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    • Yep, I read that and thought about trying to find out what the consideration and grace period is at Riverside but not sure I can. I know they say "You must tell us the specific consideration/grace period at a site if our compliance team or our agents ask what it is"  but I doubt they would disclose it to the public, maybe I should have asked in my CPR 31.14 letter? Yes, I think I can get rid of 5 minutes. I am also going to include a point about BPA CoP: 13.2 The reference to a consideration period in 13.1 shall not apply where a parking event takes place. I think that is Deception .... They giveth with one hand and taketh away with the other!
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    • Regarding a driver, that HAS paid for parking but input an incorrect Vehicle Registration Number.   This is an easy mistake to make, especially if a driver has access to more than one vehicle. First of all, upon receiving an NTK/PCN it is important to check that the Notice fully complies with PoFA 2012 Schedule 4 before deciding how to respond of course. The general advice is NOT to appeal to the Private Parking Company as, for example, you may identify yourself as driver and in certain circumstances that could harm your defence at a later stage. However, after following a recent thread on this subject, I have come to the conclusion that, in the case of inputting an incorrect Vehicle Registration Number, which is covered by “de minimis” it may actually HARM your defence at a later stage if you have not appealed to the PPC at the first appeal stage and explained that you DID pay for parking and CAN provide proof of parking, it was just that an incorrect VRN was input in error. Now, we all know that the BPA Code of Practice are guidelines from one bunch of charlatans for another bunch of charlatans to follow, but my thoughts are that there could be problems in court if a judge decides that a motorist has not followed these guidelines and has not made an appeal at the first appeal stage, therefore attempting to resolve the situation before it reaches court. From BPA Code of Practice: Section 17:  Keying Errors B) Major Keying Errors Examples of a major keying error could include: • Motorist entered their spouse’s car registration • Motorist entered something completely unrelated to their registration • Motorist made multiple keying errors (beyond one character being entered incorrectly) • Motorist has only entered a small part of their VRM, for example the first three digits In these instances we would expect that such errors are dealt with appropriately at the first appeal stage, especially if it can be proven that the motorist has paid for the parking event or that the motorist attempted to enter their VRM or were a legitimate user of the car park (eg a hospital patient or a patron of a restaurant). It is appreciated that in issuing a PCN in these instances, the operator will have incurred charges including but not limited to the DVLA fee and other processing costs therefore we believe that it is reasonable to seek to recover some of these costs by making a modest charge to the motorist of no more than £20 for a 14-day period from when the keying error was identified before reverting to the charge amount at the point of appeal. Now, we know that the "modest charge" is unenforceable in law, however, it would be up to the individual if they wanted to pay and make the problem go away or in fact if they wanted to contest the issue in court. If the motorist DOES appeal to the PPC explaining the error and the PPC rejects the appeal and the appeal fails, the motorist can use that in his favour at court.   Defence: "I entered the wrong VRN by mistake Judge, I explained this and I also submitted proof of payment for the relevant parking period in my appeal but the PPC wouldn't accept that"   If the motorist DOES NOT appeal to the PPC in the first instance the judge may well use that as a reason to dismiss the case in the claimant's favour because they may decide that they had the opportunity to resolve the matter at a much earlier stage in the proceedings. It is my humble opinion that a motorist, having paid and having proof of payment but entering the wrong VRN, should make an appeal at the first appeal stage in order to prevent problems at a later stage. In this instance, I think there is nothing to be gained by concealing the identity of the driver, especially if at a later stage, perhaps in court, it is said: “I (the driver) entered the wrong VRN.” Whether you agree or not, it is up to the individual to decide …. but worth thinking about. Any feedback, especially if you can prove to the contrary, gratefully received.
    • Women-only co-working spaces are part of the new hybrid working landscape, but they divide opinion.View the full article
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lowell/? claimform - Cap1 Card 'debt'


alymac
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Hi

 

I've received noticed of a claim from lowells on behalf of capital one.

 

It's not mine but my partners who it terrible with money and buries her head every time it gets hard going.

 

I'm slightly better on dealing with things but struggle with understanding what is required to do.

 

In have registered with moneyclaim on line and requested for more time! Claim was issued on 24th March and we have been away dealing with the passing of my dad!

