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    • Hello dx100uk, After months of waiting for a response I finally got a reply and I must say it was the worst 4 months of my life the - fear of the unknown. So, they wrote back and said I was in the wrong BUT on this occasion they  would not take action but keep me on file for the next 12 months. It. was the biggest relief of my life a massive weight lifted -  I would like to thank you and the team for all your support
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    • Yup, for goodness sake she needs to stop paying right now, DCA's are powerless, as .  Is it showing on their credit file? Best to use Check my file. All of the above advice is excellent, definitely SAR the loan company as soon as possible.
    • Hi all, I am wandering if this is appealable. It has already been through a challenge on the Islington website and the it was rejected. Basically there was a suspended bay sign on a post on Gee st which was obscured by a Pizza van. The suspension was for 3 bays outside 47 Gee st. I parked outside/between 47 & 55 Gee st. I paid via the phone system using a sign a few meters away from my car. When I got back to the car there was a PCN stuck to the windscreen which I had to dry out before I could read it due to rain getting into the plastic sticky holder.  I then appealed using the Islington website which was then rejected the next day. I have attached a pdf of images that I took and also which the parking officer took. There are two spaces in front of the van, one of which had a generator on it the other was a disabled space. I would count those as 3 bays? In the first image circled in red is the parking sign I read. In the 2nd image is the suspension notice obscured by the van. I would have had to stand in the middle of the road to read this, in fact that's where I was standing when I took the photo. I have pasted the appeal and rejection below. Many thanks for looking. ----------------------------------------------------------------------- This is my appeal statement: As you can see from the image attached (image 1) I actually paid £18.50 to park my car in Gee st. I parked the car at what I thought was outside 55 Gee st as seen in image 2 attached. When I read the PCN issued it stated there was a parking suspension. There was no suspension notice on the sign that I used to call the payment service outside number 55 Gee st. I looked for a suspension notice and eventually found one which was obscured by a large van and generator parked outside 47 Gee st. As seen in images 3 and 4 attached. I am guessing the parking suspension was to allow the Van to park and sell Pizza during the Clerkenwell design week. I was not obstructing the use or parking of the van, in fact the van was obstructing the suspension notice which meant I could not read or see it without prior knowledge it was there. I would have had to stand in the road to see it endangering myself as I had to to take images to illustrate the hidden notice. As there was no intention to avoid a parking charge and the fact the sign was not easily visible I would hope this challenge can be accepted. Many thanks.   This is the text from the rejection: Thank you for contacting us about the above Penalty Charge Notice (PCN). The PCN was issued because the vehicle was parked in a suspended bay or space. I note from your correspondence that there was no suspension notice on the sign that you used to call the payment serve outside number 55 Gee Street. I acknowledge your comments, however, your vehicle was parked in a bay which had been suspended. The regulations require the suspension warning to be clearly visible. It is a large bright yellow sign and is erected by the parking bay on the nearest parking plate to the area that is to be suspended. Parking is then not permitted in the bay for any reason or period of time, however brief. The signs relating to this suspension were sited in accordance with the regulations. Upon reviewing the Civil Enforcement Officer's (CEO's) images and notes, I am satisfied that sufficient signage was in place and that it meets statutory requirements. Whilst I note that the signage may have been obstructed by a large van and generator at the time, please note, it is the responsibility of the motorist to locate and check the time plate each time they park. This will ensure that any changes to the status of the bay are noted. I acknowledge that your vehicle possessed a RingGo session at the time, however, this does not authorize parking within a suspended bay. Suspension restrictions are established to facilitate specific activities like filming or construction, therefore, we anticipate the vehicle owner to relocate the vehicle from the suspended area until the specified date and time when the suspension concludes. Leaving a vehicle unattended for any period of time within a suspended bay, effectively renders the vehicle parked in contravention and a Civil Enforcement Officer (CEO) may issue a PCN. Finally, the vehicle was left parked approximately 5 metres away from the closest time plate notice. It is the responsibility of the driver to ensure they park in a suitable parking place and check all signs and road markings prior to leaving their vehicle parked in contravention. It remains the driver's responsibility to ensure that the vehicle is parked legally at all times. With that being said, I would have to inform you, your appeal has been rejected at this stage. Please see the below images as taken by the CEO whilst issuing the PCN: You should now choose one of the following options: Pay the penalty charge. We will accept the discounted amount of £65.00 in settlement of this matter, provided it is received by 10 June 2024. After that date, the full penalty charge of £130.00 will be payable. Or Wait for a Notice to Owner (NtO) to be issued to the registered keeper of the vehicle, who is legally responsible for paying the penalty charge. Any further correspondence received prior to the NtO being issued may not be responded to. The NtO gives the recipient the right to make formal representations against the penalty charge. If we reject those representations, there will be the right of appeal to the Environment and Traffic Adjudicator.   Gee st pdf.pdf
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Lowell Claimform - old Very CAt 'debt' ***Claim Dismissed***


masie123
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Hi

i have the 3 above catalogue`s ,

Very(£2000) since 1999

Gus£600) since 1997 and

Additions(£1000) since 2004

 

i have always paid every thing on time except for now

-i simply cannot afford them :-(

 

i have already asked to make a token payments and to freeze interest and was told "NO" you agreed to pay back as set out in the CCA that i signed !

