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    • Lowell has written to me concerning this debt on the 23rd of Jan 2020. letter states: We have noted the contents of your letter and we understand that you have no knowledge of this account. We are able to offer the following information regarding the account. • Agreement start date: 19/06/2014 • Application address: Flat 4, 3 Kempsford Gardens • Tariff Description: Phone BB Hardware • Disconnect Reason: Cessation by BT • Original Creditor: BT Retail Consumer • Mobile Number:02078351401 ( this is a landline ) • Client last payment date: 16/12/2014 • Client last payment value: 86.16 this is not £499.00 • Default date: 27/08/2015, this doesn't square with last pay date. • Airtime Debt Value:257.94 • Early Terminate Fee:241.99, can they charge this? • Billing Date:27/03/15 LOW105_230120 497503_ MACHINE \ 116\247 \ lof2 \ Airtime Debt is for the services used and the Early Termination Fee is calculated to reflect the remaining months of your contract which remain unpaid from the date of your account closure. We have requested from BT PLC a copy of the statements for the account to help clarify this matter for you. We will write to you further once we have received this documentation and in the meantime your account is on hold.   I obtain the SAR. it is attached: this is all they hold. 1. Can you explain the implications of the response  and the SAR as far as Lowell being able to collect the debt?   2. I responded to Lowell with this letter: Lowell Financial Ltd. 4875 Dear Sir: I write to you in response to your letter of 23 January 2020. Insofar that a relationship may have existed between myself and BT I cannot recall this account (Agreement) and request that you supply me with a copy of the Account/Agreement and other documents listed in the bullet points of your response. I  deny any breach  of the purported agreement. You have failed to supply me with a copy of the agreement requested . I have never received any evidence that you are the legal owner of the debt, by assignment, sale and purchase agreement or otherwise. I have never received and am unaware of any legal notice of assignment or Notice of Assignment pursuant to Law and property Act 1925 Section 136(1). This document is not referenced in your response. I deny that I have failed  to maintain the required payments to BT. It is denied that I have failed to respond to demands for payment sent by you and/or its agents. Lowell is put to strict proof that any such demands have been sent to me by you. a). Lowell appears to  admit it is the assignee of a debt, it is denied that the Lowell has the right to lay a claim due to contraventions of Section 136 of the Law of Property Act 1925.  b). It is further denied any funds are due Lowell  because the Lowell appears to have sold this debt to another firm in 2019.  Lowell must therefore show how it has legal right, either under statue or equity to collect this sum from me. I  deny owing any money to Lowell  and you are required to produce evidence to support your claims that this sum is in default, due and owning this includes: a. Show how the I  entered into an Agreement. b. Show how I  have reached the amount claimed for. c. Show that I  failed to maintain the required payments and the service was terminated as claimed. d. Show that the statute of limitations on this alleged debt has not passed. 7. As per Civil Procedure Rule 16.5(4) it is expected that Lowell must  prove the allegations that the money is owed; having been provided with written requests for information under CPR 31.14 and to date have failed to provide any such documentation as detailed in its response letter.  8. Notwithstanding the above should the alleged amount claimed include an early termination charge(s) amounting to the entire balance of the remaining contract. OFCOM guidance states that any Early Termination Charge that is made up of the entire balance if the remaining contract is unlikely to be fair as it fails to consider the fact that the provider no longer has to provide and pay for their service.  You state that the balance due includes £241.99. You must remove this from any collection efforts, and I dispute that this and all other balances are owed by me. 9. Show that I was residing at Flat 4 3 Kempsford Gardens on the alleged defaulted date of 27/08/2015 or any other date after 16/12/2014.  Alternatively remove any debt you allege is owed  because back billing and billing for unused services is not allowed. 10. Please explain Lowell reporting to the credit bureaus that the debt outstanding to BT is £674. The account number concerning 3 Kempsford Gardens Flat 4 which I hold is another account number which is BT xx7 start date is 15/07.2013. 11. The account number you claim is owed to you is an original account number BT xxx 07. You claim the start date on this account is 19/06/2014. Please explain the discrepancy between these two accounts including ownership of both accounts, and why there are two accounts you allege for the same address with different dates. Alternatively, if you have no explanation: You must cease and desist from collection activity including reporting to the credit bureaus, pre claim letters and any other forms of collection activity with immediate effect. Please write to me confirming that you will take no further action. Failing this I will file a counterclaim and ask the court for costs. Kind Regards      I received the email below last night: "I can see that we also hold the following account details for you:   Account Number Original Client Original Client Reference Current Balance XXX192 Orange xxx321 £285.91 XXX875 BT PLC xxx207 £499.93   I can see that the above BT PLC account is currently on hold, as we are requesting information from BT PLC directly.   1. how long does BT have to respond? the date of Lowell letter was 23rd of Jan. 2. if BT doesn't respond within that time frame, what can I do to get the account removed from the Credit reports? . 3. how can I get Lowell to stop collection if BT doesn't respond? what is also interesting is I have a letter from Lowell for the orange account and also a BT account, but the balance is £199.11 and the account number ends in 192. There are too many account numbers with different balances for the same address. any suggestions how I address this with Lowell?   Lowell writes:   "The period for recovering your Orange account by court action has expired. We will not be issuing court proceedings to enforce payment. However, your debt still exists and legally we are within our rights to continue to ask you for repayment. With this being said, this account does not look to have a payment arrangement set up as of yet. How would you like to proceed with this account going forward? If you can let us know then we can look to assist you further".   If the time has expired to collect a debt from orange, how do they have a right to collect? seems the SOL runs for both. how should I respond?   In the meantime, I have placed your Vodafone and Orange accounts on hold for the next 30 days to give you time to get back to us.   Can you give me some suggestions on how I unravel this and respond? Thank you.  SAR_BT.pdf
    • Hello and welcome to CAG.   Could you tell us what your contract says about overtime please? It will help us to advise you.   HB
    • Hi there,   I've been on a on call rota for some years now which as been a 1 in 3 weeks and been paid a weekly allowance for this service and overtime paid extra should I be called out. My employer now wants to change this to a 1 in 4 weeks which now leaves me out of pocket just for the on call payments a year.   Do I have an argument that i am effectively been force to take a pay cut and that i should be compensaited accordingly ?   thanks in advance for any advise.   Fred.      
    • hi again     the original supplier was AO but was out of warranty with them so hotpoint took it up.    the oven was replaced around January time, with us notifying them we was not happy fairly shortly after delivery.  hotpoint said the exact same model, which was delivered HUD61PS - but is only the same on model number. (Which I think is naughty as they changed a major function)       
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tut tut

