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    • I did ask them why, but seems they have more spare cash than we do .. ;-( .. I doubt their bank would even support a chargeback after a year has passed. Anyway I've constructed my first DRAFT Snotty Letter .. so here goes ..   RE: PCN 4xxxxx Dear ALLIANCE PARKING Litigation Dept, Thank you for your dubious Letter Of Claim (dated 29th April 2024) of £100 for just 2 minutes of overstay. The family rolled around on the floor in amazement of the idea you actually think they’d accept this nonsense, let alone being confused over the extra unlawful £70 you had added. Shall we raise that related VAT issue with HMRC, or perhaps the custodians of the unicorn grain silos? Apart from the serious GDPR breach you’ve made with the DVLA and your complete failure in identifying the driver, we’re dumbfounded that the PCN is still not compliant with the PoFA (2012 Schedule 4 Under Section 9.2.f) even after 12 years of pathetic trial and error. We also doubt a judge would be very impressed at your bone idleness and lack of due diligence regarding the ANPR entry / exit periods compared with actual valid parking periods. Especially with no consideration of the legally allowed grace periods and the topological nature of the Cornish landscape versus a traditional multi-storey. And don’t even get us started on the invisible signage during the ultra busy bank holiday carnage, that is otherwise known as the random parking chaos in the several unmarked over-spill fields, or indeed the tedious “frustration of contract” attempting to get a data connection to Justpark.  We suggest your clients drop this extreme foolishness or get an absolute hammering in court. We are more than ready to raise the issues with a fair minded judge, who will most likely laugh your clients out in less time than it takes to capture more useless ANPR photos. We will of course be requesting “an unreasonable costs order” under CPR 27.14.2.g and put it toward future taxis to Harlyn Bay instead.  We all look forward to your clients' deafening silence. Legal Counsel on behalf of the Vehicle Keeper.  
    • Hi,t I'm not sure if I'm posting in the right subsection but General Retail appears to be the closest to it I think... About a year and a half ago I got a new phone so I listed my iPhone 10 on eBay.  The listed stated 'UK only' and 'no returns accepted'. Considering I had had the phone for about 4 years, I myself was amazed that I had kept it in such good condition all that time - apart from being slightly scuffed around the charging port there was absolutely nothing wrong with it. It had the original box, its unopened original Apple cable, plug, and earbuds, and I threw in a case for it and It had always had a screen protector on it. Someone wanted it from Armenia, and I stupidly agreed to it.  She paid and I sent it off, fully insured. Not long after she received it, she sent a message saying it 'was not as described', so I asked to see photos of whatever was the problem.  She sent two photographs of the box.  Just the box.  I said I wasn't even going to consider refunding her unless she told me what she meant by 'not as described'.  I thought, if it's been damaged in transit, then it would be covered by the insurance. Anyway, she didn't respond at all, even though I had messaged her several times, so she opened a case with eBay. I have sold a fair few things of mine on eBay in the past buy had never had had anyone come back to me asking for a refund.  I got in touch with eBay several times by phone and by email, and found out they always side with the buyer, no matter what with their 'eBay Seller Guarantee'.  She had been told she could keep the phone and told me they would recover the money from me from my account blah blah.  So I unlinked all of my cards etc and changed my bank account to one that I never use with no money in it. My account got suspended.  I continued to try to explain to eBay that I had been scammed but I got nowhere. My account was permanently inaccessible by this point. I reported the phone stolen and the IMEI blacklisted but I'm not sure if that would make any difference being in Armenia, but it was all I could think of to piss the buyer off. A couple of months later I was contacted by email by a debt recovery company (I can' remember who now), to whom I explained I will not discuss the matter with them until I had received an SAR I had requested from eBay. As I could no longer access my account, I couldn't review the communication I needed to show I was not in the wrong. The SAR was produced but I was advised that the information I was looking for would not be included but I said I wanted it anyway.  There were so many codes etc. and hoops to jump through to access it, that even after trying whilst on the phone to them, I still couldn't get into it, so I never got to see it in the end.  I think they said they would send the code by post but they never did and I forgot about it after a while. I've just come across a couple of emails from Moorgroup, asking me to phone them to discuss a private matter regarding eBay.  I haven't replied or done anything at all yet.  The amount they are trying to recover from me is £200ish from what I remember. I know it's not that much but I don't want to pay the b*astards on general principle. I've had a lot of useful advice from CAG in the past about debt collectors but it has always been about being chased by creditors, I've never been in this situation before. I don't know what power they legally have to recover the 'debt', and most importantly, I am two years into a DRO, and the last thing I want is another CCJ to shake off if I'm cutting my nose off to spite my face.   Any advice gratefully received!!
    • Hi, I have the Sims 4 on Macbook. Over the last year I have paid for multiple add on packs spending a lot of money on them. I bought them all in good faith as my Mac met all the minimum requirements to play them. I have been playing happily for about a year and bought my latest pack just over a week ago. The games were all working fine yesterday. Then suddenly today EA released a new app to launch the games and this new app requires a MAC OS that my computer cannot use. Now suddenly none of my games are accessible and I am unable to play anything. They did not warn us about this change in requirements and if I had known they would be doing this I wouldn't have bought all these add ons as they are now all totally unusable. The games themselves have not changed, only their app to launch them and I can't afford to buy a brand new mac just to play. So my question is how can they change the minimum requirements after I have paid for a game? I agreed to pay for them based on the fact my mac met their requirements and was not informed when purchasing that this would be an issue in the future. I understand new games (like Sims 5 which is to be released next year) might not be compatible but this is a 10yr old game that they have suddenly made inaccessible due to their new launch app. Does anybody know if I can do anything or anyway to get a partial refund from them? Thanks   Here are their T&C... I can't find anything in there about them being able to do this so not sure what to do https://tos.ea.com/legalapp/WEBTERMS/US/en/PC/
    • OK. Thank you all for the input.  I'll ignore their letters of demand but NEVER ignore a letter of claim. I'm bracing myself for the stress as their demands £££ goes up and the case gets sent to debt collectors. 
    • OK.  It was worth a try. Their case is still pants and they have broken their own Code of Practice numerous times.
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Lowell Portfolio No. 1 and trying to make them pay awarded costs


