Jump to content


  • Tweets

  • Posts

    • Thank-you dx, What you have written is certainly helpful to my understanding. The only thing I would say, what I found to be most worrying and led me to start this discussion is, I believe the judge did not merely admonish the defendant in the case in question, but used that point to dismiss the case in the claimants favour. To me, and I don't have your experience or knowledge, that is somewhat troubling. Again, the caveat being that we don't know exactly what went on but I think we can infer the reason for the judgement. Thank-you for your feedback. EDIT: I guess that the case I refer to is only one case and it may never happen again and the strategy not to appeal is still the best strategy even in this event, but I really did find the outcome of that case, not only extremely annoying but also worrying. Let's hope other judges are not quite so narrow minded and don't get fixated on one particular issue as FTMDave alluded to.
    • Indians, traditionally known as avid savers, are now stashing away less money and borrowing more.View the full article
    • the claimant in their WS can refer to whatever previous CC judgements they like, as we do in our WS's, but CC judgements do not set a legal precedence. however, they do often refer to judgements like Bevis, those cases do created a precedence as they were court of appeal rulings. as for if the defendant, prior to the raising of a claim, dobbed themselves in as the driver in writing during any appeal to the PPC, i don't think we've seen one case whereby the claimant referred to such in their WS.. ?? but they certainly typically include said appeal letters in their exhibits. i certainly dont think it's a good idea to 'remind' them of such at the defence stage, even if the defendant did admit such in a written appeal. i would further go as far to say, that could be even more damaging to the whole case than a judge admonishing a defendant for not appealing to the PPC in the 1st place. it sort of blows the defendant out the water before the judge reads anything else. dx  
    • Hi LFI, Your knowledge in this area is greater than I could possibly hope to have and as such I appreciate your feedback. I'm not sure that I agree the reason why a barrister would say that, only to get new customers, I'm sure he must have had professional experience in this area that qualifies him to make that point. 🙂 In your point 1 you mention: 1] there is a real danger that some part of the appeal will point out that the person appealing [the keeper ] is also the driver. I understand the point you are making but I was referring to when the keeper is also the driver and admits it later and only in this circumstance, but I understand what you are saying. I take on board the issues you raise in point 2. Is it possible that a PPC (claimant) could refer back to the case above as proof that the motorist should have appealed, like they refer back to other cases? Thanks once again for the feedback.
    • Well barristers would say that in the hope that motorists would go to them for advice -obviously paid advice.  The problem with appealing is at least twofold. 1] there is a real danger that some part of the appeal will point out that the person appealing [the keeper ] is also the driver.  And in a lot of cases the last thing the keeper wants when they are also the driver is that the parking company knows that. It makes it so much easier for them as the majority  of Judges do not accept that the keeper and the driver are the same person for obvious reasons. Often they are not the same person especially when it is a family car where the husband, wife and children are all insured to drive the same car. On top of that  just about every person who has a valid insurance policy is able to drive another person's vehicle. So there are many possibilities and it should be up to the parking company to prove it to some extent.  Most parking company's do not accept appeals under virtually any circumstances. But insist that you carry on and appeal to their so called impartial jury who are often anything but impartial. By turning down that second appeal, many motorists pay up because they don't know enough about PoFA to argue with those decisions which brings us to the second problem. 2] the major parking companies are mostly unscrupulous, lying cheating scrotes. So when you appeal and your reasons look as if they would have merit in Court, they then go about  concocting a Witness Statement to debunk that challenge. We feel that by leaving what we think are the strongest arguments to our Member's Witness Statements, it leaves insufficient time to be thwarted with their lies etc. And when the motorists defence is good enough to win, it should win regardless of when it is first produced.   
  • 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

Lowell to Advantis Default 6 year mark


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

Thread Locked

because no one has posted on it for the last 4144 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 all

 

Have a default from my bad years due to drop off on the 29th yesterday, still isnt showing as gone off credit file but i assume Experian take around 2-3 days after and Equifax 1 month?

 

Got a letter from Advantis saying their client Lowell passed the debt onto them and they will commence proceedings, send bailiffs etc etc in 7 days time

 

I have the statute barred letter ready as definatly not acknowledged or paid aything in 6/7 years

 

 

Of course I wont sign this letter and I'll send it recorded post and keep copy and tracking, but can they still push for CCJ ?

 

I guess im just concerned what if they still carry on pursuing me for this is there a follow up letter after statute barred letter or once i send them that I should just leave it and if there is a CCJ or further default put on then I can win easily?

 

Thankyou for any help , been reading forum for ages and i know there are a lot of good people on here and really helps reading the forums and learning never to get into this situation again.

