Jump to content


  • Tweets

  • Posts

    • 25/05/2024? That the deadline or the date of the claimform?
    • Banks have different limits above which they require Probate. So it may be Probate is not needed, although as he died with no Will that could complicate things. Is all the £28k with Virgin Money? Your wife should contact all banks who hold his money with the death certificate and ask them what they need to release the funds to her. Most banks have a central "bereavement department". Check their websites. Use that department rather than general call centre or bank branch if they have one. Nearly every bank website has a section on "what to do when a customer dies" so have a search for that. Your wife may also have to provide evidence that she is his daughter. When his wife died it sounds like they had a joint bank account so that's why her money just went across to him. But as it isn't a joint account now transfer to your wife won't be quite that simple.  
    • That explains it then. MET's fantasy is that it's a pay car park.  You're only let off paying if you are a Starbucks customer which you can't be when Starbucks is closed.  'Cos otherwise lots of people would abuse the car park facilities on the far edge of the Stansted Airport area in the middle of nowhere to ... admire the bushes?  Look at the cloudy sky? The important thing is that we have around 140 cases for this site, and MET have only tried court seven times.  Even then, they had no intention of getting as far as a hearing, they were attempting to intimidate the motorists into paying, when the Caggers defended the cases MET discontinued.
    • She's an only child and he as a brother and sister. He has no will and we have done a check on this to find out if he had left one and nothing has come up. He has savings of around 28k His sister and brother are well off so 28k is nothing to them and aren't interested in his money. This just leaves my wife/his daughter. Would this still need to go to probate there is no estate e.g house or business to sell and the amount left in his bank is just small? When his wife died they just closed her bank account and moved her money across to his account and we just assumed that once my wife has handed in the death certificate and shown evidence of who she is the same would apply to her? We don't know yet the council have only just written to us today with a guide of what to do next.  
    • Did your FiL leave a Will and if so who is the Executor? Strictly speaking banks could refuse to take instructions until Probate is granted but In practice I would expect the bank to take instructions to cancel the DD if the Executor presents the death certificate and a certified copy of the Will
  • Recommended Topics

  • Our picks

    • If you are buying a used car – you need to read this survival guide.
      • 1 reply
    • Hello,

      On 15/1/24 booked appointment with Big Motoring World (BMW) to view a mini on 17/1/24 at 8pm at their Enfield dealership.  

      Car was dirty and test drive was two circuits of roundabout on entry to the showroom.  Was p/x my car and rushed by sales exec and a manager into buying the mini and a 3yr warranty that night, sale all wrapped up by 10pm.  They strongly advised me taking warranty out on car that age (2017) and confirmed it was honoured at over 500 UK registered garages.

      The next day, 18/1/24 noticed amber engine warning light on dashboard , immediately phoned BMW aftercare team to ask for it to be investigated asap at nearest garage to me. After 15 mins on hold was told only their 5 service centres across the UK can deal with car issues with earliest date for inspection in March ! Said I’m not happy with that given what sales team advised or driving car. Told an amber warning light only advisory so to drive with caution and call back when light goes red.

      I’m not happy to do this, drive the car or with the after care experience (a sign of further stresses to come) so want a refund and to return the car asap.

      Please can you advise what I need to do today to get this done. 
       

      Many thanks 
      • 81 replies
    • Housing Association property flooding. https://www.consumeractiongroup.co.uk/topic/438641-housing-association-property-flooding/&do=findComment&comment=5124299
      • 161 replies
    • We have finally managed to obtain the transcript of this case.

      The judge's reasoning is very useful and will certainly be helpful in any other cases relating to third-party rights where the customer has contracted with the courier company by using a broker.
      This is generally speaking the problem with using PackLink who are domiciled in Spain and very conveniently out of reach of the British justice system.

      Frankly I don't think that is any accident.

      One of the points that the judge made was that the customers contract with the broker specifically refers to the courier – and it is clear that the courier knows that they are acting for a third party. There is no need to name the third party. They just have to be recognisably part of a class of person – such as a sender or a recipient of the parcel.

      Please note that a recent case against UPS failed on exactly the same issue with the judge held that the Contracts (Rights of Third Parties) Act 1999 did not apply.

