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    • I apologise if I was being unclear. Where it currently stands is that they will have it repair, placing scaffolding in our garden for 5 days. They have moved fast, but we will still have to postpone our contractors, meaning, we won't necessarily have the work done in time for the wedding and therefore will incur additional expenses for either a marquee or a wedding venue. They are vehemently against having any kind of liability in any regard but continue repeating that they are legally entitled to use our garden for their repairs (I believe this is true unless the work can be carried out using a cherry picker). The neighbour seems either indifferent or oblivious to the fact they can't reach all of the side of the roof from the space where they can place the scaffolding. They have asked their roofer of choice about using a cherry picker but the roofer has said it wasn't possible. It's not clear whether the roofer doesn't want to use a cherry picker or whether there is an issue with it. They have told us it is a problem that we are installing a gazebo as it will prevent them to access their roof from our garden in the future?!?  
    • Couldn't agree more, really wanted a true ruling on this just for the knowledge but pretty sure the Judge made some decisions today that he didn't need to?.. maybe they all go this way on the day? We hear back so few post court dates I'm not sure. Each Judge has some level of discretion. Their sol was another Junior not even working at their Firm, so couldn't speak directly for them! that was fortunate I think because if she would have rejected in court better, she might have  been able to force ruling, we are at that point!, everybody there!!, Judge basically said openly that he can see everything for Judgement!!!  but she just said "I can speak to the claimant and find out!" - creating the opportunity for me to accept. I really think the Judge did me a favor today by saying it without saying it. Knowing the rep for the sol couldn't really speak to the idea in the moment. Been to court twice in a fortnight, on both occasions heard 4 times with others and both of my claims, the clerk mention to one or both parties "Letting the Judge know if you want to have a quick chat with each other"! So, it appears there's an expectation of the court that there is one last attempt at settling before going through the door. So, not a Sol tactic, just Court process!. Judge was not happy we hadn't tried to settle outside! We couldn't because she went to the loo and the Judge called us in 10 minutes early! - another reason to stand down to allow that conv to happen. Stars aligned there for me I think. But yeh, if the sol themselves, or someone who can make decisions on the case were in court, I would have received a Judgement against today I think. She was an 'advocate'.. if I recall her intro to me correctly.. So verbal arguments can throw spanners in Court because Plinks dogs outsource their work and send a Junior advocate.
    • that was a good saving on an £8k debt dx
    • Find out how the UK general elections works, how to register to vote, and what to do on voting day.View the full article
    • "We suffer more in imagination than in reality" - really pleased this all happened. Settled by TO, full amount save as to costs and without interest claimed. I consider this a success but feel free to move this thread to wherever it's appropriate. I say it's a success because when I started this journey I was in a position of looking to pay interest on all these accounts, allowing them to default stopped that and so even though I am paying the full amount, it is without a doubt reduced from my position 3 years ago and I feel knowing this outcome was possible, happy to gotten this far, defended myself in person and left with a loan with terms I could only dream of, written into law as interest free! I will make better decisions in the future on other accounts, knowing key stages of this whole process. We had the opportunity to speak in court, Judge (feels like just before a ruling) was clear in such that he 'had all the relevant paperwork to make a judgement'. He wasn't pleased I hadn't settled before Court.. but then stated due to WS and verbal arguments on why I haven't settled, from my WS conclusion as follows: "11. The Defendant was not given ample evidence to prove the debt and therefore was not required to enter settlement negotiations. Should the debt be proved in the future, the Defendant is willing to enter such negotiations with the Claimant. "  He offered to stand down the case to give us chance to settle and that that was for my benefit specifically - their Sols didn't want to, he asked me whether I wanted to proceed to judgement or be given the opportunity to settle. Naturally, I snapped his hand off and we entered negotiations (took about 45 minutes). He added I should get legal advice for matters such as these. They were unwilling to agree to a TO unless it was full amount claimed, plus costs, plus interest. Which I rejected as I felt that was unfair in light of the circumstances and the judges comments, I then countered with full amount minus all costs and interest over 84 months. They accepted that. I believe the Judge wouldn't have been happy if they didn't accept a payment plan for the full amount, at this late stage. The judge was very impressed by my articulate defence and WS (Thanks CAG!) he respected that I was wiling to engage with the process but commented only I  can know whether this debt is mine, but stated that Civil cases were based on balance of probabilities, not without shadow of a doubt, and all he needs to determine is whether the account existed. Verbal arguments aside; he has enough evidence in paperwork for that. He clarified that a copy of a DN and NOA is sufficient proof based on balance of probabilities that they were served. I still disagree, but hey, I'm just me.. It's definitely not strict proof as basically I have to prove the negative (I didn't receive them/they were not served), which is impossible. Overall, a great result I think! BT  
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Lowell Group Chasing for Capital One


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Hi everyone, I need your help people.

 

I have Lowell Group chasing me for a credit card account I had with Capital One as a student.

They have stated that an amount of £329 is outstanding which dates back to 2004,I cant rightly remember if I paid this off as its been so long.

 

Thanks to this amazing site ,I found that I could send a Status barred letter which I did by recorded delivery 2 weeks ago.

 

I have now received a letter from them stating that its not "status barred" on the basis that I made a payment of £164.51 towards the account in June 2006 ( again I cannot remember making this payment).

 

What do I do now, am I allowed to ask for proof of this payment? They are citing the Limitation Act 1980 to recover the payment. Pls help!

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Hello and Welcome,

 

I'd send a Subject Access Request to Cap 1, this will let you know the score regarding payments made on the account also charges applied to it which can be reclaimed.

 

I've moved this thread to the Debt Collectors Forum.

 

Regards.

 

Scott.

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.

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I'd write back to Lowells and inform them that they need to prove the payment was from you and not one of the many "phantom" payments they seem to make up.

