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    • Yes typed it, how would I input it any other way, probably timed out took over half hour. H
    • You typed it in? actually typed it all out? if so, maybe you took too long or something, like session timed out. Does the status show defence filed or no change?
    • Hi just typed all defence clicked next and it's deleted all. Any help
    • I forgot to say, there is one last possibility and that is that they will receive your letter of rejection and simply fold, accept the rejection and refund you. Don't wait too long for this. Seven days maximum – but in that seven days you could send your letter of claim anyway and when that you don't hear from them or when they start mucking around at least you are seven days closer to beginning the legal action – and they will know it (which is the important thing).
    • Okay that is excellent that you have an email between the garage and the warranty company confirming that there is a serious problem with the gearbox. That is very powerful evidence. I think the situation is this: you have sent them a letter of rejection but the reputation of big motoring world is that they won't take a lot of notice and they will try to prevaricate and maybe even blame you. Clearly you don't want the car any more and anyway it sounds as if the cost of repairs is going to be enormous. You don't know if the warranty company is going to step up to the mark but the whole thing is going to take a long time and I understand that you have lost confidence in big motoring world because of this event and also their reputation which you are now discovering on Facebook and on this forum and no doubt elsewhere. On the basis that you don't want the car any more and you want your money back, you need to hurry things along. I think the first thing is that you need to decide if you are prepared to bring a claim in the County Court. Even without the warranty money, the claim is worth more than £10,000. For actions less than £10,000, you bring a "small claim" and this means that even if you lose the case you won't be liable for the other side's costs. If you win the case then not only will you get your money plus interest but also you will recover all of the costs of the action. For actions more than £10,000, you go to something called the "fast track" and in the event that you lose the case, then you could be liable to reimburse the winner some of the costs. This means that in addition to not recovering your own money, you would lose your own court fees and also you would have to to bear the costs of the other side probably something less than £5000 – but as a rough guess. If you bring your court claim then your chances of success are almost 100%. Frankly if you brought a court claim then I can imagine that big motoring world will put their hands up and pay you out rather than face go to court and losing and getting a judgement against them. However, it you need to consider that this is a risk factor – although my view it is a negligible risk factor. If you did bring a court case, it wouldn't be instant. If they put their hands up then it would probably happen very quickly. If they didn't put their hands up then you could take anything up to a year for the matter to be resolved and during that time you would be without your car and without your money and in the middle of litigation. I'm explaining this to you say that you understand how it works. Bring a court case would be really the last resort when everything else has failed. However, I'm quite certain that you would win and it would be stupid of big motoring world to try to resist. In order to bring a court case you would have to send a letter of claim giving them 14 days to accept rejection and organise the refund otherwise you would begin the claim. Don't imagine that you could bluff this. If you did send a letter of claim then you would have to go through with it otherwise you lose all credibility and you might as well pack up and go home. So with this in mind, here are possible courses of action you could take. You can simply wait and see what their reaction to your letter of rejection will be. However they may not reply or else they may find some other reason to delay and of course during that time you will be without your car and without your money blah blah blah, not knowing if big motoring world were going eventually to start acting sensibly and respectfully towards you. The second thing you can do – and I think this has been suggested on Facebook – is that you can go along there and simply make yourself present and talk to other customers and generally speaking make a nuisance of yourself and embarrass them to the point where you would be explaining to other potential customers to be careful, to look on Facebook, and to do some careful research before they put their business to big motoring world. This has a reasonable chance of success although you would have to be careful. You should go accompanied by a friend and there should be no anger, no arguments, nothing that could be considered as being overly aggressive so that big motoring world would have no justification in kicking you out or even worse, calling the police. If you did this, then I would suggest that you record everything on the telephone carried in a pocket. A fully charged battery will probably keep a voice recorder and a telephone going for more than 20 hours or 30 hours. The other person can video any incidents so that everything is clear and you can inform big motoring world then it will be going up on the Internet. If you did this, my favourite option would be to issue the letter of claim giving them 14 days, and then going along to big motoring world with a copy of your letter of rejection and a copy of the exchange between the mechanic and the warranty company and a copy of your letter of claim – all settled together – and probably about 20 or 30 copies in all and I would start handing them out to any customers who came in. Big motoring world will soon get the picture and they will either move your the premises in which case you stand outside and carry on doing it or they will finally give in. Of course there is a chance that they won't give in and they will simply call your bluff – but in that case I think you have no choice other than to follow through with your 14 day threat in the letter of claim and to begin the legal action. At the same time you should be putting up reviews on Google and also trust pilot explaining exactly what has happened and also explaining that the mechanic has confirmed to the warranty company that there is the serious problem, that you have asserted the right to reject and that this is been ignored by big motoring world and that you have now sent a letter of claim and that you will be starting a legal action in 14 days. Once again, don't bluff about the legal action. If you threaten it – then you must mean it – and on day 15 you click of the claim. You don't need a solicitor for any of this. It's all fairly straightforward and of course we will help you all the way that it the decision is yours to make and I think you need to make it fairly quickly. I think the cost of starting an action for about £13,000 is 5% and then also if it goes to trial which I would say is almost impossible – there would be an additional fee. You would claim interest at 8%. A judge might award a lower figure but frankly if you can show that big motoring world is attempting to ride roughshod over your very clear statutory consumer rights, I can imagine that the judge will want to show displeasure by awarding the full 8% which is a pretty good rate – even though it's not compensation for the hassle and the distress you are going through. If you decide to get solicitor, then if you win the case, because it is over £10,000 you will recover some of your costs but you won't recover all of them. If the solicitor begins by having exchanges of letters then I doubt whether you will be up to recover the cost of those and you could easily find that you're chalking up 500 quid or even a thousand simply on initial exchanges of correspondence. Also you need to bear in mind that if after having exchanges with a solicitor, big motoring world cave in – then you definitely won't get those costs back because you won't have gone to court and therefore a judge will not have made the order for payment of those costs. I suggest very strongly that you avoid paying any money for a solicitor and that you do it yourself. It's not a big deal – although you will have to you react quickly to the help we offer on this forum. Also, an additional benefit is that you will learn a lot and you will gain confidence and eventually you will feel good about suing anybody else who gets in your way. Nothing not to like! If you do decide to instruct a solicitor then you must take control of the solicitor. Most of them prefer to sit in an office writing letters on the clock. If you do decide to instruct a solicitor then you must instruct the solicitor very firmly that they should send one letter of complaint giving seven days. A second letter – a letter of claim giving 14 days and that they must then begin the action. If you don't do this. If you don't take control then it will simply cost you money, you will be without your car even longer and of course without your money. The whole thing is a nightmare. I think I've laid out the options but please do ask questions. I hope you can see that this is the kind of advice that you won't be getting on Facebook. Nothing against Facebook. It's good as a meeting place and to make people realise that they aren't on their own – but after that the advice given is weak and confusing.  
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Lowell chasing close to SB Barclaycard debt


