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    • I disagree with the charge and also the statements sent. Firstly I have not received any correspondence from DVLA especially a statutory notice dated 2/5/2024 or a notice 16/5/2024 voiding my licence if I had I would have responded within this timeframe. The only letter received was the single justice procedure notice dated the 29.5.2024 this was received on 4.6.2024. I also disagree with the statement that tax was dishonoured through invalid indemnity claim. I disagree that the licence be voided I purchased the vehicle in Jan 2024 from RDA car sales Pontefract with agreement to collect the car on the 28.1.2024. The garage taxed the vehicle on the 25.1.24 for eleven payments on direct debit  using my debit card on my behalf. £62.18 was the initial payment on 8.2.24  and £31 per month thereafter the second payment was 1.3.24.This would run from Jan 24 to Dec 24 and a total of £372.75, therefore the car was clearly taxed before  I took the car away After checking one of my vehicle apps  I could see the vehicle was showing as untaxed it later transpired that DVLA had cancelled my tax , without reason and I did not receive any correspondence from DVLA to state why it was cancelled or when. The original payment of £62.18 had gone through and verified by my bank Lloyds so this payment was not declined. I then set up the direct debit again straight away at my local post office branch on 15.2.2024 the first payment was £31 on 1.3.2024 and subsequent payments up to Feb 2025 with a total of £372.75 which was the same total as the original DD that was set up in Jan, Therefore I claimed the £62.18 back from my bank as an indemnity claim as this payment was from the original cancelled tax from DVLA and had been cancelled . I have checked my bank account at Lloyds and every payment since Jan 24  up to date has been taken with none rejected as follows: 8.2.24 - £62.15 1.3.24 - £31.09 2.4.24 - £31.06 1.5.24 - £31.06 3.6.23-£31.06 I have paper copies of the original DD set up conformation plus a breakdown of payments per month , and a paper copy of the second DD setup with breakdown of payments plus a receipt from the post office.I can also provide bank statements showing each payment to DVLA I also ask that my licence be reinstated due to the above  
    • You know hes had it when they call out those willing to say anything even claiming tories have reduced taxes on live tv AS Salmonella says: The Conservative Party must embrace Nigel Farage to “unite the right”, Suella Braverman has urged, following a disastrous few days for Rishi Sunak. The former home secretary told The Times there was “not much difference” between the new Reform UK leader’s policies and those of the Tories, as senior Conservatives start debating the future of the party. hers.   AND Goves replacement gets caught booking in an airbnb to claim he lives locally .. as of yesterday you can rent it yourself in late July - as he'll either be gone or claiming taxpayer funded expenses for a house Alongside pictures of himself entering a house, Mr McGuinness said Surrey Heath residents “rightly expect their MP to be a part of their community”. - So whens farage getting around to renting (and subletting) a clacton beach hut?   Gove’s replacement caught out on constituency house claim as home found on Airbnb WWW.INDEPENDENT.CO.UK Social media users quickly pointed out house Ed McGuinness had posted photos in was available to rent     As Douglas Ross says he'll stand down in scotland - if he wins a Westminster seat - such devotion.
    • I've completed a draft copy to defend and will post up here for review.  Looking over the dates and payments this all stemmed from DVLA cancelling in Feb , whereby I set up a new DD in Feb hence the overlap, why they cancelled when I paid originally in Jan I have no idea. Anyway now stuck with pending court action and a suspended licence . I am also firing off a letter to DVLa recorded disputing the licence revoke
    • Thank you both for your expert knowledge and understanding. You're fighting the good fight by standing up for people like me and others with limited knowledge of this stuff. I thank you. I know all my DVLA details are good. I recently (last year) renewed my license, and my car's V5 is current with the correct details; the same is valid for my partner. I'll continue to ignore the love letters 😂 and won't let it bother either me or my partner.  I'll revisit this post if/when I get a letter of claim.  F**k ém.
    • Please check back later on today for a fuller response and some edits
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Lowell Solicitors & j d Williams catalogue


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[when jdw find the agreement I will have to pay in full/QUOTE]

 

Says it all really. If their filing/computer/data systems are so bad how do they stay in business?

Illegitimi non carborundum

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well the 12 + 2 days for cca was up on 6th march....and its now 22nd and they say jdw still trying to retrieve it from their archives.

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then until they do no dice fleecers

 

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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So you've already sent this?

 

http://www.consumeractiongroup.co.uk/forum/content.php?436-Failure-to-provide-a-copy-of-the-agreement-within-the-prescribed-timescale.

 

So ignore anything they send unless it's a valid cca, and whatever they send post it up here for checking first.

