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    • Hello, welcome to CAG. As you say, appealing this ticket doesn't help as these people hardly ever accept appeals. They don't care how difficult someone's life is, they just want the money. The forum guys should be along later with thoughts for you on how to deal with this. Best, HB
    • I have received an email in the last 10 minutes 4) The Claimant's witness is currently out of the office on annual leave and this was not relayed to DWF Law until after the event which has caused a further unfortunate delay. 5) The Court has directed parties to file and serve any evidence upon which they intend to rely not later than 14- days before the hearing i.e. by 4pm on 6 June 2024. Regrettably, the Claimant will have insufficient time to finalise their witness evidence and supporting exhibits as directed. We therefore respectfully apply to extend the time for filing/serving evidence so that the evidence upon which the parties intend to rely by filed and served not later than 7-days before the hearing i.e. by 4pm on 13 June 2024  It also includes a "Notice of Hearing" stating that the application hearing will take place on 13th June at 10.00am.  Confused as to whether I need to attend this ?
    • I've received this notice to keeper. I work for the NHS and was delayed due to patient care. I park here regular and and have never had any issues. I've looked at the evidence on the portal and other than showing that i entered at 12.59.33 and departed at 17:14:14 it doesn't state how long i overstayed for. I paid for 4 hours parking over the phone which i wont have done till i got parked but as its over the phone i have no receipt or record but it is not possible for me to have been in excess of 15mins from the photos alone but I'm unsure having read other threads whether grace periods are 10 or 15 minutes. I havent appealed yet but and was about to but in appealing i'm showing i'm the driver which i gather is something you state we must never do. I don't like confrontation but £60 seems extortionate. Hope you can help. 🤞 1 Date of the infringement 30th May 2024 2 Date on the NTK [this must have been received within 14 days from the 'offence' date] 30th May 2024 [scan up BOTH SIDES as ONE PDF- follow the upload guide] please LEAVE IN LOCATION AND ALL DATES/TIMES/£'s 3 Date received 5th June 2024 4 Does the NTK mention schedule 4 of The Protections of Freedoms Act 2012? [Y/N?] No reference to schedule 4 just says"...we the creditor reserve the right to recover unpaid parking charges from the registered keeper in accordance with POFA 2012." 5 Is there any photographic evidence of the event? Yes 6 Have you appealed? [Y/N?] post up your appeal] No Have you had a response? [Y/N?] post it up NA 7 Who is the parking company? Carpark securities 8. Where exactly [carpark name and town] Northgate, Halifax Former Dews Car Park HX1 1XJ For either option, does it say which appeals body they operate under. IAS There are two official bodies, the BPA and the IAS. If you are unsure, please check HERE   Notice to Keeper.pdf
    • It never seems to amaze me how the chuckleheads think that No Stopping can ever offer a contract when it is prohibitory. In any case you did not accept the contract by entering the land, you entered the land to get to the airport for goodness sake. In most car parks there is a Consideration period that allows motorists to decide whether they want to stay in the car park . Here on a road, there is no consideration period and whether the motorist finds the terms agreeable or not even assuming that they are able to understand that they are being hoodwinked into believing they are being offered a  contract they cannot turn back. They have a plane to catch and even if they did turn back because they didn't accept the  No Stopping term of   the so called contract they would still have had to stop to turn around. Plus there is a question of Frustration of Contract. You had to stop at a pedestrian crossing .    
    • Just a couple paragraphs their WS that it might be useful to refer to specifically in the OP's WS... Para 6 A contract was formed with "the driver" of the vehicle. Para 8 "The driver" accepted the contract. (The "driver" is not named, or identified anywhere in the WS). Para 7 WHY would there ever be a "no stopping" restriction in a car park? (In Para 10, they specify that it is a "car park"). Para 11 "The Defendant" became liable." Again, they have not shown that the Defendant was "the driver", simply the keeper. Para 20 "It is a matter of agreement"? Not really sure what they're trying to say here...
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Lowell portfolio letter


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Hi.I have been fighting off Bryan Carter for some while now,for a supposed debt to o2.

 

I recently wrote back to them stating i wanted original proof of the debt.

 

I dont think they had this,and advised me they would be in touch/and or return the debt to lowell portfolio. A Triumph for me i thought! but no.. iInow have these lowell people writing to me.

 

I have enclosed the letter as it seemed the easiest way to explain it.

 

What i would like to know is-Can i use the same tack with these people and ask for original proof of the debt,

 

I really think they are just trying it on and i want to beat them so baaaddd!!

 

MANY THANKS FOR ANY HELP.

REGARDS. S[ATTACH=CONFIG]27872[/ATTACH]

Edited by ksdawg
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Please delete the attatchment as it contains personally identifiable details.

open it in paint and use that to paint over the details, Reference numbers, names, any numbers along the edge of the letter etc.

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Once you have done that save it as a .jpg file and the download this FREE pdf converter

 

http://www.dopdf.com/

 

It works as a kind of virtual printer and will change the image file to a pdf to put up on here.

 

B

 

Any mods on here? Please could you read post #2 and relocate this to the debt collection industry forums where ksdawg will get the help needed.

Edited by bernardski
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Ok perhaps try typing word for word just leaving out account / reference no's etc.

In ref to your post on Astronomyphilly's thread

 

Firstly just be aware lowlifes will try any number of tricks to try and convince you to contact them, this is important, this is your last chance, this is your very last chance, the worlds going to end via a swarm of locusts if you dont contact us about a payment.... blah, blah, blah! Basically a load of dribble hoping your gullible enough to pick up the phone and make contact!

