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    • I'm at work now but promise to look in later. Can you confirm how you paid the first invoice?  It wasn't your fault if the signal was so poor and there was no alternative way to pay.  There must be a chance of reversing the charge with your bank.  There are no guarantees but Kev  https://find-and-update.company-information.service.gov.uk/company/09766749/officers  has never had the backbone to do court so far.  Not even in one case,  
    • OK  so you may not have outed yourself if you said "we". No matter either way you paid. Snotty letter I am surprised that they were so quick off the mark threatening Court. They usually take months to go that far. No doubt that as you paid the first one they decided to strike quickly and scare you into paying. Dear Chuckleheads  aka Alliance,  I am replying to your LOCs You may have caught me the first time but that is  the end. What a nasty organisation you are. You do realise that you now have now no reason to continue to pursue me after reading my appeal since you know that my car was not cloned. Any further pursuit will end up with a complaint to the ICO that you are breaching my GDPR.  Please confirm that you have removed my details from your records. ------------------------------------------------------------------------------------------------------------------------------------------------------------ I haven't gone for a snotty letter this time as they know that you paid for your car in another car park. So using a shot across their bows .  If it doesn't deter them and they send in the debt collectors or the Court you will then be able to get more money back from them for  breachi.ng your data protection than they will get should they win in Court-and they have no chance of that as you have paid. So go in with guns blazing and they might see sense.  Although never underestimate how stupid they are. Or greedy.
    • Thank you. Such a good point. They did issue all 3 before I paid though. I only paid one because I didn’t have proof of parking that time, only for two others.    Unfortunately no proof of my appeal as it was just submitted through a form on their website and no copy was sent to me. I only have the reply. I believe I just put something like “we made the honest mistake of using the incorrect parking area on the app” and that’s it. Thanks again for your help. 
    • They are absolute chuckleheads. You paid but because you entered a different car park site also belonging to them they are pursuing you despite them knowing what you had done. It would be very obvious to everyone, including Alliance that your car could not have been in two places at the same time. Thank you for posting the PCN so quickly making it a pity that you appealed since there are so many things wrong with it that you as keeper are not liable to pay the charge. They rarely accept appeals since that would mean they lose money but they have virtually no chance of beating you in Court. Very unlikely that they will take you to Court given the circumstances. Just in case you didn't out yourself as the driver could you please post up your appeal.
    • Jasowter I hope that common sense prevails with Iceland and the whole matter can be successfully ended. I would perhaps not have used a spell checker just to prove the dyslexia 🙂 though it may have made it more difficult to read. I noticed that you haven't uploaded the original PCN .Might not be necessary if the nes from Iceland is good. Otherwise perhaps you could get your son to do it by following the upload instructions so that we can appeal again with the extra ammunition provided by the PCN. Most of them rarely manage to get the wording right which means that you as the keeper are not liable to pay the charge-only the driver is and they do not know the name and address of the driver. So that would put you both in the clear if the PCN is non compliant.
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Lowell Financial keep buying my debts....and looking at my credit card file.


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About 6 months ago i received a letter regarding two previous debts which were 6 months away from being statute barred.

 

I had not started reading this site at that time, and therefore entered into a payment arrangement with them albeit with hefty discounts......

 

I have received a letter from Equidebt today saying they have sold the debt to Lowell. they consist of 1 credit card debt, 1 loan and 1 current account which were all with smile. the date of default was 17th July 2007.

 

Not sure when the last payment was made to them. possibly December....

 

Their did seem to be an awful lot of searches from Lowell recently almost like they are actively purchasing debts because i've started paying off others.

 

Any advice please ?

 

 

thanks kev

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Your debts are not individually sold on, debts are sold/purchased in massive portfolio.

So have you been paying anything at any time regarding the debts sold to Lowell?

Any Letters I Draft are N0T approved by CAG and no personal liability is accepted.

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Discounts??

 

Can you list these debts, and anything that has been discounted should be seriously looked at as these are most likely full of reclaimable fees and charges or even PPI.

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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There are 2 other debts from barclays which i started paying 6 months ago.

Lowell appear to have purchased the above 3 debts from equidebt claycard(originally co-op debts)

The debts are as follows for co-op

 

1) 789 credit card

2) 5k loan

1921 current account..

 

thanks for your help guys

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Off who? Lowell?

 

When was the loan and CC taken out?

 

And are there any charges on any of the three accounts?

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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  • 2 weeks later...

Hi guys and girls I've sent three CCA request's on 15th November one for each of the above accounts to Lowell using the template and 3 x £1.00 Postage stamps. All defaults appear to have been removed however today i've had a letter from Red saying that they have been asked to collect the money on Lowells behalf. I think this relates to a current account? What is my nest step. it appears they've had the cca request and then passed the debt on immediately?

 

Thanks again

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Red is Lowell, so is Hamptons Legal, all designed and passed around these Companies just to confuse you.

 

If this is for a Current Account, then it is exempt from a CCA request.

 

Stigman

NEVER telephone a DCA

If a DCA rings you, refuse to go through the security questions & hang up!

 

If I have helped you, click on the star & say thank you

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This is a current account and an overdraft. So I should send a subject access request?

 

Yes,

 

Subject Access Request to the Original Creditor NOT to Lowell's!

Enclose a £10 postal order, this will give you a full account history including charges and the correct Balance.

The Original Creditor has 40 calender days to comply and send you all of the information.

Letter for the SAR is in the Library section, top tool bar in green.

 

Stigman

NEVER telephone a DCA

If a DCA rings you, refuse to go through the security questions & hang up!

 

If I have helped you, click on the star & say thank you

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If you could go back to the beginning of your thread and please start answering some of the questions posed then maybe I'll be able to advise accordingly, you first say that they offered huge discounts, then three posts down say they didn't, I'm confused.

