Jump to content


  • Tweets

  • Posts

    • @jk2054 and @BankFodder - Your feedbacks in posts #199 and #202 have been incorporated into the attached WS. As usual, amends are in blue in this draft. Based on other WS drafts I've seen where the issues in dispute are part of the WS, I built my first draft WS in the same format and hadn't seen it to be an issue before. You will notice that the 'witness statement' has been replaced with 'Claimant's Statement' so that issues in dispute does not need to be on a separate page before the WS. This is especially given the work that has gone in to reduce the size of the WS to 8 pages. Also thanks for the suggestions re: confidentiality - I agree with your views and will stand firm on this if a condition of confidentiality is brought up. I have not been approached by Evri on this forum or by email. I haven't yet had success in paying the hearing fee. I am calling the court as often as I can (during work breaks/lunch etc.) and have sent 2 emails to the court requesting a call back. If i don't have any success by the end of this week, I'll send another email chasing for a call back. @BankFodder - Also attached is an invoice from Packlink which shows that I was charged by Packlink for these services: "drop-off at EVRi - Next day delivery" and "Proof of Delivery". It also has the payer's address and there are "Origin" and "Destination" fields which have the postcode of the sender and the recipient (I have redacted personal details in the attached invoice).  I am already including this in my evidence bundle (without the redaction) but wanted to share this redacted version so that other people can consider this as example in their bundle of Packlink and Evri's contract being instigated by the sender of the parcel who has paid for the service, and further shows that there is information in the invoice to identify that a third party beneficiary (sender / recipient) is present in the contract between Packlink and Evri. If this invoice is no good, then please let me know / delete it from this post. Draft - Witness Statement and Court Bundle redacted.pdf Packlink invoice - REDACTED.pdf
    • It can be frustrating when clients fail to pay for services or products rendered, ignore payment reminders, or claim an inability to pay. How quick do you pass to a Debt Collection Agency like www.corporatedebtrecovery.co.uk 
    • The Court s pretty informal. The Judge [who you call "Judge" rather than Sir or madam] will not be wearing a wig and gown just a suit and it is advisable that you do the same and a tie. Other than that the Judge will do most of the talking .If they haven't received a WS from the scrotes either the case will probably be thrown out straight away. Usually the Judge will ask their lawyer a number of questions then ask for your take on things and then the case will be decided.  UKPC 0 Mystic Bertie 5. Then ask for your expenses time off work [if not being paid by your company while in Court, travelling and parking costs and occasionally they will allow something like 5 hours research at I think £8 per hour. Later celebrate and post us the result and how much fun it was. You will wonder  why you worried about it so much. Next time will be much easier.🙂
  • Recommended Topics

  • Our picks

    • If you are buying a used car – you need to read this survival guide.
      • 1 reply
    • Hello,

      On 15/1/24 booked appointment with Big Motoring World (BMW) to view a mini on 17/1/24 at 8pm at their Enfield dealership.  

      Car was dirty and test drive was two circuits of roundabout on entry to the showroom.  Was p/x my car and rushed by sales exec and a manager into buying the mini and a 3yr warranty that night, sale all wrapped up by 10pm.  They strongly advised me taking warranty out on car that age (2017) and confirmed it was honoured at over 500 UK registered garages.

      The next day, 18/1/24 noticed amber engine warning light on dashboard , immediately phoned BMW aftercare team to ask for it to be investigated asap at nearest garage to me. After 15 mins on hold was told only their 5 service centres across the UK can deal with car issues with earliest date for inspection in March ! Said I’m not happy with that given what sales team advised or driving car. Told an amber warning light only advisory so to drive with caution and call back when light goes red.

      I’m not happy to do this, drive the car or with the after care experience (a sign of further stresses to come) so want a refund and to return the car asap.

      Please can you advise what I need to do today to get this done. 
       

      Many thanks 
      • 81 replies
    • Housing Association property flooding. https://www.consumeractiongroup.co.uk/topic/438641-housing-association-property-flooding/&do=findComment&comment=5124299
      • 161 replies
    • 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.

      Frankly I don't think that is any accident.

      One of the points that the judge made was that the customers contract with the broker specifically refers to the courier – and it is clear that the courier knows that they are acting for a third party. There is no need to name the third party. They just have to be recognisably part of a class of person – such as a sender or a recipient of the parcel.

      Please note that a recent case against UPS failed on exactly the same issue with the judge held that the Contracts (Rights of Third Parties) Act 1999 did not apply.

