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    • 12mph (beyond any UK limit) will certainly qualify for a Fixed Penalty. So you should received an offer of a FP for each of the remaining two offences. Be sure to submit your licence details as instructed when you accept the offer. If you don't your £100 will be returned to you and the police will prosecute you in court.
    • and it will be also now written off under age related criteria anyway.
    • @dx100ukThanks for this! I'm still not clear if I'm facing more than 6 points on my license though. Can you explain any further please? When I accept the 2nd speeding ticket, will they just charge me £100 and 3 points, or will they be more severe consequences since that offense took place the following day of the 1st offense? Similarly, when I accept the 3rd offense, will they look at my record or just charge me with the £100 fine and 3 points? @Man in the middleI've been searching the forum and you seem very knowledgeable. Would you mind giving a look at my query please? Thanks in advance!!
    • Yes of course. That's why it says cc:: BIg Motoring World at the bottom. Don't imagine that this solves the issue. It doesn't. He not have to force the finance company and big motoring world to accept the rejection to give your money back. I suggest that you get the letter off tomorrow. And let us know what you hear but on Friday you should then send a threat to the finance company.   Have a look what I have said here about your options and read the whole thread as well.  
    • Been perusing the actual figures on the polls above wondering where the '16% claimed for deform comes from? I understand that there are 'weighted' end results based on secret calculations ...   Probably going to repeat this later, but remember that the ukip/brexit/reform/deform party has ALWAYS had poll speculation FAR better than their actual  performance at elections - by large margins. SO: The labor and Tory votes come largely from simply the people who say they will vote for them - sorted Lab 43% Tory 20%, with maybe another small 1-2% coming from the weightings of the 'not sures' Greens largely get what is declared from 'other' , although with another declared green bit from the 'pressed' question   So as the share of the voting displayed in 'other' granted to reform/deform is around 11%, where does the '16% too often being reported come from? Seems that reform has been granted as beneficiary of effectively ALL the don't knows and wont says, who when pressed didn't actually declare for someone else ... effectively adding 40%+ to their reported polling % - rather strange given their consistent under-performance compared to polling - or perhaps that is the cause of the higher rating eh?   Now I admit the possibility (probability?) of wingers being ashamed of declaring their support for the yuckey lemon end of the spectrum ... but surely  that should affect the 'Torys as well? Maybe the statisticians have simply weighted in that deform wingers are simply more likely to lie?   But - without 'weightings' and assumptions that faragits will get everything that isnt declared as a definite and unequivocal 'not that Piers Morgan' - reform is on around 11% it seems.   Add to that the history of polling a lot less than the hype - and the simple fact that faragit wingers seem to be spread across the country (presumably skulking in their moms spare room despite being 45+) and greens and lib dems seem to be community minded - I think two seats will be an epic result for farage. Hardly the opposition - far more raving wingnut party.   and importantly - Has farage got a home in clacton yet?
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      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.

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    • Housing Association property flooding. https://www.consumeractiongroup.co.uk/topic/438641-housing-association-property-flooding/&do=findComment&comment=5124299
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    • 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

Carter said i'll get court claim in 48hrs - next month got CCJ - nothing in between!!


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Hi all,

Got a letter from Bryan Carter this morning, dated 29/08/13

informing me that as I had not paid the monies owed to Lowell financial,

 

they have issued litigation proceedings in the county court .

 

I will receive the claim forms in the next 48 hours.

 

What does this mean? Have no idea what this debt is for and not had any previous communication

 

Any ideas?

Thanks

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No letters from any debt collection agencies??

 

Carter is known for misuse of the court system.

 

Get this sent today by recorded deliver.

 

FAO Bryan Carter

Bryan Carter Solicitors LLP

 

 

Date:............................:

 

Ref: use Carters

 

Dear Mr Carter,

 

I have received a threatening letter dated xx.xx.xxxxx in which Bryan Carter solicitors state that a court claim is about to be issued within 24 hours.

 

Take note I have no knowledge of any debt to your client and all liability is denied.

 

To send such a letter when NO previous contact has been made by your firm our your client will now result in a complaint to the SRA immediately.

 

I suggest you withdraw any claim immediately and also take not that any claim WILL be rigorously defended.

 

GET THIS AWAY NOW BY RECORDED DELIVERY.

Edited by ims21

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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what debt do lowlife claim you owe

 

who was the original creditor?

 

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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Carter just mentions Lowell, OP has not it seems received any previous correspondence.

