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    • Thanks for letting us know about this. I'm afraid that this website is mainly bad news about companies so it's very refreshing and very decent for someone to come along and to give praise where praise is due. How about a link to their website?
    • Having a little additional think about this, I think that your interests are best protected in the following way: You inform the seller that you are obtaining the quotes which I have referred to above. Having received the quotes, you then inform them that you are proposing to have the work carried out at XXX garage and that you will expect that the seller will reimburse you for the costs and associated expenses. You can tell them though that you understand that they may want to control the work being done to the car and so you are willing to allow them to do it but as the fault has manifested itself at this point and that it is clear that the problem is their responsibility, if they wish to carry the work out themselves then they will have to organise the collection vehicle and the delivery of it to you once the work is completed. Of course this will be very expensive for them and they will either fail to respond or they will refuse. Whatever their reaction, you would then go on to say that as they have failed to respond/declined the invitation to carry out the repairs themselves, that you are now going to your preferred garage – one of the two quotations which you have supplied – and you will have the vehicle repaired there. You are giving them an opportunity to comment. I think that if you use this approach, then you will be able to demonstrate very clearly that they had a choice and therefore they will be unable to disassociate themselves from the repairs which are eventually carried out at your chosen repairer. Even though this exchange of correspondence may mean that it will take a week or so longer to have your repairs carried out, I think you should do this in order to protect yourself in the best way possible
    • Please name the dealer   I would start off by sending them a letter of rejection seeing as you are within the 30 days. This doesn't mean that you have to reject it but it reserves your position. Secondly, on the basis of what you say, I don't think that you need necessary to find the cheapest place. You should be looking at the best quality that you can find. I think the best thing to do would be to get to competing quotations for the work you propose to have carried out – and not necessarily at the cheapest place, but a couple of proper reputable garages – authorised for that kind of vehicle. Inform the dealer as to what you are doing and providing with copies of the estimates for the work before you put it in hand. Give them five days to object or to make other comments. Make it clear to them that once the work is carried out that you will be looking to them to reimburse you. Of course you are opening a can of worms here because if you get some further problems – more serious – you may find that the dealer is starting to say that because you have carried out your own work so your own repairer on the car, they cannot now say that any defects were inherent in the purchase – and that they may have been introduced by 1/3 party repairer. I'm afraid that you have certainly fallen into a trap of buying a car a long distance away from where you live. We find that people often tend to do that because they think the car they have found is the only one in the world for them. They forget to factor in the difficulties that they will be if there are defects – particularly if the car stopped altogether – the cost of transportation to the dealer, the cost of having to travel up and down the country to collect the car – and of course these difficulties could emerge several times through the initial years of your ownership of the vehicle if you are relying on your statutory rights and expect the dealer to meet those obligations. Furthermore, if you have to bring a court action against them you are now dealing with multijurisdictional claims – suing out of Scotland against the defendant in England and that adds to the complications. It's too late for you to do anything about this – unless you actually decide to reject the vehicle – but at the very least, other people who come across this thread may get some benefit from these comments. I think it's important for you to get the best quality repair you can and to make sure that the dealer is aware of what you are doing so that if later on they try to deny responsibility for further defects, that you will be able to show that they were fully appraised of what you are doing and they will have less room to manoeuvre themselves out of their statutory obligations. I'm afraid that purchasing a car from one dealer and then having it repaired by another service provider, brings into the same kinds of difficulties that somebody who purchases a central heating boiler from one supplier and then has it installed by a different supplier find themselves in. When things go wrong, the seller blames the installer. The installer blames the seller – and you, the customer, are piggy in the middle. Not a good place to be. I notice that you are doing things on the telephone. Big Fail! Read our customer services guide. In your situation you should be extremely careful to make sure that you have got a record of everything and a full paper trail
    • What information do DVLA need for a provisional licence ?   Think the ID issue needs to be looked at a bit more. Surely you have birth certificate, school information, Doctors records. School and Doctors should provide a letter to help with ID.                
    • Amex as with any creditor must help you the FOS should go with you and make them remove all interest charged from the very 1st time of asking for help. the FCA regulations actually almost dictate it, they most certainly clearly state that if the are FCA registered they must help.   it's very telling they have no marked your credit file....almost as if they know they are wrong. it's also telling that an irresponsible lending complaint might well be in order hear too, they can just keep upping the credit limit without checking you can pay. and ofcourse covid plays its part here and they've already admitted as they allowed payments holidays until october in line with the rest of the industry and they should be continuing that. you problem is you keep using the phone, no paperwork no record of things discussed. i'd get an SAR off to them. and get the comms/account log and all the statements from day one and go nail them.
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Lowell Claimform - old LLoyds Credit Card Debt Poss Statue Barred. ***Claim Discontinued***


