Jump to content


  • Tweets

  • Posts

    • I (and other respondents) always advise “not getting caught in a lie” it hardens their response. Why would they now believe protestations of remorse and “I won’t do it again” if they've already seen you'd lie and say it was a one-off when it wasn't..  You can try approaching the prosecutor on the day, but "I wouldn't hold my breath" …..  
    • I told them that it was an accident and that I used the oyster card as my debit card was lost. However, they did an investigation and realised it was not a one off. I have told them how remorseful I feel and how a criminal conviction would result in expulsion from my degree but they still want to take me to court. I have received the court summons letter
    • 20 million quid on just the brokering fee for a crappy deal with the UK public hocked to pay more for PPE - which was probably useless with better and cheaper per item with no 20 million quid fee - available from alibaba Stinks of corruption to me.  
    • Breaking News Biden wins Kennedy family endorsement Fifteen members of the storied Kennedy political family endorsed U.S. President Joe Biden at a Philadelphia campaign event on Thursday, with some joining him onstage, in a rebuke of Robert F. Kennedy Jr's independent bid for the White House. and 30 members in the extended Kennedy family   nytimes.com WWW.NYTIMES.COM Kennedys endorse Biden over their relative RFK Jr WWW.BBC.CO.UK Robert F Kennedy Jr is running for president as an independent - but many family members oppose him. More than a dozen Kennedy family members endorse Biden, snub RFK Jr. | CBC News WWW.CBC.CA President Joe Biden accepted endorsements from at least 15 members of the Kennedy political family during a campaign stop...  
    • Speaking of Frost and Johnson the corrupt liars' grate deal they forced through   Shortages of life saving medicines has become ‘new normal’ for UK after Brexit WWW.INDEPENDENT.CO.UK ‘The medicines supply chain is broken at every level,’ warns Dr Leyla Hannbeck   "Professor Tamara Hervey, of the City Law School, said: “There is nothing inevitable about this ‘new normal’ where Great Britain is isolated in efforts to manage fragilities in global supply of the products and people we need to run the NHS. It is the consequence of policy choices and those could be different.”     Mind you, the private sector is making hays while the NHS is burned. Private health insurance market grows by £385m in a year amid NHS crisis | Private healthcare | The Guardian WWW.THEGUARDIAN.COM Demand for private treatment booms as NHS waiting lists remain long, while more people also sign up for dental cover  
  • 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

Lowell/BW Claimform- Vanquis Card - poss SBd***Claim Dismissed***


Martyn1984
style="text-align: center;">  

Thread Locked

because no one has posted on it for the last 1895 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

Wow that’s great. Thank you.

 

When is the best time to enter this defence?

 

Also does it make any difference that Lowell haven’t responded to the CCA I sent them at the same time as I returned the PAP?

 

Many thanks again.

Link to post
Share on other sites

  • Replies 100
  • Created
  • Last Reply

Top Posters In This Topic

Top Posters In This Topic

Posted Images

great defence andy

 

thanks

 

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

Submit it when your ready...its irrelevant whether they respond to the CCA request or 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

Submit it when your ready...its irrelevant whether they respond to the CCA request or not

 

Should I give them time to respond to the CPR 31.14 request?

 

Or just put the defence in with it being a SB defence?

 

You can tell I’ve never done this before!

 

Thanks again.

Link to post
Share on other sites

Should I give them time to respond to the CPR 31.14 request?

 

Or just put the defence in with it being a SB defence?

 

You can tell I’ve never done this before!

 

Thanks again.

 

Nope as post # 53 above

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

  • 1 month later...

Hi all,

 

We put the defence in and today have received a letter from BW Legal stating their client (Lowell) intends to continue the claim and has notified the court of the same.

 

They still have never replied to the PAP letter & not replied to the CPR 31.14 request.

 

Now what?

 

Is this a case of we’ll now have to go to the court about this?

What are we meant to do with it being statute barred and them not following the PAP rules?

 

Many thanks

Link to post
Share on other sites

Nothing now...wait for your directions questionnaire N180 and complete and submit by the date stated.

 

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

usual letter they always sent.

 

and its mainly immaterial if they reply or not to CCA/CPR/PAP letters

1. you don't want them too..think about it:madgrin:

2. the debt is statute barred - nothing they can produce can ever unbar it.

3. they had 28days to do something, they haven't

the claim is now stayed? and will cost them further fees to progress it

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

If they have notified MCOL they wish to proceed...then the status on MCOL should read as allocated

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 for the replies.

 

Just an after thought as we haven’t received any information regarding this debt apart from speaking to Vanquis’s Supervisor who confirmed the date of the last payment.

 

Should I request copies of all statements so we have proof of the last payment in writing or is that for Lowell to prove?

 

Many thanks

Link to post
Share on other sites

No.......they must disclose all their evidence at the next stage........well they did state " their client (Lowell) intends to continue "...so let them.

 

Did you mean from Vanquis for your own evidence?

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

Ah yes sorry, from Vanquis.

 

 

We have no paperwork whatsoever so what evidence I can provide I’m not sure other than the copy of the PAP I sent back and the signed for tracking numbers proving they were delivered?

 

Thanks again.

Link to post
Share on other sites

Well if they would provide you with written conformation last payment...that would be useful to you when you disclose.

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

Bit late for a DSAR ...can take 40 days .....as Vanquis have confirmed verbally...thats all you need......because anything different from Lowell you know its nonsense

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

  • 2 weeks later...

hi,

 

We have received nothing further from the court and today I've logged into the MCOL website and it says "DQ Sent to you on 10/04/2018"

 

What does this mean and has something gone missing in the post?

 

What do I need to do?

 

Thanks

Link to post
Share on other sites

dq is the N180 you can download it youself from the .gov site

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

yes to mediation

1 wit you

the rest is obv

 

3 copies

one to the court

one to the claimant sols [minus email/sig/phone]

1 for your files

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

Ok thanks

 

When you say 1 for my files, as I've said previously I don't really have any files as no details have been sent to me regarding the debt. other than the telephone call confirming the final payment date and "signed for" receipts for the PAP and CCR that were not replied to, what else am i expected to have?

 

Many thanks

Link to post
Share on other sites

don't worry about your witness statement bundle at this stage.

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

  • 3 months later...

Hi.

 

My wife received a call this morning from the court mediation making an appointment for next week. They’ve sent her an email containing all the things needed for the phone call.

 

As the defence is this is statute barred what am I exactly meant to prepare for her for the mediation call?

 

Many thanks.

Link to post
Share on other sites

Ideally you shouldn't have agreed to mediation on your DQ given that the debt is statute barred.

 

I would raise the matter with the mediator that you ticked it in error and also that the claimant has made no response to PAP questionnaire and issued the claim before its 30 days had expired,

 

 

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

  • 2 months later...

Hi all,

 

Letter received from BW Legal (hopefully attached) making an offer.

 

5 pages into the Ts & C’s it has what looks like my wife’s details pasted in (the border on the page goes missing next to the details). It also shows it was signed by Vanquis nearly 2 years after it was taken out?

 

They have also provided statements which show the final payment made to the account 28th Feb 2012.

 

How do I proceed with this, ignore and wait for more court documentation?

 

Thanks as usual.

Photo .pdf

Link to post
Share on other sites

  • Recently Browsing   0 Caggers

    • No registered users viewing this page.

  • Have we helped you ...?


×
×
  • Create New...