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    • Hi again   Yes, it's been a lovely day weather wise.   Guess you've better things to do with weather like today than help with this problem, so thanks very much for your input, it's very much appreciated.   Late this afternoon I did receive a reply from the tenants, and they are asking me to go 50/50 with getting the garden sorted, not only that, as they have moved away they are expecting me to get the quotes.   Regarding you view on this issue, its so easy not to see the whole picture and my thoughts that the staining damp may be of their own doing didn't occur to me as I was so locked into the historical leak. Taking a closer look at the room in question today, I'm convinced that they are trying it on with the stained mattress- they did mail through a picture and then a receipt for supposedly the mattress. My wife and I then took both the pic and receipt to the bedding store where purchase was made to ask if the two married up, the picture does not show any emblems/manufactures logo or such to prove that this is the case, so we are none the wiser- our thoughts being that the stained mattress is from elsewhere.   A few days back I spoke to our letting agent regarding all of this, as was quite correctly mentioned there are two parts to this equation, namely the mattress and then the property.   Our agents mentioned to me that as an inventory was not carried out initially with the let, (hindsight) the pictures that were used to advertise the property could not be used as evidence to present to the TDS to be compared to the pictures now as there is no proof that the advertising pictures were in fact how the property was when the let started. I mentioned that all digital pictures have a means of finding when that pic was taken- Geo tag/Metadata- agent was quite surprised by this. The agents thoughts then went for a hide in a vacuum-   This is going off at a tangent here-many moons ago my wife studied computer science at a local University, one of her classmates who she is still in touch with is now a practising Solicitor. My wife suggested that maybe I give her a call, a bit rude I guess, but I did  phone and with the pleasantries out the way  I asked for her opinion of the best way to get this sorted. Her remit isn't landlord type stuff, however she will speak to a colleague on Monday and come back to me.   The property is due to be relet on the 21st, we will ensure that the new tenants move in to a home that is immaculate and welcoming, trouble is its getting a tadge close to get the garden issues sorted in time.   I know that all this will get closure in the end, but at the moment I've had more fun with a toothpick-   Again, many thanks.
    • The collection is currently stored at curator James Blower's home, but he has now found a space situated in an old bank premises where he hopes to exhibit them from this autumn or early next year. View the full article
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    • Thank you dx. Understood not to send for another CCA. I've had a read through note #2, my first time seeing anything like this. Thank you for bearing with my questions! When ticking box D, "I dispute this debt because"..recommended reason as advised from your thread, what reason should I use? (The truth is I do owe some money from way back, it was originally 5K, interest saw it go up to 11K (so unfair), and I paid 2K get it down to £9k (as currently owed)) in my eyes, I only owe £3K.  Id rather not pay anything as my ex-wife (who wasn't in her name) spent it! When ticking box I, "I have requested by way of a cca request the signed agreement from the debt purchaser [CC is attached to this reply form]" who is this, would this be Arrow? When I've filled in the PAP reply form, i'll send it off first thing Monday morning.  What happens then, I just wait, what happens if it goes past 12 days with the CCA, or 30 days with these documents? Many thanks  
    • Good Evening Guys and Dolls, yesterday received this email from Shoosmiths with these attachments unfortunately the court bundle is 24mb but contains statements, letters, telephone logs ...etc.  There is their bill which is ridiculous and unjustified as I responded to them in all sincerity for help and an offer thereafter that they came at me with all guns blazing. Obviously I have to go to court and defend myself which I'm very capable of and won't fold under pressure just because a dick in a suit thinks he's important and wants me to respect him. I will obviously be respectful to the judge but believe me I will give the beaks a tough time.   What do I do with this lot? Encl8 edited.pdf NOCwebbpdf-V1 edited.pdf Signedcostsschedule-V1 edited.pdf
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Lowell Claimform - old Vanquis card debt***Settled Tomlin Order***


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I had a Vanquis card up until late 2012.

I lost my job through no fault of my own and contacted them to start the repayment insurance that I was paying them for.

They didn't call it PPI, they called it something else.

I was told I could not claim.

 

I said what on earth was I paying Payment Protection Insurance for if I cannot claim on it.

I told them angrily at the time that as far as I was concerned, the matter was closed and they would not be getting another penny out of me.

 

I had the usual two dozen phone calls each day all from different numbers, but I just disconnected the phone.

In the end, they got fed up and farmed it out to several DCA's all of which I told to get lost.

 

In November last year, they sold the 'debt' to Lowell and I have had them on my back.

I said that as far as I was concerned, I was mis sold insurance and the amount was mostly made up of illegal charges and exorbitant credit fees and the matter was closed.

 

This is due to be Statute Barred in about December, but I don't think that I could hold them off that long.

 

I have heard that Lowlife now go to Court on their 'purchased' debts.

I just wonder what my next move is and would the mis selling route be the best way to do down if they do decide to go through the Courts.

 

Can anyone help? it would be much appreciated.

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No... Letter of claim is first step before claim form...

And Think you need to read up on Repayment Option Plan...

Provident have been slapped recently hard...

 

We could do with some help from you.

 

Have we helped you ...?         Please Donate button to the Consumer Action Group

 

**Fko-Filee**

Receptaculum Ignis

 

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Just searched and it was called ROP (Repayment Option Plan).

