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    • You're like, super helpful and unhelpful at the same time lol.   What do I search for, I searched form 4, and nothing, I searched claiming compensation and nothing about this.   I can't find the top squares logo.   Can you post a link or tell me what to search.   Sorry if I'm slow.
    • use our custom google search box  click our top squares logo it should appear on that page   dx
    • Apologies, I haven't used a forum for years!!   I defo wish to keep the 2 issues separate, sorry!   My only issue I need help with is the increased compo for marstons - if possible.   I don't know anything about claiming compo etc. (I only recently found out one of the NHS biggest costs are NDA payouts)   I don't know what form 4 is; so far, they've offered £250 and I haven't accepted or denied it.   So yeah, can you forward me to some more info?   Also, usually I'm good at google etc. but I can't find many stories on this stuff, regarding PCN/TFL etc.   Thanks again!
    • ok things are getting clearer...   I've merged 2 of your posts for clarity and removed the swearing, (behave please) I've also taken down the two images you posted should you wish to post things up please use PDF so we can zoom easily and don't forget to redect them read upload carefully.   I think you need to continue to keep the two thing sep. those being increased compo for marstons- if possible ( if you are raising a form 4? complaint through the court - it might be better you don't? - they are very hard to justify and can be costly - so the fact it might not be moving forward could be a good thing, but listen to others here too) and the issue of the PCN wasn't justified - which you need to further expand on please.   the more info you post up the better please but please use multipage PDF files only and carefully redact them    
    • Thanks for trying btw! It's kinda in 2 parts.   1 is that the PCN wasn't justified in the first place and I wasn't aware it had escalated. I received the initial fine from TFL which I challenged and heard nothing back from (for 5 months). Then another letter from a separate PCN which made me email TFL to inquire what was going on but again, heard nothing back.   (BTW I can see how confusing this is so thanks again for trying)   So, I had no idea my car was at the risk of being taken - that's the first part.   No 2. is:   I got a phone call saying my car was on the back of a truck round the corner from mine (they hadn't left any notices or anything, and the car was parked directly outside my house). My friend said they were attaching the straps and securing it to the van (so I think they got it on the back of the van and moved it before securing it).   When I ran round the corner I saw the EA's van. I went upto it and asked what was going on. He was rude and told me to go away. Then after I kept knocking he got out the van and was aggressive and refused to ID himself or tell me why he had my car.   He shouted at me, was rude and unprofessional, he then left with my car. I complained to Marstons and asked for the bodycam footage.   They gave me the footage but it was clearly edited and cut short (because in the beginning of the footage he was the most aggressive).   They then told me he wasn't required to have the camera turned on when he's in the van, only when he's 'actively pursuing a warrant' and I was only allowed the footage I was in. (which is 2 different things) So I asked them to clarify which is true.   Anyway, I reviewed the footage and sent in my complaint (talking about what happened in the footage) They replied and said they watched the footage and disagreed with everything I said.   So I wrote a more in depth response with the CIVEA code to reference + the TFL EA guide etc.    Then they asked for more time, called me and finally apologised and admitted he had acted untoward and was in the wrong.   They then offered me the goodwill payment.   This has taken up weeks of my time, caused me serious trauma and PTSD and even after I complained WITH video evidence, they still initially denied it which means they officially lied, on record, while representing TFL.   I told TFL what was happening they said I had to continue with Marstons etc.   £250 goodwill isn't enough, the car cost £800 to get out, the suspension is messed up and I'd like to claim compensation for everything.   I don't know if that makes me sound like i'm money grabbing or whatever but they shouldn't be allowed to get away with it.   The police had to come before they could call an ambulance cause I was having a panic attack and it was a HORRIBLE experience.    So any help would be great please    I have the whole file from Resolver in a ZIP file but it's a lot of writing and I think you've read enough of my writing to last a life time!   I did a statutory declaration of OOT, got it signed by the court etc. but it was rejected.   I then tried to take them to court but it cost £250 I think which I don't have. You can get it for free if your low income but they wanted bank statements that I couldn't get. They're waiting for me to reply with documents to get a free court date.    did you receive any of the pcn's - was that why you appealed? - Yes, sorry!   unless it's trying secure a greater level of compo from marstons? - Yes, sorry!   For the record I just saw this pop up, read it and now feel much less guilty about my enquiry!
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bankerbuster

Refused to be sent a bill by Lowel

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Hello everyone I hope your all having a good day,

 

 

I have been sent a few demands for payments in a letter from Lowell portfolio in regards to various debts they have acquired.

