Jump to content


  • Tweets

  • Posts

    • further polished WS using above suggestions and also included couple of more modifications highlighted in orange are those ok to include?   Background   1.1  The Defendant received the Parking Charge Notice (PCN) on the 06th of January 2020 following the vehicle being parked at Arla Old Dairy, South Ruislip on the 05th of December 2019.   Unfair PCN   2.1  On 19th December 2023 the Defendant sent the Claimant's solicitors a CPR request.  As shown in Exhibit 1 (pages 7-13) sent by the solicitors the signage displayed in their evidence clearly shows a £60.00 parking charge notice (which will be reduced to £30 if paid within 14 days of issue).  2.2  Yet the PCN sent by the Claimant is for a £100.00 parking charge notice (reduced to £60 if paid within 30 days of issue).   2.3        The Claimant relies on signage to create a contract.  It is unlawful for the Claimant to write that the charge is £60 on their signs and then send demands for £100.    2.4        The unlawful £100 charge is also the basis for the Claimant's Particulars of Claim.  No Locus Standi  3.1  I do not believe a contract with the landowner, that is provided following the defendant’s CPR request, gives MET Parking Services a right to bring claims in their own name. Definition of “Relevant contract” from the Protection of Freedoms Act 2012, Schedule 4,  2 [1] means a contract Including a contract arising only when the vehicle was parked on the relevant land between the driver and a person who is-   (a) the owner or occupier of the land; or   (b) Authorised, under or by virtue of arrangements made by the owner or occupier of the land, to enter into a contract with the driver requiring the payment of parking charges in respect of the parking of the vehicle on the land. According to https://www.legislation.gov.uk/ukpga/2006/46/section/44   For a contract to be valid, it requires a director from each company to sign and then two independent witnesses must confirm those signatures.   3.2  The Defendant requested to see such a contract in the CPR request.  The fact that no contract has been produced with the witness signatures present means the contract has not been validly executed. Therefore, there can be no contract established between MET Parking Services and the motorist. Even if “Parking in Electric Bay” could form a contract (which it cannot), it is immaterial. There is no valid contract.  Illegal Conduct – No Contract Formed   4.1 At the time of writing, the Claimant has failed to provide the following, in response to the CPR request from myself.   4.2        The legal contract between the Claimant and the landowner (which in this case is Standard Life Investments UK) to provide evidence that there is an agreement in place with landowner with the necessary authority to issue parking charge notices and to pursue payment by means of litigation.   4.3 Proof of planning permission granted for signage etc under the Town and country Planning Act 1990. Lack of planning permission is a criminal offence under this Act and no contract can be formed where criminality is involved.   4.4        I also do not believe the claimant possesses these documents.   No Keeper Liability   5.1        The defendant was not the driver at the time and date mentioned in the PCN and the claimant has not established keeper liability under schedule 4 of the PoFA 2012. In this matter, the defendant puts it to the claimant to produce strict proof as to who was driving at the time.   5.2 The claimant in their Notice To Keeper also failed to comply with PoFA 2012 Schedule 4 section 9[2][f] while mentioning “the right to recover from the keeper so much of that parking charge as remains unpaid” where they did not include statement “(if all the applicable conditions under this Schedule are met)”.     5.3         The claimant did not mention parking period, times on the photographs are separate from the PCN and in any case are that arrival and departure times not the parking period since their times include driving to and from the parking space as a minimum and can include extra time to allow pedestrians and other vehicles to pass in front.    Protection of Freedoms Act 2012   The notice must -   (a) specify the vehicle, the relevant land on which it was parked and the period of parking to which the notice relates;  22. In the persuasive judgement K4GF167G - Premier Park Ltd v Mr Mathur - Horsham County Court – 5 January 2024 it was on this very point that the judge dismissed this claim.  5.4  A the PCN does not comply with the Act the Defendant as keeper is not liable.  No Breach of Contract   6.1       No breach of contract occurred because the PCN and contract provided as part of the defendant’s CPR request shows different post code, PCN shows HA4 0EY while contract shows HA4 0FY. According to PCN defendant parked on HA4 0EY which does not appear to be subject to the postcode covered by the contract.  6.2         The entrance sign does not mention anything about there being other terms inside the car park so does not offer a contract which makes it only an offer to treat,  Interest  7.1  It is unreasonable for the Claimant to delay litigation for  Double Recovery   7.2  The claim is littered with made-up charges.  7.3  As noted above, the Claimant's signs state a £60 charge yet their PCN is for £100.  7.4  As well as the £100 parking charge, the Claimant seeks recovery of an additional £70.  This is simply a poor attempt to circumvent the legal costs cap at small claims.  