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    • The private submersible industry was shaken after the implosion of the OceanGate Titan sub last year.View the full article
    • further polished WS using above suggestions and also included couple of more modifications highlighted in orange are those ok to include?   Background   1.1  The Defendant received the Parking Charge Notice (PCN) on the 06th of January 2020 following the vehicle being parked at Arla Old Dairy, South Ruislip on the 05th of December 2019.   Unfair PCN   2.1  On 19th December 2023 the Defendant sent the Claimant's solicitors a CPR request.  As shown in Exhibit 1 (pages 7-13) sent by the solicitors the signage displayed in their evidence clearly shows a £60.00 parking charge notice (which will be reduced to £30 if paid within 14 days of issue).  2.2  Yet the PCN sent by the Claimant is for a £100.00 parking charge notice (reduced to £60 if paid within 30 days of issue).   2.3        The Claimant relies on signage to create a contract.  It is unlawful for the Claimant to write that the charge is £60 on their signs and then send demands for £100.    2.4        The unlawful £100 charge is also the basis for the Claimant's Particulars of Claim.  No Locus Standi  3.1  I do not believe a contract with the landowner, that is provided following the defendant’s CPR request, gives MET Parking Services a right to bring claims in their own name. Definition of “Relevant contract” from the Protection of Freedoms Act 2012, Schedule 4,  2 [1] means a contract Including a contract arising only when the vehicle was parked on the relevant land between the driver and a person who is-   (a) the owner or occupier of the land; or   (b) Authorised, under or by virtue of arrangements made by the owner or occupier of the land, to enter into a contract with the driver requiring the payment of parking charges in respect of the parking of the vehicle on the land. According to https://www.legislation.gov.uk/ukpga/2006/46/section/44   For a contract to be valid, it requires a director from each company to sign and then two independent witnesses must confirm those signatures.   3.2  The Defendant requested to see such a contract in the CPR request.  The fact that no contract has been produced with the witness signatures present means the contract has not been validly executed. Therefore, there can be no contract established between MET Parking Services and the motorist. Even if “Parking in Electric Bay” could form a contract (which it cannot), it is immaterial. There is no valid contract.  Illegal Conduct – No Contract Formed   4.1 At the time of writing, the Claimant has failed to provide the following, in response to the CPR request from myself.   4.2        The legal contract between the Claimant and the landowner (which in this case is Standard Life Investments UK) to provide evidence that there is an agreement in place with landowner with the necessary authority to issue parking charge notices and to pursue payment by means of litigation.   4.3 Proof of planning permission granted for signage etc under the Town and country Planning Act 1990. Lack of planning permission is a criminal offence under this Act and no contract can be formed where criminality is involved.   4.4        I also do not believe the claimant possesses these documents.   No Keeper Liability   5.1        The defendant was not the driver at the time and date mentioned in the PCN and the claimant has not established keeper liability under schedule 4 of the PoFA 2012. In this matter, the defendant puts it to the claimant to produce strict proof as to who was driving at the time.   5.2 The claimant in their Notice To Keeper also failed to comply with PoFA 2012 Schedule 4 section 9[2][f] while mentioning “the right to recover from the keeper so much of that parking charge as remains unpaid” where they did not include statement “(if all the applicable conditions under this Schedule are met)”.     5.3         The claimant did not mention parking period, times on the photographs are separate from the PCN and in any case are that arrival and departure times not the parking period since their times include driving to and from the parking space as a minimum and can include extra time to allow pedestrians and other vehicles to pass in front.    Protection of Freedoms Act 2012   The notice must -   (a) specify the vehicle, the relevant land on which it was parked and the period of parking to which the notice relates;  22. In the persuasive judgement K4GF167G - Premier Park Ltd v Mr Mathur - Horsham County Court – 5 January 2024 it was on this very point that the judge dismissed this claim.  5.4  A the PCN does not comply with the Act the Defendant as keeper is not liable.  No Breach of Contract   6.1       No breach of contract occurred because the PCN and contract provided as part of the defendant’s CPR request shows different post code, PCN shows HA4 0EY while contract shows HA4 0FY. According to PCN defendant parked on HA4 0EY which does not appear to be subject to the postcode covered by the contract.  