 

And don't forget the unlawful charges.

Illegitimi non carborundum

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yes I sent cca request with fee etc as per CAG instructions...then after the 12 + 2 days and a few more, and lowells 3rd letter saying still waiting for cca but contact us if you have any questions etc, I then sent the formal dispute re no cca. so yes I will ignore them now until they can send a cca and will get anything they send as a cca checked here. They seem to think there is no dispute as the cca will get there eventually........

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They seem to think there is no dispute as the cca will get there eventually........
.....And upon the second coming we will all bow down in the glory of the lord and bask in his light and all things will be made clear unto the Pharasees and the Hippotites and the way will be made right for all.......

 

Sorry, almost believed what they said. Nothing changes, no cca = no pay.

 

(and eventually is a wonderful way of looking at it. eventually all things must pass. )

Illegitimi non carborundum

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  • 3 weeks later...

Well well well.....letter from Lowell this morning

 

Dear not so daft and well informed cagger

 

We refer to your recent request for a cca for this account.

 

After laising with JDW in an effort to obtain this document we have been informed that it is no longer available due to the length of time since the account was opened by you.

 

At this time we have closed our file and will not make any further contact with you concerning payment against the account unless the copy of the agreement is received at some point in the future from JDW.

 

So, if its not available.......how can a copy be received? and if a copy can be received why haven't they done it?

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As I thought .........Many thanks to dx and yourself Brigadier, as this would have cost me £293 to Lowell had I not come here first for help. And in that amount was over £100 in added charges. As it stands it would have been SB in 2015, so am guessing it will sit on credit report file until then and hopefully disappear?.

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Thank you on behalf of dx and myself!!

Yes the default will be removed on its 6th anniversary.

Any Letters I Draft are N0T approved by CAG and no personal liability is accepted.

Please Consider making a donation to keep this site running!

Nemo Mortalium Omnibus Horis Sapit: Animo et Fide:

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Keep an occasional eye on your credit files and if Losers place any additional information, or try to extend the limit dates or whatever be ready to deliver a short, sharp shock to their banking system.

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I seriously doubt you will see any further reporting from Lowell.

Any Letters I Draft are N0T approved by CAG and no personal liability is accepted.

Please Consider making a donation to keep this site running!

Nemo Mortalium Omnibus Horis Sapit: Animo et Fide:

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  • 2 months later...

I have had an email from Lowell Soft...detailed as part of the Lowell Group.

 

It seems like a phishing thing, as it says they hold this email addy for me and want to help blah blah

and I should ring them, and then goes on to say that if I don't want them to contact me at this addy I should ring and quote a ref no.

 

I have no intention to ring at all.

 

Have never heard of "Lowell Soft" is this something new or just my first experience of it?.

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Ignore it. A few dcas are starting to use this trick. Its a new style of the old phishing letter. Add the address to your providers spam list.

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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I have had an email from Lowell Soft...detailed as part of the Lowell Group. It seems like a phishing thing, as it says they hold this email addy for me and want to help blah blah and I should ring them, and then goes on to say that if I don't want them to contact me at this addy I should ring and quote a ref no. I have no intention to ring at all. Have never heard of "Lowell Soft" is this something new or just my first experience of it?.

 

Definitely ignore and re-route all e-mails to junk!

Any Letters I Draft are N0T approved by CAG and no personal liability is accepted.

Please Consider making a donation to keep this site running!

Nemo Mortalium Omnibus Horis Sapit: Animo et Fide:

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Can't say I've heard of this either, nothing on it on Google.

Any Letters I Draft are N0T approved by CAG and no personal liability is accepted.

Please Consider making a donation to keep this site running!

Nemo Mortalium Omnibus Horis Sapit: Animo et Fide:

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Think they forgot to add the 'in the head' bit :)

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Any advice I give is honest and in good faith.:)

If in doubt, you should seek the opinion of a Qualified Professional.

If you can, please donate to this site.

Help keep it up and active, helping people like you.

If you no longer require help, please do what you can to help others

RIP: Rooster-UK - MARTIN3030 - cerberusalert

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Some pdls have tried this and dcas are copying them. Dont be surprised to see more of this popping up

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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  • 1 month later...

now emails are coming from sam N parcs-lowell home retail group, saying they are debt managers and I am to contact them urgently. Seems a variety of names associated with Lowell. I haven't and wont respond.

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Another one of Lowells' feeble attempts to make you feel that this mob are in a position of authority (in their dreams).

Any Letters I Draft are N0T approved by CAG and no personal liability is accepted.

Please Consider making a donation to keep this site running!

Nemo Mortalium Omnibus Horis Sapit: Animo et Fide:

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