Jump to content


  • Tweets

  • Posts

    • I do disagree with you regarding one thing - we are not very good with letters or these situations and are slow on the uptake. So far you have stood up to Excel and their threats, immediately given us the information in the sticky, done loads of reading up to educate yourselves, learnt from the mistake of outing the driver so you'll know not to do so in the future, got on to the organ grinder to try to get them to call off their dogs, etc., etc.  Good grief - we wish everyone who came here would do this!!! Most people who get these invoices sadly think they have been fined and if they don't pay a drone from Ukraine will be diverted and will fall on their home (or some such vague grand apocalyptic threat) and they fold and give in.  You haven't.  Well done. Don't worry - you won't be paying a penny.  Although it will take some time to see off this vile company.
    • Spot on!  You learn quickly. Who cares if the case gets sent to debt collectors?  They have no powers.  All the effort you will have to put in will be to open envelopes - and then spend time laughing at their daft "threats".  No stress at all!
    • I did ask them why, but seems they have more spare cash than we do .. ;-( .. I doubt their bank would even support a chargeback after a year has passed. Anyway I've constructed my first DRAFT Snotty Letter .. so here goes ..   RE: PCN 4xxxxx Dear ALLIANCE PARKING Litigation Dept, Thank you for your dubious Letter Of Claim (dated 29th April 2024) of £100 for just 2 minutes of overstay. The family rolled around on the floor in amazement of the idea you actually think they’d accept this nonsense, let alone being confused over the extra unlawful £70 you had added. Shall we raise that related VAT issue with HMRC, or perhaps the custodians of the unicorn grain silos? Apart from the serious GDPR breach you’ve made with the DVLA and your complete failure in identifying the driver, we’re dumbfounded that the PCN is still not compliant with the PoFA (2012 Schedule 4 Under Section 9.2.f) even after 12 years of pathetic trial and error. We also doubt a judge would be very impressed at your bone idleness and lack of due diligence regarding the ANPR entry / exit periods compared with actual valid parking periods. Especially with no consideration of the legally allowed grace periods and the topological nature of the Cornish landscape versus a traditional multi-storey. And don’t even get us started on the invisible signage during the ultra busy bank holiday carnage, that is otherwise known as the random parking chaos in the several unmarked over-spill fields, or indeed the tedious “frustration of contract” attempting to get a data connection to Justpark.  We suggest your clients drop this extreme foolishness or get an absolute hammering in court. We are more than ready to raise the issues with a fair minded judge, who will most likely laugh your clients out in less time than it takes to capture more useless ANPR photos. We will of course be requesting “an unreasonable costs order” under CPR 27.14.2.g and put it toward future taxis to Harlyn Bay instead.  We all look forward to your clients' deafening silence. Legal Counsel on behalf of the Vehicle Keeper.  
    • Hi,t I'm not sure if I'm posting in the right subsection but General Retail appears to be the closest to it I think... About a year and a half ago I got a new phone so I listed my iPhone 10 on eBay.  The listed stated 'UK only' and 'no returns accepted'. Considering I had had the phone for about 4 years, I myself was amazed that I had kept it in such good condition all that time - apart from being slightly scuffed around the charging port there was absolutely nothing wrong with it. It had the original box, its unopened original Apple cable, plug, and earbuds, and I threw in a case for it and It had always had a screen protector on it. Someone wanted it from Armenia, and I stupidly agreed to it.  She paid and I sent it off, fully insured. Not long after she received it, she sent a message saying it 'was not as described', so I asked to see photos of whatever was the problem.  She sent two photographs of the box.  Just the box.  I said I wasn't even going to consider refunding her unless she told me what she meant by 'not as described'.  I thought, if it's been damaged in transit, then it would be covered by the insurance. Anyway, she didn't respond at all, even though I had messaged her several times, so she opened a case with eBay. I have sold a fair few things of mine on eBay in the past buy had never had had anyone come back to me asking for a refund.  I got in touch with eBay several times by phone and by email, and found out they always side with the buyer, no matter what with their 'eBay Seller Guarantee'.  She had been told she could keep the phone and told me they would recover the money from me from my account blah blah.  So I unlinked all of my cards etc and changed my bank account to one that I never use with no money in it. My account got suspended.  I continued to try to explain to eBay that I had been scammed but I got nowhere. My account was permanently inaccessible by this point. I reported the phone stolen and the IMEI blacklisted but I'm not sure if that would make any difference being in Armenia, but it was all I could think of to piss the buyer off. A couple of months later I was contacted by email by a debt recovery company (I can' remember who now), to whom I explained I will not discuss the matter with them until I had received an SAR I had requested from eBay. As I could no longer access my account, I couldn't review the communication I needed to show I was not in the wrong. The SAR was produced but I was advised that the information I was looking for would not be included but I said I wanted it anyway.  There were so many codes etc. and hoops to jump through to access it, that even after trying whilst on the phone to them, I still couldn't get into it, so I never got to see it in the end.  I think they said they would send the code by post but they never did and I forgot about it after a while. I've just come across a couple of emails from Moorgroup, asking me to phone them to discuss a private matter regarding eBay.  I haven't replied or done anything at all yet.  The amount they are trying to recover from me is £200ish from what I remember. I know it's not that much but I don't want to pay the b*astards on general principle. I've had a lot of useful advice from CAG in the past about debt collectors but it has always been about being chased by creditors, I've never been in this situation before. I don't know what power they legally have to recover the 'debt', and most importantly, I am two years into a DRO, and the last thing I want is another CCJ to shake off if I'm cutting my nose off to spite my face.   Any advice gratefully received!!
    • Hi, I have the Sims 4 on Macbook. Over the last year I have paid for multiple add on packs spending a lot of money on them. I bought them all in good faith as my Mac met all the minimum requirements to play them. I have been playing happily for about a year and bought my latest pack just over a week ago. The games were all working fine yesterday. Then suddenly today EA released a new app to launch the games and this new app requires a MAC OS that my computer cannot use. Now suddenly none of my games are accessible and I am unable to play anything. They did not warn us about this change in requirements and if I had known they would be doing this I wouldn't have bought all these add ons as they are now all totally unusable. The games themselves have not changed, only their app to launch them and I can't afford to buy a brand new mac just to play. So my question is how can they change the minimum requirements after I have paid for a game? I agreed to pay for them based on the fact my mac met their requirements and was not informed when purchasing that this would be an issue in the future. I understand new games (like Sims 5 which is to be released next year) might not be compatible but this is a 10yr old game that they have suddenly made inaccessible due to their new launch app. Does anybody know if I can do anything or anyway to get a partial refund from them? Thanks   Here are their T&C... I can't find anything in there about them being able to do this so not sure what to do https://tos.ea.com/legalapp/WEBTERMS/US/en/PC/
  • 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 portfolio 1 - HELP


