Jump to content



  • Tweets

  • Posts

    • When I go into MCOL the only document is the Defendant's Response from Sept 4th, there they state that they dispute the claim and then every space on the form states "see the email we send to the courts and N244 etc". (uploaded PDFs above).   So does the latest N244 and witness statement count as their defence? Feels like a complete abuse of process.
    • Thanks for replying DX.   Yes, It was over the 50% No, I didn't use your VT letter   The only thing I'm worried about, is the impact on my credit file, which until Link intervened was excellent.   What is the 'seby summary line'?  
    • Did you not receive a notice of sale before the auction, stating time and place of sale and your amount outstanding? Schedule 12 40(1)Before the sale, the enforcement agent must give notice of the date, time and place of the sale to the debtor and any co-owner. (2)Regulations must state— (a)the minimum period of notice; (b)the form of the notice; (c)what it must contain (besides the date, time and place of sale); (d)how it must be given.
    • Summary disposal /Judgment now without even submitting a defence....... they never intended submitting a defence with or without an agreed extension.   Evidence: applicants must identify the point of law or document to be relied on and state the grounds for making the application in accordance with CPR 24.2.   An application for summary judgment is usually only made once the defence or acknowledgement of service has been filed. Summary judgment applications are suitable in cases where the party making the application considers that the case is a clear cut matter of fact or law, in which oral evidence is not required. It is also used when the applicant considers that the other party has insufficient evidence to prove its case. There are considerable potential savings in terms of time and costs.   An application notice must be completed, then filed and served along with the supporting evidence - usually a witness statement together with copies of any supporting documents. The supporting evidence will set out the reasons why the applicant considers summary judgment to be appropriate.   The respondent also has an opportunity to rely on written evidence, which must be served in good time for the hearing.  
    • It goes on and on.   Did the bars staying open even hold water? This is in the article you linked to. My bolding. The regulations announced by Boris Johnson last Thursday state that “workplace canteens may remain open where there is no practical alternative for staff at that workplace to obtain food”.
  • Our picks

    • Ahmed Alwaheeb's firms sold cars riddled with faults – and which sometimes had government recall notices. https://www.consumeractiongroup.co.uk/topic/427369-ahmed-alwaheebs-firms-sold-cars-riddled-with-faults-%E2%80%93-and-which-sometimes-had-government-recall-notices/&do=findComment&comment=5071860
      • 3 replies
    • @curryspcworld @TeamKnowhowUK - Samsung 75 8K TV - completely broken by Currys. https://www.consumeractiongroup.co.uk/topic/426151-samsung-75-8k-tv-completely-broken-by-currys/&do=findComment&comment=5069075
      • 8 replies
    • @skinnyfoodco Skinny Foods. https://www.consumeractiongroup.co.uk/topic/426130-skinny-foods/&do=findComment&comment=5068996
      • 8 replies
    • I’m in desperate need of help
       
      I bought some clothes online in may through Evans and paid through PayPal
      returned them all seven days later
       
      I waited the 14days for my refund and no refund came
      I put in a dispute through PayPal but I didn’t get any emails to escalate the case - PayPal closed it. 
      evans said they couldn’t refund the money because PayPal have cancelled the refund because of the open dispute
       
      I contacted PayPal
      they said the dispute had been closed but Evans at no point had attempted a refund.
      fast forward to today
       
      I’ve got copies of numerous messages sent to and from twitter messages as it’s the only way I can contact them
      I’ve also contacted their customer service too
      all I get is PayPal have cancelled refund because dispute is still open.
       
      I have proved that the dispute is closed
      I have got an email saying that if Evans sent the refund they would accept it
      but up until the date I got the email they have not once attempted a refund .
       
       I have sent them a letter before court email
      I have even offered to have the full refund as a gift card just to get this sorted !
       
      I’m literally at the end of my tether and don’t know where to turn next !
       
      i suffer with mental health issues and this is affecting my health and I’d saved the money for a year to buy these clothes as I’m on a low income .

Lowells a few months ago chasing a debt of £334.56 from Redcats Finance


Please note that this topic has not had any new posts for the last 3243 days.

If you are trying to post a different story then you should start your own new thread. Posting on this thread is likely to mean that you won't get the help and advice that you need.

If you are trying to post information which is relevant to the story in this thread then please flag it up to the site team and they will allow you to post.

Thank you

Recommended Posts

I received letters from Lowells a few months ago chasing a debt of £334.56 from Redcats Finance. I sent numerous proove it letters which firstly they didn't respond to.