 

Claim is £2400 in total

HALIFAX - £603.27 *WON*

HALIFAX CC - £245 *WON*

NatWest CC - £400 *won*

BARCLYCARD -£84 REFUND claim #6qz54472

YORKSHIRE 1 BANK £472.56 claim # 6qz53180

YORKSHIRE II £1373.37 moneyclaim

LETTING AGENT £200 REFUNDED

MISSES NATIONWIDE £764 *WON*

MISSES TOP SHOP GE CAPITAL*WON*

rbs £81*won*

total so far £4138.56

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PLEASE HELP US TO KEEP THIS SITE RUNNING

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Any help I am able to give is from my own experience only. Should you have any doubt you should contact a qualified professional.

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Thread moved to Financial Legal Issues in view of the claim received.

 

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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Also, you state:

 

I've received noticed of a claim from lowells on behalf of Capital Oneicon.

 

It's not mine but my partners who it terrible with money and buries her head every time it gets hard going.

 

Did YOU recieve the claim? Is the debt a joint debt, or was it solely in her name?

Any advice i give is my own and is based solely on personal experience. If in any doubt about a situation , please contact a certified legal representative or debt counsellor..

 

 

If my advice helps you, click the star icon at the bottom of my post and feel free to say thanks

:D

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Also, you state:

 

 

 

Did YOU recieve the claim? Is the debt a joint debt, or was it solely in her name?

 

 

It's only in her name

HALIFAX - £603.27 *WON*

HALIFAX CC - £245 *WON*

NatWest CC - £400 *won*

BARCLYCARD -£84 REFUND claim #6qz54472

YORKSHIRE 1 BANK £472.56 claim # 6qz53180

YORKSHIRE II £1373.37 moneyclaim

LETTING AGENT £200 REFUNDED

MISSES NATIONWIDE £764 *WON*

MISSES TOP SHOP GE CAPITAL*WON*

rbs £81*won*

total so far £4138.56

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http://www.consumeractiongroup.co.uk/forum/attachment.php?attachmentid=62200&d=1458776047

 

 

Please copy and paste the text and answer all the q's ( use a different colour, red looks good!)

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It's only in her name

 

And was the claim in YOUR name? Fill in the link as requested too.

Any advice i give is my own and is based solely on personal experience. If in any doubt about a situation , please contact a certified legal representative or debt counsellor..

 

 

If my advice helps you, click the star icon at the bottom of my post and feel free to say thanks

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Name of the Claimant ? LOWELL PORTFOLIO

Date of issue – 24 March

 

What is the claim for

1 )The defendant entered into a consumer credit act 1974 regulated agreement with capital one under account ref ********** ('the agreement')

the defendant failed to maintain the required payments and a Default Notice was served and not complied with.

2 )the agreement was later assigned to the claimant on sep-2014 and notice was given to the defendant.

despite repeated requests for payment,tge sum of £2000+ remains due and outstanding.

3.And the Claimant claims

a)the said sum of £2000+

b)interest pursuant to s69 county courts act 1984 at the rate of 8% per annum from the date of Assignment to the date of issue,accruing at a Dailly rate of £0.468, but limited to one year,being £170.69

c) costs

 

What is the value of the claim? £2500

 

Is the claim for a current account (Overdraft)

or credit/loan account or mobile phone account? CREDIT CARD

 

When did you enter into the original agreement before or after 2007? AFTER

 

Has the claim been issued by the original creditor

or was the account assigned and it is the Debt purchaser who has issued the claim. LOWELL

 

Were you aware the account had been assigned – did you receive a Notice of Assignment? YES I BELIEVE SO

 

Did you receive a Default Notice from the original creditor? UNKNOWN

 

Have you been receiving statutory notices headed “Notice of Default sums” – at least once a year ? UNKNOWN

 

Why did you cease payments? NOT SURE

 

What was the date of your last payment? NOT SURE

 

Was there a dispute with the original creditor that remains unresolved? NO

 

Did you communicate any financial problems to NO

HALIFAX - £603.27 *WON*

HALIFAX CC - £245 *WON*

NatWest CC - £400 *won*

BARCLYCARD -£84 REFUND claim #6qz54472

YORKSHIRE 1 BANK £472.56 claim # 6qz53180

YORKSHIRE II £1373.37 moneyclaim

LETTING AGENT £200 REFUNDED

MISSES NATIONWIDE £764 *WON*

MISSES TOP SHOP GE CAPITAL*WON*

rbs £81*won*

total so far £4138.56

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And was the claim in YOUR name? Fill in the link as requested too.

 

No only in my partners name! I'm only trying to sort it for her!

