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    • Hmmm, interesting point. In my career, that I am retired from now, there were an immense amount of rules and regulations that one had to adhere to by law. The qualification process is rigorous with on going assessments throughout your career and re-certification every 12 months. If you were shown to be not competent in those rules and regulations you could not hold the position and the operational consequences of that could potentially be dire. In the same respect, perhaps a judge who is not conversant in the rules of POFA should not sit in on cases that requires proficiency in that area? I also bow to your considerable knowledge in this area, perhaps I shouldn't be commenting but by doing so I find it helps the learning process. Your last point has just reminded me of something that may help my case, thank you.
    • Just had an email re the my breache in agreement by her rep.   I asked you yesterday if they had asked about her name in the thread being removed.   The issue they have is the Elizabeth turner and genetic pups entry on google.   they knew I did not put it up and told them so in court.  I dnt know how to post on google.   I told them I cannot remove what I did not post.  when i come back here and saw her name gone from threads title, I presumed her reps sought it.   now I get an email saying her names still on google ur breaching the agreement as it’s still on google.  
    • Peter McCormack says "ambition is big" and Real Bedford's attendances are increasing with promotions.View the full article
    • How does one obtain the permit? The permit team number is only open between the hours of 9am to 3pm Mon - Fri. It says on the website, To obtain an additional 2 hours, the driver must pay a tariff of £3.00 + booking fees in person at our Security Hut, is that how you get the permit also, from the security hut? What a rigmaroll that would be but maybe just another step to take to try and catch people out?
    • Anotheruser0000 bear in mind that not all Judges are equally versed in the PoFA regulations. Fortunately now most of them are but sometimes a Judge from a higher Court sits in who is well experienced  in Law but not PoFA. and so they sometimes go "offkey" because their knowledge can raise a different set of arguments and solutions. It does seem particularly unfair  when the decision is so  bad . it can also be that in some situations the motorist being a lay person is not sufficiently know ledgeable to be able to counter a Judge's decisions in a way that a barrister could.
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    • If you are buying a used car – you need to read this survival guide.
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    • 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.

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


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I have checked my credit report and

 

there are 4 defaults from lowells.

 

These defaults dates do not match up.

 

I rang them and insisted I didn't acknowledge the debt.

 

I asked for all the reference numbers of the alleged debt

 

they said they were phone contracts.

 

I wanted a copy of the original agreement

 

I was told no we don't have to supply it due to it being a verbal contract???

 

I found a template requesting these documents stating the consumer credit act and

sent along with a postal order for 1 pound.

 

Any info on how to get rid of these pests will be greatly appreciated

 

Thanks guys

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Hi there. Could you give more info on these debts and what has happened so far please?

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

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Mobile phone contracts are service contracts and not credit agreements, so a CCA request is pointless,

all Lowlifes will do is pocket the pound and claim that you made this payment toward this alleged debt,

therefore resetting the SB clock....nothing to worry about easily set right.

 

The letter you should have sent, if at all is the No debt acknowledged one.

However, if you rang them and didn't withhold your number they will now harass you day and night for their ill gotten gains.

 

NEVER EVER ring a debt collector, they have absolutely NO legal rights whatsoever, all they rely on is the debtors lack of knowledge and harassment and intimidation tactics.

 

If they have never written to you, nor the moby phone companies then let sleeping dogs lie.

You need to attack those companies first and ignore everyone else, unless of course you receive court documents.

 

The OC's will say settled, as they have palmed their bad debts off to these parasites, moby phone debts are notorious for having charges added which can be reclaimed.

 

A SAR (£10) to the moby phone Coy in question will show if there are any fees/charges you can reclaim.

  • Confused 1

Who ever heard of someone getting a job at the Jobcentre? The unemployed are sent there as penance for their sins, not to help them find work!

 

 

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Thanks for the reply.

 

I'm a bit gutted about the mobile phone contracts then.

 

The debts are really old and they have stopped harrasing me for a while now but

 

I had to ring to get the reference numbers.

 

The woman on the phone was saying all sorts which I knew wasn't legal so I told her straight.

 

The debts are from 2009 and on my credit file

 

they say the default date is 2011! Which is untrue.

 

The debts are of relatively smallish amounts and nothing has really happened with them apart from the odd letter.

 

Is there anything I can do to get these wiped or is it just a cas e of waiting...

 

I also have a ccj with marlins due to a bank account getting overdrawn by £90 and IIt has risen to over 1500!!

 

Although I didn't know before I checked my file as the correspondence must have gone to my old address

 

Thanks for the replys

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I have a copy of the letter which clearly states I sent the £1 for a copy of the CCA so If they do reset the SB clock suppose I have grounds for a dispute

Yes you will!

