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    • best to be sure it is a N279. not that they pull any underhand stunts of course   but we have seen it. your bal is now £0 but we'll still attend court as you'll probably not as we've said we've closed the account and we'll get a judgement by default. dx  
    • Sorry, last bit They had ticked that they wanted the application dealt with without a hearing, so is there any relevance that a date and time to attend said hearing has been sent out ?
    • I've not seen it personally but I think that's the letter Dad has had from Overdales. I'll see it tomorrow. It states balance: zero
    • Agreed as you clearly have little faith in your star runners, mind you - I have less - conditional on the welcher clause I defined being part, and that we are talking about the three defined candidates: Tice Farage and Anderson - not anyone anywhere as reform might (outside chance) get someone decent to run somewhere. If any of the three dont run - they count as a loss.   welcher clause. "If either of us loses and doesn't pay - we agree the site admin will change the welchers avatar permanently to a cows ass - specific cows ass avatar chosen by the winner - with veto by site on any too offensive - requiring another to be chosen  (or of course, DP likely allows you can delete your account and all your worthless posts to cheapskate chicken out and we'll just laugh) "
    • This is the full details, note they have made an error (1) in that paragraph 5 stated 14 days before hearing not 7. Surely a company of their size would proof read and shouldn't make basic errors like that 1) The Claimant respectfully applies for an extension of time to comply with paragraph 5 of the Order of Deputy District Judge XXX dated XX March 2024 i.e. the evidence upon which the parties intend to rely shall be filed and served not later than 7-days before the hearing. 2) The Claimant seeks a short extension of time allow them to further and properly investigate data provided to them by Royal Mail which is of importance to the proceedings and determination of the Claim. 3) The Claimant and Royal Mail have an information sharing agreement. Under the agreement, Royal Mail has provided data to the Claimant in respect of the matters forming the basis of these proceedings. The Claimant requires more time to consider this data and reconcile it against their own records. The Claimant may need to seek clarification and assurances from Royal Mail before they can be confident the data is correct and relevant to the proceedings i.e. available to be submitted as evidence. 4) The Claimant's witness is currently out of the office on annual leave and this was not relayed to DWF Law until after the event which has caused a further unfortunate delay. 5) The Court has directed parties to file and serve any evidence upon which they intend to rely not later than 14- days before the hearing i.e. by 4pm on 6 June 2024. Regrettably, the Claimant will have insufficient time to finalise their witness evidence and supporting exhibits as directed. We therefore respectfully apply to extend the time for filing/serving evidence so that the evidence upon which the parties intend to rely by filed and served not later than 7-days before the hearing i.e. by 4pm on 13 June 2024. 6) This application is a pre-emptive one for an extension of time made prior to the expiry of the deadline. In considering the application, the Court is required to exercise its broad case management powers and consider the overriding objective. 7) In circumstances where applications are made in time, the Court should be reticent to refuse reasonable applications for extensions of time which neither imperil hearing dates nor disrupt proceedings, pursuant to Hallam Estates v Baker [2014] EWCA Civ 661. 😎 It is respectfully submitted that the application is made pursuant to the provisions of CPR 3.1(2)(a) and in accordance with the overriding objective to ensure the parties are on an equal footing when presenting their cases to the Court. The requested extension of time does not put the hearing at risk and granting the Application will not be disruptive to the proceedings.   They have asked for extension Because 2) The Claimant requires additional time to consider and reconcile data received from Royal Mail which is relevant to these proceedings against their own data and records in order to submit detailed evidence in support of this Claim.
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Provident and Lowells


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I have a debt with provident which is now some two years old,

 

I have arthritis and chrones disease and am unable to work let alone leave the house very often.

 

due to events 2000 my husband now suffers with severe PTSD

he has just been diagnosed with arthritis and COPD,

 

he has been told that the extent of his trauma and facts that arose from from counselling ( childhood abuse)

that he is totaly unable to work or be in regular contact with people whom he does not know.

 

A debt collector called regular and took a small amount each time for the debt which stopped after a while.

 

Since the government crackdown on benefits by the government our income has decreased significantly

and we are now having to pay 25% of our Council Tax,

this leaves us absolutely no money to spare,

 

we cut of the gas ourselves and eat once a day.

 

I have now had a letter from Provident stating that they have sold the loan to Lowells

who say we now owe them the debt and are demanding payment,

 

what can I do I just dont have any money to give them?

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Shirts, I will try and find someone who can help :)

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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.

PLEASE DO NOT ASK ME TO GIVE ADVICE BY PM - IF YOU PROVIDE A LINK TO YOUR THREAD THEN I WILL BE HAPPY TO OFFER ADVICE THERE:D

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how many loans have you had with provi before this?

 

 

how much do you owe?

 

 

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 shirts

 

As DX has stated if you can provide details of the debts, dates?, who? and amounts? then we can advise on actions, there is a lot you can do, maybe even claim charges back on credit card / bank debts.

 

Have a read of the following links:-

 

7) DON'T BE BULLIED BY CREDITORS / DCA's CLICK HERE

8) IN DEBT DON'T PANIC CLICK HERE

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how many loans have you had with provi before this?

 

 

how much do you owe?

 

 

dx

I've had 3 or four loans from provident and have always paid in full and on time,

 

my husbands income was reduced by 60% when he had to stop work,

 

even his DLa does not cover what its intended for and

 

he has regularly (and myself) canceled hospital appointments because we simply cant get there

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did the loans run into each other? [refinanced]

 

 

i'e, a new loan was taken out and the old loan cleared by the new one?

 

 

did the agent take, at anytime a new loan was given, any money for its first payment

when the new loan was given?

 

 

i'e he gave you money, you then had to give some back?

 

 

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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did the loans run into each other? [refinanced]

 

 

i'e, a new loan was taken out and the old loan cleared by the new one?

 

 

did the agent take, at anytime a new loan was given, any money for its first payment

when the new loan was given?

 

 

i'e he gave you money, you then had to give some back?

 

 

dx

no, these were all separate
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ok thank you

 

 

just for clarity

he took no immediate payment when handing over the latest loan?

 

 

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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that's the ticket

 

 

no wonder they sold it

 

 

they must give a 14days cooling off period in case you decide you don't want it.

 

 

agreement unenforceable

 

 

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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http://fshandbook.info/FS/html/handbook/ICOBS/7/1

 

 

And from their own Website......

 

Right Of Withdrawal

 

With any loan there’s a right of withdrawal, which gives you 14 days to change your mind. During this time you can cancel your agreement at any point. The cooling off period starts either from the date of the loan agreement or the date when you received your copy of the agreement- whichever is latest.

 

If you decide you’d like to cancel your loan agreement within the withdrawal period, you must contact the company directly either by telephone, email or letter and inform them of your wish to cancel your loan.

 

If you do cancel your loan, you’ll need to repay the money borrowed plus any interestlink3.gif within 30 days of date the loan was cancelled.

 

 

have you par chance the agreement plus the T&C's?

 

 

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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no, these were all separate

yes he took the first payment

 

I'm a little confused. The previous loans were completely settled, an agent turned up, gave you a new loan and took the first payment on the same day?

 

 

have you par chance the agreement plus the T&C's?dx

 

I can't remember the exact wording offhand but there is line within the agreement that states that the first repayment will not be taken for at least 7 days after the loan has been issued. I can probably dig a blank agreement out and put up a scan if you want the exact T&C's.

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