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    • Hi T911 and welcome to CAG. As you say, an interesting screw up. So much for quality control! Anyway, our regular advice is to ignore all of their increasingly threatening missives... UNLESS you get a letter of claim, then come back here and we'll help you write a "snotty letter" to help them decide whether to take it any further with their stoopid pics. If you get mail you're unsure of, just upload it for the team to have a look.
    • Thanks @lolerzthat's an extremely helpful post. There is no mention of a permit scheme in the lease and likewise, no variation was made to bring this system in. I recall seeing something like a quiet enjoyment clause, but will need to re-read it and confirm. VERY interesting point on the 1987 Act. There hasn't been an AGM in years and I've tried to get one to start to no avail. However, I'll aim to find out more about how the PPC was brought in and revert. Can I test with you and others on the logic of not parking for a few months? I'm ready to fight OPS, so if they go nuclear on me then surely it doesn't matter? I assume that I will keep getting PCNs as long as I live here, so it doesn't make sense for me to change the way that I park?  Unless... You are suggesting that having 5 or so outstanding PCNs, will negatively affect any court case e.g. through bad optics? Or are we trying to force their hand to go to court with only 2 outstanding PCNs?
    • That is so very tempting.   They are doing my annual review as we speak and I'm waiting for their response once I have it I will consider my next steps.    The debt camel website mentioned above is amzing and helping to. Education me alot    
    • Sending you a big hug. I’m sorry your going through this. The letters they send sound aweful, and the waiting game for them to stop. But these guys seem so knowledgable and these letters should stop. Hang in there, and keep in touch. Don’t feel alone 
    • In my time I've never seen a payout/commission from a PPC to a landlord/MA. Normally the installation of all the cameras/payment of warden patrols etc is free but PPCs keep 100% of the ticket revenue. Not saying it doesn't happen mind. I've done some more digging on this: Remember, what your lease doesn't say is just as important as what it does say. If your lease doesn't mention a parking scheme/employment of a PPC/Paying PCNs etc you're under no legal obligation to play along to the PPC's or the MA's "Terms and conditions". I highly doubt your lease had a variation in place to bring in this permit system. Your lease will likely have a "quiet enjoyment" clause for your demised space and the common areas and having to fight a PPC/MA just to park would breach that. Your lease has supremacy of contract, but I do agree it's worth keeping cool and not parking there (and hence getting PCNs) for a couple months just so that the PPC doesn't get blinded by greed and go nuclear on you if you have 4 or 5 PCNs outstanding. At your next AGM, bring it up that the parking controls need to be removed and mention the legal reasons why. One reason is that under S37(5b) Landlord and Tenant Act 1987,  more than 75% of leaseholders and/or the landlord would have needed to agree, and less than 10% opposed, for the variation to take place. I highly doubt a ballot even happened before the PPC was bought in so OPS even being there is unlawful, breaching the terms of your lease. In this legal sense,  the communal vote of the "directors" of the freehold company would have counted for ONE vote of however many flats there are (leases/tenants) + 1 (landlord). It's going to be interesting to see where this goes.  
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Lowell claim form - old Shop Direct CAT 'DEBT'***Claim Struck Out***


Saj33
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scan up the WS And their exhibits to one multipage PDF 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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If i have not deleted any personal details please let me know. I have deleted the amounts and dates which i now know i shouldnt have. If you require these please let me know and i will upload again.

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that's a very poor WS IMHO from a debt buyer. anyway

well need the monies and dates back in their account statement please

 

 

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,

 

Please see attached account statement. Is there anything that i need to do right now apart from research and prepare for the court date?

 

For someone who doesnt know the legal system very well, at first glance the claimants witness statement looked well prepared in my eyes, why do you think it is a poor WS? what do you my chances are? any comments on the notice of assignment that the claimant provided, doesnt look an official copy to me?

Account statement.pdf

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All witness statements in support of the claims by a DCA rely on CPR 33.2(1)(B) (notice of intention to rely on hearsay evidence) and Section 2 (1) (A) of the Civil Evidence Act.

 

https://www.justice.gov.uk/courts/procedure-rules/civil/rules/part33#33.2

 

http://www.legislation.gov.uk/ukpga/1995/38/section/2

 

Regards

 

Andy

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What further assistance to you require Saj ? Not much further to advice now apart from attending the trial.

