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    • HI DX Yes check it every month , after I reinstated the second DD I was checking every week. Also checked my bank statements and each payment has cleared. When responding to the court claim does it need to be in spefic terms ? Or laid out in a certain format? Or is it just a case of putting down in writing how I have expained it on CAG?
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    • Afternoon all Looking for advice before I defend claim for car tax payment that the DVLA claim I owe £68 from an idemity claimback from my bank and unpaid tax  brief outline. Purchased car Jan 30th ,garage paid the tax for me after I gave them my card details  first payment £68 out in Feb 24  followed by payment of £31 from March due to end Jan 24 Checked one of my vehicle apps and about 7-10 days later car showing as untaxed? No reason why but it looks like DVLA cancelled it , this could be because I did not have the V5 and the gargae paid on my behalf but not sure did not receive a letter to say car was untaxed.  Fair enough I set up the tax again staight away in Feb 24  and first payment out Mar 31st , and each payment since has come out each month for £31 , this will end Feb/Mar 2025, slightly longer than the original tax set up, all good. I then claimed the £68 back from my bank as an indemity refund as obviously I had paid but DVLA had cancelled therefore it was a payment for nothing?  Last week recieved a SJP form dated 29th May stating that DVLA were claiming for unpaid tax and a false indemity claimback which of course is the £68. It also stated that I had received two previous letters offering me the oppotunity to pay that £68 but as I had not responded it was now a court claim that I must admit guilt for or defend. My post is held for weeks at a time from Royal Mail ( keepsafe) due to me receiving hospital tretament at weeks at a time that said I did not receive any previous letters from DVLA. I am happy to defend this and go to court but wondering what CAG members think? In summary I paid an initial amount of £68 and then a DD of £31 , tax cancelled  I set up a new DD at £31 a month all in the month of Feb 2024, I claimed the £68 back from my bank. DD has been coming out each month without issue and I have paperwork to show the breakdown for both DD setup's plus bank statements showing the payments coming out . The second DD set up has extended payments up to Feb/Mar 2025. DVLA claiming the £68 was ilegally claimed back despite the fact they cancelled the original DD for reasons unknown. Is this defendable ? I will post up documents including the original DD conformations 
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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.

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      OT APPROVED, 365MC637, FAROOQ, EVRi, 12.07.23 (BRENT) - J v4.pdf
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HFC / HSBC sells off debt to Lowells


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The default was on my credit file, but expired in January/February this year.

So when was the last payment and/or written acknowledgment of this debt?

 

 

I looks like Lowlife a chancing their arm again, the debt is probably already SB or nearly so, that's the reason for the 70% discount.

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The Debt is statute barred as of 2nd December in 3 months.

Based on default date or last payment lokur?

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Based on default date or last payment lokur?

 

Last payment.

 

The debt defaulted over 6 years ago when I unfortunately lost my job as many did in those days after the credit crunch started hitting. I got new employment and started payments up again, and the last payment on account was December 01 2008 and I disputed the account with HFC.

 

I recieved a letter from HFC which told me that they might have added PPI to my loan without giving me the terms and conditions, and offered to have it removed. But when I called up to take them up on this offer I was told no, and this is the reason I disputed the debt and stopped paying.

 

Forgot to mention: I forgot cancel the direct debit, so there was a bounced payment in January and February in 2009, which shows up on the accounts as payment/reversal of payment. The reason they bounced was that I was the victim of identity fraud and my account was emptied out over christmas that year. HSBC who I was banking with refunded me all the bounced DD charges and the stolen moneys 6 months later.

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Last payment.

 

The debt defaulted over 6 years ago when I unfortunately lost my job as many did in those days after the credit crunch started hitting. I got new employment and started payments up again, and the last payment on account was December 01 2008 and I disputed the account with HFC.

 

I recieved a letter from HFC which told me that they might have added PPI to my loan without giving me the terms and conditions, and offered to have it removed. But when I called up to take them up on this offer I was told no, and this is the reason I disputed the debt and stopped paying.

 

 

Best to string Lowlife on for 3 months then, 70% discount so close to SB bl**dy cheek.

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Best to string Lowlife on for 3 months then, 70% discount so close to SB bl**dy cheek.

 

Anything I should do to string them along? Ask any questions, or just ignore them? They could in theory take me to court before then right?

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Anything I should do to string them along? Ask any questions, or just ignore them? They could in theory take me to court before then right?

In theory yes, but as nothing has been done in all this time highly unlikely now.

Lowell are not shy about litigation is they believe they have even a fair chance of

success.

Ignore I think!

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id wait for it to go SB and reclaim PPI.

 

 

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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  • 2 weeks later...

Just had another letter from Red stating they are now escalating it to Hampton legal with a recommendation to apply for a CCJ.

 

Then it goes on about the ramifications of a CCJ.

 

Threatogram?

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Just had another letter from Red stating they are now escalating it to Hampton legal with a recommendation to apply for a CCJ.

