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    • the claimant in their WS can refer to whatever previous CC judgements they like, as we do in our WS's, but CC judgements do not set a legal precedence. however, they do often refer to judgements like Bevis, those cases do created a precedence as they were court of appeal rulings. as for if the defendant, prior to the raising of a claim, dobbed themselves in as the driver in writing during any appeal to the PPC, i don't think we've seen one case whereby the claimant referred to such in their WS.. ?? but they certainly typically include said appeal letters in their exhibits. i certainly dont think it's a good idea to 'remind' them of such at the defence stage, even if the defendant did admit such in a written appeal. i would further go as far to say, that could be even more damaging to the whole case than a judge admonishing a defendant for not appealing to the PPC in the 1st place. it sort of blows the defendant out the water before the judge reads anything else. dx  
    • Hi LFI, Your knowledge in this area is greater than I could possibly hope to have and as such I appreciate your feedback. I'm not sure that I agree the reason why a barrister would say that, only to get new customers, I'm sure he must have had professional experience in this area that qualifies him to make that point. 🙂 In your point 1 you mention: 1] there is a real danger that some part of the appeal will point out that the person appealing [the keeper ] is also the driver. I understand the point you are making but I was referring to when the keeper is also the driver and admits it later and only in this circumstance, but I understand what you are saying. I take on board the issues you raise in point 2. Is it possible that a PPC (claimant) could refer back to the case above as proof that the motorist should have appealed, like they refer back to other cases? Thanks once again for the feedback.
    • Well barristers would say that in the hope that motorists would go to them for advice -obviously paid advice.  The problem with appealing is at least twofold. 1] there is a real danger that some part of the appeal will point out that the person appealing [the keeper ] is also the driver.  And in a lot of cases the last thing the keeper wants when they are also the driver is that the parking company knows that. It makes it so much easier for them as the majority  of Judges do not accept that the keeper and the driver are the same person for obvious reasons. Often they are not the same person especially when it is a family car where the husband, wife and children are all insured to drive the same car. On top of that  just about every person who has a valid insurance policy is able to drive another person's vehicle. So there are many possibilities and it should be up to the parking company to prove it to some extent.  Most parking company's do not accept appeals under virtually any circumstances. But insist that you carry on and appeal to their so called impartial jury who are often anything but impartial. By turning down that second appeal, many motorists pay up because they don't know enough about PoFA to argue with those decisions which brings us to the second problem. 2] the major parking companies are mostly unscrupulous, lying cheating scrotes. So when you appeal and your reasons look as if they would have merit in Court, they then go about  concocting a Witness Statement to debunk that challenge. We feel that by leaving what we think are the strongest arguments to our Member's Witness Statements, it leaves insufficient time to be thwarted with their lies etc. And when the motorists defence is good enough to win, it should win regardless of when it is first produced.   
    • S13 (2)The creditor may not exercise the right under paragraph 4 to recover from the keeper any unpaid parking charges specified in the notice to keeper if, within the period of 28 days beginning with the day after that on which that notice was given, the creditor is given— (a)a statement signed by or on behalf of the vehicle-hire firm to the effect that at the material time the vehicle was hired to a named person under a hire agreement; (b)a copy of the hire agreement; and (c)a copy of a statement of liability signed by the hirer under that hire agreement. As  Arval has complied with the above they cannot be pursued by EC----- ------------------------------------------------------------------------------------------------------------------------------------------------------------------- S14 [1]   the creditor may recover those charges (so far as they remain unpaid) from the hirer. (2)The conditions are that— (a)the creditor has within the relevant period given the hirer a notice in accordance with sub-paragraph (5) (a “notice to hirer”), together with a copy of the documents mentioned in paragraph 13(2) and the notice to keeper; (b)a period of 21 days beginning with the day on which the notice to hirer was given has elapsed;  As ECP did not send copies of the documents to your company and they have given 28 days instead of 21 days they have failed to comply with  the Act so you and your Company are absolved from paying. That is not to say that they won't continue asking to be paid as they do not have the faintest idea how PoFA works. 
    • Euro have got a lot wrong and have failed to comply with the Protection of Freedoms Act 2012 Schedule 4.  According to Section 13 after ECP have written to Arval they should then send a NTH to the Hirer  which they have done.This eliminates Arval from any further pursuit by ECP. When they wrote to your company they should have sent copies of everything that they asked Arval for. This is to prove that your company agree what happened on the day of the breach. If ECP then comply with the Act they are allowed to pursue the hirer. If they fail, to comply they cannot make the hirer pay. They can pursue until they are blue in the face but the Hirer is not lawfully required to pay them and if it went to Court ECP would lose. Your company could say who was driving but the only person that can be pursued is the Hirer, there does not appear to be an extension for a driver to be pursued. Even if there was, because ECP have failed miserably to comply with the Act  they still have no chance of winning in Court. Here are the relevant Hire sections from the Act below.
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Lowell adding their own accounts to my credit files


