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    • do a chargeback to your bank if temu want it back then they'll write and ask for it. 9/10 they dont bother. dx
    • No reminders are required by law. As a result of that, whether the police say they sent one or not, whether they actually did so or not and whether you received it or not has no bearing on the matter whatsoever.  I have explained what to do in the third paragraph of my post #22. You don't need to do any more than that. The most likely outcome is that your offer (to plead guilty to speeding if the FtP charge is dropped) will be accepted by the prosecutor. What happens next is for the court to decide. This "deal" is done every day in courts up and down the land and all court users (prosecutors, Magistrates and their legal advisors) are familiar with it.  Although I said you could not ask to be sentenced at the fixed penalty level, that was incorrect. There is nothing to stop you asking (and if you do, you should mention it under "Mitigation" when you fill in your return). You can mention the circumstances you were in when you returned the request for driver's details and suggest that is why the error with the stamp may have occurred.  My feeling, however, is that your request will be denied. If it is, you will face sentencing under the normal guidelines. These suggest a fine of half a week's net income (reduced by a third for your guilty plea.- so one third of a week's income). You will also be ordered to pay a "Victim Surcharge" of 40% of the fine and prosecution costs of around £90. You will also have three points imposed on your driving record. You may be lucky and encounter a kindly Magistrate who settles on the fixed penalty equivalent or you may see something in between (with perhaps the prosecution costs left off). But the worst case is as in the previous paragraph. There's no need to fret too much over this. The important thing is to make sure you plead not guilty to both charges and make it absolutely clear that you will plead guilty to speeding only if the other charge is dropped. You may be asked to attend court or it may be handled under the SJ procedure. I don't know how they work this matter in South Wales.
    • The problem that I'm having is with Temu. I ordered a cat tree (£152.98) that I want to send back as it's too small for them/not as advertised/flimsy. I would never have paid that amount if I'd known what poor quality/ how small it was. I have contacted Temu about this numerous times, they did get back to me once but they didn't actually help me with their response. I tried to get in touch again but the emails only ran one way so I couldn't get back to them and tell them that they haven't answered me correctly on how to get the cat tree sent back to them. I have attached the emails correspondence into this post. Thank you in advance for the help and support.    Temu email.pdf
    • Stu007. Many thanks for your reply. They have supplied all the necessary documents so it looks like everything is above board.  Many thanks for the link, once again everything seems above board.  I have received a second claim form today as it says the one they sent me did not refer to my tenancy. Ill look at the details later   I have filled out the defence form, took pics, i will redact it later and post the pdf.  
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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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