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Hi all, I'm just wondering if anyone has recent experience of Lowell Portfolio No 1?

 

They recently hit me with a Statutory Demand which I successfully got set aside with costs awarded to me against "Lowell" but despite numerous demands from me they still haven't paid up or acknowledged the Court Order and its been around 2 months.

 

I've also been demanding compensation for their failure to supply copies of a credit agreement and notice of assignment in response to my CCA 1974 request for same, and continuing to enforce me to attend Court to get their Statutory Demand set aside even after it had been pointed out to them that I had a rock solid defence in that the alleged account had been fully and finally settled several months earlier by a relative of mine.

 

Does anyone know that they are still around?

 

Does anyone have experience of sueing someone like Lowell for compensation in this way?

 

Also does anyone know the next step in getting costs awarded by the Court actually paid? Is it a case of informing the Court and paying for Bailiffs to be sent round?

 

Any advice would be much appreciated as I don't want to let this shower get away with this.

 

Many thanks.

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Hi all, I'm just wondering if anyone has recent experience of Lowell Portfolio No 1?

 

Cough, cough, splutter, splutter...it's easier asking who doesn't have experience of these people on the debt forums.

 

They recently hit me with a Statutory Demand which I successfully got set aside with costs awarded to me against "Lowell" but despite numerous demands from me they still haven't paid up or acknowledged the Court Order and its been around 2 months.

 

Forget personal demands, contact your local bailiffs. You have a court order for goodness sake.

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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This could be good!

 

If you've got a Court Order and Lowell are ignoring it, get back in touch with the Court. They won't be impressed, and can force Lowell's hand - with baliffs if necessary :D

  • Barclays: WON!!! It took four months but was totally worth it!
  • Cabot: I'm still waiting for an enforcable agreement, more than a year after requesting it. Go on, Uncle Ken, take me to court if you dare. You know you want to!
  • Elephant.co.uk: VICTORY - they admitted there was no debt!
  • Ashbourne Management (gym membership): Finally got my default removed and out-of-court settlement; I'm not finished with them yet!

<--- If I've been helpful please remember the scales ;)

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At some point last year, Lowells had a CCJ registered against them, might have been similar circumstances.

They are so low down on the scale, thay make amoebas seem intelligent.

 

Quick description: They are easily overlooked since they are so transparent or not recognized as living organisms since they often resemble decaying organic remains.

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

Oooh Look....Flying Pigs

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At some point last year, Lowells had a CCJ registered against them, might have been similar circumstances.

 

 

I like the word 'fecula' when refering to the Lowell Group, because it just seems so appropriate.

 

They had several CCJ's, but they were mysteriously removed after the matter became public knowledge through CAG. Even their credit rating was adversely affected, which I found more than a little amusing. You can watch this and other types through Companies House, Company credit check, Business reports, Company reports, Company Information for all UK businesses but beware when using a 'paid for' service on a personal credit card. Showing an interest in such companies may trigger the 'Nosey Numpties'......

HOIST BY THEIR OWN PETARD.

 

Blimey it works....:-)

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a video of the whole episode you will have made them the laughing stock of their profession

 

I thought they already were ;-)

 

YEAHHH, send in the Baliff's - ring the local press in the area they are in- etc etc

Just hate every DCA out there

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come on get on with it u posted this thread early this morning,

 

you sent Baliff's in yet?