      We will be getting that transcript very soon. We will look at it and we will understand how the judge made such catastrophic mistakes. It was a very poor judgement.
      We will be recommending that people do include this adverse judgement in their bundle so that when they go to county court the judge will see both sides and see the arguments against this adverse judgement.
      Also, we will be to demonstrate to the judge that we are fair-minded and that we don't mind bringing everything to the attention of the judge even if it is against our own interests.
      This is good ethical practice.

      It would be very nice if the parcel delivery companies – including EVRi – practised this kind of thing as well.

       

      OT APPROVED, 365MC637, FAROOQ, EVRi, 12.07.23 (BRENT) - J v4.pdf
        • Like
  • Recommended Topics

Lowell/Overdales claimform - Newday credit card debt


style="text-align: center;">  

Thread Locked

because no one has posted on it for the last 207 days.

If you need to add something to this thread then

 

Please click the "Report " link

 

at the bottom of one of the posts.

 

If you want to post a new story then

Please

Start your own new thread

That way you will attract more attention to your story and get more visitors and more help 

 

Thanks

Recommended Posts

I can't get through to the AOS page. Post 22 shows that they expect me to have received a password by post.  Ihavn't.  Is this an additional security feature they have added to ensure I actually live at the address I claim to?  I am only guessing at this.

Link to post
Share on other sites

its on the 1st page of the claimform!! information box at the end

 

follow our flippin guide!!

 

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... 

Link to post
Share on other sites

Got through

A claim was issued against you on 12/04/2023

Your acknowledgment of service was received on 21/04/2023

 

 

"Start defense."  I dare not do anything without you holding my hand..

Link to post
Share on other sites

its defence , we are uk not america.

 

read the guide!!

 

you've done aos good

 

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... 

Link to post
Share on other sites

Will you clarify something for me? If I posted a cheque for the whole balance, (Which I definitely wouldn't.) and sent it recorded delivery for safe arrival, a DCA may not sign for it?

 

Please complete all fields marked *

 

Please state your defence in a maximum of 122 lines in the box below.*

 

Do I leave this bit for now

 

Please complete all fields marked *

 

Please state your defence in a maximum of 122 lines in the box below.*

 

Do I leave this bit for now??

Link to post
Share on other sites

  1. Aos is done leave the site follow the guide it say click thru to the end leave the site.

I can see you are going to be a nursemaiding candidate if you dont get reading up!

 

and we dont nursemaid....

 

we dont get paid

we are volunteers

cag is selfhelp.

 

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... 

Link to post
Share on other sites

On 21/04/2023 at 22:50, overdone2 said:

Will you clarify something for me? If I posted a cheque for the whole balance, (Which I definitely wouldn't.) and sent it recorded delivery for safe arrival, a DCA may not sign for it?

 

thats not how to resolve this. 

 

dont ever forget.

no human to date has been involved in how you got to where you are

 

its all an automated system that does this, 

now what other letters prior to the court claim did you get please.

 

On 21/04/2023 at 23:56, overdone2 said:

Thank you. You have been more than helpful. I will await to hear from the solicitors by post.

 

no you do not wait

you must go look at claimform card threads

box

 

you can do this by using our labelled enhanced google search box

lowell claimform card

 

your defence is due by 4pm day 33 from the date top right on the claimform 

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... 

Link to post
Share on other sites

Today I discovered buried away the letter from Lowells saying I now need to make payments to them instead of Newday. Dated 08/08/22. You can guess at how that reads because like you suggest it's computer generated.

Link to post
Share on other sites

have you had a letter of claim with a reply pack that wanted your I&E?

and you ignored it?

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... 

Link to post
Share on other sites

income and expenditure...

 

listen theres no good now keep asking questions

 

the time has come whereby you need to go read a few good 10's of threads i pointed too then everything will become clear.

 

put out of head to date everything you think is the way to go.

 

go learn....read up here 

 

all your questions will be answered and more

 

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... 

Link to post
Share on other sites

I don't recall The solicitors asking for this, but they will be very disappointed.

