So I asked Lowell solicitors for a SAR

they responded with a copy of all the letters as follows

January beg letter to current address

January letter of claim to current address

February beg letter to OLD ADDRESS

February letter of claim to old address

March claim form to old address

March notice of claim issue old address

March notice of pending ccj old address

April a ccj has been issued letter old address

May ccj arrears old address

June ccj arrears old address

October (THE FOLLOWING YEAR)notice of ccj arrears CURRENT ADDRESS.

So they started off the process at current address then old address then back to current address.

This ccj has now gone Lowell have had the bitter taste of lemon just proves how grubby they are!

No wonder they rolled over so easy.

Not heard anything else from them will leave them alone now!!!

Original creditor said October 2012

So I will go with that now?

Have received paperwork from the court

It Is ordered that

1 hearing listed for this Friday be vacated

2 judgement entered herein last year to be set aside and registration removed

3.defendant is directed to file and serve a fully particularised defence supported by documentary evidence

With in 14 days

4 directions questionnaires to be dispensed with and the matter be allocated to the small claims track

5 therebe no order as to costs.

I contacted Lowell to find some more information of the claim and account

They told me who the original creditor was and and last payment was March 2013!

So this can't be statue barred if those dates are correct but do Lowell tell the truth?

They have not received payments was only the last payment to the original creditor.

With the information they gave me of the original creditor i gave them a ring.

They found it on their system after a little searching and confirmed to me the last payment on the account

Was .........@#/10/2012.

Sounds to me like lowells lied to me on the telephone do you think they would do that ?

Defence will have to state that it is in fact statue barred?

Having not hear a thing from low life or the court ,rang court today they have confirmed hearing not going ahead this Friday

Would seam everything is in place for this to be set aside.

A fairly easy process so far hopefully that will be the end of this one

Cca requests going in once they reply to sar

A few defaulted accounts to settle depending on coca

No cca will be a low offer for full and final and marked as satisfied on credit file

When my partner sent off the forms for set aside she was able to claim help with court fees as on low income so it's not cost anything to get it this far.

Have not heard anything back as yet will still be attending court at end of month unless the court notify otherwise.

This must of cost Lowell with the last court claim hopefully they will waste more money in a few months with a new claim

Paperwork has been sent back for them to go ahead with setting this aside

Obviously if had received paperwork if defended it or had the opportunity to pay it saving credit file.

Put paperwork into court stating that it was sent to old address

Never had a chance to defend it or pay

Along with the fee requesting it be delt without a hearing.

There was no default showing on credit file so fairly sure it is/was statue barred when claim went in.

Lowell had been writing to new address.

Ccj registered at old address so perhaps they can see their mistake?

Will subject acess request original creditor if they still hold any data and see what comes back.

Last payment would be early 2012

Never set eyes on the claim form so cant do a defence

Only defence is sent to old address for set aside.

I expect I will have a few reduced settlement offer letters soon

Once get conformation from court I won't be giving Lowell any information unless court paperwork

So If a new claim was sent it would be statue barred?

As over 6 years since last payment?

Having looked at partners credit file Lowell got A default ccj last year

Paperwork sent to old address moved out just over 6 years ago.

Forms filled for set aside hearing date end of this month.

Lowell have e-mailed today

We refer to the above matter and in particular your application to set the judgment aside which has been listed for hearing on ## november 2018.

Upon consideration,our client is proposing to consent to the judgement been set aside and has instructed us to prepare the attached draft consent order for your consideration.we should be grateful if you could sign and return to us by e-mail if possible or post.

Once we are in receipt of the signed draft consent order,we will also sign it on behalf of out client and forward this to the court requesting that the hearing vacated.

Should the court approve the draft consent order we should be grateful ifbyou could provide a copy of your defence so we can take instructions.

Once this ccj is removed if they send a new claim where would statue barred come into play

Did the default ccj stop the clock and restart once removed?

It was a shop direct account around 450 so not a big amount last payment would of been early 2012

The letter did state If you wish to discuss any aspect of this matter please contact our clients collection agents Robinson way on ....who will be happy to discuss this with you.

So I rang them the guy on the phone did say congratulations you won this one the balance is zero.

I have got every letter received from them over the years.

Had another letter from Howard and Cohen

Letting me know thatbthe claim has been discontinued and their client has now permantly closed my account and non further action is required on my part.

I won this one lol

Thanks I'm on with the ICO

And the ombudsmen as well

The bill relates for a so called disconnection fee of a property that I sold and moved out of in 2012

I have British gas deadlock letter and will quote the exact wording that I found very interesting.

Ready?

Here is is ..........just to confirm,contrary to the information that you've provided from the information commissioner's office,british gas did not break any laws or regulations by placing the marker on your credit file almost three years after you'd moved out.