 

Last week i sent the 3 catalogue`s a CCA request and as they were all being posted to the same address i put all 3 postal order's in 1 letter(sent recorded)

 

 

today i have received a CCA back from GUS which is blank ?

and it 2 separate letters they are saying if i want my CCA for the other 2 accounts i need to send a £1 postal order (x2) ? (i already have)

 

I would like to know should i just re send another 2 postal orders off this time separate and what do i do about a blank CCA ? thankyou

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Hi and welcome to CAG

 

Once the 12 working days are up (if they're not already) and put the accounts into dispute but also put in your letter that you did send the other postal orders and what have they done with them. Check your receipts from the post office for the postal order numbers. They may have put the other two orders towards your debt and if they have, demand they remove the payments and put them to the use you wrote to them about.

 

Just because they say NO to your token payments doesn't mean that you can't send them. As you won't be able to make full payments, they will screw your credit file for the next 6 years but hey, you don't want more credit-do you!

 

If you haven't looked in the library, do so. There is a wealth of letters there to help you.

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

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  • 5 months later...

Hi,

i am back for some more advice please,

 

 

i received blank CCa's off Additions direct and gus

 

 

i wrote and told VERY that i had the proof that i had sent the postal orders off and got a reply saying i still owed blah blah blah!

 

 

i wrote off to all them and disputed it

Ive had no contact since June 2011

 

 

today ive received a letter off Lowell Portfolio L Ltd saying my very account debt has been sold to them on 5/8/11 and they want payment of £2145.67 (interest still getting added and £12 fees )

any advice please ?

 

 

i still have not received my CCA request off very as they say i still need to pay £1 postal order ?

 

 

thanks

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Well you are on solid ground here, if lowlifes have bought these lemons your laughing all the way to the bank!

 

Send Lowlifes this letter, 2nd class BUT you MUST obtain "Proof of Posting" from the PO counter which is free.

http://www.consumeractiongroup.co.uk/forum/content.php?426-A-letter-when-the-account-has-been-passed-to-another-debt-collection-agency

 

Have you checked with the PO to see if your postal orders have been cashed?

 

If they have then someone somewhere is taking the michael, and if you were to push this hard enough they could be committing an act of fraud.

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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Thanks for your advice and ive printed up the letter ready to post in the morning,regarding the postal order receipts do i just give them to the post office cashier and she will be able to tell me if they have been cashed?

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I think there is a number you can ring, but true to form I haven't got it!

Hopefully someone else might be able to tell you.

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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Hi,again

i sent the above letter off (from the link above

)i telephoned this number 01246 542500 and they checked my postal order's and sure enough they have cashed my £1 postal order's and told me they never received them so they withheld two separate CCA requests and sold my debt on to Lowell !

 

 

should i wait until Lowell write back to me and see what they say ?

 

 

thanks to anyone who can help .

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Sorry can you just explain that?

 

Your PO's have been cashed?

 

Who has said they didn't receive them?

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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Sorry can you just explain that?

 

Your PO's have been cashed?

 

Who has said they didn't receive them?

 

What i mean is i asked all 3 catalogues for my CCA and sent X3 £1 postal orders

 

 

very wrote back saying they had received my CCA request letter

but i need to pay the £1 fee to get it.

 

 

I wrote to very and said i had already sent the postal orders and put my account in dispute,

 

 

Now for some reason very has sold my debt to lowell even though my account is in dispute .

 

 

i checked today and was told that they had all been cashed so infact they had received my postal orders but not sent me a CCA request !

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Game over you WIN!!

 

http://www.consumeractiongroup.co.uk/forum/content.php?426-A-letter-when-the-account-has-been-passed-to-another-debt-collection-agency

 

Send them that, and any other clown who wants to fleece you.

 

You sent a lawful request for the agreement, they have failed, and cashed you PO's in the process, so in theory you could demand that £3 back, or you will report them for theft/fraud/idiocy/immaturity/ and down right dick dastardliness :fencing:

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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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Agreed it is wishful thinking, they will of course deny that they have failed to produce anything, I would expect them to go back to the OC with that letter, and for them to suddenly produce a recon version....but lets wait and see..

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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  • 5 years later...

Sorry to bump up my old thread,but i really really need some advice.

 

I have received numerous letter off Lowell regarding my very debt [which i ignored]

 

last 3 month i received a court letter,

i filled it in online explained that there is no signed cca and i dont reconize this debt £2500 .

 

Got a reply back off court saying the judge had read both defences and as allocated the claim to the small claims track.

 

It goes on to say the court believes this case is suitable to mediation,

when i telephoned up the mediation line i explained no signed cca the lady said well theres no point in mediation!!!

 

Has the law changed that no signed cca you can still be taken to court?