6.2         The entrance sign does not mention anything about there being other terms inside the car park so does not offer a contract which makes it only an offer to treat,  Interest  7.1  It is unreasonable for the Claimant to delay litigation for  Double Recovery   7.2  The claim is littered with made-up charges.  7.3  As noted above, the Claimant's signs state a £60 charge yet their PCN is for £100.  7.4  As well as the £100 parking charge, the Claimant seeks recovery of an additional £70.  This is simply a poor attempt to circumvent the legal costs cap at small claims.  7.5 Since 2019, many County Courts have considered claims in excess of £100 to be an abuse of process leading to them being struck out ab initio. An example, in the Caernarfon Court in VCS v Davies, case No. FTQZ4W28 on 4th September 2019, District Judge Jones-Evans stated “Upon it being recorded that District Judge Jones- Evans has over a very significant period of time warned advocates (...) in many cases of this nature before this court that their claim for £60 is unenforceable in law and is an abuse of process and is nothing more than a poor attempt to go behind the decision of the Supreme Court v Beavis which inter alia decided that a figure of £160 as a global sum claimed in this case would be a penalty and not a genuine pre-estimate of loss and therefore unenforceable in law and if the practice continued, he would treat all cases as a claim for £160 and therefore a penalty and unenforceable in law it is hereby declared (…) the claim is struck out and declared to be wholly without merit and an abuse of process.”  7.6 In Claim Nos. F0DP806M and F0DP201T, District Judge Taylor echoed earlier General Judgment or Orders of District Judge Grand, stating ''It is ordered that the claim is struck out as an abuse of process. The claim contains a substantial charge additional to the parking charge which it is alleged the Defendant contracted to pay. This additional charge is not recoverabl15e under the Protection of Freedoms Act 2012, Schedule 4 nor with reference to the judgment in Parking Eye v Beavis. It is an abuse of process from the Claimant to issue a knowingly inflated claim for an additional sum which it is not entitled to recover. This order has been made by the court of its own initiative without a hearing pursuant to CPR Rule 3.3(4)) of the Civil Procedure Rules 1998...''  7.7 In the persuasive case of G4QZ465V - Excel Parking Services Ltd v Wilkinson – Bradford County Court -2 July 2020 (Exhibit 4) the judge had decided that Excel had won. However, due to Excel adding on the £60 the Judge dismissed the case.  7.8        The addition of costs not previously specified on signage are also in breach of the Consumer Rights Act 2015, Schedule 2, specifically paras 6, 10 and 14.   7.9        It is the Defendant’s position that the Claimant in this case has knowingly submitted inflated costs and thus the entire claim should be similarly struck out in accordance with Civil Procedure Rule 3.3(4).   In Conclusion   8.1        I invite the court to dismiss the claim.  Statement of Truth  I believe that the facts stated in this witness statement are true. I understand that proceedings for contempt of court may be brought against anyone who makes, or causes to be made, a false statement in a document verified by a statement of truth without an honest belief in its truth.   
    • Well the difference is that in all our other cases It was Kev who was trying to entrap the motorist so sticking two fingers up to him and daring him to try court was from a position of strength. In your case, sorry, you made a mistake so you're not in the position of strength.  I've looked on Google Maps and the signs are few & far between as per Kev's MO, but there is an entrance sign saying "Pay & Display" (and you've admitted in writing that you knew you had to pay) and the signs by the payment machines do say "Sea View Car Park" (and you've admitted in writing you paid the wrong car park ... and maybe outed yourself as the driver). Something I missed in my previous post is that the LoC is only for one ticket, not two. Sorry, but it's impossible to definitively advise what to so. Personally I'd probably gamble on Kev being a serial bottler of court and reply with a snotty letter ridiculing the signage (given you mentioned the signage in your appeal) - but it is a gamble.  
    • No! What has happened is that your pix were up-to-date: 5 hours' maximum stay and £100 PCN. The lazy solicitors have sent ancient pictures: 4 hours' maximum stay and £60 PCN. Don't let on!  Let them be hoisted by their own lazy petard in the court hearing (if they don't bottle before).
    • Thanks for all the suggestions so far I will amend original WS and send again for review.  While looking at my post at very beginning when I submitted photos of signs around the car park I noticed that it says 5 hours maximum stay while the signage sent by solicitor shows 4 hours maximum stay but mine is related to electric bay abuse not sure if this can be of any use in WS.
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Lowell and CCJ for old old Orange debt - ignored everything - now say bailiffs are coming?