style="text-align: center;">  

Thread Locked

because no one has posted on it for the last 5839 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

This company above gave me a Default on my credit file for a debt from capital one.

 

I sent this company a CCA and £1 and how long do they have to respond and if they dont what is the next step?

 

They gave me a default for a debt that was from a credit card not from them and i never signed anything from this company or got notifed about getting a default.

 

Now i got a letter from another company saying the above company has sold the debt onto them and now there chasing it.

 

Can anyone help please

Link to post
Share on other sites

after 12 days the agreement is unenforceable and after 28 days it is a criminal offence. Maybe not paying them could be a good idea.

Link to post
Share on other sites

after 12 days the agreement is unenforceable and after 28 days it is a criminal offence. Maybe not paying them could be a good idea.

 

 

am not paying them as they have passed the debt to another company and i want the CCJ removed they put on my record

Link to post
Share on other sites

Your thread moved here.

First of all you should send an s10 notice to the original creditor Cap 1.

This will be useful, later if you decide to launch County Court action for removal.

LP should have informed you that the debt had been transferred......We do need a little more info tho.

When did Cap 1 sell this debt to LP ?

Are there unlawful penalty charges involved wholly or in part with regards to this debt.

At any point have you acknowledged liability for the debt and if so what were arrangements/responses from you and LP ?

Have the new owners been in contact ?

My guess is that LP could not supply the info from your CCA request so offloaded.

They should be reported to your local trading standards and also the FOS.

From what you say you already have enough to take steps to put an end to this,and there is legislation in place to do just that.

Unfortunately if you read some threads in this section you will clearly see that DCAs are not interested in playing ball.

It would be interesting to hear from other members who have had dealings with LP too.

Have a happy and prosperous 2013 by avoiiding Payday loans. If you are sent a private message directing you for advice or support with your issues to another website,this is your choice.Before you decide,consider the users here who have already offered help and support.