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No I have an N149A,  which is the August order. I can't find an N157 and I was on the phone when you typed so I asked and he said they couldn't see that as it may be in the file but they don't have that at the moment.  He suggested I emailed stating I received nothing and they would show that to the DJ. 

 

Now...There was another order, the order was on the 12 November 2018 - they kindly emailed and I have attached....not sure what the second letter included with it means about translation!

InvokerServlet (1).pdf

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It would appear that that was the original order which they have since replaced with your latest order...anyway let them put it back to the DJ and see if they issue you with a N157.....but dont forget they have never complied with the order so if they are trying to proceed..they have yet to comply with both orders...2018 and 2021

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Thanks,  I think they did comply partially with the order of 2018, they send the agreement to the court and some paperwork (well this is what the call handler said to me) but they didn't say anything more.  

 

I will have a look around for more items over the weekend and take stock on Monday.  Think I may email the court and state that I haven't received anything, see if they put that on the file too. 

 

Should have added, when I was reading over all the documents I did find and the letter and stuff asking for copies of the original agreement etc from the solicitor and proof of sale from Lloyds to Lowell - nothing has even been sent to me. 

Edited by yellowplum
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  • 1 month later...

I have now received some interesting responses....

 

Firstly - Lowell have sent a without prejudice letter offering a settlement of £3750 for a single payment or £4000 payable in instalments of £50pcm

 

Second - Lowell also sent a previous letter with the copy of the agreement saying it was the one they filed to court in 2018.  However I have not yet had it acknowledged from the court that they received a certificate of service for this. 

 

Third - The court wrote to me today from the proper officer stating a video hearing will be heard 14 May 2021. 

 

Dealing with each one in tern, I see the court hasn't responded to my email asking them to strike out the claim on the basis that Lowell haven't adhered to the order and that I haven't received the original documents and have now set this hearing date. 

 

I note Lowell are willing to take an offer which is of interest. However I am inclined on the costs issue and trying to 'get rid' of the matter as cost effective and expediently as possibly to make a counter offer (at what level I am not quite sure yet). 

 

Is there a letter template to use to draft a settlement or something that I can use to start with?  

 

In Lowell settlement letter they are claiming it is not statute barred and that a payment was made to them for £200.  I have tried to go through everything and all I can find with the help of Santander who were my bank at the time, is a payment of £200 paid to Lloyds, but this does not have a reference on it only a s/c and a/c number. 

 

How best is it to proceed?  

Court Order 22_02_2021.pdf Response to Order.pdf Offer Letter.pdf

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  • dx100uk changed the title to Lowell Claimform - old LLoyds Credit Card Debt Poss Statue Barred.

i wouldnt be offering anything, 

thats a application form that does not hold all the required prescribed terms

ther are no T&C's

No Default Notice 

no Notice of assignment

 

the 1st 4 digit of the payment source to lloyds fwded to lowells.. is 5467 what are the next two digits please

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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so looks like a £200 payment from the card below to the same account??

then lloyds fwded this on to lowells.

 

something doesn't make sense here.

 

 

Bin: 546780
Card Brand: MASTERCARD
Issuing Bank: LLOYDS BANK PLC
Card Type: CREDIT
Card Level: GOLD
Iso Country Name:

UNITED KINGDOM

 

 

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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just type no need to keep hitting quote.

 

the statements (from whomevers system??) you uploaded we got that number from show a payment onto the statement from the same card number lowell are litigating against? does that 16 digit number on in their POC match the card number 546780......this payment came from?

