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    • Hi everyone, Thanks for the responses. Just a few follow up questions in light of what's been said:   If I dont appeal to PPM, who can I appeal to?   Why should the PCN been attached to the windscreen? Is this written in law?   I assumed the document I had received was the NTK, if this is not the case, what does a NTK look like?   Regarding the compliance with the Protection of Freedoms Act, could the "period" of parking not be argued either way? The legislation doesnt state it must have a start/end time of parking, which I assumed an ANPR camera would pick up if it had one. Is 4 minutes not technically enough to show the vehicle was parked?    Thanks !
    • I see jenrick has stuck his head up with them, and I'm sure this wont faze their nasty rhetoric one wit-less UK growth since 2010 has been lacklustre and largely driven by immigration, says report UK growth since 2010 has been lacklustre and largely driven by immigration, says report | Economic growth (GDP) | The Guardian WWW.THEGUARDIAN.COM Resolution Foundation report suggests parties are dodging the economic challenges facing the country   Net migration is more than two and a half times the 2010 figure despite a string of Tory pledges to reduce it Immigration: how 14 years of Tory rule have changed Britain – in charts | General election 2024 | The Guardian WWW.THEGUARDIAN.COM Net migration is more than two and a half times the 2010 figure despite a string of Tory pledges to reduce it    
    • Will get them done asap My job changes week to week so at the time I didn’t know. 
    • You will probably get a couple more reminders followed by further demands fro unregulated debt collectors with even increasing amounts to pay. They are all designed to scare you into paying.  Don't. It's a scam site and they do not know who was driving and they know the keeper is not liable to pay the PCN. Also the shop was closed so they have no legitimate interest in keeping the car park clear. So to charge £100 is a penalty as there is no legitimate interest which means that the case would be thrown out if it went to Court.  Keep your money in your wallet and be prepared to ignore all their letters and threats. Doubtful they would go to Court since a lot more people would not pay when they heard  MET lost in Court. However they may just send you a Letter of Claim to test your resolve.  If yoy get one of those, come back to us and we will advise a snotty letter to send them.  You probably already have, but take a look through some of our past Met PCNs to see how they are doing.
    • Hello, been a while since I posted on here, really hoping for the same support an advice I received last time :-) Long, long story for us, but basically through bad choices, bad luck and bad advice ended up in an IVA in 2016. The accounts involved all defaulted, to be expected. In 2018, I got contacted by an 'independent advisor' advising me that I shouldn't be in an IVA, that it wasn't the solution for our circumstances and that they would guide us through the process of leaving the IVA and finding a better solution. I feel very stupid for taking this persons advice, and feel they prey on vulnerable people for their own financial gain (it ended with us paying our IVA monthly contribution to them)-long and short of it our IVA failed in 2018. At the same time the IVA failed we also had our shared ownership property voluntarily repossessed (to say this was an incredibly stressful time would be an understatement!) When we moved to our new (rented) property in August 2018, I was aware that creditors would start contacting us from the IVA failure. I got advice from another help website and started sending off SARs and CCAs request letters. I was advised not to bury my head and update our address etc and tackle each company as they came along. Initially there was quite a lot of correspondence, and I still get a daily missed call from PRA group (and the occasional letter from them), but not much else. However, yesterday i had a letter through from Lowell (and one from Capital One) advising that they had bought my debt and would like to speak with me regarding the account. There will be several.of these through our door i suspect, as we did have several accounts with Capital One. Capital One have written to us with regular statements over the last 5 years, and my last communication with them was to advise of of our new address (June 2019), I also note that all of these accounts received a small payment in Jan2019 (i'm assuming the funds from the failed IVA pot). Really sorry for the long long post, but just thought id give (some of) the background for context.... I guess my question at the moment is.....how do I respond to Lowell...do I wait for the inevitable other letters to arrive then deal with them all together or individually...? Do I send them a CCA?  Many thanks
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BW /lowelll - SD coming - cap1 card debt


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Have just received a letter through the post today from BW Legal stating that they have tried to call at the house on 2 occasions

(both times I was here and no-one knocked at the door)

and that they will call again on 4th December to issue a Statutory Demand and will post it if we don't keep the appointment.

 

Firstly,

I have never heard from this Company before and other than there reference number,

it doesn't tell me who the debt is for?

 

 

There is a telephone number,

should I call it to find out?

 

 

Can I try to agree a repayment plan?

 

 

I'm scared witless that I will suddenly lose everything when I thought I was starting to get back on my feet......

 

If anyone can help me, advice is greatly appreciated.

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Hi there,

 

I would normally say that you shouldn't talk to debt collectors, but there isn't too much time bearing in mind the weekend.

 

Is there an email address on the letter? You could try emailing if there is.

