Jump to content


  • Tweets

  • Posts

  • Our picks

    • If you are buying a used car – you need to read this survival guide.
      • 1 reply
    • Hello,

      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.  

      Car was dirty and test drive was two circuits of roundabout on entry to the showroom.  Was p/x my car and rushed by sales exec and a manager into buying the mini and a 3yr warranty that night, sale all wrapped up by 10pm.  They strongly advised me taking warranty out on car that age (2017) and confirmed it was honoured at over 500 UK registered garages.

      The next day, 18/1/24 noticed amber engine warning light on dashboard , immediately phoned BMW aftercare team to ask for it to be investigated asap at nearest garage to me. After 15 mins on hold was told only their 5 service centres across the UK can deal with car issues with earliest date for inspection in March ! Said I’m not happy with that given what sales team advised or driving car. Told an amber warning light only advisory so to drive with caution and call back when light goes red.

      I’m not happy to do this, drive the car or with the after care experience (a sign of further stresses to come) so want a refund and to return the car asap.

      Please can you advise what I need to do today to get this done. 
       

      Many thanks 
      • 81 replies
    • Housing Association property flooding. https://www.consumeractiongroup.co.uk/topic/438641-housing-association-property-flooding/&do=findComment&comment=5124299
      • 161 replies
    • 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.
      We will be recommending that people do include this adverse judgement in their bundle so that when they go to county court the judge will see both sides and see the arguments against this adverse judgement.
      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

Lowell Group - bit of a surprise


style="text-align: center;">  

Thread Locked

because no one has posted on it for the last 3436 days.

If you need to add something to this thread then

 

Please click the "Report " link

 

at the bottom of one of the posts.

 

If you want to post a new story then

Please

Start your own new thread

That way you will attract more attention to your story and get more visitors and more help 

 

Thanks

Recommended Posts

hi

 

I called Lowell today who are claiming 3 different amounts (2 from my wife and 1 from me) for O2 and T-Mobile.

 

I do not dispute that the amounts are outstanding (although I have no memory or paperwork about the original debt.)

 

However while trying to arrange a repayment schedule

and amount with them for all three of these

the woman (Saria) mentioned an old Capital One debt of £403 from 2007.

 

Is this even relevant?

I have absolutely no record of this original debt!

 

In fact are any of the amounts valid?

Do I have to deal with Lowell?

Can I go back to the original creditors?

 

Will paying these make any difference to our already damaged credit file?

 

Mike

Link to post
Share on other sites

Hi

Irrespective of what this woman may say, if no payment has been made to this particular debt then it will be Statute Barred.

 

As for the others, do you have individual threads regarding these?

If you are asked to deal with any matter via private message, PLEASE report it.

Everything I say is opinion only. If you are unsure on any comment made, you should see a qualified solicitor

Please help CAG. Order this ebook. Now available on Amazon. Please click HERE

Link to post
Share on other sites

First off, do not talk to them on the phone again ever period

 

We need to know info on the debts

 

 

WHo was the original lender

 

type of debt EG Credit, Overdraft etc

 

When account was taken out

 

Any PPI

 

Credit card charges?

 

Who OWNS the debt now.

 

Check your credit report.

 

Pay nothing untill you have sent CCA requests for the debts

PLEASE HELP US TO KEEP THIS SITE RUNNING

EVERY POUND DONATED WILL HELP US TO KEEP HELPING OTHERS

The SabreSheep, All information is offered on good faith and based on mine and others experiences. I am not a qualified legal professional and you should always seek legal advice if you are unsure of your position.

Link to post
Share on other sites

No all I have are the Lowell letters and references. The original O2 and T-Mobile reference numbers are on the letter.

 

With regards to the Capital One amount, do you mean if no payments have been made within a certain timescale?

 

Mike

 

Oh, and thanks!

Link to post
Share on other sites

mobile phone debts......

 

 

paying them WONT improve your credit file!!

 

 

but it will line the debt collectors pockets mind!

 

 

just don't forget the golden rule.

 

 

THEY ARE NOT BAILIFFS!!

and have

no SUCH LEGAL POWERS.

 

 

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... 

Link to post
Share on other sites

No all I have are the Lowell letters and references. The original O2 and T-Mobile reference numbers are on the letter.

 

With regards to the Capital One amount, do you mean if no payments have been made within a certain timescale?

 

Mike

 

Oh, and thanks!

 

there has to be a clear six year gap with no payment nor acknowledgement of this debt. Lowell have been mentioned in the past for inventing payments to an account which never happened.

If you are asked to deal with any matter via private message, PLEASE report it.

Everything I say is opinion only. If you are unsure on any comment made, you should see a qualified solicitor

Please help CAG. Order this ebook. Now available on Amazon. Please click HERE

Link to post
Share on other sites

But can they not involve the courts?

