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    • No! What has happened is that your pix were up-to-date: 5 hours' maximum stay and £100 PCN. The lazy solicitors have sent ancient pictures: 4 hours' maximum stay and £60 PCN. Don't let on!  Let them be hoisted by their own lazy petard in the court hearing (if they don't bottle before).
    • Thanks for all the suggestions so far I will amend original WS and send again for review.  While looking at my post at very beginning when I submitted photos of signs around the car park I noticed that it says 5 hours maximum stay while the signage sent by solicitor shows 4 hours maximum stay but mine is related to electric bay abuse not sure if this can be of any use in WS.
    • Not sure what to make of that or what it means for me, I was just about to head to my kip and it's a bit too late for legalise. When is the "expenditure occured"?  When they start spending money to write to me?  Or is this a bad thing (as "harsh" would imply)? When all is said and done, I do not have two beans to rub together, we rent our home and EVERYTHING of value has been purchased by and is in my wife's name and we are not financially linked in any way.  So at least if I can't escape my fate I can at least know that they will get sweet FA from me anyway   edit:  ah.. Sophia Harrison: Time bar decision tough on claimants WWW.SCOTTISHLEGAL.COM Time bar is a very complex area of law in Scotland relating to the period in which a claim for breach of duty can be pursued. The Scottish government...   This explains it like I am 5.  So, a good thing then because creditors clearly know they have suffered a loss the minute I stop paying them, this is why it is "harsh" (for them, not me)? Am I understanding this correctly?  
    • urm......exactly what you filed .....read it carefully... it puts them to strict proof to prove the debt is enforceable, so thus 'holds' their claim till they coughup or not and discontinue. you need to get readingthose threads i posted so you understand. then you'll know whats maybe next how to react or not and whats after that. 5-10 threads a day INHO. dont ever do anything without checking here 1st.
    • I've done a new version including LFI's suggestions.  I've also change the order to put your strongest arguments first.  Where possible the changes are in red.  The numbering is obviously knackered.  See what you think. Background  1.1  The Defendant received the Parking Charge Notice (PCN) on the 06th of November 2020 following the vehicle being parked at Arla Old Dairy, South Ruislip on the 05th of December 2019.  Unfair PCN  4.1  On XXXXX the Defendant sent the Claimant's solicitors a CPR request.  As shown in Exhibit 1 (pages 7-13) the solicitors helpfully sent photos of 46 signs in their evidence all clearly showing a £60.00 parking charge notice (which will  be reduced if paid promptly).  There can be no room for doubt here - there are 46 signs produced in the Claimant's own evidence. 4.2  Yet the PCN affixed to the vehicle was for a £100.00 parking charge notice (reduced if paid promptly).  The reminder letters from the Claimant again all demanded £100. 4.3        The Claimant relies on signage to create a contract.  It is unlawful for the Claimant to write that the charge is £60 on their signs and then send demands for £100.   4.4        The unlawful £100 charge is also the basis for the Claimant's Particulars of Claim. No Locus Standi 2.1  I do not believe a contract exists with the landowner that gives MET Parking Services a right to bring claims in their own name. Definition of “Relevant contract” from the Protection of Freedoms Act 2012, Schedule 4,  2 [1] means a contract Including a contract arising only when the vehicle was parked on the relevant land between the driver and a person who is-  (a) the owner or occupier of the land; or  (b) Authorised, under or by virtue of arrangements made by the owner or occupier of the land, to enter into a contract with the driver requiring the payment of parking charges in respect of the parking of the vehicle on the land. According to https://www.legislation.gov.uk/ukpga/2006/46/section/44  For a contract to be valid, it requires a director from each company to sign and then two independent witnesses must confirm those signatures.  2.2  The Defendant requested to see such a contract in the CPR request.  The contract produced was largely illegible and heavily redacted, and the fact that it contained no witness signatures present means the contract has not been validly executed. Therefore, there can be no contract established between MET Parking Services and the motorist. Even if “No Parking in Electric Bay” could form a contract (which it cannot), it is immaterial. There is no valid contract. Illegal Conduct – No Contract Formed  3.1 At the time of writing, the Claimant has failed to provide proof of planning permission granted for signage etc under the Town and Country Planning Act 1990. Lack of planning permission is a criminal offence under this Act and no contract can be formed where criminality is involved.  