Jump to content



  • Tweets

  • Posts

    • Apologies I hadn't seen that uploads need to be in PDF.   I have received the attached letter from STA which I assume is a standard letter as I've never spoken to them on the phone. I'm not sure what they mean by 're-commence recovery action'? Do I just continue to ignore them?   I have been in contact with the Uni who insist I need to pay the fees as I left the course after the first three weeks. They have not provided any evidence/documents that I signed an agreement to pay the fees or that I acknowledged that fees would be due if the course was left early. They referred me to their website which undoubtedly has changed since I was there.    I appreciate I shouldn't reply to STA however I'm not sure how to proceed with this overall.   I've read the claim form page and I'm not clear if I can request a copy of a credit agreement from the Uni as I'm not sure if its standard for a University to have required a credit agreement to be signed?    I'm not really clear what happens next and at what point I need to act. I've read about lots of different cases (fee related and non fee related) but can't find information on a case that is similar to mine. Do I wait until the Uni begins a formal action? I am concerned as I don't want the amount to increase from the already significant amount they are demanding.     Many thanks for any help you can offer.  staletter.pdf
    • I have now received some interesting responses....   Firstly - Lowell have sent a without prejudice letter offering a settlement of £3750 for a single payment or £4000 payable in instalments of £50pcm   Second - Lowell also sent a previous letter with the copy of the agreement saying it was the one they filed to court in 2018.  However I have not yet had it acknowledged from the court that they received a certificate of service for this.    Third - The court wrote to me today from the proper officer stating a video hearing will be heard 14 May 2021.    Dealing with each one in tern, I see the court hasn't responded to my email asking them to strike out the claim on the basis that Lowell haven't adhered to the order and that I haven't received the original documents and have now set this hearing date.    I note Lowell are willing to take an offer which is of interest. However I am inclined on the costs issue and trying to 'get rid' of the matter as cost effective and expediently as possibly to make a counter offer (at what level I am not quite sure yet).    Is there a letter template to use to draft a settlement or something that I can use to start with?     In Lowell settlement letter they are claiming it is not statute barred and that a payment was made to them for £200.  I have tried to go through everything and all I can find with the help of Santander who were my bank at the time, is a payment of £200 paid to Lloyds, but this does not have a reference on it only a s/c and a/c number.    How best is it to proceed?   Court Order 22_02_2021.pdf Response to Order.pdf Offer Letter.pdf
    • yes I have conversed over email and sent them forms both in email and by royal mail, firstly with erudio, then they sent it to capquest, then it went back to erudio and now with shoosmiths for a few years now.   And yes they are well aware of my correct and current address, I have only ever moved once since the loan and that was before Erudio and it was all plain sailing with Saas/slc.
    • 2 days now and the insurers have done nothing - just making it much more stressful.  
    • Pretty sure you are correct its not by royal mail either they are well aware of you correct and current address? so I'd ignore them.   Did you converse by email previously?? And or send your forms via email? Or royal mail?
  • Our picks

    • I sent in the bailiffs to the BBC. They collected £350. It made me smile.
        • Haha
        • Like
    • Hi @BankFodder
      Sorry for only updating you now, but after your guidance with submitting the claim it was pretty straight forward and I didn't want to unnecessarily waste your time. Especially with this guide you wrote here, so many thanks for that
      So I issued the claim on day 15 and they requested more time to respond.
      They took until the last day to respond and denied the claim, unsurprisingly saying my contract was with Packlink and not with them.
       
      I opted for mediation, and it played out very similarly to other people's experiences.
       
      In the first call I outlined my case, and I referred to the Contracts (Rights of Third Parties) Act 1999 as the reason to why I do in fact have a contract with them. 
       
      In the second call the mediator came back with an offer of the full amount of the phone and postage £146.93, but not the court costs. I said I was not willing to accept this and the mediator came across as a bit irritated that I would not accept this and said I should be flexible. I insisted that the law was on my side and I was willing to take them to court. The mediator went back to Hermes with what I said.
       
      In the third call the mediator said that they would offer the full amount. However, he said that Hermes still thought that I should have taken the case against Packlink instead, and that they would try to recover the court costs themselves from Packlink.
       
      To be fair to them, if Packlink wasn't based in Spain I would've made the claim against them instead. But since they are overseas and the law lets me take action against Hermes directly, it's the best way of trying to recover the money.
       
      So this is a great win. Thank you so much for your help and all of the resources available on this site. It has helped me so much especially as someone who does not know anything about making money claims.
       
      Many thanks, stay safe and have a good Christmas!
       
       
        • Thanks
    • Hermes and mediation hints. https://www.consumeractiongroup.co.uk/topic/428981-hermes-and-mediation-hints/&do=findComment&comment=5080003
      • 1 reply
    • Natwest Bank Transfer Fraud Call HMRC Please help. https://www.consumeractiongroup.co.uk/topic/428951-natwest-bank-transfer-fraud-call-hmrc-please-help/&do=findComment&comment=5079786
      • 31 replies

Lowell and Provi doorstep loan CCA


Please note that this topic has not had any new posts for the last 926 days.