 

They have now responded with a letter saying that Lowells purchased the debt from Redcats Finance. The letter then goes on to say they have included statements as per my request. There iis then a load of photocopies of statements included.

 

I didn't request statements in my proove it letter!

 

How should I respond?

Link to post
Share on other sites
  • Replies 66
  • Created
  • Last Reply

Top Posters In This Topic

Have you sent a CCA request? If not send one.

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

Link to post
Share on other sites

SAM:pLOWELL DETESTER.

 

SO PROUD OF MY AVATAR,THAT TOOK ME WEEKS TO WORK OUT HOW TO GET ONE.:lol:

 

PLZ CLICK MY SCALES IF YOU LIKE WHAT I SAY.

OR IF I HAVE HELPED IN ANY WAY.:smile:

Link to post
Share on other sites

 

Yes that is what I sent. Prob about 3 times over last 6 months or so they been writing to me.

Not CCA requested yet

Link to post
Share on other sites

so you have been requesting proof for 6 month,.:deadhorse:with lowell.

 

defo

cca request time

SAM:pLOWELL DETESTER.

 

SO PROUD OF MY AVATAR,THAT TOOK ME WEEKS TO WORK OUT HOW TO GET ONE.:lol:

 

PLZ CLICK MY SCALES IF YOU LIKE WHAT I SAY.

OR IF I HAVE HELPED IN ANY WAY.:smile:

Link to post
Share on other sites

Lowlifes think that sending you a stack of statements proves you owe this alleged debt!:lol:

 

Does any of it look familiar? Or is it something a ten year old could knock with their crayons?

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

James has been absent for weeks now,maybe his new hobby to pass the time till he feels ready to post his/her "help" again:typing:

SAM:pLOWELL DETESTER.

 

SO PROUD OF MY AVATAR,THAT TOOK ME WEEKS TO WORK OUT HOW TO GET ONE.:lol:

 

PLZ CLICK MY SCALES IF YOU LIKE WHAT I SAY.

OR IF I HAVE HELPED IN ANY WAY.:smile:

Link to post
Share on other sites

I do hope he/she comes back and gives us all a giggle....

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
I do hope he/she comes back and gives us all a giggle....

 

Words, horse and flogging come to mind !!!!

 

It must just have been an experiment, to see whether they could try to resolve any issues via these forums.

 

I suspect because it did not were here, it won't be used again.

 

They also contributed to other forums, who were more receptive, but have not posted again.

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

You mean :deadhorse:

 

Elsa x

PLEASE NOTE... I AM MOST SORRY BUT I HAVE VERY LIMITED AVAILABILITY AT THE MOMENT DUE TO EXTREME PRESSURE OF WORK - IF YOU REQUIRE URGENT HELP ON YOUR THREAD AND ARE GETTING NO RESPONSE PLEASE HIT THE TRIANGLE FOR SITE TEAM ASSISTANCE. ELSA XXX

 

Please check out my BLOG for the quick guide to debt threats - it has all the info & letter template links you need to get started on your journey of TAKING CONTROL. :roll:

 

All opinions are my own based on research. I am not legally qualified, if in doubt please consult a legal expert.

Hope this has helped or made you smile. Keep your chin up, you're among friends now! Elsa xxx

Please click the *star* of any CAG member who has helped you .

Link to post
Share on other sites
  • 4 months later...

If you are going on maternity leave, whereby your pay will be a small amount compared to your usual salary, is there a way of writing to the creditors explaining this and asking for reduced monthly payments for a period?

Link to post
Share on other sites

If you are asked to deal with any matter via private message, PLEASE report it.

Everything I say is opinion only. If you are unsure on any comment made, you should see a qualified solicitor

Please help CAG. Order this ebook. Now available on Amazon. Please click HERE

Link to post
Share on other sites

What does this part of letter mean:

 

If interestautolinker.com autolinking image or other charges are being added to the account, we would be grateful if you would freeze these so our debt does not increase.

 

Is that the companies that operate the interest percentages!

Link to post
Share on other sites
What does this part of letter mean:

 

If interestautolinker.com autolinking image or other charges are being added to the account, we would be grateful if you would freeze these so our debt does not increase.

 

Is that the companies that operate the interest percentages!

 

Ahh. Don't worry, that's a glitch

 

autolinker.com autolinking image

 

That should have linked to another page if clicked but it don't work anymore so just delete it from the letter as it's not needed

If you are asked to deal with any matter via private message, PLEASE report it.