Advice offered by Martin3030 is not supported by any legal training or qualification.Members are advised to use the services of fully insured legal professionals when needed.

 

 

Link to post
Share on other sites

Correct me if I am wrong but I understood the CCA request and timescales are only valid on Live consumer credit Act agreements and not one that accounts have been closed and passed for debt collection. That's how I understood it from some threads on here.

 

Hope that helps

Capital One - Claim filed 5.12.06 6QZ90559 £759.25 (15/12/06 not aknowledged yet)

MBNA - Claim filed 5.12.06 6QZ90575 £764.45 (Aknowledged 7.12.06)

Barclaycard - S.A.R - (Subject Access Request) 30.10.06 (County Summons issued for non compliance & Damages - 20.12.06 Penrith County Court £80.00

Goldfish (Lloyds) S.A.R - (Subject Access Request) 30.10.06 - Dropped as Lloyds liable

RBS Visa S.A.R - (Subject Access Request) 30.10.06 - received and holding on as own bank

RBS Bank S.A.R - (Subject Access Request) 30.10.06 (recieved waiting to open new A/c 1st)

 

Lloyds TSB - County Summons issued for non compliance & Damages - 20.12.06 Penrith County Court £80.00

 

Lowell Financial Ltd - County Summons issued for non compliance & Damages - 20.12.06 Penrith County Court £80.00

Link to post
Share on other sites

  • 1 year later...

hi everyone

hope this is going in the right place,its early morning and i`m slightly stunned by the letter i`ve recieved from lowell.i have moved several times in the past couple of years not bothering to register on the electoral role just milling around since being primary carer for my mother who had dementia,i looked after her untill i could do no more (3 years) before eventually giving in to social worker and doctor pressure and putting her in a home who took six weeks to kill her through neglect but thats a different story my problem now is i have recived a letter from the lowell portfolio saying they have been trying to contact me regarding my mothers address and that they have recently been supplied with information that suggests i previously resided there this could be for a number of reasons none of them good unfortunately at the time i was suffering from depression and cant remember much but as they are debt collectors its not gonna be good.when i left there i ran away from the world to try and get over what happened but always steered clear of using that address for anything now i`m employed have a mortgage and a credit card and am in the process of getting my life together and suddenly this happens,the only thing i have done recently is apply for car insurance with a different insurer paying in installments.the only way i can see anyone associating me with old me is through name and date of birth,on this letter it says they want me to contact them to confirm the update of my address details and if i dont they will assume they are correct and update their records accordingly

Do you have a website? Add the following code to add a link to The Consumer Action Group:

 

<a href="http://www.consumeractiongroup.c o.uk"><b><font color="#FF0000" face="Verdana, Arial, Helvetica, sans-serif">The Consumer Action Group</font></b></a> - <font color="#FF9900" face="Verdana, Arial, Helvetica, sans-serif">Reclaim the Right as a consumer and reclaim your unfair bank charges! Free site with letter templates and helpful forum.</font>

 

IF I`VE BEEN OF HELP PLEASE TICKLE MY SCALES :D

Link to post
Share on other sites

hi everyone

hope this is going in the right place,its early morning and i`m slightly stunned by the letter i`ve recieved from lowell.i have moved several times in the past couple of years not bothering to register on the electoral role just milling around since being primary carer for my mother who had dementia,i looked after her untill i could do no more (3 years) before eventually giving in to social worker and doctor pressure and putting her in a home who took six weeks to kill her through neglect but thats a different story my problem now is i have recived a letter from the lowell portfolio saying they have been trying to contact me regarding my mothers address and that they have recently been supplied with information that suggests i previously resided there this could be for a number of reasons none of them good unfortunately at the time i was suffering from depression and cant remember much but as they are debt collectors its not gonna be good.when i left there i ran away from the world to try and get over what happened but always steered clear of using that address for anything now i`m employed have a mortgage and a credit card and am in the process of getting my life together and suddenly this happens,the only thing i have done recently is apply for car insurance with a different insurer paying in installments.the only way i can see anyone associating me with old me is through name and date of birth,on this letter it says they want me to contact them to confirm the update of my address details and if i dont they will assume they are correct and update their records accordingly

Hi Sscat :)

Am just bumping this up for you. You had a dreadful time, I'm sure people here can help you through this part at least. If you start a new thread, it will be easier for us to follow your posts. :) xx

Shrodingers cat's thread is here

Edited by sosumi
added link

We will not be intimidated.

