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    • Thanks dx for your kind words. I plan to renew my season ticket and write a new begging letter as following, can I ask for any suggestion about it?   Dear Investigator/Prosecutor,   Thank you for your reply. I deeply regret my actions and the inconvenience they have caused.   I’m extremely remorseful for my crime. and regret it everyday. I often ask myself ‘’how can I do that thing just because I felt it is interesting. There are a lot of crimes in the world, but feeling it’s interesting is certainly not a reason to crime. I should not crime with any reason.’’ I think about these things every day, and I understand that I can’t blame anyone but myself.   I thanks to the staff who stopped me, as this is a valuable lesson in my life. I told myself that I should never ever repeat such a thing again, and never ever do anything which is possible to be in breach of any law. As a result, I carefully tap my oyster card every time before I enter the station now. I remind myself that I did a wrong thing before, and I should never let it happen again.   Although my monthly travel expenses do not warrant a season ticket, but I just renew my season ticket (please see the attachment). I understand that a crime cannot be truly compensated for, but purchasing a season ticket offers me a small measure of comfort, knowing that my actions caused a loss to the public interest.   I received an email which ask me to negotiate being class teacher in this summer (please see the attachment). I hope that I could teach the lovely students again, which may not be allowed with a criminal record. I would please ask that you would please provide me a single opportunity to settle all outstanding sums owed outside of court without the need for legal proceedings which would have a determinantal impact on my teaching career.   I sincerely apologise again for my crime. If you need anything further from me to help you please let me know.    Yours sincerely,
    • You did what??? You asked them to send you the documents that without them you had  a 100% ironclad win in Court. Why on earth would you do that? As it happens in this case, there is still enough mistakes in their PCNs and the NTH to have your case cancelled. Amd it may be that not sending those documents in the first place along with the ICO complaint and the letters from Alliance themselves which would confirm by the dates on the letters may be enough to cancel it anyway. I hope you have kept their letters as evidence? The chances are that Alliance will not actually take you to Court because of their errors but you never know.  You have made so much extra work for yourself in your WS if they decide to push their luck.though. Can you please post up their letter where they give the reason why I wasn't sent with the NTH.
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    • I live in a student house, with 5 tenants, unihomes is our utilities provider, who we each have a direct debit set up with and have paid each bill every month. Two letters were sent in my name by BWLegal saying I had two outstanding payments due adding up to over £3500, I have tried to contact british gas (as that is apparently our houses provider) as well as Unihomes. Nothing has helped and BWlegal are pursuing legal action if these debts are not resolved by the 1st May. What do I do? I've called Bwlegal when i bring up that the debt isnt for me and for unihomes they hang up on me. so I am stressed and do not know what to do
    • cant do either if its not in a public place or on your land. dx  
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LOWELL claim form - old provident doorstep loan poss SB'd ***Claim Discontinued***


Nibbles83
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Thanks

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this might help

 

don't worry about mcol for now

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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Thanks dx100uk ,

 

its muchly appreciated , and thank you for the help .

im also sorry that i keep asking for help .... my fibro is off and pain limits are through the roof .

 

Nibbles .

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post 104 is the one to use but ofcourse adapt to you circs.

 

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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  • 2 weeks later...

hello guys ,

dx100uk thank you for the link above i will give it a read through and sorry for the late reply .

i haven't been around much due to having a heart attack just over a week ago . so i do have a lot to deal with at the moment .

im still awaiting the court date to come through its only been 4 weeks since they transferred it im guessing it should/ could be some time soon .

i have noticed though that the above debt is no longer on my credit file ...... 🤔

i do hope everyone is well

Nibbles .

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sorry to hear that nibbles

take it easy

this is the least of your worries.

 

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...

Hello Guys,

do hope you all are well ?

had a letter from the court today ive attached it for you to see.

one is assuming that at this moment i don't have to do anything ?

does anyone know what will happen next ?

tho i think lowell is still going with the "its not SB" crap.

i also doubled checked my credit report & yes the default isnt on  there now . not sure if its dropped off or they have removed it .

I have made a start on my witness statement , hoping to try & get it done & finished but just so tired & out of it on my med as of late, so its been a bit tricky trying to get it done ready .

am I  right in thinking my witness statement is just straight forward with it being SB or do you think i need to add anything ?

i do apologise guys if i have or do repeat myself just since the heart attack everything is still fuzzy & finding it hard to concentrate .

 

Thanks Guys

Nibbles

 

 

 

 

2019-05-15 Court GFoJo lowell shall reply to defence by 2019-06-07.pdf

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See if they comply by the 7th June...if not check with the court and inform them same.