Everything I say is opinion only. If you are unsure on any comment made, you should see a qualified solicitor

Please help CAG. Order this ebook. Now available on Amazon. Please click HERE

Link to post
Share on other sites

E-mailed all my catalogues last night explaining pregnancy and offering £10 a month. Had one response from Next which was:

 

Thank you for your email regarding the payment proposals on your Next Directory Account.

 

Unfortunately the proposals of £10.00 per month are not acceptable and the minimum we can accept is £41.00 per month. Should you be able to a commit to this amount then please advise in order to set up the Reduced Payment Arrangement on your account. Please be aware that if we set an arrangement on your account it will be noted on your Credit Reference file ,and no further orders will be allowed during the term of the arrangement.

Link to post
Share on other sites

If that's their attitude and they are going to give you a mark on your credit report for being honest and not just ceasing payments, tell them to stuff it, it's £10 and that's your final offer. Just send them the tenner and keep up payments, you have nothing to lose.

Link to post
Share on other sites

Received a response from Fashion world:

 

We note your comments, however, we cannot accept your offer of £10.00 every

28 days.

 

In light of your circumstances, we will accept reduced payments at £44.00

every 28 days.

 

Your account will be placed on a payment arrangement, as a temporary

measure to help you whilst you are experiencing financial difficulties once

you make your first payment. Payment must be made by credit/debit card on

the telephone number below.

 

and a response from Crazy Clearance:

 

Thank you for your recent email.

 

We note your comments, however, we cannot accept your offer of £10.00 every

28 days.

 

In light of your circumstances, we will accept reduced payments at £19.00

every 28 days.

 

Your account will be placed on a payment arrangement, as a temporary

measure to help you whilst you are experiencing financial difficulties once

you make your first payment. Payment must be made by credit/debit card on

the telephone number below.

 

They must work out the payments based on the outstanding balance. But these amounts aren't much different to my current monthly payments, my current with Fashion World is £46 a month and this month with Crazy Clearance is £19.00 a month

 

Also they don't confirm that they will stop interest being added.

Link to post
Share on other sites

Only The Brilliant Gift Shop have agreed to my letter.

 

Jacamo said: We note your comments, however, we cannot accept your offer of £10.00 every

28 days.

 

In light of your circumstances, we will accept reduced payments at £52.00

every 28 days.

 

Viva la Diva have said: We note your comments, however, we cannot accept your offer of £10.00 every

28 days.

 

In light of your circumstances, we will accept reduced payments at £41.00

every 28 days.

 

These payments are ok at the moment, but not when only receiving £125 Stat Maternity Pay.

 

Am wondering if should dispute these payments now, or pay these for next 6 months, then explain that I can literally only afford £10 a month per creditor when receiving £125 a week!

Link to post
Share on other sites

I e-mailed the various catalogues saying that they have only offered me payments that are approx £4 - £7 less than what I am already paying. They came back and said that's the offer that's available at the moment!

 

Should I go along with this until I'm actually on maternity leave or dispute?

Link to post
Share on other sites

I e-mailed the various catalogues saying that they have only offered me payments that are approx £4 - £7 less than what I am already paying. They came back and said that's the offer that's available at the moment!

 

Should I go along with this until I'm actually on maternitylink3.gif leave or dispute?

Link to post
Share on other sites

Hi

I think that while you can maintain payments, do so. You have forewarned them that your income will drop and if they refuse to help when the time comes, I think you would have good grounds for complaint

If you are asked to deal with any matter via private message, PLEASE report it.

Everything I say is opinion only. If you are unsure on any comment made, you should see a qualified solicitor

Please help CAG. Order this ebook. Now available on Amazon. Please click HERE

Link to post
Share on other sites
Hi

I think that while you can maintain payments, do so. You have forewarned them that your income will drop and if they refuse to help when the time comes, I think you would have good grounds for complaint

Thank you. That's what I was thinking, then write to them again in 5/6 months time explaining my income has dropped and a new agreement needs to be reached.

Link to post
Share on other sites

Have agreed payments with most creditors so far, for six months, that takes me to August, by which point I will be on maternity pay and unable to meet these payments for nine months until I return to work part time, I will write to them again about a month before the six months is up.

Link to post
Share on other sites
  • Recently Browsing   0 Caggers

    No registered users viewing this page.


  • Have we helped you ...?


×
×
  • Create New...