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    • Thanks all, especially the information about Kev! Yes, I'll make the mods you all suggest, especially the client bits (didn't realise it was a one man band). The only thing I'm not sure of, is the best way to "sign off", especially as the Keeper is not so keen to sign. So I'd much rather send it from our pet dog. BTW does anyone know about the landowners at Harlyn Bay? I did try to find out last year but couldn't find anything useful, and whether it is worth raising this massive cash generator scam with them. I'm guessing the landowners get a small percentage, so happy to go along with it?
    • I haven’t reply, so the hearing hasn’t been decided 
    • whitelist - the same with mine....the battery had a mind of its own. i bought it for my Son...he'd shut it down and it would be completely off but the power light would either stay on or flash...also it wouldnt start properly, had cmos errors on boot and other stuff.   i bought it through HP store on ebay ..brand new. after 6 days of receipt i recieced an email from HP asking if i was happy...i returned an email saying no and that i want to send it back as it was faulty (basically the email served as a reminder for me to leave them good feedback lol...not as a geniune enquiry to actually make sure i was happy with as they didnt reolve the issue when i was not) after trying to sort it for a couple of months with HP not replying, not offering a solution etc i finally got passed tech support who confirmed it was faulty. i then had to return it to their factory. this is where its gets beyond worse...waited 3 times for parcelforce to collect - they didnt. in the end HP sent me a label which i had to take to the post office - not good as im disabled with a mobility disability. then they asked for my bank account number to issue the refund. they hardly ever replied to my emails and it took over a month and a half to refund me once they had received the laptop back. no explanation, no progress emails, no updates. i kept emailing them on a daily basis as no one would reply to my emails through the website, forum, internal email addresses and even phoned 3 different departments who basically had no idea what to do or what was going on and did not help...they couldnt even tell me when the refund would be issued, let alone why it hadnt been done already. on the forums theres other customers who've had to wait 6 weeks , 2 months , over 2 months etc...it seems as though HP like to with hold peoples money to earn interest on the money in their account. i spents days phoning and emailing them - even sent a recorded letter. at the begining i phoned citizens advice and they said i am entitled to put back into the same financial position as before i lost the out of pocket expenses ie: compensation for my time and recorded letter sent etc. ive started a martin lewis 'resolver' case with them and basically in a snotty reply they told me im not entitled to compensation which is contradictory to what citizens advice told me. i was just wondering if theres any .gov website or law/legislation that i could reply with and say "no your wrong - please compensate me"
    • LBC is here. Complete with a note showing a phantom payment. What to do next?
    • I suppose it doesn't make a massive amount of difference as Kev has never had the guts to do court - well at least not yet - but to me the number of cards played still needs to be reduced.  Given the OP has already referred to the "very busy and overflowing car park" in the appeal I'd refer to that and tell Kev to go and look up case no.3JD08399.
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    • Hello,

      On 15/1/24 booked appointment with Big Motoring World (BMW) to view a mini on 17/1/24 at 8pm at their Enfield dealership.  

      Car was dirty and test drive was two circuits of roundabout on entry to the showroom.  Was p/x my car and rushed by sales exec and a manager into buying the mini and a 3yr warranty that night, sale all wrapped up by 10pm.  They strongly advised me taking warranty out on car that age (2017) and confirmed it was honoured at over 500 UK registered garages.

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    • Housing Association property flooding. https://www.consumeractiongroup.co.uk/topic/438641-housing-association-property-flooding/&do=findComment&comment=5124299
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    • We have finally managed to obtain the transcript of this case.

      The judge's reasoning is very useful and will certainly be helpful in any other cases relating to third-party rights where the customer has contracted with the courier company by using a broker.
      This is generally speaking the problem with using PackLink who are domiciled in Spain and very conveniently out of reach of the British justice system.

      Frankly I don't think that is any accident.

      One of the points that the judge made was that the customers contract with the broker specifically refers to the courier – and it is clear that the courier knows that they are acting for a third party. There is no need to name the third party. They just have to be recognisably part of a class of person – such as a sender or a recipient of the parcel.

      Please note that a recent case against UPS failed on exactly the same issue with the judge held that the Contracts (Rights of Third Parties) Act 1999 did not apply.

      We will be getting that transcript very soon. We will look at it and we will understand how the judge made such catastrophic mistakes. It was a very poor judgement.
      We will be recommending that people do include this adverse judgement in their bundle so that when they go to county court the judge will see both sides and see the arguments against this adverse judgement.
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      This is good ethical practice.

      It would be very nice if the parcel delivery companies – including EVRi – practised this kind of thing as well.

       

      OT APPROVED, 365MC637, FAROOQ, EVRi, 12.07.23 (BRENT) - J v4.pdf
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DCA Administration Charges


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It is an alleged mobile phone debt, still waiting for Buchanan Clark & Wells produce information to prove my liabilty ... Very stroppy people Buchanan Clark & Wells!!

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this is why i save all my pre-paid envelopes i get off these people.

print off the whole pdf high-light the relavant passage then put in a A 4 envelope and tape there pre-paid envelope to the front and put it in a post box.

