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    • Hi I have to agree with @unclebulgaria67 post#3 For the funding side of moving to a new area and it being private supported accommodation I would also suggest speaking to private supported accommodation provider about funding but also contact the Local Council for that area and have a chat with them about funding because if you are in receipt of Housing Benefit certain Supported Accommodation that meets a certain criteria is treated as ‘exempt accommodation’ for Housing Benefit purposes but you need to confirm this with that relevant Council in your new area especially since it is Private Supported Accommodation as each Council can have slightly different rules on this. If you have a certain medical condition look up the charities and also have a wee chat with them as they may be able to point you to different Grants to assist with moving costs and your question about funding for private supported accommodation as well.
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    • Hi Sorry for the delay in getting back to you The email excuse and I do say excuse to add to your account and if court decide LL can't recoup costs will be removed is a joke. So I would Ask them: Ask them to provide you with the exact terms within your Tenancy Agreement that allows them to add these Court Fees to your Account before it has been decided in Court by a Judge. Until the above is answered you require these Court Fees to be removed from your Account (Note: I will all be down to your Tenancy Agreement so have a good look through it to see what if any fees they can add to your account in these circumstances)
    • Thank you for your responses. As requested, some more detail. Please forgive, I'm writing this on my phone which always makes for less than perfect grammar. My Dad tries but English not his 1st language, i'm born and bred in England, a qualified accountant and i often help him with his admin. On this occasion I helped my dad put in his renewal driving licence application around 6 weeks before expiry and with it the disclosure of his sleep apnoea. Once the licence expired I told him to get in touch with his GP, because the DVLA were offering only radio silence at that time (excuses of backlogs When I called to chase up). The GP charged £30 for an opinion letter on his ability to drive based on his medical history- at the time I didn't take a copy of the letter, but I am hoping this will be key evidence that we can rely on as to why s88 applies because in the GP opinion they saw no reason he couldn't drive i need to see the letter again as im going only on memory- we forwarded the letter in a chase up / complaint to the DVLA.  In December, everything went quiet RE the sleep apnoea (i presume his GP had given assurance) but the DVLA noticed there had been a 2nd medical issue in the past, when my father suffered a one off mini stroke 3 years prior. That condition had long been resolved via an operation (on his brain of all places, it was a scary time, but he came through unscathed) and he's never had an issue since. We were able to respond to that query very promptly (within the 14 days) and the next communication was the licence being granted 2 months later. DVLA have been very slow in responding every step of the way.  I realise by not disclosing the mini stroke at the time, and again on renewal (had I known I'd have encouraged it) he was potentially committing an offence, however that is not relevant to the current charge being levied, which is that he was unable to rely on s88 because of a current medical issue (not one that had been resolved). I could be wrong, I'm not a legal expert! The letter is a summons I believe because its a speeding offence (59 in a temp roadworks 50 limit on the A1, ironically whist driving up to visit me). We pleaded guilty to the speeding but not guilty to the s87.  DVLA always confirmed to me on the phone that the licence had not been revoked and that he "May" be able to continue to drive. They also confirmed in writing, but the letter explains the DVLA offer no opinion on the matter and that its up to the driver to seek legal advice. I'll take the advice to contact DVLA medical group. I'm going to contact the GP to make sure they received the SAR request for data, and make it clear we need to see a copy of the opinion letter. In terms of whether to continue to fight this, or to continue with the defence, do we have any idea of the potential consequences of either option? Thanks all
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lowell chasing Lloyds 2007 CC debt - **agreed SB**


pigginpie
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nothing to 'get away' with

 

creditors have 6yrs to chase a debt

 

if they cant be bothered

 

or there are other reasons why they do not take

you to court in that time

 

that's THEIR PROBLEM, not yours to worry about,

 

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... 

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do it now

 

head them off at the pass

 

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... 

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You only EVER communicate with a DCA by letter..

 

never ever phone them

 

you cant do it email either

 

a CCA request has a £1 fee

that should be paid via a BLANK £1 PO

 

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... 

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Any advice i give is my own and is based solely on personal experience. If in any doubt about a situation , please contact a certified legal representative or debt counsellor..

 

 

If my advice helps you, click the star icon at the bottom of my post and feel free to say thanks

:D

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Any advice i give is my own and is based solely on personal experience. If in any doubt about a situation , please contact a certified legal representative or debt counsellor..

 

 

If my advice helps you, click the star icon at the bottom of my post and feel free to say thanks

:D

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Can you possibly post up a copy of this letter minus any personal data? I cannot see why you should contact this company at all.