      We will be getting that transcript very soon. We will look at it and we will understand how the judge made such catastrophic mistakes. It was a very poor judgement.
      We will be recommending that people do include this adverse judgement in their bundle so that when they go to county court the judge will see both sides and see the arguments against this adverse judgement.
      Also, we will be to demonstrate to the judge that we are fair-minded and that we don't mind bringing everything to the attention of the judge even if it is against our own interests.
      This is good ethical practice.

      It would be very nice if the parcel delivery companies – including EVRi – practised this kind of thing as well.

       

      OT APPROVED, 365MC637, FAROOQ, EVRi, 12.07.23 (BRENT) - J v4.pdf
        • Like
  • Recommended Topics

Lowell email + letter on old cat debt


amybabe20
style="text-align: center;">  

Thread Locked

because no one has posted on it for the last 3681 days.

If you need to add something to this thread then

 

Please click the "Report " link

 

at the bottom of one of the posts.

 

If you want to post a new story then

Please

Start your own new thread

That way you will attract more attention to your story and get more visitors and more help 

 

Thanks

Recommended Posts

I received an email a few day ago from Lowell saying that they have my email address on file and would like to communicate with me "to find the right solution" for me.

- I ignored this, as I do not have or know about any accounts regarding Lowell.

 

Now I have received a letter from Lowell saying that they have purchased an account from a catalogue company which was opened around July 2007.

They say the account was sold to them because the catalogue company was unable to recover the amount,

which may have been because they didn't have an up to date address for me.

And that they used a Credit Reference Agency to get my current address.

 

^ That is all it said, pretty much. No threats. It didn't say how much I am supposed to owe, or when my last payment was :S

 

Now, the catalogue company had an address for me, and only up till April this year has that address changed.

And I have heard nothing from them for several years now.

I also believe that the amount I owed had been paid (although I am not certain of this).

 

Should I just wait and see if they send me anything else?

Link to post
Share on other sites

Yes wait until you get something more concrete - this sounds like a speculative letter to see if you respond whereby they will ramp up the rhetoric.

Any advice given is done so on the assumption that recipients will also take professional advice where appropriate.

 

PLEASE HELP US TO KEEP THIS SITE RUNNING

EVERY POUND DONATED WILL HELP US TO KEEP HELPING OTHERS

DONATE HERE

 

If I have been helpful in any way - please feel free to click on the STAR to the left!

 

Link to post
Share on other sites

what info are they relying upon in your credit file?

 

is there an outstanding cat debt showing?

 

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... 

Link to post
Share on other sites

what info are they relying upon in your credit file?

 

is there an outstanding cat debt showing?

 

dx

 

I checked my credit report earlier this year, and nothing was outstanding other than what I already know about (which is being paid), my credit report was good. They used the file to get my current address which is also my parents address (as I lived here before and am back here again).

Link to post
Share on other sites

so its dropped off

through the efault being +6yrs old never to return

 

looking like its SB'd then

and lowlife are on a phishing trip

to see if they can fleece a mug that knows no better

 

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... 

Link to post
Share on other sites

so its dropped off

through the efault being +6yrs old never to return

 

looking like its SB'd then

and lowlife are on a phishing trip

to see if they can fleece a mug that knows no better

 

dx

 

That's what I thought. I'm just going to leave it and see if they contact me further. Luckily, both of my phone numbers have changed since then, so no annoying calls :)

Link to post
Share on other sites

Id ignore them until they send a court claom. Thats if they even bother. You can then supply the sb defence and have a good laugh at them.

Any advice i give is my own and is based solely on personal experience. If in any doubt about a situation , please contact a certified legal representative or debt counsellor..

 

 

If my advice helps you, click the star icon at the bottom of my post and feel free to say thanks

:D

Link to post
Share on other sites

might be an idea at some point to sar whichever it is

shop direct

or

jdw

 

might help with PPI or penalty charges too!

gather info protect your rear

 

 

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... 

Link to post
Share on other sites

might be an idea at some point to sar whichever it is

shop direct

or

jdw

 

might help with PPI or penalty charges too!

gather info protect your rear

 

 

dx

 

 

It is shop direct but I don't know what my account/reference number was, as I haven't dealt with them in so long.

 

 

 

Lowells wrote to me demanding payment for a catalog account, Iasked them to put up, they couldnt as a result account closed default removed...might be worth asking them to put u[ or shut up

 

You asked them to put up? What do you mean?

