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    • Ho @honeybee13,     Re the account number...Phew! Thank you for that...I'm normally pretty careful in redacting stuff but, did post this very late last night and then started working on...redacting some documents 🙄......in the early hours of the morning when I couldn't sleep, which was in preparation for bringing you up to speed with everything.   Re your question: that's what spurred me on to finally join the site: npower have been in so many breaches over the years, it's mind numbing. One of their latest series of breaches even involves the Ombudsman sanctioning those breaches 👿 Here's what he said about this:-   "The other aspect is in relation to the deadlock letter. You are unhappy that this was sent to your nephew, Mr Sxxxx, but addressed to you. I did seek clarification from npower regarding this and they confirmed what I suspected. Because Mr Sxxxx has been assisting you with your complaint and is a named representative on your npower account, as he is on your account with us, npower state that he had requested information from them, including a deadlock letter. npower therefore sent the deadlock letter to Mr Sxxxx but because the deadlock letter is about your account, the deadlock letter was addressed to you. This is a reasonable explanation from npower, and I do not class this as a breach of GDPR because npower has not shared your personal data with anyone they were not meant to."    
    • Thanks, I have only raised it the once and just took the chance to ask if he'd spoken to the chap and once done, fully intended to thanks both. No, I don't want all the hassle, saying I'd pull my big girl pants up and listen to advice given on here. It was he who began to shout at me so I tried to stand my ground. I know these things can get out of hand. What happens if I need work on the panel in future and for workmen to be at that height interrupts their signal? This isn't a hypothetical question as I've had to have remedial work done in 2015, two years after install with scaffolding up to the roof line?  I really dont want grief again at a later date. Thanks for the reply. It's appreciated.
    • That's certainly an avenue worth exploring. It's a shame when somebody's driving record suffers because of what is essentially an "administrative" offence. Unfortunately there's no difference in the penalty between what happened here and somebody tanking it at 120 on the M1 simply declining to name the driver in order to avoid the (almost inevitable) ban for that offence.   As well as that he may be asked whether he has any unspent convictions in (say) the past five years and whatever the position with his licence he must answer "yes" to that. Whilst penalty points become spent when they cease to have an effect (i.e. after three years) the accompanying endorsement is not spent until five years have elapsed. The problem I think the OP may face is that it is often the employer's insurers who set the conditions and they may not be easily swayed.
    • Would it be an option to appeal to the company looking to employ you, explaining the situation (why you have points on your licence) and highlighting that the index offence wasn’t committed by you, and now you are more aware of the need for company policies tracking drivers, to protect the other company staff?
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ketas44

Backdoor Lowells CCJ - Creation Finance Debt

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Hello,

 

Have been reading the threads on here for a while as my girlfriend has received a CCJ from Lowell Solicitors about an outstanding debt from Creation Consumer Finance.

 

The last payment on that debt was 1 Oct 2010 the CCJ was issued as I found out from the Trust Registry 6/10/2015

 

I have tried to get a CCA but that ship has already sailed as it's a CCJ.

 

The debt is for 738£ and she doesn't know what it's for.

 

At the time of the court, she was already living with me but I'm not aware of any letters or summons to court.

we moved to a house that I bought at the start of 2017.

 

At the time of the debt 2010-ish, she was with her former boyfriend and they had a mortgage, but that didn't go to plan and they split up and lost the house, her ex-boyfriend said he will take care of it, that is all she knows about the matter.

 

She is foreign and has a limited knowledge of English but she is really worried about the bailiffs coming to my property and doing what they do.

As I have learned quite a bit from this forum already, what would be the best course of action for her?

Edited by Andyorch
Paras

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I wouldn't worry about bailiffs

its a consumer debt there is NO right of entry forced or otherwise

so simply ignore them. and come back here if any do turn up.

 

pers id not be kicking pram wheels if lowlife or anyone has not been writing.

 

creation finance mainly did high street goods finance

 

https://www.consumeractiongroup.co.uk/forum/forumdisplay.php?340-Creation-Finance

 

Thread title amended.

Edited by Andyorch
Thread title amended added

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She thought it could have been for something like a washing machine.

Still would be great if I could deter them from having their visit though it has been nearly 3 years from the CCJ and 8 from the debt.

 

Thank you for the link will have to read up on them.

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you would get a notification letter first I expect.

 

please forget about it...

 

they cannot force entry.


PLEASE DONT HIT QUOTE IF THE LAST POST IS THE ONE YOU ARE REPLYING TOO.

MAKES A THREAD TWICE AS LONG TO SCROLL THROUGH!

please do not post jpg images directly to a topic..USE PDF ....READ UPLOAD.

 

WE CAN'T GIVE ADVICE BY PM - IF YOU SEND ME A LINK TO YOUR THREAD - I WILL BE HAPPY TO OFFER HELP THERE

Single Premium PPI Q&A Read Here

Reclaim mis-sold PPI Read Here

Reclaim Bank Account, Loan & Credit Card Charges Read Here

The CAG Interest Tutorial Read Here

spreadsheets 

 

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