Jump to content


  • Tweets

  • Posts

    • Includes eligibility, appeals, tax credits and Universal Credit View the full article
    • Public backs debt enforcement to support vital public services - survey | CIVEA View the full article
    • Hi   Fire Protection isn't just for cladding fire proofing doors etc it also includes Annual Fire Inspections which all add to costs.   Water Charge for the communal boiler fault managed by SSE It would depend how your housing association has setup the contract with SSE. (sounds as if you have a Combined Heat and Power system (CHP)) if this is the case my own Housing Association also has this its the largest CHP in the UK still and it is run and managed by SSE right down to they repair faults at their cost not the tenants its how the contract was setup). As said it would depend on how your HA setup the contract with SSE.   If it is a CHP system and the fault as you have describe these are not cheap to repair/get a replacement parts. (my own HA CHP covers thousands of properties and has three boilers two are constantly used the third is and emergency backup/used if maintenance on others required.)   If all tenants are being charged this £200-£300 have the HA added this as a Service Charge as part of your Rent Statement?   I am a HA Tenant and if I had this as a HA Tenant myself I certainly would be challenging it with the HA as such costs should have been budgeted for in the HA Budget Plan.   Do you have a Tenants Committee/Registered Tenants Organisation (RTO) if so as well as complaint to the HA I would also inform them of this   With your letter Make sure and Title it 'Formal Complaint' this way they have to log it as a complaint which in turn in turn must be added to the HA return to the Regulator.   Only if you consider getting together with other tenants as a Group to complain about this the best advice I will give you is always complain individual as well as a Group. (note: why you ask well individually as stated they have to log all those complaints but as a Group its only one complaint logged the Group one)
    • ukcps just a typo martin.   you don't really have to really worry   just sit tight and await to see if they issue a letter of claim or action.   the landlord will have copies of everything if the renters didn't fwd it on as they should do.
    • I'm not 100% upto speed with the latest PAP but my understanding is i have 30 days to reply to the LoC.   I have asked for an up to date statement as i havent had one in well over 12 months and i was playing with them a bit, so i might wait a week for that to arrive so i have it in black and white before firing off the SB, it will be sent anyway but would like to see all my ducks in a row first if i can before pulling the trigger.
  • Our picks

    • @curryspcworld @TeamKnowhowUK - Samsung 75 8K TV - completely broken by Currys. https://www.consumeractiongroup.co.uk/topic/426151-samsung-75-8k-tv-completely-broken-by-currys/&do=findComment&comment=5069075
      • 4 replies
    • @skinnyfoodco Skinny Foods. https://www.consumeractiongroup.co.uk/topic/426130-skinny-foods/&do=findComment&comment=5068996
      • 8 replies
    • I’m in desperate need of help
       
      I bought some clothes online in may through Evans and paid through PayPal
      returned them all seven days later
       
      I waited the 14days for my refund and no refund came
      I put in a dispute through PayPal but I didn’t get any emails to escalate the case - PayPal closed it. 
      evans said they couldn’t refund the money because PayPal have cancelled the refund because of the open dispute
       
      I contacted PayPal
      they said the dispute had been closed but Evans at no point had attempted a refund.
      fast forward to today
       
      I’ve got copies of numerous messages sent to and from twitter messages as it’s the only way I can contact them
      I’ve also contacted their customer service too
      all I get is PayPal have cancelled refund because dispute is still open.
       
      I have proved that the dispute is closed
      I have got an email saying that if Evans sent the refund they would accept it
      but up until the date I got the email they have not once attempted a refund .
       
       I have sent them a letter before court email
      I have even offered to have the full refund as a gift card just to get this sorted !
       
      I’m literally at the end of my tether and don’t know where to turn next !
       
      i suffer with mental health issues and this is affecting my health and I’d saved the money for a year to buy these clothes as I’m on a low income .
    • In desperate need of help. https://www.consumeractiongroup.co.uk/topic/425244-in-desperate-need-of-help/&do=findComment&comment=5067040
      • 29 replies

Lowell Claim form, old Vanquis debt


Recommended Posts

you cant.

