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    • Hello all,   I ordered a laptop online about 16 months ago. The laptop was faulty and I was supposed to send it back within guarantee but didn't for various reasons. I contacted the company a few months later and they said they will still fix it for me free of charge but I'd have to pay to send it to them and they will pay to send it back to me. The parcel arrived there fine. Company had fixed it and they sent it via dpd. I was working in the office so I asked my neighbours who would be in, as there's been a history of parcel thefts on our street. I had 2 neighbours who offered but when I went to update delivery instructions, their door number wasn't on the drop down despite sharing the same post code.  I then selected a neighbour who I thought would likely be in and also selected other in the safe place selection and put the number of the neighbour who I knew would definitely be in and they left my parcel outside and the parcel was stolen. DPD didn't want to deal with me and said I need to speak to the retailer. The retailer said DPD have special instructions from them not to leave a parcel outside unless specified by a customer. The retailer then said they could see my instructions said leave in a safe space but I have no porch. My front door just opens onto the road and the driver made no attempt to conceal it.  Anyway, I would like to know if I have rights here because the delivery wasn't for an item that I just bought. It was initially delivered but stopped working within the warranty period and they agreed to fix it for free.  Appreciate your help 🙏🏼   Thanks!
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    • Hi Guys, well a year on and my friend has just received this in the post today, obviously a little scared so looking for more of your advice.  Letter from the NCC dated 1-May-2024 is as follows.......   Before deputy district judge Haythorne sitting at the national business centre, 4th floor st Kathrine's house Northampton Upon reading an application from the claimant  it is ordered that  1. The claim be sent to the county court at #### (Friends local Court) Because this order has been made without a hearing, the parties have the right to apply to have the order set aside, varied or stayed.  A party making such an application must send or deliver the application to the court (together with any appropriate fee) to arrive within seven days of service of this order.  If the application is one which requires a hearing, and a) the party making the application is the defendant: and b) the defendant is an individual, then upon filing of the application the claim will be transferred to the defendants home court.  In all other cases requiring a hearing the claim will be transferred to the preferred court.    As a result of an order made on the 1 May 2024, this claim has been transferred to the county court at ##### (friends local court) 
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Lowell/overdales claimform - old vanquis card debt out of nowhere***Claim Discontinued***


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But surely they were in default of the original request for a copy of the credit agreement so i shouldn't have court papers in the first place? Without the legal jargon it should be taken that a request of agreement with a £1 cheque be deemed as a request under S78 whether mentioned or not? You can't just sell the debt on and allow the next guy to take the fall?

 

 

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Yes we know that.... but your not supposed to defend a claim in the eyes of a DCA then no one is the wiser.....even the judge.

Default judgments require no human intervention.

 

Welcome to the shady world of defunct debt buying.

We could do with some help from you.

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Just to give you guys a quick update. Both the letters went off a week ago. Overdales in Bradford received and signed for the CPR the following day - haven't heard anything back yet.

 

Lowell portfolio in Leeds must have a redirection on because they received and signed for the CCA just yesterday via HARROW post office.

 

Still haven't received my DQ from the court either and looking on MCOL there's no change since I filed defence.

 

Waiting game.......

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OK received DQ today to be returned by 01/10. Also got 2 nearly identical letters from Overdales just worded slightly different. Both acknowledge receipt of CPR and say as per there previous letter they request CCA from Vanquis and will provide it when they get it.

 

So for DQ what's the advice? Accept mediation and should I request hearing at my local court or via phone like they have done? Tia

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1 wit you

yes to mediation

the rest is obv 

 

3 copies

1 to the court

1 to overdales (omit phone/sig/email)

1 for you files

 

 

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...

Another update guys. So I sent the DQ off last month but it's not showing received on MCOL yet so I will contact the court next week and make sure it's there or if they need another copy.

 

In the meantime Overdales have replied to the CPR apologising for the delay as it takes time to get documents from original creditor. They have provided me with a Digital signature application instead of agreement. Just a form with a couple of boxes with my info and saying approved.

 

Also a statement covering a couple of years that I didn't even ask for. Default notice and notice of assignment. They state once in receipt of remaining documents they will forward and as no response made to their without prejudice offers the client is willing to consider any reasonable proposals put forward.

 

Also Lowell themselves haven't responded to the CCA at all are now well into default time of over 12 days. No idea if they have cashed the postal order or not but they haven't returned it to me either. They have however gone onto my credit report and added the extra debt from the court claim onto the balance and made it so the credit limit shows increased from zero upto a limit and then now shows overlimit.