Irishson
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Hello all.

 

I have been getting the occasional letter from Lowell now over the past couple of months,

well over a year and they're onto Red Collect Blah Blah.

 

It's for a credit card I had years ago,

 

now I checked Noddle last night and I have a default every single month on my file from Lowell!

 

I wasn't even aware they are able to default, but the original default was in May 2008

so if I bide my time to May does this mean it should come off my credit report

because by then it will be 6 years old?

 

Also if I were to pay it off in full will it still drop of my report in May as it still would be 6 years old?

 

Also I have a debt for an overdraft on my report which will be 6 years old in November

so just to check does this mean it will come off in November

as I believe it's 6 years from the date of the original default which was in November 2007?

 

Any advice would be great!

 

Irishson

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Yes ALL defaults 'should' auto drop off your file (CRF) after 6 years from the date they were placed on their.

 

Your OD who is that with? And how much of that is charges?

 

Who is the credit card (CC) with?

If it has got to this stage of the game and lowlifes have it and are passing it from one desk to the other then there is clearly something wrong with it, OC's don't wait nearly six years to collect on a debt if they think they can get it back.

 

Be wary of lowlifes at the minute as they're getting quite litigious of late, not that that should worry you at all.

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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My credit card was with barclaycard, and the balance is £600, so the last letter I got from red said if I ignore they are assessing if the can make me bankrupt although it says in the letter that the debt has to be over £750 for them to do that?

 

The overdraft was with Lloyd's no idea if it's with anyone else, it was £1600 but the Noddle balance is £2227, so around £600 in charges I'm guessing.

 

Should I pay through Lowell?

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NO NO NO!!

 

PAY NOONE, just yet! And certainly not these cowboys.

 

If Lowell/Red/Hamptons/Tocatto or whatever name they are using this week is threatening you with BR, and you have it in writing, then that itself is grounds for a serious complaint to the OFT & TS.

You are correct, the min limit for BR is £750.

 

If this is a CC then I bet there is plenty of fess and charges which can be reclaimed from it, which will bring the total outstanding down.

 

When did you take this CC out? Pre or post 2007?

 

The OD can be argued, are Lloyds demanding payment off you for this yet?