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Hello,

Originally back in in early 2012 I had an account with Orange, everything was going fine, I was paying them monthy via visiting their shop. I had a regular monthly contract with them. They accepted my payments over the counter.

However at some point around early summer, two things occurred.  The service was terrible from a signal point of view, and I complained about this, but they told me it was my problem. I then went to pay them my usual

£33 a month bill in the shop I regularly paid them in.  They refused to take my payment and told me that I must pay by direct debit. I told them I was not going to agree to that, and I was within my rights to pay at the counter as I had

already been doing for some months. I also asked them about terminating my contract because the service signal was so bad, it was unusable.  They told me if I wanted to terminate my agreement, that I had to pay up front the remaining

months left on the contract, which by that time was about 20 months left. 

The service was really bad, and so to where the people that worked for orange in the shop I used to pay my monthly bill too.   I asked to see speak to the manager in private, which they had no problems with.  The manager said that basically because

I had complained about their service, they where taking it personally and that even if I wanted to end my contract early they wouldn't accept it.  The guy also told me I must pay by direct debit.  However I was never going to do this, because as a company

they have been known to 'help themselves' by slapping extra charges onto the direct debit without the person knowing unless they paid close attention, and even then they would still claim that a person owed it, you just couldn't win with them.

 

I tried 3 more times in as many weeks to pay this £33 but they kept refusing to accept my payment. I tried several other orange shops in another city but they also refused to accept my payment. It wasn't as if I was refusing to pay them, they refused to take

my payment in the stores, which for some reason they suddenly at the time refused to, even though I watched other people paying their bills in the store!

 

I just got so angry with them, that I decided to just snap the sim up and burn it.  If they where refusing to take my payment, not my problem it was theirs considering they where taking other people's payments over the counter till.

 

I received a letter threatening me with a default if I refused to pay them, I rang them up and they told me to pay at the orange store, I told them they refused to take it. I asked if I could pay over the phone, they took my payment.

 

I didnt think anything more about it, I told them their service signal was horrific and usuable, I had already raised a dispute about this in their shop, and since that happened they refused to take my payment.

I told them that I want my account closing and terminating since I had made my payment, I was also under some illusion that there are certain caveats or something in their original contract that if the signal is unusable or non existent most of the time, they could terminate

the contract without attracting the full termination fee.

 

The account went into default, I was then sent a letter telling me I owed them £33 again , which they refused to accept in store over the phone.  I just said to hell with them and let it go.  The account was sold to many different DCA's and each time it seems they added  a few pounds here or there.  For long periods of time i never got any letters, or just empty threatening letters.  Not once did I acknowledge I owed any debt to any DCA. Next thing you know, Lowell bought the account, was a sent a letter, told me they where going to get a ccj applied to me, and that the bill had gone from the originally £33 to over £600. Again I never spoke or acknowledged them, I thought by this time the account had become statute barred. I was sent court papers, but never had the time to fill anything in, I had no idea how too. I have mental health issues I am being treated for.  I am on sickness benefits have been for a long time.

However they took me to court in Northampton and they got the CCJ on me.  The outstanding bill is now £817.46

Out of the blue, since they never contacted me after telling me they had successfully obtained a CCJ on me, it has to be approaching 3.5 /4 years since.  They sent a letter telling me they would get the bailiffs involved within 2 weeks, last week they then sent another letter telling me I had 7 days.  I can't afford to pay this, and I have no idea what to do.  I can tell you, I have never once responded to any of the DCA's that have written. None of them ever threatened me with a CCJ.  However Lowell did hit me with a CCJ, and it happened too quickly for me to really comprehend how quick that was from the initial letter to getting the court judgement.

 

I really need some help on this.  I have no idea what to do now.  I have employment and support for sick people, they told me there is no requirement to look for work, in any case it would not be feasible considering my illnesses. I am also disabled. I don't know if any of this helps or not, I just do not know. I suffer greatly with anxiety which has developed over the last few years, not because of this. I can't deal with strangers face to face or over the phone. Please help if you can.  thank you.

 

 

Hello,

Originally back in in early 2012 I had an account with Orange, everything was going fine, I was paying them monthy via visiting their shop. I had a regular monthly contract with them. They accepted my payments over the counter.

 

However at some point around early summer, two things occurred.  The service was terrible from a signal point of view, and I complained about this, but they told me it was my problem. I then went to pay them my usual £33 a month bill in the shop I regularly paid them in. 

