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    • Hi   I haveh ad a good re read of your Topic and do agree with BazzaS  that you need to take a step back from this and I can appeciate that you are not happy with the treatment that your relative has been given due to the sleeping pill being prescribed.   You mention the wait at the hospital of over X hours but you do not say if this relative went to a certain department with a GP letter or whether this was via the hospital A&E Department.   If it was via the Hospitals A&E Department you need to bear in mind the following:   1. This was during COVID-19 and protetions will be in place to protect both Medical Staff and Patients coming to A&E   2. The A&E Department will Triage every single Patient coming to that Department as to who needs instant medical treament to those who can wait a certain period but as this can be a fast flowing Department the Triage System can change minute by minute dependent on the amount of Casualties/Patients they have to treat.   IMO you need to approach this from the beginning as to why your relative was prescribed that specific medication with there medical condition and that GPs reasoning at that time. (was this fully discussed with that relative at that time, as you say they have capacity to sign a letter, did they understand what the GP was saying at the time about this medication and did they agree to the GPs decision to prescribe this medication if they have capacity and were the possible side affects explained)   My concern is you state they have Dementia then state they have capacity to sign a letter but we are unaware of what type of Dementia the relative has i.e. is it early onset Dementia as you need to be very careful if they have memory loss issues with stating they have capacity to sign a letter when there is no Power of Attorney nor Deputyship in Place for that relative.    
    • Be Wiser is the Trading Name of Atlanta 1 Insurance Services Limited, an Insurance Broker (see this link Privacy Policy look under 'Who we are': https://www.bewiser.co.uk/privacy )   Atlanta 1 Insurance Services Limited Autonet Insurance Nile Street Burslem Stoke-On-Trent ST6 2BA   Company Number: 03642372   Incorporated: 1st October 1998   Company Type: Private Limited Company   Directors: Craig David Ball (Appointed 22nd March 2005) & Ian James Donaldson (Appointed 20th December 2004)   Companies House Link: https://find-and-update.company-information.service.gov.uk/company/03642372   FCA Register: https://register.fca.org.uk/s/firm?id=001b000000MfWfKAAV (according to above link they have 36 different Trading Names)   As stated send them a Subject Access Request (SAR) asking for 'ALL DATA' that little phrase covers whatever format they hold that Data in and they have 30 Calender Day to respond and the Time Limit only starts once they have acknowledged reciept of your SAR and are not asking for further identification which can then extend the time limit.   In the Privacy Policy Link: https://www.bewiser.co.uk/privacy  (see 9. What are your Right for who to send your SAR to (in fact see below))   Data Protection Officer Atlanta 1 Insurance Services Limited Autonet Insurance Nile Street Burslem Stoke-On-Trent ST6 2BA   There Terms & Condition on ther website isn't really clear on Cancellation in the circumstances you describe but it does mention elsewhere about if you have a telematics insurance policy to refer to suplementary information which isn't on there website.   Do you have a copy of your actual Polict that they sent you that you could post up in PDF Format and make sure it is redacted please as the T&Cs on there website may be different to your actual Policy due to them being a Broker.  
    • opps you emailed them asking to cancel you should have simply let one more payment go out then cancel the DD. they've had their money and £100's more than they ever should have gotten. cancel the DD ignore everyone.    
    • Fair comment Andy   Enclosed.. Claimant supplementary WS Redacted (1).pdf
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lowell claimform - old LLoyds loan/Fast Track***Settlement Agreed***


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I received a Letter of Claim from Lowells today and now my heart is racing and a sense of panic is setting in.

 

Particulars of debt:

 

On 22/6/2009 you entered into an agreement for Lloyds account.

 

You failed to make payment in accordance with the terms of the agreement and it was later terminated and subsequently assigned to our client by Lloyds Bank PLC on the 24/11/2015.

 

Notice of the assignment has been previously been given to you

and you may request a copy of the agreement on the enclosed reply form

 

you are required to make payment of the of the sum outstanding £11931 within the next 30 days.

