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    • Vodafone are NOT lowells clients voda had NO INVOLMENT in bringing the court claim in the 1st place nor continuing the claim after the successful set aside. they sold the debt..washed their hands of it.   and what counterclaim have you made?  you haven't and shouldn't, all you have done is filed a defence with regard to the continuing claim. and NO you never ever ring them.   can you scan these statements to one multipage PDF please  read upload CAREFULLY
    • don't like the sound of that but legal speak is not my best subject.   so they are not refunding your fee for the N244? when this was NOT your mistake but theirs? what defence did you file for the debt along with the reason for the set aside?    
    • I entirely agree dx. Now I think I should get supporting evidence to substantiate my counter claim. Hence there is still unresolved dispute with the original creditor..   In other words I believe my contract with Vodafone ended in December 2014.  I think it is about time Lowell accept responsibility for something their client refused to acknowledge nearly 4.5 years ago.   What do you think people? should I give them a call tomorrow to discuss this further?  
    • I meant that lender is just threatening liability for huge shortfall - but no actual figures been demanded yet.   Lender lawyer advised a few potential buyers but when we asked for details lender won't disclose the exact amounts and specific terms.   They allege they have one offer close to their list price - but it's still super low in comparison to true market price - plus the buyer's offer is subject to having the Freehold.  The lawyer has demanded I "give away" - for free - the Freehold to help them sell the property.  It's not mine and its valuable.  
    • I submitted N244 to the court asking for a set aside hearing.   Howard Cohen wrote to me saying their client has instructed them to consent to the set aside of the default judgment.  They have enclosed a consent order for me to sign which says the following :   Schedule The default judgment to be set aside. The defence do stand. Directions Questionnaires be issued. No order as to costs.   It is ordered by consent : Having agreed to the terms set out in the schedule, all further proceedings in this matter be stayed except for the purpose of carrying such terms into effect. Each party shall have permission to apply to the court to enforce those terms without the need to bring a new claim. No order as to costs.  
  • Our picks

    • Future Comms issues. Read more at https://www.consumeractiongroup.co.uk/topic/416504-future-comms-issues/
      • 3 replies
    • This is a bit of a lengthy one but I’ll summerise best as possible.
       
      THIS IS HOW THE PHONECALL WENT 
       
      I was contacted by future comms by phone, they stated that they could beat any phone contract I have , (I am a limited company but just myself that needs a business phone and I am the only worker) 
      I told future comms my deal, £110 per month with a phone and a virtual landline, they confirmed that they could beat that, £90 per month with a phone , virtual landline  they also confirmed they would pay Vodafone (previous provider) the termination fee. As I am in business, naturally I was open to making a deal. So we proceeded. 
      Future comms then revealed that the contract would be with PLAN.COM and the airtime would be provided by 02, I instantly told them that this would break the deal as I have poor 02 signal in the house where I live as my partner is on 02 and constantly complaining about bad signal
      the salesman assured me he would send a signal booster box out with the phone so I would have perfect signal.
      so far so good.....
      i then explained this is the only mobile phone I use for business and pleasure, so therefore I didn’t want any disconnection time in the slightest between the switchover from Vodafone to 02
      the salesman then confirmed that the existing phone would only be disconnected once the new phone was switched on.
      so far so good....
      • 14 replies
    • A shocking story of domestic and economic abuse compounded by @BarclaysUKHelp ‏ bank complicity – coming soon @A_Gentle_Woman. Read more at https://www.consumeractiongroup.co.uk/topic/415737-a-shocking-story-of-domestic-and-economic-abuse-compounded-by-barclaysukhelp-%E2%80%8F-bank-complicity-%E2%80%93-coming-soon-a_gentle_woman/
      • 0 replies
    • The FSA has announced large fines against DB UK Bank Limited (trading as DB Mortgages) - DeutscheBank and also against Redstone for their unfair treatment of their customers.
      Please see the links below for summaries and full details from the FSA website.
      It is now completely clear that any arrears charges which exceed actual administrative costs are unfair and therefore unlawful.
      Furthemore, irresponsible lending practices are also unfair and unlawful.
      Additionally there are other unfair practices including unarranged counsellor visits - even if they have been attempted.
      You are entitled to refuse counsellor visits and not incur any charges.
      Any charges for counsellor visits must not seek to make profits. The cost of the visits must be passed on to you at cost price.
      We are hearing stories of people being charged for counsellor visits for which there is no evidence that they were even attempted.
      It is clear that some mortgage lenders are trying to cheat you out of your money.
      You should ascertain how much has been taken from you and claim it back. The chances of winning are better than 90%. It is highly likely that the lender will attempt to avoid court action and offer you back your money.
      However, you should ensure that you receive a proper rate of interest and this means that you should be seeking at least restitutionary damages - which would be much higher than the statutory 8%.
      Furthermore, you should assess whether the paying of demands for unlawful excessive charges has also out you further into arrears and if this has caused you further penalties in terms of extra interest or any other prejudice. This should be claimed as well.
      If excessive unlawful charges have resulted in your credit file being affected, then you should take this into account also when working out exactly what you want by way of remedy from the lender.
      You should consult others on these forums when considering any offer.
      You must not make any complaint through the Ombudsman. your time will be wasted, you will wait up to 2 yrs and there will be a minimal 8% award of interest and no account will be taken of any other damage you have suffered.
      You must make your complaint through the County Court for a rapid and effective remedy.

