Jump to content


  • Tweets

  • Posts

    • HI DX Yes check it every month , after I reinstated the second DD I was checking every week. Also checked my bank statements and each payment has cleared. When responding to the court claim does it need to be in spefic terms ? Or laid out in a certain format? Or is it just a case of putting down in writing how I have expained it on CAG?
    • Come and engage with homelessness   Museum of Homelessness MUSEUMOFHOMELESSNESS.ORG The award-winning Museum of Homelessness (MoH) was founded in 2015 and is run by people with direct experience of homelessness. A very different approach. If you're in London you should go and see them
    • You have of course checked the car is now taxed and the £68 is stated against  the same reg?  If the tax for the same car did over lap, then I can't see you having an issue pleading not guilty Dx
    • The boundary wiill not be the yellow line.  Dx  
    • Afternoon all Looking for advice before I defend claim for car tax payment that the DVLA claim I owe £68 from an idemity claimback from my bank and unpaid tax  brief outline. Purchased car Jan 30th ,garage paid the tax for me after I gave them my card details  first payment £68 out in Feb 24  followed by payment of £31 from March due to end Jan 24 Checked one of my vehicle apps and about 7-10 days later car showing as untaxed? No reason why but it looks like DVLA cancelled it , this could be because I did not have the V5 and the gargae paid on my behalf but not sure did not receive a letter to say car was untaxed.  Fair enough I set up the tax again staight away in Feb 24  and first payment out Mar 31st , and each payment since has come out each month for £31 , this will end Feb/Mar 2025, slightly longer than the original tax set up, all good. I then claimed the £68 back from my bank as an indemity refund as obviously I had paid but DVLA had cancelled therefore it was a payment for nothing?  Last week recieved a SJP form dated 29th May stating that DVLA were claiming for unpaid tax and a false indemity claimback which of course is the £68. It also stated that I had received two previous letters offering me the oppotunity to pay that £68 but as I had not responded it was now a court claim that I must admit guilt for or defend. My post is held for weeks at a time from Royal Mail ( keepsafe) due to me receiving hospital tretament at weeks at a time that said I did not receive any previous letters from DVLA. I am happy to defend this and go to court but wondering what CAG members think? In summary I paid an initial amount of £68 and then a DD of £31 , tax cancelled  I set up a new DD at £31 a month all in the month of Feb 2024, I claimed the £68 back from my bank. DD has been coming out each month without issue and I have paperwork to show the breakdown for both DD setup's plus bank statements showing the payments coming out . The second DD set up has extended payments up to Feb/Mar 2025. DVLA claiming the £68 was ilegally claimed back despite the fact they cancelled the original DD for reasons unknown. Is this defendable ? I will post up documents including the original DD conformations 
  • 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

advice needed,on so many debt collectors after me


style="text-align: center;">  

Thread Locked

because no one has posted on it for the last 5214 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

HAMPTONS LEGAL

PO BOX 173

LEEDS

LS11 9WR

TELEPHONE 0113 394 6317

IT READS HAMPTONS LEGAL ARE THE TRADING STYLE OF LOWELL FINANCIAL LTD, registered office,

ENTERPRISE HOUSE

1 APEX VIEW

LEEDS

LS11 9BH

Link to post
Share on other sites

  • Replies 404
  • Created
  • Last Reply

Top Posters In This Topic

Top Posters In This Topic

Hi Michsienna, do you know if the original debt to Cap 1 is made up of unlawful charges? I have just read through your threads but couldn;t find any info. If you send Cap 1 a SAR you would be placing the account in dispute and Lowell wouldn't be able to chase you for the money. Once you've claimed your charges back, if the balance is more than the £363, then lowell will have to leave you alone because there would be no debt. (and they'd be out of pocket:D ) If the charges are lower than the outstanding balance then it would at least reduce the debt, probably the majority of it.

Try not to worry, they like using threats to scare us into paying. I don't get scared anymore, I am empowered now, thanks to this site and it's members:D

Link to post
Share on other sites

hi there, i have one of them reclaim your bank charges for you companys doing it for me, they are still waiting for capital ones statements,

 

Are they keeping you totally updated? Do you know the date when they requested the info from Cap 1 and when their 40 days are up? Sorry for the questions, I don't know much about how these type of companies work:)

 

When I SAR'd Cap 1 I wrote to Lowell and told them the account was in dispute with Cap 1, they replied saying that they would put the account on hold, which they did. Are they aware that you are disputing the amount?