3.4        I also do not believe the claimant possesses this document.  No Keeper Liability  5.1        The defendant was not the driver at the time and date mentioned in the PCN and the claimant has not established keeper liability under schedule 4 of the PoFA 2012. In this matter, the defendant puts it to the claimant to produce strict proof as to who was driving at the time.  5.2 The claimant in their Notice To Keeper also failed to comply with PoFA 2012 Schedule 4 section 9[2][f] while mentioning “the right to recover from the keeper so much of that parking charge as remains unpaid” where they did not include statement “(if all the applicable conditions under this Schedule are met)”.    5.3        The claimant did not mention the parking period instead only mentioned time 20:25 which is not sufficient to qualify as a parking period.   Protection of Freedoms Act 2012  The notice must -  (a) specify the vehicle, the relevant land on which it was parked and the period of parking to which the notice relates; 22. In the persuasive judgement K4GF167G - Premier Park Ltd v Mr Mathur - Horsham County Court – 5 January 2024 it was on this very point that the judge dismissed this claim. 5.4  A the PCN does not comply with the Act the Defendant as keeper is not liable. Interest 6.2  It is unreasonable for the Claimant to delay litigation for four years in order to add excessive interest. Double Recovery  7.1  The claim is littered with made-up charges. 7.2  As noted above, the Claimant's signs state a £60 charge yet their PCN is for £100. 7.3  As well as the £100 parking charge, the Claimant seeks recovery of an additional £70.  This is simply a poor attempt to circumvent the legal costs cap at small claims. 29. Since 2019, many County Courts have considered claims in excess of £100 to be an abuse of process leading to them being struck out ab initio. An example, in the Caernarfon Court in VCS v Davies, case No. FTQZ4W28 on 4th September 2019, District Judge Jones-Evans stated “Upon it being recorded that District Judge Jones- Evans has over a very significant period of time warned advocates (...) in many cases of this nature before this court that their claim for £60 is unenforceable in law and is an abuse of process and is nothing more than a poor attempt to go behind the decision of the Supreme Court v Beavis which inter alia decided that a figure of £160 as a global sum claimed in this case would be a penalty and not a genuine pre-estimate of loss and therefore unenforceable in law and if the practise continued, he would treat all cases as a claim for £160 and therefore a penalty and unenforceable in law it is hereby declared (…) the claim is struck out and declared to be wholly without merit and an abuse of process.” 30. In Claim Nos. F0DP806M and F0DP201T, District Judge Taylor echoed earlier General Judgment or Orders of District Judge Grand, stating ''It is ordered that the claim is struck out as an abuse of process. The claim contains a substantial charge additional to the parking charge which it is alleged the Defendant contracted to pay. This additional charge is not recoverable under the Protection of Freedoms Act 2012, Schedule 4 nor with reference to the judgment in Parking Eye v Beavis. It is an abuse of process from the Claimant to issue a knowingly inflated claim for an additional sum which it is not entitled to recover. This order has been made by the court of its own initiative without a hearing pursuant to CPR Rule 3.3(4)) of the Civil Procedure Rules 1998...'' 31. In the persuasive case of G4QZ465V - Excel Parking Services Ltd v Wilkinson – Bradford County Court -2 July 2020 (Exhibit 2) the judge had decided that Excel had won. However, due to Excel adding on the £60 the Judge dismissed the case. 7.7        The addition of costs not previously specified on signage are also in breach of the Consumer Rights Act 2015, Schedule 2, specifically paras 6, 10 and 14.  7.8        It is the Defendant’s position that the Claimant in this case has knowingly submitted inflated costs and thus the entire claim should be similarly struck out in accordance with Civil Procedure Rule 3.3(4).  In Conclusion  8.1        I invite the court to dismiss the claim. Statement of Truth I believe that the facts stated in this witness statement are true. I understand that proceedings for contempt of court may be brought against anyone who makes, or causes to be made, a false statement in a document verified by a statement of truth without an honest belief in its truth. 
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Lowell Small Claims Court over old orange contract


