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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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    • Madmart58
      Lost items sent through Parcel2Go and EVRi

      By Madmart58 · Posted

      Thank you very much for your letter in regard to the above mentioned shipment.  Due to the high volume of parcels coursing through the courier network each day, undergoing continuous processing and handling, certain packages may experience delays or even can get lost in the course of this journey. Please note that due to the time that has passed, this shipment has been declared as lost.  I have today processed the claim and made offers to the value of £75 as a goodwill gesture without prejudice. I do acknowledge that you have mentioned in your letter that the value was higher, however, you did not take out any protection to that amount. The protection for this shipment was £20 and we will not be increasing our goodwill offer any further.    Please log into your account online in order to accept our offer. Once accepted, our accounts department will process the claim accordingly. The claim payment will be processed and received within 7 working days.                                  In addition, a refund of the carriage fee will be processed as a separate payment and will be received within 3 working days.  If I can further assist, please feel free to contact me.   I have also just noticed that yesterday afternoon they sent me an email stating that "after my request" they have refunded the cost of shipping. I did not request the refund so will mention that in my letter as well.
    • Angryman1404
      IDRWW letter and email received this week

      By Angryman1404 · Posted

      Hi I had to leave Dubai back in 2011, during the financial crisis. And only now have I received a letter from IDRWW. Is this anything to worry about about as I have 2 years left until it’s been 15 years(statute barred in Dubai). Worried as just got a mortgage 2 years ago. Could they force me in to bankruptcy? Red lots of different threads on here. And unsure what true and what isn’t. 
    • honeybee13
      Should we trust Sunak or the next PM to fix the Country's problems? (title revised 24/10/22)

      By honeybee13 · Posted

      Not that TOR will see this now he's thrown in the hand grenade. Rayner has plenty of female supporters on X, for a start. As for the council and HMRC, fair enough and I thought Rayner was already in touch with them. That's where it should be dealt with, not the police force. @tobyjugg2 Daniel Finkelstein thinks the same as you about tax. The Fiver theory. How the Fiver Theory explains this election campaign ARCHIVE.PH archived 28 May 2024 17:36:51 UTC  
    • London1971
      Lowell/Overdales Claimform - old Cap1 Debt

      By London1971 · Posted

      Often with the Likes of Lowells/ Overdales that 'proof' doesn't stand up to scrutiny.   Think about it like a game of poker, they want to intimidate you into folding and giving up as soon as possible, and just get you to pay up and roll over, that is their business model, make you think your cards are rubbish. What they don't expect, and their business isn't set up for it, is for a defendant to find this place and to learn that they have an amazing set of cards to play. Overdales don't have an infinite number of lawyers, paralegals etc, and the time / money to spend on expensive court cases, that they are highly likely to lose, hence how hard they will try to get you to roll over.  Even to the extent of faking documents, which they need to do because the debts that they purchased were so cheap, in the first place. Nevertheless it works in most cases, most people chicken out, when they are so close to winning, and a holding defence is like slowly showing Overdales your first card, and a marker of intention that this could get tricky for them. In fact it may be,  although by no means guaranteed that it won't even go any further than that.  Even if it does, what they send you back will almost certainly have more holes than Swiss Cheese, and if with the help you receive here, you can identify those weaknesses and get the whole thing tossed in the bin.
    • theoldrouge
      Should we trust Sunak or the next PM to fix the Country's problems? (title revised 24/10/22)

      By theoldrouge · Posted

      So Rayner who is don’t forget still being investigated by the local council and HMRC  is now begging to save her seat Not a WOMAN in sight in this video other than Rayner  Farage is utterly correct this country’s values are non existent in her seat   Rayner Pleads With Muslim Voters as Pressure From Galloway Grows – Guido Fawkes ORDER-ORDER.COM Guido has obtained a leaked tape from inside a meeting between Angela Rayner and Muslim voters in Ashton-under-Lyne...  

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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 Portfolio Ltd.

cymosa

By cymosa
in Debt Collection Agencies

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cymosa

cymosa

Posted
Posted

I had a letter from Lowell Portfolio in February alluding to the fact that they might make me bankrupt. I then received a Statutory Demand under the Insolvency Act 1986. They claimed they had bought the debt by way of debt sale agreement claiming £5,500. The Statutory Demand was completed in a slap-dash manner, Lowell Portfolio claiming to be a Government Department or Minister of the Crown. My defence to the demand included a paragraph regarding unfair terms regulations (reconfigured from the Consumer Action website) in line with the claim for bank charges, re Wilson versus Lowe 1896.

 

Lowell Portfolio failed to attend the Insolvency Hearing. The judge made reference to the fact that I had "a reasonably good chance of success" regarding the claim of £5,500 being a penalty. Because Lowell Porltfolio did not attend the hearing the judge threw the Statutory demand out. Hope this helps others.

