Jump to content


  • Tweets

  • Posts

    • Commercial Landlords are legally allowed to sue for early cancellation of the lease. You can only surrender your lease if your landlord agrees to your doing so. They are under no obligation even to consider your request and are entitled to refuse. You cannot use this as an excuse not to pay your rent. Your landlord is most likely to agree to your surrendering the lease if they want the property back in order to redevelop it, or if they wants to rent it to what they regards as a better tenant or at a higher rent. There are two types of surrender: Express surrender in writing. This is a written document which sets out the terms of the surrender. Implied surrender by conduct. (applies to your position) You can move out of the property you leased, simply hand your keys back and the lease will come to an end, but only if the landlord agrees to accept your surrender. Many tenants have thought they can simply post the keys through the landlord's letter box and the lease is ended. This is not true and without a document from the landlord, not only do you not know if the landlord has accepted the surrender, you also do not know on what basis they have accepted and could find they sue you for rent arrears, service charge arrears, damage to the property and compensation for your attempt to leave the property without the landlord's agreement. Unless you are absolutely certain that the landlord is agreeable to your departure, you should not attempt to imply a surrender by relying on your and the landlord's conduct.  
    • I had to deal with these last year worst DCA I have ever dealt with. Just wait for the constant threats of CCJ and how you'll lose in court and how they won't do mediation and they want the judge to question you with a load of "BIG" words to boot with the letter. My case was struck out in the end, stupidity on their part as I admitted to owing the debt in the end going through the court process was just a formality as they wouldn't let it drop despite me admitting the debt regardless. They didn't send the last part of the court paper work in so it ended up being struck out     .
    • Well, that's it then. Clear proof of the rubbish cameras. Clear proof of double dipping. G24 won't be getting a penny. Belt & braces, I would write to the address LFI has found, include the evidence of double dipping, and ask Fraser Group to call their dogs off.
    • LOL. after sending Perch capital a CCA request with a stapled £1 PO attached (x2) Their lapdog Legal team TM Legal have sent me two letters today saying "due to a recent payment on the account, your account is open to legal/enforcement action" so i guess they have tried to apply that payment to the account to run the statue bar along. dirty tactics lol.
    • I have initiated the breathing space so ill wait. from re reading everything this what i understand BS gives me 60 days break from the creditors during these 60 days they may contact me and will most likely default I need to wait until after a default notice to see whether the OC will keep the debt or sell it off If kept by the OC then i should attempt a plan or pay some token payment? If sold to DCA then don't pay and after 6 years it will leave my credit report once the DN is registered with a date. DCA may start a CCJ but unlikely, if they do come back here. last question, do you know roughly how long this will all take? in terms of defaults/default notice, potential CCJ? Would you say I have 12 months plus from when the BS ends?
  • Recommended Topics

  • Our picks

    • If you are buying a used car – you need to read this survival guide.
      • 1 reply
    • Hello,

      On 15/1/24 booked appointment with Big Motoring World (BMW) to view a mini on 17/1/24 at 8pm at their Enfield dealership.  

      Car was dirty and test drive was two circuits of roundabout on entry to the showroom.  Was p/x my car and rushed by sales exec and a manager into buying the mini and a 3yr warranty that night, sale all wrapped up by 10pm.  They strongly advised me taking warranty out on car that age (2017) and confirmed it was honoured at over 500 UK registered garages.

      The next day, 18/1/24 noticed amber engine warning light on dashboard , immediately phoned BMW aftercare team to ask for it to be investigated asap at nearest garage to me. After 15 mins on hold was told only their 5 service centres across the UK can deal with car issues with earliest date for inspection in March ! Said I’m not happy with that given what sales team advised or driving car. Told an amber warning light only advisory so to drive with caution and call back when light goes red.

      I’m not happy to do this, drive the car or with the after care experience (a sign of further stresses to come) so want a refund and to return the car asap.

      Please can you advise what I need to do today to get this done. 
       

      Many thanks 
      • 81 replies
    • Housing Association property flooding. https://www.consumeractiongroup.co.uk/topic/438641-housing-association-property-flooding/&do=findComment&comment=5124299
      • 161 replies
    • We have finally managed to obtain the transcript of this case.

      The judge's reasoning is very useful and will certainly be helpful in any other cases relating to third-party rights where the customer has contracted with the courier company by using a broker.
      This is generally speaking the problem with using PackLink who are domiciled in Spain and very conveniently out of reach of the British justice system.

      Frankly I don't think that is any accident.

      One of the points that the judge made was that the customers contract with the broker specifically refers to the courier – and it is clear that the courier knows that they are acting for a third party. There is no need to name the third party. They just have to be recognisably part of a class of person – such as a sender or a recipient of the parcel.

