Jump to content


  • Tweets

  • Posts

    • I was once involved in a claim where someone denied the LBA was sent and it made the day at court more stressful. Do you think there is a reason they would admit they got it, but decide not to reply?
    • When you send a letter of claim – it gives a certain deadline after which you will take action. At the expiry of the deadline – you take the action you threatened. You don't send them reminders
    • I emailed Creation to confirm they have the LBA yesterday.   "I sent you a Letter Before Action over 14 days ago. I can see no reply by post or by email. The next step is for me to issue court proceedings. Unless you confirm that a response to the LBA has been sent by 16:50 tomorrow I will be issuing court proceedings at that time.   A copy of this email will be provided to the court in respect of costs."   Today I received this.   "Thank you for your email, please accept my apologies for the delay in replying.   We have received your Letter Before Action and we have no further comment to make at this stage.   Kind regards"     As such I have issued a claim against them for damages for breach of contract and misrepresentation. I cannot quite understand why they would accept getting and LBA and be so blase about ignoring it!    
    • Quite clearly he doesn't want the car back otherwise he would have picked it up by now, and with all due respect you clearly haven't read the link I posted earlier. I notified him within the 14 day period, in fact some 3 days after the car had been delivered and 2 days after me actually seeing the car/invoice etc so within plenty of time. I have been fully aware of my rights since the start and I am not about to just send him the car back, just because. In any event, he has been less than accommodating to his responsibilities to provide me with a suitable resolution,  of which I have said since the 3rd day after delivery of the vehicle,  and no I didn't have to give a reason, however, there are many which I told him on the 3rd day after delivery.  He has thus far not complied, which takes me to where I am now. 
    • I think Bankfodder is right but, to make things easier for yourself... have you made it clear to Dell from the outset that you are dealing with them as a consumer, and are you sure that they are aware of that?   I ask because it's like buying stuff from "Trade only" outlets.  You get a better deal if you are a trade purchaser rather than a bog-standard consumer.  You seem to have got what you consider to be a very good price deal from Dell, and I'm wondering whether that's because they are under the mistaken impression that you qualify for a package that is only available to business purchasers.   If you start trying to assert any consumer rights, you might find that they say they were mistaken in making the offer to you in the first place and withdraw it.  You then find yourself arguing over that too.
  • Our picks

    • @curryspcworld @TeamKnowhowUK - Samsung 75 8K TV - completely broken by Currys. https://www.consumeractiongroup.co.uk/topic/426151-samsung-75-8k-tv-completely-broken-by-currys/&do=findComment&comment=5069075
      • 4 replies
    • @skinnyfoodco Skinny Foods. https://www.consumeractiongroup.co.uk/topic/426130-skinny-foods/&do=findComment&comment=5068996
      • 8 replies
    • I’m in desperate need of help
       
      I bought some clothes online in may through Evans and paid through PayPal
      returned them all seven days later
       
      I waited the 14days for my refund and no refund came
      I put in a dispute through PayPal but I didn’t get any emails to escalate the case - PayPal closed it. 
      evans said they couldn’t refund the money because PayPal have cancelled the refund because of the open dispute
       
      I contacted PayPal
      they said the dispute had been closed but Evans at no point had attempted a refund.
      fast forward to today
       
      I’ve got copies of numerous messages sent to and from twitter messages as it’s the only way I can contact them
      I’ve also contacted their customer service too
      all I get is PayPal have cancelled refund because dispute is still open.
       
      I have proved that the dispute is closed
      I have got an email saying that if Evans sent the refund they would accept it
      but up until the date I got the email they have not once attempted a refund .
       
       I have sent them a letter before court email
      I have even offered to have the full refund as a gift card just to get this sorted !
       
      I’m literally at the end of my tether and don’t know where to turn next !
       
      i suffer with mental health issues and this is affecting my health and I’d saved the money for a year to buy these clothes as I’m on a low income .
    • In desperate need of help. https://www.consumeractiongroup.co.uk/topic/425244-in-desperate-need-of-help/&do=findComment&comment=5067040
      • 29 replies

Lowells/Lewis Investigation Services - Statutory Demand - Help Please


Please note that this topic has not had any new posts for the last 2496 days.

If you are trying to post a different story then you should start your own new thread. Posting on this thread is likely to mean that you won't get the help and advice that you need.