I would ring the court on tuesday and demand to know WHY they allowed the claimant to change your address when MCOL had it correct.

so you didn't receive the N180 N157 etc etc.

its their fault as well IMHO.

ask them what they are going to do about it as the claimant also had 2 letters addressed to them with your CORRECT address well before they changed it and they appear to have done this on purpose.

 

dx

 

 

 

please don't hit Quote...just type we know what we said earlier..

 

if everyone stopped blindly paying DCA's tomorrow

the biggest financial industry in the UK, DCA;s -  would collapse overnight.

 

DCA's view debtors as suckers, marks and mugs - that's why they will never tell you they are not bailiffs and have absolutely zero legal powers on any debt.

 

 

Link to post
Share on other sites

I’ve spoken to the court and they just confirmed that Lowell had changed the address, and that they didn’t know any more than that. The person I spoke to last week was really helpful, and he was really confused as to the situation. This time, she wasn’t so helpful and just agreed it had been done but that I’d have to ask Lowell why..

 

im really stuck now though on the best way to proceed and what defence I can use to go alongside for set aside. Also, can I use the fact they’ve done this as my reason to set aside the judgement. I’ve read about loads of people getting it set aside when it’s gone to a different address, but I can’t find anything close to my situation.

 

also, there must be somewhere I can complain to that they’ve done this. I know they’ll claim an admin error, but I can’t see how, under the circumstances they could ever actually get away with it! It was clear when I spoke to them that it’s not too unusual and they were counting on me either not knowing about being able to apply to have it set aside, or not being able to afford it

  • Thanks 1
Link to post
Share on other sites

I think it might be best to just go with the facts we know then.

 

reason to set aside ...following the issuance of a claimform, the claimant changed my address back to an old one and I received no further court communication after my acknowledgement and defence filing. Thus they attaining a default judgement.

 

Defence.. i registered via MCOL, my acknowledgement and defence filing was accepted. The claimant then changed my correspondence address despite receiving 2 important documents [ a CCA request and a CRP 31:14 request] sent to them prior to their change.

 

This denied me the opportunity of filing a witness statement and they attained a default judgement.

 

The claimant has also failed to date to respond to either request and I am devoid of any paperwork they might hold at all regarding the truthfullness of their claim.

  • Thanks 1

please don't hit Quote...just type we know what we said earlier..

 

if everyone stopped blindly paying DCA's tomorrow

the biggest financial industry in the UK, DCA;s -  would collapse overnight.

 

DCA's view debtors as suckers, marks and mugs - that's why they will never tell you they are not bailiffs and have absolutely zero legal powers on any debt.

 

 

Link to post
Share on other sites

Thank you, that’s really helpful, I will look at sorting this today.

 

can I request that they refund the set aside fee? It seems unfair that they can do this and then I have to pay to get it stopped.

Link to post
Share on other sites

ask at the hearing if one happens

please don't hit Quote...just type we know what we said earlier..

 

if everyone stopped blindly paying DCA's tomorrow

the biggest financial industry in the UK, DCA;s -  would collapse overnight.

 

DCA's view debtors as suckers, marks and mugs - that's why they will never tell you they are not bailiffs and have absolutely zero legal powers on any debt.

 

 

Link to post
Share on other sites
  • 1 month later...

Can anyone help me please?

I didn’t apply for the set aside as some urgent bills came in that I wasn’t expecting so couldn’t pay the fee then, am I still ok to apply for this to be set aside? 

 

I’m still confused over what I need to put in the application as well, the defence that I need.

I understand the basics of it, but not sure how to lay it all out and how to word it if that makes sense?

Link to post
Share on other sites

post 29

 

please don't hit Quote...just type we know what we said earlier..