 

I also have a ccj with marlins due to a bank account getting overdrawn by £90 and IIt has risen to over 1500!

REALLY!! That is very interesting, can you start a new thread on that and others will be able to advise accordingly and give them a bloody nose!

 

Is there anything I can do to get these wiped or is it just a cas e of waiting...

Unfortunately wiping debts is a misnomer, arguing their legality is much more straight forward....marlins are pests at the best of times, and they need to be put back in their little box.

Who ever heard of someone getting a job at the Jobcentre? The unemployed are sent there as penance for their sins, not to help them find work!

 

 

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You can add a notice of correction on your credit files telling them that the default dates are incorrect, you can also make a formal complaint to the credit ref agency informing them that they are processing incorrect data, and they need to correct it or face possible legal action against themselves and the company they allowed to place said incorrect data, for defamation of character. BUT only threaten them with this if you are willing to take legal action against them.

 

Lowlifes have one of my moby debts, for a tiny amount, they like to email and sent one letter, I've just ignored them and don't ever intend to communicate with them unless I get bored and want to bait them.

Who ever heard of someone getting a job at the Jobcentre? The unemployed are sent there as penance for their sins, not to help them find work!

 

 

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  • 2 weeks later...

Hi I received a reply from lowells after sending a cca. They informed me they didn't have to send one as it's a service agreement etc. There was 3 accounts in question. They sent me a deed of assignment for 2 of them but nothing for the 3rd ( which is the largest one) only a letter saying I owe x amount. Where do I stand with this if anybody knows. Thankfully they sent my £1 back and didn't take it as payment.thanks on the accounts lol

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Correct mobile phone are service agreements and not credit agreements.

Notice of assignments are what they have sent you, not deeds of assignment.

How much is the moby debt?

Who ever heard of someone getting a job at the Jobcentre? The unemployed are sent there as penance for their sins, not to help them find work!

 

 

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Yeah notice of assignment sorry. Therewere 3 of them one is for £120 one is for £320 and the biggest is £900+ all with different providers.. Now I don't understand why they sent me assignments for 2 and not 3. What do I do now is there another letter to send.. The biggest one is statue barred after a year

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OK then, well the way to attack this would be IMO to send the phone company a SAR for the phone accounts, if they are all with the same company then this will only cost you a tenner, but, I would probably hit the £900+ one first, and see if there are any fees or charges on it, whcih can be reclaimed to bring the account back below the BR £750 threshold.

Who ever heard of someone getting a job at the Jobcentre? The unemployed are sent there as penance for their sins, not to help them find work!

 

 

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Sorry, the BR= Bankruptcy. The threshold or figure by which they can make you BR is £750, however it will cost them more than that to file for your BR.

 

If you can get the figure down underneath that amount then not only can they not threaten you with BR, but they couldn't force it on you either.

Who ever heard of someone getting a job at the Jobcentre? The unemployed are sent there as penance for their sins, not to help them find work!

 

 

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I'm going to send the sar to the 900 pound one.what is the br 750 threshold if you don't mind.me asking

 

Are the other two accounts with separate phone companies?

Ensure you send the £10 postal order and SAR via recorded delivery, and they have 40 calender days in which to send you everything they have regarding the account, send it to the moby phone coy, NOT lowlifes, all they need know is that you have submitted a SAR and will only correspond with them after you have reclaimed all of the fees charges and interest on the account.

Who ever heard of someone getting a job at the Jobcentre? The unemployed are sent there as penance for their sins, not to help them find work!

 

 

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Yes they are with different company's which is good. And I will send off the sar. The debt is sb in December so maybe I should leave the big one. There's a few other debts that I need to address but I thought I would test the water with lowells aka lowlife haah

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Ok. I just read the thread. PLEASE stop phoning lowells. They will say ANYTHING to trick you into paying. They couldnt care less about you or the validity of the debt. They just want money from you. Thats it.

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

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I phoned them once and haven't spoke since. I sent the letter that all correspondence. Should be in.writing and no.door step collectors etc as it will be deemed as harassment.. What I don't understand is wholly they sent me upon requesting only 2 of the 3 notices of assignment

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hi all me again. i recieved a letter from lowlifes today regarding my account, they sent me a statement which o2 sent to them allegedly, this klooks like a made up spreadsheet as o2 have my old address not my new one and all iot says is account balance, nothing else. i contacted o2 requested the sar, and this said that it was sold on to wescott, now lowells claim they bought the debt off o2 but o2 basically told me that this is lies. where do i stand

 

thanks

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