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Hi,

 

I don't know if anyone is able to give me any advice.

 

Three or four years ago I had some financial troubles.

 

Recently I decided to get my head out of the sand and I ordered copies of my credit files.

 

I have found that in addition to the actual accounts that have been defaulted (bank account and storecard etc)

Lowell Financial have also added their own default.

 

The main question that I have is can Lowell do this?

 

I was intending to try and pay back as many companies as I could, but I object to paying two people for the same debt.

 

In addition to this my credit file will never clear as Lowell's default date on some of the accounts is nearly a year after the original holders date.

 

Thanks in advance.

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Lowell cannot add a new default, but on purchasing a debt can change the name of the creditor, or can substitute a default in their name but the other details should remain as they are.

 

You also should not be chased for the same debt by two different companies. You would be able to insist that Lowell remove their marker and update the original default notice.

 

So, who was the original creditor and what is the current status of the account - I wouldn't be surprised if Lowell, in addition to their many other sharp practices do this to encourage dialogue or acknowledgement of a debt where they have been unable to make contact in other ways!

Any advice given is done so on the assumption that recipients will also take professional advice where appropriate.

 

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Lowell can add their own entry in addition to the original creditor's as long as it's clear it relates to the same debt, the original is marked as settled/zero balance with a debt assigned marker, and the default dates etc remain the same.

 

As said, wrong dates are either plain incompetence, or a ploy to force you to make contact to get them corrected.

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no point in paying the debts off really either

 

it WONT improve your credit file

if theres a defaulted date registered

 

that's there for 6yrs regardless of what you do.

 

I'd be sending every one that owns your debts

a CCA request

before you ever think of paying anything

 

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

 

 

thanks everyone. I will write to them to see if they will change it. They and a company called Cabot have done a credit check on me lots of times. Sometimes more than once in a day. I might ask them to lay off that too.

 

 

Betty

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The searches done by these jokers, can only be seen by them and by you, however if it is an excessive amount of searches, then

you are well within your rights to complain,

 

And why are you asking them to change it?

Don't ask, DEMAND they change it and change it yesterday else they will pay you for their indiscretion, and pay you handsomely too!

You can also place a notice of correction on your file against their entries.

Who ever heard of someone getting a job at the Jobcentre? The unemployed are sent there as penance for their sins, not to help them find work!

 

 

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Lowell can add their own entry in addition to the original creditor's as long as it's clear it relates to the same debt, the original is marked as settled/zero balance with a debt assigned marker, and the default dates etc remain the same.

 

As said, wrong dates are either plain incompetence, or a ploy to force you to make contact to get them corrected.

 

I have noticed this on my account today,

what is concerning regarding Lowells current tactic of using a 'Default date' as 'cause of action'

is that when you look at the historical balance it only relates to the time Lowell took over the assignment.

 

This seems like an attempt to show no payments have been missed BEFORE the account default

which would be key in any Statute Bar defence.

 

Even speaking with original creditors is pointless as they pass all details on assignment

and the 6 years of account statements will probably not be available via a SAR

as once accounts are closed they have no requirement to keep the information apart from the statutory minimums.

thank you to all knowledgeable people on this site who give their time freely to help

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lots of if's and buts in your theory

 

 

there is no direct link whatsoever between defaults, defaulted date and default notices in relation to statute barring

nor cause of action. esp on any credit covered under the cca.

 

 

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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  • 10 months later...

Hi,

 

I have been trying to get Lowell to send me copies of all the details they hold for the accounts they have in my name.

