Jump to content


Wescott given up - now Lowells trying.


style="text-align: center;">  

Thread Locked

because no one has posted on it for the last 4970 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

When out of time on CCA requests they apparently back date letters as well!!

They cannot bacdate the postmark though. MUPPETS:D

Link to post
Share on other sites

All the correspondence that I have received from DCA have no post mark on them as they seem to have a special way of getting around this therefore they can backdate letters as when it is necessary for them to do so and to pile on the pressure on individuals.:evil::evil:

Link to post
Share on other sites
All the correspondence that I have received from DCA have no post mark on them as they seem to have a special way of getting around this therefore they can backdate letters as when it is necessary for them to do so and to pile on the pressure on individuals.:evil::evil:
There should be on the rear of the envelope a date and time from the sorting office it went through

Link to post
Share on other sites
There should be on the rear of the envelope a date and time from the sorting office it went through

 

Leeds Coaching Station, 1839.

 

Perhaps it depends on where you live and the sorting office involved. Most of Lowells 'purchased' debts are so old, they are still operating on the Julian calendar anyway so it's probably better for them not to put dates on things. One day you may be lucky and get a 'penny black' from them. :p

HOIST BY THEIR OWN PETARD.

 

Blimey it works....:-)

Link to post
Share on other sites
Leeds Coaching Station, 1839.

 

Perhaps it depends on where you live and the sorting office involved. Most of Lowells 'purchased' debts are so old, they are still operating on the Julian calendar anyway so it's probably better for them not to put dates on things. One day you may be lucky and get a 'penny black' from them. :p

Clownells are so busy they even work on Christmas Day. Well I did get a letter dated 25th December once. MUPPETS:rolleyes:

Link to post
Share on other sites

I too got a letter from Lowells stating that the agreement was not a regulated credit agreement etc. etc. Wrote last week asking for a copy of the agreement anyway and what legislation it is governed by that gives them the legal powers to demand payment.

Abbey

6/10/06 - £1260 received in bank charges :-D

Lowell

7/2007 alleged debt 1

1/2008 closed file:)

1st Credit

4/2007 alleged debt

7/2007 complaint sent to TS & OFT

1/2008 Mackenzie Hall threatening legal action

2/2008 closed file:)

Lowell

7/2007 alleged debt 2

7/2007 CCA'd

11/2007 complaint sent to TS & OFT :?

Lowell's continue to harass :(

Lowell

6/2008 alleged debt 3

6/2008 CCA'd

Link to post
Share on other sites
I too got a letter from Lowells stating that the agreement was not a regulated credit agreement etc. etc. Wrote last week asking for a copy of the agreement anyway and what legislation it is governed by that gives them the legal powers to demand payment.
Oh dear that will confuse them all at Clownells. You will probably get something along the lines of '' As you have failed to reply to our repeated requests for payment we have passed this overdue account on to our Legal Deapartment who will be instructed to institute proceedings for full recovery of this long outstanding amount. Blah blah blah blah.

 

If you are really lucky you will get one of the famous Yellow Cards:D

Link to post
Share on other sites

Nothing from these idiots re the CCA, but another `phone call tonight. What part of "I am only to be contacted in writing " are they having trouble with?.

Link to post
Share on other sites

It's not on any of their scripts so they have no idea how to deal with it at all.

 

If it's not on the script and you say it in a phone call - ignore it.

 

If it's not on the script and you put it in writing - ignore it.

  • Haha 1

RMW

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

Link to post
Share on other sites

However, I do not blame the call centre staff at all - and no, I don't work in one and never have - it's all down to a complete lack of training which might give them some idea of what they're doing plus total discouragement from using anything resembling their own initiative.

RMW

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

Link to post
Share on other sites
They say that certain foods make you brainy.

obviously their sausages dont come in a roll ,they must be INBRED :D

 

 

 

Good one you just cheered me up

 

 

rae may:D

Link to post
Share on other sites

Despite asking both on the phone and in writing that Lowell do not contact me by phone, they have continued to call 3 + times a day. Last week my husband answered the phone to them and decided to give them some of their own medicine and asked to take them through some questions for security reasons ie. full address and postcode etc. the caller replied "there's no need to get so aggressive" is this not how they behave?