It wasn't worth the paper it was printed on as I expected it to cover any repayments whilst I was unemployed.

I was furious at the time and just told them that I was not paying the repayments as I was insured and unemployed.

As far as I was concerned, they were a bunch of crooks.

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they send a letter before the County Court form.

I will wait then until I get that.

 

I was thinking a while ago as it wasn't called PPI,

I wouldn't be able to make a claim,

however, if I can, I sure will.

I would love to get my own back on those robbers.

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go find out when your last payment was

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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They'll drop this like a hot potato when they realise it's subject to ROP.....brilliant! :thumb:

Who ever heard of someone getting a job at the Jobcentre? The unemployed are sent there as penance for their sins, not to help them find work!

 

 

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my experience with lowell/vanquis,

they passed on to solicitors,

they eventually sent court papers,

with the help of CAG ,

i filed a defence,

their solicitors told me my defence was weak and urged me to settle for a reduced some,

 

i declined and they never paid the court fee,

it was evetually struck out,

 

i received a few letters from solicitors over a few months

then a letter sthey are dropping the court claim,

 

lowell then wrote to advise they we writing the debt off, by this time it was well and truly status barred.

 

they also had a further 2 credit card debts that they purchased,

but have failed to pursue after getting nowhere with court.

.. i also had ROP and i havent gone down the claim route yet

 

hope that helps

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Thanks to everyone who has replied.

I made the last payment in September 2012 because I was made redundant at the end of that month.

 

The default notice was sometime around December 2012 because I looked at my credit history a couple of months ago when all of this kicked off again.

 

I was definitely mis sold this ROP because I was told that it would cover my payments if I lost my job.

When I tried to claim on it when I lost my job, I was told that was not possible.

I was paying for, and being charged interest on something I could not claim on and wasn't worth the paper it was printed on.

I told them that this was breach of contract and I was paying them nothing, as I was insured to cover these repayments.

 

I have received the Pre-Legal Assessment today from them, they are threatening all sorts.

 

I intend to fight Lowell every inch of the way as that amount is mainly made up of ROP, illegal charges and extortionate interest. Just wondering where do I go from here?

 

Any help and suggestions would be gratefully received.

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Then reclaim this RoP.

 

All that BS from lowlifes about 'pre-legal' is nonsense and IMO dowsn't merit a response, it's simply computer generated garbage they spit out.

 

Get that RoP reclaim in.

Who ever heard of someone getting a job at the Jobcentre? The unemployed are sent there as penance for their sins, not to help them find work!

 

 

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The only thing is that I have very little paperwork with it being almost 6 years ago.

 

Do you think I should SAR them before putting the claim in, so I have all of the written evidence.

 

However, it wouldn't surprise me that these crooks would probably put anything to do with the ROP straight through the shredder.

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Most definitely SAR them, it might be the best tenner you've spent this year?

Who ever heard of someone getting a job at the Jobcentre? The unemployed are sent there as penance for their sins, not to help them find work!

 

 

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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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It is a letter before legal action.

It was dated 15 February and they have given me up to 1 March to respond.

 

I am going to CCA Lowell and SAR Vanquis.

We’ll see what they come up with.

 

I fully intend to reclaim on this ROP because they were taking peoples eyes out with it and from what I have seen on the net, people have had quite good payouts. But before that, I want to get as much info off them before it suddenly goes “missing”!!.

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  • 4 months later...

Just to report back,

I have finally got the CCA back from them.

 

This has took nearly 3 months from when I first requested it.

They sent me the agreement (with no signature) just an online tick.

That agreement looks like it has been knocked together by an 8 year old.

 

It also could have been put together at any time by simply typing my name and the date on one of their agreements.

It looks very amateurish.

 

I was also send a ream of transactions.

If you add up all of the ROP, interest and the penalty charges, it is more than 3 times the original balance (sure that can't be legal).

 

I have started to become bombarded with letters again from Lowlife.

The last one I received yesterday was them very kindly advising me of how long it would take for the "debt" to be settled versus how much to pay.

Well I am paying £0.00 per month, I wonder how long that will take.

 

I am ignoring the threatograms, and waiting for their next move.

 

Could anyone who has had dealings with this lot please advise me the likelihood of them actually going to Court with this as I am thinking that some Judges may not take their business model too kindly and are fed up with dealing with cases brought by them.

 

Many thanks.

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scan up the CCA return to ONE multipage PDF

read upload

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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lowells are litigious,

they hope you cave in,

they push it to the last minute and if no prospect discontinue before they loose their money/fees,

 

they hope for an unopposed case to up their accounting books figures.

 

other threads and you will see how they operate.

:mad2::-x:jaw::sad:
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dx100uk - I don't have a printer scanner, but I am looking taking pictures on my phone and doing it that way. I will find a suitable app to do it and scan them up asap.

 

Old Cogger - Just had a look though a few threads both here and elsewhere. You are so correct, they do try it on don't they and when it becomes serious, suddenly back down. It's a case of who cracks first. I don't have any intention of backing down due to a) being conned by Vanquis in the first place and b) standing up to repugnant bullying vermin such as Lowell.

 

If they want a fight, they can jolly well have one. I'll have my day in Court if it is their desire.

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  • Andyorch changed the title to Lowell Claimform - old Vanquis card debt***Settled Tomlin Order***
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