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    • This must be part of the new tactic from Evri.  They know they are going to lose. They take it to the wire and then don't bother to turn up in order to save themselves costs and of course they don't give a damn about the cost to the British taxpayer and the extra court delays they cause. This is a nasty dishonest company – but rather in line with all of the parcel delivery industry which knows that their insurance requirements are unlawful. They know that their prohibited items are for the most part unfair terms. They know for the most part that a "safe place" is exactly what it means – are not left on somebody's doorstep in full view. They know that obtaining a signature means that they have to show the signature not simply claim that they received a signature. They are making huge profits especially from their unlawful and unenforceable insurance requirement. Although this is less valuable than the PPI scandal, in terms of the number of people who are affected nationwide, PPI pales into insignificance. I hope the paralegals working for Evri are proud of themselves and they tell their families what they have done during the day when they go home.
    • Your PCN does not comply with the Protection of freedoms Act 2012 Schedule 4 Section 9[2][a] (a)specify the vehicle, the relevant land on which it was parked and the period of parking to which the notice relates; The only time on the PCN is 17.14. That is only  a time for there to be a period there would have to be a start and and end time mentioned. of course they do show the ANPR arrival and departures  times but that is not the parking period and their times are on the photographs not on the PCN. They also failed to comply with S.9[2][f] as they omitted to say that they could only pursue the keeper if they complied with the Act. That means that they can only pursue the driver as the keeper cannot be held liable for the charge. As they do not know who was driving and Courts do not accept that the driver and the keeper are the same person they will struggle to win. Especially as so many people are able to legally drive your car and you haven't appealed giving them no indication therefore of who was driving. Small nitpicking point-the date of Infringement was 22/04/2024. They appear to be saying that they can charge an extra amount [up to £70 ] if they have to use a debt collector. You do not have a contract with a debt collector so they cannot add that cost. You paid for four hours so it can only be the 15 minutes they are complaining about. You are entitled to a ten minute minimum grace period at the end of the parking period which would be easier to explain if the car park had been bigger. However if you allow for two minutes to park and two minutes to leave that gives you one minute to account for. Things like being held on the way out by cars in front waiting to get on to Northgate or even your own car being held up trying to get on to Northgate at a busy time. then other considerations like having to stop to allow pedestrians to walk in front of you or being held up by another car doing a u turn in front of your car. you would have to check with the driver and see if they could account for an extra one minute things like a disabled passenger or having to strap in a child . I am not advocating lying since that could lead to serious problems [like jail time] but there can be an awful lot of minor things that can cause a hold up of a minute even the engine not starting straight away or another car being badly parked as examples. Sadly you cannot include the 5 minute Consideration period as both IPC and BPA fail to comply with the convention that you can include that time with the Grace period.  
    • Defence struck out not case struck out...you have judgment  Well done topic title updated Regard's Please consider making a donation if not already to support us to help others.   Andy.   .
    • Hi all, I wanted to update you and thank you all for your help. I am delighted announce that after the case was struck out due to no response from Evri, judgement was issued after I submitted the forms and I was just about to take it to warrant.  today I received an email from the claims department requesting my bank details to make payment for my full award. The process has been long since the initial proceedings  in January i must say your help and guidance has been greatly appreciated.  
    • Quote of the century "Farage pops up when the country’s at a low ebb; like a kind of political herpes" - Frankie Boyle Updates
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CCJ from Lowells over Ikea Debt


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Hi

 

I see that Lowells feature frequently on here and would like some help with my response to the courts.

 

 

I have received a CCJ claim form dated 27th January,

it arrived yesterday,

over an old ikea debt which is around £700.

 

 

I had difficulty paying the instalments on time and then stopped altogether

I know I am at fault and due to being a single mum on disability benefit with a mountain of debt at the time I just sort of buried my head in the sand.

 

 

I understand that it leaves a bad record on my file but to be honest my credit record is probably screwed anyway since losing my job and so on...

 

 

I was going to offer to pay something nominal like £2 a week since I am on benefits,

or should I take alternative action/contest it,

 

 

I had a text from Lowell today to say to get in touch but I don't understand why (and won't be calling them!) since they have already started the ball rolling with the courts in Northampton.

 

Any advice would be much welcome, am useless at all this sort of thing and don't really know my rights, or ways forward.

 

Thanks

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Hi Sarah and Welcome to CAG

 

If you would read the following link and then copy and paste the qs and your responses back here for the best advice on how to deal with this claim.

 

http://www.consumeractiongroup.co.uk/forum/showthread.php?419198-You-have-received-a-Claim-What-you-need-to-do.-**UPDATED-2016**(2-Viewing)-nbsp

 

Regards

 

Andy

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 OTHER

 

Have we helped you ...?         Please Donate button to the Consumer Action Group - The National Consumer Service

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Name of the Claimant ? LOWELL PORTFOLIO LTD

Date of issue – 27TH JAN 2017

 

What is the claim for –

 

1) THE DEFENDANT ENTERED INTO A CONSUMER CREDIT ACT 1974 REGULATED AGREEMENT WITH IKANO BANK AB (PUBL) UNDER ACCOUNT REFERENCE XXXXXX ('THE AGREEMENT')

 

2) THE DEFENDANT FAILED TO MAINTAIN THE REQUIRED PAYMENTS AND A DEFAULT NOTICE WAS SERVED AND NOT COMPLIED WITH.

