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      We had a 10yr  finance contract for a boiler fitted July 2015.
       
      After a summer of discontent with ASG I discovered that if you have paid HALF the agreement or more you can legally return the boiler to them at no cost to yourself. I've just returned mine the feeling is liberating.
       
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      • 3 replies
    • Dazza a few months ago I discovered a good friend of mine who had ten debts with cards and catalogues which he was slavishly paying off at detriment to his own family quality of life, and I mean hardship, not just absence of second holidays or flat screen TV's.
       
      I wrote to all his creditors asking for supporting documents and not one could provide any material that would allow them to enforce the debt.
       
      As a result he stopped paying and they have been unable to do anything, one even admitted it was unenforceable.
       
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      They are not your friends and you owe them no loyalty or moral duty, that must remain only for yourself and your family.
       
      If it was me I would send them all a CCA request.   I would bet that not one will provide the correct response and you can quite legally stop paying them until such time as they do provide a response.   Even when they do you should check back here as they mostly send dodgy photo copies or generic rubbish that has no connection with your supposed debt.
       
      The money you are paying them should, as far as you are able, be put to a savings account for yourself and as a means of paying of one of these fleecers should they ever manage to get to to the point of a successful court judgement.  After six years they will not be able to start court action and that money will then become yours.
       
      They will of course pursue you for the funds and pass your file around various departments of their business and out to third parties.
       
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Lowell / Brian Carter claim form o2 mobile debt***Discontinued***


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Hi,

I am having a problem with Lowells, they have started legal action against me, its for £338,

they reckon I owe it for an O2 contract from over two years ago.

 

I had a disagreement with O2 as they gave me a duff phone, looks like they sold the debt but how do I know its kosha ?

 

I now have to admit to owing it and pay, or admit to half of it or disagree with the claim altogether.

 

In my defence (to be written on the court form) can I ask them to provide a consumer credit agreement ?

 

Thanks

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Can you let us know the issue date on the claim form - top right hand corner.

 

 

 

There is no agreement for a mobile phone contract, so there is little point in asking for one. However, you can ask them to provide a statement of account which shows how the debt has arisen.

 

If you can you let us know exactly what it says on the claim form - the reason they have issued the claim, then we can advise what documents/information you can request.

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

 

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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Thank you !

 

Issue date is 29/8/13

It says;

"This claim is for £329.05

the amount due under an agreement between the original creditor

and the defendant to provide finance and/or services and/or goods.

 

This debt was assigned to/purchased by lowells finance limited

 

On 31/05/2012 and notice served pursuant of the law of property act 1925

 

Particulars O2 (uk) Ltd

A/C no ............and the claimant claims £329.05

The claimant also claims interest pursuant to S69 county court act 1984

from 31/05/2012 to date at 8% per annum amounting to 32.73

 

then it says court fees 30.00 solicitors 50.00 Total £441.78

 

Thanks

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whilst awaiting help

 

tell us the story of the faulty phone please

 

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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If you have never received the Notice of Assignment then you can request a copy of that....

 

Regards

 

Andy

We could do with some help from you.

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The phone's screen cracked while it was on a table in the sun,

i asked them for a new phone as it was only 2 months old,

they said it was my fault as i was in a beer garden when it cracked,

i explained i was not drinking and the phone just cracked.

 

They were very obstinate on the phone to me,

i explained they had not fulfilled their contract as my phone was under warranty.

 

I refused to pay the bill,

they then sent the debt to some other firm i think then these people 'Lowells'

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I personally wouldnt go into too much detail within your defence ..simply refute or accept then expand as the claim progresses...you will have further opportunity within the process to detail.

 

Dont play all your cards on the first hurdle:wink:

 

Regards

 

Andy

We could do with some help from you.

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Difficult to say without sight of their particulars (verbatim)

 

Apologies post #3 give me a few mins

We could do with some help from you.

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###Particulars of Claim###

 

1.This claim is for £329.05 the amount due under an agreement between the original creditor and the defendant to provide finance and/or services and/or goods.

 

2.This debt was assigned to/purchased by lowells finance limited on 31/05/2012 and notice served pursuant of the law of property act 1925

 

3.Particulars O2 (uk) Ltd

A/C no ............and the claimant claims £329.05 The claimant also claims interest pursuant to S69 county court act 1984 from 31/05/2012 to date at 8% per annum amounting to 32.73

 

 

 

###Defence###

 

Paragraph 1 is denied the account referred to is in dispute.O2 failed to replace their phone after 2 months into the contract therefore service/s were irrelevant and unusable.

 

Paragraph 2 is denied neither the Original Creditor nor the Assignee have served Notice pursuant of the law of property act 1925.

 

Paragraph 3 is denied the as the Original Creditor was in breach of any agreement by failing to replace the equipment.

 

Further to the above it is denied with regards to the Defendant owing any monies to the Claimant and the Claimant is put to strict proof to:

 

(a) show how the Defendant has entered into an agreement with the Claimant; and

(b) show how the Defendant has reached the amount claimed for; and

© show how the Claimant has the legal right, either under statute or equity to issue a claim;

 

4. As per Civil Procedure Rule 16.5(4), it is expected that the Claimant prove the allegation that the money is owed.

 

5. On the alternative, if the Claimant is an assignee of a debt as stated, 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.

 

6. By reason of the facts and matters set out above, it is denied that the Claimant is entitled to the relief claimed or any relief.

 

Edit to suit...copy and paste into MCOL and print your receipt as proof of submission.

 

 

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 OTHERS

 

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  • 2 weeks later...
Update for you, had letter today from Brian Carter saying the claim has been discontinued !!

 

Thanks for ur help guys !

 

Just make sure the court are aware of this and arrange to send them a copy of BC's letter if necessary. Better safe than sorry.

We could do with some help from you.

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Excellent ocnnll...thread title amended to reflect the result.

 

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 OTHERS

 

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

 

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Excellent news :)

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

 

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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  • 7 months later...

Hi, i have now had a letter from Brian Carter saying that they have passed my details onto another company? How long can this go on for?It feels like harrassment now! Any ideas please?D

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I guess you could respond and ask them to cease their harrassment of you, especially in view of the fact they have discontinued their own claim.

 

You could advise further that if they continue with their harrassment of you, you will be making a complaint to the Financial Conduct Authority (previously the FSA)

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

 

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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