Abbey

6/10/06 - £1260 received in bank charges :-D

Lowell

7/2007 alleged debt 1

1/2008 closed file:)

1st Credit

4/2007 alleged debt

7/2007 complaint sent to TS & OFT

1/2008 Mackenzie Hall threatening legal action

2/2008 closed file:)

Lowell

7/2007 alleged debt 2

7/2007 CCA'd

11/2007 complaint sent to TS & OFT :?

Lowell's continue to harass :(

Lowell

6/2008 alleged debt 3

6/2008 CCA'd

Link to post
Share on other sites

Exactly.

If you haven't already done it, find the template letter on here about telephone harassment and send it. Otherwise report them to Trading Standards, and tell them you've done it. In writing of course!

RMW

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

Link to post
Share on other sites
Despite asking both on the phone and in writing that Lowell do not contact me by phone, they have continued to call 3 + times a day. Last week my husband answered the phone to them and decided to give them some of their own medicine and asked to take them through some questions for security reasons ie. full address and postcode etc. the caller replied "there's no need to get so aggressive" is this not how they behave?

They call it agressive when you try to confirm who you are talking to.You have as much right as they have to establish someones identity:-)

Link to post
Share on other sites

And today I get the next standard threat.`As you have failed to contact us (despite their signing for two recorded letters) we have now been instructed (who by?) to appoint an agent in your area to visit your home etc etc`. To prevent this unwanted intrusion I MUST contact them URGENTLY.

I think I`ll just send them a copy of the letter I`ve seen somewhere on the site re only the postman and emergency services (??) are allowed to call.

What should I expect next from these berks?.

Link to post
Share on other sites

They will keep threatening and writing until someone official tells them to back off. If you can stand it, just let them keep digging that hole!

RMW

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

Link to post
Share on other sites
And today I get the next standard threat.`As you have failed to contact us (despite their signing for two recorded letters) we have now been instructed (who by?) to appoint an agent in your area to visit your home etc etc`. To prevent this unwanted intrusion I MUST contact them URGENTLY.

I think I`ll just send them a copy of the letter I`ve seen somewhere on the site re only the postman and emergency services (??) are allowed to call.

What should I expect next from these berks?.

Firstly remember that a doorstep caller from a scummy DCA has ABSOLUTELY NO RIGHTS WHATSOEVER. In the highly unlikely event of one calling at your door advise him that he is trespassing. Refuse to discuss anything with him. Demand he leave your property forthwith. If he fails to do so reasonable minimum force may be used under common law. In practice though its much better to contact your local police and report a breach of the peace.

 

Also contact the morons and tell them that you withdraw any right implied or otherwise for one of their agents to visit your property. Remind them that should they send someone they will be jointly liable as they instructed the doorstep collector in spite of you express wishes

Link to post
Share on other sites

This is the letter you need.

 

Dear Sirs,

Please be advised that I am only prepared to communicate with you in writing. OFT rules and regulations clearly state that you can only visit me at my home if you make an appointment and I have no wish to make an appointment with you. There is only an implied license under English Common Law for people to be able to visit me on my property without express permission; the postman and people asking for directions etc (Armstrong v. Sheppard and Short Ltd [1959] 2 Q.B. per Lord Evershed M.R.).

 

Therefore take note that I revoke license under Common Law for you, or your representatives, to visit me at my property and if you persist in sending “doorstep callers” to my home, you will be reported for harassment and be liable for damages for a tort of trespass. You would also be liable for conspiring in a tort of trespass by acting in defiance of my instructions and sending someone to visit me nevertheless.

 

Should it be necessary, I will obtain an injunction.

 

Yours sincerely,

  • Haha 1

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.

Link to post
Share on other sites
  • 3 weeks later...

Ooh - Lowells throw a hissy fit.

"As a company we are well aware of our obligations in respect of the CCA. However, your guidance is certainly not required and neither do we require certain sections or sub-sections documenting or quoting. Furthermore, blah blah blah".

And they have no intention of explaining why they say that they don`t need to supply a signed agreement.

They enclose a leaflet for the OFT saying I have six months to complain. No explanation at all for the `phone calls made after my written and verbal instructions not to do so. Just a paragraph to say that 2 weeks after signing for my letter, they removed my number from their records. Lightening quick aren`t they.

Link to post
Share on other sites
  • Recently Browsing   0 Caggers

    No registered users viewing this page.


  • Have we helped you ...?


×
×
  • Create New...