Link to post
Share on other sites

Something fishy about Hampton Legal and Lowell Financial Ltd

On the Companies House register or the ICO register is there no mention that Hamton legal/Lowell Finacial ltd have anything to do with each other trading style or not they have got to be officially recorded somewhere they are linked its got me a bit puzzled.

sparkie1723

Link to post
Share on other sites

Are they keeping you totally updated? Do you know the date when they requested the info from Cap 1 and when their 40 days are up? Sorry for the questions, I don't know much about how these type of companies work:)

 

When I S.A.R - (Subject Access Request)'d Cap 1 I wrote to Lowell and told them the account was in dispute with Cap 1, they replied saying that they would put the account on hold, which they did. Are they aware that you are disputing the amount?

yes they are very good in keeping me up to date

capital ones 40 days runs out next week.

your all gonna think im a right silly moo now, becouse i did not tell this company i have debts with them, i did this becouse i have heard that it makes no difference,its your money and if you want it back in full then so be it.

would anyone els agree with this???

Link to post
Share on other sites

have i made things worse for myself????

i did this before i had disscovered this website

 

I would say the only difference between using a 3rd party and claiming back yourself is that they take so much percent of your claim as payment for doing all the work. You haven't made things worse as far as I can see:)

I would suggest you send lowell a letter telling them the account is in dispute and you will not enter into any further correspondence until the matter is settled. This worked for me, they stopped phoning and writing to my hubby. In fact, he's not heard from them since, even though the charges were refunded a couple of weeks ago.

Link to post
Share on other sites

Something fishy about Hampton Legal and Lowell Financial Ltd

On the Companies House register or the Information Commissioners Office register is there no mention that Hamton legal/Lowell Finacial ltd have anything to do with each other trading style or not they have got to be officially recorded somewhere they are linked its got me a bit puzzled.

sparkie1723

 

i have on my letter from hamptons, members of, ccua civil court users association

also members of the ccta consumer credit trade association

next to there address it has company reg no, 4558936

also consumer credit licence no, 528607

Link to post
Share on other sites

yes they are very good in keeping me up to date

capital ones 40 days runs out next week.

your all gonna think im a right silly moo now, becouse i did not tell this company i have debts with them, i did this becouse i have heard that it makes no difference,its your money and if you want it back in full then so be it.

would anyone els agree with this???

Nothing silly about it hun, you have asked that company to get your money back for you, no need for them to know anything about your debts etc:)

Glad they are keeping you in the know, thats a good sign;)

Link to post
Share on other sites

I would say the only difference between using a 3rd party and claiming back yourself is that they take so much percent of your claim as payment for doing all the work. You haven't made things worse as far as I can see:)

I would suggest you send lowell a letter telling them the account is in dispute and you will not enter into any further correspondence until the matter is settled. This worked for me, they stopped phoning and writing to my hubby. In fact, he's not heard from them since, even though the charges were refunded a couple of weeks ago.

 

i did this with hsbc bank who had sold the debt on to a company called nco, i rang them and said im currently reclaiming my unfair bank charges from hsbc, ive not heared nothing from them since....

do you agree that even though i have debts with these banks and credit cards that i would still get my money in full, and they will not deduct the debt from it??

Link to post
Share on other sites

i did this with hsbc bank who had sold the debt on to a company called nco, i rang them and said im currently reclaiming my unfair bank charges from hsbc, ive not heared nothing from them since....

do you agree that even though i have debts with these banks and credit cards that i would still get my money in full, and they will not deduct the debt from it??

When I claimed back from Cap 1 they paid my balance then refunded me the difference via cheque. With hubby's claim they just reduced the balance. When I tried to cancel my account with them they tried all ways change my mind, they did not want me to go!! I have also claimed TWICE from Lloyds who have not closed my account (even though there's no income going in) I also have a loan and CC with Lloyds, which are up to date, and they've not tried anything dodgy. BUT, saying that, I have read on the bank threads where people have had their banks & CC companies retaliate. There doesn't seem to be a run-of-the-mill fallout, I think it just comes down to individual circumstances and whether you are up to date with your payments etc.

Link to post
Share on other sites

Ahhh, right, I get you now lol. I have just had another read of your first post and see where you're coming from.

 

I would think they probably would deduct the debt from any reclaimed money, as Cap 1 did with my account, and you would get any that remained. It might do us both good to have a read around the threads for more info on successful claims with DCA's and suchlike. The debt threads have grown so much over the past few months so it might take some time.

