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    • There is not much of a chronology, he turns up at random times if he ever did, the simple facts are   loan applied for home improvements granted by the bank secured on property Builder details work he will carry out commences work December 2020 Outside walls (still unrendered) and roof build March 2021 Water disconnected toilet removed March 2021  Toilet installed incorrectly May 2021 Builder has not been on site since March 2021 Regular requests for builder to attend site since March 2021, builder promises attendance but does not appear After 6 months this job has caused emotional problems for Daughter Mat asked another builder to look at the work done so far he stated the walls need re plastering and the toilet is not installed properly, the bathroom window has been fitted incorrectly, majority of plumbing will have to be re done
    • Thanks. I'm not going back through the thread at the moment – but as long as the laptop was correctly declared and the values correctly declared – then you know what we have to say about insurance requirements et cetera. As soon as your letter of claim deadline expires then click off the claim. One thing that occurs to me – and you might like to find out – is that having declared that it was a laptop of that particular value, would it then allow you to go on to get insurance? That would be quite amusing to find that it was apparently on their prohibited items list – and yet they would still sell you insurance. If you found that out, we could store it away and use it.
    • Hi Bankfodder - I received a response from ParcelHero today.    As per their response to my initial complaint, they are taking the line that 'you were prompted during the booking process that you would not be covered for loss or damage and offered the option to upgrade, however you chose not to upgrade to our enhanced cover and continued with your booking...' They make this point in their letter despite Hermes expressly listing laptops as an item which is not covered under their compensation policy. They have offered (and also paid) a £15 credit into my ParcelHero account as well as refunding my initial postage.    They also note that they provided their limits of liability in the order summary page and which customers are required to accept in order to proceed with the booking.    I'm ready to push the button on the small claim however I very much welcome and appreciate any further guidance you may have.    Thanks, Martin 
    • So I understand that you entered into a contract for home improvements – specifically work on a bathroom. The agreed price was £10,000 and of which you have paid £7500. The work started December 2020 – but the builder doesn't turn up any more. I asked you for a chronology but actually you haven't given us very much at all to go on. Apparently the work is being carried out badly and you have had somebody else have a look at it and they concur that the job has been carried out so far to an unsatisfactory standard. You really do need to give us a little better timeline. You've been with us for 10 years and you know the kind of information we need. In order to give the builder notice, you are certainly going to have to do explain why and also give reasonable notice – unless the job has gone so badly wrong and the builder hasn't been around for so long that you can take it that the builder has breached the contract to the point where it is void. However, so far you have given us this basic information. Once again we need a chronology please – bullet pointed. I certainly wouldn't want to be paying this builder any more. Have you had a detailed written assessment of the problems with the work and also what remedial work it needs and a costing?   Just a touch on the point of the finance – I understand that you took other home improvement loan but I expect that this was secured on your property as you have said and then paid directly into your own bank account for you to provide to the builder of your choice. In that case, the finance company has no particular obligation in respect of the building work. However you manage to pay by bank transfer – to an account which is not even the builders – Big Fail! You certainly haven't helped yourself by this kind of arrangement – although I suppose we have a basis for suggesting that there may be some tax question here. Have you had a proper receipt for the money? Do you know the builder is VAT registered?
    • I think you're somewhat missing the point of the BS marking. It is in place to denote that the plate has been made in accordance with the standard. If your idea was a runner, you could buy any rubbish you wanted to, stick the BS marking and a legitimate manufacturer's details on it and off you go! The regulations state that the plate must be manufactured to meet the standard, not that it must include a sticker to say that it has.
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    • Hi @BankFodder
      Sorry for only updating you now, but after your guidance with submitting the claim it was pretty straight forward and I didn't want to unnecessarily waste your time. Especially with this guide you wrote here, so many thanks for that
      So I issued the claim on day 15 and they requested more time to respond.
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Lowell and 2008 Provident doorstep loan - CCA request reply


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Hi all, 

 

recently I stopped paying Lowell the monthly agreed amount of £5 for a debt to provident.

 

I sent them a CCA request and this is the reply I received. What does it mean please? 

 

Background: I was for a long time and agreed to pay DCAs instead of fighting them. Now I’m better and wiser. The provident debt was a loan in 2008 and I’ve been paying Lowell £5 a month for the last 2 years. The balance was at £132 last month until I stopped paying.

 

I will attach in a minute when I can get my laptop on.

 

 

 

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  • dx100uk changed the title to Lowell and Provident loan - CCA request reply

move to the provi forum.

before you started blindly paying lowells ..who and WHEN did you last pay?

 

was this a doorstep loan?

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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Yes it was and as I said above I paid Lowell for the last two years but before that I can’t remember when I last paid the OC because I was ill.

 

lowell.jpg

 

I will say this though, before anyone judges me, I'm an intelligent person who just became extremely unwell and didn't have the energy to fight. I have had CCJ's because I ignored Lowell and other DCAs before and that scared me, I just didn't have the energy to send the letters and seek help. So I "blindly" paid them. 

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  • dx100uk changed the title to Lowell and 2008 Provident doorstep loan - CCA request reply

so you owe them nothing and were paying them for nothing.

oh well.

 

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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Would you mind clarifying, and, also, could be maybe be a little less rude?

I appreciate help but I don't appreciate being spoken to as if I'm an idiot. 

 

Does this mean that the debt is written off/no longer exists or does it mean that I might hear from another DCA regarding this at some point?

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no they had you..at that time as you've repeatedly said ..you knew no better nor were in any state to even care.

 

if they are saying there is no debt = nothing to sell on

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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Hi

I have found in the last that Lowell are really not very intelligent and often do not join up the dots.

 

I have had letters refusing to supply documents I did not ask for

 

What may have happened is that once you sent the CCA Request, they realised the game was up and wrote off the debt. When I CCA'd Lowell for a provident debt they were only able to supply the front of the agreements and not the terms and conditions on the back. They did eventually close the account.

 

I would keep that letter very safely so if in future they try and chase you you have something to send back to them. (Again, I once had a purchaser try to chase me for a debt but I had an email from the OC saying the balance was 0 and the debt had not been sold or assigned to a third party) 

 

By the way, did you ask for the Deed of Assignment?

Any opinion I give is from personal experience .

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Just as well because you cant ask for the Deed only the Notice...only a Court Judge can order the disclosure of this sensitive document which reveals the the terms of the assignment  and how much the Assignee paid for the debt...which in effect is useless to you anyway.....the Notice of Assignment is more important.

 

And given that this debt is not subject to litigation how could you ask for it anyway?

 

Andy

We could do with some help from you.

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I only asked because it seems to be a template letter sent out, I have received almost exactly the same letter; saying I could not have something I had not even asked for,,

 

 

Keep the letter safe 

Any opinion I give is from personal experience .

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Lowells have always got their Deeds and Notice of Assignment mixed up...nothing new on most threads here going back years.

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 The National Consumer Service

 

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

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