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    • You haven't returned to the thread to give us your views, but a couple of other things strike me which you should consider: 1. You say that at no time was your father's licence revoked by the DVLA. It didn't have to be revoked. It expired in September and his "entitlement to drive" (of which the licence provides proof) expired along with it. He could only continue driving whilst his application was being processed by virtue of s88, and it seems clear to me (based on what you have said) that he was not able to take advantage of the benefits provided by that section. 2. The letter he received threatening to revoke his licence was probably a template letter sent when any medical issues are brought to the attention of the DVLA. But it is clear that beyond September until it was eventually renewed, your father had no valid licence to be revoked. I believe a "not guilty" plea in court will fail. The basic facts are that your father's licence expired in September, it was not renewed until February because the DVLA were looking into his medical declaration and he could not take advantage of s88. So in December he had no licence and no entitlement to drive under s88. The facts that he believed he was fit to drive and that his licence was eventually renewed may mitigate the offence but they do not provide a defence. I also asked whether he had received a summons (very unusual these days) or whether he had received a "Single Justice Procedure Notice". The way to proceed from here differs slightly depending on what he has received so if you let me know, I'll advise further.  
    • Well, what I've read from various sources suggest if a CCJ is 6 years old that if becomes pretty much ineffective for enforcement purposes in its original form.  And that if it's about to expire then the claimant needs to apply to the court to extend the original CCJ within the final year.  Even if they do apply for an extension within the 6 years they have to have a very strong argument for doing so such as the person being out of the country or could not be traced, basically show they were actively still perusing the debt I guess. Now if a claimant ever does apply within the 6 years to extend the CCJ, would the person named on if be notified by the court that such an application has been made?.  In my case I've heard nothing from the court so assume no such application has been made.  The original CCJ in my own case is now a year beyond the 6 years of issue so must now make things even less likely again. So whilst the CCJ exists that they have not enforced it in that time must surely make it unlikely they can now take it back to court because as said it would be very rare for a judge to agree to such action now. That said, I guess they now can't use the CCJ to continue with any action for an attachment order to our mortgage either?
    • Donald Trump now banned from countries including Canada and UK as convicted felon WWW.INDEPENDENT.CO.UK There are 37 countries that bar felons from entering, even to visit.  
    • Well, they trashed their last election manifesto pledges, so nothing new really is it? They just find weasel words to try to claim they haven't actually failed if you just look at it just a little squinted and in this particular way  - and are stupid.
    • I think they're inventing stuff now. They seem to know they won't be around to implement any of it.
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  • 2 weeks later...

I haven't sent a response to lowells yet as been struggling with man flu.

Just popped back from work to find a card in my letter box, it says we are urgently trying to contact you. Its supposed to look like someone has been round and hand posted it, but it shows it was delivered by second post. How stupid do they think i am? Will send them letter saturday recorded delivery to make sure it gets signed for. If i send tomorrow it will get there saturday when i suppose nobody will be there. I will offer them 20% full and final settlement take it or wait maybe 2 years for case against cap one to conclude. Haven't started case yet though. But won't tell them that

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Make sure if you offer any form of settlement that it's on the condition that the data is completely removed from your credit file

 

 

and will not in any form or variation therof be re-instated

 

FC actually read a thread where it was re-instated so beware !!!!

:cool: sunbathing in juan les pins de temps en temps

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  • 1 month later...

Haven't been on for a while as have ignored all letters during the christmas period. I've had a host full of letters from lowells. They have rejected my settlement offer and have said as capital one refuse to pay me back my Ppi and charges that shows there is no dispute.

So i sent them a letter saying all the big banks have refused to pay up, but when brought to court they settle. So how can they say there is no dispute. Told them they will not be seeing any payments til I've claimed back charges from cap one, and also when they have provided me with an executed credit agreement, not an application form which does not have all the correct terms and conditions.