If you are trying to post information which is relevant to the story in this thread then please flag it up to the site team and they will allow you to post.

Thank you

Recommended Posts

Today we have had a letter in the post saying that Lewis intend on serving a statory demand next week with a day and time and they also state that they will post through the door if we arent there.

 

I think it could be an old Barclaycard and no payment has been made for some time, but not long enough for it to be SB.

 

Help what do we do, as we are going away camping and I need it sorted before we go, or wont relax

 

Thank you

Link to post
Share on other sites

Just had a look at paperwork and this has been passed around to lots of different DCA's and the last letter we had from Lowells was last year and offering a 50% reduction. Then this letter and nothing in between. I dont have any other paperwork, no original agreement but I do know this was taken out over 11 years ago

Link to post
Share on other sites

Not a great surprise using SD's as a tool for debt collection, just shows you how desperate these children are now.

 

Thats you first complaint to the OFT.

 

Check your credit file, see if anything is on their.

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

Will check credit file when hubby gets in as need his card to do it. What should I be writing to OFT please and should I be requesting copies of all the documents as never requested CCA or anything else and no notice of assignment for Lowells

Link to post
Share on other sites

Checked credit file and Lowells is listed on there, defaulted in 2010. But the original creditor says satisfied, suppose that was when Lowells bought it out.

 

 

The balance has gone up by just under £200 and dont know why. Original agreement was in the 90's

 

Been reading around the forums and going to CCA Lowells tomorrow in preparation for the SD arriving next week and will SARS the OC, but know thats unlikely to come through any time soon. I am sure its made up of lots of charges and thats why they offered a 50% reduction.

Edited by Craftygirl42
Link to post
Share on other sites

When did you take out the card? If it was post 2007 then CCA request will pretty well be redundant, esp if you opened this online.

 

But you can still do it, if for nothing else to slow lowlifes down and make them realise they're not in control.

 

SAR to the OC is a V.good idea, so as to find out exactly what is owed, and what is charges/fees that you can reclaim.

 

Then once you know what is physically owed then you can set up a standing order to pay sharklaycard direct ignoring lowlifes and making them redundant.

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

Right we have had the SD and was wondering would we jeopardise our position if we attempted to agree a payment plan with them. I dont think they will accept, but worried about losing our house

Link to post
Share on other sites

What is it with lowlifes issuing SD's like confetti??

 

You need to acknowledge the SD, and then put in a defence, DON'T allow lowlifes to win this despicable vermin!

 

I'm out of my depth with SD's but plenty of others will be able to help you defeat them.

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

Bazooka - thank you for your support. Its just going to attend court is very difficult for us as its over 30 miles away to the one who they have put on the SD.

 

I was just wondering if I can sort it by making a payment offer

Link to post
Share on other sites

If the court is not your local or nearest one, then you CAN have it moved to one which is suitable to you.

 

Please don't feel bullied into paying money you might not owe, especially to these clowns.

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

You can look here to see if the court nearest to you handle bankruptcies / insolvencies - http://www.justice.gov.uk/about/hmcts There is a drop down list of courts, find the nearest one to you and see if they do indeed handle these cases (bearing in mind a number of courts have closed / transferred cases to those which aren't closing. I presume it isn't statute barred, have you sent off the CCA request ?

  • Confused 1

PLEASE NOTE - I am not a legal expert, what is stated is my own opinion and from what I have learnt from this forum and my own experiences.

 

DEBT COLLECTION LETTER/SAR/AGREEMENT TEMPLATES ARE HERE - http://www.consumeractiongroup.co.uk/forum/content.php?65-legislation

 

IF WE HAVE BEEN HELPFUL -PLEASE, PLEASE, PLEASE GIVE A DONATION TO HELP US TO CONTINUE HELPING YOU

 

I AM HAPPY TO RECEIVE PM's AND I WILL RESPOND IF I FEEL I CAN ASSIST BUT WHEN YOU DO CAN YOU PLEASE PROVIDE A LINK TO YOUR THREAD ON WHICH YOU WOULD LIKE ME TO COMMENT - THANK YOU

 

IMPORTANT - If you are sent a private message directing you for advice or support with your issues to another website,this is your choice.

Before you decide,consider the users here who have already offered help and support.

Private message facilities are offered for users to communicate issues that are/or could be seen to be inappropriate for posting on the main forum.Site rules explain this in more detail.