 

3) THE AGREEMENT WAS LATER ASSIGNED TO THE CLAIMANT ON 31/3/2015 AND NOTICE GIVEN TO THE DEFENDANT

 

4) DESPITE REPEATED REQUESTS FOR PAYMENT, THE SUM OF £571.73 REMAINS DUE AND OUTSTANDING.

 

AND THE CLAIMANT CLAIMS:

A) THE SAID SUM OF £571.73

B) INTEREST PURSUANT TO S69 COUNTY COURTS ACT 1984 AT THE RATE OF 8% PER ANNUM FROM THE DATE OF ASSIGNMENT TO THE DATE OF ISSUE , ACCRUING A DAILY RATE OF £0.125, BUT LIMITED TO ONE YEAR, BEING 45.74.

 

What is the value of the claim? 747.47

 

Is the claim for a current account (Overdraft) or credit/loan account or mobile phone account? IKEA STORE CARD

 

When did you enter into the original agreement before or after 2007? BEFORE 2007

Has the claim been issued by the original creditor

or was the account assigned and it is the Debt purchaser who has issued the claim. DEBT PURCHASER

 

Were you aware the account had been assigned – did you receive a Notice of Assignment?

MAY HAVE RECEIVED IT, HAD A LOT OF DEBT AND MANY LETTERS DON'T REALLY SPECIFY ORIGINAL CREDITORS, GENUINELY CAN'T REMEMBER BUT TAKE RESPONSIBILITY FOR IT.

 

Did you receive a Default Notice from the original creditor?

 

SEVERAL LETTERS, NOT SURE IF ONE WAS A DEFAULT NOTICE, NOT RECEIVED ANYTHING FROM IKEA OR LOWELLS FOR SOME TIME IF I RECALL, ONLY PHONE CALLS/MESSAGES WHICH I DON'T REPLY TO AS I AM UNSURE OF WHICH DEBT IT REFERS TO BEFORE NOW.

Have you been receiving statutory notices headed “Notice of Default sums” – at least once a year ? NOT SURE

 

Why did you cease payments? AROUND 2 YEARS AGO, POSSIBLY A BIT MORE.

What was the date of your last payment?

 

I ESTIMATE (CAN'T OPEN ONLINE ACCOUNT AT MOMENT TO CHECK) AROUND EARLY/MID 2015 BUT COULD BE EARLIER.

 

Was there a dispute with the original creditor that remains unresolved?

 

NOT THAT I AM AWARE OF, JUST GOT STUCK MAKING PAYMENTS AND CEASED TO PAY DUE TO INTEREST AND GROWING DEBT.

Did you communicate any financial problems to the original creditor and make any attempt to enter into a debt managementicon plan? NO :(

 

 

 

Here is my reply, sorry for the delay, this is as much info as I can find at the moment.

 

 

Sorry some answers are not terribly helpful, I genuinely got in a muddle a few years back due to ex not paying child support/other debts all being required which were more urgent and this fell by the wayside.... any advice most welcome

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I'd send them a CCA request, as theyd need the original to enforce it. However, it has to be done through certain procedures now. I bet you anything they have no paperwork at all, and will ask for more time to get it if you challenge them. Theyre hoping for a default judgement where they dont even need to check if the debt is actually legally enforceable.

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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pop up on the MCOL website detailed on the claimform.

.

register as an individual

note the long number given

then log in

.

select respond to a claim and select the AOS box.

.

then using the details required from the claimform

.

defend all

leave jurisdiction unticked.

click thru to the end

confirm and exit MCOL.

.

get a CCA Request running to the claimant

leave the £1PO blank and uncrossed

.

get a CPR 31:14 request running to the solicitors

.

don't sign anything

.

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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Just wanted to send a quick thanks for this, I have actioned it and will keep you posted. Sorry for the delay in replying, my PC is a little temperamental at the moment.

 

Incidentally, I got the notice of claims issue letter at the weekend from Lowells, surely that should come before the claim is set up with the court? It said that I should contact them as otherwise they 'may have to issue a CCJ' or something of that ilk, which is weird as surely that is what they have done anyway?

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Incidentally, I got the notice of claims issue letter at the weekend from Lowells, surely that should come before the claim is set up with the court? It said that I should contact them as otherwise they 'may have to issue a CCJ' or something of that ilk, which is weird as surely that is what they have done anyway?

 

Thats Lowells for you ...just wait to you get to the court process and they have to follow the procedure :-)

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 OTHER

 

Have we helped you ...?         Please Donate button to the Consumer Action Group - The National Consumer Service

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

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