 

Andy

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Hi

 

I am just a little worried about the evidence in the claimants witness statement.

 

What do you think my chances are? any comments on the notice of assignment that the claimant provided, doesnt look an official copy to me?

 

With all the evidence that they have not sure what my chances are and i am very nervous about attending the case

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What in particular worries you ?

 

Does the NoA contain all the correct details..address...account numbers...dates ..and amounts ?

 

Andy

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Hi,

 

Yes the NoA contains all the correct details apart from the new reference number which i do not recognise.

 

What worries me how do i defend my case when the witness statement has all the evidence to prove the claimant owns the debt? If the claimants solicitors turn up at the courts, how can i possibly defend my case?

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Well if the NoA does not contain the correct account number then the Notice of Assignment is questionable...and whether the Claimant has a valid claim.?

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The account number is correct on NoA, there is also a new account num ref on the NoA which i do not recognise, i am assuming this is lowells reference.

 

From the claimanslts witness statement is there anything i can argue against? My court hearing is tomorrow.

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It must be...but I thought from your post they had changed it and did not put the original number.

 

Do you think there is anything in the Claimants witness statement you can argue against ?..you have read it and you know the all the details of the agreement/dispute and debt ?

 

I have advise in post#82 one of the main flaws of witness statements submitted by Assignee's/DCAs when litigating.

 

Andy

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I cannot see anything which i can argue against apart from the NoA which does not appear to have any logos etc. There is the matter of all the evidence in the witness statement, they had months to provide this but supplied everything in the witness statement.

 

I dont fully understand post 82, i have tried to read up on things but this is all very confusing for me and i am not the most clever person. The only thing i can do now is see how the judge sees the case, if i am asked any questions i will answer otherwise i wont have anything to say.

 

If the claimant wins the case, will all the case fees be added onto the case? Starting to regret going all the way should have settled the case sooner.

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If they win the claim then yes the total amount due will be £634.71...the initial debt was £450...so £180 fees.

 

It must be noted that we have yet to see any Lowell claim that succeeds on a catalogue debt...the paperwork is simply invalid.

But it does not look like your willing to put much fight into this Saj so better going with my next proposal.......

 

There is nothing to stop you talking to their Legal representative before you go into court and try to agree a settlement...assuming they even turn up.

 

Regards

 

Andy

We could do with some help from you.

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Hi,

 

An update,

after a long morning i decided to attend the court hearing.

 

 

The claimants representative turned up at the case.

The judge dismissed the case based on the fact that no default notice was provided.

The claimants solicitor said she could provide this within 14 days

and the judge said no it should have been provided at the case hearing.

 

As i was leaving the courts,

the claimants solicitor approached me and said i only work for solicitors but they will reopen the case once they get the default notice.

 

I also spoke to one of the court staff regarding the negative information on my credit file( default)

i was told to come back tomorrow and there is a form i can fill in to get the default removed,

is this correct?

 

Thank you to all who have helped me.

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well done you won

 

 

never heard of any court form to wipe credit files

 

 

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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They will have a job " re opening " a struck out claim........:wink:

 

Well done Saj..bet your glad you did decide to attend..otherwise they would have won...default notice or not.

 

Thread title amended to reflect the outcome...

 

Regards

 

Andy

We could do with some help from you.

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I am glad, thank you andy and dx for your help.

 

In terms of the default that is on ny credit file in the name of lowell, is their any chance of getting this removed seeing as the case has been struck out?.

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no

the OC placed it when they sold the debt

lowells name was simply substituted inplace of the OC when they purchased all the rights.

 

the only way would be to prove SD were wrong to place it.

 

oh and what a change to the poster that came here in November

every other post was

I wanna pay the dca i'll lose!!

i'm scared!!

 

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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  • 2 weeks later...

Hi,

 

I got a letter from lowell stating they are going to close my case and remove all negative information from credit file.

 

I have checked my credit file with clear score and the lowell account is no longer there. I checked with mse credit club and the default has now changed to default/ended, what does this mean?

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dunno never heard of that.

but as they've said it would be wiped

then it shouldn't be mentioning the word default,

 

 

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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