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    • They have defended the claim by saying that the job was of unsatisfactory standard and they had to call another carpenter to remedy. My husband has text messages about them losing the keys a second time and also an email. What do they hope to achieve??? Most importantly,  as far as I have seen online, now I need to wait for paperwork from the court, correct?
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    • They did reply to my defence stating it would fail and enclosed copies of NOA, DN Term letter and account statements. All copies of T&C's that could be reconstructions and the IP address on there resolves to the town where MBNA offices are, not my location
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    • My defence was standard no paperwork:   1.The Defendant contends that the particulars of claim are generic in nature. The Defendant accordingly sets out its case below and relies on CPR r 16.5 (3) in relation to any particular allegation to which a specific response has not been made. 2. Paragraph 1 is noted. The Defendant has had a contractual relationship with MBNA Limited in the past. The Defendant does not recognise the reference number provided by the claimant within its particulars and has sought verification from the claimant who is yet to comply with requests for further information. 3. Paragraph 2 is denied. The Defendant maintains that a default notice was never received. The Claimant is put to strict proof to that a default notice was issued by MBNA Limited and received by the Defendant. 4. Paragraph 3 is denied. The Defendant is unaware of any legal assignment or Notice of Assignment allegedly served from either the Claimant or MBNA Limited. 5. On the 02/01/2023 the Defendant requested information pertaining to this claim by way of a CCA 1974 Section 78 request. The claimant is yet to respond to this request. On the 19/05/2023 a CPR 31.14 request was sent to Kearns who is yet to respond. To date, 02/06/2023, no documentation has been received. The claimant remains in default of my section 78 request. 6. It is therefore denied with regards to the Defendant owing any monies to the Claimant, the Claimant has failed to provide any evidence of proof of assignment being sent/ agreement/ balance/ breach or termination requested by CPR 31.14, therefore the Claimant is put to strict proof to: (a) show how the Defendant entered into an agreement; and (b) show and evidence the nature of breach and service of a default notice pursuant to Section 87(1) CCA1974 (c) show how the claimant has reached the amount claimed for; and (d) show how the Claimant has the legal right, either under statute or equity to issue a claim; 7. As per Civil Procedure Rule 16.5(4), it is expected that the Claimant prove the allegation that the money is owed. 8. On the alternative, as the Claimant is an assignee of a debt, it is denied that the Claimant has the right to lay a claim due to contraventions of Section 136 of the Law of Property Act and Section 82A of the consumer credit Act 1974. 9. By reasons of the facts and matters set out above, it is denied that the Claimant is entitled to the relief claimed or any relief.
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Lowell - Vodafone debt from 2011


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Hi all,

My wife had a Vodafone account back in 2010 which she stopped paying in April 2011 as she couldn't get access to her online billing. Vodafone were debiting various amounts via direct debit and despite numerous requests to Vodafone she was never able to gain access to her online account or get paper bills but they kept saying they had fixed it but never did (it was a well known problem for many Vodafone customers at the time!)

 

In recent months, she has been getting standard letters from Lowell asking for payment. The most recent letter was prefixed with "Pre Legal Assessment" in green writing at the top.

The first line of the letter says "Your Vodafone account is still unpaid"

It still seems an ordinary letter but just a little different enough to ask questions!

 

There is no sign of a default registered on her credit files with either Noddle or Clearscore.

 

My query; Is this debt "owned" by Lowell ? ( I don't recall ever seeing a letter of assignment to Lowell) or are they just chasing on behalf of Vodafone ?

 

Given that the last payment to Vodafone was in April 2011 - Is this now statute Barred ? If so should we send a SB letter to Lowell ?

 

Many thanks

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its SB'd

 

 

but if the letter doesn't threaten court then they are doing nothing wrong

in England & wales they can ASK for payment as all SB does is removes enforcement of any judgement so they don't bother.

 

 

did she take this voda account out at her present address?

please don't hit Quote...just type we know what we said earlier..

DCA's view debtors as suckers, marks and mugs

NO DCA has ANY legal powers whatsoever on ANY debt no matter what it's Type

and they

are NOT and can NEVER  be BAILIFFS. even if a debt has been to court..

If everyone stopped blindly paying DCA's Tomorrow, their industry would collapse overnight... 

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DX Hi,

Thanks for taking the time to reply :-)

 

I understand that they can ask and the letter isn't really threatening anything as yet!

 

No, the original agreement was taken out at a previous address (she had to move a few times before we got together due to an abusive ex) , Does this make a difference ?

 

Many thanks

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yes it does

as they can quite legally issue a claimform and get a default judgement at the old address even if the debt IS SB'd.

 

 

i'm not a fan of letter tennis with powerless DCA's

they are NOT BAILIFFS

 

 

but in this instance fire our SB letter off to them.

 

 

debt collection section of the library I think

please don't hit Quote...just type we know what we said earlier..

DCA's view debtors as suckers, marks and mugs

NO DCA has ANY legal powers whatsoever on ANY debt no matter what it's Type

and they

are NOT and can NEVER  be BAILIFFS. even if a debt has been to court..

If everyone stopped blindly paying DCA's Tomorrow, their industry would collapse overnight... 

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Thanks DX, SB letter already created and ready to go :-)

 

More than a bit sneaky to be able to issue a claimform to an old address- especially as they are communicating to the current address me thinks!

 

Thank you for the advice

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no they aren't communicating with you

they are phishing letters.

if no response is given & the debtor has not officially written to the old original creditor/previous debt owner or the debt buyer with their new address, which is a must in todays climate.

 

 

you leave yourself open to a quite legitimate CCJ

 

 

dx

please don't hit Quote...just type we know what we said earlier..

DCA's view debtors as suckers, marks and mugs

NO DCA has ANY legal powers whatsoever on ANY debt no matter what it's Type

and they

are NOT and can NEVER  be BAILIFFS. even if a debt has been to court..

If everyone stopped blindly paying DCA's Tomorrow, their industry would collapse overnight... 

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Good advice from DX, I would check also credit files, Their pre legal phishing letter if ignored could well lead to a naughty backdoor default CCJ at her old address, that is one of Lowell's modus operandi, so the SB letter is essential.

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