 

Graham

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ICO

ICO

Posted
Posted
I had a letter from Lowell Portfolio in February alluding to the fact that they might make me bankrupt. I then received a Statutory Demand under the Insolvency Act 1986. They claimed they had bought the debt by way of debt sale agreement claiming £5,500. The Statutory Demand was completed in a slap-dash manner, Lowell Portfolio claiming to be a Government Department or Minister of the Crown. My defence to the demand included a paragraph regarding unfair terms regulations (reconfigured from the Consumer Action website) in line with the claim for bank charges, re Wilson versus Lowe 1896.

 

Lowell Portfolio failed to attend the Insolvency Hearing. The judge made reference to the fact that I had "a reasonably good chance of success" regarding the claim of £5,500 being a penalty. Because Lowell Porltfolio did not attend the hearing the judge threw the Statutory demand out. Hope this helps others.

 

Graham

 

 

Hi there !!!

 

Just a quickie and sorry if I sound stupid, but did you attend court to have the SD set aside ???And that is when it got thrown out as Lowell didn't show ???

 

I had an SD sent via second class post around the same time !!! Same sort of stuff included in mine !! I didn't apply to have it set aside as they sent it to the wrong address too !!! Nor have I acknowledged it . . .

 

Have you heard anything from Lowell since the SD ????

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thinksmart

thinksmart

Posted
Posted

Been there too! My hearing for setting aside comes up soon. Same shody form filling. Pretty sure Lowell Portfolio won't attend as they have no case but they are ignoring all my letters. Have advised them that I will be seeking costs and loss of revenue from work and that I will also be suing them for harrassment and trying to embezzle money to which they are not entitled. No response appears to me to be their modus operandi. Here's a thought... not sure if it would be admissible but I'm wondering if it could be shown that they do this regularly and don't turn up to hearings then maybe they would be seen to be abusing the legal system, wasting court's time systematically and possibly even to be in contempt of Court. Any thoughts? Anyone else out their experienced similar? Might be fun to endanger their credit licence!

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cymosa

cymosa

Posted
  • Author
Posted
Hi there !!!

 

Just a quickie and sorry if I sound stupid, but did you attend court to have the SD set aside ???And that is when it got thrown out as Lowell didn't show ???

 

I had an SD sent via second class post around the same time !!! Same sort of stuff included in mine !! I didn't apply to have it set aside as they sent it to the wrong address too !!! Nor have I acknowledged it . . .

 

Have you heard anything from Lowell since the SD ????

HI,

Yes I applied to have it set aside.

Graham

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cymosa

cymosa

Posted
  • Author
Posted
Been there too! My hearing for setting aside comes up soon. Same shody form filling. Pretty sure Lowell Portfolio won't attend as they have no case but they are ignoring all my letters. Have advised them that I will be seeking costs and loss of revenue from work and that I will also be suing them for harrassment and trying to embezzle money to which they are not entitled. No response appears to me to be their modus operandi. Here's a thought... not sure if it would be admissible but I'm wondering if it could be shown that they do this regularly and don't turn up to hearings then maybe they would be seen to be abusing the legal system, wasting court's time systematically and possibly even to be in contempt of Court. Any thoughts? Anyone else out their experienced similar? Might be fun to endanger their credit licence!

HI,

 

Haven't heard anything more from Lowell Portfolio since they didn't appear at court. I couldn't agree with you more. It is harrassment and a waste of court's time. I would've thought the courts themselves might have taken some action but am not familiar with court proceedings. I am in dispute with Capital One over PPI but judge said I would've probably been successful with Wilson versus Lowe argument. It's time Lowell Portfolio had some hassle.

 

Graham

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Belaflat

Belaflat

Posted
Posted

To be honest, I think you all could have saved yourselves some money simply by ignoring these demands.

I am not knocking any of you though since before I found this site, I too would have been absolutely petrified at the prospect of being made bankrupt for what amounts to peanuts to these people.

There are plenty of people who have received them and heard no more as they are just a bluff in nearly all cases.

I had one from lowell ages ago followed by a "time is nearly up" letter with a reduced payment offer.

Never heard anything about that one since.

 

Out of interest, did these forms arrive by post or were they hand delivered by a process server and did the papers have a valid Court stamp on them.

 

If they were by normal post and unstamped, you could have safely ignored them.

Of course I will pay you everything you say I owe with no proof.

Oooh Look....Flying Pigs

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ODC

ODC

Posted
Posted
To be honest, I think you all could have saved yourselves some money simply by ignoring these demands.

I am not knocking any of you though since before I found this site, I too would have been absolutely petrified at the prospect of being made bankrupt for what amounts to peanuts to these people.

There are plenty of people who have received them and heard no more as they are just a bluff in nearly all cases.

I had one from lowell ages ago followed by a "time is nearly up" letter with a reduced payment offer.

Never heard anything about that one since.

 

Out of interest, did these forms arrive by post or were they hand delivered by a process server and did the papers have a valid Court stamp on them.

 

If they were by normal post and unstamped, you could have safely ignored them.