They now have fast tracked my account to debt collection. They are in the process of assessing my account in order to make a decision whether to commence litigation against me, or visit me at home to discuss repayment!

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They now have fast tracked my account to debt collection. They are in the process of assessing my account in order to make a decision whether to commence litigation against me, or visit me at home to discuss repayment!

 

LOL. What a crock of... um, bovine excrement from the threat-o-matic.

 

Send them a formal complaint, and then refer this to the F.O.S. as a breach of their waiver;)

i will be off site for the next month or so. if you have any problems, feel free to report the post so a moderator can help you.

 

I am not a qualified or practicing lawyer.

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  • 2 weeks later...

New threatomatic arrived today.

After reviewing your account is has been decided the best form of action before we consider litigation is to look to send an agent to visit you at your home address. Unless you contact us within 5 days from the date of this letter our agent will contact you with a view to arrange a visit monday to saturday betweenr the hours of 8 am til 9pm. This debt is not going away and we are giving you every opportunity to repay and meet your obligation.

Best make sure I've got some milk in the house, and some rich tea biscuits.

Wondering whether to send them a letter saying i may win the lottery and pay some money. Ha ha. The bit at the bottom about meeting my obligation makes me laugh. I have no obligation to pay them anything.

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  • 2 weeks later...

Well, the five days passed and still on field agent has called. However just recieved a letter apparently from red debt collection saying they have appointed as duly authorised debt collectors for the outstanding balance. If i do not have an agreed repayment scheme in place by the 14th of feb they will send a field agent to visit me or commence legal action against me to recover the debt.

The header at the top of the paper still says lowell portfolio. Have they forgot to put the red collection header paper in the printer? Ha ha

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  • 2 weeks later...

Another deadline has passed. And another threatomatic has arrived from red collection with the correct header on the top of the paper.

I have til the 23rd now to make payment or a set up a payment plan, or i will be visited at home or brought to court. They threaten a charging order against my property. I don't think the housing association will be to pleased! Ha ha

Last week i sent a letter i borrowed from curly ben saying i was bemused why this account has been passed to them whilst in dispute. Also mentioning that they are violating the administration of justice act 1970 section 40.

But they still keep harassing me. Arghh!

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Well i'm not sure if I've won or not.

I've just recieved a letter from lowell's and it says:

we refer to your recent request for a copy of the original credit agreement in respect of the consumer action group 1974. After liasing with our client in an effort to obtain this document we have been advised that it is no longer available. Under the circumstances, we have closed our files in relation to this account which has been returned to our client. We can confirm that no further contact will be made by us regarding this account.

If the client has admitted they no longer have the document surely i should here no more from anyone. Also they had been sold the debt by capital one, so how can they return to the client.

Not sure if it'll be the end but its great news none the less.

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Yes it is great news Danny, however, don't be surprised if another DCA rears its ugly head, it's not uncommon. Just make sure you keep that letter in a safe place ;)

 

Obviously, Cap One don't have the agreement either so no CCA, no enforceable debt.

 

Just sit tight and see if anything else arrives :)

 

we refer to your recent request for a copy of the original credit agreement in respect of the consumer action group 1974.

 

I didn't realise CAG had been going that long :eek::D

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I've already had my application form sent to me which i was told was my agreement. So they have finally admitted it is not the agreement, in a round about way! Also with the Ppi insurance in dispute they might think twice now and i might be lucky to see the back of them. Well i'm starting to feel a art more confident now. But knowing my luck, especially this week (been a bad one at week) I'll get court papers through. Ha ha

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One question comes to mind is how greedy are these dca's. I have offered them about %20 final settlement in the past and they have turned this down. Now they have finally sent this back to the original creditor. They probably paid 10% for the debt. So they have turned down a chance of 100% profit. I can't see why they didn't just send me a letter saying we will now accept your offer, instead of passing back to the original creditor after wasting months of time, effort and postage costs. It makes no sense?

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