On your CRF what name is next to the default entry?

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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The credit card was taking out in July 2005.

 

The last letter I got from Lowell/Red was fairly generic, simply saying they will access my cra to see if they can make me bankrupt, but the letter itself says only if the debt is over £750, so they already contradicted themselves.

 

The OD, info simply says Lloyd's, by the default no other information as to who has it?

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Then that is the first thing to do.

 

Write to them and say that you require them to supply you with a copy of the alleged original signed credit agreement. You have to send them £1 and I would send a postal order so they don't get a cheque with your signature.

 

There is a template you can use, but I have only ever sent any of the DCAs a one line request as above.

 

You can also point out that the £1 is payment for the copy of the credit agreement and is not to be considered as a payment towards the alleged debt.

 

As you were in a shopping centre it may well be that what you signed was an application form without all the required conditions.

 

They will probably send you some kind of reconstituted agreement saying it meets the requirements of Section 77/78, etc., and we can argue it from there.

 

The first and most important thing is to see what they have got.

 

DD

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http://www.consumeractiongroup.co.uk/forum/content.php?414-CCA-request-letter.

 

Yes send them the letter above, enclose a £1 postal order don't address it to anyone, mark the back of it "For statutory CCA fee ONLY"

Always PRINT YOUR NAME, send it either 'recorded delivery' or 'Proof of posting' which is free from the PO counter'

 

They have 12+2 working days in which to send you the CCA.

 

As it is pre 2007 and you took it out in store, then there is a very good chance they don't have one and will have to come up with a recon, which can be argued.

 

Are lowlifes the first DCA to try it on and get money off you?

Did BC ever inform you they were passing it onto these clowns?

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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might be an idea to start a sep thread for the Lloyds OD.

 

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 the CC default is may 2008

the state barred date can be anything upto 6mts or more before the default.

 

when did you last use/pay anything on the card?

 

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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I have moved a few times, so I personally haven't received any letter from BC,

 

I did get a letter last year from Lowell introducing themselves

which had the Barclays logo on it,

 

the letters from Lowell have been coming since about a year ago,

it went Lowell to red then I moved and Lowell to red again,

I haven't had any contact with them other than their one side letters.

 

As for the Lloyd's overdraft I haven't received any requests or information from them or any company in relation to it.

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contact means NOTHING

 

if you look on noddle see below

 

they will show the last payment

 

sounds to me like its SB'd

 

debt gone!

 

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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is there not a little pulldown arrow [blue]

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 not

go ring Lloyds now and ask them directly when you last payment was

 

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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The Lloyd's account goes as far back as 2007 on Noddle and the earliest entry on Noddle is September 2007 which says behind, and it was marked as closed in November.

 

The Lowell/BC will only go back as far as oct 2012, which originally I thought was when they might have purchased it, but in their original letter it stated the purchased it in 08/09.

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Hi Irishson,

 

As already suggested by DX, start a new thread to discuss the Lloyds and keep the discussions separate.

 

:-)

We could do with some help from you

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Hello again,

 

with respect to the Lowell situation,

 

'Red' have sent another letter saying,

 

"if I choose to pay the full balance they will offer a 30% discount,

and if they don't receive payment in 10 days they will pass it to hamptons legal."

 

I'm aware that hamptons is just another name of Lowell, but the offer of discount seems pretty strange to me?

 

I was also curious as the only mention on my credit report of barclaycard is the Lowell entry,

 

does this mean that it will come off my report 6 years from the date of the original default in 2008 or from Lowell's entry in 2012?

 

I'm in the process of challenging PPI from an alternative account

so would I also be able to pursue a similar case with barclaycard?

Or should I just leave it be?

 

Irishson

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Hi Irish,

 

A credit card debt will be sold by BC for less than 20% of the unpaid balance so if a DCA settled for 70%, that still represents a tidy balance.

 

If you settle the debt for less than the whole balance, the CRA entry will reflect this. I think the CRA will continue to show the DN for 6 yeras from 2008.

 

If there are any penalty charges and/or PPI to be reclaimed, I'd do this before coming to any deal about settleing.

 

:-)

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

 

Please give something if you can. We all give our time free of charge but the site has bills to pay.

 

Thanks !:-)

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the account will vanish from the CRa file on the original defaults 6th birthday

regardless to whatever you do , paid or unpaid.

 

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 I choose to pay the full balance they will offer a 30% discount,

I'm aware that hamptons is just another name of Lowell, but the offer of discount seems pretty strange to me?

 

The offer of a discount is because they know they have nothing to go on, and are clutching at straws, anything they con out of you will be better than nothing.

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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