Jump to content


  • Tweets

  • Posts

    • The Notice to Hirer does not comply with the protection of Freedoms Act 2012 Schedule  4 . This is before I ask if Europarks have sent you a copy of the PCN they sent to Arval along with a copy of the hire agreement et. if they haven't done that either you are totally in the clear and have nothing to worry about and nothing to pay. The PCN they have sent you is supposed to be paid by you according to the Act within 21 days. The chucklebuts have stated 28 days which is the time that motorists have to pay. Such a basic and simple thing . The Act came out in 2012 and still they cannot get it right which is very good news for you. Sadly there is no point in telling them- they won't accept it because they lose their chance to make any money out of you. they are hoping that by writing to you demanding money plus sending in their  unregulated debt collectors and sixth rate solicitors that you might be so frightened as to pay them money so that you can sleep at night. Don't be surprised if some of their letters are done in coloured crayons-that's the sort of  level of people you will be dealing with. Makes great bedding for the rabbits though. Euro tend not to be that litigious but while you can safely ignore the debt collectors just keep an eye out for a possible Letter of Claim. They are pretty rare but musn't be ignored. Let us know so that you can send a suitably snotty letter to them showing that you are not afraid of them and are happy to go to Court as you like winning.  
    • They did reply to my defence stating it would fail and enclosed copies of NOA, DN Term letter and account statements. All copies of T&C's that could be reconstructions and the IP address on there resolves to the town where MBNA offices are, not my location
    • Here are 7 of our top tips to help you connect with young people who have left school or otherwise disengaged.View the full article
    • My defence was standard no paperwork:   1.The Defendant contends that the particulars of claim are generic in nature. The Defendant accordingly sets out its case below and relies on CPR r 16.5 (3) in relation to any particular allegation to which a specific response has not been made. 2. Paragraph 1 is noted. The Defendant has had a contractual relationship with MBNA Limited in the past. The Defendant does not recognise the reference number provided by the claimant within its particulars and has sought verification from the claimant who is yet to comply with requests for further information. 3. Paragraph 2 is denied. The Defendant maintains that a default notice was never received. The Claimant is put to strict proof to that a default notice was issued by MBNA Limited and received by the Defendant. 4. Paragraph 3 is denied. The Defendant is unaware of any legal assignment or Notice of Assignment allegedly served from either the Claimant or MBNA Limited. 5. On the 02/01/2023 the Defendant requested information pertaining to this claim by way of a CCA 1974 Section 78 request. The claimant is yet to respond to this request. On the 19/05/2023 a CPR 31.14 request was sent to Kearns who is yet to respond. To date, 02/06/2023, no documentation has been received. The claimant remains in default of my section 78 request. 6. It is therefore denied with regards to the Defendant owing any monies to the Claimant, the Claimant has failed to provide any evidence of proof of assignment being sent/ agreement/ balance/ breach or termination requested by CPR 31.14, therefore the Claimant is put to strict proof to: (a) show how the Defendant entered into an agreement; and (b) show and evidence the nature of breach and service of a default notice pursuant to Section 87(1) CCA1974 (c) show how the claimant has reached the amount claimed for; and (d) show how the Claimant has the legal right, either under statute or equity to issue a claim; 7. As per Civil Procedure Rule 16.5(4), it is expected that the Claimant prove the allegation that the money is owed. 8. On the alternative, as the Claimant is an assignee of a debt, it is denied that the Claimant has the right to lay a claim due to contraventions of Section 136 of the Law of Property Act and Section 82A of the consumer credit Act 1974. 9. By reasons of the facts and matters set out above, it is denied that the Claimant is entitled to the relief claimed or any relief.
    • Monika the first four pages of the Private parking section have at least 12 of our members who have also been caught out on this scam site. That's around one quarter of all our current complaints. Usually we might expect two current complaints for the same park within 4 pages.  So you are in good company and have done well in appealing to McDonalds in an effort to resolve the matter without having  paid such a bunch of rogues. Most people blindly pay up. Met . Starbucks and McDonalds  are well aware of the situation and seem unwilling to make it easier for motorists to avoid getting caught. For instance, instead of photographing you, if they were honest and wanted you  to continue using their services again, they would have said "Excuse me but if you are going to go to Mc donalds from here, it will cost you £100." But no they kett quiet and are now pursuing you for probably a lot more than £100 now. They also know thst  they cannot charge anything over the amount stated on the car park signs. Their claims for £160 or £170 are unlawful yet so many pay that to avoid going to Court. When the truth is that Met are unlikely to take them to Court since they know they will lose. The PCNs are issued on airport land which is covered by Byelaws so only the driver can be pursued, not the keeper. But they keep writing to you as they do not know who was driving unless you gave it away when you appealed. Even if they know you were driving they should still lose in Court for several reasons. The reason we ask you to fill out our questionnaire is to help you if MET do decide to take you to Court in the end. Each member who visited the park may well have different experiences while there which can help when filling out a Witness statement [we will help you with that if it comes to it.] if you have thrown away the original PCN  and other paperwork you obviously haven't got a jerbil or a guinea pig as their paper makes great litter boxes for them.🙂 You can send an SAR to them to get all the information Met have on you to date. Though if you have been to several sites already, you may have done that by now. In the meantime, you will be being bombarded by illiterate debt collectors and sixth rate solicitors all threatening you with ever increasing amounts as well as being hung drawn and quartered. Their letters can all be safely ignored. On the odd chance that you may get a Letter of Claim from them just come back to us and we will get you to send a snotty letter back to them so that they know you are not happy, don't care a fig for their threats and will see them off in Court if they finally have the guts to carry on. If you do have the original PCN could you please post it up, carefully removing your name. address and car registration number but including dates and times. If not just click on the SAR to take you to the form to send to Met.
  • 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