 

Andy

  • Like 1

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Hello Andy,

today i have received their reply to my SB defence .

at present i am a little upset and in pain and very tearful & exhausted.

i did start my witness statement but now im not so sure as i was going with a straight forward SB statement . but now my guessing is i have to rebut all their claim. ?

which as of now i dont think i can do . im no good with this sort of thing and to be truthful im struggling with it . even though i have looked at others that have been linked here to help me , i just dont seem to be registering it . 😧😧

again they say the OC let the time of the agreement run its full term before acting upon it, therefore no default noticed was issued . tho i found my default notice thats a lie.

( or am i reading it wrong )

now that they have complied with the court what happens next ?

im trying to stay stress free because of my heart but these guys aint making it easy at all . i feel im losing my fighting spirit maybe because of everything that has happened over the last 4 weeks .

I've added the pdf for you to see and ill add the start of my witness statement to to see if im going in the right direction .

i just wanted to say also that i do really appreciate all the replies from you and dx100uk it hasnt gone un noticed.

Thanks Heaps Nibbles .

 

 

WITNESS STATEMENT  


Re: LOWELL PORTFOLIO LTD  v XXXXXXXXX Case No:XXXXXXXX
REF:XXXXXXXX

 

I XXXXXXXXXR write the following statement in regards to :
The case / claim no: XXXXXXXX /XXXXXXXX


My first understanding  of the case : XXXXXXXX Was when i received the claim forms from NORTHAMPTON COUNTY COURT BUSINESS CENTER .
My understanding of the case is that LOWELL PORTFOLIO LTD Have brought this case via their solicitors, for the amount of £5073.16 the said amount also includes solicitors fees.


MY WITNESS STATEMENT :
The Claimant has not complied with paragraph 3 of the PAPDC (Pre Action Protocol) Failed to serve a letter of claim pre claim pursuant to PAPDC changes of the 1st October 2017.It is respectfully requested that the court take this into consideration pursuant to 7.1 PAPDC.


The Claimant's claim was issued on 05/03/2019


The Defendant contends that the Claimant's claim so issued is a claim in contract and is statute barred pursuant to the provisions of section 5 of the limitation act 1980.
If, which is denied, the claimant contends that the Defendant is in breach of the alleged contract, in excess of 6 years have elapsed since the date on which any cause of action for breach accrued for the benefit of the Claimant.


The Claimant's claim to be entitled to payment of £5073.16  or any other sum, or relief of any kind is denied.


Last payment made on the orginal account ( provident ) was 18/12/2012.
Default notice ON  orginal account was then entered on the 01/03/2013


since it is more then 6 years ago,  it is my understanding that the alleged debt has now become STATUE BARRED.


information from the county court claim is that lowell brought the account from provident on 29/08/2014, & notice given to the defendant.


that being said i have no knowledge of this nor have i had contact or have i had any acknowledgement of this claim .


On the 9th/03/2019 i sent a "cpr 31" request to lowell solicitors to disclose a verified and legible copy of each of the following :

 

  • the agreement.
  • notice of assignment.
  • the default notice.
  • statement of account .

 

the letter was signed for on the 15/03/2019 time : 09:06am .


lowell solicitors are still today yet to respond to said request.


on the 09/03/2019 a CCA request was sent to LOWELL PORTFOLIO LTD, this request was signed for on the 15/03/2019 time : 07:14 am by LOWELL .


I then received a response from Lowell solicitors regarding the CCA with a photo copy of an alleged agreement with no terms & conditions .


I have requested them several times since the first request with a non response.

THIS is as far as ive gotten with the witness statement .

Thanks Nibbles .

 

2019-05-29 Lowell Sols - reply to Defence Statement.pdf

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usual meaningless twaddle WS they sent out for SB defence claims

almost word for word like the others here.

you say you now have the DN?

so what date was it issues on

and what date did they give you to rectify the error by?

 

 

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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ISSUE DATE of claimform - 05/03/2019

DN rectification date - 17-03-2013

 

SO if Lowell want to be clever that's [just] within 6yrs

if we even wish to pay attention to a recent appeals court ruling that doesn't appear to have effected any court claim to date.

and

ofcourse there is always the fact that the OC might not have issued the DN in a timely manner in the 1st place.

 

when was the last payment save me looking?
 

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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Share on other sites

hey dx100uk

 

last payment was 18/12/2012 .

 

also this debt is no longer on my credit file .

i have print outs of it on the 09/03/2019 it was on there and when i checked again on the 17/05/2019 its gone .

 

so has it dropped off or has it been removed ?

 

also they seem to think a DN wasnt issued and the OC waited till the agreement ran its full length or am i reading it wrong in their response?

