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    • just to be clear here..... the DVLA do not send letters if a drivers licence address differs from any car's V5C that shows the same driver as it's registered keeper.
    • sorry she is a private individual, the cars are parking on her land. she can clamp the cars. only firms were outlawed from doing it bazza. thats what the victims of people dumping cars on their drives near airports did and they didn't not get prosecuted.    
    • The DVLA keeps two records of you. One as a driver and one for your car. If they differ you might find out in around a month when they will send you a reminder as well as to your other half for their car. If you receive nothing then you can be fairly sure that you were tailgating though wouldn't explain why they didn't pick up your car on one of drive past their cameras. However even if you do get a PCN later then your situation will not change. The current PCN does not comply with the Protection of Freedoms Act 2012 Schedule 4 which is the main law that covers private parking. It doesn't comply for two reasons. 1. Section 9 [2][a] states  (2)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; The PCN states 47 minutes which are the arrival and departure times not the time you were actually parked. if you subtract the time you took to drive from the entrance. look for a parking place  park in it perhaps having to manoeuvre a couple of times to fit within the lines and unload the children reloading the children getting seat belts on  driving to the exit stopping for cars pedestrians on the way you may well find that the actual time you were parked was quite likely to be around ten minutes over the required time.  Motorists are allowed a MINIMUM of ten minutes Grace period [something that the rogues in the parking industry conveniently forget-the word minimum] . So it could be that you did not overstay. 2] Sectio9 [2][f]  (ii)the creditor does not know both the name of the driver and a current address for service for the driver, the creditor will (if all the applicable conditions under this Schedule are met) have the right to recover from the keeper so much of that amount as remains unpaid; Your PCN does not include the words in brackets and in 2a the Act included the word "must". Another fail. What those failures mean is that MET cannot transfer the liability to pay the charge from the driver to the keeper. Only the driver is now liable which is why we recommend our members not to appeal. It is so easy to reveal who was driving by saying "when I parked the car" than "when the driver parked the car".  As long as they don't know who was driving they have little chance of winning in court. This is partly because Courts do not accept that the driver and the keeper are the same person. And because anyone with a valid motor insurance policy is able to drive your cars. It is a shame that you are too far away to get photos of the car park signage. It is often poor and quite often the parking rogues lose in Court on their poor signage alone. I hope hat you can now relax and not panic about the PCN. You will receive many letters from Met, their unregulated debt collectors and sixth rate solicitors threatening you with ever higher amounts of money. The poor dears have never read the Act which states quite clearly that the maximum sum that can be charged is the amount on the signs. The Act has only been in force for 12 years so it may take a  few more years for the penny to drop.  You can safely ignore everything they send you unless or until they send you a Letter of Claim. Just come back to us if they do send one of those love letters to you and we will advise on a snotty letter to send them. In the meantime go on and enjoy your life. Continue reading other threads and if you do get any worrying letters let us know. 
    • Hopefully the ANPR cameras didn't pick up the two vehicles, but I don't think you're out of the woods just yet. MET's "work" consists of sending out hundreds of these invoices every week so yours might be a few days behind your partner's. There is also the matter of Royal Mail.  I once sold two second-hand books to someone on eBay.  Weirdly the cost of sending them separately was less than the cost of sending them in one parcel.  So to save a few bob I sent them seperately.  One turned up the next day.  One arrived after four days.  They were  sent from the same post office at the same time! But let's hope I'm being too pessimistic. Please update us of any developments.
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Lowells. Can I trust this site? goldfishl now Barclaycard


carpenterchrist
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If you want to post a new story then

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Start your own new thread

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

 

Thanks

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Hello,

I'm sure I'm probably starting off on the wrong foot. But I received a letter from Lowells yesterday morning. They've been assigned a debt which I'm 50/50 might be statute barred.

