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    • Just ignore it.  Despite their bluster G24 haven't dared take any of the "six of you" on CAG to court.
    • Jack Wilkinson  His address is one of those virtual offices, ie the actual business doesn’t operate from there and nobody seems to know where his garage is. However it’s 3 The Drive, Jubilee House, Brentwood, Essex, CM13 3FR I have paid him £5000 to date He’s place is about 2.5 hours away from me, but I currently live most of the year in France. I’ll attach the only piece of written evidence that I have from him. This was supposed to have been a report on the condition of the vehicle for my court case against Yew Tree Cars, but is pretty useless to be honest. He telephoned me last week to say that he was ill with Covid, but would be back at work the following Monday and the car would be returned tomorrow (4th December 2021). I sent him a text with information that I required from him before I would accept delivery of the vehicle (£175 each way). Text is added as an image below. This morning I had a phone call from his wife, with no caller id, who said that he was very ill in hospital with Covid, but he should be out on Monday. she said that they were going to take  the car to be MOT’d (it did have a 12 month MOT on it when it was collected last January) but apparently one of the 2 turbos has gone. She said Jack was going to source a replacement (obviously from a breakers yard) and fit it for free. Then it was discovered that the entire engine has to come out to fit it, which is going to cost in the region of £2000! Obviously I have no intention of paying anymore money to this person. The call ended with her telling me that Jack would telephone me next week to discuss it. Under normal circumstances one would imagine that him getting Covid is credible, but with his track record, I just see it as another delaying tactic. The forum that I found this information on is https://www.vwt4forum.co.uk/threads/ecu-solutions-brentwood-essex-any-reviews.1776159/page-4   I’m in the situation of not knowing what work he has actually done. I have no idea whether he is telling me the truth or anything. A thought that crossed my mind, after reading people’s posts on the VW site, is that he uses his customers vehicles to take parts from for other cars and then waits until a similar car comes in to replace them. I just can’t figure out the scam here, but there definitely is one! TEXT SENT ON 26/12/2021 Dear Jack, Further to our telephone conversation yesterday, I request the following from you please: 1. A full breakdown, including receipts, for the payment made to you by bank transfer to your account named 169UK for the amount of £3000 paid on the 14/01/2021. 2. A full breakdown, including receipts, for the payment made to you by bank transfer to your account named 169UK for the amount of £2000 paid on 05/02/2021. 3. Your VAT number and address of your business premises. The car wash centre where customers are requested to deliver/collect their vehicles from is not acceptable. Neither is the ‘dummy’ office that you use at Jubilee House, Brentwood, Essex. This is not your business premises. Under UK law, it is a legal requirement for you to provide this. You advised me yesterday that my vehicle will be returned to me by the end of next week, being 03/12/21. Before accepting receipt of the vehicle, the following is required: The documents requested in points 1-3, to be sent by email to **************@gmail.com  A photograph of the current mileage. A video of the exterior and interior of the vehicle. Evidence that the vehicle is running as it should be. 12 months MOT certificate. Warranty documentation for the replacement gearbox dated from 03/12/2021, again to be sent by email, before receipt of the vehicle will be accepted. Yours sincerely,   Trying to upload the photo of the document  that he sent to me by text (jpeg) but it won’t let me.  
    • Overall, the cost of the energy market failures could cost households more than £3bn, according to research from wealth management group InvestecView the full article
