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    • I'm at work now but promise to look in later. Can you confirm how you paid the first invoice?  It wasn't your fault if the signal was so poor and there was no alternative way to pay.  There must be a chance of reversing the charge with your bank.  There are no guarantees but Kev  https://find-and-update.company-information.service.gov.uk/company/09766749/officers  has never had the backbone to do court so far.  Not even in one case,  
    • OK  so you may not have outed yourself if you said "we". No matter either way you paid. Snotty letter I am surprised that they were so quick off the mark threatening Court. They usually take months to go that far. No doubt that as you paid the first one they decided to strike quickly and scare you into paying. Dear Chuckleheads  aka Alliance,  I am replying to your LOCs You may have caught me the first time but that is  the end. What a nasty organisation you are. You do realise that you now have now no reason to continue to pursue me after reading my appeal since you know that my car was not cloned. Any further pursuit will end up with a complaint to the ICO that you are breaching my GDPR.  Please confirm that you have removed my details from your records. ------------------------------------------------------------------------------------------------------------------------------------------------------------ I haven't gone for a snotty letter this time as they know that you paid for your car in another car park. So using a shot across their bows .  If it doesn't deter them and they send in the debt collectors or the Court you will then be able to get more money back from them for  breachi.ng your data protection than they will get should they win in Court-and they have no chance of that as you have paid. So go in with guns blazing and they might see sense.  Although never underestimate how stupid they are. Or greedy.
    • Thank you. Such a good point. They did issue all 3 before I paid though. I only paid one because I didn’t have proof of parking that time, only for two others.    Unfortunately no proof of my appeal as it was just submitted through a form on their website and no copy was sent to me. I only have the reply. I believe I just put something like “we made the honest mistake of using the incorrect parking area on the app” and that’s it. Thanks again for your help. 
    • They are absolute chuckleheads. You paid but because you entered a different car park site also belonging to them they are pursuing you despite them knowing what you had done. It would be very obvious to everyone, including Alliance that your car could not have been in two places at the same time. Thank you for posting the PCN so quickly making it a pity that you appealed since there are so many things wrong with it that you as keeper are not liable to pay the charge. They rarely accept appeals since that would mean they lose money but they have virtually no chance of beating you in Court. Very unlikely that they will take you to Court given the circumstances. Just in case you didn't out yourself as the driver could you please post up your appeal.
    • Jasowter I hope that common sense prevails with Iceland and the whole matter can be successfully ended. I would perhaps not have used a spell checker just to prove the dyslexia 🙂 though it may have made it more difficult to read. I noticed that you haven't uploaded the original PCN .Might not be necessary if the nes from Iceland is good. Otherwise perhaps you could get your son to do it by following the upload instructions so that we can appeal again with the extra ammunition provided by the PCN. Most of them rarely manage to get the wording right which means that you as the keeper are not liable to pay the charge-only the driver is and they do not know the name and address of the driver. So that would put you both in the clear if the PCN is non compliant.
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Lowells/Carters Claim Form - old Lloyds Current Account OD **DISCONTINUED**


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I guys need some help

 

been sent a claim form from Northhampton CC on behalf of Lowells Portfolio Ltd and Bryan Carters Solicitors

regarding a debt we have no knowledge of,

 

seems a bit cliché but we actually do not know how we have this debt.

 

Out of the blue we had a letter two days ago regarding their intentions

 

and then voilà the claim for arrived.

 

I have dealt with debt agencies before but never has the happened so fast,

 

I really need some help and advice on how to deal with this,

 

Thanks

 

 

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Respond to the vexatious claim and state that you intend on defending this spurious claim in full, what him run.

 

Have you checked your credit file?

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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When you check your credit file your checking to see what is on there, if there are any defaults, and if so, whose name in next to the default.

 

Check it first before responding, I do believe you have 18 days in which to respond to a summons???

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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This is whats on the credit file with regards to the debt:

 

Lender - LLOYDS BANK PLC

Type - Current Account

Status - Default

Balance - Satisfied

Updated- 11/08/2013

 

Lender - LOWELL PORTFOLIO I LTD Type - Current Account

Status - Default

Balance - £536

Updated - 22/09/2013

 

Claim Form Amount £ 687.77

 

thanks

 

 

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register with MCOL

 

then log in

enter the claim form password

 

ack the claim.

 

defend all

 

don't tick the jurisdiction box

 

type up the PoC exactly as it appears on the claim form.

 

send carter a CPR 31:14

 

if you have no statements etc

might be an idea to send Lloyds an SAR to get them.recorded post

 

might get through in time.

 

 

Registered Office:

 

25 Gresham Street,

 

London EC2V 7HN

 

dx

  • Confused 1

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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thanks letsgetitsorted,

 

working on my defence at the moment which having spoke to my wife said the reason why we stopped using LLoyds

was they put the account overdrawn by £60 in charges then they added unauthorised overdraft fees

then put on an overdraft for £500 thats how it was left and

 

now we are here some five and a half years later with a £687 debt.

 

My wife did not spend on the overdraft just left the account as is

 

 

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Then IMO a debt made up completely of bank charges should never even get in front of a Judge, he will absolutely love this when he realises it is made up entirely of the banks fees and charges!

Brilliant, would love to be a fly on the wall if BC thinks he can win with this!

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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register with MCOL

 

then log in

enter the claim form password

 

ack the claim.

 

defend all

 

don't tick the jurisdiction box

 

type up the PoC exactly as it appears on the claim form.

 

send carter a CPR 31:14

 

if you have no statements etc

might be an idea to send Lloyds an SAR to get them.recorded post

 

might get through in time.