 

Does this all sound about right? Any next moves or should I just reply to Overdales stating they still haven't provided an agreement and Lowell are in default of CCA request and haven't returned the fee?

 

Tia

Edited by dx100uk
formatting/spacing only - no issue
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  • dx100uk changed the title to Lowell/overdales claimform - old vanquis card debt out of nowhere

yours is not the next move

get that n180 sorted

ignore lowells/overdales.

 

scan up bar the statement all they have sent to one mass pdf please

read our upload guide carefully 

 

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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yes ring northants bulk

 

as for the paperwork thats not aceptable as a CCa return , its the usual A/C stuff they get from the vanquis data base. go lok at other vanquis claimform threads and you'll see.

 

the DN is ok

so is the NOA.

 

they rarely win these old vanquis card claims.

 

 

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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Yeah I figured the agreement pages were rubbish. They haven't even come as a CCA return but part of the CPR.

 

Lowell have ignored the CCA request it seems and just kept my postal order. Vanquis did the same years ago.

 

I have proof of delivery and postal order receipt this time though! I mean they do mention other documents will be forwarded when they get them but i'm assuming that to be a scare tactic. Thanks for advice

 

Court sorted. Apparently they are on a backlog and are opening post from 21st September just today so mine is a week still into that pile. She emailed me a blank and I returned it that way just to be safe.

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  • 1 month later...

your name and address is nowhere to be seen

the supposed online? signup on a thursday 02 feb 2015 has no IP address of the device used. just some sticker at the end of a blank CCA/T&c's that could have come from anywhere inc uploads here or their filing cabinet not from vanquis to lowell....very dodgy.

 

they'll have a hardtime using that.

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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Yeah, I see they are trying to pair it up with documents from the CPR (uploaded earlier). The number on bottom of that 'CCA' is what is in the box for terms and conditons on the other form.

 

No IP address anywhere to be found. 

 

Overdale letter states find enclosed copy credit agreement and T&C. You've now been provided with all the documents to substantiate our client's claim and they trust after considering the same I now accept i'm liable. 

 

They are still prepared to enter into settlement negotiation for 2500 over 12 months by consent order. If settlement is not reached they will proceed to court hearing which will incur further costs and fees.

 

Am I still best ignoring them and wait for court?

Edited by dx100uk
added A few blank lines only..dx
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Yep await the n157 from the court

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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  • 7 months later...

open

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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Nice. The letter received the case got transferred to the local court and 2 months later, letter received from overdales saying the client asked them to drop.

 

What's position on the charges they have added? Court fee plus solicitor costs now showing on my credit file on the alleged balance. I realise the alleged debt will still exist, but they have the right to add the court and solicitor fees to it ?

Edited by dx100uk
unnecessary previous post quote removed
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As they and all claimants do

 

Doesnt matter a monkeys.

 

Well done on your win

Well done CAG.

 

Please dont forget to donate to keep us here.

 

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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  • AndyOrch changed the title to Lowell/overdales claimform - old vanquis card debt out of nowhere***Claim Discontinued***

Topic title updated...with regards to the legal fees added to the balance just keep a separate note safe of how much they added for future reference...then you can can deduct it should you ever feel the need to settle the account.

 

Well done 

 

Andy

We could do with some help from you.

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Thank you guys.

 

They just messed around with the credit score a little by increasing the balance after years and then making it look like I've recently gone over credit limit. Part and parcel of a vindictive leech company like Lowell I suppose though!

 

I'll buy you both a coffee once I get myself off prepay electric meter (another story that). Had shell turn up with warrant to fit smart meters that I'd always wanted anyway.

 

No paperwork to show though so I told them fit the smarts while they were here but I wasn't acknowledge that it was under a warrant so they can't charge me for some court fees unless they have the warrant right🤣. They haven't, but they put my electric on prepay for some reason over 400 debt but left the gas on credit... Thought it was the gas prices that went up?!

 

the losers said they will put it back on credit once I'm under 200 debt on the meter so I'm trying to get that down asap so I can go back on direct debit. Funny thing was they mixed up the gas and electric reading off the old meters and tried to bill me 3800 for about 20000 units of electric that came off the 2nd hand gas meter they fitted and never checked in 5 years! That bill quickly got replaced with 400 loaded to the electric meter and they just left the gas on credit cos I owe nothing. Go figure.

 

And sleep well knowing I've learnt some extra tips and will use this knowledge to help some other friends family and neighbours get away from these bloodsucker companies!! Big respect CAG

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if you want clarity and help with the utils stuff , something doesn't sit right with the way you've described what they did.

start a topic in that forum.

 

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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