7.5 Since 2019, many County Courts have considered claims in excess of £100 to be an abuse of process leading to them being struck out ab initio. An example, in the Caernarfon Court in VCS v Davies, case No. FTQZ4W28 on 4th September 2019, District Judge Jones-Evans stated “Upon it being recorded that District Judge Jones- Evans has over a very significant period of time warned advocates (...) in many cases of this nature before this court that their claim for £60 is unenforceable in law and is an abuse of process and is nothing more than a poor attempt to go behind the decision of the Supreme Court v Beavis which inter alia decided that a figure of £160 as a global sum claimed in this case would be a penalty and not a genuine pre-estimate of loss and therefore unenforceable in law and if the practice continued, he would treat all cases as a claim for £160 and therefore a penalty and unenforceable in law it is hereby declared (…) the claim is struck out and declared to be wholly without merit and an abuse of process.”  7.6 In Claim Nos. F0DP806M and F0DP201T, District Judge Taylor echoed earlier General Judgment or Orders of District Judge Grand, stating ''It is ordered that the claim is struck out as an abuse of process. The claim contains a substantial charge additional to the parking charge which it is alleged the Defendant contracted to pay. This additional charge is not recoverabl15e under the Protection of Freedoms Act 2012, Schedule 4 nor with reference to the judgment in Parking Eye v Beavis. It is an abuse of process from the Claimant to issue a knowingly inflated claim for an additional sum which it is not entitled to recover. This order has been made by the court of its own initiative without a hearing pursuant to CPR Rule 3.3(4)) of the Civil Procedure Rules 1998...''  7.7 In the persuasive case of G4QZ465V - Excel Parking Services Ltd v Wilkinson – Bradford County Court -2 July 2020 (Exhibit 4) the judge had decided that Excel had won. However, due to Excel adding on the £60 the Judge dismissed the case.  7.8        The addition of costs not previously specified on signage are also in breach of the Consumer Rights Act 2015, Schedule 2, specifically paras 6, 10 and 14.   7.9        It is the Defendant’s position that the Claimant in this case has knowingly submitted inflated costs and thus the entire claim should be similarly struck out in accordance with Civil Procedure Rule 3.3(4).   In Conclusion   8.1        I invite the court to dismiss the claim.  Statement of Truth  I believe that the facts stated in this witness statement are true. I understand that proceedings for contempt of court may be brought against anyone who makes, or causes to be made, a false statement in a document verified by a statement of truth without an honest belief in its truth.   
    • Well the difference is that in all our other cases It was Kev who was trying to entrap the motorist so sticking two fingers up to him and daring him to try court was from a position of strength. In your case, sorry, you made a mistake so you're not in the position of strength.  I've looked on Google Maps and the signs are few & far between as per Kev's MO, but there is an entrance sign saying "Pay & Display" (and you've admitted in writing that you knew you had to pay) and the signs by the payment machines do say "Sea View Car Park" (and you've admitted in writing you paid the wrong car park ... and maybe outed yourself as the driver). Something I missed in my previous post is that the LoC is only for one ticket, not two. Sorry, but it's impossible to definitively advise what to so. Personally I'd probably gamble on Kev being a serial bottler of court and reply with a snotty letter ridiculing the signage (given you mentioned the signage in your appeal) - but it is a gamble.  
    • No! What has happened is that your pix were up-to-date: 5 hours' maximum stay and £100 PCN. The lazy solicitors have sent ancient pictures: 4 hours' maximum stay and £60 PCN. Don't let on!  Let them be hoisted by their own lazy petard in the court hearing (if they don't bottle before).
    • Thanks for all the suggestions so far I will amend original WS and send again for review.  While looking at my post at very beginning when I submitted photos of signs around the car park I noticed that it says 5 hours maximum stay while the signage sent by solicitor shows 4 hours maximum stay but mine is related to electric bay abuse not sure if this can be of any use in WS.
    • Not sure what to make of that or what it means for me, I was just about to head to my kip and it's a bit too late for legalise. When is the "expenditure occured"?  When they start spending money to write to me?  Or is this a bad thing (as "harsh" would imply)? When all is said and done, I do not have two beans to rub together, we rent our home and EVERYTHING of value has been purchased by and is in my wife's name and we are not financially linked in any way.  So at least if I can't escape my fate I can at least know that they will get sweet FA from me anyway   edit:  ah.. Sophia Harrison: Time bar decision tough on claimants WWW.SCOTTISHLEGAL.COM Time bar is a very complex area of law in Scotland relating to the period in which a claim for breach of duty can be pursued. The Scottish government...   This explains it like I am 5.  So, a good thing then because creditors clearly know they have suffered a loss the minute I stop paying them, this is why it is "harsh" (for them, not me)? Am I understanding this correctly?  
  • Recommended Topics