 

 

The letters are threats,

demanding for payments and are asking me to phone up and arrange a payment.

 

 

Today I rang Lowell ( I know, I know) and asked them for over an hour which I have recorded with their knowledge to send me a ''bill'' with a giro slip / cheque / remittance form so I can remedy the accounts

they have refused to send me a bill with the remittance / giro form on the bottom.

 

 

They have said they will send me some sort of acquisition letters and how much I am alleged to owe and their bank details to make payments to,

 

 

I have no idea if this is the same as a bill

but I'm sure its not and after an hour they have point blank refused to send out a ''bill'' so I can remedy via giro credit and said they will only send out an acquisition letter and I can only pay via credit card.

 

 

I told them that I can not pay a debt without first receiving a bill which in my world would only seem fair and that by refusing my payment offer and refusing my request to send me said bill they have now null and void my debts.

They said that they would still come for me for my debts and put the phone down.

 

 

I'm just wondering what to do now as I haven't got an actual bill to pay the debts just some dodgy threatening letters and they have refused to accept my offer of payment through giro bank credit.

 

 

I'm just wondering what to do now as I do really want the bill sending to remedy the accounts ,

do they have to send me a bill or is a demand letter or an acquisition letter classed as a ''Bill''.

 

 

By refusing my offer of remedy and refusing to send me out a proper bill have they just null and void my debts.

 

 

Any advise would be greatly appreciated on what to do next as I will not pay via card or debt.

Many Thanks

 

 

BB a4v

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yea stop ringing them

 

 

they 'll tell you anything just to spoof you.

 

 

you need to know what these debts are and IF they are even enforceable!!

 

 

lowells are a debt buyer

they buy old consumer credit debts for peanuts

after the original creditors have written the debts of and sold them on.

 

 

THEY ARE NOT BAILIFFS

and have

NO SUCH LEGAL POWERS.

 

 

so if I were you id NOT be blindly paying or even THINKING of paying any powerless DCA until you confirm thedebt are even enforceable first.

 

 

go get you credit file.

 

 

see what shows.

 

 

dx


please don't hit Quote...just type we know what we said earlier..

 

if everyone stopped blindly paying DCA's tomorrow

the biggest financial industry in the UK, the whole DCA industry would collapse overnight.

 

 

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Many thanks Dx for your reply it is much appreciated.

 

 

My credit files show Three debts to the amount of £5k

all of which were placed into default a few months back

all assigned to Lowell so no statue barred yet.

 

 

I have paid them one debt which was cleared just before xmas and was subsequently removed,

 

 

I was paying them all my carers allowance of 63 per WEEK and they took it like no one business and didn't even care they took it ALL of me every week with out fail which is not going to happen again.

 

 

All I wanted was a Bill of them and they have refused to give it me ,

 

 

I have the recording if its any good,

just goes around the housing me asking for a bill to be sent ,

them saying we don't send bills.

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They can't send you a bill because they are not the orginal creditor dealing with the account billing under the original terms you agreed to. They simply bought the debt as part of a bulk buying process and as the new debt owner, you owe them the debt.

 

But if you can tell us what these debts are, then you might get further advice on how to deal with them.

 

Type of debt, approx year you took out account with original creditor, approx. amount of debt owed and approx. date you last made any payment. Also any issues of dispute with original creditors.


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Many Thanks for your reply Uncle,

I was unaware that these collections agency's who buy debt do not have to send out a ''bill'' I would of thought that any one asking for money from you would have to produce to you some sort of ''bill'' under some sort of law? but I'm probably way off,

 

 

however I did have a debt with Robinson way and they sent a proper ''bill'' with the giro credit slip at the bottom which was adjusted and a a4v was made and accepted without a PN.

 

 

Would it be possible to ask the original creditors to send this bill?

 

The debts are for two credit cards around £1500 for the two with Capital One and Luma, and Shop Direct around £1500

 

 

I do not dispute the debt as I have no reason to.

 

 

Can I show you my credit file would be easier?

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start a thread for each debt nobody can follow one with all debts in it.


:mad2::-x:jaw::sad:

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In addition to the other posts, I'm very curious to know where you got this idea that by "refusing" to provide you with a bill, they have annulled all your debts?


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In addition to the other posts, I'm very curious to know where you got this idea that by "refusing" to provide you with a bill, they have annulled all your debts?