 

Whilst not knocking anyone who fights with Clownells. I have used Belaflats plan myself. I ignore Clownells letters and threats and when they pass it to their paramiltary wing Hamptons Illegal I have done the same. I ignore their phone calls and pointless letters. Why??? you ask. The ALLEGED debt is small, and seeing what has happened here thay can never produce a CCA only an application form. The debt is almost certainly statute barred by now as we all know they bought a bunch of CApone debts that were nearing their sell by date. If in the very unlikely event they get their act together and I have to reply to them then with the advice I have learnt on here I will tie them up in so many knots that they will end up giving me money. They are W*****s and full of huff and puff.

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thinksmart

thinksmart

Posted
Posted

Just to say that all of the "official" advice that I could find on the net (by whch I mean sites which advise on debt problems) was most definitely NOT to ignore stautory demands. I wasn't aware they they required an official Court stamp but will try to find more about this.

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rory32

rory32

Posted
Posted

"Here's a thought... not sure if it would be admissible but I'm wondering if it could be shown that they do this regularly and don't turn up to hearings then maybe they would be seen to be abusing the legal system, wasting court's time systematically and possibly even to be in contempt of Court. Any thoughts?"

 

thinksmart, the term you are looking for is "vexatious litigant".

HAVE YOU BEEN TREATED UNFAIRLY BY CREDITORS OR DCA's?

 

BEWARE OF CLAIMS MANAGEMENT COMPANIES OFFERING TO WRITE OFF YOUR DEBTS.

 

 

Please note opinions given by rory32 are offered informally as a lay-person in good faith based on personal experience. For legal advice, you must always consult a registered and insured lawyer.

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thinksmart

thinksmart

Posted
Posted

Hmmm the word vexed me for a moment there - thank goodness for dictionary.com! Who would be vexing whom though? Certainly Lowell Portfolio have proven to be most vexatious. I understand that when acting for oneself a Court gives a certain amount of leeway - enough perhaps to chuck in some details of their other abuses of the legal system.

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ODC

ODC

Posted
Posted

Courts will give ordinary members of the public a great deal of leeway because they dont know the procedures etc

 

However they will clamp down hard on Clownells solicitors who shoul after all know better. They are very severe on VEXATIOUS LITIGATION which in the case of Clownells would not be the hardest thing in the world to prove.

 

Most DCA cases never see the inside of a court because they rely on their bullying to scare people into paying. The simple truth is that if they had the proper proof of the debt and all the paperwork they would have you in Court quicker than you could say Vexatious Litigation

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rory32

rory32

Posted
Posted

If convicted of being a vexatious litigant you can not raise any legal action against anyone without the prior consent of a High Court judge. It's always worth a try!!

HAVE YOU BEEN TREATED UNFAIRLY BY CREDITORS OR DCA's?

 

BEWARE OF CLAIMS MANAGEMENT COMPANIES OFFERING TO WRITE OFF YOUR DEBTS.

 

 

Please note opinions given by rory32 are offered informally as a lay-person in good faith based on personal experience. For legal advice, you must always consult a registered and insured lawyer.

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rory32

rory32

Posted
Posted

If you require more info with regards to the implications of this term read here http://www.tsol.gov.uk/Publications/scheme_publications/internal_guidance/vexatious_litigants_policy.pdf

 

When I use this term solicitors suddenly don't want to speak to me, won't return my correspondence. And here was me think I was developing a pen pal :D

HAVE YOU BEEN TREATED UNFAIRLY BY CREDITORS OR DCA's?

 

BEWARE OF CLAIMS MANAGEMENT COMPANIES OFFERING TO WRITE OFF YOUR DEBTS.

 

 

Please note opinions given by rory32 are offered informally as a lay-person in good faith based on personal experience. For legal advice, you must always consult a registered and insured lawyer.

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  • 4 weeks later...
thinksmart

thinksmart

Posted
Posted

 

Out of interest, did these forms arrive by post or were they hand delivered by a process server and did the papers have a valid Court stamp on them.

 

If they were by normal post and unstamped, you could have safely ignored them.

 

Belaflat, where did you pick up information on Statutory Demands that aren't stamped by a Court being safe to ignore? I can't find anything that would confirm this is the case.

 

Kind regards,

 

Thinksmart

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Belaflat

Belaflat

Posted
Posted

Its a standard tactic of DCa's.

Generally, sent by second class mail and easily downloaded from the internet.

If stamped by a court, then a process server would be the normal method of delivery.

The London gazette also carries record of authorised stat demands.

 

I have had 3 now and when it is delivered by hand I will take note, and then check first to see if it has been stamped by a Court office, but until such time, I will ignore.

 

When delivered by normal mail, unless you acknowledge its delivery, how can you say it has been duly served when procedures state that all attempts at personal service must have failed before it can be sent by post.

 

Mine and others personal experiences and passing on the same, not offering definitive advice.

Of course I will pay you everything you say I owe with no proof.

Oooh Look....Flying Pigs

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