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    • I'm not sure we were on standard tariffs - I've uploaded as many proofs as I can for the ombudsman - ovo called last night uping the compensation to 100 from 50 pounds for the slip in customer service however they won't acknowledge the the problem them not acknowledging a fault has caused nor are they willing to remedy anything as they won't accept the meter or formula was wrong.   I'd appreciate more details on the economy 7 approach and I'll update the ombudsman with any information you can share. 
    • To re-iterate and highlight my urgent question on this one: The N24 from the court did not include any instructions to submit paperwork 28 days before the date, unlike the N157 received for other smaller claims. Do I have to submit a WS for this court date? Link has!...
    • No, reading the guidance online it says to wait for a letter from the court. Should I wait or submit the directions? BTW, I assume that the directions are a longer version of the particular of claim accompanied by evidence, correct?
    • Thanks for opening, it's been another rough year for my family and I've procastinated a little.. Due to the age of my defaults on this and other accounts (circa 2021), I really need to avoid a CCJ as that will be another 6 years of credit issues. Mediation failed as I played the 'not enough info to make a decision' however during the call for some reason they did offer settlement at 80%, I refused. this has been allocated to small claims track, court date is June 3 and I've received their WS. I'm starting on my WS. They do appear to have provided everything required of them (even if docs could be reconstructions). Not really sure what my argument is anymore but I do want to attend court and see this through. Should a judgement be made against me then I will clear the balance within 30 days and have the CCJ removed - this is still possible isn't it? I'm going to be reading up today and tomorrow and hope you can provide me some guidance in the meantime. Wonder what your advice would be given the documents they have provided? I am now in a position to clear the debt either by lump sum or a few large installments - Is this something i should look into at this late stage? Thanks as always in advance
    • I have now received my SAR. It includes a great deal of information! Is there a time limit on how long account information is kept and/or can be provided to debtors? I have received many account statements which were not previously sent to me. I remember that the creditor should provide explanations of any acronyms and abbreviations that maybe used in the documents. Is this still the case? Also what, if any, are the regulations in regard to adding fees to a debt? Can fees be added to a debt after the court has approved a charge on a property. Perhaps due to the numerous owners of the debt, many payments I made were not properly recorded on the account, some were entered over a year after the payment was made! Following the Legal Charge, I paid every month until my payments were refused. I am trying to compute the over payments, but the addition of fees etc. is confusing me. Any comments and/or help would be appreciated.
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Lowell/BW Claimform - IsMe CAT Debt - taken out by EX in my name ***Claim Discontinued***


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Okay here is the important part.

 

On Monday you must ring your Local County Court and ask if they are in receipt of either A Notice of Discontinuance N157 or an application from the claimant asking the claim to be stayed or if any notes have been put on the system to halt this claim.

 

If not come back here and we will go through the Notice of Allocation ...in the meantime read the Notice of Allocation and look at the directions...what date must you submit your witness statement and send documents before the forth coming hearing date?

 

Regards

 

Andy

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Defence...you mean witness statement..you have already submitted a defence to get to this stage ?

 

You dont submit a defence after you have submitted your DQ?

 

Yes you can email them

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Sent you a PM

 

In your email state your claim number as subject

 

Ask if they are in receipt of either A Notice of Discontinuance N157 or an application from the claimant asking the claim to be stayed or if any notes have been put on the system to halt this claim.

We could do with some help from you.

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Good news peeps!

I received an email from the nice lady from Lowell today, and she said that BW Legal have confirmed that I had requested mediation on the defence questionnaire and that they would always agree to mediation also. However the mediation team are part of the court and they have no control over whether contact is made.

she is sorry if I didn’t receive any contact regarding mediation and for any distress this may have caused.

 

So after reviewing all of the information available to her and after taking into account my situation as I described to her during our conversation on 11 April , She has made the decision to bring the account back from BW Legal and cease all recovery action.

 

Once the account is returned to Lowell, she will arrange for this to be closed and the default removed from my credit file.

 

So it’s turned out much better than I expected or could of hoped for.

It just goes to show they can be understanding and compassionate in the type of situations that I was in.

I can now continue my life without this hanging over me and stressing me out anymore.

Edited by dx100uk
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And what did the court say ?

 

Have they heard from the " Nice lady " ? Notice of Discontinuance or application to stay the claim ?

 

Makes no difference bringing the account back from BW Legal and cease all recovery action...they have to contact the court to stop it.

 

Andy

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well done!!

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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Glad they have seen sense, of course they know that after May 18th GDPR comes in, and if you are a victim of a fraudulent action and they pursue you for a debt that isn't yours for whatever reason, and it can be proved they will get a big comeuppance via GDPR.

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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!

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I emailed the court but haven’t had a reply yet, she did say they will cease all recovery action, so I’ll just have to wait to hear back from the court.

 

Ceasing recovery action is completely different to stopping a court claim.....only BW Legal can initiate that.

 

Hope they have for your sake...but we have a lot of experience with Lowell/BW Legal and promises over the years.

 

Update your thread as soon as you hear from the court...forget Lowell/BW

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Ceasing recovery action is completely different to stopping a court claim.....only BW Legal can initiate that.

 

Hope they have for your sake...but we have a lot of experience with Lowell/BW Legal and promises over the years.

 

Update your thread as soon as you hear from the court...forget Lowell/BW

Absolutely Lowell and BW legal cannot be trusted.

We could do with some help from you.

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I don't disagree with any of the cautious approaches being urged here - but I suppose I'm going to stick my neck out. I contacted Lowell by means of an email and explained the situation and pointed them to this thread. I explained to them that we might have a situation here where somebody was a victim of an abusive relationship. I'm no particular fan of Lowell but I have to say that I was impressed that I received three emails from three separate people and at high level and a promise to escalate it as soon as the OP made contact.

 

You may be interested to know that I specifically suggested that in the circumstances the contact with the OP be made by a woman and this is exactly what happened.

 

It looks as if the matter progressed very rapidly after that and I think that any decision which has been made has been made on the basis of the abuse situation which existed and which may have moved Lowell to exercise some discretion.

 

Maybe Lowell merely wants to appear to be right-thinking in these things – but I don't see any problem with that. If these companies do at least adjust their positions so that they start to realise that in some circumstances debts may have been incurred as a result of coercive control within relationships, then this can only be a good thing.

 

If an industry is interested in starting to try and clean up its reputation – then I'm all for it.

 

Now shoot me!

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I feel they did exactly that BF, I think your intervening may of changed their ways of dealing with certain cases, which can only be a good thing so your actions are fully justified in my eyes! If it weren’t for what you did I’d still be facing the same situation, so thank you.

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Let's hope they don't forget to stop any ongoing court action, if they don't and mousey ends up with a default CCJ they have seriously underestimated the potential impact on themselves of annoying Bankfodder.

We could do with some help from you.

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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!

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Well done. I am going to close this thread

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So today I received a letter from BW which is a notice of discontinuance, a copy of which has also been sent to the court. So I’m hoping that is it finished with now.

 

:-) Now it is finished.

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