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    • The questionable service from the surgery you mention TJ could do with their methods being passed onto the Care Quality Commission and PALS.    Watching Panorama this week the shared ownership scheme needs a serious review to ensure the system helps people not hinder. There must also be developments in the shared ownership scheme with unsafe cladding compounding the terrible financial situation the developers and landlords have put people in.   From the Grenfell enquiry, to me the cladding was mis sold as being entirely inflammable and wondered if the process of fitting the cladding, the council also had the responsibility of conducting their own fire tests. In addition to those thoughts, I'm sure the fire service and resident associations made in clear over time for Grenfell and other developments in the UK buildings did not comply to stringent fire and safety regulations.
    • Good morning.    I would like some advice please.    I recently (19th nov) bought a Samsung Galaxy S20+ from currys. I did open and set up the phone to try it out but 1) wasn’t keen on it and 2) had trouble with the usb connection when trying to connect with my car stereo.   I decided that I would seek to return it, but only on trying to return it came across the stipulation that if data/software has been installed then a refund would not be issued and after calling was told this was due to GDPR. I did point out to them that phone providers will issue full refunds even if the phone has been set-up and also that in order to be able to test the phone it requires setting up and software/data being installed but was told that it’s their policy.   I acknowledge that I may have handled it more than is reasonable in a shop as you wouldn’t be able to install software in a store, however the phone did need to be set up in order to test it, the phone has been returned back to factory settings and didn’t leave a case or the plastic film for the two days I used it for. Therefore I do not believe it was handled more than necessary.   Having looked at the CCR and CRA I called back to state that their store policy is super erred by the previously mentioned regulations and that their policy contradicts the Consumer Regulations Act.   As you cannot properly test the phone without having to install software on it, their policy creates an unfair term which I told the customer service agent over the phone who spoke to her manager and told me to contact their legal department.   I am still within the 14 day notice of return period so wish to try and preferable use this route.   Any advice at all please?
    • Here is all the details (hopefully) in one post.   The Ford Kuga was purchased from Fast Motor Finance LTD Crawley on 8th September 20 Mileage at purchase was 109520 through HP fiancé via Advance Finance Grimsby   The car was covered by a 6 month warranty that includes engine & gearbox but excludes clutches, flywheels or any wear & tear (Taken from the garages website)    Service History:   08-04-2013 Pre-delivery Inspection 26-11-2013 12809 Service (no paperwork just stamped book) 09-07-2014 25963 Service (no paperwork just stamped book) 09-02-2015 36814 Service (first Invoiced service but no paperwork just stamped book). Gearbox service would of probably been done here but can't verify. 16-02-2016 50385 Service  (Full service, paperwork and stamped book) 31-03-2017 64680 Service (Full Service, paperwork & stamped book) 13-02-2018 76988 Service ( Full service with gearbox service, paperwork & book stamp) 29-03-2019 92592 Service (Full service with paperwork & book stamp) 11-02-2020 106322 Service (Basic Service, no paperwork but book stamp)   As there was no paperwork for last service the garage which serviced the car were able to email over that the service was a basic oil & water change and that the gearbox oil and filters was not changed.   At the beginning of November the gearbox started making some noise and was having trouble selecting gear.   The finance company  asked for the car to be taken to a VAT registered garage to find out what the problem was and not to drive it further.   After the garage looked at the car the estimate was for a full service of the gearbox which would be £370 but because it had gone over Ford recommended mileage for the gearbox there would be no guarantee this would clear the problem and that would mean a replacement gearbox would be needed.   Since picking the car up in September the car has driven 1500 miles.   Spoke to the garage as was informed that the car was over 30 days old and there was nothing they could do and the gearbox would not be covered by the warranty as this would be normal wear and tear!   The warranty company said exactly the same and would not entertain us.   After countless calls and emails to Advantage finance a formal complaint was raised and they finally agreed to send one of their mechanics to inspect the car last week 19th November. The mechanics ahs reported back to Advantage that the noise is down to wear and tear and Advantage have closed the complaint and are sending out a deadlock letter that includes a copy of the mechanics report.   Would their mechanic have to be DEKRA registered to complete the report or Advance Finance own mechanic?   This now means that the car cannot be driven is still at the garage and will need a minimum of £370 to make it driveable on a car that has been driven 1500 miles since collection without a guarantee that this will cure the problem.   We are both key workers that need the car to travel to and from work as well as take our son to nursery, and at the moment having to rely of friends and family to help out with lifts.   I have spoken to Ford and they have told me these car need to have the gearbox serviced at around 35k and at a very maximum of 37.5k and have put this on letterheaded paper, I have also emailed a couple of other Ford and independent dealers to get details of this as well.   Would it be worth getting an AA or RAC inspection done to check the gearbox and to see if there is any other problems with the car.   Thanks again to everyone epically dx & Bank fodder who have helped me with advice.   JJ    
    • nothing they can do anyway so..   dx
    • I've successfully had a Claim discontinued using the exact stages recommended by Andy and DX. They are outstanding individuals in the fight against these dreadful DCA's! Good luck.   'L' will likely pull out at the eleventh hour but mean time try to fob you off with bank giro slip copies as Contract proof lol. Stand your ground!   Also my Letter Before Action actually came AFTER the  Money claim. They can't even get the pre-action protocol right.   Another thing they tried was pretending to send papers that looked like they were from the court for me to sign re: Claims Track.. Boxes had been pre-checked by them to dupe me into signing their preferred action. I printed out my own and sent those to the court instead. 
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Lowell/Lowell solicitors claimform - old vanquis card 'debt'


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Hi All,

 

I'm looking to get some advice on my next move as I can't seem to find the answer easily online and fed up of spending time on the phone to NCCBC and being on hold....