If you are approached by private message with a view to asking you to visit another website,please inform the site team via the report icon.

 

Forum rules - http://www.consumeractiongroup.co.uk/forum/forum-rules-please-read/9-forum-rules-please-read.html

Link to post
Share on other sites
Just looked and there is one nearer that deals with it, can anyone tell me how I get it moved to there please

 

 

Please don't take any notice of any courts that a creditor puts on a SD.

 

At the moment, no court knows anything about this. This is just a piece of paper that they have printed off and filled in your details.

 

It is NOT a case of getting it ''moved'' to your nearest court - it hasn't been anywhere near a court yet

 

In fact, it is YOU that will be commencing court proceedings against them. So, if you choose to get this set aside then you just fill in the details of your local court that handles bankruptcies.

Link to post
Share on other sites

Thank you Nicklea and 42man. Just got back from camping and now to deal with this. So I just send the forms to the local court, I live on the borders of two counties and the one thats in my postal county is quite a long way from me. I am going to deal with this Monday and sort out the statement.

 

Yes 42man the CCA request has been sent and surprise surprise not a dickey bird and neither have they answered an offer letter that was sent to them last weekend. So going for the set aside that has to be in by the end of the week, will post next day delivery to the court

Link to post
Share on other sites

PLEASE NOTE - I am not a legal expert, what is stated is my own opinion and from what I have learnt from this forum and my own experiences.

 

DEBT COLLECTION LETTER/SAR/AGREEMENT TEMPLATES ARE HERE - http://www.consumeractiongroup.co.uk/forum/content.php?65-legislation

 

IF WE HAVE BEEN HELPFUL -PLEASE, PLEASE, PLEASE GIVE A DONATION TO HELP US TO CONTINUE HELPING YOU

 

I AM HAPPY TO RECEIVE PM's AND I WILL RESPOND IF I FEEL I CAN ASSIST BUT WHEN YOU DO CAN YOU PLEASE PROVIDE A LINK TO YOUR THREAD ON WHICH YOU WOULD LIKE ME TO COMMENT - THANK YOU

 

IMPORTANT - If you are sent a private message directing you for advice or support with your issues to another website,this is your choice.

Before you decide,consider the users here who have already offered help and support.

Private message facilities are offered for users to communicate issues that are/or could be seen to be inappropriate for posting on the main forum.Site rules explain this in more detail.

If you are approached by private message with a view to asking you to visit another website,please inform the site team via the report icon.

 

Forum rules - http://www.consumeractiongroup.co.uk/forum/forum-rules-please-read/9-forum-rules-please-read.html

Link to post
Share on other sites

If we agree to a payment plan to hold off having to go to Court for the set aside, are we able to still put the account in dispute if they dont respond to the CCA request, which was sent approx 2 weeks ago, so will be in breach about the time the Set Aside is due in. Just trying to work out what is the best way forward for us. I do realise they have sent the SD to get us to contact them and to make a payment.

Link to post
Share on other sites

Hi CG....a payment plan isn't always a reason for them not progressing a stat demand to petition stage, as you will know there are many issues surrounding credit agreements, ppi, default notices, charges etc etc correct terminations etc, if you strengthen your resolve and are not afraid to show the judge that you are setting aside against this horrible company's methods, then (and providing you get a half decent judge) you will get it set aside. Only you can make that decision. A Judge should set aside if (there are triable issues) you can show through your defence and higher court cases, and their breach of OFT regulations and a clear breach of CPUTR2008 in line with their association body's code of conduct.

PLEASE NOTE - I am not a legal expert, what is stated is my own opinion and from what I have learnt from this forum and my own experiences.

 

DEBT COLLECTION LETTER/SAR/AGREEMENT TEMPLATES ARE HERE - http://www.consumeractiongroup.co.uk/forum/content.php?65-legislation

 

IF WE HAVE BEEN HELPFUL -PLEASE, PLEASE, PLEASE GIVE A DONATION TO HELP US TO CONTINUE HELPING YOU

 

I AM HAPPY TO RECEIVE PM's AND I WILL RESPOND IF I FEEL I CAN ASSIST BUT WHEN YOU DO CAN YOU PLEASE PROVIDE A LINK TO YOUR THREAD ON WHICH YOU WOULD LIKE ME TO COMMENT - THANK YOU

 

IMPORTANT - If you are sent a private message directing you for advice or support with your issues to another website,this is your choice.