 

Im at a complete loss here the court date is set for 7th feb .

 

any advice please.?

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Hi

I have to say that you have left this to the last minute to get help. I am going to move this thread to the legal issues section and hopefully one of the experts will be able to assist you.

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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Lets start from the beginning then we have the information to hand from the missing months.

 

Please read the following link and then copy and paste the the Qs and your responses back here.

 

http://www.consumeractiongroup.co.uk/forum/showthread.php?419198-You-have-received-a-Claim-What-you-need-to-do.-**UPDATED-2016**

 

Regards

 

Andy

We could do with some help from you.

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Information as asked for .

 

Name of the Claimant ? Lowell

Date of issue – 30th September

What is the claim for – the reason they have issued the claim?

1] the defendant entered into a consumer credit act 1974 regulated agreement with shop direct under account refrence --------------

2] the defendant failed to maintain the required payments and a default notice was served and not compiled with.

3] the agreement was later assigned to the claiment on 14/09/12 and notice given to the defendant.

4] despite repeated requests for payment the sum of £1900 remains due and outstanding

and the claimant claims

a] the sum of £1900

b]interest pursuant to s69 county courts act 1984 at the rate of 8% per annum from the date of assignment to the date of issue,accuring at a daily rate of £0.398,but limited to one year,

c] costs

What is the value of the claim? £1900

Is the claim for a current account (Overdraft) or credit/loan account or mobile phone account? CAT DEBT VERY

When did you enter into the original agreement before or after 2007? before around 2004

 

Has the claim been issued by the original creditor

or was the account assigned and it is the Debt purchaser who has issued the claim. yes lowell not shop direct

Were you aware the account had been assigned – did you receive a Notice of Assignment? i think so yes

Did you receive a Default Notice from the original creditor? I do not know?

Have you been receiving statutory notices headed “Notice of Default sums” – at least once a year ? I dont think so

 

Why did you cease payments? i had a lot of debt couldn't afford it

 

What was the date of your last payment? not sure december 2010

 

Was there a dispute with the original creditor that remains unresolved? yes they sent me a blank cca and i put the account in default,they sold it to lowell not long after .

Did you communicate any financial problems to the original creditor

and make any attempt to enter into a debt managementlink3.gif plan? Yes i asked to pay £1month token payment was told no.

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Thanks masie

 

I assume you have had your Notice of Allocation..this contains the courts directions for the claim to proceed.Have you prepared your disclosures and witness statement ?

 

Can we have a copy of the defence you submitted ...verbatim.

 

Regards

 

Andy

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 OTHER

 

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Hi,

ive had a letter saying that judge had looked at the claim and recommends mediation.

However talking to a lady at mediation she said its used to pay back money and as i have no signed cca this is pointless?

 

Regarding my defence

im ashamed to say ive messed up big time,

i said that there was no signed cca and that i acknowledged no debt, that's the bee all and end all of it.

Terrible when i think about it.

Ive had no Internet for a long while so i couldn't come on here to get help.

 

Again ive prepared no disclosure or witness statements as im above my head with it all,

i really don't know what to do.

Any help please thank you

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Okay so your next stage is to send your disclosures and witness statement to the court and claimants solicitor by the the dates stated...normally 14 days before the hearing. (7th Feb 2017) so should be by or around 26th Jan.

We could do with some help from you.

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Okay so your next stage is to send your disclosures and witness statement to the court and claimants solicitor by the the dates stated...normally 14 days before the hearing. (7th Feb 2017) so should be by or around 26th Jan.

 

Thank you for your time.

Im going to have to admit i don't know what a disclosure is or witness statement, bearing this in mind im wondering whether to offet them £1 month payment and hopefully end it all, im really in too deep i think.

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Thank you for your time.

Im going to have to admit i don't know what a disclosure is or witness statement, bearing this in mind im wondering whether to offet them £1 month payment and hopefully end it all, im really in too deep i think.

 

Then read up here and learn and look at how others have been assisted and following our advice and guidance have got the claimants to discontinue.

 

Im afraid the days of £1 per month have ended..a CCJ will be placed on your file for 6 years and a monthly figure will be set in accordance with your Income.

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 OTHER

 

Have we helped you ...?         Please Donate button to the Consumer Action Group - The National Consumer Service

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

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might not be a bad idea to send to send a new CCA request and a CPR off

even at this late stage? if you haven't sent these since you got the claimform?

 

get a CCA Request running to the claimant

get a CPR 31:14 request running to the solicitors

.

don't sign anything

leave the £1PO blank and uncrossed

 

def dec 2010 last payment?

if it were a few month previous..then this could be statute barred?

please don't hit Quote...just type we know what we said earlier..

DCA's view debtors as suckers, marks and mugs

NO DCA has ANY legal powers whatsoever on ANY debt no matter what it's Type

and they

are NOT and can NEVER  be BAILIFFS. even if a debt has been to court..

If everyone stopped blindly paying DCA's Tomorrow, their industry would collapse overnight... 

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