 

Taking the telegraph at face value ...

 

 

 

In summary.

The EU's aim in that is to standardise the regulatory requirements and standards so train operators from all members can smoothly and safely run across borders without requiring specific member states licences/safety tests etc (or more accurately that they are aligned)

Rather like food standards etc.

 

Although it is also intended to increase level playing field competition.

 

 

How hs2 is applied in the UK is purely UK - apart from the standards required which are broadly already agreed world wide with some exceptions.

Edited by tobyjugg2

I express my honestly held opinions - they are nothing more or less than that.

... Its just doing some due diligence that makes them seem unusual ...

 

Please don't assume what you see here is what I wrote - At least some of my posts HAVE been edited without my knowledge or agreement - or anything showing people they have been amended

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Yes we know about that , it's the way the Torygraph punts things, in reality commonality on loading gauges and rolling stock makes sense, but the UK loading gauge and profile is smaller than on the Continent  is it not?


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I know very little about railways. Is that why Eurostar has a separate track?


Illegitimi non carborundum

 

 

 

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Yes Eurostar would foul the platforms and be too big on standard infrastructure, which is why HS2 would be needed to connect the tunnel with other parts North.

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The bailiff: A 12th Century solution re-branded as Enforcement Agents for the 21st Century to seize and sell debtors goods as before Oh so Dickensian!

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good point


I express my honestly held opinions - they are nothing more or less than that.

... Its just doing some due diligence that makes them seem unusual ...

 

Please don't assume what you see here is what I wrote - At least some of my posts HAVE been edited without my knowledge or agreement - or anything showing people they have been amended

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Which is why they say they can't update existing infrastructure, the tunnels are not big enough to accommodate Eurostar, or Continental stock. also platforms etc


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The bailiff: A 12th Century solution re-branded as Enforcement Agents for the 21st Century to seize and sell debtors goods as before Oh so Dickensian!

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This was well thought through, then...


Illegitimi non carborundum

 

 

 

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Sort of HS2 would not really be able to run on other standard lines, so still not integrated in reality, so maybe updating existing is best option.