All this for there so called disconnection fee of £69 I belive it to be unlawfull the last payment was September 2012

There default marker June 2015.

I have asked for a copy of the so called Bill all they tell me is it is for electricity used I wonder how many units £69 is?

Have recently checked my credit file I have a default from British gas for £69 recorded at old address on 06/06/2015. I moved out of that address in September 2012!

British gas were claiming at the time £69 disconnection fee for moving house so I paid them for energy usage and left it at that.

Surely they default should of been recorded with in 6 months as 3 years is very wrong.

If it was recorded correctly it would of or very soon drop off.

I have gone through the complaints procedure with British gas and they claim the default is recorded correctly but they do not have any paperwork as they changed computer systems.

I am awaiting the deadlock letter to progress this to the obudsmun.

What are my chances with obudsmun?

don't bait the bears IHB!

next time either ask here first or sit on your hands!

Good to see you still here doing a great job I've not been around for a few years now.

They annoyed me a little don't think any harm done but should do things the cag way will ignore them and put more effort in being about a little more. Many thanks

I personally wouldn't have bothered...dont get into letter tennis..ignore their nonsense

Yes you are right time to chill a little and ignore them

They got me on a bad day

Have a letter from Howard and co

As follows

We note your assertion that this claim is statute barred, however this is denied by the claimant.

A last payment was received on the account on 01 November 2011.

As such, this claim was issued on 17 February 2015 and is therefore not statue barred.

Further,please find enclosed a copy of the claim history from money claims online,to show that the claim remains live.

Therefore,please contact this office to discuss your proposals accordingly.

All I have is the claim history

You submitted a claim on ??/??/2015

Your claim was issued on ??/??/2015

Mr not going to pay filed acknowledgement of service on the ??/??/2015

I have contacted them and told them I will not accept any phone calls from them or any junk mail

Please send me a court claim as the one they refer to was struck

Out.

Thanks Andy, that's what I wanted to hear

It's actually2 days short of 3 years

Will wait for them to follow their clients instructions and issue court papers

I have just received a letter from Howard Cohen and co solicitors

Without prejudice as to save costs settlement offer

Including claim number

With reference to my defence please find enclosed

Signed credit agreement

Default notice

Statement of account

Certificate of name change

Original court claim was Feb 2015 I defended it with CPR request they failed to respond to my defence judge struck it out

Taken them two years to respond (2 days short of)

The last payment was November 2011 so over the 6 years

am I right in thinking that they can not restart the 2015 claim and would have to start a new claim from now but now statue barred

Thanks

Using the hard shoulder that is not what it is intended for

Emergency use only or when signage state to use hard shoulder

Not for any reversing maneuver traffic should only proceed in one direction in a forwards motion!!

Could be a case of dangerous driving to answer for

I've no issues with people parking on the road, as I mentioned. The obstruction of my drive and the damage to my fence is the issue.

 

I've no interest is causing any arguments or conflict. I've not said it's my neighbours, they all park fine.

There is really not a lot you can doif your car is not in your driveway anyone can park across

Surely if anyone drags there Wong mirror across the fence they would have damage to there vehicle

As there car is potentially the second most valuable asset they have after a house

They need to shake there head

Rather than contact the council to see if parking tickets can be issued

Talking to neighbours may be a better approach you have to live there

The amount of people who ask me why I am parked outside their house LEGALLY when I am working I fail to see there problem MOT in place tax insurance all that happens is I do paperwork in van after the job something I would normally do when get home saving me time at the end of the day

Sometimes it is better to live and let live

I doubt there is a template letter for this

Your best bet may be to make a formal complaint to there head office

Stating that the equipment have been returned in the same condition as you received it

Equipment break down and maintenance is down to them

Do not pay them the only way they could claim this would be a court claim

That you could defend anyway

Just because that have written to you does not mean that there is anything to pay

I would say that any defect is put down to business expense/maintenance costs that would go against there tax anyway!

I was disappointed in the quality of work.

We had new spindles placed in a staircase and new under stair storage/door fitted.

 

 

Shelves were left unattached, a light switch left dangling.

Gaps in woodwork.

The original work was estimated to take 3 days

but the guy hardly ever turned up and it took 3 weeks in the end.

 

 

what really irks me is this invoice demanding immediate payment.

I'll pay it as I want to limit further discussion with this guy.

I would hold off paying at the moment

If the work is not to standard

It will costt you to put right at a later date

They should not be leaving electrical in that state my guess is they not qualified and certantly not up to regulations

Get another joiner / carpenter to give you a quote to put things right

What gap is there between spindles on the staircase?

Could also be not to regulations

You say you are not happy with the work done

Apart from the time taken is there anything else

What work was done is not to standard/ regulations?

Anglican appeared on BBC watch dog 2011/12 ish may be worth loonkin on YouTube