    • Is this the same car you bought for £4500 in December 2020 and then spent a further £7k on including a new gearbox?   And now you've spent another £5k on it (including a second replacement gearbox?) with somebody who has had the car for the last 11 months and you've had no use of it in all that time?   (I wondered if perhaps UK169 had carried out the original work and repairs after you had first bought the car last year, but you said on your other thread that you'd spent £7k on repairs, not £5k.  It's a bit confusing... )   EDIT:  Reading again, UK169 did carry out the original repairs etc after you bought it from Yew Tree although you did say on the other thread £7k not £5k.  So in the 11 months since you bought the car, it's only been in your physical possession for a couple of weeks and the rest of the time it's been with UK169?  Did you get any money back from Yew Tree?
    • Jack Wilkinson  His address is one of those virtual offices, ie the actual business doesn’t operate from there and nobody seems to know where his garage is. However it’s 3 The Drive, Jubilee House, Brentwood, Essex, CM13 3FR I have paid him £5000 to date He’s place is about 2.5 hours away from me, but I currently live most of the year in France. I’ll attach the only piece of written evidence that I have from him. This was supposed to have been a report on the condition of the vehicle for my court case against Yew Tree Cars, but is pretty useless to be honest. He telephoned me last week to say that he was ill with Covid, but would be back at work the following Monday and the car would be returned tomorrow (4th December 2021). I sent him a text with information that I required from him before I would accept delivery of the vehicle (£175 each way). Text is added as an image below. This morning I had a phone call from his wife, with no caller id, who said that he was very ill in hospital with Covid, but he should be out on Monday. she said that they were going to take  the car to be MOT’d (it did have a 12 month MOT on it when it was collected last January) but apparently one of the 2 turbos has gone. She said Jack was going to source a replacement (obviously from a breakers yard) and fit it for free. Then it was discovered that the entire engine has to come out to fit it, which is going to cost in the region of £2000! Obviously I have no intention of paying anymore money to this person. The call ended with her telling me that Jack would telephone me next week to discuss it. Under normal circumstances one would imagine that him getting Covid is credible, but with his track record, I just see it as another delaying tactic. The forum that I found this information on is https://www.vwt4forum.co.uk/threads/ecu-solutions-brentwood-essex-any-reviews.1776159/page-4   I’m in the situation of not knowing what work he has actually done. I have no idea whether he is telling me the truth or anything. A thought that crossed my mind, after reading people’s posts on the VW site, is that he uses his customers vehicles to take parts from for other cars and then waits until a similar car comes in to replace them. I just can’t figure out the scam here, but there definitely is one! TEXT SENT ON 26/12/2021 Dear Jack, Further to our telephone conversation yesterday, I request the following from you please: 1. A full breakdown, including receipts, for the payment made to you by bank transfer to your account named 169UK for the amount of £3000 paid on the 14/01/2021. 2. A full breakdown, including receipts, for the payment made to you by bank transfer to your account named 169UK for the amount of £2000 paid on 05/02/2021. 3. Your VAT number and address of your business premises. The car wash centre where customers are requested to deliver/collect their vehicles from is not acceptable. Neither is the ‘dummy’ office that you use at Jubilee House, Brentwood, Essex. This is not your business premises. Under UK law, it is a legal requirement for you to provide this. You advised me yesterday that my vehicle will be returned to me by the end of next week, being 03/12/21. Before accepting receipt of the vehicle, the following is required: The documents requested in points 1-3, to be sent by email to **************@gmail.com  A photograph of the current mileage. A video of the exterior and interior of the vehicle. Evidence that the vehicle is running as it should be. 12 months MOT certificate. Warranty documentation for the replacement gearbox dated from 03/12/2021, again to be sent by email, before receipt of the vehicle will be accepted. Yours sincerely,   Trying to upload the photo of the document  that he sent to me by text (jpeg) but it won’t let me.  
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Lowell / HFC SAR CCA request failure.