Link to post
Share on other sites

it doesn't say they will

 

read it properly

 

the default date on your cra file has little ref to the SB date

 

that will typically be BEFORE the default date by at least 1 month

 

look on noddle under the payments history or the bal history

 

that should give you the actual SB date

 

dx

 

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... 

Link to post
Share on other sites

it doesn't say they will

 

read it properly

 

the default date on your cra file has little ref to the SB date

 

that will typically be BEFORE the default date by at least 1 month

 

look on noddle under the payments history or the bal history

 

that should give you the actual SB date

 

dx

 

dx

 

 

Im not sure what you mean about read it properly - their letter clearly says 7 days or may take further action against you. including recommending client further actions to apply for CCJ to recover outstanding debt ... (and it goes on about other means too )

 

Also Never thought of using that site is it safe?

 

There is me paying all this money for Experian and Equifax monthly to keep on top of things - going to check Noddle out as the CRA reports don't have last payment etc

 

I'm sure its well over 6 years

 

Thnakyou for the amazingly fast reply!

Link to post
Share on other sites

what i said , it says 'may' , 'recommending' ...... does not say WILL.,

 

noddle is call credit, so is safe

used it for years.

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... 

Link to post
Share on other sites

Yeah thanks for that signed up and good in a way but the default's not on there :)

 

They must be quicker than the others at removing it

 

What do i do now for the SB date? Its got to be over 6 years now or it wouldn't have dropped off right?

 

Also a bit of a shock there's a CCJ for £300 on there in my brothers address Ive never lived at ! We have same initials and i bet they just put it on at his address even though Ive never lived there :(

 

Do i have good chance at having this set aside - i mean CCJ over £300 due to come off in couple years!

 

I would have begged and borrowed if i had known.

Link to post
Share on other sites

you need to either phone the court

or look at www.trustonline.org.uk

 

if the ccj is not in your name

 

it needs to be removed from your cra file!

 

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... 

Link to post
Share on other sites

The default date can be often 5-6 months after the cause of action, ie, the date when a payment was due and not made and after which no further payment was ever made, so this debt could already be SB> the statement in the letter ''start proccedings, send bailiffs within 7 days'' is in fact meaningless the time scale is as follows:

 

Creditor/DCA issues a claim through the court system, you have a period of time to acknowledge the claim and enter a defence, should the claim continue after all the necessary stages have been met a hearing will be scheduled, if you loose the case and the judge makes an order which you then fail on at this point the creditor could see a warrent of execution if granted pass it to bailiffs to act on.

A LOT LONGER THAN 7 DAYS!!

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 default date can be often 5-6 months after the cause of action, ie, the date when a payment was due and not made and after which no further payment was ever made, so this debt could already be SB> the statement in the letter ''start proccedings, send bailiffs within 7 days'' is in fact meaningless the time scale is as follows:

 

Creditor/DCA issues a claim through the court system, you have a period of time to acknowledge the claim and enter a defence, should the claim continue after all the necessary stages have been met a hearing will be scheduled, if you loose the case and the judge makes an order which you then fail on at this point the creditor could see a warrent of execution if granted pass it to bailiffs to act on.

A LOT LONGER THAN 7 DAYS!!

 

Thankyou both for your replies

 

I see , having looked at it again I can see how they keep referring to Lowell , as in "we could instruct Lowell" to do x and y so they are literally chasing up for Lowell even though Lowell are themselves a DCA !

 

The default has fallen off my CRA files for both Noodle and Experian - should I send them a statute barred letter now and put some sort of line in there about no more contact and to delete all my data they hold?

 

Also once sent can/will they push for CCJ or do they know full well they cant as its SB?

 

Finally is there anyway to donate to this site as ive been reading it for years and would like to give back one day

Link to post
Share on other sites

you need to either phone the court

or look at www.trustonline.org.uk

 

if the ccj is not in your name

 

it needs to be removed from your cra file!

 

dx

 

 

Just to confirm the Aktiv Kapital CCJ is in my name but says my brothers address on CRA files , CCJ date is 2008 and I have never lived at my brothers or applied for credit there etc In fact ive just asked him and he only moved in there in 2007 !

 

If I apply to have it setaside in order to pay the debt - would this have high chance of being accepted?

If its not accepted does it reset the 6 years on the CJ so it comes off in another 6 years time or is it only for 2 years more?

Edited by reverof
Link to post
Share on other sites

if the claim forms etc were sent to the wrong addreess

 

then its a no brainer. set aside

that will put the debt back to the date before claim.