 

GOLDEN RULE - NO PHONE CONTACT - EVER! (They will try there utmost to trick you into acknowledging the so called debt)

 

Service agreement, really? Just exactly who are they trying to fool with this? If it is regarding a pay monthly phone then of course its a credit agreement, if you so wished the you could get a £2 statutory credit report from Experian or the like and it will show your credit accounts for the last 6 Years, if this is on it then its a credit agreement and you will then also have evidence of this.

 

Who owns this debt?

Have you received a notice of assignment from the original creditor?

 

B

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wow,just read your post...i have experian but have not looked that far back

 

no notice of assignment from anybody? i presumed lowell "owned" the debt regards s

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Sadly its not always that clear, never presume they own it as they do collections for other companies as well as purchasing debt from them.

You need to post up as much information as you can,

any and all letters regarding this matter (minus the personal details but keeping dates and amounts) this will allow others to help you if they know as much as possible

 

Reason for debt - Communications Account

Original creditor - o2

Current owner of debt?

Dates this refers to, default / last payment made / last time debt was acknowledged etc

Have you received a Notice of assignment and yearly statements of account?

 

Seems a lot but the more that people know the better advice they can offer to you

 

B

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Not at all if you are querying alleged debt, try this as a possible letter to them.

 

 

Dear Sirs,

 

Account No:

 

You have contacted me regarding the account with the above reference number, which you claim is owed by myself. I would point out that I have no knowledge of any such debt being owed to (insert company name).

 

I am familiar with the CPUTR 2008 and the Office of Fair Trading's Guidance on debt collection, which states that it is unfair to send demands for payment to an individual when it is uncertain that they are the debtor in question.

 

I would also point out that the OFT say under the Guidance that it is unfair to pursue third parties for payment when they are not liable and in not ceasing collection activity whilst investigating a reasonably queried or disputed debt you are using deceptive / and or unfair methods.

 

Furthermore ignoring and / or disregarding claims that debts have been settled or are disputed and continuing to make unjustified demands for payment amounts to physical / psychological harassment.

 

I would ask that no further contact be made concerning the above account unless you can provide evidence as to my liability for the debt in question and await your written confirmation that this matter is now closed. Otherwise I will have no option but to make a complaint to Trading Standards and also inform the Office Of Fair Trading of your actions.

 

I look forward to your reply.

 

Yours faithfully

 

IMPORTANT - PRINTED NAME ONLY DO NOT SIGN

 

 

[ATTACH=CONFIG]27875[/ATTACH] CPUTR 2008

 

 

oft664.pdf OFT 664 debt collection guidance

Edited by bernardski
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Your welcome i hope i have been of some help, dont let these guys bully you.

There are a lot of people on here who have a lot of experience dealing with lowlifes and company and im sure it wont be long before they come along with some sound advice.

 

B

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hey,you,ve been more than helpful,you really know your ****.

 

dont underestimate the level of your knowledge

 

its greater than you think.

 

best regards

 

s

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Good ole Lowlifes and their infamous mobile phone contracts!

 

Send them the "no debt acknowledged" letter, do NOT speak to their puerile phone drones over the dog & bone, keep EVERYTHING in writing, maintain a diary of events, especially regards to their telephone harassment, this will enable you to make a formal complaint to the Police about the criminal offence of harassment.

 

The letter they have sent you, is simply a computer generated response, it has had no human input less for the Postie pushing it through your letter box.

 

I very strongly doubt that it was lowlifes themselves who supplied you with any information OR documentation, as they WILL NOT be the owners of this alleged debt.

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

 

Agree with Boo on this.

 

Have a read of some of the threads on LowLife and see what type of skullduggery they get up to.

 

If they own the debt you should have received a notice of assignment. Basically a "goodbye" letter from the original creditor and a "Hello" letter from the new owner.

 

Proceed as advised above and you will be OK

 

ims

 

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  • 2 weeks later...

hi,no history other than that i have stated

i,m now receiving texts from a company named" red " and presume these are all linked.

lowell have even found my email address and contacted me that way with much the same demands as in there letter.

i shall write to them tonight using the no debt acknowledged approach and see what responce i get back.

i,d just like to add what a great site this is and and thanks to all the kind people who have responded to me.

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i,m now receiving texts from a company named" red " and presume these are all linked. Yes keep a diary of each text they send you and report them to the OFT&TS and FOS.

 

lowell have even found my email address and contacted me that way with much the same demands as in there letter. Mark it as spam and it will go into your junk folder.

.

 

OFT&TS via http://www.direct.gov.uk/en/Dl1/Directories/UsefulContactsByCategory/Governmentcitizensandrightscontacts/DG_195948

 

FOS http://www.financial-ombudsman.org.uk/consumer/complaints.htm

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 Cerberusalert :-)

 

Just investigated further why the full name was coming up on hover.....it's originating from the orange rectangles used to hide text. Whatever programme the op used for this (please tell us! Not photoshop, some office sticky notes app?) inserts the owners name. If you right click you get a pop up note with authors name on.

So, the op needs to completely re-edit in a different programme.

 

Elsa x

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hi thanks for the info.just got home and found a letter,this time, from red stating they have been asked by lowell to collect the supposed debt.they even state on the letter that they are an arm of lowell portfolio,which doesnt appear to give them a whole lot of credibility really. i sent of the no debt acknowledgment yesterday so i,m sure that will filter through to these red heads. i eagerly await the next installment.

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