They have tried a couple of times to get a CCJ so I am trying to get organised

and work out what I actually owe so that I can be ready for any more tries etc.

 

 

I have been using Reslover to contact them and despite this and the direct contact I have had with them

they have not sent me any statements or understandable proofs of debt etc.

 

 

I have now had the following email from them,

but I don't understand what a non-regulated account is.

 

 

Can anyone enlighten me?

 

Thanks in advance:

 

I’m writing to update you on the progress of your complaint investigation. Thank you for your patience so far.

 

In order to investigate your complaint fully, it has been necessary to gather

and review relevant information about your case and this is taking longer than anticipated.

I hope to have completed my investigation and be in a position to provide you with a full response as soon as possible.

 

It has now been eight weeks since we received your complaint.

You have the right to refer your complaint to the Financial Ombudsman Service, free of charge.

 

Although there are time limits for referring your complaint to the Ombudsman,

we will consent to the Ombudsman considering your complaint even if you refer the complaint outside the time limits.

 

For more information, the Ombudsman’s consumer leaflet, “your complaint and the ombudsman” can be accessed via the following hyperlink: http://www.financial-ombudsman.org.uk/publications/consumer-leaflet.htm alternatively, you can visit their website www.financial-ombudsman.org.uk

 

This service relates to regulated accounts only,

which excludes your account references 1xxxx, 1xxxxx6, 10xxxxx3 & 1xxxxx43 which are non-regulated.

 

If you would like to discuss your case further at this stage, please feel free to contact us on Freephone 0800 542 0058

 

Yours sincerely

 

Robert Sharman

 

Head of Compliance

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unregulated means not covered by your CCA request..

so what are the debts they have?

 

 

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 Dx,

 

thanks for getting back to me.

Lowell have three accounts for O2 (I dispute this as I would only ever have had one account),

 

 

one for Vanquis,

one for JD Williams,

one for EE and

one for Express gifts.

 

 

I think that's all of them.

 

 

I think the O2 accounts are the ones that are unregulated.

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what are the defaulted dates?

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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so bar the 2 mobile debts

each of the others

lowells have had a CCA request

and have failed to comply within 12+2 working days?

if so they get nowt

not really an awful lot your can do to remove the defaults

paying wont remedy your CRA file.

 

 

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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  • 1 month later...

Hi,

 

 

I have been getting some replies (finally!) from Lowell. One of them states:

 

 

Following receipt of your complaint, logged on 9 February 2015,

a query was submitted to Vanquis to request further documentation on the account.

I note that to date we have not received the requested information.

Therefore I have made the decision to close this account.

For clarity, this does not mean that the debt is no longer due or valid or that the default should no longer be reported.

A default will remain on your credit file for six years from the default date of 30 November 2011

as the credit file of an individual must give a true reflection of how credit has been managed,

including the recording of defaults where the relationship between the lender and borrower has broken down.

 

So I take it this means that all they are going to do is stop sending me their debt chasing letters?

If they can't get the proper information is it not possible that I can get the entry removed from my credit file?

I am not asking them to remove stuff that is accurate,

only the ones that are not completely correct.

Thanks in advance :-)

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having no cca is no reason to remove a default sadly.

the OC would have placed it before the sale to the debt buyer

they are your target.

 

 

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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Thanks Dx,

 

I have written and asked for the information but been ignored.

 

 

I will do an official data request now.

 

 

Is it right that both the OC and the debt collector can add information to my credit file?

 

 

Surely this just makes my file twice as bad because it looks like I have 2 bad accounts?

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dual entries do not hurt your score

as long as the defaulted date is not changed.

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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Share on other sites

Unregulated means not covered by the consumer credit act in its simplest terms

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I am not legally trained or qualified, any advice i offer is gleaned from experience and general knowledge, if you are still unsure after receiving advice please seek legal advice.

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thank you Martin. Does this mean that they can still take me to court for the money they are claiming I owe them, but that I can't complain to anyone if they are not acting professionally in the way they are debt collecting me?

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consider sending the OC on these unregulated accounts an sar.

get all the details.

might be worth while

in case the worst does happen.

then we/you will be prepared.

 

 

so EE and o2

 

 

FWIW most mobile debts that get a claimform tend to be dropped or stayed

going by these forums

as long as YOU FILE A DEFENCE

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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