  • Our picks

    • If you are buying a used car – you need to read this survival guide.
      • 1 reply
    • 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.

      The next day, 18/1/24 noticed amber engine warning light on dashboard , immediately phoned BMW aftercare team to ask for it to be investigated asap at nearest garage to me. After 15 mins on hold was told only their 5 service centres across the UK can deal with car issues with earliest date for inspection in March ! Said I’m not happy with that given what sales team advised or driving car. Told an amber warning light only advisory so to drive with caution and call back when light goes red.

      I’m not happy to do this, drive the car or with the after care experience (a sign of further stresses to come) so want a refund and to return the car asap.

      Please can you advise what I need to do today to get this done. 
       

      Many thanks 
      • 81 replies
    • Housing Association property flooding. https://www.consumeractiongroup.co.uk/topic/438641-housing-association-property-flooding/&do=findComment&comment=5124299
      • 161 replies
    • 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.
      Also, we will be to demonstrate to the judge that we are fair-minded and that we don't mind bringing everything to the attention of the judge even if it is against our own interests.
      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
        • Like
  • Recommended Topics

Harrassed by Lowell - Debt not mine


style="text-align: center;">  

Thread Locked

because no one has posted on it for the last 3946 days.

If you need to add something to this thread then

 

Please click the "Report " link

 

at the bottom of one of the posts.

 

If you want to post a new story then

Please

Start your own new thread

That way you will attract more attention to your story and get more visitors and more help 

 

Thanks

Recommended Posts

There seems to have been a considerable increase in the number of cases of Lowell acting in a manner that at the very least is questionable.

 

The new Director of Compliance at Lowell is none other than Sarah de Tute; she didn't appear to be any good at compliance when it was her job at the DCA's silly mutual masturbation club, the CSA, and nothing, it seems, has improved since. She currently seems to be quite active in bleating about how badly done to the DCAs are when it comes to regulation.

 

One can only wonder why this is - do DCAs think that compliance means acting at all times within the law and the requirements of their consumer credit licence? Or does it mean pushing the boundaries as far as you can, and getting away with as much as you can until the OFT say stop?

 

What all these creatures seem to forget about is that their unsavoury pursuit of profit for their offshore masters has serious and lasting effects on people, most of whom are in debt through no fault of their own.

 

Foggy, I hope Meacher takes the issue seriously, and asks the relevant minister to look at regulation of DCAs.

Link to post
Share on other sites

  • Replies 242
  • Created
  • Last Reply

Top Posters In This Topic

Top Posters In This Topic

Hello,

When I read my replies to your helpful questions,

once I had been made Bankrupt I can see I had gone off track,

lost the plot if you like and I am really sorry I was just so devastated that this could be happening .

 

Although I thought yesterday would be pretty straightforward I still had to hope the Judge recognised about the costs situation because of the two different e-mails.

He did thank goodness.

 

Now that the Bankruptcy has been dismissed I am more able to deal with things.

 

Surely the OFT cannot think its is right for everyone to be treated as dishonest so that these people are given free rein to drive people to suicide in some cases

 

The Small Claims Court should be used and the Bankruptcy option taken away from them.

