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    • Thank-you dx for your feedback. That is the reason I posted my opinion, because I am trying to learn more and this is one of the ways to learn, by posting my opinions and if I am incorrect then being advised of the reasons I am incorrect. I am not sure if you have educated me on the points in my post that would be incorrect. However, you are correct on one point, I shall refrain from posting on any other thread other than my own going forward and if you think my post here is unhelpful, misleading or in any other way inappropriate, then please do feel obliged to delete it but educate me on the reason why. To help my learning process, it would be helpful to know what I got wrong other than it goes against established advice considering the outcome of a recent court case on this topic that seemed to suggest it was dismissed due to an appeal not being made at the first stage. Thank-you.   EDIT:  Just to be clear, I am not intending to go against established advice by suggesting that appeals should ALWAYS be made, just my thoughts on the particular case of paying for parking and entering an incorrect VRN. Should this ever happen to me, I will make an appeal at the first stage to avoid any problems that may occur at a later stage. Although, any individual in a similar position should decide for themselves what they think is an appropriate course of action. Also, I continue to be grateful for any advice you give on my own particular case.  
    • you can have your humble opinion.... You are very new to all this private parking speculative invoice game you have very quickly taken it upon yourself to be all over this forum, now to the extent of moving away from your initial thread with your own issue that you knew little about handling to littering the forum and posting on numerous established and existing threads, where advice has already been given or a conclusion has already resulted, with your theories conclusions and observations which of course are very welcomed. BUT... in some instances, like this one...you dont quite match the advice that the forum and it's members have gathered over a very long consensual period given in a tried and trusted consistent mannered thoughtful approach. one could even call it forum hi-jacking and that is becoming somewhat worrying . dx
    • Yeah, sorry, that's what I meant .... I said DCBL because I was reading a few threads about them discontinuing claims and getting spanked in court! Meant  YOU  Highview !!!  🖕 The more I read this forum and the more I engage with it's incredible users, the more I learn and the more my knowledge expands. If my case gets to court, the Judge will dismiss it after I utter my first sentence, and you DCBL and Highview don't even know why .... OMG! .... So excited to get to court!
    • Yep, I read that and thought about trying to find out what the consideration and grace period is at Riverside but not sure I can. I know they say "You must tell us the specific consideration/grace period at a site if our compliance team or our agents ask what it is"  but I doubt they would disclose it to the public, maybe I should have asked in my CPR 31.14 letter? Yes, I think I can get rid of 5 minutes. I am also going to include a point about BPA CoP: 13.2 The reference to a consideration period in 13.1 shall not apply where a parking event takes place. I think that is Deception .... They giveth with one hand and taketh away with the other! One other point to note, the more I read, the more I study, the more proficient I feel I am becoming in this area. Make no mistake DBCL if you are reading this, when I win in court, if I have the grounds to make any claims against you, such as breach of GDPR, I shall be doing so.
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Court Claim lowell/Carter - shop direct - but not our account ***Claim Dismissed / Costs***


Gia
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I'd let things run

 

 

you have the ace now

 

 

don't play that card or write to anyone outside of hearing carters next move FROM THE COURT THEMSELVES.

 

 

you claim for damages to the CRA file will most prob be against Shop Direct

and is un related to carters speculative claim I suspect.

 

 

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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I'd let things run

 

 

you have the ace now

 

 

don't play that card or write to anyone outside of hearing carters next move FROM THE COURT THEMSELVES.

 

 

you claim for damages to the CRA file will most prob be against Shop Direct

and is un related to carters speculative claim I suspect.

 

 

dx

 

Thank you :)

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  • 2 weeks later...

We have received the DQ today. It has to be returned to the court and BC/Lowell by 15 January.

 

Should I tick no to mediation and state my reason as being, I would be unable to make any agreement with the claimant as the account was statute barred before they issued the proceedings.

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no you must enter mediation

 

 

that's where you point out its sb'd to the mediator

 

 

look in the stickies here there a mediation info thread

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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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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  • 3 weeks later...

