Jump to content


  • Tweets

  • Posts

    • Firstly please would you space and punctuate your posts in a way that makes it easier for people to read. When you post a solid block of text it discourages people. You can see that I have rearrange your post above and you can compare it with what I have copied from your original. T came at have a responsibility to ensure that anything you order is delivered to you. I think you are entitled to some evidence that it was left down the side passage. Who's the courier? You tell us that the courier has indicated that you have previously agreed to items being left in the side passage. Is this correct? Have you given them blanket approval or have you indicated an approval for particular items? Would it not be normal for items of this value to be signed for? In addition to addressing the questions I have put you above, please will you read our customer services guide and implement the advice there for any future phone calls you have with this company. I'm especially interested to know whether they would normally ask for a signature when parcels are delivered. I'm not sure that the fact that the delivery occurred more quickly than you expected is especially relevant.   How did you pay for it by the way?
    • Ok. should I drop the whole penalty thing in defence and just rely on not getting the notice to keeper - I am 70% sure they didn't issue it as I was back at the previous address but they can lie they did / show a document I never got and then it will take longer with the hearing....   well then will have to rely on abuse of process and signage. I wasn't going to submit the image of the sign "conveying the contract" as it clearly wasn't visible from driver's position.
    • The learning continues (well I think I'm learning!)...   I hadn't noticed that you can view your PCN on NPS' website. Strangely, the one for my other half seems quite different to how I remember it but I'm unreliable!   What I DO find interesting is that they're trying to do her for returning within the prohibited period - not overstaying! Apparently she clocked in first at 11:06, out at 11:45 then in again at 12:37 (a whole 8 minutes too early!) and out again at 12:53 - a total of only 55 minutes parking - and clearly nowhere near the allowed 90 minutes.   Once again, I'm not sure what - if any - bearing this has on things other than seeming now spectacularly petty and even opportunist!   Comments anyone? PCN J.pdf
    • what im trying to point out is that by using those two words fine and penalty after all your research your mindset is still not quite in the right box..   it cant be either, it was a speculative invoice issued by a private company for breaking some kind of imaginary contract you signed upto by entering a privately owned area .        
    • I placed an order with TK Maxx on 7/11/19 to the value of £170.   I went away for the weekend the following day to look after my grandchildren. When I returned home on 11/11/19 I found a card through my door from dpd saying “in side passage”. I checked but nothing was there.   The following day I emailed and phoned TK Maxx and explained what had happened. I mentioned that I was very surprised that an order that I had placed on the Thursday had been delivered the following day given their website says ‘up to 5 working days’.   The member of staff promised to contact the courier company and get back to me. Nothing happened-   I sent three chasing up emails and this morning spoke to someone on the phone. Basically she said there was nothing she could do about it.   The courier company had said they had left parcels there before and I had indicated that they could do so.   I asked to speak to someone else about this as I was obviously very unhappy to lose £170 and very dissatisfied with their response. The woman said there was no one else I could speak to and they would tell me what she had. I am so upset about this - and her attitude - the grudging admittance that someone should have been back in touch with me.   Quite clearly couldn’t care at all. Is there anything   I can do? Any advice gratefully received!
  • Our picks

exeterbay

Lowell and Creation

style="text-align:center;"> Please note that this topic has not had any new posts for the last 2139 days.

If you are trying to post a different story then you should start your own new thread. Posting on this thread is likely to mean that you won't get the help and advice that you need.

If you are trying to post information which is relevant to the story in this thread then please flag it up to the site team and they will allow you to post.

Thank you

Recommended Posts

Hi

We owe £3000 to Creation Finance and had agreed to pay £50pm some 2 years ago, we have paid on time each month and were happy to continue for now...

But We have received a letter form Lowell bluntly stating that that they have purchased the debt and we have to pay them.

I cancelled the Direct Debit to Creation so that they didnt receive the money and awaited for Lowell to contact us with a 'welcome pack'(!!!)

We have now received a letter form Clarity stating Failed payment notice!

Can we continue to pay the £50 pm to Lowell as we did to creation or are we at the mercy of Lowell now??