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Didn't realise how far off the mark I might be

 

Just getting upto speed

Guide ,me

 

I thought the track gauge were the same and just higher specs required of the tracks/ground base for the higher stresses of higher speed.

Understand that wider etc trains wouldn't fit at old stations - but thats quite a minor issue compared to space between separate lines.

 

"In Britain, Eurostar trains had to run at a maximum of 160 km/h (100 mph) on existing tracks between London Waterloo and the Channel Tunnel.[18] These tracks were shared with local traffic, limiting the number of services that could be run 2

 

 

Is that not correct

(interesting background stuff I'm filling in - like the sale of the UK part of Eurostar, the )

 


I express my honestly held opinions - they are nothing more or less than that.

... Its just doing some due diligence that makes them seem unusual ...

 

Please don't assume what you see here is what I wrote - At least some of my posts HAVE been edited without my knowledge or agreement - or anything showing people they have been amended

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its the size of tunnel bores as well, they would need widening to allow clearance for 2 trains to pass probably.  Will do some more research into the issues.


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The bailiff: A 12th Century solution re-branded as Enforcement Agents for the 21st Century to seize and sell debtors goods as before Oh so Dickensian!

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another good point

 

Spent about 30 mins on it and stopped.

 

Quite clear that it cost 50 million plus a mile even back then to knock 20 minutes off a three hour journey on new special track.

(Most of that gain on the French side)

and expensive, despite subsidised in all sorts of ways unreliable service

and will cost double or more the projected time and price

 

Pointless.

They should sort out the existing trains everybody is trying to use before even considering this farce.

Half an hour reading through the wiki and some reports utterly demonstrates that.

 

 

Edited by tobyjugg2

I express my honestly held opinions - they are nothing more or less than that.

... Its just doing some due diligence that makes them seem unusual ...

 

Please don't assume what you see here is what I wrote - At least some of my posts HAVE been edited without my knowledge or agreement - or anything showing people they have been amended

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£50m a mile? I can't believe it.


Illegitimi non carborundum

 

 

 

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That was last century HB.

 

hs2 is projected at £400M a mile isn't it?

 

or is that the 2015 price and its double that now?

ner can't be - I'll look it up in a bit

 

quick look seems to show 400 million a mile as the new projected cost

Edited by tobyjugg2

I express my honestly held opinions - they are nothing more or less than that.

... Its just doing some due diligence that makes them seem unusual ...

 

Please don't assume what you see here is what I wrote - At least some of my posts HAVE been edited without my knowledge or agreement - or anything showing people they have been amended

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I've done a quick calc and I make it nearer £300M+ a mile compared to a quick google saying £400M a mile (prob where I got the figure without confirming it - naughty me)

 

Still astronomical.

Edited by tobyjugg2

I express my honestly held opinions - they are nothing more or less than that.

... Its just doing some due diligence that makes them seem unusual ...

 

Please don't assume what you see here is what I wrote - At least some of my posts HAVE been edited without my knowledge or agreement - or anything showing people they have been amended

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2 hours ago, brassnecked said:

HS2 was part of an EU designed link going back to the days of Jaques Delors  An article from 2012 in the Torygraph by the late Christopher Booker is worth a read.

 

https://www.telegraph.co.uk/comment/columnists/christopherbooker/9015342/The-continent-is-the-final-destination-for-HS2.html

 

 

Just occurred to me

Passports please ... that'll slow it down ...

 

:-)


I express my honestly held opinions - they are nothing more or less than that.

... Its just doing some due diligence that makes them seem unusual ...

 

Please don't assume what you see here is what I wrote - At least some of my posts HAVE been edited without my knowledge or agreement - or anything showing people they have been amended

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Doesn';t stack up on a cost/benefit calculation, plus the environmental damage, loss of habitats that will get the Eco Warriors and St Greta giving her Trump glare to the Tories.


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The bailiff: A 12th Century solution re-branded as Enforcement Agents for the 21st Century to seize and sell debtors goods as before Oh so Dickensian!

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As long as she's out of school and not being flagged for life as a terrorist by her teachers after a coursework geography/sociology debate....

Where she said she thought greepeace might be proving to have a point

Edited by tobyjugg2

I express my honestly held opinions - they are nothing more or less than that.

... Its just doing some due diligence that makes them seem unusual ...