 

 

I see you've been told all the rubbish over the phone they'll never repeat in a letter....

 

 

was there any disputes over the mobile debts?

 

 

why were they not paid?

 

 

yes they could goto court

 

 

but ask yourself this

why did the original companies sell the debts..urm.

 

 

how old are they

can you list them from the credit file please

 

 

defaulted dates too

 

 

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... 

Link to post
Share on other sites

you should be able to cancel on your online banking webportal

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... 

Link to post
Share on other sites

Hi

 

I spoke to Lowell today and requested that they cancel any direct debit i agreed to set up yesterday. They've agreed to it.

 

I checked their data on the Capital One debt and it is as follows:

 

Account was set up 7/2/2003

Defaulted on 2/4/2007

No payment made since 29/8/2008

 

That pretty much makes it over 6 years in my books. The old boy at Lowell told me the can still pursue me for the debt even though it's Statute Barred.

 

Is he right?

 

I will post up the details of the other three accounts they are chasing in due course but would appreciate any feedback on the above?

Link to post
Share on other sites

they can ASK for payment

 

 

you can ask them to do one!!

 

 

no dice lowells - another fleecing attempt blown out

 

 

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... 

Link to post
Share on other sites

Am I right in thinking these DCAs buy delinquent accounts from creditors

and chase the borrower independent of the original creditor?

 

 

For example, if an account has already defaulted and is recorded on a person's credit file,

paying the DCA has no affect on the credit file and the original creditor gets none of the money the DCA recoups from the debtor?

Link to post
Share on other sites

Correct, Lowell Purchase Debts... They dont just administer.

However, they take over the reporting of the Credit file on the account. Any payment made to them goes against the credit file account and the balance SHOULD be updated... However as with CAG we have seen times where they fail to update naything.

Good one you managed to blow them out of the water with the Cap One Card.

Send them the Stat Barred Letter to get them off your back,,

Link to post
Share on other sites

if its been sold yes

its clear profit to their pockets after the init buy outlay

 

 

if an account is defaulted

it wont matter what you do or WHO you pay

the default is their for 6mts.

this is what the ICO says:

 

 

All references to a defaulted debt must be removed from your credit files after 6 years

has passed from date of default, whether paid off or not.

.

{the WHOLE ACCOUNT WILL VANISH, never to return}.

.

{however, this does not mean the debt itself is not still owed

consider a CCA request.}

.

This is so that someone who continues paying something

- even after 6 years from default

- should not be at a disadvantage to someone who pays nothing after default

and ends up with a clean file after 6 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... 

Link to post
Share on other sites

click the link?

 

 

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... 

Link to post
Share on other sites

it needs to be checked to see if its enforceable.

 

 

if you read a few threads here

many are not

they have 12+2 working days.

 

 

until/unless they provide an enforceable CCA within that time

you can stop any payments as the debt is in default

 

 

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... 

Link to post
Share on other sites

I too have received a CCJ claim form from the Lowell group which is for an O2 account. I have 4 healthy accounts with O2 and this referred to none of them so I was surprised at this. Turns out this is debt from 2007. It is in my name and raised by carphone warehouse!! Lowell obtained it in 2010. I don't recognise it and O2 have forwarded it to their fraud team. Meanwhile is this debt not statue barred anyway..I've not heard of it before last month, when Lowell were claiming a random amount but to whom?..Only when the CCJ claim came through today could i find out the further info from O2. What should I do now?

Link to post
Share on other sites

I too have received a CCJ claim form from the Lowell group which is for an O2 account. I have 4 healthy accounts with O2 and this referred to none of them so I was surprised at this. Turns out this is debt from 2007. It is in my name and raised by carphone warehouse!! Lowell obtained it in 2010. I don't recognise it and O2 have forwarded it to their fraud team. Meanwhile is this debt not statue barred anyway..I've not heard of it before last month, when Lowell were claiming a random amount but to whom?..Only when the CCJ claim came through today could i find out the further info from O2. What should I do now?

Link to post
Share on other sites

I too have received a CCJ claim form from the Lowell group which is for an O2 account. I have 4 healthy accounts with O2 and this referred to none of them so I was surprised at this. Turns out this is debt from 2007. It is in my name and raised by carphone warehouse!! Lowell obtained it in 2010. I don't recognise it and O2 have forwarded it to their fraud team. Meanwhile is this debt not statue barred anyway..I've not heard of it before last month, when Lowell were claiming a random amount but to whom?..Only when the CCJ claim came through today could i find out the further info from O2. What should I do now?

 

 

you need to URGENTLY

 

 

start a new thread

of you own

 

 

do NOT ignore the claimform

 

 

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... 

Link to post
Share on other sites

  • Recently Browsing   0 Caggers

    • No registered users viewing this page.

  • Have we helped you ...?


×
×
  • Create New...