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    • I was caught speeding 3 times in the same week, on the same road. All times were 8-12mph higher than the limit. I was offered the course for the first offense and I now need to accept the other 2 offenses. I just want to be ready for what might come. Will I get the £100 fine and 3 points for each of them or do I face something more severe?  These are my only offenses in 8 years of driving.
    • I'll get my letter drafted this evening. Its an item I sold, which I'm also concerned about, as whilst I don't have my original purchase receipt (the best I have is my credit card statement showing a purchase from Car Audio Centre), I do unfortunately have the eBay listing where I sold it for much less. But as I said before this is now a question of compensation: true compensation would seek to put me back into the position I was in before the loss ie: that title would remain with me until my buyer has accepted this, and so compensation should be that which would be needed to replace the lost item. But in the world of instant electronic payment, it could be argued that as I had already been paid, the title to the goods had already transferred, and I was required to refund the buyer after the loss. And so, despite my declared value being the retail price - that which is needed to return me to my pre-sales position, the compensatory value should be the value I sold it for, which being a second-hand item from a private seller is lower. I still believe that I should be claiming for the item's full value, rather than how much I sold it for, as this is the same for insurance: we don't insure the value we paid, but rather the value of the item to put us back into the position we would be in if we ever needed to claim. Its for the loss adjuster to argue the toss
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      On 15/1/24 booked appointment with Big Motoring World (BMW) to view a mini on 17/1/24 at 8pm at their Enfield dealership.  

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    • We have finally managed to obtain the transcript of this case.

      The judge's reasoning is very useful and will certainly be helpful in any other cases relating to third-party rights where the customer has contracted with the courier company by using a broker.
      This is generally speaking the problem with using PackLink who are domiciled in Spain and very conveniently out of reach of the British justice system.

      Frankly I don't think that is any accident.

      One of the points that the judge made was that the customers contract with the broker specifically refers to the courier – and it is clear that the courier knows that they are acting for a third party. There is no need to name the third party. They just have to be recognisably part of a class of person – such as a sender or a recipient of the parcel.

      Please note that a recent case against UPS failed on exactly the same issue with the judge held that the Contracts (Rights of Third Parties) Act 1999 did not apply.

      We will be getting that transcript very soon. We will look at it and we will understand how the judge made such catastrophic mistakes. It was a very poor judgement.
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      Also, we will be to demonstrate to the judge that we are fair-minded and that we don't mind bringing everything to the attention of the judge even if it is against our own interests.
      This is good ethical practice.

      It would be very nice if the parcel delivery companies – including EVRi – practised this kind of thing as well.

       

      OT APPROVED, 365MC637, FAROOQ, EVRi, 12.07.23 (BRENT) - J v4.pdf
        • Like

Lowells chasing an old Lloyd credit card debt - poss SB'd?


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Hi,

 

 

I've just looked at my credit file and can't see a debt that I'm being chased for.

 

 

Potentially this could mean it's statute barred.

 

 

I'm not sure when I last made a payment but have never acknowledged the debt since last payment.

 

 

The only issue is if it is barred then I recently offered a settlement offer before finding out it could be potentially barred.

 

 

I feel I've mucked up but would like some advise.

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As above...

Who is the debt with? DCA or Original Creditor?

If with a DCA, has the debt been sold on?

What type of debt? Overdraft/Credit Card/Loan etc. ?

Which Credit File did you check?

Was the offer made over the telephone or in writing?

 

Whoever is chasing you, do not talk to them on the telephone, keep everything in writing, if they ring, refuse to go through the Data Protection Questions and hang up.

You are under no legal obligation to speak to them on the telephone, this is their preferred method of contact so they can lie, bully & harass you into making a payment.

Never be afraid of your own telephone, you pay the bill not them, time to take control.

 

Stigman

NEVER telephone a DCA

If a DCA rings you, refuse to go through the security questions & hang up!

 

If I have helped you, click on the star & say thank you

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if it was statute barred by the time of your offer

NOTHING can unbar it once 6yrs has passed

 

 

how are you gauging the SB date?

 

 

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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Ok,

 

Depending on when you took the Credit Card out depends on the law but we will cross that bridge later.

Hopefully it is pre-March 2007 because Lowell's have to supply a full copy of your Credit Agreement.

 

Send Lowell's this...

http://www.consumeractiongroup.co.uk/forum/showthread.php?387435-CCA-Request-Consumer-Credit-Act-1974

Enclose a £1 postal order.

 

Lowell's have 12+2 working days to respond, the +2 working days are to allow for postage.

 

If Lowell's do not comply then they cannot start legal action.

 

Keep a paper trail so you have everything in order.

 

Post back with what Lowell's come back with (if any) but remember to remove all of your personal identifiers.

 

Stigman

NEVER telephone a DCA

If a DCA rings you, refuse to go through the security questions & hang up!

 

If I have helped you, click on the star & say thank you

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I have had the following replys sent back to me.

 

First of all they are saying that lowells own the debt.

 

I can confirm that lowell group own lowell reference 162xxxx.

 

 

I have now requested the credit agreement for this account.

 

 

We will be in touch as soon as we have 45 days, however this may take longer.

 

In a separate email they have told me it's not statute barred as the account defaulted on 18 April 2011

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so as question above

how are YOU gauging the SB date?

 

 

as for the agreement

they have 12+2 WORKING days

 

 

until/unless they supply the enforceable agreement and we check it

 

 

they are stuffed.

 

 

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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Too be honest Im unsure about times of last payment and admittance of the account.

 

I asked via email about the CCA not using a template letter which explains the 12 day ruling.

 

 

Should I send a copy of that to them?

 

 

As they are willing to do it through email is it OK through email in which I'm not offering the £1 for them to process it?

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you must post it with a £1 blank PO

 

 

don't sign the letter

 

 

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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