Jump to content


  • Tweets

  • Posts

    • It's normally that information is usually given how it is stored. I.E. if kept physical then physical copies get sent out. If kept digital then digital copies get sent out. It's the idea that the information you get back is exactly how they keep it and exactly how they hold your data. It's why you'll quite often see screenshots of CRM systems on SARs and such
    • I think final version of WS now prepared with exhibits added.  All numbered properly. Of course it can still be tweaked if necessary. Laura will not need it on 25 June as that is just a Preliminary Hearing for her to represent her son. But as DCBL messed up and thought it was WS time why not prepare things calmly in advance. Defendant's WS - versione 3 + attachments.pdf
    • Your case shows the idiocy of employing a solicitor to do things you could easily do yourself. Had Countryside dealt with their own case they would have entered judgement on 4 June and there would have been no way back for you. But they thought they were clever by running to Rachael and Sean of BW Legal for a more "professional" (aye, right) service.  These dodgy solicitors can only make money on private parking cases by doing everything on the ultra cheap and certainly cant check the judgement date for every single separate case. Ho!  Ho!  Ho! Anyway, glad you got the defence filed OK. The next stage is that the central bulk court will send out a simple form called a Directions Questionnaire to you and to Countrywide which is part of the allocations process to your local court.  If you read this short thread you will see all the stages of the court process  https://www.consumeractiongroup.co.uk/topic/406892-highview-parking-anpr-pcn-claimform-urban-exchange-manchester-claim-dismissed/#comments
    • It is already trespass, nothing further needed to make out trespass. Not sure where ‘interference with goods’ helps you / how you’d bring a claim for that that stops them parking there.
    • Thanks Dx,    For some further information, the holiday was booked as a package holiday for 2. One of the 2 had to be changed, and changing costs £700 for a new flight as "tickets had been issued and they cant do a name change". I cant quite figure out how compensation works for things when it comes to package holidays.    From what I can tell  - The plane was due to land in Turks and Caicos to drop off passengers, something happened during descent, resulting in technical fault.  - The rest of the original flight from Turks & Caicos -> Montego Bay was cancelled  - A New flight was put on today, which was then delayed by 1.5hrs aswell  - Hotel was provided for the night after much hassle.  - 1.5 days, 2 evenings of holiday lost  If I understand correctly, since the original flight (LHR -> Turks -> Montego Bay) was cancelled, they are both entitled to a refund on that full flight? I can't quite work out if they are only entitled to a refund for the equivalent of Turks -> Montego Bay, or for the full LHR->Turks->Montego Bay, since it was issued as one ticket/all Virgin, and they should have arrived yesterday..?)  I can't work out how to get the cost of that compensation, or whether its a set figure, and how the loss of days of holiday is factored in   I am aware:  If you received less than 14 days’ notice of the cancellation, you are generally due compensation, awarded in pounds or euros depending on where your flight was due to depart from, according to the following scale: £220 / €250 for all flights of 1,500km or less (e.g. Glasgow to Amsterdam); £350 / €400 for all flights between 1,500km and 3,500km (e.g. East Midlands to Marrakech); £520 / €600 for all other flights (e.g. London to New York). Compensation will be reduced by 50% if the arrival time of the replacement flight doesn’t exceed the arrival time of the original flight by: two hours for flights of 1,500km or less; three hours for flights between 1,500km and 3,500km; four hours for all other flights. So I "think" its £520pp for the flight part as compensation (7500km)... but some sites say its a full refund for the flight... is it both?  Thanks,  Ryan  
  • 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

I need help with credit card debt


thompa23
style="text-align: center;">  

Thread Locked

because no one has posted on it for the last 4346 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

Hi this is my first time on the forum, I am having problems with Lowell who are trying to recover £889 debt on a capitol one card, This debt goes back 6 years and most of the charges is for late payments etc which amounts to £514.00 which leaves the bebt at £375, Is this legal / lawful , Do I have to pay ?

Thanks

thompa23

Link to post
Share on other sites

This is going to feel sooooo good sending lowlifes packing.

 

When did you take out the cr@p one card?

Have you a statement showing exactly what charges have been applied to this account?