HALIFAX - £603.27 *WON*

HALIFAX CC - £245 *WON*

NatWest CC - £400 *won*

BARCLYCARD -£84 REFUND claim #6qz54472

YORKSHIRE 1 BANK £472.56 claim # 6qz53180

YORKSHIRE II £1373.37 moneyclaim

LETTING AGENT £200 REFUNDED

MISSES NATIONWIDE £764 *WON*

MISSES TOP SHOP GE CAPITAL*WON*

rbs £81*won*

total so far £4138.56

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As you have already acknowledged service of the claim ...next task is to get a CCA request (section 78) asking for a copy of the agreement and also a CPR 31.14 request for any documents referred to within their particulars.

 

Follow the instruction provided in the link above.

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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CCA to Lowells

CPR 31:14 to the solicitors acting for Lowell

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Cpr 31:14 sent 11/04/16

CcA request sent 11/04/16

HALIFAX - £603.27 *WON*

HALIFAX CC - £245 *WON*

NatWest CC - £400 *won*

BARCLYCARD -£84 REFUND claim #6qz54472

YORKSHIRE 1 BANK £472.56 claim # 6qz53180

YORKSHIRE II £1373.37 moneyclaim

LETTING AGENT £200 REFUNDED

MISSES NATIONWIDE £764 *WON*

MISSES TOP SHOP GE CAPITAL*WON*

rbs £81*won*

total so far £4138.56

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Don't forget your defence needs to filed by 4pm on 25th April (Monday)

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EVERY POUND DONATED WILL HELP US TO KEEP HELPING OTHERS

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Don't forget your defence needs to filed by 4pm on 25th April (Monday)

 

Thanks! Not looked into the defence yet! Was hoping to check over statements first.

 

I start some research this week any pointers! On the little info I can get out the wife is its all charges and fees!

HALIFAX - £603.27 *WON*

HALIFAX CC - £245 *WON*

NatWest CC - £400 *won*

BARCLYCARD -£84 REFUND claim #6qz54472

YORKSHIRE 1 BANK £472.56 claim # 6qz53180

YORKSHIRE II £1373.37 moneyclaim

LETTING AGENT £200 REFUNDED

MISSES NATIONWIDE £764 *WON*

MISSES TOP SHOP GE CAPITAL*WON*

rbs £81*won*

total so far £4138.56

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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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  • 2 weeks later...

defence deadline 25th april, sorry it copied from another thread along the same lines, might need alot of reworking?

 

also my other half has took a call from lowell, asking if defence has been submitted! she offered her a payment plan and the court claim would be stopped, she agreed and has just told me this, ive just hit the roof!!!

 

1 )The defendant entered into a consumer creditlink3.gif act 1974 regulated agreement with Capital Onelink3.gif under account ref ********** ('the agreement')

2. The defendant failed to maintain the required payments and a Default Notice was served and not complied with.

 

3 )the agreement was later assigned to the claimant on sep-2014 and notice was given to the defendant.

despite repeated requests for payment,tge sum of £2000+ remains due and outstanding.

And the Claimant claims

 

a)the said sum of £2000+

b)interest pursuant to s69 county courts act 1984 at the rate of 8% per annum from the date of Assignment to the date of issue,accruing at a Dailly rate of £0.468, but limited to one year,being £170.69

c) costs

 

1. The Defendant contends that the particulars of claim are vague and generic in nature. The Defendant accordingly sets out its case below and relies on CPR r 16.5 (3) in relation to any particular allegation to which a specific response has not been made.

 

2. I have held an account with Capital One for credit card services however I do not recall the particular account number referred to and have requested a copy of the alleged agreement pertaining to this claim. As of this date the claimant has failed to comply with my section 78 request.

 

3.Paragraph 2 is denied, the claimant has failed to produce any evidence of a Default Notice being served or any evidence of any breach and furthermore would not be in a position to have knowledge of this..

 

4. Paragraph 3 is denied I am unaware of any alleged assignment purported to the account number referred to nor ever served any Notice of Assignment.

 

5. The Claimant has failed to provide any evidence of assignment/balance/breach requested by CPR 31.14, therefore the Claimant is put to strict proof to:

 

(a) Show how the Defendant has entered into an agreement; and

(b) Show how the Defendant has reached the amount claimed for; and

© Show evidence of service of a Default Notice and Notice of Sums in Arrears

(d) Show how the Claimant has the legal right, either under statute or equity to issue a claim;

 

6. As per Rule 16.5(4), it is expected that the Claimant prove the allegation that the money is owed by providing full accounting of the amount they have claimed.

