No CCA or CPR

The date on MCOL is 25/02/19 I had to look up freeman of the land and no nothing of the sort. What started it 2 years ago with my case was on the court form was the word Assigned not brought or purchased. I had a run in with a firm that the SRA shut down and they told me I should have read the terms and conditions so with Argos I did. When Lowell contacted my wife with the same thing I advised them 2 years ago they did the same with me and after the defence, I used the same would be the same defence used again. but they still sent it to the county court Argos actually changed their terms and conditions after that Charlie

Lowell by their own admission is a specialist debt purchaser. Argos Card services sold my debt to Lowell and after all the letters the one from the county court arrived I disputed it. With the information above as Lowell could not be the legal owner of the debt as it was against the agreement terms and conditions and they brought it at their own risk. Lowell never took it any further. Last week Lowell went through the county court with my wife's card from 2007 sold to Lowell in 2017. The same dispute was sent back to the court with the additions that Argos also breached their own data policy by passing data to a 3rd party outside of the Sainsburys group. The defence acknowledgement came back from the court and now waiting to see what they do next

Lowell took me to the county court my defence was that Argos terms and conditions did not allow them to do it due to item 14.1 below that as Lowell is not a financial services provider, Lowell also brought the debt at their own risk Argos card from2007 14 Assignment 14.1. We may transfer to any person any or all of our rights and duties under this agreement (including our duty to lend to you). This means that we can pass on our rights and duties to another financial services provider, such as a bank or other credit card provider, who may take over the running of your account. We will tell you if we do this. Your rights under this agreement will not be affected if we do so. The new provider might then issue you with a different credit card design or even send you a different type of credit card - a Visa orMasterCard for example. However, you always have the right to terminate this agreement (see Condition 10 above). 2018 Missing payments If you fail to pay any amounts when due under this agreement, we will have the right to end this agreement as described in further condition 7, and/or to take action to recover all outstanding amounts under this agreement, or to instruct a third party to take such action on our behalf. Missing payments could have severe consequences including making credit more difficult to obtain in the future. We may take legal action against you if payments are not made. If that action is successful, we may apply to the courts to enforce that judgment. 7.2 If we end this agreement, your credit records may also be affected in a way that makes it more difficult or expensive to get further credit. After we have sent you the notices which the law requires, we may start legal proceedings against you to recover what you owe to us or will ask your executor or trustees to pay the full amount you owe us. If we obtain a judgment, we may apply to the Court to enforce payment of it, for example, out of your income or by securing a charging order against your home. We may also sell the debt and the buyer may follow a similar process to recover the debt. 14 Assignment 14.1 You may not transfer any of your rights or duties under this agreement. 14.2 We may transfer any or all of our rights or duties under this agreement to another organisation (including organisations outside the European Economic Area). If we do this, we may let them have any information about you and any additional cardholder. We may also arrange for any other person to carry out our rights or duties under this agreement. Your rights under this agreement and your legal rights (including under the Consumer Credit Act 1974) will not be affected. And the best one of all Data Protection We (Home Retail Group Card Services Limited) are owned by Sainsbury’s Bank and both companies are part of the Sainsbury’s Group, which also includes Argos and Nectar. We will keep any information you have provided to us confidential but you agree that we may share this information with the Sainsbury’s Group.