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Hi there I am brand new to this forum so I'm looking for advice in regards to a matter that I have currently ongoing.

 

 

Back in 2012 after I had gone overseas for a funeral, by my own admission I had forgotten to turn off the data on my phone

so this at the time ran the bill I had with orange up to nearly £700 at the time.

 

 

At first orange were willing to comprise and set up an agreement to get my phone back up

but after telling me that I would need to pay nearly £500 just to get my phone back on,

I refused as I couldn't afford that at the time and it made no financial sense

 

 

me an orange eventually parted ways and I never heard from them for the rest of 2012 apart from the disconnection letter.

 

 

Then from 2013 to about the beginning of this year I received around 7/8 letter in total from what I can count that were in relation to this matter

but from different debt companies such as BDO Collections and eventually on to Lowell.

 

From around June this year though, Lowell have been trying to get this matter to court pursuing me for the debt.

They sent me a letter from Bryan Carter Solicitors saying they were looking to go to court over the matter

and I replied back saying that because I have never had a debt with Lowell that they should not be pursuing me for this debt.

 

 

Since then I got a letter from the Small Court Claim and Northampton Crown Court.

I replied back to both letter saying I have never had a debt with Lowell directly

and that I should not be going to court over a debt I am unaware of.

 

 

Lowell have even gone to the lenghts of putting a default on my Credit Report (See Below),

even though I have a default with Orange so it looks as if they are trying to give me a default on the same debt,

which Im sure they cannot do.

 

Other accounts

LENDER

BALANCEUPDATEDSTATUS

Orange Brought To You By Ee

£ 952

13/07/2015Default

Nwb Current Accounts

£ 0

05/07/2015Up to date

Shop Direct Finance Company LTD

£ 1,395

01/07/2015Up to date

O2 Uk Limited

£ 0

01/07/2015Up to date

Lowell

£ 1,403

21/06/2015Default

 

Now I have received a letter this week saying that I have a hearing on the

8th October at County Court at Birmingham Civil Justice Centre, The Priory Courts.

 

 

I am here for some advice in terms of what to do.

I have been looking on numurous forums such as these and it seems what Lowell are doing is illegal

in terms of trying to enforce a debt with people when the debt is not with them directly.

 

 

Is there any good advice that you can give me in terms of going forward.

Ideally I dont want to pay Lowell at all and think they are pretty much con artists when it comes to this.

 

 

I have been told about mediation as well.

Also will they be able to apply for an AOE from me if this goes all the way.

I only thought that would apply in Child support cases and cases with a bank etc.

 

I look forward to hearing your responses.

Kind Regards in Advance.

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This is not right as they have put a defualt in my name regarding this even though I have a defualt with Orange so they cant do that in terms of that.

 

Plus I have had no agreement with them whatsoever nor do I intend to.

 

So what happens if I just refuse to pay and ignore them completely?

 

This was back in 2012 when this all happened

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Hi there

What Orange have done as said above, is sold the account to Lowell.

Lowell have not placed a new default, merely changed the name and updated it. Which they are legally allowed to do.

Legally they can enforce the debt through court action.

 

You need to stop spurting and forget all this Get out of debt free stuff that you are talking about. IT IS WRONG and YOU WILL END UP WITH A CCJ because of that! Unless the experts here can pull a rabbit out of their hats!

 

Normally we advise members to read the following thread and post the answer here

 

http://www.consumeractiongroup.co.uk/forum/showthread.php?419198-You-have-received-a-Claim-What-you-need-to-do.-**UPDATED-December-2014**

 

IN addition you will need to let us know what has happened and what you have done SINCE receiving the N1 Claim form.

 

Did you acknowledge the claim?

Did you issue a Defence?

What is the hearing for? Is it a strike out hearing or is it the full hearing? What does the court directions say?

 

I am also moving this to financial legal forums so the legal peeps can see it easier

 

Regards

SS

Edited by SabreSheep
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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.

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N1 form?

Claim Form?

What are all these.

 

 

I dont think I received these.

 

 

I just sent back the forms I got from Northampton Crown Court and the courts.

 

 

So they can put a defualt on your credit report for the same debt?

 

 

and like I said what if I refuse to pay at all?

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The N1 claim form would be the first one that arrived from Northampton

If you refuse to pay then you will have a CCJ awarded against you.

 

If you refuse to pay that.

 

Lowell could instruct bailiffs, or HECOs AT FURTHER COST TO YOU

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.

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I want solutions and advice in terms of the next steps that can be taken.

 

Can I go directly back to orange and set up a agreement with them

or set up an agreement for the ORIGINAL amount

and not the £500 that Lowell have sneakily added on.

 

And if a 2nd CCJ came it not as bad as the one I have with the funeral

because that is a far more important debt

but I just want to now what I can do before this court date

and what viable options do I have

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for the orange debt sold to lowells

have you the claim number still?

 

 

pop up on the MCOL website and tell us the current status of the claim please?

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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for the orange debt sold to lowells

have you the claim number still?

 

 

pop up on the MCOL website and tell us the current status of the claim please?

 

Yes and do this too... :) Id like to know.

 

We could do with some help from you.

 

Have we helped you ...?         Please Donate button to the Consumer Action Group

 

**Fko-Filee**

Receptaculum Ignis

 

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Yes the debt is for Orange because they default amount is £952 but Lowell have added on extra costs.

 

The only letters I got from Byran Carter saying that Lowell are going to take it to court

and that they tried to get me to set up an agreement with them in their letter.