 

if everyone stopped blindly paying DCA's tomorrow

the biggest financial industry in the UK, DCA;s -  would collapse overnight.

 

DCA's view debtors as suckers, marks and mugs - that's why they will never tell you they are not bailiffs and have absolutely zero legal powers on any debt.

 

 

Link to post
Share on other sites

Thank you.

Can I lay it out just like that?

Do I need to add much more bulk to it?

 

also, I’ve just been told I’m too late to apply for a set aside, it’s been about 6 weeks since I found out about it all, is that too long?

 

sorry for all the questions, I’m so stressed about this, and I’m also pretty clueless, but I do appreciate your help

Link to post
Share on other sites

rubbish who told you its too late?

we've had set aside +4yrs after the event.

please don't hit Quote...just type we know what we said earlier..

 

if everyone stopped blindly paying DCA's tomorrow

the biggest financial industry in the UK, DCA;s -  would collapse overnight.

 

DCA's view debtors as suckers, marks and mugs - that's why they will never tell you they are not bailiffs and have absolutely zero legal powers on any debt.

 

 

Link to post
Share on other sites
  • 1 year later...

how did this go?

 

please don't hit Quote...just type we know what we said earlier..

 

if everyone stopped blindly paying DCA's tomorrow

the biggest financial industry in the UK, DCA;s -  would collapse overnight.

 

DCA's view debtors as suckers, marks and mugs - that's why they will never tell you they are not bailiffs and have absolutely zero legal powers on any debt.

 

 

Link to post
Share on other sites
  • 1 month later...

Sorry, I know this is from ages ago, I've only just seen this. 

 

It didn't.

I had a lot of other stuff going on at the time, and was then advised by my union to go for a DRO.

I decided it was a good idea, went through all of the preliminary stuff, had it all agreed in principle, but then couldn't get an appointment with the main DRO man, apparently they only had the one, who could process it.

He'd looked and agreed, but it never got as far as him.

 

I also phoned CAB but they said they could offer no appointments for it at that time as they were so busy.

In the meantime I was advised to start paying the CCJ before they tried to get bailiffs involved, so I did.

 

And now I'm paying them a nominal monthly fee for probably the rest of eternity.

I'm really annoyed with myself, but if I was to take it back to court now and lose, then that's another 18 months of having the CCJ on my credit file.

 

And now I'm paying it, I'm pretty sure I cant anyway? 

Link to post
Share on other sites

it there for 6yrs regardless

if you win it gets removed

if you lose

it doesn't change it time showing.

 

please don't hit Quote...just type we know what we said earlier..

 

if everyone stopped blindly paying DCA's tomorrow

the biggest financial industry in the UK, DCA;s -  would collapse overnight.

 

DCA's view debtors as suckers, marks and mugs - that's why they will never tell you they are not bailiffs and have absolutely zero legal powers on any debt.

 

 

Link to post
Share on other sites

Oh, I thought if I managed to get it set aside, and then i lost, I thought the date would then be from the date of the new case if that makes sense?

Link to post
Share on other sites

yes correct, if you win the set aside but then lose the reset (IF IF there is one!) then yes a new 6yrs.

i was more thinking if you lose the set aside, it wont reset .

 

please don't hit Quote...just type we know what we said earlier..

 

if everyone stopped blindly paying DCA's tomorrow

the biggest financial industry in the UK, DCA;s -  would collapse overnight.

 

DCA's view debtors as suckers, marks and mugs - that's why they will never tell you they are not bailiffs and have absolutely zero legal powers on any debt.

 

 

Link to post
Share on other sites

Create an account or sign in to comment

You need to be a member in order to leave a comment

Create an account

Sign up for a new account in our community. It's easy!

Register a new account

Sign in

Already have an account? Sign in here.

Sign In Now
  • Recently Browsing   0 Caggers

    No registered users viewing this page.


  • Have we helped you ...?


×
×
  • Create New...