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Parcel delivery insurance is prohibited under section 57 – Consumer Rights Act – Read about It Here and in The Times. ×


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    • BankFodder
      Lost items sent through Parcel2Go and EVRi

      By BankFodder · Posted

      Before you do any of the above – Stop! You need to spend a few days reading up on the stories on this sub- forum so that you understand the principles and you understand how to go about making your claim. We will help you – and you have a better than 95% chance of getting your money back – but you need to be in control of what you are doing. We will help you – but this is a self-help forum and you need to have done the reading so that you are confident of each step and you know your way forward. Please don't do anything at all – in particular don't send a letter of claim – until you have done all the reading and I would suggest that probably you will start drafting your letter of claim over the weekend. Also, you haven't told us anything about what has happened. We don't know dates, items dispatched, value, whether they were properly declared, whether you bought so-called insurance, you have been declined reimbursement but we don't know why. If you want us to help you then you will have to give us this basic information. Also the fact that you are an eBay trader makes this slightly more complicated although it doesn't at all affect your chances of success.  Read the other threads on this sub- forum – and especially the pinned threads at the top in order to understand the principles. You also quickly understand the kind of help that we will give you and you will understand some of the draft documents which have been used in other successful claims.
    • jk2054
      Appeal Bundles - Civil Appeals - Parcel Delivery Firms

      By jk2054 · Posted

      Thanks, I'm finishing up the skeleton and hope to have it done today. Will look at statement of case too and get that done over the next few days.
    • London1971
      Lowell/Overdales letter of claim now claimform - 2019 paypal EU debt

      By London1971 · Posted

      I'm going to do just that  
    • Nicky Boy
      Excel ANPR PCN Letter Of Claim - Appealed - Gallagher retail park, Huddersfield, HD5 0AN

      By Nicky Boy · Posted

      But, but, but... They've already sent you a letter of claim, which said... "Should the outstanding balance not be settled by 20/04/20204 we will commence legal proceedings against you without further notice." 🤣 🤣 🤣
    • Buncrana
      EPC/DCBL PCN - appealed - MFG Esso Cobham

      By Buncrana · Posted

      Thanks DX, I appreciate that.   I've sent off the change of address to them. They should have that by now...

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      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.

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      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.

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      OT APPROVED, 365MC637, FAROOQ, EVRi, 12.07.23 (BRENT) - J v4.pdf
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Parcel delivery insurance is prohibited under section 57 – Consumer Rights Act – Read about It Here and in The Times.

Lowell and old Vanquis card debt

the priest
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the priest

the priest

Posted
Posted

Hi

Based in scotland and being constantly harassed by Lowell ie calls and letters. 

They are chasing me for £1150 credit card debt.

I am at my wits end on how to approach and deal with them.

I took early retirement 2 years ago because of severe mental health issues which were affecting my daily work routine. 

I am 60 years old and a homeowner without a mortgage, 

any help would be greatly appreciated. 

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the priest

the priest

Posted
  • Author
Posted

Hi

Based in scotland and being constantly harassed by Lowell ie calls and letters.  They are chasing me for £1150 credit card debt. I am at my wits end on how to approach and deal with them. I took early retirement 2 years ago because of severe mental health issues which were affecting my daily work routine.  I am 60 years old and a homeowner without a mortgage,  any help would be greatly appreciated. 

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Kyosanto

Kyosanto

Posted
Posted

Someone will be here to advise but in the meantime please add more information.

Was the debt actually yours?

When did you contract it?

When was the last time you made a payment against it (if any) ?

Whilst I'm sorry to hear about your Mental health, it probably won't be a factor in this, not at first. Stick to numbers and dates for now.

you will also want to have a read on the many pinned threads in this forum, like this:

 

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lolerz

lolerz

Posted
Posted

Unfortunately Lowell won't give a toss about your mental health and wellbeing.

You should ignore them *totally* until you get a letter of claim (this will usually come from Overdales, who are the same people just in a different part of the building). Then come back here and we'll deal with it.

I do hope you're able to make some small steps towards a more positive outcome re: your mental health though.
 

We could do with some help from you.

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Have we helped you ...?         Please Donate button to the Consumer Action Group - The National Consumer Service

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Nicky Boy

Nicky Boy

Posted
Posted

Sorry Rebel,

My bad...

You're here...

https://www.consumeractiongroup.co.uk/topic/463668-lowell-chasing-an-old-debt-again/#comment-5236502

 

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

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dx100uk

dx100uk

Posted
Posted

@the priest

slow down and stop contacting them. never ever ever use the phone or email. writing ONLY.

you say this was a credit card?

who was the original creditor please?

and have you moved since taking this card out and never informed the OC?

a DCa is NOT A BAILIFF

and have 

ZERO legal powers on ANY debt - no matter WHAT it's type.

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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lolerz

lolerz

Posted
Posted (edited)

As Lowell are now the owner of the debt you should write to Lowell informing them of your new address.

Can be as simple as "Please note that my current address is xx"

Quote your reference number at the top.

Protects you from backdoor CCJs, as they're quite legally entitled to send a court form to your old address if that's the last one they officially have on file. Grabbing your current address off a credit report is just them getting lucky to have reached you normally :)

Edited by lolerz
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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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  • dx100uk changed the title to Lowell and old Vanquis card debt
dx100uk

dx100uk

Posted
Posted

retitled and moved to the provident 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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dx100uk

dx100uk

Posted
Posted
4 hours ago, the priest said:

What or where is the provident forum ?

The creditor was for Vanquis - whom are owned by provident

yes I have moved but I don't think I told them ? - never run from debt.!

Why does that matter ?

 

because...

8 hours ago, lolerz said:

As Lowell are now the owner of the debt you should write to Lowell informing them of your new address.

Can be as simple as "Please note that my current address is xx" Quote their reference number at the top.

Protects you from backdoor CCJs, as they're quite legally entitled to send a court form to your old address if that's the last one they officially have on file. 

you must must write.

and do the same to any other debt owners of any old debts you last used or paid within say 7 yrs.

you are in danger of backdoor CCJ's that you might not know anything about until court bailiffs appear at your door 

  • 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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