lowells bankruptcy pertition *** dismissed ***


style="text-align: center;">  

Thread Locked

because no one has posted on it for the last 4210 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

Lowells are trying to extort £850 out of my wife for an old vodafonelink3.gif bill

 

the actual amount she owes is £350 and its been in dispute since 2008.

 

She out of the blue got papers through the post saying a date had been fixed for her hearing at the county courtlink3.gif for wed 10th october 2012.

 

we contacted them saying it was in dispute and that they had not served a statutory demand

 

after much going back and forth they said they would adjurn the court date while they investigate

 

I asked that they put that in writing or email which they said they would do.

 

having not received anything

 

I contacted them on friday to find that the court date was still going ahead.

 

I contacted the court who told me I was now out of time to do anything and my wife must attend court

I know realise lowells were just stalling.

 

I have been in contact with national debt helpline they have advised that I get the debt below £750.

and that way they cant make her bankrupt

 

they said that buys time to then fight it via oft and offcom.

 

With court fee's the current balance is about £1250.

 

so I have got together about £600.

 

to get it below the £750.

 

threshold and today tried to pay it and they refused saying it had gon to litigation and the litigation dept was closed.

 

so my question is if I phone up 8am monday morning to make a payment of £600 can they again refuse it forcing a court appearance?

Link to post
Share on other sites

  • Replies 53
  • Created
  • Last Reply

Top Posters In This Topic

Top Posters In This Topic

This thread was started on MSE. OP is defending a SD/(petition?) on his wife and is trying to pay sufficient to reduce the amount owing to less than £750. OC has locked the account so is frustrating his efforts.

 

Hearing is on Wednesday.

 

Ideally OP can make payments and submit evidence of the same for the hearing Wednesday and avoid penalty.

 

Please advise.

 

Original thread on MSE:

http://forums.moneysavingexpert.com/showthread.php?t=4217717

Link to post
Share on other sites

So was a Stat demand not actually served on Steve ?

 

How the hell can he make an attempt to set aside, if no documents were received ?