They refused to take my payment and told me that I must pay by direct debit. I told them I was not going to agree to that, and I was within my rights to pay at the counter as I had already been doing for some months. I also asked them about terminating my contract because the service signal was so bad, it was unusable. 

 

They told me if I wanted to terminate my agreement, that I had to pay up front the remaining months left on the contract, which by that time was about 20 months left. 

The service was really bad, and so to where the people that worked for orange in the shop I used to pay my monthly bill too.   I asked to see speak to the manager in private, which they had no problems with.  The manager said that basically because I had complained about their service, they where taking it personally and that even if I wanted to end my contract early they wouldn't accept it.  The guy also told me I must pay by direct debit.  However I was never going to do this, because as a company they have been known to 'help themselves' by slapping extra charges onto the direct debit without the person knowing unless they paid close attention, and even then they would still claim that a person owed it, you just couldn't win with them.

 

 

I tried 3 more times in as many weeks to pay this £33 but they kept refusing to accept my payment. I tried several other orange shops in another city but they also refused to accept my payment. It wasn't as if I was refusing to pay them, they refused to take my payment in the stores, which for some reason they suddenly at the time refused to, even though I watched other people paying their bills in the store!

 

I just got so angry with them, that I decided to just snap the sim up and burn it.  If they where refusing to take my payment, not my problem it was theirs considering they where taking other people's payments over the counter till.

 

I received a letter threatening me with a default if I refused to pay them, I rang them up and they told me to pay at the orange store, I told them they refused to take it. I asked if I could pay over the phone, they took my payment.

 

I didnt think anything more about it, I told them their service signal was horrific and usuable, I had already raised a dispute about this in their shop, and since that happened they refused to take my payment.

I told them that I want my account closing and terminating since I had made my payment, I was also under some illusion that there are certain caveats or something in their original contract that if the signal is unusable or non existent most of the time, they could terminate

the contract without attracting the full termination fee.

 

The account went into default, I was then sent a letter telling me I owed them £33 again , which they refused to accept in store over the phone. 

 

I just said to hell with them and let it go.  The account was sold to many different DCA's and each time it seems they added  a few pounds here or there.  For long periods of time i never got any letters, or just empty threatening letters. 

 

Not once did I acknowledge I owed any debt to any DCA. Next thing you know, Lowell bought the account, was a sent a letter, told me they where going to get a ccj applied to me, and that the bill had gone from the originally £33 to over £600.

Again I never spoke or acknowledged them, I thought by this time the account had become statute barred. I was sent court papers, but never had the time to fill anything in, I had no idea how too.

 

I have mental health issues I am being treated for.  I am on sickness benefits have been for a long time.

 

However they took me to court in Northampton and they got the CCJ on me.  The outstanding bill is now £817.46

Out of the blue, since they never contacted me after telling me they had successfully obtained a CCJ on me, it has to be approaching 3.5 /4 years since. 

They sent a letter telling me they would get the bailiffs involved within 2 weeks, last week they then sent another letter telling me I had 7 days. 

 

I can't afford to pay this, and I have no idea what to do. 

 

I can tell you, I have never once responded to any of the DCA's that have written.

None of them ever threatened me with a CCJ.  However Lowell did hit me with a CCJ, and it happened too quickly for me to really comprehend how quick that was from the initial letter to getting the court judgement.

 

I really need some help on this.  I have no idea what to do now. 

 

I have employment and support for sick people, they told me there is no requirement to look for work, in any case it would not be feasible considering my illnesses. I am also disabled.

I don't know if any of this helps or not, I just do not know.

I suffer greatly with anxiety which has developed over the last few years, not because of this.

I can't deal with strangers face to face or over the phone.

 

Please help if you can.  thank you.

Edited by BankFodder
Restructured in order to make it readable
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For future reference – it's a mistake to ignore these communications. I'm afraid there is also a mistake simply to stop payments because one thing these companies are very good at is going after you and smashing up your life.

It's a shame that you won't using direct debit. I understand that you don't trust it – but there is a direct debit guarantee which works pretty well and if your account is plundered then generally speaking you can get your bank to return the money to you.

I suggest that you review your approach to direct debits because it will save you a lot of grief – especially if you are suffering anxiety in the way that you say. It will also be one thing less that you have to think about – going down to an orange shop every month to pay your money.