 

Please don't assume what you see here is what I wrote - At least some of my posts HAVE been edited without my knowledge or agreement - or anything showing people they have been amended

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Ok, it was nagging at me a bit so I refreshed and updated my background info

 

 

Hs2 and the EU

 

The Eu has funded parts of hs2, and more importantly other more useful (IMO)  projects

some examples

https://ec.europa.eu/unitedkingdom/news/uk-transport-infrastructure-chosen-eu-funding_en

 

 

Do the EU require new tracks generally  to meet the hs2 standard, through EU directive 96/48  or any other directive?

NO

 

BUT The EU DO require that EU member state infrastructure intended to be part of of TEN-R (Trans European Network - Rail) specifically - the EU high speed rail infrastructure

- of course it does - thats the standard for high speed rail interoperability as part of TEN-R

 

But the overall TEN-T (Trans European Network-Transport) covers a goods and people transportation system via water, rail, road etc etc

 

Its building a quality network for transport throughout hte EU - like a super spice road

 

 

The UK agreed the backbone bit running through the UK although what they have chosen to implement based on that seems primarily little more than a toy for rich folk to travel to London a bit faster - although there could be faster goods transport too - at a cost

eg Get your strawberries to wimbledon quicker ......

 

With Brexit that UK TEN backbone (HS2) is being bypassed with RoI connecting directly with Norway ... via other than Rail

Bet Scotland's looking at that ...

Edited by tobyjugg2

I express my honestly held opinions - they are nothing more or less than that.

... Its just doing some due diligence that makes them seem unusual ...

 

Please don't assume what you see here is what I wrote - At least some of my posts HAVE been edited without my knowledge or agreement - or anything showing people they have been amended

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Now it makes sense and the intransigent ultra-logical sh*t in my head has stopped nagging me that it don't seem right.

Edited by tobyjugg2

I express my honestly held opinions - they are nothing more or less than that.

... Its just doing some due diligence that makes them seem unusual ...

 

Please don't assume what you see here is what I wrote - At least some of my posts HAVE been edited without my knowledge or agreement - or anything showing people they have been amended

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Yes HS2 is  a waste of space as a half hearted  implementation.


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The bailiff: A 12th Century solution re-branded as Enforcement Agents for the 21st Century to seize and sell debtors goods as before Oh so Dickensian!

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yep, the UK is a bumpy twisty crowded ISLAND whos layout and transport infrastructure is best suited to Sea and Road.

The rivers are generally to narrow and shallow, let alone steep, and the flat plains are simply to small and crowded to house a big rail system like Europe, China, India, Africa, Australia ............

 

So its smaller lots via road or ship em to the nearest port

 

Our railways are narrow and a bit cramped because they NEED to be.

Canals were our infrastructure

 

When putting in just a couple hundred miles of track disrupts half the country for a decade or more, and costs a not so small nations national debt - its the wrong choice.

Edited by tobyjugg2

I express my honestly held opinions - they are nothing more or less than that.

... Its just doing some due diligence that makes them seem unusual ...

 

Please don't assume what you see here is what I wrote - At least some of my posts HAVE been edited without my knowledge or agreement - or anything showing people they have been amended

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St Greta would love a canal with solar powered narrowboats.........


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The bailiff: A 12th Century solution re-branded as Enforcement Agents for the 21st Century to seize and sell debtors goods as before Oh so Dickensian!

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She impresses me vastly

Lives by her beliefs too

 


I express my honestly held opinions - they are nothing more or less than that.

... Its just doing some due diligence that makes them seem unusual ...

 

Please don't assume what you see here is what I wrote - At least some of my posts HAVE been edited without my knowledge or agreement - or anything showing people they have been amended

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8 hours ago, brassnecked said:

St Greta would love a canal with solar powered narrowboats.........

 

So would I. :)

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Illegitimi non carborundum

 

 

 

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Would be effective for bulky goods that are not time sensitive, could use old tech batteries like those used on submarines last century as well.

 

Only issue is who would be a 21st century bargee, the cramped cabins would likely breach Huma Rights.  Mind you a nice 50'  residential type narrowboat would be a relaxing holiday at 4mph tie up at the pub restaurant.


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The bailiff: A 12th Century solution re-branded as Enforcement Agents for the 21st Century to seize and sell debtors goods as before Oh so Dickensian!

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