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    • It's a GR Yaris - Finance is with Alphera, who are part of BMW I believe. I'm sure the unit is very expensive to repair, I have even told them I would be happy with a refurbished/reconditioned unit, in trying to be reasonable as well.
    • Without seeing this envelope, document and sticker it is impossible to advise properly. However, just going on what you have told us, there are two ways you can deal with this: !. The easy way. This has the lowest risk but the guarantee of a penalty for speeding.  You can respond to the SJPN by pleading “Not Guilty” to both charges. In the “Reasons for pleading Not Guilty” box you can explain that you responded to the request for driver’s details but it was recently returned to you, seemingly not actioned. However, you are willing to plead guilty to the speeding charge providing, and only providing, the “Fail to Provide Driver's Details" (FtP) charge is dropped. You could also ask the court to consider sentencing you at the fixed penalty level (£100 and 3 points) as this prosecution seems to be the result of an administrative problem outside your control. 2. The not so easy way with higher risk. This could see you convicted of the FtP charge but has the possibility that you escape with no penalty whatsoever. You can do the same – plead not guilty to both charges. You can mention in the “Reasons” box that you returned the request for driver’s details as required. If you go down this route the speeding charge cannot succeed as they have no evidence you were driving. This comes from your response to the request for driver’s details which the police say they have not got. You will then face a trial for the FtP charge and you can produced your response together with the envelope and sticker showing it had been returned to you. The risk with this is that if your defence fails you will be fined a week and a half’s net income, pay a “Victim Surcharge” of 40% of the fine, pay prosecution costs of around £650 and have six points together with an endorsement code (MS90) which will see your insurance premiums rocket.  
    • Probably very expensive to replace what car and model who is your finance with ?   Andy
    • Topic moved to Financial legal Issues forum in view of the claim form. Topic title updated Please continue to post here, Andy   .
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Lowell and O2


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Hi there,

around two years ago I ended my contract with O2 but after 6 months of doing so they sent me a letter saying I owed monies and this was my final bill, I wrote back telling them I disagreed with this and I owed nothing.

 

From that period I had to deal with 3 DCA's all trying to collect on behalf of O2 with varying different amounts of what i was supposed to owe, I asked each DCA I was dealing with at the time to send me proof and breakdown of this supposed bill and the first two were unable too so went on there merry way while the third did attempt to offer some thing in the way of 3 lots of account statements that ranged from me owing £62, £38 and £0, nothing related to the £79

that was quoted I owed from their demands and certainly different figures each time depending on what DCA I was speaking to at the time.

 

Spoke with last DCA and sent them off with a flea in their ear and that was last I heard for over a year.

 

Seems now Lowell have sent me two letters in the same envelope both dated 23/2/2012 and received on 27/2/2012, one supposedly from O2 saying that they had sold the debt to Lowell’s and any contact with regards to the debt should be directed to them, I say supposedly because of the poor quality paper it was printed on and the fact that it was sent in the same envelope as the Lowell letter advising me of Assignment of debt.

 

I have had no formal notification from O2 apart from the letter that Lowell’s sent me and so do not recognise their right to try and collect on a debt that has never been proved.

 

Letter from Lowell stated that if i do not pay in full or setup a repayment plan in 5 days they will instruct their debt collection agency Red to collect on their behalf.

 

I now await further communication from these idiot's and look forward to telling them where to go.

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ahhhh bless Red debt collections the desk behind Lowells, and when you ignore them they pass it to next desk along Hampton Legal....then when thats ignored Lowells write again and guess what it starts all over again

I know my rights Mr DCA I'm with the CAG......hello hello where you gone Mr DCA8)

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thats why we call them lowlife.

 

they have a draw full of differing company letterheads that they copy onto paper

try try and make their spoofing tactics look more real.

 

ignore

 

next will be a discount letter

 

dx

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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  • 2 weeks later...

Just an update, had a call from Lowell's last week wanting to discuss how I wanted to make the payment, yea as if :roll:

 

I allowed the call to go ahead as I have just purchased Trucall and had just taken my happy pills so was in a teasing mood.

 

The gentleman in question wanted to know my telephone numbers and if I owned my own home, well happy pills or no

happy pills I refused to answer any of his questions and only replied that I do not owe a debt and to send me proof of alleged debt

and he kept insisting they had but all they had sent was an amount they claimed I owed with no breakdown or what it was for.

 

He finally he hung up

 

Got an email from them asking me to pay the alleged debt as they can see no reason for me not to, replied to that email with the Prove It Letter.

 

Received a letter today from Red Debt Collections agency as they have been asked to collect on behalf of Lowell Portfolio and to call them to make

payment, I hope they are holding their breath while waiting for me to call.

 

I now await their next call, cant wait. :razz:

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wooohoooo they haved moved it down a desk to Red.........next on list is Hampton Legal or as they know seem to be known HL solicitors

I know my rights Mr DCA I'm with the CAG......hello hello where you gone Mr DCA8)

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  • 2 weeks later...

Ignore the fools, seriously, give a dog a bone and it will keep coming back.

You owe nothing, they have nothing, you will pay them nothing, ignore them get on with your life, unless of course, as I do, you want to bait them and run the idiots ragged.

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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Ignore the fools, seriously, give a dog a bone and it will keep coming back.

You owe nothing, they have nothing, you will pay them nothing, ignore them get on with your life, unless of course, as I do, you want to bait them and run the idiots ragged.

 

Like yourself, I am not adverse to baiting them and will be paying nothing. :razz:

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On a more serious note, I have never heard of anyone being taken to court for such a pathetic amount, least of all a mobile phone account.

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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