 

as for donating

it s at the bottom of every page on the right

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... 

Link to post
Share on other sites

if the claim forms etc were sent to the wrong addreess

 

then its a no brainer. set aside

that will put the debt back to the date before claim.

 

as for donating

it s at the bottom of every page on the right

dx

 

Great thanks - ill get that N form requested/filled in and send it off

 

Would something like this be suffice to put in it:

 

CCJ was applied at brothers address that I have never lived at or applied for credit at , in fact he himself only moved in around 1 year before the alleged CCJ was granted.

 

I would have paid this off had I known and had received any notice to defend myself in court against this CCJ

 

By the way reason i didn't know about this CJ is it doesn't show on one of the CRA report I use , only found it by looking at another

 

Finally if i was to fail in getting it setaside or if i satisfy it, does it reset the 6 years or will it still fall off at same date in couple years time ?

 

Will check out donating now for this excellent site.

Link to post
Share on other sites

Thankyou both for your replies

 

I see , having looked at it again I can see how they keep referring to Lowell , as in "we could instruct Lowell" to do x and y so they are literally chasing up for Lowell even though Lowell are themselves a DCA !

 

The default has fallen off my CRA files for both Noodle and Experian - should I send them a statute barred letter now and put some sort of line in there about no more contact and to delete all my data they hold?

 

Also once sent can/will they push for CCJ or do they know full well they cant as its SB?Hi

 

I will PM you a letter formatted for your particular case just a little later.

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

Thankyou both for your replies

 

I see , having looked at it again I can see how they keep referring to Lowell , as in "we could instruct Lowell" to do x and y so they are literally chasing up for Lowell even though Lowell are themselves a DCA !

 

The default has fallen off my CRA files for both Noodle and Experian - should I send them a statute barred letter now and put some sort of line in there about no more contact and to delete all my data they hold?

 

Also once sent can/will they push for CCJ or do they know full well they cant as its SB?Hi

 

I will PM you a letter formatted for your particular case just a little later.

 

Thankyou so so much ill pm you what i have so far

Link to post
Share on other sites

 

Thankyou so so much ill pm you what i have so far

Ok I'll start on it as soon as I get the info.

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

  • 4 weeks later...

Been meaning to update post etc when i heard back from Advantis Credit (on behalf of Lowell) however haven't head anything , no letter etc but had a alert on credit reports and logged in to see search on my credit file ( removed exact date for privacy ) :

Searched on: (NOV)/2012

 

 

 

Searched by: LOWELL PORTFOLIO 1 LTD

 

 

 

Application type:UNRECORDED ENQUIRY

 

 

 

 

I have no idea why they are searching my file - please could anyone advise on what you think is happening and also are they allowed to do this?

 

I will of course keep this updated as things happen so others in same situation get a idea of process etc.

Link to post
Share on other sites

H1i rev, UR searches have no impact usually ID searches, but it's hard to tell with Lowell at the moment.

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

  • 4 weeks later...

I've had similiar issues with Lowell (and the various associated bottom feeding companies), it has now gone to Advantis.Advantis btw, are rather sneaky, they are using a number that makes it look like a mobile calling. I had a call from them today (07814 041968) telling me I owed £500+ (it originally was £79)This relates to a phone I had from "3" and sent back. Hutchinson 3G did not pick it up from the sorting office, and after some time of me trying to trace it, I tracked it down and resent it.They have been chasing for a considerable amount of time, after the first 4 years of sending evidence proving I had sent it back AND the sim had never been activated, it just kept getting passed along the chain until it reached the worse types.Advantis advised me they were recording the call. I advised them I also was :) I told them I did not owe it, they came back with "we'll put you are refusing to pay" I reinterated there was nothing to pay, so I could hardly be refusing. They asked for evidence, I recounted I had sent evidence for the last 4 years, it was not upto them to gain the evidence from the company that passed the details, and to correspond with me in writing in future.I've had the same letters sent for at least the last 6 months from them, all saying the same. I challenged to take me to court if they felt they could prove that I owed this money and if they were very sure they were not breaching their DCA requirements. They of course came back with "well we are considering it" to which I replied that I felt that was excellent and looked forward to the Judge making a decision once and for all, and hoped they enjoyed a day out at court with no postive outcome for them.They know they don't have a leg to stand on, they rely on the fact that they think people don't understand they have rights. For me, CAG has been an absolute diamond mine of information to help me with these DCA's.TracyS

Edited by TracyS72
Link to post
Share on other sites

  • Recently Browsing   0 Caggers

    • No registered users viewing this page.

  • Have we helped you ...?


×
×
  • Create New...