 

With All due respect I think you have answered your own question , how can I pay a bill without a bill? Refusing to send me a bill is refusing payment isn't it ?

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I think to understand the problem you face you need to know exactly how the debt industry works.

 

Following on from Uncle Bs post above #4 debts are assigned to the DCA for as little as 10p in the £1..the debt has already been wrote off by the original creditor and reclaimed against their tax.The DCAs are simply the assignee of the defunct debt and send out letters cleverly disguised to make you think you are dealing with a bona fide creditor and have you believe they will do xyz if you refuse to cooperate.

 

They cant send payment slips with monthly statements..they are not geared up to be able to process that kind of payment...they dont send monthly statements so anything you do pay is simply unaccounted for.

 

They prefer a monthly direct debit or at least a standing order if you are soft enough to fall for their convincing letters and requests of payment.

 

Until you do all the necessary checks with the original creditor and you have received a Notice of Assignment of the debt and a copy of your agreement (section 77/78 request) and you are happy to comply to their request and there is no dispute with the original creditor...then that is the only means of payment.

 

Of course to set up a DD or SO you have to ring them first or possibly write ( this is to get acknowledgement of debt from you the debtor).

 

Whether you wish to willingly pay them after reading this is your choice..but make all the necessary checks first as they may not be legally entitled to collect on the debt and by paying them you are only financing them to harass others who are not aware of how the system works...unlike you.

 

Regards

 

Andy


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Plus if you read it , it was a question I asked "have they "

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I think to understand the problem you face you need to know exactly how the debt industry works.

 

Following on from Uncle Bs post above #4 debts are assigned to the DCA for as little as 10p in the £1..the debt has already been wrote off by the original creditor and reclaimed against their tax.The DCAs are simply the assignee of the defunct debt and send out letters cleverly disguised to make you think you are dealing with a bona fide creditor and have you believe they will do xyz if you refuse to cooperate.

 

They cant send payment slips with monthly statements..they are not geared up to be able to process that kind of payment...they dont send monthly statements so anything you do pay is simply unaccounted for.

 

They prefer a monthly direct debit or at least a standing order if you are soft enough to fall for their convincing letters and requests of payment.

 

Until you do all the necessary checks with the original creditor and you have received a Notice of Assignment of the debt and a copy of your agreement (section 77/78 request) and you are happy to comply to their request and there is no dispute with the original creditor...then that is the only means of payment.

 

Of course to set up a DD or SO you have to ring them first or possibly write ( this is to get acknowledgement of debt from you the debtor).

 

Whether you wish to willingly pay them after reading this is your choice..but make all the necessary checks first as they may not be legally entitled to collect on the debt and by paying them you are only financing them to harass others who are not aware of how the system works...unlike you.

 

Regards

 

Andy

 

Many thanks Andy for your much needed education . However I have a few bills from Robinson way , moorcroft ect ect and they all sent me bills with the remittence form on the bottom, are they different ? The only company that I have delt with that has refused me to pay via giro cheque is Lowell? Just trying to understand the system a bit better

Edited by bankerbuster

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Robinsons must be able to afford better accounting systems then and more are falling for the their nonsense by funding it:-)


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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STOP BLINDLY PAYING DCA'S

 

 

we want £100 for every answer we have given you here

 

 

if we sent you a bill,, would you blindly pay that too?

 

 

stop being a cash cow!!

 

 

just because morally you 'think' you owe the money

 

 

legally yo may not!!

 

 

ask yourself one question...

 

 

why did the original creditor sell my debt to a debt buyer for a a fraction of what its worth?

 

 

why didn't they take me to court and crush me?

 

 

gedit yet?


please don't hit Quote...just type we know what we said earlier..

 

if everyone stopped blindly paying DCA's tomorrow

the biggest financial industry in the UK, the whole DCA industry would collapse overnight.

 

 

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With All due respect I think you have answered your own question , how can I pay a bill without a bill? Refusing to send me a bill is refusing payment isn't it ?

 

I don't think that this argument would run very far. I'm not entirely sure what it is they have refused or why they have refused it – but I don't see anything which suggest that they are refusing to accept payment – and certainly nothing to suggest that you would be justified in saying that the debt is now annulled. It doesn't help your credibility with them to make those kind of statements over the telephone or elsewhere. It all sounds a bit like Freedom of the Land stuff, I'm afraid


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