 

Another instance of Carters misuse of the court system???

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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Carter just mentions Lowell, OP has not it seems received any previous correspondence.

 

Another instance of Carters misuse of the court system???

 

Hmm... Carter... Yes i think we are looking at another misuse of the system... Why are there not procedures in place to stop them from doing this.?

Then again i suppose the system is designed to offer anyone the opportunity to claim whatever....

 

Am i right in thinking Lowell buy (I mean buy to own) the debts and then they can just issue proceedings?

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Yes they can start proceedings, and Lowell are very keen on misusing the bankruptcy process by issuing Statutory Demands for Payment on debts just over the £750.00 threshold.

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!

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pandoradeus, when you receive the claim form (if indeed one has been issued) please let us know immediately.

 

We will need to know the issue date - top right hand corner and also exactly what it says on the claim form - the reason they are issuing the claim.

 

Would you be able to scan that letter from BC to the thread, please ? If you follow the instructions below, there should be no problems.

 

 

Dx100 – Instructions on uploading pdfs

Scan the required letters/agreements/sheets

as a picture file

remove all personal info including barcodes etc. using paint

but leave all figures and dates.

Go to one of the many free online pdf converter websites

convert the image to pdf format.

or if you have PDF as an installed printer drive use that

open a new message box here

hit go advanced below the message box

hit manage attachments below that box

hit the add files button on the top right

hit select files, navigate to your file on your pc

hit upload files

NB: you can set where it goes in the post by hitting insert inline.

Then hit reply button

 

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

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No letters from any debt collection agencies??

 

Carter is known for misuse of the court system.

 

Get this sent today by recorded deliver.

 

FAO Bryan Carter

Bryan Carter Solicitors LLP

 

 

Date:............................:

 

Ref: use Carters

 

Dear Mr Carter,

 

I have received a threatening letter dated xx.xx.xxxxx in which Bryan Carter solicitors state that a court claim is about to be issued within 24 hours.

 

Take note I have no knowledge of any debt to your client and all liability is denied.

 

To send such a letter when NO previous contact has been made by your firm our your client will now result in a complaint to the SRA immediately.

 

I suggest you withdraw any claim immediately and also take not that any claim WILL be rigorously defended.

 

GET THIS AWAY NOW BY RECORDED DELIVERY.

 

Thank you I will. But will have to do Monday morning. Does it mean they have already submitted papers or is it just a threatening letter?

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pandoradeus, when you receive the claim form (if indeed one has been issued) please let us know immediately.

 

We will need to know the issue date - top right hand corner and also exactly what it says on the claim form - the reason they are issuing the claim.

 

Would you be able to scan that letter from BC to the thread, please ? If you follow the instructions below, there should be no problems.

 

 

Yes of course. I won't be able to scan letter in just yet, in middle of moving and everything's in boxes but will be found and done ASAP

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Thank you I will. But will have to do Monday morning. Does it mean they have already submitted papers or is it just a threatening letter?

 

Unfortunately, this is something we don't know for sure.

 

In the letter did it suggest that you telephone them at all ? (This is the reason I suggested posting it up for us to see).

 

Bryan Carter has written letters before that imply that a Judgment has been awarded when no claim has ever been issued. Complaints have been made to the SRA which appears to be just another Industry Club and complaints to them never seem to go anywhere !

 

His letter dated 29th August suggests that you will receive the Claim form within 48 hours, in which case you should have received them today !

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

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Carter as people have found out over the years is predictable only in one way, withdrawing claims and passing the account back to his client at the first sign of a defence.

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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Carter as people have found out over the years is predictable only in one way, withdrawing claims and passing the account back to his client at the first sign of a defence.

 

Yep - got rid of him twice now with a simple challenge. Cretin!

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Unfortunately, this is something we don't know for sure.

 

In the letter did it suggest that you telephone them at all ? (This is the reason I suggested posting it up for us to see).

 

Bryan Carter has written letters before that imply that a Judgment has been awarded when no claim has ever been issued. Complaints have been made to the SRA which appears to be just another Industry Club and complaints to them never seem to go anywhere !

 

His letter dated 29th August suggests that you will receive the Claim form within 48 hours, in which case you should have received them today !

 

What the letter says is:

 

As you have failed to make repayments on the above account we have now issued litigation proceedings in the County Court. You will receive the claim form in the next 48 hours direct from the court. The claim form will show the following items have been added to the debt.

