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About Craftygirl42

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  1. Thank you Andy, I appreciate you looking on a Bank holiday. Off to click send now on MCOL
  2. Defence The Defendant contends that the particulars of claim are vague and 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. 1. Paragraph 1 is noted. I have in the past had an agreement with J D Williams but do not recognise this specific account number or recollect any outstanding debt and have therefore requested clarification by way of a CPR 31.14 and a section 78 request under the Consumer Credit Act 1974. 2. Paragraph 2 is denied
  3. Thank you Andy. I will get the letters out and acknowledge service tomorrow. Then once I get back I will look at defences and hopefully someone will be able to confirm that I have that right. Thank you for your help
  4. Name of the Claimant: Lowell Portfolio Date of issue: 28 July 2017 What is the claim for – the reason they have issued the claim? 1.The claim is for the sum of £640 due by the defendant under the agreement regulated by the consumer credit act 1974 for a J D Williams account with an account reference xxx. 2. The defendant failed to make contractual payments required by the agreement and a default notice was served under s.87(1) of the Consumer Credit Act 1974 which has not been complied with. 3.The debt was legally assigned to the claimant on xxxx, notice of w
  5. Thank you both for the advice Payments ceased I think late 2009, another year to statute barred I am not totally sure when the agreement was taken out but from looking back I think its in excess of 10 years ago. I did put the account into dispute with Capital one and that's why they received it back from the DCA at that point. I have sent the CCA request letter and have also requested in writing they don't ring work as they have been asked not to but continue to do so
  6. We have started receiving letters from Lowells re a Cap one account. In March 2010 it was being handled by another DCA and we requested a CCA from Cap one. They didn't provide one, but provided terms and condition and a reconstituted copy of the agreement. I then sent an account in dispute letter and they replied sending the same reconstituted agreement. It was shortly taken back by Capital one and nothing was heard from since, until Lowells and hamptons started chasing, as I believe they have done to others lately. I haven't been around for a while, does the
  7. Just a little update on this as been dragging on for a long time. The SD scared the life out of us as we own our own house with some equity, so decided to agree a payment plan with them. We also requested a copy of the agreement which we not supplied with. We decided earlier this year to stop the payments and explained that we didn't think this agreement was enforceable. Today after its taken them some months to investigate our complaint they have written to us saying they have written the account off and it now has a zero balance. I am angry that they put us through the stress on
  8. They are all the same company including Bramber, its just another desk or office in the same company. I have had dealings with all of them in the past
  9. They said it was due to a breakdown in trust or something like that. This was at the hearing. They showed her the CCTV of her and the woman who takes the money from the safe (she was the person taking the notes at the hearing) and my daughter said it was equally unclear on the CCTV of how many pods the woman took out the safe, the woman started getting stressed about this and saying she hadnt taken the money, daughter equally said it wasnt her. They wouldnt listen and it appears it was a foregone conclusion. They told her they would pay her for this week and for next and any outstandin
  10. is she entitled to a copy of the CCTV up until the time the safe was emptied which was apparently a week later
  11. She could leave it out on her CV as been working elsewhere too but the trouble is she is well known in the area from her previous job and mud does stick
  12. That is so wrong then, she can have this against her for the rest of her life and there is nothing she can do about it. This is still defamation of character
  13. Seen her contract and she has only been there 6 1/2 months. So are you saying she has no rights to fight this slur against her name cos she has only worked there a short time. Ericsbrother, its under £500 so dont think its a case of keeping the business going, but I will get her to ask the questions you suggested
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