 

Is there a away I can set up an agreement for the ORIGINAL £952 balance as the £1403 that Lowell are asking for is ridiculous

 

MCOL website? What is that? and thanks for your help

 

I dont fully understand what you are saying.

 

I've already said that I received a form from the courts and sent it back.

 

I just have the letter I was sent on the 11th June stating that I have to send back the N180 form back to the courts by the 29th June which I did.

 

Like I said I sent that letter back and another one as well (not sure off the top of my head).

 

Im not going to know all these things as Im not no legal eagle.

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I know that... But I want to help... Not fight you... No you are not a legal eagle which is why I want to help you as best I can to resolve this situation.

 

What documents do you have in your possession that I can see?

 

Once again, Post 25... Follow what Ive asked you to do ....

 

I have that letter there and another from the courts back in May saying they received my defence.

 

I've another from Bryan Carter where they attatched the claim form that Lowell had sent to the courts.

 

 

I cant find any other letters at present regarding this

 

I not sure if I have those papers you are asking for

 

 

they might have been thrown away.

 

 

Going forward what can be done here in terms of this.

 

 

I've been told about mediation what is that?

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Hi JAJ...best if we start again...I will try to answer your questions from your initial post.

 

 

Hi there I am brand new to this forum so I'm looking for advice in regards to a matter that I have currently ongoing.

 

 

Back in 2012 after I had gone overseas for a funeral, by my own admission I had forgotten to turn off the data on my phone

so this at the time ran the bill I had with orange up to nearly £700 at the time.

 

 

At first orange were willing to comprise and set up an agreement to get my phone back up

but after telling me that I would need to pay nearly £500 just to get my phone back on,

I refused as I couldn't afford that at the time and it made no financial sense

 

 

me an orange eventually parted ways and I never heard from them for the rest of 2012 apart from the disconnection letter.

 

 

Then from 2013 to about the beginning of this year I received around 7/8 letter in total from what I can count that were in relation to this matter

but from different debt companies such as BDO Collections and eventually on to Lowell. Okay when it got to Lowell that would be the assignment date...Orange sold the debt to them

 

From around June this year though, Lowell have been trying to get this matter to court pursuing me for the debt.

They sent me a letter from Bryan Carter Solicitors saying they were looking to go to court over the matter

and I replied back saying that because I have never had a debt with Lowell that they should not be pursuing me for this debt.

 

They can they now own the debt ...not Orange

 

 

Since then I got a letter from the Small Court Claim and Northampton Crown Court.

I replied back to both letter saying I have never had a debt with Lowell directly

and that I should not be going to court over a debt I am unaware of. That was your defence

 

 

Lowell have even gone to the lenghts of putting a default on my Credit Report (See Below),

even though I have a default with Orange so it looks as if they are trying to give me a default on the same debt,

which Im sure they cannot do.

 

Its the same debt...only counts as one and is usual when a debts been assigned...makes no odds if it was on 4 times by different companies ...one debt one default.

 

Other accounts

LENDER

BALANCEUPDATEDSTATUS

Orange Brought To You By Ee

£ 952

13/07/2015Default

Nwb Current Accounts

£ 0

05/07/2015Up to date

Shop Direct Finance Company LTD

£ 1,395

01/07/2015Up to date

O2 Uk Limited

£ 0

01/07/2015Up to date

Lowell

£ 1,403

21/06/2015Default

 

Now I have received a letter this week saying that I have a hearing on the

8th October at County Court at Birmingham Civil Justice Centre, The Priory Courts. This is your trial date?...I assume you completed a directions questionnaire (n180)

 

 

I am here for some advice in terms of what to do. Have you completed the courts directions since allocation...ie submitted a witness statement and standard disclosure ?

I have been looking on numurous forums such as these and it seems what Lowell are doing is illegal Not illegal...1000s of threads here exactly the same its called debt assignment

in terms of trying to enforce a debt with people when the debt is not with them directly. Research debt assignment under Law of Property Act 1925

 

 

Is there any good advice that you can give me in terms of going forward.

Ideally I dont want to pay Lowell at all and think they are pretty much con artists when it comes to this.

 

Wait and see how the trial proceeds

 

I have been told about mediation as well. Did you opt for mediation in your directions questionnaire (1st question on the form)?

Also will they be able to apply for an AOE from me if this goes all the way.Yes if they judgment and you are in employment

I only thought that would apply in Child support cases and cases with a bank etc. No..applies to any money claim

 

I look forward to hearing your responses.

Kind Regards in Advance.

 

Regards

 

Andy

We could do with some help from you.