 

If not, I think you may have to call them because even with recorded/signed post it often does take more than a day to be delivered and you may not be able to check online for the signature before the 4th.

 

DD

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Have just figured out which debt it is and it's one, to be honest, that I've ignored.

 

 

Have had the usual letters from them but it's been passed from pillar to post so I assumed it would keep doing so.

 

 

The debt is 5yrs old so not yet SB.

 

 

Can I contact them to agree a payment plan?

 

 

Will they accept at this late stage?

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Have just figured out which debt it is and it's one, to be honest, that I've ignored. Have had the usual letters from them but it's been passed from pillar to post so I assumed it would keep doing so. The debt is 5yrs old so not yet SB. Can I contact them to agree a payment plan? Will they accept at this late stage?

 

Send an urgent CCA request to Lowell by recorded delivery and see if they can provide it. This is presuming the debt is covered by the CCA. Would not be relevant to an overdawn bank account.

 

http://www.consumeractiongroup.co.uk/forum/showthread.php?387435-CCA-Request-Consumer-Credit-Act-1974&p=4384118#post4384118

 

Did you ever raise any dispute with the original creditor or debt collectors about this debt ? Any PPI or excess charges to claim back ?

 

The problem with not setting aside a statutory demand, is that at any time you miss a payment, Lowell could proceed with bankruptcy provided the debt was still over £750. BW Legal or whoever is dealing with this at the moment, will want the debt to be paid off in a period of less than 24 months, going by what has been said on here previously. So if you want to look at a repayment arrangement, this would need to be negotiated. Personally I would suggest that the CCA is sent off now and see what you get back. You have 18 days from the date the statutory demand is received, to apply for the set aside.

We could do with some help from you.

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what is the debt all 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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It may do. We'd need to see it, so do get the CCA request off today.

 

The ones from the very early 2000s aren't enforceable. It depends when Capital One actually changed the wording of their agreements.

 

However as it's 2005 they would need to produce the agreement to enforce if they went through the County Court and this is why SDs are currently their favourite form of trying to get the money. :mad2:

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April 2005, does that make a difference?

 

Yes for account taken out pre April 2007, creditors need the original CCA, if this is requested by the defendant in court. So it makes sense to send Lowells a CCA request urgently by recorded delivery.

 

There appears to be an assumption in your posts that the statutory demand has something to do with the courts when issued. This is not the case. It is simply a letter issued by your creditors, which if you don't deal with within 21 days, they can provide it to the court, along with a bankruptcy petition. Normally going by reports, it can be many months after the SD is issued that any attempt is made to use bankrupty. You don't need to enter into a payment arrangement as soon as the threat of a SD being issued is made. You have a chance to set aside the SD if you wanted to try this.

We could do with some help from you.

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Also send a copy of your CCA request letter to BW Legal saying that you trust that they will not be issuing a Statutory Demand before you receive a response to your CCA request.

 

They may or may not do this, but if they do proceed it makes them appear unreasonable if they serve it while you are waiting for information you are legally entitled to. Send that RD too.

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Is an SD shown on my credit file even if it's set aside?

 

The SD is purely a letter from your creditors. Has not touched a court and appear nowhere. It can be used later, if the creditors wanted to proceed with bankruptcy, hence importance to set aside if you can. To set aside the SD, does not require you to pay any fee to the court.

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

 

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Ok, please no shouting at me but I was really worried.

 

 

Have rung BW and in a nutshell:

I offered them a payment of £100 pcm but they said I need to provide an official I&E account before they will consider such a proposal.

 

 

They also said it's related to 2 debts..

..an old Vodafone account.

 

 

Now I haven't received a letter about this for quite some time and I certainly never signed a credit agreement.

 

 

It's only for £224. Now.....

 

 

....if I send off the CCA to Lowell and they can and do provide it, is it likely to **** BW off

so they don't accept my payment proposal?

 

 

Could they then pursue through the courts and take my house off me?

 

 

I believe there is enough capital in my house to cover anything I owe.

 

 

If I do send the CCA and it doesn't come back before the 18 days has expired,

what would I do?

 

Part of me thinks I should just try to set up the payment and ensure I can make payments so I can sleep easy between now and xmas!

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CCA is not relevant to a mobile phone account, but would apply to a credit card.

 

Lowell/BW Legal have done what they have done to others. Group several debts together to look to make someone bankrupt.

 

Up to you what you do.

 

1) Send the CCA request. Look to set aside the statutory demand

 

or

 

2) Send a payment to BW Legal, with offer for further payments, with some basic income and expense details.

[EDIT REMOVED]

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

 

If you want advice on your thread please PM me a link to your thread

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nope phonecalls do not count

 

 

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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SD for 2 debts!!

 

 

I think you need to get lee at Vodafone onboard here and confirm this voda debt.

 

 

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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