 

Principal balance 1381.99

Interest. 102.67

Court fees. 80.00

Solicitor costs. 65.00

Outstanding balance to pay now (in bold) 1381.99

 

You can telephone is on 0845 3133128 to discuss this matter

 

Please note that the claim includes the additional items set out above which Lowell Financial is entitled to recover. A proportion of any payment made may be allocated to your principal balance with the remainder being allocated to fees

Costs and interest if applicable. The principal balance will only be reflected on your credit file with the credit reference agencies.

 

If judgement is entered against you and remains unsatisfied it will remain on the Judgement Register for six years and you may have difficulty in obtaining further credit.

Yours sincerely!!

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Unfortunately, this is something we don't know for sure.

 

In the letter did it suggest that you telephone them at all ? (This is the reason I suggested posting it up for us to see).

 

Bryan Carter has written letters before that imply that a Judgment has been awarded when no claim has ever been issued. Complaints have been made to the SRA which appears to be just another Industry Club and complaints to them never seem to go anywhere !

 

His letter dated 29th August suggests that you will receive the Claim form within 48 hours, in which case you should have received them today !

 

No court papers arrived Saturday :-/

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No sign of court papers and advised letter sent recorded this morning. Wonder if he will bother replying...

Very predictable is Mr Cart:!:er

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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  • 2 weeks later...

fire him off this by recorded delivery in the morning.

 

adapt the following text to YOUR details.

DO NOT SIGN THE LETTER!

get a £1 BLANK Postal order

write on the back

for statutory £1 CCA FEE ONLY.

leave the payee BLANK

post the two off by 1st class post, get proof of posting from PO counter

they have 12+2 WORKING days to comply.

 

firm demanding money

 

street,

 

town,

 

county

 

postcode

 

 

 

Dear Sir/Madam

 

 

 

Re:- Account/Reference Number 12345678

 

I do not acknowledge any debt with your Company or Associates

 

This letter is a formal request pursuant to s.[77/78/79]

[***DELETE AS NECESSARY FOR YOUR TYPE OF ACCOUNT***

77/78 - everything bar HP agreemwnts, 79 for HP]

 

of the Consumer Credit Act 1974.

I require you to provide me with a true copy of the credit agreement relating to the above account, together with any other documentation the Act requires you to provide, including a detailed statement of the account.

 

 

 

I expect you to comply fully and properly with this request, within the statutory time limit. You are reminded that should you fail to comply with my request, the provisions of s.77 will apply.

 

 

 

If it is your view that you are not the creditor, s.175 of the CCA 1974 applies in the case of a simple assignment, and places a duty upon you to pass this request to the creditor. In the case of an absolute assignment, you are a creditor as defined by s.189. If you contend that you purchased the rights but not the duties of any agreement, you are reminded that s.189 of the Act is clear that an assignment is of both rights and duties.

 

 

 

Your attention is drawn to ss.5(2), 3(b),6 and 7 of the Consumer Protection From Unfair Trading Regulations 2008 (CPUTR).

 

 

 

I enclose a postal order in the sum of £1.00, which is the statutory fee. Note that these funds are not to be used for any other purpose.

 

 

 

If you are unable to comply fully and properly with this request, you should confirm this in writing at the earliest opportunity, and certainly within the statutory time limit for compliance, and return the fee.

 

 

 

We look forward to hearing from you.

 

 

 

Yours faithfully

 

Mr A N Other [PC print yourname - do NOT sign it!]

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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  • 1 month later...

I received a letter from Bryan Carter telling i was going to get court papers witin a couple of days months ago.

 

Nothing arrived

 

wrote to Bryan Carter and requesting a copy of original credit application,

and despite them returning postal order and telling me to get in touch with Lowell's, who they are acting on behalf of,

 

I have now received a CCJ.

 

I didn't get anything prior to returned postal order and ccj dropping on doormat.

 

Is there anything I can do?

 

I have no clue what this debt is for

 

Also received s letter from carters demanding payment in full by 20th of Nov despite ccj form stating £50 a month.

Any advice?.

Thankyou

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If you never ever received any of the court paperwork then you can make application to set a side the CCJ. You have not changed address recently?

 

Thread moved to Financial Legal Issues.

 

Regards

 

Andy

We could do with some help from you.

PLEASE HELP US TO KEEP THIS SITE RUNNING EVERY POUND DONATED WILL HELP US TO KEEP HELPING OTHER

 

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