Just had a call about booking an appointment for mediation.

When asked if we would be willing to negotiate a payment plan via mediation we said no.

They asked why not and we informed them that we would not be able to agree to any payment on the account

when we have the mediation appt, as Lowell are in default of a CCA request,

and because a SARN to the original creditor has provided us with paperwork

proving the account was statute barred before court proceedings were issued.

 

They then decided that mediation was pointless in this case

and said they would inform the court of this,

and inform the court that the debt is statute barred.

 

They also said I should inform the claimant that the account was statute barred before they issued the claim, as this may end the matter.

 

 

So do you agree it is now time to let Lowells / Carter know?

or wait for a hearing date from the court and submit the evidence with the witness statement?

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Have you submitted a statute barred defence?

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I personally would just adapt and introduce it as part of your witness statement ...to change a defence you must make application and seek the courts/claimants approval...and there is the fee.

 

Andy

We could do with some help from you.

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I personally would just adapt and introduce it as part of your witness statement ...to change a defence you must make application and seek the courts/claimants approval...and there is the fee.

 

Andy

 

Thank you Andy, I will now just wait to hear from the court.

 

I just hope the judge does not get annoyed by the failure to let the claimant know about the statute barred status. Do not want to get a rollicking for wasting the courts time, when notifying the claimant may have stopped the court proceedings.

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If you only became aware of it after you submitted your defence and introduced it within your WS...cant see why the court should be vexed.

They will be more vexed at the claimant bringing a claim on a statute barred debt.

We could do with some help from you.

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Have we helped you ...?         Please Donate button to the Consumer Action Group - The National Consumer Service

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  • 1 month later...

We have to submit witness statement / paperwork to Lowells and the courts by 18th march. Please can someone guide me to a template / layout of a witness statement that I can adapt?

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Plenty of examples of witness statements in the Success Forum and here in the legal Issues...I note your last visit to the forums was 20th January...apart from the the few threads you have viewed today...have to search harder Gia....this is a self help forum.

 

Andy

We could do with some help from you.

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  • 4 weeks later...

Went to court this morning.

 

The Judge was not impressed with Lowell.

 

 

Said they failed to provide evidence of assignment of the debt,

told them their CCA response did not comply with the CCA 1974

and their "agreement" failed to contain all the terms and conditions at the time the account was taken out.

He said the agreement had been varied and as such they should have provided the original agreement.

 

 

Lowell flatly refused to disclose whether this signed agreement they produced was a true copy or a reconstituted copy.

To which they were informed they were in breach of CONC guidelines in relation to misleading creditors,

as the Judge's belief was that the agreement was reconstituted.

 

 

The Judge was concerned that the "signed agreement" was fraudulent as he was happy that it was not my sons signature

based on official documents containing his real signature that we produced in court.

He also agreed it was most likely statute barred too.

 

The case was dismissed,

we were awarded costs,

and told we should take the matter of the fraudulent signature, and breach of CONC guidelines to the appropriate bodies for Lowell's / Carter to be dealt with.

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great result

good judge too

nice to see them on the ball with conc which is quite new.

 

 

now time to get compo from whomever trashed his CRA file for all those years?

 

 

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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Hey.... well done Gia...delighted that this has been resolved in your favor...

 

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 OTHER

 

Have we helped you ...?         Please Donate button to the Consumer Action Group - The National Consumer Service

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  • 9 months later...
Ty Andy :)

may want to check out my court case which I also won. Judge had similar reservations and experian were hopeless and only corrected my file when I won bet you struggled to get lowell to comply with information requests under dpa and cpr

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http://www.consumeractiongroup.co.uk/forum/showthread.php?343397-3G-and-Lowell-Court-Cases/page2

 

No conclusion posted to your thread as yet rc14 ...did you get payment?

 

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 OTHER

 

Have we helped you ...?         Please Donate button to the Consumer Action Group - The National Consumer Service

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