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    • Lowell has recently bought over one of my old debts and in chasing me for payment have sent details of the debt to my ex-wife via email. Let me first start by saying i do owe the debt and I don't dispute it; whether it is unenforceable I don't know and this post/thread isn't to find that out. Lowell bought this debt earlier in the year for an account I ran between 2021 and this year before falling behind with payments and the debt eventually being sold off despite my attempts to deal with the original creditor. Lowell have sent me ONE letter in respect of the debt before reaching out via email to my ex-wife, giving information about the original creditor and the amount owed. I'm very concerned that Lowell have adopted this approach as I thought contacting a friend or relative about a debt was outlawed by FCA, but to find they have done this has left me shocked and a little embarrassed. I'm also concerned that they have potentially breached GDPR by sharing details with a third party without my consent. While there's little personal data given aside from the creditor and amount, I am mentioned by first initial and surname in the email sent to my ex-wife. I've never used this email account, have never had access to it and it has no connection to the original creditor so I have no idea why Lowell would use it to try to reach me. I've made a complaint to Lowell both about the communication being sent to a third party and potential GDPR breach, but should I be doing anything else?
    • thread title updated. so a sold debt. who are the solicitors? TM legal? why didn't ovo do this themselves as they do but chose to sell the debt on for 10p=£1? funny debt you state you reived a letter of claim, why did you not reply too it.? also is there is no indication of the date this bill comes from on the claimform? how do you know its from 2022? what other previous paperwork have you received? please scan page 1 of the claimform and bothsides of ALL previous letters upto one mass pdf read upload carefully. .................. pop up on the bulk court website detailed on the claimform. [if it is not working return after the w/end or the next day if week time] . When you select ‘Register’, you will be taken to a screen titled ‘Sign in using Government Gateway’. Choose ‘Create sign in details’ to register for the first time. You will be asked to provide your name, email address, set a password and a memorable recovery word. You will be emailed your Government Gateway 12-digit User ID. You should make a note of your memorable word, or password as these are not included in the email.  then log in to the bulk court Website https://www.consumeractiongroup.co.uk/topic/466952-lowelloverdales-claimform-old-cap1-debt/?do=findComment&comment=5260464 .  select respond to a claim and select the start AOS box. .  then using the details required from the claimform . defend all leave jurisdiction unticked  you DO NOT file a defence at this time [BUT you MUST file a defence regardless by day 33 ] click thru to the end confirm and exit the website get a CPR  31:14  request running to the solicitors [if one is not listed send to the claimant] ... https://www.consumeractiongroup.co.uk/topic/332546-legal-cpr-3114-request-request-for-information-when-a-claim-has-been-issued/ type your name ONLY Do Not sign anything .do not ever use or give an email . you DO NOT await the return of ANY paperwork  you MUST file a defence regardless by day 33 from the date on the claimform [1 in the count] ..............  
    • Thank you again. I'm hoping it will come out in the wash and will endeavour to check my online account. I'm a bit unsettled by not hearing from Booking.com but the host is sounding helpful at the moment. HB
    • I've just remembered that a friend of mine had bookings cancelled on Booking.com about a month ago - and the good news is that all worked out in the wash. I'm at work now but will scribble properly in a couple of hours with the full tale.
    • Thank you Dave. I've had nothing from Booking.com, just a message via the site from the host. I know I need to check my bank account, just trying to resolve some technical issues. HB  
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loading bay PCN, lost at tribunal - can you help?


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I stopped in a loading bay at Hammersmith to load items in my car,

 

 

their traffic management Order states clearly that

"if you are disabled or are injured you can stop for as long as it takes to set down or pick up with your bags/luggage, no time limit.

 

 

The council lied at the tribunal and refused to give a copy of this traffic management Order.

 

 

The tribunal Judge referred the decision to the council who still wanted the money from me.

 

 

The tribunal is aware that they lied but will not do anything about it,

 

 

I tried judicial review but they said the tribunal had no case to answer so they did not deal with it.

 

 

I have contacted the ombudsman but they said to write to the council again and have this investigated first before they will deal with it,

but the council will not investigate because the tribunal has found in their favor so they still want this injustice to continue.

 

 

They have now applied for a recovery Order again and I need to apply for a TE7 extension of time in order to have this dealt with by the ombudsman.

 

Any one has any help and or advice? TNX

Edited by fynba
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the council withheld the information from the traffic management Order, this document would have shown that I had proper permission to stop in the bay for the time I did. They only sent me the document over a year of repeatedly asking them and nearly six months after the tribunals decision. They sent the document to me attached to the same email telling me that they were issuing a charge Order. Its like them forcing me to pay a fine for correctly parking in a disabled bay with a disabled badge.

 

I also feel that the tribunal judge did not have the knowledge to deal with it or deliberately sent it back to the council to make a decision which the tribunal should have made. I had a similar case where another council tried to do the same but the tribunal judge at that time, had the knowledge to deal with it correctly, and that is how I knew about the traffic management Order. I feel the tribunal is supporting the council because they feel ashamed of this but will not do the correct thing same as the council.

 

The tribunal is now aware that the council withheld this document and therefore amounts to lying but wont do anything about it.

 

nx for your reply

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you could try applying to the ombudsman again based upon the council's refusal to reinvestigate. Make sure that they know that this is a formal matter and not just an enquiry. I suspect that the best that will happen is the council are told to reconsider not investigating so you may have to go around in circles for a bit longer. A SAR to the council regarding the documents sent to PATAS and copy of any other data they hold in this regard may help but I would add a FOI request about the papers sent to the tribunal as well to stop them saying that the TMO and its non-appearance isnt your personal data. Likewise a SAR to the tribunal to get a copy of the evidence submitted and compare the 2. Again, may not tell you what you want to know but at least it will be harder to hide the facts if they are as you say.

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You can seek a review of the tribunal's decision if they made an error in law. I am not certain of the precise definition of 'error in law' but if you were legally entitled to park there, and the tribunal upheld the PCN, then that seems to me to be an error in law.

 

You'll need to tell us more. You said above, "I stopped in a loading bay at Hammersmith to load items in my car" - and "their traffic management Order states clearly that "if you are disabled or are injured you can stop for as long as it takes to set down or pick up with your bags/luggage, no time limit."

 

This provides unlimited time for you to stop and to pick up with luggage. It doesn't allow you any leeway for parking for any other reason (unless there is more you haven't quoted). So, were you away from the car for any time? How long? Were you sitting in the car not loading/unloading for any period? How long? Was there a vehicle type restriction on the bay (eg 'goods vehicles only')?

 

And can you clarify if you are disabled? You said you had a blue badge on display, but are you the blue badge holder (and is it valid and in date etc)?

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The entire thread makes no sense, he is claiming that he got a PCN for being in a loading bay whilst loading?? He goes on to claim that an exemption exists to drop off or pick up a disabled passenger and the Council hid this fact from PATAS yet he claims he was loading and makes no mention of dropping off or picking up a disabled passenger? Surely if you are loading in a loading bay you are not contravening and that should have been the grounds for dismissal? The TMO must be supplied in the evidence pack given to both parties if not that should have been raised at PATAS.

Maybe if help is required some facts that make sense would be a good start, the PATAS case number would be a good starting point!

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