known that "NO Stopping " cannot form a contract as it is prohibitory. VCS know that well as they lose time and again in Court when claiming it is contractual. By mixing up parking with driving they hope to deflect from the fact trying to claim that No Stopping is contractual is tantamount to perjury. No wonder mr Burgess doesn't want to appear in Court. Conflation also disguises the fact that while parking in a car park for a period of time can be interpreted as the acceptance of the contract that is not the case while driving down a road. The Defendant was going to the airport so it is ludicrous to suggest that driving by a No Stopping  sign is tacitly accepting  the  contract -especially as no contract is even being offered. And even if a motorist did not wish to be bound by the so called contract what could they do? Forfeit their flight and still have to stop their car to turn around? Put like that the whole scenario posed by Mr Burgess that the Defendant accepted the contract by driving past the sign is absolutely absurd and indefensible. I certainly would not want to appear in Court defending that statement either. --------------------------------------------------------------------------------------------------------------------------------------------------------- I will do the contract itself later.
    • Yes - ignore. Because of another MET victim today I looked at all our MET cases back to June 2014 ... yes, 10 years. They have never dared take a motorist to court and argue their case before a judge.  They have started the odd court case, but as a means of trying to intimidate the motorist into coughing up, when the motorist defended and refused to give in it was MET who bottled it and discontinued.
  • Recommended Topics

  • Our picks

    • If you are buying a used car – you need to read this survival guide.
      • 1 reply
    • 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
      • 161 replies
    • 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
        • Like
  • Recommended Topics

Help withl lowell


cat26
style="text-align: center;">  

Thread Locked

because no one has posted on it for the last 4740 days.

If you need to add something to this thread then

 

Please click the "Report " link

 

at the bottom of one of the posts.

 

If you want to post a new story then

Please

Start your own new thread

That way you will attract more attention to your story and get more visitors and more help 

 

Thanks

Recommended Posts

Hi hoping some one can help me on this . I been recieving letters of this company have not respsonded at all , Now today letter saying its gone to Red recovery etc , now i have looked to on Equifax and this is for a creaction card which i opened in 1998 am sure i not paid them a penny in about 6 yrs , its says date last delinquent 06 / 05 then then updated in 2007 ? when i not paid a penny ? now i am very slow and naive at these things so if any one can help .. these people did used to ring me few years ago and had to change my landline as i got a sick child and the phone was ringing 5 times a day , .. so if any one could show me how to start to sort this with them ,, i am a carer to a sick child so money is very tight many thanks .. :razz:

Link to post
Share on other sites

  • Replies 95
  • Created
  • Last Reply

Top Posters In This Topic

Top Posters In This Topic

Personally, I would ignore them. This is close to being Statute Barred so they are taking a final punt at trying to get something back. If it is a credit card from 1998, there is probably no existing credit agreement or paperwork for them to take legal action.

Please support CAG and they will support you.

donate

Link to post
Share on other sites

Hi

 

Lowells/Red/Hampton legal are the same. Same staff sending out the letters.

 

Just send them a CCA request, which will mean they will have to go back to the original creditor to obtain it. If they can't get hold of it, they might just throw in the towell.

We could do with some help from you.

PLEASE HELP US TO KEEP THIS SITE RUNNING EVERY POUND DONATED WILL HELP US TO KEEP HELPING OTHERS

 

 Have we helped you ...?         Please Donate button to the Consumer Action Group

 

If you want advice on your thread please PM me a link to your thread

Link to post
Share on other sites

If no payment to or acknowledgement of this debt has been made in a period of 6 years it's statuet barred, it still exists and they can still chase you for it but cannot force you to pay it.

I'd wait a bit and see what they throw at you.

 

If your certain it's statute barred, you can send them a letter telling them this and that should be the end of the matter.

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

RIP: Rooster-UK - MARTIN3030 - cerberusalert

Link to post
Share on other sites

If no payment to or acknowledgement of this debt has been made in a period of 6 years it's statuet barred, it still exists and they can still chase you for it but cannot force you to pay it.

I'd wait a bit and see what they throw at you.

 

If your certain it's statute barred, you can send them a letter telling them this and that should be the end of the matter.

 

Does that mean they can chase you for it until you inform them that it is statute barred and you won't be paying and once you have informed them of that they can't chase you any longer?

Link to post
Share on other sites

Does that mean they can chase you for it until you inform them that it is statute barred and you won't be paying and once you have informed them of that they can't chase you any longer?

 

Yes.

 

The OFT Debt Collection Guidance states further that "continuing to press for payment after a debtor has stated that they will not be paying a debt because it is statute barred could amount to harassment contrary to section 40 (1) of the Administration of Justice Act 1970".

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

RIP: Rooster-UK - MARTIN3030 - cerberusalert

Link to post
Share on other sites

I would guess that Lowell are getting desperate and are trying to rake in every penny they can

A while back they chased me via BCW but after three months with insufficient paper work BCW sent my file back and now (Even though the account is in dispute) they have set Meritforce and Mackhall on to me :-(

Sit tight and follow the great advice/help you'll get

Good luck

R

[sIGPIC][/sIGPIC] I asked them to wait whilst I got my Bank card :violin:

------------------------------------------------------------------------------------------

 

Information that may help if a CCA request is refused due to the lack of a signature . . http://www.consumeractiongroup.co.uk/forum/showthread.php?248863-Signature-demands-fight-back-possible-!&highlight=

Link to post
Share on other sites

ok guys.. i going to listen to you and sit tight and wait and see what they do .... then come back and ask for more help when or if they try again ? .. the card is dated to 1998 .. so as its an old adams card am hoping no paperwork exists ,,, what do you think guys ?............. many thanks as well guy ,, cat

Link to post
Share on other sites

  • 2 weeks later...