PLEASE HELP US TO KEEP THIS SITE RUNNING EVERY POUND DONATED WILL HELP US TO KEEP HELPING OTHER

 

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irrelevant content in & posts removed

 

 

dx

siteteam

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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Thank you Andy.

 

I have a better understanding of it now.

 

Tbh I cannot be bothered to go to court over a matter like this.

 

I did state at the time I did not want any mediation

 

what would happen now if I was looking to set up an agreement with them over the debt, but only for the original £952 default that was handed over to them?

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Have you received your Notice of Allocation...after submitting your DQ (Directions Questionnaire) ?

We could do with some help from you.

PLEASE HELP US TO KEEP THIS SITE RUNNING EVERY POUND DONATED WILL HELP US TO KEEP HELPING OTHER

 

Have we helped you ...?         Please Donate button to the Consumer Action Group - The National Consumer Service

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https://www.justice.gov.uk/courts/procedure-rules/civil/rules/part26/pd_part26#8.1

 

PD 8.1 & 8.2

 

this.......

 

http://wbus.westlaw.co.uk/forms/pdf/cpf00139.pdf

 

Notice of allocation

 

The notice of allocation will usually include:-

 

the court's decision on whether you can use an expert, and how many witnesses you can call; and standard directions. The date, time and place of the hearing is usually given at this stage. The directions will also tell you what you need to do next. You must follow these directions.

 

If you don't, the case could be postponed and you could have to pay all the costs of the case. You will usually be told to send the Claimant/ defendant copies of all the documents you wish to use in evidence and to file a copy of all these papers with the court.

 

You will be told to do this not less than 14 days before the hearing. A preliminary hearing may be called if the judge wants to discuss issues with you before the full hearing. You must attend the preliminary hearing or let the court know if the date is inconvenient and apply to the judge for another date to be set.

 

You may have to pay a fee for this if you have not indicated on the allocation questionnaire that you would be unavailable on this date. It is

possible for the judge to make a decision on the case at the preliminary hearing. You should therefore take along any written evidence that you have, but you should not bring your witnesses to court unless the judge has given permission for this.

 

In some cases the judge may decide that there is no need for a full hearing, and that the claim can be dealt with on written evidence only. If the judge decides this in your case you will be sent form N159, Notice of Allocation to Small Claims Track (No Hearing). However, if either party raises objections, your claim will proceed to a full hearing.

 

You must keep to any time limits you are given by the court or your case /defence may be dismissed (struck out).

We could do with some help from you.

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  • 4 weeks later...

So would I be able to set up an agreement with them before going to court for the £952 that I have been defaulted for, not the £1500 they are trying to get from me? I'd be willing to do that but nothing else

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Have you received your Notice of Allocation...after submitting your DQ (Directions Questionnaire) ?

 

?

 

You answer my post first then Ill answer yours:wink:

We could do with some help from you.

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Well its the most import document of the process...I would check and find out if the court has issued it.If its not been issued then the claim is stayed ...and going nowhere....yet

We could do with some help from you.

PLEASE HELP US TO KEEP THIS SITE RUNNING EVERY POUND DONATED WILL HELP US TO KEEP HELPING OTHER

 

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The claim is stayed...nothing happening...suspended....paused.

We could do with some help from you.

PLEASE HELP US TO KEEP THIS SITE RUNNING EVERY POUND DONATED WILL HELP US TO KEEP HELPING OTHER

 

Have we helped you ...?         Please Donate button to the Consumer Action Group - The National Consumer Service

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OK I will ask them.

 

 

I also spoke to Lowell today who were absolutely no help in trying to resolve this situation.

 

 

They said that they had passed the debt on to Fredricksons who in turn said it had been passed onto Bryan Carter.

 

 

Also when speaking with Lowell the man said that he could not send any documentation about the debt

but told me how it had been accrued and the extra debt on top of the original default fee.

 

 

So regardless if they are a legit debt company, the way the manipulate things is very concerning hence the posts you have on here.

 

 

If they have bought the original debt then it is the original debt that they should be requiring nothing more.

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No point speaking to Lowell ...they do not know anything about the debt except your name and address account number and balance....Ring the Court...... Notice of Allocation

We could do with some help from you.

PLEASE HELP US TO KEEP THIS SITE RUNNING EVERY POUND DONATED WILL HELP US TO KEEP HELPING OTHER

 

Have we helped you ...?         Please Donate button to the Consumer Action Group - The National Consumer Service

If you want advice on your Topic please PM me a link to your thread

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god please stop talking to fleecing DCA's or their fake/tame sols on the phone.

 

 

never ever discuss your debts to them.

 

 

all they want is money and they'll say or intimate anything to convince you to pay.

that they'll never put in black and white.

 

 

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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