 

I get DLA-protected income and incapacity benefit and can only afford a pound a month token payments by way of debt management plan. (Worst case scenario) all thanks to the Russian war and increased gas bills.

Link to post
Share on other sites

who says you owe anything , look at it this way...

 

if you did owe the money...why did newday a big multi national company not take you to court and crush you....funny that eh?

 

they decided to sell it on for 10p=£1 and lose out.... weird huh.

 

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... 

Link to post
Share on other sites

when did you take this card out?

when did you last use it/pay anyone ?

 

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... 

Link to post
Share on other sites

strange to think newday sold the debt on and not take you to court themselves and crush  you eh?

 

please read what our templates say at the top in red.

 

i though you said you'd already sent cpr 31.14 to  overdales?

 

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... 

Link to post
Share on other sites

Yes Overdales signed for it yesterday according to the Royal Mail online.  I think the hard copy credit agreement on this card arrived after I had had the card 3 days.  I did not return it.  I'm 90 per cent sure.

Link to post
Share on other sites

Ok get reading up on like claims here now 

 

Nothing else to do for you till defence filing date 

 

Stay focussed only doing that . please!!!!!!

 

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... 

Link to post
Share on other sites

"Like claims?"

I am new to navigating this site and can't work the search bar at the top of this page to produce a similar thread, which was resolved successfully.

 

I'm at an age where I do not absorb new information as lucidly as once I did.as you may have guessed.

 

Would you be kind enough to insert a link to a thread you recommend? 

 

It might be an old thread of yours, where someone struggled but got there eventually. 

 

I'm seeking a sample of a list of reasons you can use in defence.

Just examples mind you.

They may not apply in my case.

Link to post
Share on other sites

which is why i said use our enhanced google search box not the top one in the red banner

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... 

Link to post
Share on other sites

I can find the enhanced google search box. Navigating CAG is difficult for us newbies. How do I find it?

 

https://www.consumeractiongroup.co.uk/topic/443025-lowelloverdales-letter-of-claim-now-claimform-old-three-mobile-debt/

 

I did a main Google search. My thread came up, this one, plus another listed above. I found in post 15 a defence.  Mine will not be identical obviously but I now have greater clarity than I did before. This I found reassuring so many thanks.  It appears Lowells rely on devious strategies and you not being as informed as CAG will inform you.

Link to post
Share on other sites

the enhanced by google - google seachbox is on every page, even this one you are reading. scroll up 

 

however to smooth things ive done it for you and copied it below.

 

read a good few 10's of threads not just one!!!

 

its a generic defence holding/no paperwork one ,in most threads below .... simply change it for your dates.

 

clickme^^

 

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... 

Link to post
Share on other sites

  • 2 weeks later...

 

 

2cnd May 2023

 

Dear Overdone 2

 

We confirm receipt of your recent letters and the Acknowledgement of service.

 

Our client has instructed us to collect the balance outstanding on an account previously held with Newday Limited. This was opened with Aqua 0n 00/10/2015. 

 

The last payment was made to the original creditor on 00/05/2022 for £5.25 and the default was reported to the Credit reference agencies in May 2022.

 

Your request for documents under the consumer credit act 1974 (CCA) and under the CPR 31 14 have been noticed.

 

We have now requested copies of the agreement,, Default notice and a statement from the original creditor, these will be provided to you in due course.  

 

We can confirm that the benefit of that contract was legally assigned to our client pursuant to section 136 of the Law of property act 1925 and the required notice of assignment was sent to you.  Please find enclosed a copy of the notice of assignment as requested.

 

Should you wish to dispute the matter further you are entitled to seek independent legal advice.

 

Please ensure you respond to the County Court claim as you deem appropriate with the timescale set out by the court.

 

Failure to respond Claim within the court  timescales may result in us applying for a county court judgement in default to be entered.  This would mean further costs and could make it difficult for you to obtain credit, mortgages whilst it remains unsatisfied on your credit file for up to six years.

 

Yours sincerely

 

Overdales

Link to post
Share on other sites

  • Recently Browsing   0 Caggers

    • No registered users viewing this page.

  • Have we helped you ...?


×
×
  • Create New...