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Hi,

 

I have a debt with Lowells bought from HFC Bank, for approx £290

 

 

the last payment/acknowledgement was in March 2009.

 

 

Lowells bought the debt and started sending me letters and calling as they usually do.

 

 

However after first reading this site I sent them an SAR in March 2014.

 

 

They have dragged their feet attempting to comply with my request until today (Sunday)

 

 

I received an email from them the contents below.

 

 

They sent statements and other fairly useless info to me but failed to send an original CCA signed by me.

 

They have now stated they do not need to and instead sent me a copy of the agreement I may have signed way back in 2005.

 

 

The copy has my details handwritten but no signature or anything else.

 

Is there anything else I can do about this, as they say I now have 30 days to "arrange a repayment plan"....

 

As you can see from the email this has been going on since March 2014.

 

 

I also have a Barclaycard debt with them for which I am just starting the same process

as on the original SAR they only complied partially with the HFC account

and again have done nothing with the Barclaycard SAR or account since then

- well over 7 months for them to get the info together which they presumably dont have!!!

 

Contents of todays email copied below ----

 

Original Creditor: HFC Bank LTD

 

I write further to our email dated 21 August 2014 and apologise for the delay in responding.

 

Summary of your complaint

 

You are unhappy with our contact in relation to the above former HFC Bank LTD account,

as you believe we have failed to supply you with all the information you have requested under the Data Protection Act 1998.

 

My Findings

 

Please be aware that under Section 7 of the Data Protection Act 1998, we are only required to provide you with the documents that we hold.

We have no obligation to seek and obtain further documents that you request under this legislation.

 

Our records show that we responded to your request for information under Section 7 of the Data Protection Act 1998

and provided you with the data you are entitled to under such a request on 5 March 2014.

The Data Subject Access Request pack we provided complies with the requirements made under the request.

 

I note that you have requested a copy of the signed original credit agreement for the above account.

 

The documents required to be supplied in relation to any account governed by the Consumer Credit Act 1974

have been the subject of a lengthy legal test case of Carey v HSBC Bank PLC [2009]

where it was held by the High Court that to comply with such a request:-

 

1. The original signed agreement need not be supplied, as a reconstituted copy of the agreement is sufficient

provided it contains the name and address of the person as it was when the credit agreement was signed; and

 

2. If the terms and conditions of the credit agreement have been varied following the date it entered into,

then a copy of the last varied terms should also be supplied.

 

Given the above, please find attached a reconstituted copy of the agreement as supplied by the original creditor, HFC Bank LTD.

I have also enclosed statements of the account which demonstrate the balance remains outstanding and due.

 

I have placed your account on hold for 30 days to allow you the opportunity to review this information to contact us

with your repayment proposals. If we do not hear from you within this time, collection activity will resume.

 

I hope that this response concludes the matter to your satisfaction. If for any reason you are not satisfied with this response,

please do not hesitate to contact me on telephone number 0800 5420 058 or reply to this email.

 

Please refer to our email dated 21 August 2014 which gives you the right to refer this matter to the Financial Ombudsman Service.

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A SAR is ONLY sent to the original creditor, so to HFC, Lowlifes will have absolutely nothing at all on you.

 

A CCA request, can be sent to the DCA (lowlifes) demanding money off you.

 

So in a sense, Lowlifes have complied with your request.

 

When was the original agreement taken out?

 

What is the debt? Loan, card?

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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A load of tosh....

 

When was your last payment 2009 so it is not sb yet till next year

 

Have you had statements' from the DCA?

 

Send the account in dispute letter from the CAG library

 

Since the agreement is from 2005 then they need to send the original agreement to you

 

I would now CCA HFC direct for a £1.00 its worth it

 

If memory serves me you can also use the Civil Procedure rules to get the CCA as well

 

Make an official complaint in detail they will investigate it and give you a final resolution so you can then complain to the FCA

 

Stay off fo the phone do it all in writing by 2nd class post too

If I have been of any help, please click on my star and leave a note to let me know, thank you.

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sar HFC

 

 

CCA lowlife.

 

 

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... 

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start a new thead in the Barclaycard forum for that debt

 

 

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... 

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Hi thanks,

 

The agreement was started on 17/5/2005 and my last payment was on the 17/3/2009.

 

 

I have had a statement from the lowells which looks like the closing statement from HFC dated 29/9/09.

 

 

The account was for a loan for a TV.

 

 

Looking at the statements a lot of the amount outstanding looks like it could be made up of charges such as administration fees and rtd direct debit fees.

 

I will CCA HFC and see what happens.

