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    • Hi there. Unfortunately not. Apparently the incident was supposed to have happened on 4th Feb 2021 at 6 something in the morning. I was probably asleep at that time. Card transactions are on the statement on the 4th Feb but are from 3rd of Feb when the transactions took place. Nothing on the 4th of Feb. Although I had another car hire during that time so it would be absurd to even claim that anyone would rent multiple cars concurrently for months at a time. On top of that, whilst going through my statements, there was no payment to these guys so there is no way they'd rent a car to someone without paying a deposit or the rental fee. It's nonsense.       Hi there pal. Will check to see if they have a website now. Not sure but worried that if they'd go to the lengths of lying to the police they'd try to forge hire agreements with myself based on an old on. What they won't be able to do is provide any evidence that they took any deposit or payment from me for that vehicle or any vehicle for that matter in the time leading up to the incident. I will see about sending the SAR to them.   For the Claim form, I didn't know how to turn it into a pdf using my phone so I've taken photos of it and removed my identifying information.                 Total costs for the Claim are 10110 including 410 for Court Fees, so not sure if it's really considered as 10k or not With regards to time, I will start a list now on notes. Thanks.   I have attached the document they sent me regarding the other driver. I have removed some of his identifying info as well as he may be just another victim of these guys. The document isn't signed by anyone.   Basically when the police letter came I phone the son who's number I had multiple times and he told me it's ok, don't worry, he will sort it etc. Eventually he stopped answering my calls, so I sent him so many texts telling him to answer etc. Eventually he answered I yelled at him for using my details like that then told him I'd report him to the police if he didn't fix this. He said there must have been a mistake and that he knows someone else was hiring the vehicle. He then sent me a message on my phone with the details of the person who he claims was driving but does not put anything else in writing regarding this. I then use this to submit the information to the police regarding the incident.   I don't know what the police are doing about this. I attached the document they sent me regarding the driver (albeit it is something with no signiture that they could have put together themselves) as well as another attachment with a hand written letter explaining the fraud I believe they are committing on me as I did not rent that car from them. Might have to just go to a local police station and file an official report on these guys and their bogus response to the police fingering me out and using that to send me a Claim form. How can they do this if I did not go into their office since my last rental from the more than 6 months ago, I didn't sign any hire agreement (unless they forged one, which I wouldn't put past them), I didn't pay them a deposit or rental fee? There is no reasonable explanation how they can claim they gave a car to someone with none of the above. It's absurd.   thanks for the responses everyone.  
    • That's whet the yhellow card is for, they need anything that "Might" be linked to vaccine reporting in.
    • Many thanks @dx100uk I'll head over to the site and keep you posted. 
    • yes dx  the same one and 14 years on still paying    UB... thks have filled in online sar request to halifax  what happens if the halifax can not produce evidence of every payment made over the last 20 years off the original balance    i still have the original typed breakdown of the charges and amount house was sold for etc and the original balance  sent by the halifax 20 odd years ago
    • Yes send an SAR to Halifax.   If you have been making payments, Halifax should have full records available.   Halifax have been known to stop collection activity, if there is any doubt about the outstanding amount or if people stop paying after a number of years of making payments.  Payments made towards a shortfall debt are almost seen as a bonus, as they would not have expected payment to be received in many cases.
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    • Hi @BankFodder
      Sorry for only updating you now, but after your guidance with submitting the claim it was pretty straight forward and I didn't want to unnecessarily waste your time. Especially with this guide you wrote here, so many thanks for that
      So I issued the claim on day 15 and they requested more time to respond.
      They took until the last day to respond and denied the claim, unsurprisingly saying my contract was with Packlink and not with them.
       
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Wescott given up - now Lowells trying.


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Sorry if this is a stupid post. Wescott were chasing me for an alleged HSBC debt. They couldn`t provide a CCA and said they were returning the account. Now Lowells are giving it a go. Is the procedure the same?. Request a CCA, don`t get one, Lowells give up and then someone else has a go. Ad Infinitum. Or is there a quicker way to deal with this, once and for all?

Thanks.

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Have you still got the confirmation from Wescott stating that they can't provide your CCA, if so forward a copy of it to Lowell and ask them what do they think they are doing chasing a debt that dont exist..:D

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Hi,

I would write to Lowells with a copy to HSBC pointing out that the account is quite clearly in dispute and, as Wescott were not able to supply a copy of the agreement and are therefore in default, the agreement cannot be enforced which means

 

They may not demand any payment on the account, nor are you obliged to offer any payment.

They may not add any further interest or charges to the account.

They may not pass the account to any third party.

They may not register any information in respect of the account with any of the credit reference agencies.

They may not issue a default notice related to the account.

 

I think you could also report HSBC for passing a disputed debt on, or just put a comment in their letter to the effect that if you hear from them or anyone else ever again about the alleged debt, you will report them.

RMW

"If you want my parking space, please take my disability" Common car park sign in France.

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Thanks for the replies. Wescot never actually said that they couldn`t find a CCA. They just wrote to say that `Instructions have been received from Metropolitan Collection Services to withdraw the account`. Which, of course, means they couldn`t find one. I will write to HSBC and Lowells tomorrow.

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Clownells specialise in buying useless debts for peanuts. These are usually ones that are approaching the Statute Barred date or ones where no CCA exists. They are so full of sh!t. They follow a predictable pattern. after a few threatening letters they will pass you to the wonderful Hamptons iLegal and then on to the equallly ridiculous Red Debt.:rolleyes: In the end up they are all useless. Oh yes I forgot to mention the YELLOW POSTCARD which they claim to have called to see you but yet it comes in the post and demand you ring them

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Dear Lowells,

 

I do not acknowledge any debt to your company.

