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    • Thank-you dx for your feedback. That is the reason I posted my opinion, because I am trying to learn more and this is one of the ways to learn, by posting my opinions and if I am incorrect then being advised of the reasons I am incorrect. I am not sure if you have educated me on the points in my post that would be incorrect. However, you are correct on one point, I shall refrain from posting on any other thread other than my own going forward and if you think my post here is unhelpful, misleading or in any other way inappropriate, then please do feel obliged to delete it but educate me on the reason why. To help my learning process, it would be helpful to know what I got wrong other than it goes against established advice considering the outcome of a recent court case on this topic that seemed to suggest it was dismissed due to an appeal not being made at the first stage. Thank-you.   EDIT:  Just to be clear, I am not intending to go against established advice by suggesting that appeals should ALWAYS be made, just my thoughts on the particular case of paying for parking and entering an incorrect VRN. Also, I continue to be grateful for any advice you give on my own particular case.  
    • you can have your humble opinion.... You are very new to all this private parking speculative invoice game you have very quickly taken it upon yourself to be all over this forum, now to the extent of moving away from your initial thread with your own issue that you knew little about handling to littering the forum and posting on numerous established and existing threads, where advice has already been given or a conclusion has already resulted, with your theories conclusions and observations which of course are very welcomed. BUT... in some instances, like this one...you dont quite match the advice that the forum and it's members have gathered over a very long consensual period given in a tried and trusted consistent mannered thoughtful approach. one could even call it forum hi-jacking and that is becoming somewhat worrying . dx
    • Yeah, sorry, that's what I meant .... I said DCBL because I was reading a few threads about them discontinuing claims and getting spanked in court! Meant  YOU  Highview !!!  🖕 The more I read this forum and the more I engage with it's incredible users, the more I learn and the more my knowledge expands. If my case gets to court, the Judge will dismiss it after I utter my first sentence, and you DCBL and Highview don't even know why .... OMG! .... So excited to get to court!
    • Yep, I read that and thought about trying to find out what the consideration and grace period is at Riverside but not sure I can. I know they say "You must tell us the specific consideration/grace period at a site if our compliance team or our agents ask what it is"  but I doubt they would disclose it to the public, maybe I should have asked in my CPR 31.14 letter? Yes, I think I can get rid of 5 minutes. I am also going to include a point about BPA CoP: 13.2 The reference to a consideration period in 13.1 shall not apply where a parking event takes place. I think that is Deception .... They giveth with one hand and taketh away with the other! One other point to note, the more I read, the more I study, the more proficient I feel I am becoming in this area. Make no mistake DBCL if you are reading this, when I win in court, if I have the grounds to make any claims against you, such as breach of GDPR, I shall be doing so.
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Lowell/carter claim form for old lloyds loan - help


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Hi

can anyone advise my next step please.

 

Had a letter from Bryan carter solicitors saying they were acting for Lowwel financial limited for an outstanding debt

 

I sent Bryan carter a cca last week,

 

I had a reply from them and they sent the cca and postal order back saying I must send the cca and request it direct to Lowell financial?

 

Is this correct do I need to resend this or are they playing games?

 

Thanks mw

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whomever is chasing you for money

 

if that BC

 

they get the CCA

 

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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what the debt all about

 

what does your cra file tell you?

 

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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what is the default date?

 

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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ok so a while to run

 

time for another CCa to uncle brian then.

 

hes got his teeth in you...¬!!!

 

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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iv had a look around for a letter template to send with this letter to say that they need the cca letter as they could keep sending it back but I can find one is there anything I need to send with the cca??

thank mw

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nope

 

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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iv had a look around for a letter template to send with this letter to say that they need the cca letter as they could keep sending it back but I can find one is there anything I need to send with the cca??

thank mw

 

I can't see the point in sending another CCA to Carter, they've already sent one back as they are only acting for Lowell.

 

When I was in exactly the same position I was advised to CCA Lowell, which I did. Lowell replied saying they did not have it, but were trying to get it and had put my account on hold until they find it.

 

Not heard from them, or Carter since.

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  • 2 months later...

hi

can anyone give me some help with this letter from bryan carter

 

 

their client is lowell financial limited and

 

 

this is for a tsb loan that has had nothing paid on it for 3 years + for £3390.52 and

 

 

i think has ppi on it plus charges.

 

 

letter says "we have been instructed by fredrick internatiional limited on behalf of lowell financial limited to issue court preceedings on 9th Dec 2013

 

 

if debt is not recieved by this date"?? s

 

 

eems like 3 people after the same debt?

 

 

ont know what action to take with this letter so any help with this would be great.thanks mw

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Sounds like it was sold off to Lowlife and they are getting BC (their in-house solicitor) to apply pressure with the threat of court action.

 

Some history of the debt will help the more knowledgeable forum members to advise, but for starters:-

 

You say that you think there is PPI on the loan - can you be sure and have you ever tried to reclaim this? Have you ever asked Lowlife for a CCA or formerly disputed the debt either with them or the original creditor? What about the charges - do you have statements showing the addition of penalty charges?

 

Subject to the answers to those questions I would be disputing the debt with BC and Lowell and asking for a copy of your agreement (a CCA request - there is a template in the library). That should hold off any further action whilst they get the OC to provide a copy of the agreement, and will give you a chance to start the ball rolling with a PPI claim.

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Hi thanks very much for the reply, not had any contact with anyone over this debt or contacted anyone other than TSB years ago. Not got a list of charges and never claimed ppi hope this helps? I will send CCA soon as. Do I send this to Bryan carter ?

 

Thanks mw

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The CCA request is to go to Lowell as they will have physically bought the debt.

They are a debt sale company compared to companies like Past due credit solutions who only administer debts.

 

They have 12 + 2 days to supply a CCA, if they cant then its not enforceable in Court.

Now as for BC, you need to tell him that you are disputing this debt and on what grounds and that you have requested a copy of the CCA agreement from Lowell.

If you send the CCA request to BC he will only pass it over to them anyway.,

 

We could do with some help from you.

 

Have we helped you ...?         Please Donate button to the Consumer Action Group

 

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  • 2 weeks later...

Hi everyone

 

just had a claim form sent in ref to a personal unsecured loan with Lloyds tsb

 

it been on going for 3-4 years now with nothing paid on it in this time,

 

its been passed to many different dca companies and

 

now Bryan Carter acting for Lowell Financial have issued this Claim form,

 

this is a loan with ppi and I have not claimed on this at all,

 

also there maybe charges on here as well for the sum of £3390.52,

 

can anyone help with my next step to responding to this Claim form,

 

Do I do an acknowledgement of service or do a defend with MCOL?

 

Thanks mw

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