 

I googled for help on how to handle them and your good selves came up, but also a lot of links warning me that this site gets paid by Lowells to get posters to reveal as much information as possible so they can use it. CAG is apparently letting Lowells post here and view threads, etc, and even certain posters keep asking for documents to be scanned up as pdfs so Lowells can get a better idea of who/what/etc.

 

Please tell me this isn't true?

 

Again, sorry for sounding paranoid, but having heard things about the owner working for bailiff company Marstons and an over-zealous site team of ESA claimants with too much time on their hands who edit and delete threads because it makes them feel important and gives their empty lives meaning, I just wanted to double check this isn't the case....

 

Thanks.

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I always go by the rule that you never reveal information online that would be of any use to anyone searching for you. I would not upload any letters or other documents, which had any identifying marks on them. Why give any oppostion information which might help them with strategy.

 

As far as i know this site has no link to Lowells. In fact the current legal Director of Lowells, said that CAG was the nemesis of debt companies, in an article for the association of debt companies. At one time, the Lowells complaints manager posted to various online forums, including CAG, Moneysupermarket ( when they had a forum). CAG gives advice to people that helps them win against Lowell.

 

The rubbish that you are reading comes from other forums, following spats over a number of years between various. It is all just a load of nonsense. I would say more, but i don't want to fuel the same old argument.

 

If you want help with Lowell, just post up some general info on the debt.

 

Nb. Re the Marstons issue that was just the site owner invited to join an independent committee looking into bailiff problems. It was a load of consumer advisors and interested parties, asked to provide feedback on what was happening to people.

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 OTHERS

 

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

 

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

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This site has no links to lowells and certainly isnt funded by the **** at all.

 

You have to be careful as a lot of freeman of the land sites try to discredit this site, because CAG helps people for free, where those other sites will make you pay for their help, and drop you in deeper trouble 100% of the time.

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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Thanks.

(Sorry for joining all aggressive, but I'm paranoid by nature and I just wanted to check first my post wasn't deleted to prove my point).

Okay cool then.

Let's start again,

Any advice I can get will be greatly appreciated.

I've got a credit card with Goldfish from 2004. I got into financial difficulty around 2007 and stopped even paying the minimum monthly payment.

At the time the debt was about £6,000. (What blows my mind was my salary was around £14,000 pa at the time) but each few months they'd raise my limit until I had credit limit around £11,000! Go figure! But this was pre-2008 crash).

Anyway, I moved around a lot Europe until start of 2016, when I (perhaps foolishly) got back on the Voters Roll. Now I've had this letter from Lowell saying blah blah, debt is now £8,500 and we will go for a CCJ.

Trouble is I'm not sure when I stopped offering them £1 a month.

I don't want to kick the hornet's nest by phoning them up, but neither do I want to bury my head and end up with a CCJ by default, as I've finally got my credit rating looking better than Robert Maxwell.

Edited by honeybee13
Language.
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Who has been writing to you ? Lowells have recently started doing their own in house legal stuff, whereas in the past it was farmed out to debt collector Solicitors to issue court claims.

 

Is it just a general debt collection letter or a letter from Lowells legal department ?

 

Did you offer Lowell £1 token payments in writing ? If so, was this within the last 6 years ?

 

Have you actually made any payments towards this debt within the last 6 years ?

 

Have you checked your credit record ? Is this debt showing ?

 

Answer these questions first and then we might be able to suggest next step.

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 OTHERS

 

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

 

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

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Check your credit file first.

 

When did you stop paying them anything?

 

Ignore lowlifes for the time being, they often say this and say that, when in actual fact there is pretty much nothing they can do, if Goldfish wanted their money then they would have acted sooner rather than later, and I very strongly doubt, that they would flog a 6k to a tin pot powerless DCA, UNLESS there was something seriously wrong with the account.

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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I've totally ignored the debt since 2007, when I left the UK.

 

 

I had a bank account with Santander that I also defaulted on and left,

which had a dd for £1 to Goldfish at the time - I've no idea how long they paid the pound for.