Link to post
Share on other sites

you don't need any numbers just sar SD.

 

put up

means show your PROOF I OWE this debt

rather than try and spoof me into paying something.

 

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... 

Link to post
Share on other sites

  • 4 weeks later...

I have had another email from Lowell.

 

This time it gives me a reference number for Lowell,

 

the original company was Littlewoods,

 

the original account number,

and the amount "owed".

 

It says "3 easy steps to clearing your debt" .

.. it could be affecting my credit rating ..

. it's not going to go away and legal action could be taken against me if no arrangement is made. That's pretty much it.

 

Should I 'sar' Littlewoods? Or do anything?

Edited by amybabe20
Link to post
Share on other sites

i'd sar shop direct anyway

 

look at reclaiming

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... 

Link to post
Share on other sites

Had a letter come in today from them. Still nothing threatening, just saying they want to help me pay etc. Includes the same info as the email before. I think I am going to 'sar' shop direct, because I'm sure I have either paid this debt off already or it is sb.

 

How would I send the £10 fee? Cash? or....?

 

EDIT: Should I also 'sar' Lowell?

Edited by amybabe20
Link to post
Share on other sites

Send it by postal order but keep it blank. Make sure the PO is crossed. Do not sar lowell. They wont hold any info on you at all, and is a waste of money

Any advice i give is my own and is based solely on personal experience. If in any doubt about a situation , please contact a certified legal representative or debt counsellor..

 

 

If my advice helps you, click the star icon at the bottom of my post and feel free to say thanks

:D

Link to post
Share on other sites

  • 1 month later...
Send it by postal order but keep it blank. Make sure the PO is crossed. Do not sar lowell. They wont hold any info on you at all, and is a waste of money

 

What do you mean keep it blank?

 

Received a letter from Fredrickson International Ltd saying that they have been authorised by Lowell to contact me about the debt. Saying that if a repayment plan is not set up they will get a solicitors to take legal action.

 

Should I write to them to let them know that I am sending Shop Direct a sar?

 

I'm still pretty sure that this debt was already paid way back when, and my ex Husband said the same. Hence why I am going to sar them.

Link to post
Share on other sites

Ever sent a prove it letter to them? Especially if the debt was paid.

Any advice i give is my own and is based solely on personal experience. If in any doubt about a situation , please contact a certified legal representative or debt counsellor..

 

 

If my advice helps you, click the star icon at the bottom of my post and feel free to say thanks

:D

Link to post
Share on other sites

Nope, have sent nothing to none of them since they started emailing/writing to me. I remember having the debt, and both myself and my ex think it was paid off, but I am not 100%. If it wasn't, it has would have been a fair few years since any payment would have been made on it.

 

Should I send a prove it letter to Shop Direct, Lowell or Frerickson? or should I sar Shop Direct to find out about the original debt?

Link to post
Share on other sites

I'd send it to whoever is chasing you. Then if they prove it, send a CCA request. Just remember, lowells, freds and carter are very litigious. They couldnt care less if the debt is enforceable or not., They hope for judgement by default, then try and enforce it.

 

Sadly, they use the courts as a form of debt collection which really needs to be outlawed. Court action should only ever be used as an absolute lst resort after all other methods have failed. Really the courts should ask the solicitor/DCA for evidence they have exhausted all other methods of collection.

Any advice i give is my own and is based solely on personal experience. If in any doubt about a situation , please contact a certified legal representative or debt counsellor..

 

 

If my advice helps you, click the star icon at the bottom of my post and feel free to say thanks

:D

Link to post
Share on other sites

I have no problem paying the debt if I actually do still owe it, but like I said I'm pretty sure it was paid years ago.

 

Would I send it to Lowell or Fredrickson? As this is the first letter I have received from Freds and it says that they have been authorised by Lowells to secure repayment.

 

I think I will still sar Shop Direct anyway to find out if the debt was paid or at least when the last payment was made.

 

Send it by postal order but keep it blank. Make sure the PO is crossed. Do not sar lowell. They wont hold any info on you at all, and is a waste of money

 

Never sent a postal order before... what do you mean keep it blank?

Link to post
Share on other sites

you don't write a payee name.

 

and read the letter properly

 

it does NOT SAY WILL ANYWHERE

 

don't fall for the threats.

 

 

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... 

Link to post
Share on other sites

  • Recently Browsing   0 Caggers

    • No registered users viewing this page.

  • Have we helped you ...?


×
×
  • Create New...