I expect that my site team colleague @dx100uk will be long before too long to give you some better advice than I can – but I certainly see at least three issues here.
Firstly you had a long history of paying by cash over-the-counter and then they changed the rules. Unless there is something very specific in their terms and conditions, I would say that your history of paying cash over-the-counter suggest that they had a contractual obligation to accept your payments in this way and that they were in breach of contract by imposing a unilateral change.

The second issue is the amount of money that they are now trying to claim from you and I expect that a lot of it is made up of charges which are probably unenforceable – but unfortunately you didn't respond to any court documents.

I'm afraid that these things don't go away. Once the ball starts rolling, you have to engage with it in order to stop it or at least to start getting it moving in a direction which is better for you.

I suggest that the first thing you do is that you send orange an SAR.

Also, I think you should contact Lowell and ask them for a full statement outlining in detail how they have arrived at the sum that they have claim from you.

I suggest also that you tell Lowell of your health condition, provide them with some evidence – and at least that will slow things down. It may not stop the process of instructing bailiffs.

You should be aware that once they instruct bailiffs there will be extra charges. There will be a charge for sending a letter and then there will be a much larger charge for conducting a visit.

You want to head off these charges and start dealing with it.

I think the SAR is essential.

We may be able to assist you in getting the judgement set aside – although that will require a fee – but we need to know what the claim is made up of first.

 

The third issue is the quality of the service that you were receiving. This could be grounds for terminating the contract – but the problem is that you probably don't have any evidence of this.

Maybe a subject access request will disclose more information about this as well as matters relating to the conduct of your account including the way you paid.

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can i just confirm, there was more than a 6yrs gap between your last payment and the date lowell quote they got a CCJ?

 

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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  • dx100uk changed the title to Lowell and CCJ for old old Orange debt - ignored everything - now say bailiffs are coming?

I believe it was  close to 6 years. The last time I made a payment to Orange (which is now EE in the UK) Was  February 2012 for £33.00 I think, and that was over the phone, although I never received any statement for it. They managed to get the CCJ on 12.0.2017

 

@BankFodder

Hi, thanks for your advice.

Orange no longer operate in the UK. I assumed that EE had something to do with it, but not sure what. I am not even sure if EE would fulfill my SAR request (since it was with Orange and not EE) or how I even go about obtaining a SAR.

Edited by Sylvanti
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Send them the SAR anyway. Follow the subject access request link for explanations and a template.

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most poss not SB'd then.

 

can you please scan up these letters you have been getting to one mass PDF

read our upload guide carefully.

 

i suspect if you read them properly they do not say WILL anything.

dont forget a DCA is NOT A BAILIFF and have ZERO legal powers on ANY DEBT no matter what its type notr even if they have a judgement CCJ

 

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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sadly I do not have a scanner, and I believe I shredded pretty much every letter  from all of the debt recovery agencies a few years ago. The only letter I have now is from Lowell telling me I have 7 days before they apply for a warrant of control to get the bailiffs involved.

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read upload please use a phone or digital camera.

 

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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This is the only letter I can find, I might have some more, but I really have no idea where. I did a big clean out with a friend a few years ago, and shredded pretty much all of my old letters including those from the debt collection agencies. It was originally sold on to quite a few debt collection agencies, i am unsure why, considering the original amount was defaulted for £33.

 

threatofbailiffs.pdf

 

If they have been instructed to apply for a warrant of control, who instructed them?

Edited by Sylvanti
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Lowell...they are the judgment creditor...I would be submitting an n245 and make an affordable payment plan through the courts...that will end the Bailiff threat.....and the £201.99 shouldn't be added to the debt has they have not applied or instructed bailiffs yet.

 

Andy

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ops doesnt say will anything either...

yep n245 time 

cut 'em off at the pass £10-£20PCM at the very max.

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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this takes priority but not before Rent/mortgage/ctax/gas/electric.

 

anything else is not a priority debt and £pcm should be reduced

hope you are not blindly paying any other DCA's on old debts?

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 I am not paying any other DCA, but my Incoming barely covers my outgoings. By the time I have paid my other bills, I am practically left with nothing, that is why I cannot afford to take anything else on.

 

The things I am paying for are the main priority.

I realize this is also a big problem and needs addressing, but I simply cannot afford to pay even smaller amounts.

 

It is not a case of I don't want too, if I have no other choice, but I simply cannot, I have no money to pay them at all.