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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sorry no scanner , i will type it out word for word later thanks , brig if i sennd a cca will they use that as an ack on the debt , also is debt managers ltd part of the lowell group too

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sorry no scanner , i will type it out word for word later thanks , brig if i sennd a cca will they use that as an ack on the debt , also is debt managers ltd part of the lowell group too

 

No a CCA is not an acknowledgment, it is a lawful request for information.

Not part of Lowell as far as I know have they been mentioned before.

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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No a CCA is not an acknowledgment, it is a lawful request for information.

Not part of Lowell as far as I know have they been mentioned before.

 

yes they was sending threat-o-grams for a short period , im pretty sure they may be clutching at straws surely they would of sent a court summons by now if they had everything they needed

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I agree, all I would like to see is the exact wording on Debt Managers please.

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dear mr pigginpie

 

debt managers reference xxxxxxxx

creditor lowell - lloyds

creditor reference xxxxxxxxxxx

outstanding balance £6981.99

 

we are advised by lowell group that your account is being assessed and that they

may recommend to the above creditor to consider initiating legal proceedings to recover the outstanding balance.

 

if court action is taken and a county court judgement is successfully obtained any associated solicitors fees and costs incurred

would be added to your balance. in addition your credit file would be updated to reflect deatails of any judgement obtained and

this may seriously affect your credit rating.

 

you may contact debt managers (services) ltd directly on 0843 216 3532 to discuss repayment of the outstanding balance or send your payment to debt mangers services 19 heriot row edinburgh eh3 6jr . you may also make a secure card payment online at http://www.dmpay.co.uk you should contact your card provider before using this method to check if there is a fee payable.

 

no further intimation will be sent to you from debt managers in this respect and this letter should recieve your immediate attention , if court action is not taken and you fail to respond to debt managers ltd your file may be passed to debt managers investigation bureau or doorstep agents

 

yours sincerly

 

a scribble

 

litigation department .

 

thats the letter word for word brig vertually the same as i got from russel & aitken solicitors

 

l

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Have you had any thing from Lowell regarding Debt Managers before?

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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Do the envelopes have a return address of Po Box8743, Bellshill, ML4 3WU on the back?

 

DM Ltd kept trying to threaten me with their random 'doorstep collectors' I never replied so they passed it onto the very successful 'Call Serve' AKA Credit Security Limited who have gone straight in with the believable 'We cannot trace receipt of your reply to our recent crayoning.

 

We DEMAND that the sum stated be sent direct to this office IMMEDIATELY using the payment slip below.

Your failure to comply (pah get real!) could result in a DEBT COLLECTOR calling upon you for payment.

 

Yours sincerely,

Squiggle

Collections Manager.

 

I bet he had the mickey taken out of him at school having a name like 'collections manager'!

 

That truthful intimidating missive was dated the 1st Oct 2012.... Not heard a dicky bird since... :noidea:

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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Have you had any thing from Lowell regarding Debt Managers before?

 

ive never really kept the letters but from memory its gone letters from dca's in this order lowells hamptons legal hamptons red debt managers russel aitken solicitors ?? all worded pretty simular

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ive never really kept the letters but from memory its gone letters from dca's in this order lowells hamptons legal hamptons red debt managers russel aitken solicitors ?? all worded pretty simular

 

Ok will put something together for you.

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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Do the envelopes have a return address of Po Box8743, Bellshill, ML4 3WU on the back?

 

DM Ltd kept trying to threaten me with their random 'doorstep collectors' I never replied so they passed it onto the very successful 'Call Serve' AKA Credit Security Limited who have gone straight in with the believable 'We cannot trace receipt of your reply to our recent crayoning.

 

We DEMAND that the sum stated be sent direct to this office IMMEDIATELY using the payment slip below.

Your failure to comply (pah get real!) could result in a DEBT COLLECTOR calling upon you for payment.

 

 

 

Yours sincerely,

Squiggle

 

 

 

Collections Manager.

 

I bet he had the mickey taken out of him at school having a name like 'collections manager'!

 

That truthful intimidating missive was dated the 1st Oct 2012.... Not heard a dicky bird since... :noidea:

 

again not sure on the po box numbers but letters have come from leeds west midlands & edinburgh seems to be a lot of passing around

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Good Morning Paul,

 

Before a draft the letter can you tell me the default date dd/mm/yy please I can get a better idea of the present status of the account?

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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