If you are trying to post a different story then you should start your own new thread. Posting on this thread is likely to mean that you won't get the help and advice that you need.

If you are trying to post information which is relevant to the story in this thread then please flag it up to the site team and they will allow you to post.

Thank you

Recommended Posts

  • Replies 94
  • Created
  • Last Reply

Top Posters In This Topic

provident/vanquis all the same lot!!

but you go after provi for IR claim if the cap fits..

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

i wouldn't not you problem..

 

 

CAG Guide To PDL Reclaims

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

i have looked at the loans and there is a lot overlaping and clear evidence that i was struggling to pay one off not 2

i am now writing a complaint to provi with my concerns and evidence and will update on reply

Link to post
Share on other sites

with all due respect

let us see it.

 

 

you make so many schoolboy errors another might screw this.

 

 

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

this one i did although it is my first time at it

 

Name

Address

e mail address

Reference/Account number

 

Date

 

Complaint about irresponsible lending

 

Dear Sir/Madam

 

I am writing to you regarding the loans I took out between 11/12/2008 and 28/05/2010 for which I have the necessary Documents which I obtained under SAR.

As you are in possession of these Documents as well there is no need for me to supply you with copies. If however you cannot find these documents I am more than willing to supply you with a copy.

According to your Documents you have rolled my loans over on a number of occasions and also you have supplied me with loan after loan when it was clearly obvious from your documents that I was not financially able to pay the existing loan, you should have realised that when you made a credit check on my file on every application you would have also realised that I was in default on other loans this you did not take into consideration when you supplied me with a loan. Furthermore your agent did not at any time ask about my financial position nor was any questions asked about my income and expenditure at any time.

 

You should have not have given me these unaffordable loans therefore I would ask you to refund the interest charges and any other charges that occurred .

 

The Financial Ombudsman suggest that statutory interest is added to this sort of refund.

 

I only found out that I could make this irresponsible lending complaint in July 2017.

 

I also understand that the Financial Ombudsman will consider all of my loans including those that are over 6 years old.

Link to post
Share on other sites

simply make it short and simple.

 

between date and date

you allowed me to take out numerous loans, sometimes two at a time, sometimes rolling many loans into one new loan, when it was evident l could not afford them.

 

Not once did your doorstep agent ever ask to see any financial details, nor to my knowledge carry out any affordability checks.

 

I wish you to investigate this serious complaint complain please before I forward all my paperwork on to the FOS.

 

Have already sort advice from them, I believe you have XX days to do so.

 

something like that

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

befre I send it for your approval

Name

Address

e mail address

Provi address

 

Reference/Account number list them.

 

Date

 

Complaint about irresponsible lending

 

Dear Sir/Madam

 

Between the 11th of December 2008 and the 28th of may 2010 you allowed me to take out numerous loans with your company sometimes 2 at a time sometimes rolling many loans into A single new loan when it was evident that I could not afford them.

 

Not once did your doorstop agent ask to see my financial details, or to the best of my knowledge carry out any affordability checks.

 

I wish you to investigate this serious complaint before I submit my evidence to the Financial Ombudsman Service.

 

I have already sort advice from the Financial Ombudsman Service regarding this and I believe that you have 56days (8 weeks) to respond to my claim.

 

Should you fail to respond to my claim within this time period or fail to satisfactorily resolve my complaint I will submit my claim to the Financial Ombudsman Service without further notice to yourselves.

 

Thank you

Link to post
Share on other sites

blue bits

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
  • 1 month later...

oh well worth a try

 

 

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

what is the actual time frame for this

it says the time period for making a complaint to the ombudsman is six months from the financial decision of the financial business.

 

 

The time period within the which any complaint bought to the business is six years from the event being complained about or if later .

three years from when you knew or could reasonably have known you had a cause to complain.

 

To an ordinary layman this seems like that if knew i could complain last month then the 3 years period came into effect?????

 

can anyone help out on this ruling please

Link to post
Share on other sites

OFT debt collection guidance

 

Please remember the only stupid question is the one you dont ask so dont worry about asking the stupid questions.

 

Essex girl in pc world looking 4 curtains 4 her pc,the assistant says u dont need curtains 4 a computer!!Essex girl says,''HELLOOO!! i,ve got WINDOWS!!'.

Link to post
Share on other sites
  • 2 weeks later...

I think provi are trying to apply the ppi/ccl rules to general complaints

I don't these apply

I was looking at your stuff last night too

might have something for you to muse at later

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
  • Recently Browsing   0 Caggers

    No registered users viewing this page.


  • Have we helped you ...?


×
×
  • Create New...