 

The way I see it, whether we get money back and/or have our debts reduced, the outcome will leave us financially better off. Which makes all this def worthwhile:D

Link to post
Share on other sites

one thing i would suggest/remember.

it is your money they have taken from you.

don't be 'conned' into accepting that it comes of of 'their' debt!

request payment in full & in cheque only.

 

"i have many debts to clear and as this my money you have unlawfully take from my account, i respectfully ask it be paid in the form of a cheque, so i may evenly distribute between my debtors."

 

 

dx100uk:D

  • Haha 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... 

Link to post
Share on other sites

Something fishy about Hampton Legal and Lowell Financial Ltd

On the Companies House register or the Information Commissioners Office register is there no mention that Hamton legal/Lowell Finacial ltd have anything to do with each other trading style or not they have got to be officially recorded somewhere they are linked its got me a bit puzzled.

sparkie1723

 

Hi

 

Hamptons Legal aren't a Ltd company in their own right - they are just a trading name/style of Lowell Financial, i.e. in-house solicitors of the same company. Only Ltd companies have to be registered at Companies House - a company can also have as many trading names/styles as it wants.

 

Regards, Pam

VITAL - IF YOU HAVE AN ISSUE ABOUT THE INCREASED BAILIFFS' POWERS TO BREAK INTO YOUR HOME AND USE FORCE IN ORDER TO GET YOUR GOODS THEN JOIN THE PETITION HERE:

http://www.consumeractiongroup.c o....l#post53879 9

 

Anyone seeing this who wants to help by copying it to their signature please do.

Link to post
Share on other sites

one thing i would suggest/remember.

it is your money they have taken from you.

don't be 'conned' into accepting that it comes of of 'their' debt!

request payment in full & in cheque only.

 

"i have many debts to clear and as this my money you have unlawfully take from my account, i respectfully ask it be paid in the form of a cheque, so i may evenly distribute between my debtors."

 

 

dx100uk:D

 

thats what im am gonna do, im sure the reclaim bank charges company will get it all for me too, at the end of the day they are gonna want paying too

Link to post
Share on other sites

morning everyone,

today ive recieved a letter in the post from SCOTCALL DEBT COLLECTING SERVICES.(acting for a book club i apparently owe £109 to) they have wrote to tell me that due to the content of the letter i had sent them scotcall will now return this account to there client, and i will here no more from scotcall regarding this matter, the account has been returned as dispute.

i will now hear direct from the client regarding this out standing amount, if i have any further queries or problems i am to contact the creditor directly.

i wonder what will happen next xx:|

Link to post
Share on other sites

another thing, is , its been over a month now,since requesting agreements after sending the cca letter and i havent recieved any agreement i take it that this is good news xx:)

Link to post
Share on other sites

Sounds like your doing really well michsienna, well done. I hope you get debt free. Like myself am sure you would rather be able to afford to take your kids out. I didnt mind paying my debts until we fell into arrears (caused by bank charges and wages getting swalled up etc) and now we seem to be going nowhere with clearing our debts! We should of been debt free nearly 2 years ago. But hopefully we are getting there now.

 

Anyway keep up the good work your an inspiration to us all!! :)

Link to post
Share on other sites

thank you your so very kind, i must admit i am very nervous about all im doing, but it realy does feel so good to be takeing control over it all. i wish you all the best xxxx

Link to post
Share on other sites

michsienna,

Well done for taking control, I agree it is such good feeling. It's nice also to 'get back' at the DCAs who have imtimidated and frightended and threatend you over the months/years.

 

Of course you are going to be nervous but believe me, as soon as you know you are in control, you won't feel like that anymore.

 

Whilst I am not advocating getting out of a debt which you have run up, if the creditor has not taken the appropriate action to keep you bound to a CCA (ie having a properly executed agreement) or not contacting you in the appropriate time scales, then it is their loss, may be not the best attitude to have but I have admitted to all the debts I have run up but there are a few that I know darn well I have nothing to do with and it is not up to me to prove I didn't run them up, it is the DCA's who need to prove to me I signed and agreed to a CCA to enforce a debt.

All my knowledge has been gained from personal experience and the sharing of advice from fellow members.

Link to post
Share on other sites

  • Recently Browsing   0 Caggers

    • No registered users viewing this page.

  • Have we helped you ...?


×
×
  • Create New...