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Lowell Claimform - Argos Card debt


Andy01424
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Ok first of hi to CAG again,been looking and passing site on to theres with problems for advice,anyway new problem ,well advice really.....

 

Back in 2012 had a argos card,

everything fine until one month forgot to make a payment,

 

hounded by relentless calls

but continued paying

until noticed that the £12 charged levied for the miss payment [which i do not dispute my fault]

a new one was being added for the next 2 months,

along with 4 calls a day,

 

i called them told them to stop the calls as was still paying above the min amount,

to be told until i made a dual payment then they could continue to charge,

 

when next bill arrived i refused to pay,

 

5 yrs later being sent to every DCA even Lowell Portfolio,

 

Lowell Solicitors now decided Court action, amazing during those yrs ask to be taken to Court Numerous times to settle this.

 

last yr out of the blue letter from Argos saying £36 put on account was wrong and debt re adjusted, just before Christmas suprise ?

 

Lowell take Court action

filled all the forms sent to the Court explaining etc etc,

in end opted for mediation,

 

i owed originally £168,

 

in hindsight should have just paid that and told em to run for the charges,

 

when they finally passed the debt it stood at £232,

now stands at £475! which i dispute.

 

and will happily pay the £168 i owed Argos fault not mine.

 

thats the story now while i await the Mediation date Lowells keep calling,

 

A should i speak to them or should be or

B no till mediation date,

 

Lowell already been warned and got 7 day extension by Judge for not filling and sending forms in with threat of defualting judgement against them

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I block of text spaced out to try and understand the story.

 

so you've gone thru mediation then

as the judge has already told them off for something?

 

 

where are you now at please ?

Edited by Andyorch
edited

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 thanks DX,

 

whilst i dont dispute the debt ,

it was basics of it,

as for block text try doing it on a mobile like that was ,now on laptop!

 

Lowell warned for not completeing mediation forms on time,Judge gave them extra 7 days,with threat of striking claim out

 

Advice looking for

should Lowells be calling while waiting for mediation hearing date is answer i am looking for,

 

looked on net could not find answer,

 

hence why post

Edited by Andyorch
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you shouldn't be entering into any phone comms with anyone

only directly with the mediation team.

let lowells ring ignore them.

 

so did you send CCA/CPR requests?

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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  • 2 weeks later...

Sorry for Late reply

 

Dx yes i have,

also sent last week to the Courts Argos statements,

showing continued added Charge

plus proof still paying ,

 

one thing did notice was name Lowells Portfolio 1,

letters i had from them 4 yrs ago did not have the number 1,just Lowell Portfolio....

 

What i did find interesting though,

was Fredrickson also sent me letters etc,

yet found out today they are part of Lowell group,

 

so wonder how many times it has been past and bumped up between them

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same lot same printer - all the Lowell group

just done to make you think its escalating up some imaginary chain.

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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  • 1 month later...

Update.....

 

Sent CCA request on 14th feb got nothing back so far [got proof of postage],

 

Mediation never heard from them,

 

Received letter saying Case will be heard at local Court, but will be struck unless Court Fee is paid by 19th of March, which i find weird thought that to start ball rolling ,they would have had to pay the fee upfront before any Court got involved

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And dont forget the rest of what the Notice of Allocation states with regards to Directions that you and the claimant must comply with by the dates stated...prepare a witness statement and standard disclosure...otherwise your defence will be struck out.

 

Andy

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