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

Uploading documents to CAG ** Instructions **

Looking for a draft letter? Use the CAG Library

Dealing with Customer Service Departments? - read the CAG Guide first

1: Making a PPI claim ? - Q & A's and spreadsheets for single premium policy - HERE

2: Take back control of your finances - Debt Diaries

3: Feel Bullied by Creditors or Debt Collectors? Read Here

4: Staying Calm About Debt  Read Here

5: Forum rules - These have been updated - Please Read

BCOBS

1: How can BCOBS protect you from your Banks unfair treatment

2: Does your Bank play fair - You can force your Bank to play Fair with you

3: Banking Conduct of Business Regulations - The Hidden Rules

4: BCOBS and Unfair Treatment - Common Examples of Banks Behaving Badly

5: Fair Treatment for Credit Card Holders and Borrowers - COBS

Advice & opinions given by citizenb are personal, are not endorsed by Consumer Action Group or Bank Action Group, and are offered informally, without prejudice & without liability. Your decisions and actions are your own, and should you be in any doubt, you are advised to seek the opinion of a qualified professional.

PLEASE DO NOT ASK ME TO GIVE ADVICE BY PM - IF YOU PROVIDE A LINK TO YOUR THREAD THEN I WILL BE HAPPY TO OFFER ADVICE THERE:D

Link to post
Share on other sites

the papers are headed "Creditors bankruptcy petition on failure to comply with a statutory demand for a liquidated sum payable immediately"

 

It then goes on to quote name address etc

 

and says as follows "[the debtors centre of main interest is in england and wales. The debtor is resident in england and wales. I am presenting this petition to this county court because (g) rule 6.9A applies [and within 6 months immediately preceding its presentation (g) the debtor has not carried on business in england and wales but has resided in england and wales and for the longest of the period during which the debtor was resident in england and wales within that 6 month period, the debtor resided in the district of this county court]]

 

3 The debtor is truly indebted to us in the aggregate sum of £846.75

 

4 The above mentioned debt is for a liquidated sum payable immediately and the debtor appears to be unable to pay it

 

5 on 15th june 2012 a statutory demand was served upon the debtor by substituted service in respect of the above mentioned debt. to the best of my knowledge and belief the demand has neither been complied with nor set aside in accordance with the rules and no application to set it aside is outstanding.

 

6 we do not nor does any person on our behalf hold any security on the debtors estate or any part thereof for the payment of the above mentioned sum.

 

it then goes on to list the date and time of hearing.

Link to post
Share on other sites

Ah, so they are claiming a Stat Demand WAS served - do they say how.. post - or by process server ?

 

If you did indeed receive one of these, it would have been at that time that you needed to have set it aside.

 

If you didnt receive it, then I am not quite sure what you need to do in order to prevent the hearing going ahead. Your thread has been flagged for site team.

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

Uploading documents to CAG ** Instructions **

Looking for a draft letter? Use the CAG Library

Dealing with Customer Service Departments? - read the CAG Guide first

1: Making a PPI claim ? - Q & A's and spreadsheets for single premium policy - HERE

2: Take back control of your finances - Debt Diaries

3: Feel Bullied by Creditors or Debt Collectors? Read Here

4: Staying Calm About Debt  Read Here

5: Forum rules - These have been updated - Please Read

BCOBS

1: How can BCOBS protect you from your Banks unfair treatment

2: Does your Bank play fair - You can force your Bank to play Fair with you

3: Banking Conduct of Business Regulations - The Hidden Rules

4: BCOBS and Unfair Treatment - Common Examples of Banks Behaving Badly

5: Fair Treatment for Credit Card Holders and Borrowers - COBS

Advice & opinions given by citizenb are personal, are not endorsed by Consumer Action Group or Bank Action Group, and are offered informally, without prejudice & without liability. Your decisions and actions are your own, and should you be in any doubt, you are advised to seek the opinion of a qualified professional.