 

Then it goes on about the ramifications of a CCJ.

 

Threatogram?

 

 

Passed to the next desk in Lowell's den of iniquity, wait and see what Hamptons have to say.

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bloke at the next desk in a diff coloured skirt.

 

 

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 know that it's the next bloke down the line, but I've not seen that line before: Our recommendation to Hampton Legal is to apply for a CCJ.

 

Just wanted to know if anyone else have seen that, and if they actually went through with it as I now have 2.5 months away from a statute barring of this disputed debt (Dispute with original creditor re PPI).

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I know that it's the next bloke down the line, but I've not seen that line before: Our recommendation to Hampton Legal is to apply for a CCJ.

 

Just wanted to know if anyone else have seen that, and if they actually went through with it as I now have 2.5 months away from a statute barring of this disputed debt (Dispute with original creditor re PPI).

Hamptons are likely to farm this to one of the tame solicitors (Bryan Carter instance) to issue a claim so a little more time will be wasted there.

 

 

Looking back to July Lowell were threatening court action within 7days and nothing has happened.

 

 

What has Lowell produced to support their claim?

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Is there anything I can do to slow this down, I really don't want to deal with this in court.

 

 

This seems to be going in the usual circle of "escalations" to various departments of Lowell more often than not after Hamptons

the debt gets back to Lowell's ordinary collections activity.

 

 

How much is the debt for? To take it to court it has to be financially viable, but I think the discount offers indicate desperation to get something before it becomes SB.

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The debt is for ~£8000, there is a PPI attached to the debt, and I had a letter from Original Creditor stating they would remove the PPI as they had not given me the terms and conditions when the loan was taken out. But when I contacted Original Creditor about this they point blank refused and I put the debt in formal dispute.

 

Last payment on account was December 1st 2008.

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The debt is for ~£8000, there is a PPI attached to the debt, and I had a letter from Original Creditor stating they would remove the PPI as they had not given me the terms and conditions when the loan was taken out. But when I contacted Original Creditor about this they point blank refused and I put the debt in formal dispute.

 

Last payment on account was December 1st 2008.

Agreed to refund PPI and then refused to do so?

Nothing more from the OC since the dispute was raised?

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I didnt know about the PPI really as it was tackled on without me realising,

and being stupid enough not to read through the documents properly.

 

 

when I got a letter from them saying our internal routines shows that you might not have had

the PPI terms and conditions through we're offering you to cancel it.

 

 

when I asked the local branch to do just that,

they point blank refused no matter how much i waved the letter.

 

 

I disputed it and refused to pay the debt going forward. This was roughly in December 2008.

 

I had a default letter through years ago, but no real attempts to contact me

no phone calls, no letters.

 

 

I had a letter from a DCA asking for £25k a few years ago which they had calculated based on 30+% interest or something, I just ignored that one.

 

I've also held a savings account with more money than the debt with HSBC which owns the OC (HFC) as I didn't know they could offset.

 

 

My current account, ISA, Credit cards and regular saving account is all with HSBC (First Direct) so It's not like I've tried to hide.

 

I believe in paying back what I owe, but I think I have a genuine dispute here.

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I didnt know about the PPI really as it was tacked on without me realising, and being stupid enough not to read through the documents properly. So when I got a letter from them saying our internal routines shows that you might not have had the PPI terms and conditions through we're offering you to cancel it. So when I asked the local branch to do just that, they point blank refused no matter how much i waved the letter. So I disputed it and refused to pay the debt going forward. This was roughly in December 2008.

 

I had a default letter through years ago, but no real attempts to contact me no phone calls, no letters. I had a letter from a DCA asking for £25k a few years ago which they had calculated based on 30+% interest or something, I just ignored that one.

 

I've also held a savings account with more money than the debt with HSBC which owns the OC (HFC) as I didn't know they could offset. My current account, ISA, Credit cards and regular saving account is all with HSBC (First Direct) so It's not like I've tried to hide.

 

I believe in paying back what I owe, but I think I have a genuine dispute here.

 

 

 

Did you get a Final Response Letter from the bank after raising the complaint?

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

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Nemo Mortalium Omnibus Horis Sapit: Animo et Fide:

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Did you get a Final Response Letter from the bank after raising the complaint?

 

I don't think I did. I certainly can't remember seeing one. I did move around a lot back then, but I kept HSBC up to date with my address. I don't know how well they share information between each branch of the bank though.

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my neighbour has had about 25 of those exact letters.

 

 

sit tight.

 

 

nothing you can really do or need too at the present with 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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I suggest, politely, you fo back to post one and re-read your thread.

 

 

everytime you get a threat-o-gram

you panic...don't.

 

 

you need to p'haps address your PPI paperwork and get that checked here ready to send it all.

 

 

no dca offers a 70% discount when they could goto court for 100%

 

 

think about it!

 

 

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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