 

 

Registered Office:

 

25 Gresham Street,

 

London EC2V 7HN

 

dx

 

dx100uk, I have done the "Acknowledgement of Service" as per the instructions but now a little stuck you have asked me to type up the POC what do I do with that now? also to send Carter a CPR31:14, where do I find this? many thanks

 

 

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Type out their particulars here (verbatim) less any identifiable data.

 

CPR 31.14 current accounts here:-

 

http://www.consumeractiongroup.co.uk/forum/showthread.php?387483-LEGAL-CPR-31.14-Request-when-Claim-is-being-made-for-a-Current-Account

 

Regards

 

Andy

We could do with some help from you.

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Type out their particulars here (verbatim) less any identifiable data.

 

CPR 31.14 current accounts here:-

 

http://www.consumeractiongroup.co.uk/forum/showthread.php?387483-LEGAL-CPR-31.14-Request-when-Claim-is-being-made-for-a-Current-Account

 

Regards

 

Andy

 

thank you Andy here goes:-

 

THIS CLAIM IS FOR XXX.XX THE AMOUNT DUE UNDER AN AGREEMENT

BETWEEN THE ORIGINAL CREDITOR AND THE DEFENDANT TO PROVIDE FINANCE AND / OR SERVICES AND / OR GOODS.

 

THIS DEBT WAS ASSIGNED TO / PURCHASED BY Lowell Portfolio I Ltd ON 24/06/2013

AND SERVED PURSUANT TO THE LAWS OF PROPERTY ACT 1925

 

PARTICULARS

Re: Lloyds

A/C No. 123456789

 

AND THE CLAIMANT CLAIMS XXX.XX

 

THE CLAIMANT ALSO CLAIMS INTEREST PURSUANT TO S69 COUNTY COURT ACT 1984 FROM 24/06/2013 TO DATE AT 8% PER ANNUM TO XX.XX

Edited by Andyorch
Amounts removed

 

 

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Just found the statements and true to my word we had a credit of £4.67 as of the 9/09/2008 then they honoured a DD for 69.84 putting us overdrawn by 65.17, thereafter the debt has risen with only charges and interest to the current debt, I was wrong to say we had an overdraft.

 

 

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that's their usual crap vague poc too

 

there is no agreement as such toward current accounts

 

so it will be interesting to see what they post back regarding the cpr docs, particularly the 'agreement' for this.

 

I can see carter running away from this.

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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that's their usual crap vague poc too

 

there is no agreement as such toward current accounts

 

so it will be interesting to see what they post back regarding the cpr docs, particularly the 'agreement' for this.

 

I can see carter running away from this.

 

I wish they wouldn't but I think your right dx100uk

 

 

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You don't still use these charlatans do you?

I kicked them into touch for exactly the same reason a couple of years ago.

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 don't still use these charlatans do you?

I kicked them into touch for exactly the same reason a couple of years ago.

 

unfortunately so, our finamcial situation needs to change so we are lumbered with them until we sort out our credit rating too

 

 

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Your not lumbered with them at all.

 

Vote with your feet and open an account with a different banking group, try the CO-OP, if you don't change banks then they will continue to hold you to ransom.

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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Your not lumbered with them at all.

 

Vote with your feet and open an account with a different banking group, try the CO-OP, if you don't change banks then they will continue to hold you to ransom.

 

ok will certainly see what the co-op can do for us, thanks

 

 

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Reply back from Bryan Carter:

 

We can confirm the claim form was issued by the Northampton County Court Bulk Centre and the the Courts Protocol was followed when issuing the Claimants Particulars of Claim. Practice Direction 7c point 1.4 (3A) eliminates the requirements to attach the document to the Particulars of Claim then they are issued by this court.

 

We can confirm this matter will most be allocated to the Small Claims Track as this a simple contractual matter and Part 31 of the Civil Procedure Rules will therefore not apply.

 

In any event the Notices of Default and Assignment left the control of the Claimant when they were despatched to you.

 

It is the original creditors policy to issue agreements at the start of the contract and statements throughout the duration of the agreement and, in this regard, we ask you to refer to your own records.

 

We confirm we are not agreeable to an extension for filing your defence.

 

we confirm we are in receipt of your acknowledgement of service.

 

As you will be aware a Claim was issued in this matter on 5 February 2014. Please respond to the Claim.....blah blah blah

 

Right i need to get my defence in so how do we go about writing one up when the debt is made up of charges and interest,

 

Many Thanks

 

Kev

 

 

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usual rubbish from carter

 

bet he'll run away soon.

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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Share on other sites

right back now, to start the defence we have statements that show this bank have a history of returning our direct debits but on the 9th Sept 2008 we had a balance of : £4.67 in credit they then honour a DD for £69.84 putting us overdrawn by 65.17 then charges as follows:

02/09/2008 to 01/10/2008 = 185.94

02/10/2008 to 03/11/2008 = 31.30

04/01/2008 to 01/12/2008 = 2.95

02/12/2008 to 02/01/2009 = 3.86

03/01/2009 to 02/02/2009 = 78.78

03/02/2009 to 02/03/2009 = 159.47

03/03/2009 to 01/04/2009 = 4.87

02/04/2009 to 01/05/2009 = 7.19

02/05/2009 to 01/06/2009 = 7.51

02/06/2009 to 01/07/2009 = 7.37

07/07/2009 to 03/08/2009 = 8.23

03/09/2009 = 7.58

 

I am not sure if these figures help but would need help to get my defence papers drawn up, thank you

 

 

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