Jump to content


  • Tweets

  • Posts

    • 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?
    • Well, it's up to you. Years & years & years ago the forum used to suggest appealing to POPLA, but then AFAIK POPLA's remit was changed and it became much more biased in favour of the PPCs. One of the problems with taking that route is that the onus will fall on you to prove your appeal, while if you do nothing the onus is on MET to start legal action which experience teaches they are very, very reluctant to do. If you go down the POPLA route I would think your ace would be insufficient signage.  Are you able to go back there and get photos of their rubbish, entrapping signs?
    • The first clearly visible sign as you pull in to the car park states “McDonald’s Customers Only 60 minutes” The next clearly visible sign is an almost identical sign outside Starbucks which states “60 minutes free stay for customers only” There are other signs towards the rear of the car park (away from the outlets) that have the terms and conditions on them in very small print.
  • 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

Old Halifax Credit Card debt - Lowell offering 90% settlement


style="text-align: center;">  

Thread Locked

because no one has posted on it for the last 2557 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

I have an old credit card debt from when I was younger and stupid with money due to fall off my credit file June this year.

 

Lowell have started writting to me again, it's been a good 2 years since I heard from them.

 

I suspect they know it's going to fall off my file and have come up with an offer to settle for 90% discount.

 

Is it better for me to wait until June or would I benefit from settling the debt at 90% discount?

after all its only going to cost me £300 which is pretty much nothing compared to my income now.

 

Lesson learned I guess!

 

my question is which does me the best favour credit rating wise,

 

it's frustrating I have good income now but because of things I did when I was in my early 20s I have issues borrowing for cars and a mortgage.

Link to post
Share on other sites

If they are offering 90% discount..you really should be asking why ? send them a section 77/78 request and ask for a copy of the agreement before even considering payment.

 

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

The problem with paying the money is that you will acknowledge the debt.

If this was me hang on for another month unles you get any sort of letter before action and ignore.

 

The most important thing is when was the last time you made any sort of payment towards this debt?

 

Just because it falls off your credit file does not make it statute barred

 

But that is me and you will have to decide what action to take

Link to post
Share on other sites

paying will not improve your score nor remove the default.

bit it will reset the SB clock

and leave you liable for the 90% when they sell it on as you've ack'd the debt.

 

 

begging letter!!

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

90% means its a lemon debt and they know they can NEVER enforce it at all. As advised, send the CCA request and laugh hard at them.

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

Link to post
Share on other sites

To add, there's either no paperwork, or the debt is long SB

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

Link to post
Share on other sites

The problem with paying the money is that you will acknowledge the debt.

If this was me hang on for another month unles you get any sort of letter before action and ignore.

 

The most important thing is when was the last time you made any sort of payment towards this debt?

 

Just because it falls off your credit file does not make it statute barred

 

But that is me and you will have to decide what action to take

 

Many many years ago 2010/2011 was that last time I made any payment

 

 

the last time I heard from the credit card company was then.

 

 

Lowell sent me a few letters in 2013/2014 but heard nothing or spoken to anyone since 2010/2011.

I just ignored Lowell and have moved 2 or 3 times since 2010.

Link to post
Share on other sites

Just ignore it completely. 90% means it is a lemon debt and they know they cant enforce it. Which is why t hey send a desperate begging letter but theyre so obnoxious they make it out as if theyre doing you a favour.

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

Link to post
Share on other sites

shld've just ignored for abit to see if it gets barred. if you didn't want to settle (only settle, if at all, re a reduction if its re the remainder wont get sold on, but note it wld be a 'partial settlement')

nudging the cra may end up nudging the dca

Link to post
Share on other sites

statute barred then if you've made no payment since atleast 2010/11

lowells will always think SB = Defaulted DAte which is wrong.

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

shld've just ignored for abit to see if it gets barred. if you didn't want to settle (only settle, if at all, re a reduction if its re the remainder wont get sold on, but note it wld be a 'partial settlement')

nudging the cra may end up nudging the dca

 

I have ignored it they wrote to me I haven't replied to it or rang them.

Link to post
Share on other sites

Have had a couple of these - the 90% discount in both cases was followed by a letter a month or so later stating that following a 'review of my account' they had closed the file and would not be contacting me again

 

Certainly ignore unless and until something arrives which looks like a Letter Before Claim

Any advice given is done so on the assumption that recipients will also take professional advice where appropriate.

 

PLEASE HELP US TO KEEP THIS SITE RUNNING

EVERY POUND DONATED WILL HELP US TO KEEP HELPING OTHERS

DONATE HERE

 

If I have been helpful in any way - please feel free to click on the STAR to the left!

 

Link to post
Share on other sites

have you moved from the address that you took this credit out at?

and they are blindly writing to an address they 'guess' you are now resident at?

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

have you moved from the address that you took this credit out at?

and they are blindly writing to an address they 'guess' you are now resident at?

If so there is danger of a back door CCJ.

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

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

The bailiff: A 12th Century solution re-branded as Enforcement Agents for the 21st Century to seize and sell debtors goods as before Oh so Dickensian!

Link to post
Share on other sites

have you moved from the address that you took this credit out at?

and they are blindly writing to an address they 'guess' you are now resident at?

 

I assume they've looked at my credit file to find me as they are writing to me and trying to ring me but I've blocked their number.

 

 

Letters they are sending are just settlement letters nothing else.

They haven't sent any threatening letters for years and years and as I said I've moved two or three times.

 

 

Come to think of it I don't think I've ever acknowledge it or spoken to them EVER I know they bought the debt from Halifax.

Link to post
Share on other sites

they know time is short-or expired so they are trying to get you to pay them something just to acknowledge the debt and then if you arent careful you will be lumped with a demand for the whole lot.

 

 

I would do nothing and if they send a lba you respond with a CCA request.

That will force them to get hold of the original documents which will waste more time and actually show what the reported default date was.

 

 

That is probably a couple of months out

so will give you more confidence that the debt is SB and they are just trying it on.

 

Think about it, why didnt they just send a N1 court summons rather than some stupid offer if there wasnt something dadgy?

Link to post
Share on other sites

retitled and moved to the Halifax forum.

 

 

 

 

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

get a CCA request running to them

that will kill two birds with one stone.

inform them of you correct address

and put them to strict proof.

 

 

even if it is SB'd nor near

that wont stop them issuing a claimform to the address last registered to Halifax.

 

 

large discounts that are not bitten on

usually make them more confident they can get a backdoor CCJ.

 

 

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

no its a legal request

go read the full CCA request thread and all its posts

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

Does this form run the risk of restarting the clock on the default/debt? I cannot afford to wait 6 more years for it to clear.

 

You can always add the heading to the CCA request...." I do not acknowledge any debt with your company " if it makes you feel better but no a CCA request is not an acknowledgement of a 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

  • Recently Browsing   0 Caggers

    • No registered users viewing this page.

  • Have we helped you ...?


×
×
  • Create New...