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    • You can counter a Judges's question on why you didn't respond by pointing out that any company that charges you with stopping at a zebra crossing is likely to be of a criminal mentality and so unlikely to cancel the PCN plus you didn't want to give away any knowledge you had at that time that could allow them to counteract your claim if it went to Court. There are many ways in which you can see off their stupid claim-you will see them in other threads  where our members have been caught by Met at other airports as well as Bristol.  Time and again they take motorists to Court for "NO Stopping" apparently completely forgetting that the have lost doing that because no stopping is prohibitory and cannot form a contract. Yet they keep on issuing PCNs because so many people just pay up . Crazy . You can see what chuckleheads they are when you read their Claim form which is pursuing you as the driver or the keeper. they don't seem to understand that on airport land because of the Bye laws, the keeper is never liable.   
    • The video-sharing app told the BBC that a "very limited" number of accounts had been compromised.View the full article
    • luckily like this thread VCS/DCB(L) PCN spycar capture - PAPLOC Now claimform - no Stopping in Restricted Zone - Bristol Airport ***Claim Dismissed*** - Page 4 - Private Land Parking Enforcement - Consumer Action Group although no on the crossing, same applies to you so WS time. there are numerous threads here on pedestrian crossing claimforms by VCS at Bristol and at other airports so use our enhanced google searchbox and find them. really a bad idea to vanish for SIX months and not been have reading up here.....................  
    • Not at all.  The onus is on them to ensure that their invoice respects the provisions of Schedule 4 of the Protection of Freedoms Act 2012 to establish keeper liability.  Which it can't as the area is covered by bye-laws. Spot on. Irrelevant as to whether you entered into a contract with VCS to pay them £100 if you didn't obey what was written on their silly signs. Who cares?  What about their ridiculous generic Particulars of Claim where they deliberately mix up driver and keeper. And where do they mention this?  You haven't shown us anything. Of course you have to prepare a Witness Statement and you'd better get on with it. This is the problem here - you've disappeared for months & months, haven't kept us updated and presumably haven't read other VCS threads.  That needs to change - now. Otherwise you will lose - simple as that. For a start - please upload the court order which fixes the hearing date plus plus where "VCS mentioned my initial defence was generic and clearly copied from the internet".  We're not mind readers.
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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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