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I have just plucked up the courage to speak to lowell, and explained my exact circumstances. Also that I simply could not pay. The client is something called portfolio 21?  The guy said he was referring it back to the client.  It turns out Orange added something like £246 to the existing bill of £33. Lowell have added interest and charges taking it to £817.

 

He said that I don't need to worry about making any payment plan with them or anything else right now, since it needs to be reviewed with my current information. I.e Unemployed due to mental health reasons etc.  He asked me what they where and I told him, thats when he said my case needs to be reviewed and sent back to the client.

 

It will be the client who contacts me, and not to worry.

I asked him how long this will take, and he said he had no idea. It could take a week , it could take several months, it is possible they might just stop any further action from occurring and write it off or something.

 

It now remains to be seen what will happen next.

I asked him about them getting the bailiffs but the guy just said dont worry, its being sent back to the bailiffs under review.

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portfolio 21?? never heard of them.

someone talking BS here.

or it might just be lowells 'portfolio' that they keep your debt in.

 

for you info can we just clarify this bailiff issue.

 

if the CLAIMANT on the CCJ/Judgement wants to involve bailiffs they have to return to court and ask the judge's permission  to enforce the CCJ.

of that, the court will inform you of this happening and for you side of events etc.

even IF bailiffs are involved, there is practically nothing they can do if basically you ignore them, there is NO right of forced entry upon consumer debts. so stop worrying.

 

also its worthy to note bar the £221 (whatever that is unlawful for sure!) the debt is nade up of your monthly payment till end of contract, these would have been added by orange prior to the sale to lowells? was it?

 

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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30 minutes ago, dx100uk said:

portfolio 21?? never heard of them.

someone talking BS here.

or it might just be lowells 'portfolio' that they keep your debt in.

 

for you info can we just clarify this bailiff issue.

 

if the CLAIMANT on the CCJ/Judgement wants to involve bailiffs they have to return to court and ask the judge's permission  to enforce the CCJ.

of that, the court will inform you of this happening and for you side of events etc.

even IF bailiffs are involved, there is practically nothing they can do if basically you ignore them, there is NO right of forced entry upon consumer debts. so stop worrying.

 

also its worthy to note bar the £221 (whatever that is unlawful for sure!) the debt is nade up of your monthly payment till end of contract, these would have been added by orange prior to the sale to lowells? was it?

 

dx

thank you for putting my mind to rest. 

 

My understanding of what he said was that Orange added outstanding charges until they defaulted the account and then terminated the contract.

 

As for the bailiff situation the guy said it my account was being sent back to the client, with my updated information, current situation, when I explained I could not afford to pay anything etc as what I said above.  It seems it is down to what the client decides to do I think. 

 

He said they will be contacting me, I asked him if they where the owners of my account and he said no.  I said if orange don't exist anymore then neither should the ridiculous debt.  It seems its now up to the client and  that they will contact me.

 

He asked me for an email address and I told him I wouldn't give it to him / lowell. I want communication via the mail only.  I told him I was considered vulnerable according to the government's perception of me and also my doctor, I was in the vulnerable group after covid fiasco fired up. I am also house bound not that it matters.

 

 

I read something which said if your vulnerable the bailiffs are not allowed to come into the property. I think when I told him I was considered vulnerable thats when he said I will help you by sending it back to the client with updated information and for them to review it.

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The judgment is coming up to its sixth anniversary hence the flurry of activity and threat of bailiff enforcement. Lowell are the owners of the debt and the judgment creditor...nothing to do with Orange /EE nor is there any client.

 

Have you got a copy of the Notice of Judgment ?

 

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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Just type no need to keep hitting quote

 

Pers i would not believe anything a dca says on the phone..they lie!!

 

next time dont..writing only

fOrgwt about bailiffs

you fell for the oldest trick in the book!

anD contacted them

it was only sent to gander a wet yourself action.

 

get a copy of the ccj and the particular of claim?

 

If not get the ccj number from your credit file or lowell letter and go ring northants bulk and ask for a copy of the poc and ccj by ema il pdf tomorrow

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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And a copy of the Notice of Judgment.

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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Unfortunately I was position 67 in the queue on my mobile. I dont have a landline. It would end up costing me a fortune to even try to get through to them. I will try again early in the morning, they close at 5pm, those stuck in the queue when that times comes around will suddenly find that the line goes dead or something.

 

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you could reply to the email with the POC in and ask for the judgement CCJ copy too?

 

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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Share on other sites

[email protected]

Request for copy of Judgment

Copy Judgment

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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