 

An SAR to Cap 1 will cost you £10 but is well worth it, there may also be fees and charges which could be reclaimed.

 

I would also recommend a check of the dreaded CRA just to make sure Lowells haven't trampled all over your credit file.

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Thanks guys for the prompt answers,I will now send another letter to Lowell to provide proof of payment as suggested, will this stop them from actively chasing me and taking any action until they have responsed to my query?

 

Also do I make them aware that I have requested a SARS from Cap 1?

 

This also probably will come across a bit stupid but where do I get the template for SAR pls?

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Hi,

You want to be knowing-When-Where and by what means this 'alleged' payment was made and absolute proof of such.

 

Lowells have been known to say "An attempted payment was made on XX/XX/XX" This means nothing

 

SAR templates HERE Section 2

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

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Thank you very much,I will be sending the 2 letters by recorded delivery tomorrow and I will update as soon as I receive any correspondence from them. Thanks once again.

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  • 2 months later...

Hi all,Just to update on this issue...I have been away on holiday and just got back to a letter from Cap1 regarding my request for subject access. They said they are unable to locate any account relating to me at all and want all addresses I have lived at for the last 6 years. I havent sent this information yet, however a couple of days after the letter from Cap1, Lowell wrote to me to advice that they received a letter from CAP1 stating they have checked their record and can confirm that a payment was received by standing order for the amount of £164.51 paid from a Natwest account ( they gave sort code and account ending nubmber, I cant even remember if I held any Natwest account).My question is Cap1 have not provided me the information I requested for under Subject Access and are still waiting for me to reply with details of my previous address, which I will send off today, wil I be able to hold off Lowell till I get requested info from Cap1?Pls help

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Hi Willowy

 

Hope you had a good holiday

 

If they cannot prove who you are/where you live(d) etc it's NOT up to you to send further details

 

I'd be very tempted to write back and tell them that as they have no record of any account held by you they should go away and call off Lowell and leave you alone until such time they have they proof and that by the way your SAR request still stands

 

regards

 

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=

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Thanks for taking the time to reply ROk so I am not legally oblidged to send them CAP1 the details of my previous addresses?I have drafted a letter to send to Lowell below: pls advise if this is ok?*********************************************************************************Account no: I received your letter stating that a payment was made on the account stated above on the 21st June 2011 via standing order from a NatWest account.Again I will reiterate to you I do not acknowledge ANY debt to your company. I have requested a Subject Access from the Capital One and till date I haven’t received the requested information, in addition, you still haven’t provided me with the information requested below.If both Capital One and Lowell Group cannot provide the necessary documentation as requested below and continue to ignore and/or disregard claims that debts have been settled or are disputed and continuing to make unjustified demands for payment and thus causing me physical/psychological harassment, then I will report your actions to the necessary regulatory authorities as I see fit including but not limited to Trading Standards, the Office of Fair Trading, the Information Commissioners Office, The Financial Ombudsman Service and my MP.As a reminder, I require you to supply the following documentation before I will correspond further on this matter. 1. You must supply me with a true copy of the alleged agreement you refer to. This is my right under your obligation to supply a copy of the agreement under the legislation contained within s.78 (1) Consumer Credit Act 1974 (s.77 (1) for fixed sum credit) - your obligation also extends to providing a statement of account.. 2. A signed true copy of the deed of assignment of the above referenced agreement that you allege exists. 3. You are notified that you are obliged to supply these documents, whether you are the original creditor or not under S189 of the CCA 1974. Non-compliance with my request is a criminal offence under the above Act and will result in a report being submitted to the relevant statutory authorities. As you are aware, a credit agreement that is not properly documented and signed by the customer is totally unenforceable under the CCA and therefore is a complete defense to any court claim that is issued. Take note at this stage, that any legal action you may contemplate will be both vigorously defended and contested.Should you refuse to comply, you must within 21 days of the initial request to stop processing my details or provide me with a detailed breakdown of your reasoning behind continuing to process my data.It is not sufficient to simply state that you have a ‘legal right’. You must outline your reasoning in this matter and state upon which legislation this reasoning depends. Yours Faithfully,

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I've just had another read of todays update at Post 7

 

Cap1 and Lowell are contradicting themselves so I wouldn't bother with such a detailed reply

 

Just put the matter in dispute and state the basic facts as they have been presented to you . .

 

You do not acknowledge the alleged debt

You dispute the alleged payment and demand absolute proof

As Cap1 have admitted in writing that they have no record of any account with your name you find Lowells claims to be bordering on deceptive/harassing

Your SAR request still needs to be fulfilled

Leave me alone until they have proper proof

Complaints are going in the post accordingly

 

No need for any great legalese just yet, this will let them know that you won't be pushed around and make them do a bit more work

 

R

 

ps . . Lowell are none too bright as a couple of weeks ago they set BCW on to me for a Stat Barred debt but never bothered to tell BCW :sad:

Edited by Revenant
  • Haha 1

[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=

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Thanks again R, I will amend the letter then and make it basic, see what they come up with next....thank you soooo much.

 

You're welcome Willowy

 

The important thing is you're starting to take control and they won't like that :wink:

 

Save your ammo for later

 

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=

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  • 4 weeks later...

Hi

Welcome to The Consumer Action Group.

 

 

I am just letting you know that as you haven't had any replies to your post yet, it might be better if you post your message again in an appropriate sub-forum. You will get lots of help there.

 

Also take some time to read around the forum and get used to the layout. It is a big forum and takes a lot of getting used to.

 

 

Once you start to find your way, you will soon realise that it is fairly easy to get round and to get the help you need.

 

It can be bit confusing at first.

Please be advised that my time will be limited for the next few weeks.Thanks for your understanding.

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