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    • if you wish to put up everything like    your defence claimants WS defendants WS   then im sure those here now and future victims will find it of value   if you read upload carefully you'll see its best to upload each as a separate multipage PDF but ofcourse you'll have to redact each page as a jpg picture 1st before merging each to the relevant multipage pdf .   dx  
    • Thanks I’m happy to put something back ! I didn’t have the courage of my convictions to counter claim even though I was really quite proud of the thoroughness of my court bundle ! i really wanted the opportunity to get into the detail with the judge and felt quite cheated when it ended, but of course I realised that they had just moved on to their next victim  will watch this space 👍  
    • I have created your own topic for this as its import to have it own one but placed a link on the thread you posted on.   you should never counterclaim that exposes you to further cost and rarely succeeds esp if they disc' the claim always best to state in a sep letter you will be seeking costs esp loss of days wages at £90 which most judges allow.   as for an sar, its p'haps always better to issue a cpr 31:14 too or in replacement of, an sar.   well done on your important win
    • My wife has directed me to post on this thread as I have just successfully won against these charlatans   My hearing date was all set at my local court for 31st October 2019 all defence papers were filed and served and frankly I was really looking forward to it! This morning I received a letter from BW legal stating in a one line response that I was to take this letter as a notice of discontinuance whereby the claimant KBT (armtrac) discontinues all of the claim. I am beyond disappointed that I didn’t get my chance to see these idiots across a desk! And that’s it I don’t appear to be able to take this further? I now realise I should of had the courage of my convictions and faith in the advice of others to issue a counterclaim! What I have now in my possession is a file of information which would be Gold-dust to the next person in my position! I feel like I would be able to get some sort of closure if I could pass some of this wisdom on but there are many posters here already and every case is different in its own way The key points in my defence were as follows and useful to anyone ‘caught’ at Sandy Acres. Keep the original parking ticket you purchased and send a copy to KBT with a covering letter ASAP do not identify the driver at any stage of the process!!!!  The blue sign uses the word penalty which is contrary to the IPC codes of practice  The red and white sign has a café open sign in front of it  which obscures it from the drivers view both available to download via Google maps Check the date you receive NTK mine was 71 days Do an SAR and you will get back the pictures of the alleged offence in my case they were of such poor quality you could not tell which way up the ticket was in the photo and in no image they held was there a picture showing the ticket and the vehicle numberplate. They offered no other evidence. Pretty soon you will see the money is being sought escalate until they no longer match the figure on the NTK even if it is sent within 56 days When you see a breakdown of costs for the money being sought it will ultimately include legal costs, typically £60 that the solicitor knows cannot be recovered in Small Claims Court. Personally I am now considering reporting BW legal to the law society or solicitors ombudsman for being party to a process which is fundamentally dishonest, an abuse of process, and a complete waste of court resources?   i am happy to help anyone who needs assistance but rest assured that their case against you relies on you caving in and paying, they have no plan B but will try and make you doubt your ability to defend yourself.   Dont worry about small claims Court, it isn’t crown court, just an office with 3 desks and certainly less stressful than a job interview or meeting with the bank and less at stake.   I got to one week from my court date and they gave up!
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Ronnie1234

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

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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?

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Have you sent a CCA request?


Ex CAG helper ^_^

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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

 

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17 Port & Maritime Regiment RCT

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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:

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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

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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:

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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!

 

 

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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:

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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!

 

 

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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.


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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 .

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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?

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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

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Thanks. Thnk I will keep up payments until a bit closer to when leave starts, then send out a letter.

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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!

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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

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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.

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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.

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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.

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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!

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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?

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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?

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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

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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.

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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.

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