 

7. On the alternative, if the Claimant is an assignee of a debt, it is denied that the Claimant has the right to lay a claim due to contraventions of Section 136 of the Law of Property Act and Section 82A of the Act 1974.

 

 

8. The Agreement cannot be enforced against the Defendant without an order of the court by the reason of the fact that both the Original Creditor and the Assignee remain in default as set out above and by reason of Section 78 of the Act.

 

9. By reason of the facts and matters set out above, it is denied that the Claimant is entitled to the relief claimed or any relief.

Edited by alymac
more info

HALIFAX - £603.27 *WON*

HALIFAX CC - £245 *WON*

NatWest CC - £400 *won*

BARCLYCARD -£84 REFUND claim #6qz54472

YORKSHIRE 1 BANK £472.56 claim # 6qz53180

YORKSHIRE II £1373.37 moneyclaim

LETTING AGENT £200 REFUNDED

MISSES NATIONWIDE £764 *WON*

MISSES TOP SHOP GE CAPITAL*WON*

rbs £81*won*

total so far £4138.56

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has any payment been made on this card since march 2010?

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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has any payment been made on this card since march 2010?

 

Yes

HALIFAX - £603.27 *WON*

HALIFAX CC - £245 *WON*

NatWest CC - £400 *won*

BARCLYCARD -£84 REFUND claim #6qz54472

YORKSHIRE 1 BANK £472.56 claim # 6qz53180

YORKSHIRE II £1373.37 moneyclaim

LETTING AGENT £200 REFUNDED

MISSES NATIONWIDE £764 *WON*

MISSES TOP SHOP GE CAPITAL*WON*

rbs £81*won*

total so far £4138.56

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Particulars paragraph numbers altered to fit the defence:-)

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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Particulars paragraph numbers altered to fit the defence:-)

 

Thanks

 

I have emailed the defence above to the court.

HALIFAX - £603.27 *WON*

HALIFAX CC - £245 *WON*

NatWest CC - £400 *won*

BARCLYCARD -£84 REFUND claim #6qz54472

YORKSHIRE 1 BANK £472.56 claim # 6qz53180

YORKSHIRE II £1373.37 moneyclaim

LETTING AGENT £200 REFUNDED

MISSES NATIONWIDE £764 *WON*

MISSES TOP SHOP GE CAPITAL*WON*

rbs £81*won*

total so far £4138.56

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no file it by MCOL alymac

[but not the red bits!]

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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I could not log on for some reason! Tried for about three hours!!

 

Just ended up emailing it.I did ask if that was ok! No red text sent!

HALIFAX - £603.27 *WON*

HALIFAX CC - £245 *WON*

NatWest CC - £400 *won*

BARCLYCARD -£84 REFUND claim #6qz54472

YORKSHIRE 1 BANK £472.56 claim # 6qz53180

YORKSHIRE II £1373.37 moneyclaim

LETTING AGENT £200 REFUNDED

MISSES NATIONWIDE £764 *WON*

MISSES TOP SHOP GE CAPITAL*WON*

rbs £81*won*

total so far £4138.56

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  • 2 weeks later...

Defence now acknowledged by courts .

 

 

But on a side twist the wife has spoke to lowell and between them came up with a preposed tomlin order of 20pcm (will take over 10 years to repay so can see that working)

 

It's not been returned thankfully! I want them to carry it on to the court stage. Can I just ignore it or write to them explaining it's not acceptable?

HALIFAX - £603.27 *WON*

HALIFAX CC - £245 *WON*

NatWest CC - £400 *won*

BARCLYCARD -£84 REFUND claim #6qz54472

YORKSHIRE 1 BANK £472.56 claim # 6qz53180

YORKSHIRE II £1373.37 moneyclaim

LETTING AGENT £200 REFUNDED

MISSES NATIONWIDE £764 *WON*

MISSES TOP SHOP GE CAPITAL*WON*

rbs £81*won*

total so far £4138.56

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Share on other sites

If its all charges and fees then that would explain why they might accept a tomlin order of £20 pm on a £2400 alleged debt.

Was anything done in writing re the TO or was it verbally over the phone, i think you should carry on with the court process and push for ckaiming the charges and fees back plus restitutionary interest

PLEASE HELP US TO KEEP THIS SITE RUNNING

EVERY POUND DONATED WILL HELP US TO KEEP HELPING OTHERS

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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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" Can I just ignore it "

 

Yes if you wish..until you sign it and return it....its irrelevant.

 

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

 

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

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