Before you decide,consider the users here who have already offered help and support.

Private message facilities are offered for users to communicate issues that are/or could be seen to be inappropriate for posting on the main forum.Site rules explain this in more detail.

If you are approached by private message with a view to asking you to visit another website,please inform the site team via the report icon.

 

Forum rules - http://www.consumeractiongroup.co.uk/forum/forum-rules-please-read/9-forum-rules-please-read.html

Link to post
Share on other sites

If you offer repayment it starts the statute barred clock again.

PLEASE NOTE - I am not a legal expert, what is stated is my own opinion and from what I have learnt from this forum and my own experiences.

 

DEBT COLLECTION LETTER/SAR/AGREEMENT TEMPLATES ARE HERE - http://www.consumeractiongroup.co.uk/forum/content.php?65-legislation

 

IF WE HAVE BEEN HELPFUL -PLEASE, PLEASE, PLEASE GIVE A DONATION TO HELP US TO CONTINUE HELPING YOU

 

I AM HAPPY TO RECEIVE PM's AND I WILL RESPOND IF I FEEL I CAN ASSIST BUT WHEN YOU DO CAN YOU PLEASE PROVIDE A LINK TO YOUR THREAD ON WHICH YOU WOULD LIKE ME TO COMMENT - THANK YOU

 

IMPORTANT - If you are sent a private message directing you for advice or support with your issues to another website,this is your choice.

Before you decide,consider the users here who have already offered help and support.

Private message facilities are offered for users to communicate issues that are/or could be seen to be inappropriate for posting on the main forum.Site rules explain this in more detail.

If you are approached by private message with a view to asking you to visit another website,please inform the site team via the report icon.

 

Forum rules - http://www.consumeractiongroup.co.uk/forum/forum-rules-please-read/9-forum-rules-please-read.html

Link to post
Share on other sites
  • 1 year later...

Just a little update on this as been dragging on for a long time.

 

The SD scared the life out of us as we own our own house with some equity, so decided to agree a payment plan with them. We also requested a copy of the agreement which we not supplied with. We decided earlier this year to stop the payments and explained that we didn't think this agreement was enforceable. Today after its taken them some months to investigate our complaint they have written to us saying they have written the account off and it now has a zero balance.

 

I am angry that they put us through the stress on an unenforceable account and threatened us with bankruptcy but glad in the end I found the courage to fight them at their own game

Link to post
Share on other sites

Good news then! However if it were me, I would be demanding a refund of any money you might have paid them.

You did report them didn't 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
  • 2 weeks later...

Well done, as for requesting a refund of monies paid then I think this is going to be difficult, bereft of any court case or hard proof / evidence of any excessive pressure then I think you will have to let the payments you made go.

PLEASE NOTE - I am not a legal expert, what is stated is my own opinion and from what I have learnt from this forum and my own experiences.

 

DEBT COLLECTION LETTER/SAR/AGREEMENT TEMPLATES ARE HERE - http://www.consumeractiongroup.co.uk/forum/content.php?65-legislation

 

IF WE HAVE BEEN HELPFUL -PLEASE, PLEASE, PLEASE GIVE A DONATION TO HELP US TO CONTINUE HELPING YOU

 

I AM HAPPY TO RECEIVE PM's AND I WILL RESPOND IF I FEEL I CAN ASSIST BUT WHEN YOU DO CAN YOU PLEASE PROVIDE A LINK TO YOUR THREAD ON WHICH YOU WOULD LIKE ME TO COMMENT - THANK YOU

 

IMPORTANT - If you are sent a private message directing you for advice or support with your issues to another website,this is your choice.

Before you decide,consider the users here who have already offered help and support.

Private message facilities are offered for users to communicate issues that are/or could be seen to be inappropriate for posting on the main forum.Site rules explain this in more detail.

If you are approached by private message with a view to asking you to visit another website,please inform the site team via the report icon.

 

Forum rules - http://www.consumeractiongroup.co.uk/forum/forum-rules-please-read/9-forum-rules-please-read.html

Link to post
Share on other sites
  • Recently Browsing   0 Caggers

    No registered users viewing this page.


  • Have we helped you ...?


×
×
  • Create New...