Jump to content

  • Tweets

  • Posts

    • That was over very quickly.   Whilst the claimants legal representative was going through the witness statement the judge highlighted that the statement of truth was out of date.    During my time to talk I highlighted that the judge from the allocation to small claims track had requested that the claimant also sends through the signed agreement (that the statement of truth references) by both company directors with witnesses present. It was noted that this hadn't been done.    I am very happy to announce the judge was then quick to dismiss the case, all this taking place within 15 minutes. The judge also highlighted the discrepancy between the signage of 1hour and 1hour and 30 mins (which I received during the freedom of information request) to which the legal representative admitted he had not seen. The fleecers hadn't forwarded on the freedom of information request or my witness statement/defence to him.    Speaking with the legal representative before the case he had asked if he could look over my defence, I was reluctant to let him look before the case but was curious to what defence he could conjure in 5minutes so I accepted. He then said that he would ask the judge for proof that I had sent my defence in good time, I showed him (before the hearing) an email I sent on the 6th April that I had infact sent it to DCB Legal, after this he did not mention it in court. It was clear that he had received very little information in regards to the case this was something he conceded at the end.    The judge asked for any final words and I brought up the topic of exceptional expenses due to the nature of the case being so definite. Also wasting everyone's time in the court room, the fleecers should be given the harshest penalty. She advised that I had not submitted a counter claim and that the maximum would be £95 for loss of earnings expenses.  We then proceeded to work out how much my salary was etc and the fleecers legal rep accepted I should be awarded the maximum.   I would like to thank you all for your help and time with sorting through this with me! Once the expenses have been paid I will make a donation the the page!!! Thanks again!!!  
    • Thanks, I live in Scotland and normally ignore these things, but because it occurred in England I thought I'd best deal with it. I  stupidly thought they'd see sense when I appealed and explained I hadn't seen the signs and hadn't parked there for Farmfoods. Should have known better.   For PCN's received through the post [ANPR camera capture] (must be received within 14 days from the Incident)   Please answer the following questions.   1 Date of the infringement 3/4/22   2 Date on the NTK [this must have been received within 14 days from the 'offence' date] 7/4/22  - it was issued to my car finance company who forwarded it to me.    [scan up BOTH SIDES as ONE PDF- follow the upload guide] please do not put JPG Picture files into your post   3 Date received not sure, less than a week after I parked there   4 Does the NTK mention schedule 4 of The Protections of Freedoms Act 2012? [Y/N?] N   5 Is there any photographic evidence of the event? 2 pictures, one showing the front of my car with timestamp, the other showing the back of my car with timestamp.   6 Have you appealed? [Y/N?] post up your appeal] It was an online appeal via the Psrking Eye website iirc. Have you had a response? [Y/N?] post it up Y - they just said the appeal was rejected.   7 Who is the parking company? Parking Eye   8. Where exactly [carpark name and town] Farmfoods, Berwick-upon-tweed   For either option, does it say which appeals body they operate under. POPLA and BSA   There are two official bodies, the BPA and the IAS. If you are unsure, please check HERE   If you have received any other correspondence, please mention it here - "notice of debt recovery" from dbcl     pdf24_images_merged.pdf
    • Dropped forms off at court, was hoping they’d check them for me but just had to post them. So no fee paid also no case  number on the form as I assumed they’d fill it out. Hopefully all is ok, I did add a sticky note with my number on asking to call for fees or any problems so hopefully be ok.   Also posted SAR yesterday and already had an email acknowledging the request.   My 7 days to agree to the consent order is now up. Not heard anything from moneybarn yet though.   I know it’s not required but I’m unsure if I should tell them I’ve applied for a time order?
    • You can always rely on DCBL to charge an extra amount  over and above what is actually lawful. I wonder if PE knows about it since most of their other legal [in the widest possible sense] companies don't.   After 14 days DCBL will probably send you a final notice before Court and then another couple of final letters at least after that. I often wonder why PE use the dimmest kids on the block to send out their legal documents. Then I realised that it is extremely difficult to distinguish which of their legal companies is actually the dimmest.
    • Stuart Kirk says his position became 'unsustainable' after he was suspended by the bank in May.View the full article
  • Recommended Topics

  • Our picks

  • Recommended Topics



style="text-align: center;">  

Thread Locked

because no one has posted on it for the last 3094 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


Start your own new thread

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



Recommended Posts



I've not been on here for a while. But today I have received a letter!!!!