But the Santander account is now SB and has dropped off my credit file.

 

All my other liabilities have now dropped off too

- except for the original goldfish credit card default which still shows as red D each month.

That's why I thought it was now safe to go back on voters roll and register a UK address again.

 

The letter looks like a typical DCA letter, it's all "may", "might" "could well do, if you ignore us, etc"

But I'm just nervous because it's so much money and I'm not totally sure when the last pound monthly payment might have hit the original goldfish account.

 

Edited to say - thanks BazookaBoo.

I don't think Goldfish as a company exist anymore,

so that was my concern,

who knows who they might have sold the original debt to,

albeit for pennies in the pound back in the day,

but I could still be liable?

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On your credit file what is the date of default against the red marker?

 

If the satansbank is now SB then you can bet your bottom dollar that this is also SB.

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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The Goldfish default should not still be on your credit record, as the default was more than 6 years ago.

 

If Lowells have added this default back on your record, that is wrong.

 

It might be a good idea to find out which Bank took over Goldfish accounts and to send them a Data Protection Subject Access Request. In the request, specifically ask them for copies of all statements of account, as well as all other records held. With this information, it might help you with this debt and enable you to get the default removed.

 

If the Santander account which paid the £1 payments is SB'd, then this Goldfish debt should also be SB'd.

 

Given that Goldfish no longer exist, you could send Lowell a CCA request, as they might have difficulty getting it.

 

Nb. Barclaycard would deal with your Goldfish Subject Access Request.

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 OTHERS

 

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

 

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

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Good advice. Thanks mate.

I'm on it first thing tomorrow.

It's just in my nature with things like this that it's usually better to let sleeping dogs lie than start the whole letter tennis bollox.

Appreciate the input. I'll let you know when it comes back whether a bark or a bite.

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you say you are not In this country?

 

oh and where did you read we are tipsters for lowells

i'd love to read it

 

ah just read that later unspaced post

you are back here not

if they are all from 2007

pers i'd ignore then.

 

yea go get your credit file

that could be useful.

 

goldfish will now be Barclaycard as it was sold to morgan Stanley then BC bought them out.

 

whats the default date not the D's from the calendar section

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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you say you are not In this country?

 

oh and where did you read we are tipsters for lowells

i'd love to read it

 

ah just read that later unspaced post

you are back here not

if they are all from 2007

pers i'd ignore then.

 

yea go get your credit file

that could be useful.

 

goldfish will now be Barclaycard as it was sold to morgan Stanley then BC bought them out.

 

whats the default date not the D's from the calendar section

 

not sure if i'm allowed to post links, but to answer your question I googled cag and lowell and this was one of the first results: http :// forums.moneysavingexpert.com/ showthread.php?t=2594633

 

EDIT. as I thought, I can't post link. But close the gaps on the above one, to see what I was talking about.

Anyway, it's all good now, I've had some good advice without being told to post up pdfs, etc, so I'm comfortable. forget it.

Edited by carpenterchrist
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well even if we do want scans we always ask you to totally redact stuff

and if you don't

we do it.

 

 

just go look around

you'll see scans of peoples letters but as we know 99% of stuff from

dca's are templates anyway they cant tell who its too or from

even if they do 'read' the forum..

its also worthy to note

if you look in the legal successes forum

by far the greatest number of 'wins' against DCA's are from lowells

pretty conclusive answer me thinks....

 

 

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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http://forums.moneysavingexpert.com/showthread.php?t=2594633

 

oh that ole debacle...

 

they never did keep up their membership...

trouble was they couldn't be honest and upfront

with how they conduct themselves

even on the phone

esp when we posted up several telephone conversations where they were telling 'debtors'

they were bailiffs and coming round to get stuff.

 

as for the bailiff thing and marstons..

yes we do/did have member on their customer relations team/meetings

better to fight them from within to play fair etc etc.

 

doesn't mean we bend over mind...

 

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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