 

Thank you for your support once again and I will keep you informed of any replies I receive.

Link to post
Share on other sites

Reading the thread sometimes had me feeling, does this guy work for Lowells and are they trying to frighten people by how silly they can be.

 

On last nights BBC One show there was a chap who had been pursued by DCA's for years for debts that he did not owe . He just shared the same name and date of birth to someone who did have debts. He contacted DCA's to tell them of the mistaken identity, but they just carried on. Anne Widdecombe who looked into it for him, visited the CSA and they gave the impression that they were not interested.

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 OTHERS

 

 Have we helped you ...?         Please Donate button to the Consumer Action Group

 

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

Link to post
Share on other sites

I recently asked the CSA to comment on some of their emails to Lowell when the CSA was allegedly looking at my complaint.

 

The emails were inadvertently disclosed by Lowell in a bundle of court evidence much to the embarrassment of the CSA.

 

The emails are from two separate CSA investigators and blatently suggest to Lowell that the CSA knew that Lowell send letters on behalf of original creditors in my case Hutchinson 3G.

 

The emails ask Lowells permision to disclose to me that they sent me both parts of the assignment letter because they were unsure if it was or should be public knowledge.

This was before the EU Directive and this actually meant the assignment even if Lowell truthfully sent the letters, did not comply with section 136(1) of the Property Act.

 

The CSA have refused to explain the emails or comment because the matter is now in the court of appeal.

 

Well what explanation could their be.

 

The CSA suggested I should not alledge that while Lowell have an agreement with Hutchinson 3G to send letters on their behalf they dont actually send them at all.

 

There I have said it sue me cos I have the emails and they prove beyond doubt the CSA are not impartial. Does anyone else think Lowell dont sent their assignment letters?

 

Lets turn to West Yorkshire Trading Stadards.

 

They sent an email to Lowell asking Lowell if they were sure they should be pursuing me for the disputed debt with Hutchinson 3G,

because when it was outsourced to Mackenzie Hall

 

Hamilton Trading Standards got MH to back off on the basis they agreed with me that the alleged debt was not recoverable.

 

Six months later Lowell started harrassing again.

 

In my oppinion its not worth complaining to the CSA or West Yorkshire Trading Standards.

 

Do complain to the media they are more independent, do complain to your MP and maybe Ann Widecombe she wont suffer the fools.

 

Do complain to the OFT and ICO.

 

If I was starting out I would never communicate with Lowell in any way shape or form because they dont have the capacity to do anything but beg for money.

Link to post
Share on other sites

I recently asked the CSA to comment on some of their emails to Lowell when the CSA was allegedly looking at my complaint. The emails were inadvertently disclosed by Lowell in a bundle of court evidence much to the embarrassment of the CSA. The emails are from two separate CSA investigators and blatently suggest to Lowell that the CSA knew that Lowell send letters on behalf of original creditors in my case Hutchinson 3G. The emails ask Lowells permision to disclose to me that they sent me both parts of the assignment letter because they were unsure if it was or should be public knowledge. This was before the EU Directive and this actually meant the assignment even if Lowell truthfully sent the letters, did not comply with section 136(1) of the Property Act. The CSA have refused to explain the emails or comment because the matter is now in the court of appeal. Well what explanation could their be. The CSA suggested I should not alledge that while Lowell have an agreement with Hutchinson 3G to send letters on their behalf they dont actually send them at all. There I have said it sue me cos I have the emails and they prove beyond doubt the CSA are not impartial. Does anyone else think Lowell dont sent their assignment letters?

 

Lets turn to West Yorkshire Trading Stadards. They sent an email to Lowell asking Lowell if they were sure they should be pursuing me for the disputed debt with Hutchinson 3G, because when it was outsourced to Mackenzie Hall Hamilton Trading Standards got MH to back off on the basis they agreed with me that the alleged debt was not recoverable. Six months later Lowell started harrassing again. In my oppinion its not worth complaining to the CSA or West Yorkshire Trading Standards. Do complain to the media they are more independent, do complain to your MP and maybe Ann Widecombe she wont suffer the fools. Do complain to the OFT and ICO. If I was starting out I would never communicate with Lowell in any way shape or form because they dont have the capacity to do anything but beg for money.