Basically the letter is in three parts. The first letter appears to be from HSBC informing me that Lowell Financial have been sold the debt and any correspondence should go direct to them.


The second letter is from Lowell financial stating that I owe (HFC BANK LTD) £4050.


The third part of the letter is from the OFT giving me an arrears notice.


Ok, as you can see Lowell are stating that I owe HSBC BANK and HFC BANK £4050. Both of these letters have the same account numbers. I took out a loan with HFC BANK in 2000/2001. Got into financial difficulty and paid HFC a nominal amount through a debt consolidation company. I was paying this company up until 4 years ago when I got divorced and moved away.


However, I have never dealt or had any dealings with HSBC BANK.


What should I do please help



Link to post
Share on other sites

HFC are part of HSBC group and what you have had is a notice of assignment telling you that Lowell now own the account and it is they who now have rights to the payments.


I am not sure that the last part of your post is right though...the OFT giving you an arrears notice?


Did the debt company pass your payments on?


Is there any other dispute on the account?

If I have helped you please leave me a message by clicking my star


1. Single Premium PPI Q&A Read Here

2. Reclaim mis-sold PPI

Read Here

3. Reclaim Loan & Credit Card Charges Read Here

4. The CAG Interest Tutorial

Read Here

5. Feel Bullied by Creditors or Debt Collectors?

Read Here

6. Staying Calm About Debt

Read Here

7. Thinking of a Full & Final Settlement?

Read Here


How To Upload Documents To Cag







Private message facilities are offered for users to communicate issues that are perhaps inappropriate for posting on the main forum. Site rules explain this in more detail.


If you receive a private message which you consider abusive, derogatory or otherwise inappropriate, whether it be about yourself or other members, please report it using the "report" icon


If you are approached (or have been approached) by private message with an offer of help "Off Forum" or with a view to asking you to visit another website, please inform the site team via the report icon, especially if this results in a request for a fee. Remember, this is for your own protection

my views are my own and are given in good faith to try and help people. Please seek professional advice on your case if necessary





Link to post
Share on other sites

I was under the impression they were making payments. Because i have heard nothing from hfc for at least 9 years. then I stopped paying the company then this letter arrives.


I was thinking maybe a CCA and SAR request what do u think? if i remember right this was a loan i had

Link to post
Share on other sites

I was under the impression they were making payments. Because i have heard nothing from hfc for at least 9 years. then I stopped paying the company then this letter arrives.


I was thinking maybe a CCA and SAR request what do u think? if i remember right this was a loan i had


Any advice? I wasnt really worried too much about the previous debts. But, this one is £4050 and somehow lowells have got my home number and are calling everyday!!!! What should I do?

Link to post
Share on other sites

You need to establish if hte DMP company was making the payments.


Sending a Subject Access Request would be a good move - there is a draft request in the CAG library, highglighted in green, top left of the screen. You will need to send £10.00 with the request and the company have 40 calendar days in which to provide the data. It should be sent to the Head/Registered office of the original Creditor.


Send a CCA request to Lowells if they are the new owner of the account.


There is also a telephone harrassment letter in the CAG library - if Lowells are telephoning as often as you say, then send that and demand they cease doing this.

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


Uploading documents to CAG ** Instructions **


Looking for a draft letter? Use the CAG Library

Dealing with Customer Service Departments? - read the CAG Guide first


1: Making a PPI claim ? - Q & A's and spreadsheets for single premium policy - HERE

2: Take back control of your finances - Debt Diaries

3: Feel Bullied by Creditors or Debt Collectors? Read Here

4: Staying Calm About Debt  Read Here

5: Forum rules - These have been updated - Please Read





2: Does your Bank play fair - You can force your Bank to play Fair with you

3: Banking Conduct of Business Regulations - The Hidden Rules

4: BCOBS and Unfair Treatment - Common Examples of Banks Behaving Badly

5: Fair Treatment for Credit Card Holders and Borrowers - COBS


Advice & opinions given by citizenb are personal, are not endorsed by Consumer Action Group or Bank Action Group, and are offered informally, without prejudice & without liability. Your decisions and actions are your own, and should you be in any doubt, you are advised to seek the opinion of a qualified professional.



Link to post
Share on other sites


  • Recently Browsing   0 Caggers

    • No registered users viewing this page.

  • Have we helped you ...?

  • Create New...