 

A request for a copy of my Consumer Credit Agreement (Consumer Credit Act, 1974) was made to Westcott..... on xx/xx/2007. As they have so far failed to comply with my legal request however, the account remains in dispute, is unenforceable and should not have been passed/sold to yourselves.

 

Please be advised that until such times as my request is actioned, no payments will be forthcoming.

 

Yours faithfully/sincerely,

 

:p

 

Send by rec. delivery..... keep the receipt.

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Hi gerih

 

There is a Good thread here.

 

http://66.102.9.104/search?q=cache:kCVLdX9TTmIJ:www.consumeractiongroup.co.uk/forum/general-debt/20955-dca-help-please-lowell.html+lowell%27s+dca&hl=en&ct=clnk&cd=1&gl=uk

 

and number 29 is a Lowell employee!!

 

Take a look at the 4th post regarding writing without prejudice at the top of your letter other wise its possible you acknowledge the debit with your reply. may be add it on to the one stating i do not acknowlegde this debit, you can never be to protected ;-)

 

Zooman has many threads on here and a lot of them hold some excellent information, don't let the n/a on the details put you off.

 

good luck

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"Without Prejudice" means that you can not produce it in a courtroom.... which is why I always leave it off any of my letters.... just in case I ever end up in one and need to defend myself with a paper trail.

 

If you use the wording "I do not acknowledge any debt to your company"... then you are not acknowledging the debt.

 

Send everything rec. delivery as well, by the way.

 

:)

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"Without Prejudice" means that you can not produce it in a courtroom....

Send everything rec. delivery as well, by the way.

 

:)

 

I will have to find the thread on here that reads the paper can be shown if a judge believes it is critical to the case and as the author you agree.

 

If this is the case and the thread is incorrect will it be deleted or edited to stop mistakes.

Thanks

 

:)

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I will have to find the thread on here that reads the paper can be shown if a judge believes it is critical to the case and as the author you agree.

 

If this is the case and the thread is incorrect will it be deleted or edited to stop mistakes.

Thanks

 

:)

 

I have read that also.... but as it's down to the Judge to decide whether something is critical or not... I prefer to leave it off anything that I perceive as being critical. It's a personal choice, that's all. The thread is not incorrect.

 

:)

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I wrote to Lowells asking for a CCA, enclosing a £1 P.O and asking not to be contacted by `phone,3 days ago. Today, I got a call asking for my security details. I refused. He then said "I`m from Global (Ithink?) about your account". I told him that I`d written insisting on everything in writing and suggested that he feck off.

The number he called from was 01133 086000. Is this Lowells? I never heard of Global. Googled the number, but got nothing except that 01133 is a code for Leeds.

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My CCA and letter saying that I`m not to be contacted by`phone was delivered on Aug 3rd. They `phoned me today (I was out). If they do again my language will not be too polite. And I will be reporting them. Morons.

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Two calls today from Lowells. Both from a girl calling herself Hannah. She claims that these calls are not harassment despite having been informed in writing that they are not to do so. So I`ve sent a recorded letter pinched from Priorityone (ta) asking for their complaints procedure and an explanation of why Lowells feel that these calls are OK.

Clock ticking fast on their non production of a CCA as well.

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Hi, I have ended up here because i am searching for the template letter to send asking for the CCA - my husband has just had a first letter from Wescott regarding a RBS credit card debt andiwant to get it sorted out. Di find a link in another thread but it doesn't work. Can anyone tell me where the template letter is please? Many thanks

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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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:-D

Two calls today from Lowells. Both from a girl calling herself Hannah. She claims that these calls are not harassment despite having been informed in writing that they are not to do so. So I`ve sent a recorded letter pinched from Priorityone (ta) asking for their complaints procedure and an explanation of why Lowells feel that these calls are OK.

Clock ticking fast on their non production of a CCA as well.

DO you feel harrassed. YES well then it harrassment. IN spite of what Hannah may say. Simple thing is not to answer them but log all their calls. If you mistakenly answer them do NOT reply to any of their security questions and tell them you are recording the call. They will soon get the message. You can then expect them to pass you over to Hamptons iLegal but without a CCA they can do diddly squat:-D

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Got a letter from these people today re the CCA. They say that the agreement I entered into is not a regulated consumer credit agreement and is not governed by the terms of Section 78 of the Consumer Credit Act 1974. Whats the best way to proceed please. I have drafted a letter asking for their reasons for saying this, but haven`t posted it yet. At no point have they ever told me what the alleged debt is for ( so I can`t give you any info on that - sorry).

I suppose asking for a copy of whatever they say I did agree to would be a start. I`ll rewrite the letter later.

Thanks.

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Tell them that they must provide you with details of the alleged debt and their right to collect it or you will report them for attempting to obtain money by false pretences.Do they think anyon would be daft enough to pay up for somethng which they know nothing about

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It would appear that they are that daft. I am not though. I will wait till I calm down before writing. My initial letter might be a tad OTT.

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If they say its not regulated by the CCA then its probably a utility bill or mobile phone bill. Then again it is Clownells we are talking about and they could say anything

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They say it`s from HSBC . I used to have a credit card with them and a bank account with a `rolling credit` account. Hmm - this goes back to my alcoholic days - and I`m 6 years sober next week. Must be getting close to statute barred. This could change things.

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If it's statute barred I think you know what to tell them. Shame about the alcohlism, but glad you're better now. On the plus side probably the date of being and staying sober sticks in your mind so as you've already stated you know more or less when you last paid.

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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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