 

 

I will also send the account in dispute letter to lowell,

 

 

do lowell or HFC have to send me the original agreement?

 

Thanks.

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Keep your email safe as you may need it later. The SAR should have contained all the information re: your account does it do so?

 

 

I would sent Lowlife a letter stating you have the SAR and will need time to digest it and claim the fees back and will need more than the 30 you allow, as I am not legally qualified, drag it out for 6 months then it will b SB

If I have been of any help, please click on my star and leave a note to let me know, thank you.

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Yes, I have kept all the emails, I have not contacted them by phone and have only signed anything digitally (the users of this site are VERY helpful). The SAR does contain the original account numbers, as these are on the closing statement from HFC which Lowells sent me.

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Sorry misread that before posting, the SAR does contain most information but I dont think it includes it all, eg they must have tried telephone contact more than those times stated on their contact log etc. (Sorry for the extra posts... getting late!)

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the op has not sent a CCA to lowlife

they sent an sar

 

 

they've returned a recon so p'haps no real point. mind.

 

 

the sar will get the CCA from HFC

if they have them they always include them in an sar

 

 

the OP has the statements do if we can see them please

 

 

we'll let you know what you can reclaim

 

 

please postthemup

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

HOW TO UPLOAD DOCUMENTS / IMAGES ON CAGicon IMMEDIATELY YOU DO NOT NEED 10 POSTS

.

IMPORTANT To protect your IDENTITY and ensure you remain ANONYMOUS on CAGicon you must ensure that you REMOVE all Personal Information including Barcodes, Names, Addresses etc

.

ENSURE: To leave all Monetary Figures and Dates.

.

DO NOT USE A BIRO, PEN, SEE THRU TAPE OR LABELS TO EDIT THE INFORMATION

.

1. SCAN YOUR DOCUMENT

.

- Set your default scan page size to A4 less than 300 DPI (150 will do)

- Scan the required letters/agreements/sheets - as a picture (jpg) file

- Don't forget you can use a mobile phone or a digital camera too!!

.

- If you have multiple scans/pictures please put these into a WORD DOC first ensuring you have removed all Personal Information before converting to PDF.

.

- IPHONE ONLY: Take a picture and Convert to PDF via an APP

.

2. HOW TO EDIT (Remove Personal Information)

.

- Do this using MSPAINT.EXE or any Photo Editing program and ensure to save the document.

.

3. HOW TO CONVERT YOUR DOCUMENT TO PDF

.

- If you have OFFICE installed this has an installable PRINT to PDF option so use this and save as PDF.

- If you have PDF as an installed driver use this program and save as PDF.

.

OR Go to one of the many free online pdf converter websites:

.

- http://freejpgtopdf.com/

- http://www.convert-jpg-to-pdf.net/

- http://www.freepdfconvert.com/

- http://www.pdfmerge.com/

- http://www.primopdf.com/

.

PLEASE REMEMBER: It would be better to upload a Multi-page PDF rather than multiple Single PDFs.

.

4. BEFORE UPLOADING YOUR DOCUMENT ON CAG

.

- Logically Name your PDF File so Users know what it is. DO NOT NAME YOUR FILE USING BANK NAMES OR CAG IN THE TITLE

.

- For Example: Default Notice DDicon-MM-YYYY.

.

IMPORTANT To protect your IDENTITY and ensure you remain ANONYMOUS on CAG please ensure that you do a final check that all Personal Information including Barcodes, Names, Addresses etc. are REMOVED before carrying out the NEXT STEP

.

5. HOW TO UPLOAD YOUR DOCUMENT ON CAG

.

- In your Thread/Post open a new msg box here.

- Click 'Go Advanced' below the msg box.

- Click 'Manage Attachments' below that box.

- Click the 'Add Files' button on the top right.

- Click 'Select Files', navigate to your file(s) on your PC.

- Click 'Upload Files'.

.

- You DON’T have to put a link to the attachment in the msg box just upload it ……… JOB DONE

- You can click on your links to check them too!!

.

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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