 

 

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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The card number at the top right of the Advanced Application Form and Agreement does not reflect the same card number

 

the number is 546780 and ends 5931 (however that card was taken out in 2005)

 

the card number on the POC - there isn't one it is just the reference number that they use or they call the 'original account number'.

 

As for the statement (excel spreadsheet type)

that has the same reference number but not credit card number.  

 

However this is different to the spreadsheet paperwork they have sent previously to me.

Which looks like it comes from Lloyds and shows the debt being written off by them.

I've attached that here.

 

I wrote to Lowell asking for the deed of assignment and they haven't furnished us with it either. They did state that they don't have it as it is too old or something in the offer letter. 

 

 

new doc 2021-02-25 08.15.42.pdf

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hang on, something funky going on here....

 

the poc must have in it the 16 digit credit card number they are litigating over, not some random home made number they can, themselves, assigned it,

 

else, as they have, they can produce any ole statements, using the same fake number,  and claim they are true too.

statements must be from the original creditor, containing the original card number.

 

you also indicate now there is a second card, not part of the litigation, that appears to be the source of this mystery £200 payment they are claiming frukes the SB claim?

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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No second card, just that the card number on the original paperwork that is signed they sent through is different from the one they claim in their settlement offer letter.  Not sure that constitutes different card or one that got replaced or a new account as the card changed card type. 

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Then surely this proves they dont have a clue what they are litigating over.

They use the words credit card in their poc, but they stated a number in the poc is not a 16 digit number which all credit cards have.

 

 

 

 

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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I would agree, they seem to just take a punt on the hope people cave in.  

 

However, I would ask how to proceed in this instance?  

What happens at the hearing as the order from the court states very little.  

What should one do at this hearing and what should you do to prepare?  

Should I request any further documents from Lowell?  

Do I reply to their offer and state a case?

 

Also I wanted to know if money was paid to Lloyds Bank - then Lloyds Forwarded this as they so selected to Lowell is this allowed?

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On 22/01/2021 at 14:13, Andyorch said:

It would appear that that was the original order which they have since replaced with your latest order...anyway let them put it back to the DJ and see if they issue you with a N157.....but dont forget they have never complied with the order so if they are trying to proceed..they have yet to comply with both orders...2018 and 2021

 

^^^

 

so proceeding as a std court case now..... exchange of witness statement next but await the n157 with the details

you don't need to contact lowells no.

 

as for this £200 payment , if it was for this card debt sold to lowells then yes they would fwd it, lloyds no longer owned it, but im still very puzzled where it came from, who made it, and was it supposed to pay this mystery credit card debt in the 1st place

 

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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We don't know - all that Santander said was that a payment was made to a S/C and A/C number and they gave us that information - what they couldn't say was if a reference number i.e. the card number was entered to pay that said card. 

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In reply to your earlier message, the payments were made regularly to the S/C and A/C that I provided.  The payment was always made to this account for the card using the PAN number, however the error payment was made without any reference to the same. Lloyds bank changed the reference number from the PAN of the card to 2686XXXX not sure who changed it to this if it was Lloyds or Lowell or when it was changed. 

Then subsequently Lowell changed the A/C number again to their one that they quoted on the POC

 

All I can ascertain is that the payment was made from Santander to the A/C above in error but after Lloyds had sold the Debt and Assigned it elsewhere. However, according to Santander the payment was made with no REF number sent with the payment.

 

I also received the order from the court yesterday which I have attached. There are several items that the court is asking to have for the hearing but haven’t had anything from the Claimant.

 

What is the best next course of action as the court is asking that we attempt to resolve this before the hearing?

 

Court Order.pdf

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so witness statements to be exchanged by the 6th april.

 

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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  • 3 weeks later...

Well done......game over...topic title updated.

 

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 The National Consumer Service

 

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

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  • Andyorch changed the title to Lowell Claimform - old LLoyds Credit Card Debt Poss Statue Barred. ***Claim Discontinued***

I did call the court, seems they couldn't see what the claimant had said in the letter as it wasn't scanned on the system.  

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