 

Please advise as i certainly do not have that type of monies available..

 

Silly silly me for stopping my repayments

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Surely whether there is a claim or not ,

it is now statute barred ,

 

not sure whether the statue barred letter or the prove it letter would be the best in the first instance ,

 

someone will be along with more up to day experience than I to advise shortly.

Lula

 

Lula v Abbey - Settled

Lula v Abbey (2) - Settled

Lula v Abbey (3) - Stayed

 

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Thank you Lulu

 

I have checked my credit score history and experian history and nothing is showing on these..

 

Sorry if asking a silly question but is Lloyds chasing the debt or it is Lowells themselves?

 

I have completed the reply form as per another thread on here requesting further information and disputing the debt as they have not provided me with any agreements etc,

 

I am just about to write a CCA request also,

 

is this advisable?

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Hi Ford, yes I received the form and have completed as per sample on thread pap requesting required information, as per Lulu suggestion would I be able to claim statue barred and complete that template? It is all very confusing.Thank you in advance

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Thread moved to Debt Collection Agencies Forum......please continue to post here to your thread.

 

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Andy

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Hi Ford, yes I received the form and have completed as per sample on thread pap requesting required information, as per Lulu suggestion would I be able to claim statue barred and complete that template? It is all very confusing.Thank you in advance

depends on the circumstances, as fkofilee asked post up here further info about the alleged account, last payment date, when defaulted, etc.

IMO

:-):rant:

 

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account OPENED in 2009 so SB date will depend upon when the debt was last acknowledged or payment made.

 

Now banks like to stretch this out by not defaulting soon after the payment date is missed but know that if they leave it too late them not issuing a default notive will go against them anyway.

 

Your credit files my mean that the debt has dropped off so it is SB

and Lowells know this but hope that they might get you to agree to pay them somehting t make this go away.

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is this a bank account?

if so you cant CCA

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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that is why it is not on your credit files.

 

As last payemnt was 2014 then it wont be SB until 2020.

 

Now, what was the original debt,

how much was owed when defaulted,

how much had you paid off with arrangement

and what is the balance now supposed to be according to lowells?

 

Does this tally with all your other records/payments ?

I bet it doesnt so get your figures worked out.

 

I had a debt management plan that I stopped paying in Sept 2014, they were paying Lloyds £5.00 per month
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The loan was with Lloyd for the £11k,

unsecured

it is saying that I owe this amount still,

 

I since have found out that Immediate finance was only paying them £5 per month,

 

I have completed the reply form

do I need to complete any other letters etc before I send the form back

 

Loan was taken out in 2009 unsecured loan

Immediate finance paid back £5 per month for 2 years

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no just do as post 6 of that thread in post 5 here

 

get an sar running to IF

there will be an F&F pot to reclaim

I bet.

 

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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I have completed the reply form

do I need to complete any other letters etc before I send the form back

 

just a general double check. don't do any of a claimants personalised forms. only do the standard pap one as posted.

IMO

:-):rant:

 

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  • 2 months later...

load of bogroll really

where's the signed agreement?

no T&C's

no default notice.

 

going by the paperwork it says not cancellable

so you signed the agreement at the bank?

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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well that's obv not yours then

its a reconstruction

which they don't say so anywhere

 

as we know a signed agreement exists

i'd say that doesn't meet the requirements of the CCA

 

and most certainly couldn't be enforced in court with what they've produced so far.

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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no!

 

they've seen £11k and chanced their arm.

 

you need to get reading up about lowells and p'haps start remembering a bit more about the history of this loan..

you said you got [email protected] into that fee paying DMC

 

have you sent that SAR off to them.

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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no read post 15

 

scan up those T&C's please

full pages and CLEARLY

the little numbers around the edge will be key here

 

but make SURE you remove any account numbers AND your name and address that will be on page 1 of them somewhere.

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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