      Please note that a recent case against UPS failed on exactly the same issue with the judge held that the Contracts (Rights of Third Parties) Act 1999 did not apply.

      We will be getting that transcript very soon. We will look at it and we will understand how the judge made such catastrophic mistakes. It was a very poor judgement.
      We will be recommending that people do include this adverse judgement in their bundle so that when they go to county court the judge will see both sides and see the arguments against this adverse judgement.
      Also, we will be to demonstrate to the judge that we are fair-minded and that we don't mind bringing everything to the attention of the judge even if it is against our own interests.
      This is good ethical practice.

      It would be very nice if the parcel delivery companies – including EVRi – practised this kind of thing as well.

       

      OT APPROVED, 365MC637, FAROOQ, EVRi, 12.07.23 (BRENT) - J v4.pdf
        • Like
  • Recommended Topics

Lowells Claimform - old Cap1 Card 'debt'


style="text-align: center;">  

Thread Locked

because no one has posted on it for the last 2623 days.

If you need to add something to this thread then

 

Please click the "Report " link

 

at the bottom of one of the posts.

 

If you want to post a new story then

Please

Start your own new thread

That way you will attract more attention to your story and get more visitors and more help 

 

Thanks

Recommended Posts

Hi,

 

I will try to keep this brief, have received county court claim from Lowells for credit card, I have already acknowledged service with intention to defend, sent CPR18 and CCA request but not submitted defence yet still have 2 weeks for that, what I need advice on is regarding the letter I have had back from Lowells as this could affect the defence I put in.

 

They have not as yet produced any documentation that has been asked for and have said I am not entitled to deed of assignment as this is confidential, but below is what they say regarding the account and I paraphrase.

 

The account was opened in 2007. The address they give for where it was opened I did not actually live there until 2009!!, would this have any relevance for defence I can prove that point?

 

The last payment on account was in 2012, however I know that the credit card company took the money out of my account and as I did not recognise the activity on my account because the d/d mandate was so old, my bank recalled the payment and put back in to my account, my question is and this is important, does this constitute a payment as if not it would be SB

 

They also said a default was registered on my credit file in 2012, obviously I have my credit files from all agencies (yes I am that anal lol) but there is no default at all from that date, the only one on there is one put on by Lowells not the cc company in 2014.

 

Any thoughts on this would be really appreciated

Link to post
Share on other sites

Welcome to CAG Charlie

 

Thread moved to financial Legal Issues in view of the court claim.

 

If you could please read the following link and then post the Qs and your responses back here for the best advice on how to proceed with this claim.

 

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

 

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

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

Link to post
Share on other sites

Hi, thanks for reply

 

Name of claimant: Lowell Portfolio 1 ltd

Date of issue: 19th Jan 2017

 

Particulars of claim:

 

1.The defendant entered into a Consumer Credit act 1974 regulated agreement with Capital one under account ref xxxxxxxxxxxx ('the agreement))

The defendant failed to maintain the required payments and a default notice was served and not complied with.

2.The agreement was later assigned to the claimant on 23/11/2012 and notice given to the defendant

Despite repeated requests for payment the sum of £1650 remains due and outstanding.

3.And the claimant claims:

The said sum of £1650, 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 at a daily rate of £xxxbut limited to one year being £xxxx

 

Total value of claim; £1960 inc costs

 

Claim issued by Debt purchaser not original creditor

No notice of assignment received

No default that I am aware from original creditor

No statutory notices headed notice of default that I am aware

 

Payments ceased circa 2008

as I left my husband,

he was the guilty party and he sent message with daughter to say he had paid debts,

moved several times after split so any letters either never reached me or could have been sent back as gone away.

 

 

I believe my last payment would have been 2008,

however as my original question posted they have a recalled d/d in 2012,

I do remember getting a snotty letter from Cap one because they had not been paid but I no longer have it

 

No communication entered into with either Cap one or Lowells at any time,

it was a horrible time in my life and I did bury head in sand quite a lot.

 

Have done everything else as suggested

 

Many thanks

Link to post
Share on other sites

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

 

You cant send a CPR18 request its not applicable to small claims..only Fast Track.

 

Have you sent a CPR 31.14 and CCA section78 request ?

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

Link to post
Share on other sites

The agreement would have been 2007.

CCA section 78 request sent over a week ago

I did send CPR 18 to Lowells did not realise it was for fast track,but they have written back to say they are contacting cap 1 for the paperwork I asked for.

Will get CPR 31.14 off tomorrow

 

I am doing ok so far?

Link to post
Share on other sites

The agreement would have been 2007.

CCA section 78 request sent over a week ago

I did send CPR 18 to Lowells did not realise it was for fast track,but they have written back to say they are contacting cap 1 for the paperwork I asked for.

Will get CPR 31.14 off tomorrow

 

I am doing ok so far?