 

Thanks nibbles

 

 

 

Edited by Nibbles83
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17th March 2013 is the cause of action...the date the DN expires

 

Last payment 18th Dec 2012....6 years 6 months.

 

According to their statement it will not be statute barred until 21st Nov 2020...so 3rd Oct 2013 ...mmm thats 6 years 11 months ?

We could do with some help from you.

PLEASE HELP US TO KEEP THIS SITE RUNNING EVERY POUND DONATED WILL HELP US TO KEEP HELPING OTHER

 

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hello Andy ,

 

im so confused to how or what they seem to think

 

but my understand is this from their letters :::

the OC let the agreement run its full terms at 110weeks before acting upon it

 

Lowells are saying as NO DN was issued and provident let it run the term of the agreement that would be 21 nov 2014 which is why lowells are saying it doesnt become SB until 21/11/2020.

 

now how can provident let it run its term when they sold it to Lowells on 28/08/2014 .

 

am i missing something here or not as im just as confused as you guys .

 

Nibbles

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simple ans ..lowells are lying to confuse the judge with legal twaddle

 

the debt is clearly statute barred 

 

.mmm thats 6 years 11 months ?

 

 

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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Share on other sites

Hey guys thanks for replying ,

haven't had a cigarette since my heart attack 27 days and counting but these lot are really trying my nerves for it :(!!

i am right its SB ?

only took them 11 weeks to reply to my SB defence and they only did because my local court told them to !!

how are they allowed to get away with this stuff ?

i got a feeling that with their lies they will win !! 🙄😒

Andy is their any possible chance you could help me with my witness statement or reply to their response at rebutting their claims ??

but if you haven't the time i understand .

Nibbles .

 

 

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andy has a nice WS already written to counter this 

stop worrying

they will NOT ever win.

 

you've not got a hearing date yet have you?

 

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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hey no sweat.

let see where this goes.

no rush yet then.

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... 

Link to post
Share on other sites

No we are not  confused Nibbles we deal with this lot constantly ...the loan could never run its term because you have a Default Notice dated 1st March 2013....which allows 14 days for you to correct the breach by the 17th March 2013....they dont know you have that...they dont have it.

 

They confirm in their point 20 that you did default and it was terminated....

Point 19 refers to a cause of action dated 3rd Oct 2013 which is incorrect the cause of action is 17th March 2013

 

Now they issued the claim on 5th March 2019 so they are correct in fact its 13 days short of being statute barred.... in essence your last payment was 18/12/2012 ... they only issued the Default Notice 1st March 2013....some 2 months later.

 

Hope that clarifies the position

 

Andy

 

 

We could do with some help from you.

PLEASE HELP US TO KEEP THIS SITE RUNNING EVERY POUND DONATED WILL HELP US TO KEEP HELPING OTHER

 

Have we helped you ...?         Please Donate button to the Consumer Action Group - The National Consumer Service

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What date must you submit your statement Nibbles ?

We could do with some help from you.

PLEASE HELP US TO KEEP THIS SITE RUNNING EVERY POUND DONATED WILL HELP US TO KEEP HELPING OTHER

 

Have we helped you ...?         Please Donate button to the Consumer Action Group - The National Consumer Service

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Hey Andy,

i dont know to be honest the last letter i got from the court  is attached for you to see .

im guessing now that lowell has done what was asked of them i will hear from the court again .

im not sure what to do now . i really thought it was SB .

to be honest i really cant afford to pay it even if i was ordered to,  im on benefits dues to long term medical conditions .

now my anxiety is raising too im trying not to panic but its hard not to .

thank you again for replying and helping Andy

Nibbles .

 

2019-05-22 GFoJoO defendant must file defence by 2020-06-07.pdf

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Okay so you have yet to receive the N157 Notice of Allocation which contains the court directions.....their statement is in response to the above order.

 

Try to remain calm...its really counterproductive to get worked up over these matters......you still have a few alternative arguments yet.

Wait now until you hear from the court and how they respond to the above and if they wish to progress the claim further by way of allocation.

 

Bottom line keep calm...even if you lose its no big deal......£1 a month and a CCJ on your CRAs for 6 years...you will survive.

 

Andy 

We could do with some help from you.

PLEASE HELP US TO KEEP THIS SITE RUNNING EVERY POUND DONATED WILL HELP US TO KEEP HELPING OTHER

 

Have we helped you ...?         Please Donate button to the Consumer Action Group - The National Consumer Service

If you want advice on your Topic please PM me a link to your thread

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it was transfered to my own court on the 17th April .

Allocation ??

is that from my own court ?

that last court letter was from my own court thats where they transfered it to .

 

i know and im trying not to get worked up .

 

i just really do thank you both for the help .

 

Nibbles .

 

 

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