PLEASE DO NOT ASK ME TO GIVE ADVICE BY PM - IF YOU PROVIDE A LINK TO YOUR THREAD THEN I WILL BE HAPPY TO OFFER ADVICE THERE:D

Link to post
Share on other sites

Steve. I don't want to tread on the toes of the experts here (and I am well out of my depth on Bankruptcy rules).

 

But I am going to offer you my thoughts on what I would do as a Plan B just in case the site team can't help you in time for Wednesday.

 

You should phone the litigation team in the morning and offer to make a lump sum payment and also offer a sum in monthly payment that will pay the debt off. You will do this in return for them discontinuing (hopefully) or "staying" if not discontinuing. If they insist that costs are included in the sum now, I think you have no choice but to agree.

 

I am pretty sure they will not accept anything that does not include a proposal to pay the full amount.

 

Time is very tight here and I think you have run out of time to submit a defence (I think 7 days is required for bankruptcy proceedings).

 

You have to somehow get "litigation" to stop the hearing on Wednesday.

 

I truly hope the guys here can give you a Plan A - or improve on my Plan B. But if not, I think the above is at least a plan.

Link to post
Share on other sites

Steve. I don't want to tread on the toes of the experts here (and I am well out of my depth on Bankruptcy rules).

 

But I am going to offer you my thoughts on what I would do as a Plan B just in case the site team can't help you in time for Wednesday.

 

You should phone the litigation team in the morning and offer to make a lump sum payment and also offer a sum in monthly payment that will pay the debt off. You will do this in return for them discontinuing (hopefully) or "staying" if not discontinuing. If they insist that costs are included in the sum now, I think you have no choice but to agree.

 

I am pretty sure they will not accept anything that does not include a proposal to pay the full amount.

 

Time is very tight here and I think you have run out of time to submit a defence (I think 7 days is required for bankruptcy proceedings).

 

You have to somehow get "litigation" to stop the hearing on Wednesday.

 

I truly hope the guys here can give you a Plan A - or improve on my Plan B. But if not, I think the above is at least a plan.

 

Cheers Mate if they accept £550. tomorrow its not a problem as it will then be below the £750, threshold for bankruptcy.

 

If they dont if I have read the petition right we can fight on a few fronts firstly they should never of gone down this road as the amount is in dispute and they have never complied with our request for a copy of the letter of assignment for the debt or sent any other proof that we owed them. Second we could never set aside the statutory demand as we were never aware of it and the first we knew of the hearing was when we received the paperwork. Thirdly when we got the paperwork we contacted them to say if they billed us for the true amount owed we would pay without further delay, they led us to believe the hearing would be adjurned while they investigated and would confirm in writing we waited for that confirmation and when this didnt come through we phoned them on friday this is when we found out the hearing was still going ahead meaning it was to late to raise a defence. I believe they stalled things knowing what they were doing as they now need to go for bankruptcy to guarantee their costs. I'm hoping if the hearing does go ahead the judge allows my wife to put forward her side of the story and throws it out as they have at best acted shabbily at worst criminally. Also in the paperwork it says they have taken the action as they believe my wife is unable to pay this is clearly not true as we tried paying yesterday and will be trying again tomorrow.

Link to post
Share on other sites

Getting the debt below £750 won't necessarily stop a bankruptcy order being made. The £750 limit applies at the date the petition was issued, not the date it is heard. It is perfectly possible to be bankrupted for less than £750, so I wouldn't go with that as a plan.

 

Cheers Mate;( I'm at my wits end with this now I had enough to get it below £750.00 dont know what were going to do now

Link to post
Share on other sites

Getting the debt below £750 won't necessarily stop a bankruptcy order being made. The £750 limit applies at the date the petition was issued, not the date it is heard. It is perfectly possible to be bankrupted for less than £750, so I wouldn't go with that as a plan.