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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  • 3 weeks later...

Sorry Bazooka, the debts i was offered discounts related to Severn Trent & Barclays bank both of which have now been paid off.

 

The three debts which i have been written to about since paying Severn Trent & Barclays off are for egg. The information has now disappeared off of my credit report however looking at a previous one it shows the following.

 

Company Equidebt Limited. Started 16/01/2004

Account type: CC/SC

Default Date 02/07/2007

Default Balane £789.00

 

Account two

 

Company Equidebt Limited. Started 16/01/2004

Started 22/01/2004

Account type cc/sc

Default date 02/07/2007

Balance 1921

 

Account three

 

Account start date 12/01/2004

Opening balance £ 5,709

Repayment frequency Monthly

Date of default 02/07/2007

Default balance £ 5,709

 

I sent a CCA request on all three accounts on 15th November, and have had letters for each account saying they are in contact with Co-Op and waiting for a response from them. Since then they have written again for all three accounts saying they are still waiting on the information from smile but wont be in touch again until they receive it from Co-Op. They have not offered any discounts on the three accounts in question above.

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Sorry Bazooka, the debts i was offered discounts related to Severn Trent & Barclays bank both of which have now been paid off.

 

The three debts which i have been written to about since paying Severn Trent & Barclays off are for egg. The information has now disappeared off of my credit report however looking at a previous one it shows the following.

 

Company Equidebt Limited. Started 16/01/2004

Account type: CC/SC

Default Date 02/07/2007

Default Balane £789.00

 

Account two

 

Company Equidebt Limited. Started 16/01/2004

Started 22/01/2004

Account type cc/sc

Default date 02/07/2007

Balance 1921

 

Account three

 

Account start date 12/01/2004

Opening balance £ 5,709

Repayment frequency Monthly

Date of default 02/07/2007

Default balance £ 5,709

 

I sent a CCA request on all three accounts on 15th November, and have had letters for each account saying they are in contact with Co-Op and waiting for a response from them. Since then they have written again for all three accounts saying they are still waiting on the information from smile but wont be in touch again until they receive it from Co-Op. They have not offered any discounts on the three accounts in question above. Also strangely all 3 accounts have disappeared off of experien but not off of noddle.

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Hi Brig,

 

What is your advice now? Also i've just realised that Bryan Carter managed to get a partial CCJ for £297.00 for one of these date. And i've also now gone through my bank statements and made payments to Bryan Carter. Two times £50.00 per month for 7 months with the final one being in April 08 No idea which one it relates to as i can't seem to tally the original account numbers with Lowell's.

 

Thanks for all of your help

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http://www.consumeractiongroup.co.uk/forum/content.php?436-Failure-to-provide-a-copy-of-the-agreement-within-the-prescribed-timescale.

 

Send them that, via 2nd class post but obtain proof of posting which is free from the PO counter, and ignore.

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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Thanks Boo,

 

 

Did i read somewhere that you can't make a partial claim in a ccm? Is it best not to poke the beast the ccj falls off my credit report in june and i believe i've paid the amount for the partial claim off.

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Yes I think you should leave it.

On another Tack how many times have Lowell searched your credit files and over what time span?

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:

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15 times since february....

 

Were these searches at any time concentrated in to say 4 or 5 a day over a short period?

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:

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I've copied them out below some were up to 3 times on one day. Do these searches damage your credit file?

 

 

 

Searched on: 24/10/2012

Searched By: LOWELL PORTFOLIO 1 LTD

Application Type: Unrecorded Enquiry

 

Searched on: 24/10/2012

Searched By: LOWELL PORTFOLIO 1 LTD

Application Type: Unrecorded Enquiry

 

Searched on: 24/10/2012

Searched By: LOWELL PORTFOLIO 1 LTD

Application Type: Unrecorded Enquiry

 

Searched on: 19/06/2012

Searched By: LOWELL PORTFOLIO 1 LTD

Application Type: Unrecorded Enquiry

Entry Number: P21

 

Searched on: 25/05/2012

Searched By: LOWELL PORTFOLIO 1 LTD

Application Type: Unrecorded Enquiry

Entry Number: P22

 

Searched on: 25/05/2012

Searched By: LOWELL PORTFOLIO 1 LTD

Application Type: Unrecorded Enquiry

 

Searched on: 19/05/2012

Searched By: LOWELL PORTFOLIO 1 LTD

Application Type: Unrecorded Enquiry

 

Searched on: 18/05/2012

Searched By: LOWELL PORTFOLIO 1 LTD

Application Type: Unrecorded Enquiry

 

Searched on: 18/05/2012

Searched By: LOWELL PORTFOLIO 1 LTD

Application Type: Unrecorded Enquiry

 

Searched on: 05/05/2012

Searched By: LOWELL PORTFOLIO 1 LTD

Application Type: Unrecorded Enquiry

 

Searched on: 04/05/2012

Searched By: LOWELL PORTFOLIO 1 LTD

Application Type: Unrecorded Enquiry

 

Searched on: 14/03/2012

Searched By: LOWELL PORTFOLIO 1 LTD

 

Searched on: 28/02/2012

Searched By: LOWELL PORTFOLIO 1 LTD

Application Type: Unrecorded Enquiry

 

Searched on: 28/02/2012

Searched By: LOWELL PORTFOLIO 1 LTD

Application Type: Unrecorded Enquiry

 

Searched on: 28/02/2012

Searched By: LOWELL PORTFOLIO 1 LTD

Application Type: Unrecorded Enquiry

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Not unrecorded searches no.

 

But anymore than 1 a day I would say is excessive? But then again, DCA's and CRA's are one of the same, they are in each others pockets and pay each other to do searches and allow data to be placed on credit files correct or not!

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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