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    • Danny - point taken about the blue paragraphs.Β  Including them doesn't harm your case in any way.Β  It makes no odds.Β  It's just that over the years we've had judges often remarking on how concise & clear Caggers' WSs have been compared to the Encyclopaedia Britannica-length rubbish that the PPCs send, so I always have a slight preference to cut out anything necessary. Don't send off the WS straight away .. you have plenty of time ... and let's just say that LFI is the Contract King so give him a couple of days to look through it with a fine-tooth comb.
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    • Between yourself and Dave you have produced a very good WS. However if you were to do a harder hitting WS it may be that VCS would be more likely to cancel prior to a hearing. The Contract . VCS [Jake Burgess?] are trying to conflate parking in a car park to driving along a road in order to defend the indefensible. It is well known that "NO Stopping " cannot form a contract as it is prohibitory. VCS know that well as they lose time and again in Court when claiming it is contractual. By mixing up parking with driving they hope to deflect from the fact trying to claim that No Stopping is contractual is tantamount to perjury. No wonder mr Burgess doesn't want to appear in Court. Conflation also disguises the fact that while parking in a car park for a period of time can be interpreted as the acceptance of the contract that is not the case while driving down a road. The Defendant was going to the airport so it is ludicrous to suggest that driving by a No StoppingΒ  sign is tacitly acceptingΒ  theΒ  contract -especially as no contract is even being offered. And even if a motorist did not wish to be bound by the so called contract what could they do? Forfeit their flight and still have to stop their car to turn around? Put like that the whole scenario posed by Mr Burgess that the Defendant accepted the contract by driving past the sign is absolutely absurd and indefensible. I certainly would not want to appear in Court defending that statement either. --------------------------------------------------------------------------------------------------------------------------------------------------------- I will do the contract itself later.
    • Yes - ignore. Because of another MET victim today I looked at all our MET cases back to June 2014 ... yes, 10 years. They have never dared take a motorist to court and argue their case before a judge.Β  They have started the odd court case, but as a means of trying to intimidate the motorist into coughing up, when the motorist defended and refused to give in it was MET who bottled it and discontinued.
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Hoist Now Lowells - Barclaycard debt SB'd? File Closed


Baz1994

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I received a letter from Lowell in April 2023 telling me that they acquired Hoist Finance and included information of a notice of assignment for my Credit Card debt.

They have been continuously sending letters regarding arranging a repayment plan in which I have ignored.

In April 2020 previously received a letter from Robinson Way in which I responded with I have no knowledge of debt letter etc and received no reply.

Β My problem is I cannot remember when the account defaulted but vaguely remember it was around 2016 so possibly statute barred.

There is nothing showing on my Credit File for this debt in which is strange.

My question is if I reply with a No Knowledge of Debt letter or CCA request to the DCA, does this start the 6 year period ticking again?

Any advice would be appreciated.Β Β 

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1 hour ago, Baz1994 said:

does this start the 6 year period ticking again?

No

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

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CCA request if you have never done one. I would assume its statute barred thoughΒ 

2 hours ago, Baz1994 said:

There is nothing showing on my Credit File for this debt in which is strange.

Β 

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

Β 

Have we helped you ...?Β  Β  Β  Β  Β PleaseΒ Donate buttonΒ to the Consumer Action GroupΒ -Β The National Consumer Service

If you want advice on your TopicΒ please PM me a link to your thread

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sent 'em our sb letter from the debt collection library surely is the best route, doesn't matter what paperwork they do or do not hold if it's SB'd.....

please don't hit Quote...just type we know what we said earlier..

DCA's view debtors as suckers, marksΒ and mugs

NO DCA has ANY legal powers whatsoever on ANY debt no matter what it's Type

and they

are NOT and can NEVERΒ  be BAILIFFS. even if a debt has been to court..

If everyone stopped blindly paying DCA's Tomorrow, their industry would collapse overnight...Β 

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Posted (edited)

Ok many thanks again both of you and will keep you posted.

May opt for the prove itΒ  / CCA letter first to the DCA as unsure exactly when last payment made.

Β 

Edited by Baz1994
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i would very much doubt you paid after the DN was issued by BC.Β 

not harm in your ringing BC and asking.

sending the SB letter by 2nd class post with free proof of posting is much simpler the 2 other letters that simply invites pointless letter tennis.

lowells willΒ  soon write back if they claim it's not SB'd.

cant hurt you at all...then you can do the CCA request if necessary.

also what might be important here is if you've moved in recent years and never written to inform your debt owners you have.

should this be the case, you are in danger of a backdoor CCJ, which might be what lowells are upto.

the prove it letter for debts regulated by the CCA is a waste of time as CCA debts are now covered by the pre action protocol....thus must issue a letter of claim...however if you've moved you'll never see it as it will be sent to your old address registered with BC or as was robbersway (hoist) when you last wrote to them..

dx

please don't hit Quote...just type we know what we said earlier..

DCA's view debtors as suckers, marksΒ and mugs

NO DCA has ANY legal powers whatsoever on ANY debt no matter what it's Type

and they

are NOT and can NEVERΒ  be BAILIFFS. even if a debt has been to court..

If everyone stopped blindly paying DCA's Tomorrow, their industry would collapse overnight...Β 

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Cheers dx.

Did you say Statute Barred letter in Library?

I have not changed my address for nearly 24 years.

My concern is Barclaycard may have refunded some small charges (not at my request) within 6 years ago but not recently.

My debt balance slightly less than I thought.

No previous PPI on the account.

Sorry but trying to rake my brain at the moment before the best course of action.

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it is only a payment from YOUΒ  that resets sb clock

any penalty charges refund due to BC not sending a notice of sums in arrears before levying them and the interest they attract does not count as a payment from YOU.

send the SB letter.

dx

please don't hit Quote...just type we know what we said earlier..

DCA's view debtors as suckers, marksΒ and mugs

NO DCA has ANY legal powers whatsoever on ANY debt no matter what it's Type

and they

are NOT and can NEVERΒ  be BAILIFFS. even if a debt has been to court..

If everyone stopped blindly paying DCA's Tomorrow, their industry would collapse overnight...Β 

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  • 3 weeks later...

Hi just an update.

I today received a reply from Lowell's to the Statute Barred letter sent.

"We have reviewed your account and decided to take no further action to recover the balance. We have now closed the account".

Thank-you again for your help.Β 

Β 

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hey you won

ruddy chancers

thread title updated

dx

please don't hit Quote...just type we know what we said earlier..

DCA's view debtors as suckers, marksΒ and mugs

NO DCA has ANY legal powers whatsoever on ANY debt no matter what it's Type

and they

are NOT and can NEVERΒ  be BAILIFFS. even if a debt has been to court..

If everyone stopped blindly paying DCA's Tomorrow, their industry would collapse overnight...Β 

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  • dx100uk changed the title to Hoist Now Lowells - Barclaycard debt SB'd? **Won File Closed**
Posted (edited)

I know dx and thanks again for yours and others help.

I was 99.999% certain last payment was over six years ago if not longer.Β 

πŸ‘

Edited by Baz1994
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  • AndyOrch changed the title to Hoist Now Lowells - Barclaycard debt SB'd? File Closed

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