 

Cheers Mate;( I'm at my wits end with this now I had enough to get it below £750.00 dont know what were going to do now

Link to post
Share on other sites

If you pay the £550 you will certainly get an adjournment to to give you time to raise the remainder of the petition debt. How long would you need to raise the other £300? You only have to be concerned about the £850 petition debt at the moment, not the costs. You cannot be bankrupted if you have paid the petition debt off in full; it is likely a costs order would also be made against you but that would not form part of the petition debt.

Link to post
Share on other sites

If you pay the £550 you will certainly get an adjournment to to give you time to raise the remainder of the petition debt. How long would you need to raise the other £300? You only have to be concerned about the £850 petition debt at the moment, not the costs. You cannot be bankrupted if you have paid the petition debt off in full; it is likely a costs order would also be made against you but that would not form part of the petition debt.

 

you have now made me happy;) I could have the other £300 by the end of the month

Link to post
Share on other sites

If you pay the £550 you will certainly get an adjournment to to give you time to raise the remainder of the petition debt. How long would you need to raise the other £300? You only have to be concerned about the £850 petition debt at the moment, not the costs. You cannot be bankrupted if you have paid the petition debt off in full; it is likely a costs order would also be made against you but that would not form part of the petition debt.

 

you have now made me happy;) I could have the other £300 by the end of the month

Link to post
Share on other sites

Absolutely no problem then. You should even be able to get Lowell to agree to, say, a 2 month adjournment on payment of the £550. Even if you don't, you will have no trouble persuading the judge to do just that. Good luck!

 

In your experience mate can Lowells refuse to accept our payment of £550 tomorrow? as I think they are going to try and get us to pay the costs they have shelled out.

Link to post
Share on other sites

They cannot insist on you paying the costs in order to avoid a bankruptcy order being made. The only relevant amount when it comes to deciding whether a bankruptcy order should be made or not is the petition debt, i.e. £850. I can't believe they would refuse to take a payment of £550 with a promise of the remaining £300 being paid within a month; if they do, just make sure you turn up at the hearing and explain that to the judge, they will get absolutely slaughtered.

Link to post
Share on other sites

If it was me in your position, then I would seek an adjournment, ready to prepare for a dismissal of the petition....you say that the account has been in dispute since 2008. And I can imagine that the dispute would probably take the debt below the £750 threshold. The payment to reduce the amount may not stop the bankruptcy and you may be hit with a big costs bill. The Office Of Fair Trading will be very interested to hear of your story so it is imperative that you do tell them. It seems that they haven't served the demand (it should say on an affadavit from the process server how they had attempted service)....Have you had any problems with the postal service around the time they state the demand was served ? Are any of the houses next to you empty or were at the time of the demand being 'served'....Do you have a communial entrance / postbox ?

Link to post
Share on other sites

And Lowells will not be reasonable at this stage. You will need from 6.19 with an accompanying affadavit (where you can state that the stat demand has not been served and fine details of the dispute from 2008). The affadavit will need to be 'sworn in' either at the court where your hearing is (or at a local solicitor which costs usually about £5 - Central London courts charge £12 I believe). Unfortunately you are running short of time. When they said they would adjourn did they put that in writing ? (probably not) Your wife must attend and request an adjournment to give you a little more time to get your 6.19 together.

If you have evidence that your dispute from 2008 is valid (excessive charges would probably take it below £750 perhaps ?, or do you have any recourse against Vodafone such as a refund ?). DOn't rely on Ofcom or the OFT actually physically fighting it for you....but you should make them aware.

Link to post
Share on other sites

Thanx guys it looks like all is sorted I have today made a payment and told them the rest will be paid by the end of the month, they have said they will seek an adjurnment on wednesday where we are going to seek a dismissal as the case should never have got to there in the first place. I left them this morning telling them I would not be paying theyre costs and I'm only paying the £850 as at this stage I see very little option and that if I dont hear by email that they intend to dismiss the case I will be making the court aware of their tactics to date.

 

I will give you an update when I know more;)

Link to post
Share on other sites

  • Recently Browsing   0 Caggers

    • No registered users viewing this page.

  • Have we helped you ...?


×
×
  • Create New...