      http://www.fsa.gov.uk/pages/Library/Communication/PR/2010/120.shtml
      http://www.fsa.gov.uk/pubs/final/redstone.pdf
      http://www.fsa.gov.uk/pubs/final/db_uk.pdf
       
      http://www.fsa.gov.uk/pages/consumerinformation/firmnews/2011/db_mortgages.shtml
      Do you have a mortage arears claim to make? Then post your story on the forum here
        • Like
      • 0 replies
prince percy

Safety Net Credit - Pre Action Protoccol

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Hello, 

 

I need some advice on a old payday loan, i have done a quick search but couldn't find anything on the site that relates my situation.

please point me in the right direction if this is covered elsewhere.

 

Long story short

a couple of years ago we were in real difficulty with money and fell into the trap of payday loans.

Ended up with Safety Net in the end as it was easier to borrow smaller amounts but it snowballed to £1108.50.

 

I then decided that i needed to get my finances back in order, stopped paying them and have ignored them since.

 

I now have a letter form a solicitor with a pre-action protocol asking for payments ect and i'm not sure how to proceed?

 

I made a complaint to Safety Net in November last year about irresponsible lending but i never heard anything back and then kind of forgot about following it up.

 

I have re-sent them the complaint email today and also made a subject access request to get the credit agreement and any of the application details they hold on me. 

 

am i right that they can't proceed with court with the complaint open?

 

do i need to start communicating with the solicitor and tell them this?

 

Many thanks

 

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you must reply to the PAP letter 

 

read this topic

 

then follow as post 6


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

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thanks for the quick reply.

 

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I'm not sure if the debt has been sold onto a DCA it showing as owed to Indigo Michael on my credit report and i don;t remember any letters from DCA. Would they start the court action without selling the debt?

 

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Who asked if it had been?

Yes many pdl co's do do court now

look at the sols letter...it will say 'our client'...they are the owners.


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

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i'm just finalising this PAP and am not sure on what reason i can dispute the debt other than they have not sent CCA or other paperwork, Sorry if i'm being thick but is this what i need to put?

 

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Yes and possibly Irresponsible lending and none compliance to you DSAR ?


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 OTHERS

 

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

 

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

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Just to update on this.

 

Safety Net have written and agreed they lent irresponsibly and have agreed to refund me interest paid on loans taken out with them so this covered what was outstanding plus a bit more.

 

Thanks for the help with this. I will be making a donation at the end of the month when I get paid.

 

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Well done...let us know when you get the refund and we will update your thread title....and many thanks for the forth coming donation.

 

Regards

 

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 OTHERS

 

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

 

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

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hey glad to help

 

good result.

 

now go hit any other PDL's you had...???:lol::lol:
 


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

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