 

it sooooooo nice to see the steel toecapped boot on the other foot ain't it :D

If my advice has been helpful please feel free to click on my scales :grin:

 

Creditors and DCAs - Letter Templates & Budget Planner (CCA request letter N)and other templates)

 

Debt Collection Agencies & Statutory Demands, a few strategies

 

Abbey charges, Won

B-card non-disclosure of S.A.R, WON £30 costs awarded

B-Card, court for harrasement, failed to defend WON £175 http://www.consumeractiongroup.co.uk/forum/general-debt-issues/125554-28-days-later-no.html#post1422508

B-Card charges, partial refund, still fighting

Vanquis-Cabot, GIVEN UP :lol:

HFC & my mum, no brainer, no CCA http://www.consumeractiongroup.co.uk/forum/general-debt-issues/133330-hfc-my-mum.html#post1404514

 

PLEASE donate to CAG however small. They are fighting for YOUR rights as a consumer. http://www.consumeractiongroup.co.uk/forum/

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S T R E W T H !!!

 

Ok well thanks for the moral support guys. I was actually thinking someone might encourage me to issue them with a statutory demand for the compensation and costs added together since they have made no attempt to claim they don't owe it all.

 

Or... (or maybe "and") sueing for both lots at once since the costs should be a forgone conclusion and would put the Judge in a friendly mood :O)

 

Oh I forgot to mention they were also after me for another alleged debt which they had no hope on, and there could be some mileage there too.

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"sweet" any 1 would thing think you a money grabbing sod! my answer- GO FOR IT

If my advice has been helpful please feel free to click on my scales :grin:

 

Creditors and DCAs - Letter Templates & Budget Planner (CCA request letter N)and other templates)

 

Debt Collection Agencies & Statutory Demands, a few strategies

 

Abbey charges, Won

B-card non-disclosure of S.A.R, WON £30 costs awarded

B-Card, court for harrasement, failed to defend WON £175 http://www.consumeractiongroup.co.uk/forum/general-debt-issues/125554-28-days-later-no.html#post1422508

B-Card charges, partial refund, still fighting

Vanquis-Cabot, GIVEN UP :lol:

HFC & my mum, no brainer, no CCA http://www.consumeractiongroup.co.uk/forum/general-debt-issues/133330-hfc-my-mum.html#post1404514

 

PLEASE donate to CAG however small. They are fighting for YOUR rights as a consumer. http://www.consumeractiongroup.co.uk/forum/

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They could seize all those £1 postal orders they have received for CCA requests. That should mount up.

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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You got it all wrong guys (pml) Look at this latest piece of advertising from Lowell

 

a better way forward

Lowell Group has developed a way of working which sets us apart.

We go the extra mile to treat people fairly, openly and honestly

whether they are our clients in the boardroom or the debtor

[on the end of a phone

Our people are part of a culture of trust, involvement and innovation

and this allows us to maximise their input and help them to realise

their potential. Our clients are confident in us as we put them at

the heart of everything we do

In terms of systems, no company in our sector gives a higher priority to

technology than Lowell Group. This ensures we gain optimum efficiency

integration and productivity. Lowell Group has risen to become a significant force within our market

We believe this is because we do things better.Our commitment to staying at the forefront of our industry directlybenefits our clients and we are committed to maintaining our position]as leaders in our market delivering better results

get to know Lowell Group better

call us on 0845 279 7123

Just hate every DCA out there

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They must live on a different planet to the Lowells that we all know and love. This is a clear case of false advertising

 

Oh no I disagree. Or more accurately (at least from my own experience) I can't DISAGREE with anything they've claimed as I've found its the people that don't owe them anything (but that they try to scare into believing that they do) that they abuse and treat appallingly, which strangely they don't mention above. The ones they send Statutory Demands to because they know their case is so hopeless it would be a waste of money to issue an actual Court Claim.

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thats enough talk thankyou, what about the friggin bailifs????????????????????????????????????????????????????? we waiting with baited breath

If my advice has been helpful please feel free to click on my scales :grin:

 

Creditors and DCAs - Letter Templates & Budget Planner (CCA request letter N)and other templates)

 

Debt Collection Agencies & Statutory Demands, a few strategies

 

Abbey charges, Won

B-card non-disclosure of S.A.R, WON £30 costs awarded

B-Card, court for harrasement, failed to defend WON £175 http://www.consumeractiongroup.co.uk/forum/general-debt-issues/125554-28-days-later-no.html#post1422508

B-Card charges, partial refund, still fighting

Vanquis-Cabot, GIVEN UP :lol:

HFC & my mum, no brainer, no CCA http://www.consumeractiongroup.co.uk/forum/general-debt-issues/133330-hfc-my-mum.html#post1404514

 

PLEASE donate to CAG however small. They are fighting for YOUR rights as a consumer. http://www.consumeractiongroup.co.uk/forum/

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