 

Did cr@pone inform you they were passing this onto Lowlifes, and did Lowlifes send you a letter saying they were going to 'try' and force you to pay?

 

Check your credit file and see exactly whats on their.

 

What was the last letter lowlifes sent you?

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!

 

 

Link to post
Share on other sites

Hi , And thanks for your swift reply, Can`t really remember when I took out the card think it was about 2003 ( my life was a bit of a mess back then )Yes I have a statement of sorts which Lowell requested & got from Capitol One, I also requested a statement from them but have not received one, They sent me a reply saying it would take approx 4 weeks which was about 7 weeks ago, I don`t recall them informing me they were passing it on to Lowell, Lowell said they would initiate court proceedings or send a debt collector to discuss payments, My credit file status for the debt shows D, And the record date 05/09/2011, Last contact from them was 22/05/2012 via E- Mail Saying they would except £ 40 per month, I am / was happy to pay this to clear the £375 but told them I am not paying any of the charges.They also offered me a " substantial discount " If I paid a one of payment of £705.27. Thanks

Link to post
Share on other sites

Hi , The last payment was on 06/03/2007, Last contact via E- Mail 22/05/2012 , Also I have recieved a reply today from Capitol One asking for £10.00 for a copy of my statement.

Thanks

Link to post
Share on other sites

Did you actually confirm in your email to them that you were happy to pay the £375.00?

 

£10.00 is the statutory fee for a SAR not for just one statement, don't get paying them anything for a statement!

Link to post
Share on other sites

Hi Dotty50, What I actually told them was I would happilly pay what I owe, But was not prepared to pay any of the charges, At that time I did not know what the charges were, Obviously I know now and have told them I am only going to pay £375, I`m still waiting for a response from them.

Thanks.

Link to post
Share on other sites

If its any help, I did a partial settlement in 2005 with Capital One themselves, not the debt collectors and it was marked on my cra, but it has since disappeared. But I noticed Lowells have done a recent credit search, which I thought nobody was allowed to do unless they had your permission. They can whistle for anything else....

LilythePink

If you liked what I said, and if it helped in any way, please tip my scales..... thank you:)

Link to post
Share on other sites

The reason I asked, like ims21 in post 5 is that if you haven't acknowledged the debt in writing, you are close to it being statute barred, after which time they could not pursue you for the debt.

 

If I were you I would just wait for them to get back in touch and see what they say next.

 

If you want to try and get a short settlement agreed, be very wary of their tactics, they may agree, you pay it and then they will pass the remaining debt on to another DCA to chase you!

 

Which is what may be about to happen to Lilythepink in the previous post! I am pretty sure I have read on here that Lowells specialise in buying debts that are close to being statute barred and of course once they have any written acknowledgement from you, the clock re-starts.

Link to post
Share on other sites

OMG, I hope they don't come after me. I can't take any more of this....... that was years ago, and I settled with them in 2005

THey can't default twice on an agreement, I still have all the paperwork......

LilythePink

If you liked what I said, and if it helped in any way, please tip my scales..... thank you:)

Link to post
Share on other sites

OMG, I hope they don't come after me. I can't take any more of this....... that was years ago, and I settled with them in 2005

THey can't default twice on an agreement, I still have all the paperwork......

 

Sorry, I really didn't mean to worry you, but they do have a nasty habit of coming back!

 

Did you get written confirmation that they accepted your payment as full and final settlement and wouldn't sell the shortfall on?

 

But if you paid it in 2005, it will be or close to being statute barred.

Link to post
Share on other sites

I would happily pay what I owe, But was not prepared to pay any of the charges

 

OK, if you want to pay anyone anything, then you ONLY pay the OC (cr@pone) DO NOT pay Lowlifes anything, it will only go into their pockets.

 

If cr@pone won't refund the charges then pay what you owe and stop paying.

 

Pay via standing order only.

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!

 

 

Link to post
Share on other sites

Hi & Thanks, But what would be the probable out come of that ?

 

Outcome of what?

Paying the OC and not the DCA?

 

The outcome of that would be you pay what you owe directly to the company who lent you the money.

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!

 

 

Link to post
Share on other sites

  • Recently Browsing   0 Caggers

    • No registered users viewing this page.

  • Have we helped you ...?


×
×
  • Create New...