Hi back again , got a nice letter from red debt collection today , saying they now have a copy of my credit file ? they are now passing my account to Hamiltons legal etc and may take more serious action if i dont pay , i can pay all of it with 30 % , of or £60 a month , now i dont have money to do either , i no this creation card was in 1998 , plus defaulted may 2005 .. i am a full time carer to a sick child plus not in great health myself i dont need these bullys on my back , so please please please what do i do now , i have not responded to any letters they have sent or called them nor am sure paid them anything fro most prob 6 yrs or very near that .. so any help guys on how to deal with this , many thanks again , cat xx

Link to post
Share on other sites

You say the card was taken out in 1998, and you defaulted or stopped paying in May 2005? If this is the case then it won't be SB until May next year.

 

Or have I misunderstood you? For it to be SB there has to be a clear period of six years, (5 in Scotland) where there has been no activity or acknowledgement on the account, so if you haven't paid them anything since 2004 say, then this will be SB.

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!

 

 

Link to post
Share on other sites

well all i am going on is dates on my credit file that i just looked at ...? so agreement took out 1998 .. this i agree with , but no way did i use i card till 2005 ? but that when the default was put on credit file ?ok coledog i will ignore but will be back to bother you when the next letter comes lol any one else with thoughts ? oh forgot i have 10 days only to accept there kind offer . lol many thanks again ........... cat x

Link to post
Share on other sites

If they are offering reductions it is more than likely unenforceable.......

 

imo

not necessarily. it seems standard practice for a dca to offer a 'discount' after a certain amount of 'unsuccessful' 'collection activity', regardless of whether there is an enforceable or not.

Link to post
Share on other sites

When do you remember using the card AND paying something toward it?

It sounds like it is SB or very close to it, if it was Moorcr@p chasing you, then it will be definite SB. The offer of a reduced settlement IS indicative of a lack of paperwork and enforceability, otherwise they would have taken legal action a very long time ago to claim the full amount plus fees and interest, the fact that a DCA or OC offers a discount can be seen as their failure to have the necessary enforceable documents.

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!

 

 

Link to post
Share on other sites

well , i will just wait till see what they do next . i think your most prob right that its sb or very near .Am, sure before the account was defaulted i had not paid in many months ... plus as its an old creation card . know i signed this is adams over 12 yrs ago am wondering would thay have any paper work as they have gone bust ?.. Thanlks cat x

Link to post
Share on other sites

Adams would just have passed on your application details to whoever administered the card on their behalf. Adams would not have had the paperwork to store.

 

Just keep ignoring. Wait to SB'd and then tell them to get lost.

We could do with some help from you.

PLEASE HELP US TO KEEP THIS SITE RUNNING EVERY POUND DONATED WILL HELP US TO KEEP HELPING OTHERS

 

 Have we helped you ...?         Please Donate button to the Consumer Action Group

 

If you want advice on your thread please PM me a link to your thread

Link to post
Share on other sites

....The offer of a reduced settlement IS indicative of a lack of paperwork and enforceability, otherwise they would have taken legal action a very long time ago to claim the full amount plus fees and interest, yes, it could be seen as such in this case.. the fact that a DCA or OC offers a discount can be seen as their failure to have the necessary enforceable documents. ...but, in general, not necessarily.

 

imo :-)

Link to post
Share on other sites

ps

just to add. in general, most dcas follow a set automated collection activity time line. starts off with the usual pay us in full or else. if no result it then goes to 'telephone activity'. if no result, the usual threatening 'template' letters follow as well as telephoning, and maybe a doorstepper, and so on. after some time, if no result, it eventually results in a template 'discount' offer letter near the 'end' of their 'activity'. if no result, then it may be legal action (if economically viable together with an enforceable), or back to o/c (if collecting), or ?

that's just the way it is. and they prob follow this auto activity regardless of whether or not it is enforceable, or whether or not it is in 'dispute'. if it is statute barred, then as maroondevo52 quotes, they should stop. yes, if they know for sure that it is not enforceable, and/or it is statute barred, then they prob won't go to court.

imo of course :-)

Edited by Ford
typo
Link to post
Share on other sites

ok then i will just sit and wait for more letters then ? then come back when next letter arrives ... ...do you think they will have the signed agreement from me still after all this time ? many thanks again ... cat x

Link to post
Share on other sites

  • 2 weeks later...

Ok here we go again !!! letter from lowells today , sending me Statement of my account ? what account never paid them a penny ! saying opening balance on of £428.32 1/10.2008 ? total payments received £0.00 fees and charges £ 0.00 , i looked on my credit file my account with creation was defaulted in 2005 , not paid a penny over 5 yrs so dont no what there going on about at all , also they have sent me a nice office of fair trading letter tell me who to contact about my debts etc . , this is a creation account 1st opened in 1998 , now do i carry on just blanking them or do i now send them a cca ? as i no i not paid this account in over 5 yrs and i no its very close to being S .B

Link to post
Share on other sites

Does that mean they can chase you for it until you inform them that it is statute barred and you won't be paying and once you have informed them of that they can't chase you any longer?

 

 

In theory you could be chased until the end of time itself but Statute Barred is a 100% defence against EVERYTHING ELSE.

 

You are NOT required to pay --although if you wanted to there is nothing to stop you from doing so.

 

I'd just tell them to Foxtrot Oscar, and ask them to confirm that the account is NOW CLOSED.

 

Cheers

jimbo

Link to post
Share on other sites

  • Recently Browsing   0 Caggers

    • No registered users viewing this page.

  • Have we helped you ...?


×
×
  • Create New...