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    • ok well BH aren't known for being nasty etc, they are lloyd a mainstream bank. not like moneybarn motonova etc etc. that cab be very nasty. does she want to keep the car? but its just going to be if truthful there is no chance of being able to pay for it realistically going forward and ofcourse use = running costs too? the cheapest option here is going to be VT (has to write) whereby she will only owe to the 50% mark detailed on the back of their agreement. and as its BH i suspect once that is done and dusted , will most probably be persuaded to accept even lower payments. your thoughts dx    
    • I have now seen her credit file. It only really shows the car loan and the car insurance. I guess this means she can't claim they didn't do affordability checks so what would be advice as to her next step? Thanks in advance Billy
    • could you please also fill this out. and scan up to one mass pdf both sides of every letter she can find/has  
    • please note corrected defence filing date .get a CPR 31:14 request running to the solicitors https://www.consumeractiongroup.co.uk/forum/showthread.php?486334-CPR-31.14-Request-to-use-on-receipt-of-a-PPC-(-Private-Land-Parking-Court-Claim type your name ONLY no need to sign anything .you DO NOT await the return of paperwork. you MUST file a defence regardless by day 33 from the date on the claimform.
    • Thanks DX, required info as follows.   Which Court have you received the claim from ? MCOL Northampton Name of the Claimant :  Parking Eye Ltd       Claimants Solicitors: DCB Legal Ltd Date of issue – 20th March 2024 Date for AOS - Today, 13 April 2024 Date to submit Defence - 19th April 2024 What is the claim for – 1. The Defendant (D) is indebted to the Claimant (C) for a parking charge(s)issued to vehicle ******* at Lake Street Leighton Buzzard. 2. The PCN(s) were issued on 03/12/2021 3.The defendant is pursued as the driver of the vehicle for breach of the terms on the signs (the contract). Reason: Vehicle Remained On Private Property In Breach Of The Prominently Displayed Terms And Conditions. 4. In the alternative the defendant is pursued as the keeper pursuant to POFA 2012, Schedule 4. AND THE CLAIMANT CLAIMS 1. £170 being the total of the PCN(s) and damages. 2. Interest at a rate of 8% per annum pursuant to s.69 of the County Courts Act 1984 from the date hereof at a daily rate of £0.3 until judgement or sooner payment. 3. Costs and court fees. What is the value of the claim? Amount Claimed £202 court fees £35 legal rep fees £50 Total Amount £287 Have you moved since the issuance of the PCN? No Did you receive a letter of Claim With A reply Pack wanting I&E etc about 1mth before the claimform? No
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Lowells and various debts


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Hi 

the following attached accounts do NOT show on my credit file but some say not reported (check my file)

The rest are all over 6 years. Does this mean they are also statue barred? I am only paying £2 a month on all of them purely to be awkward........

You can see I've been paying some to Lowells since 2014.................

then there's some they started to chase me for in April 2021 out of the blue from when they started in 2016 etc

The sky one I think was from old address back in 2013.

I am currently with Sky again now and not in any arrears and this has not been mentioned by sky??

I really wish I knew about this site years ago.......

 

lowells (1).pdf

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  • dx100uk changed the title to Lowells and various accounts

ok i know you're new to this and it's a lot take in 

but one thing we must be very careful about is your pers details and the fleecers find things in your uploads that identify you to them.

i've blanked out the account number

and also converted you .docxfile to PDF

docx file have all your pers details in file info/properties.

now regarding the accounts above.

if you've not paid a debt in the last 6yrs or a period of 6yrs existed before you started to repay it again, then a debt is deemed statute barred

only you can work that out as we dont have all the required details.

the fact you might now hold an account with the original creditor and have an old debt with them you are being cash cowed by a DCA has no relevance, they sold the old debt on and wrote it off against their taxes/insurance they had and sold it for 10p=£1 and the DCA's scam you for the whole sum.

pers id just stop payments on all you debts

you'll get a forest of letters

but until you ever get a Letter Of Claim on any one of them

you are safe to ignore every letter you get from lowells.

do not ever ever talk about debt over the phone/email/txt.

block their numbers

report texts to spam 7726

block and bounce all emails and their addresses.

sorry you appear to have been royally cash cowed.

a DCA is NOT A BAILIFF!!

  • Like 1

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 Lowells and various debts
  • 3 months later...

threads merged

 

nope 

a Letter of claim will come from overdales

and it will have a reply pack wanting things like I&E

 

 

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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ive moved your thread to the debt self help forum

 

Debt management and Debt self-help - Consumer Action Group

 

have a good read of 10-20+ threads here.

you'll soon get the idea how to play all these debts.

 

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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I've had a stack of these 'pre legal' assessments from Lowells over the years , none of them led anywhere. Clue is in the language used lots of 'coulds' and 'mays'.  Only Caveat is make sure you have informed them, in writing of your correct address if you have moved.

 

 

We could do with some help from you.

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

 

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  • 4 weeks later...

I have uploaded recent letter recieved with overdales solicitors.. i do believe it be a SAR letter sent ?

 

I have also checked credit file with checkmyfile .. and nothing showing for capital one even under any debt collectors names also, nothing on there.

lowell passed to overdales + notice of acting.pdf

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SAR letter sent?

next time please take the trouble to ROTATE your images and merge them to file properly named file.

 

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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why?

dont invite pointless letter tennis

already told you what and not to do with your debts earlier 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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  • 2 weeks later...

hit letter of claim

follow post 2

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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  • 2 weeks later...

So the question now is did you make any payments before or after after the default was placed 24th May 2016 and did you make a payment of £40.00 on the 16th Jan 2020

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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not sure where we ever said to say any of your debts were statue barred?

they can't be as in post 1 you said you were paying them all?

you seriously need to read a good few threads in this forum yours is in.

can you post up the 2 letter of claim replies you sent out.

and you are still leaving pers info showing in your pdfs!!

  • Like 1

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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