 

So it sounds like every outlet which the ordinary person turns to is a waste of time.

I didnt communicate with Lowell, thinking because it was not my debt I was well within my rights to ignore them and legally I was.

That did not mean jack to Lowell and as you know the next thing is they were trying to get a Bankruptcy petition heard without my knowledge,

which I see from reading the cries for help on here this is something they do on a regular basis.

 

I also think once you are in Court that they, the Courts ,also view you as a serial debtor (unless you are lucky with the judge on the day)

and not as someone who has fell on hard times or the multitude of other reasons beyond your control to find yourself in this situation.

 

Its a scary situation especially in today financial climate.

Link to post
Share on other sites

  • 7 months later...

Hello,

I have not been in touch for a while although I have kept my eye on Lowell complaints just in case my dealings with them could help someone.

 

If you remember my Bankruptcy was annulled and all costs were met by Lowell in advance of £3000 pounds.

 

The debt was to be repaid at £50 per month by my daughter through my account (that was what Lowell requested)

so we complied but it was made clear that the debt was not mine and in the final hearing the Judge ruled that they could not come after me at a later date for costs.

 

After the hearing I provided Lowell with our bank details( I still have the e-mail)

but after the first payment they stopped collecting the money.

 

We assumed they had heard from the OFT after my complaint to them and other various people MP ect

and decided or had been told not to pursue the debt any further.

 

Last week I received a letter from them saying I owed this money in the form of the usual debt collecting letter.

I e-mailed and they replied with the Bankcruptcy was only annulled because I had made an arrangement to pay,

that the debt was mine and I still owed them,

 

the debt had been sent from their legal dept back to the debt collection customer service.

 

I have replied to say I provided my bank details and I cannot be held responsible for them not bothering to collecting the money.

I await their response.

Can I really have to go through this again?

Aaaaaaargh.

Link to post
Share on other sites

Hi foggy, was this to be paid by standing order or direct debit?

 

The original debt was not yours but your daughters correct?

 

Lowell ceased to collect any further payments but did you check with your bank or Lowell on what was happening, you will have had a duty of care to ensure the payments were made as ordered by the court so there may well be a problem there.

 

It would be best to find out how and why the payments were stopped so enquiries to your bank asap.

 

You MUST find out why the payments stopped as a matter of urgency.

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:

Link to post
Share on other sites

Hello,

 

As far as I can remember the payment wasn't discussed in the hearing,

it was something arranged between myself and the Head of Legal Compliance Stephen Hunter before the hearing was to take place.

 

That was when they offered to cover the costs,( that was discussed at the hearing).

I will check this on the Judges summing up.

 

I find it hard to take that I have a duty of care to them especially because it was not my debt.

 

You are right it was my daughter and I had letters from capital one to my daughter and her replies when she first got into difficulty's.

 

Although I could not use this evidence I think Lowell were keen to reach an agreement,

once they knew these letters existed.

 

Do you know if Stephen Hunter is still the Head of Legal Compliance ?

because I feel if these payments were not being collected he would have let me know.

 

The hearing dealt more with the Bankruptcy being annulled rather than the agreement of paying the debt, that was done via e- mail.

 

I will check with the bank but no I didnt contact Lowell, but neither have they contacted me for over twelve months,

surely they have a duty of care to me as well if only to say I was not adhering to the agreement and the consequences of that.

I will keep you posted.

Thank you

Foggy123

Link to post
Share on other sites

It is hard but the arrangement was to use your account , no I don't know if Hunter is still there.

There does seem to be a mystery here and it makes me suspicious!! Check the bank before

anything and come back I'll do my best to help you.

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:

Link to post
Share on other sites

It is hard but the arrangement was to use your account , no I don't know if Hunter is still there.

There does seem to be a mystery here and it makes me suspicious!! Check the bank before

anything and come back I'll do my best to help you.

Stephen Hunter was still there in December 12 left court red faced with barrister in tow when O whooped them in the Appeal Court. They don't play by the rules so this was probably part of their game plan to discredit you. Report to OFT

Link to post
Share on other sites

Hello,

Checked with my bank and only one payment ( that was made by myself over the phone by debit card) they wanted a £50 payment up front.