'The pen is mightier than the sword'.

Petition to Outlaw Debt Sale and Purchase

- can't read/post much as eye strain's v.bad.

VIVA CAG!!! :)

Link to post
Share on other sites

hi

thanx i`m having problems finding my way round the site i will try that when i find the new thred bit x

Do you have a website? Add the following code to add a link to The Consumer Action Group:

 

<a href="http://www.consumeractiongroup.c o.uk"><b><font color="#FF0000" face="Verdana, Arial, Helvetica, sans-serif">The Consumer Action Group</font></b></a> - <font color="#FF9900" face="Verdana, Arial, Helvetica, sans-serif">Reclaim the Right as a consumer and reclaim your unfair bank charges! Free site with letter templates and helpful forum.</font>

 

IF I`VE BEEN OF HELP PLEASE TICKLE MY SCALES :D

Link to post
Share on other sites

  • 2 weeks later...

Hello,

I'm new too and not found out how to make a new thread. but i'm also having a problem with Lowell Portfolio 1 Ltd.

They say i owe £156.13 and are acting on behalf of O2. I haven't been with O2 since 2004.

They sent me numerous letters from Red debt collection services and Hamptons Legal.

In response I sent them the recommended letter where you ask for a copy of the credit agreement according to the Consumer Credit Act (CCA) 1974.

However they replied saying that the account agreement I ask for is not regulated under the CCA 1974 and that they are under no obligation to do so.

So now I dont know what to do as they have threatened me with county court proceedings and additional fees for legal proceedings.

If anyone can help, I'd really appreciate it!

Link to post
Share on other sites

Hi squishter,

 

To start a new thread in the 'debt collection industry' forum, simply click go to the forums, click on 'debt collection industry and at the top of the page above the announcements you'll see a 'New thread' Button. It's better if you start your own thread as it makes it much easier for people to help you with out confusion.

 

Cheers

 

Kholo

Link to post
Share on other sites

Hello,

I'm new too and not found out how to make a new thread. but i'm also having a problem with Lowell Portfolio 1 Ltd.

They say i owe £156.13 and are acting on behalf of O2. I haven't been with O2 since 2004.

They sent me numerous letters from Red debt collection services and Hamptons Legal.

In response I sent them the recommended letter where you ask for a copy of the credit agreement according to the Consumer Credit Act (CCA) 1974.

However they replied saying that the account agreement I ask for is not regulated under the CCA 1974 and that they are under no obligation to do so.

So now I dont know what to do as they have threatened me with county court proceedings and additional fees for legal proceedings.

If anyone can help, I'd really appreciate it!

Mobile Phone agreements are not generally covered by the CCA. HOWEVER Lowells must provide you with WRITTEN proof of the alleged debt and their right to collect its.

 

Do please start a new thread of you own and we will help you sort them out

Link to post
Share on other sites

am not paying them as they have passed the debt to another company and i want the CCJ removed they put on my record

Have they actually got a CCJ (County Court Judgement) or is it just a DEFAULT. There is a huge difference

Link to post
Share on other sites

Thank you everyone for your response. I wasn't sure if i was going to get a reply.

Anyway I managed to start a new thread, thanks to Kholo.

http://www.consumeractiongroup.co.uk/forum/debt-collection-industry/145356-lowell-portfolio-1-ltd.html#post1530884

 

But in response to ODC, the letter says "Legal proceedings may now be issued and served upon you without notice through the county court which may then incur you with payment of the following costs: " and they basically go on to list a load of extra costs for solicitors and court fees.

so does this mean it is a CCJ or default?

 

thanks again for your help.

Link to post
Share on other sites

This is bog standard Lowell Bovine Excrement. First of all they have to PROVE a debt exists. Then if you refuse to pay it they MAY take you to court and if they do they MAY be successful and a court MAY order you to pay the debt and the court MAY award costs to Lowells. If you re-read their threatomatic letter you will see that just as in my reply there are an awful lot of IFs and MAYs in their letters.

Link to post
Share on other sites

  • Recently Browsing   0 Caggers

    • No registered users viewing this page.

  • Have we helped you ...?


×
×
  • Create New...