 

on the 03/10/2016 I received a Claim form dated 29/09/2016 from Lowell Solicitors claiming I owe Lowell Portfolio for an old Vanquis debt.

 

AOS with defend in full duly filed 18/10/2016

 

12/10/2016 CCA letter sent to Lowell portfolio..... as of yet not response.

 

12/10/2016 CPA and CCA sent to Lowell Solicitors,

Lowell confirmed receipt of request on 21/10/2016

 

 

Nothing heard from Lowell Portfolio or Lowell solicitors by 30/10/2016

 

 

a defence of no paperwork/CCA etc was filed on 30/10/2016 and received 31/10/2016 on the MCOL website.

 

Now my question is

what to do next as

 

 

I have not received anything from NCCBC or Claimant in regards to allocation questionnaires etc etc

and over 28 days have passed since filing my defence.

 

Any help/advice would be greatly appreciated

 

Thanks

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the claim is stayed

 

 

nothing for you to do

 

 

if lowlife wants to progress things now

they will have to pay additional fees

and ofcourse produce an enforceable set of paperwork.

 

 

they issued a speculative claim hoping for a default rubberstamped judgement where nothing is checked

you called their bluff andupset them by defending.

 

 

well done

job done

 

 

go enjoy your life.

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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hope nothing to notify you upon.

 

the claimant issued a speculative claimform by which the rules of doing such state

that once the defendant has filed a defence they have 28 days to do 'something'

they didn't - its stayed.

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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Thanks for the info....... As of today nothing has been heard from Lowell or NCCBC

 

And thats the way you want it to stay:-)

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 The National Consumer Service

 

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

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  • 3 weeks later...

my mind runs away with me from time to time

and over Christmas I got to thinking about Lowlife and Lowlife solicitors..

 

I am a bit concerned that I haven't even received a paper confirmation that my defence has been served upon the claimant. is this normal???

 

I know its way over 28 days since I filed my defence and I haven't heard a whisper....

 

Thanks in advance

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not unusual from those cretins, next week ring the court and ask if case stayed should be if no response received, by then, means that if stayed they Lowells would have to pay to un-stay the case, courts are closed until next week.

:mad2::-x:jaw::sad:
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I found out for myself that the courts were closed as I tried ringing today.... the cheek of it!!!!

how dare they have time off over Christmas....

 

I have to ask as my mind is getting my nerves today..

. Surely if I have filed a defence with MCOL then it has to have been served on the claimant??

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the court would have served on lowells,

nothing new in that lowells hope you do not respond and get a CCJ by default,

 

 

next they may try the allocation/mediation part then nothing,

 

 

see what happens next no telling with those cowboys, just ring the court next week

:mad2::-x:jaw::sad:
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now go re read post 4

forget about it

go enjoy your life

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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now go re read post 4

forget about it

go enjoy your life

DX.... I have read and re-read this thread many a time, and I was already enjoying my life before Lowlife interjected themselves into my life.....and all this doesn't stop me asking a question!!!!!!

Thanks to all of you for your advice/comments

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t was a speculative claim

hoping for a default uncontested rubberstamped judgement

where nothing is checked.

 

 

you found cag!!

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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  • 4 weeks later...

Update Time.....

Its seems Lowell Solicitors are trying their luck....

 

 

Back story..

Defence filed 30/10/2016.... defend all.

Confirmed via MCOL 31/10/2016.

No response from Claimant regarding defence.

No paper response from Northampton regarding defence.

 

 

85 days later I get a letter from Lowell stating that they have lodged a directions questionnaire with Northampton and that I should be receiving one soon from Northampton to file as directed...

Funny thing I find is that how come the claimants solicitor can receive and file a DQ before the defendant has even received one?? surely the court issues these DQ's

Also on the Claimants copy of the DQ they have stated that there will be no witness's available for claimant for the hearing (if it goes that far haha)

 

 

whole thing sounds like a crock o poo to me..

 

 

a couple days wait to see if anything turns up from Northampton then if nothing a quick call to the court to confirm the claim is stayed and no fee paid to lift stay...

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Typical tactic if you go read recent Lowell claims

Anyone can download the DQ form

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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Update.......

its been a couple of days since receiving the "we have filed our DQ with the court" letter from Lowell....

.

Still no sign of my DQ from the courts themselves yet!!!!

 

Been working away so unable to call the courts to confirm whether or not Lowells letter is legit or not. Will ring the court first thing Monday.

 

After reading several other threads regarding Lowell this seems to be their new tactic to try and fleece people...

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Update Update..... not that it matters.......

 

Spoke to the court today after waiting in the call Queue for what seemed like forever..

 

 

.. I was advised that the court had received a copy of Lowell's DQ also but could not act on it as they had not sent it out and the claim has and still is STAYED!!!!!

no fees have been paid to lift the stay or requests to lift the stay...

 

The guy at the court did say that this has been happening a lot from Lowell's over last couple of weeks...

 

He also stated that a letter had been sent to Lowell's stating the claim was and still is stayed, and any further action would need a Judges authority..

 

Nice try Lowell.....

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It snot just over the last few weeks. Its part and parcel of how lowells operate. its abase part of their business practice.

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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