 

Many thanks

Share this post


Link to post
Share on other sites

Welcome exeterbay,I love the a "welcome pack" from Lowell,all you will get are idiotic demands, and you are not at the mercy of Lowells.

 

If they have purchased the debt then you should receive a Letter of Assignment from Creation and one from Lowells,I trust you have these?

 

Assuming you are happy and can afford to pay £50 per month then set up a Standing Order to Lowells not a Direct Debit that puts you in control.

 

Did this loan have PPI and where there any charges made by Creation

 

Regards FS

Share this post


Link to post
Share on other sites

Hi Firstship... speedy reply..nice.

Yes we have a letter of assignment from both companies.

£50 pm is fine ,

Lowells didnt give us any bank details they just said you must call us and pay the outstanding!

 

If we call them and say 'we were happy to pay £50 with creation and that is what we will continue to pay with you please give us bank details' can they argue with that?

 

Don't think it had PPI i've always been too tight to take it out (part of me wishes i had just to get some bulk cash back in!!) and not sure on charges, i will have to look through the paperwork, if there are charges what can i do about them?

 

we had received an offer letter from creation some time ago of 50% off the debt but we just didnt have the cash so it makes me think lowell have paid peanuts for it so they will take a low offer in the future?

Share this post


Link to post
Share on other sites

Lowell will have paid 4p-15p in the pound as you have paid on a regular basis it will be nearer the 15p,but they will not admit to this.

 

Never happy about phoning these low life,so write to them or email ask for their bank details and confirm you will continue to pay the £50 as agreed with Creation,they cannot and will not argue about the amount you are offering.

 

Did you have 0% pay back agreement with Creation?

 

You need to check the statements from Creation just in case you paid PPI,and list the charges as well, if any, these can be claimed back,any thing to reduce the balance outstanding

 

In due course you will receive an offer from Lowell's and it will be better than 50%,or at least usually is

 

FS

 

Am I correct this was a Loan?

Share this post


Link to post
Share on other sites

Hi

DO NOT call them! They will put pressure on you to make payments above and beyond what you can afford. Deal in writing only even though it is slower.

 

You tell them what you will be paying £50 per month is more than reasonable to me. Ask for their bank details and set up a Standing Order-Not a Direct Debit as they can change the amount at will (sometimes without informing you)

 

If you don't have all the paperwork regarding the original accoubt you would need to SAR the original creditor (costs a tenner). Account info would show what charges were added which can be reclaimed but it may show up other stuff too....


If you are asked to deal with any matter via private message, PLEASE report it.

Everything I say is opinion only. If you are unsure on any comment made, you should see a qualified solicitor

Please help CAG. Order this ebook. Now available on Amazon. Please click HERE

Share this post


Link to post
Share on other sites

thanks to you both!! cant believe they pay that little for it! I have another issue thats cropped up with Welcome finance, can i askyou about it in here or somewhere else? you guys are topdrawer so more than happy to share with you!but i have a couple other questions on this saga first..

 

What does 0% payback agreement mean?

 

It was a car loan

 

If there are charges why can i claim them back? and from who?

Share this post


Link to post
Share on other sites

Sorry as you had an agreement to pay Creation back at £50 per month did they freeze the interest?

 

If there where any charges for Late Payment, Underpayment ,or any other charges made for whatever reason,they can probably be claimed back from Creation,

 

So check all your paperwork and the agreement to see whether PPI was added.

 

FS

Share this post


Link to post
Share on other sites

thanks!! will check it all out!

im going to post another now to do with Welcome!!

Share this post


Link to post
Share on other sites

Lowell don't like payment plans hence the lack of payment instructions bank details...watch they don't issue a Statuary Demand/Court Claim for the full amount.

 

 

Regards

 

 

Andy


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

Share this post


Link to post
Share on other sites

You come straight back here and we'll help you fight them off.


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

Share this post


Link to post
Share on other sites

  • Recently Browsing   0 Caggers

    No registered users viewing this page.


  • Have we helped you ...?


×
×
  • Create New...