 

Yes...its important to use the Correct CPR...edit to suit your particulars of claim and what they have referred to...yes your doing fine.....keep your eye on your defence date...33 days from and including the date on the claim as day 1..

 

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

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

Link to post
Share on other sites

Thank you I will, have it all marked up on calendar, just want to give them time to reply before I put defence in as I do not think they will have the paperwork but I want to be seen to be reasonable and give them chance to find it.

 

Do Lowells see your defence once you have put it in to court?

Link to post
Share on other sites

Yes Northampton forward a copy on receipt of your defence...a court or judge does not.

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

Link to post
Share on other sites

Thanks ,that is so good to know, will make sure defence is in on time but will not give them too much of a heads up.

 

Can not say thank you enough for your help you have simplified it so much for me, off to donate now, thanks again will probably be back with more questions as I get further along lol

Link to post
Share on other sites

Post your defence here before submitting....then we can cast an eye over 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 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

Link to post
Share on other sites

might be an idea to go ring cap1 and ask last payment date

 

 

if you can prove it was outside of 6yrs then you can file our statute barred defence

and that should kill the claim dead.

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... 

Link to post
Share on other sites

This might sound a daft question

but would I just ring Caps 1 general customer service line,

would they be able to find it from there?

 

 

I do have the old card number in question as Lowells kindly supplied that.

 

My only reluctance to do this is because I have a new Cap 1 card which I have had for 16 months,

this new account is in apple pie order and I can afford to pay this balance off if they got funny as I pay it off every month,

 

 

but I would be a bit miffed if I lost this because of Lowells,

but yes it would be a small price to pay to not have a CCJ or have to go to court.

 

 

Thank you

Link to post
Share on other sites

yes ring cap1

 

 

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... 

Link to post
Share on other sites

cap1 are not the least bit interested in your new card

they sold the old one off

and there prob never was a debt anyway

the current claim is nothing to do with them anymore

 

 

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... 

Link to post
Share on other sites

Well the plot thickens I have rung Cap one today, they were very helpful, ended up being passed over to Nottingham and a manager there.

 

They found account

it had a 1k limit,

it was taken out in 2007.

 

This is the interesting bit,

the lady confirmed a d/d payment had been made in 2012 but for £4768.00., which even with charges would have paid the account off with money over!!

 

I am now waiting for a phone call back as they are having to investigate and no I certainly did not make that payment and she said it was a cleared payment.

 

Either way it is good news because if that payment is nothing to do with me and they re-allocate the payment the debt is statute barred.

 

Also and this for anyone reading the posts,

Lowells have not been in touch and requested anything,

which is good for my defence if I need to go that way as I know they have not got anything.

 

So a bit happier today and will keep chasing Cap one for resolution on this mysterious payment.

Link to post
Share on other sites

As the agreement was assigned to the claimant on 23/11/2012 ....." the lady confirmed a d/d payment had been made in 2012 but for £4768.00."

 

I would assume that this in connection with the sale of the debt.

 

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

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

Link to post
Share on other sites

A lot to pay for a c/c debt

 

 

I suppose Lowells could have bought several for that amount,

but that does not make it a payment on that account from me does it?.

 

 

I have still had nothing from Lowells regarding the CCA,

or any paperwork for that matter time is up tomorrow for them.

 

 

Then will sort defence get it written up and let you look at it, many thanks

Link to post
Share on other sites

No nothing to do with you the account holder.

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

Link to post
Share on other sites

Good Morning

 

I am even more confused now lol.

 

I have spoken to Cap one and they have confirmed that the account was taken out at an address in 2007 which I did not go and live in until 2009, and there is a payment of £4786 in 2012 which I know I did not make,

 

because of the discrepancies in the records they have now passed it on to the fraud investigation dept to look into and they will have an answer in 14 days.

 

They have also said they will tell Lowells that it is being investigated.

I can't understand this as I am sure I had a cap one card in 2007

but not at the address they are telling me they have registered

and because they want to investigate they will give me no more info on the account.

 

My question is this my defence needs to be in by the end of the week what sort of defence should I put in, obviously I don't feel I can go statute barred, was thinking of going down the usual lines of having requested info and had nothing back etc woud this be right way to go?

 

Thank you

Link to post
Share on other sites

I think that this will require a customised defence charlie as its not the norm and because of the OCs investigation...under the circumstances I think Cap One should be instructing Lowell to discontinue the claim and take the debt back.

 

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

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

Link to post
Share on other sites

You are submitting as defence as per my last post.

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

Link to post
Share on other sites

I would suspect this might be fraud by someone at your old address when mail went there that you did not redirect

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... 

Link to post
Share on other sites

  • Recently Browsing   0 Caggers

    • No registered users viewing this page.

  • Have we helped you ...?


×
×
  • Create New...