I had a real job getting someone to take the payment I remember because they wouldn't supply me with an account number

.No other payments have been taken.

 

I wasn't ordered by the Court to make the payments, it was never discussed.

 

The Judges summing up at the last hearing was;

This Petition be dismissed

There be no order to costs

The previous order for costs to be discharged

And Permission to discharge the entry at HM Land Charges Registry.

I gave all the relevant Bank Details to Stephen Hunter.to be collected by direct debit.

 

On my last e mail from Lowell they state that I still owe the money.

I had evidence in writing that the debt was not mine but it couldn't be used because I had not sent Lowell a copy before the hearing,

by this time though it was obvious to the Court that the debt was not mine and I think that will be the reason I wasn't ordered by the Court to make payments.

 

What do you think has happened here This has already cost double the debt for Lowell.

 

There is no Court Order re the payments so were do I stand there?

Link to post
Share on other sites

Hi, You have there all the information you need to send Lowell packing if you just add a statement that,

 

Mr. Stephen Hunter of Lowell Present at the hearing on xx xx xxxx was made fully aware that I foggy 123 do not have any liability for the debt, and that I was a facilitator only is allowing usage of my account to process payments to Lowell without liability for ensuring that Lowell claimed the required payments.

 

The debt is not nor ever has been in my name.

 

Therefore Lowells claim is totally refuted, this is my final response.

 

Recorded/signed for delivery check when they receive it.

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:

Link to post
Share on other sites

The statement was that Hunter was fully aware of the situation at the time, and de Tute is indeed the person to write to now.

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:

Link to post
Share on other sites

Mr Andrew Paul Bartle, is a Director Lowells I use.

 

The thought has been made that Mr Bartle (head of Collections) and Samantha Barnard (customer services) are mere bots churning out various threatograms and nonsense on the status of accounts:madgrin:

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:

Link to post
Share on other sites

Directors: -

 

Appointed Current Historical Total

Mr Adrian Richard Hill 27-02-2012 1 0 1

Mr Andrew Paul Bartle 04-04-2008 17 0 17

Mr Colin Storrar 11-02-2013 12 0 12

Mr Gary James Edwards 15-01-2013 10 0 10

Mr James John Cornell 04-04-2008 27 5 32

Mr Jonathan Barlow Rosen 21-02-2012 1 0 1

Mr Richard Llewellyn Davies 20-10-2010 9 2 11

Mrs Sara Louise Leckenby 19-05-2012 8 0 8

Current Secretary Name Appointed Current Historical Total

Mrs Sara Louise Leckenby 19-05-2012 1 0 1

:mad2::-x:jaw::sad:
Link to post
Share on other sites

The ''Compliance officers'' are headed by the COMPLIANCE DIRECTOR so cut out the minions!!!

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:

Link to post
Share on other sites

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:

Link to post
Share on other sites

  • 2 weeks later...

Thank you I have followed your advice. I received an e mail from them today saying the Bankruptcy was annulled because an arrangement had been met, totally not true, They dont get that the costs were met by themselves for no other reason than that the debt was not mine. They are now asking for proof of this They are obviously stabbing in the dark and trying to intimidate me again.. Luckily I have kept all Court letters and my dealings with Stephen Hunter. I have worded the letter as you advised and will keep you informed.

 

Thank you so much again

Foggy123

Link to post
Share on other sites

Hello, Well I have had a reply today from Lowell.

 

They say after reviewing my account they are of the understanding that I opened this account for a family member and that makes me liable for the repayment of the balance. and it is my responsibility that the account is paid. My daughter opened the account in her name, date of birth , job details ect and as she was 25 at the time I was not involved at all.They then go on to say if I wish a third party to make payment on my account that this can be arranged and they would need my permission to do so. Correct me if I am wrong but isn't that what I did in the first place.

They then go on to say that it is my responsibility to make sure that the third party makes payments towards the account otherwise collections activity will still proceed against myself.

What do you think should I reply? Any advice gratefully received I feel this goes well beyond harassment and still has the ability to send me to pieces.

 

Thank you again

Foggy 123

Link to post
Share on other sites

  • Recently Browsing   0 Caggers

    • No registered users viewing this page.

  • Have we helped you ...?


×
×
  • Create New...