PHOTOBUCKET TUTORIAL IS NOW DONE HERE IT IS

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Yep Muppetcroft and CCSCollect tried that old Badger, told em here is my invoice ( never heard a dicky since ) though I have dispensed with the services of Moorcroft and have SAR O2 I only owe them £70 and I bet you that has a few late charges on it. Will make an offer to them when I get it... bye bye Moorcroft, good budgie and hamster bedding heading Hippies way.

[sIGPIC][/sIGPIC]Happyhippy1959

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  • 11 months later...

On 21/08/2012 by way of assignement Progressive Credit Ltd (Aqua Credit Card) assigned all of it's respectibve rights, title and Interest to Lowell Portfolio Ltd.

 

The total balance sold was £463.41.

 

In the same envelope I also received a letter from Lowell introducing themselves and huffing and puffing about it is their right to collect. I wrote to Lowell asking them to provide a full breakdown and statements to prove my liability to the alleged £463.41.

 

This morning I received the information from Lowell and the outstanding balance includes £199.41 of Overlimit Fees & Late Payment Charges.

 

I recently issued a county court claim against Capitlal One to claim Overlimit Fees & Late Payment Charges. Capital One settled the claim out of court, so I know the charges are challengeable.

 

My question is, even though Aqua have sold the account to Lowell can I still challenge the charges and tell Lowell that I am only prepared to repay £199.41?

 

Thank You in advance

drob

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Thanks, Brigadier

 

Should i do this as a Full & Final to Lowell? or just tell Lowell that I want the charges removed before I pay?

 

You can certainly try, Lowel are not the most cooperative bunch and any F&F offer must be very carefully worded andno payment must be made until you have their unequivical agreement in writting in your hand.

 

If you need help with it pm me and I'll answer on the open forum.

Any Letters I Draft are N0T approved by CAG and no personal liability is accepted.

Please Consider making a donation to keep this site running!

Nemo Mortalium Omnibus Horis Sapit: Animo et Fide:

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You can certainly try, Lowel are not the most cooperative bunch and any F&F offer must be very carefully worded andno payment must be made until you have their unequivical agreement in writting in your hand.

 

If you need help with it pm me and I'll answer on the open forum.

 

 

What I want to achieve is for Lowell to remove all charges and correctly update any information they have recorded with the credit reference agencies. One they have done the aforementioned or their unequivical agreement I then want to enter into a repayment schedule to clear the balance.

 

I just want to set my stall out from the start and avoid letter ping pong.

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Reading this again I think you will have to challenge the charges with Aqua directly, Lowell will just refer to them I suspect.

 

send the following to The Compliance Manager

at Lowell.

 

Ref: as on their letter.

 

Dear Sir or Madam,

 

I refer to your letter dated xxxx regarding an alleged debt to Aqua which Lowell have aquired, please take not I do not acknowldege any debt in the amount of £ xxxx is owed either to Aqua or Lowell.

 

As the default sum is made up of a considerable amount of unfair penalty charges which are in dispute I cannot deal further with this matter which is now formally in dispute.

 

amend as you see fit.

Any Letters I Draft are N0T approved by CAG and no personal liability is accepted.

Please Consider making a donation to keep this site running!

Nemo Mortalium Omnibus Horis Sapit: Animo et Fide:

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  • 7 months later...

I have been dealing with Lowell in reference to 2 alleged debts that they had purchased from Aqua Credit Csrd & Three Mobile.

 

After months of letter and email ping pong with Lowell

 

they wrote to me advising me that as a gesture of goodwill with no admission of liability they have decided to close both accounts,

therefore I will receive no further contact in relation to both accounts.

 

I then wrote to Lowell and asked them to remove ant information that they have recorded with the three credit reference agencies

and to cease processing or sharing any of my personal data.

 

On 25th April I received the following response from Lowell...

 

Dear drob

 

Upon closure of accounts xxxxxx & xxxxxx I requested that the information showing on your credit file for these accounts is removed.

This can take up to 50 days from the date of the request.

For clarity I can confirm as these accounts have been closed

they will not be returned to the original creditors or sold on.

 

Yours Sincerely

Lowell

 

 

I have received a further letter this morning Lowell regarding this matter...

 

Dear drob

 

Please be advised we are unable to remove details of defaults as we are required to reflect true and accurate information on how your account has been conducted.

 

As we are legally obliged to show information for 6 years from the date of the default, the information will not be removed from your credit file, however we will amend your file to show partially satisfied with a zero balance.

 

Yours Sincerely

Lowell

 

 

* Why have Lowell contradicted themselves in the second letter?

* How can a closed account show partially satisfied with a zero balance?

 

I'm not sure if to right to Lowell again and point out their contradictions or pass this on to the ICO, any suggestions or advice would be appreciated.

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They will stay on the CRA file for the 6 years as they state as a true record it seems - correct they can. if they have stopped chasing and closed the accounts, let sleeping dogs lie I would say. Wish our DCAs would do that for us.

:mad2::-x:jaw::sad:
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