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About Lcw91

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  1. Well day in court done. Lowell agent was there. He claimed our defence had not proved we were not liable. The judge said" it's not down to them to prove anything, that's your job". Agent says no default notice is irrelevant to the case. The judge said that may be your opinion but it's not mine. Long story short, the case was dismissed due to no proof that it belonged to us. Agents parting shot was to ask for leave to appeal.... judge said leave refused as it would have no chance of success. Then said good morning. Thank you Andy for your support. Lowlife lose again. Lcw
  2. Thanks Both. also just noticed that the amount on their statement and so called letters doesn't even match the amount claimed before costs. These are clowns. neither do their account number show on her credit files either.
  3. Yes I did. on 23rd March. The agreement came with the witness statement as an exhibit on May 27th. It is attached in earlier post.
  4. Problem is my WS has to be in by tomorrow. We have had loads of issues that have delayed us personally. I put on the DQ that I would be the expert Witness, can I then speak at the hearing? Not sure if they have paid but they have until 22nd to do so.
  5. yes but it is way too much to put on here Andy. I cant scan it either at the mo as my scanner is out of action.
  6. defence I filed: o I received the claim XXXXXX from the Northampton County Court on 26/02/2017. o Each and every allegation in the Claimant's statement of case is denied unless specifically admitted in this Defence. o This claim appears to be for a Catalogue Account agreement regulated under the Consumer Credit Act 1974. o The Claimant's statement of case fails to give adequate information to enable me to properly assess my position with regards the claim. o The particulars of claim fail to state when the agreement was entered into. o The Claimant's statemen
  7. Interesting to note: they say in the claim the agreement was from 2008 The defendant was not even with me then let alone this address. also different name too.
  8. What is the value of the claim? £400 Particulars of Claim 1) Defendent entered at CCA 1974 regualted agreement with J D Williams 2) The defendent failed to maintain the required payments and a default notice was served and not complied with. 3) The agreement was later assigned to Claimant on 20/12/2012 4) Despite repeated requests the sum of £350 remains due and outstanding. The claimant claims a) sum of £350 b) Interest pursuant to s69 at the rate of 8% per annum. c) Costs Is the claim for - a Bank Account (Overdraft) or credit card or loan or
  9. Yes I know that but the terms and cca should surely be for the same company.
  10. Just a quickie I think: I'm preparing WS for my wife to be issued tomorrow, Lowell (J D Williams) 1. Agreement sent has no date, credit limit or signature 2. Agreement is for Fashion World not JDW 3. T&C's are for Ambrose Wilson not JDW or FW 4. T&C's are dated 24/05/10 5. The above does not correspond to the agreement. 6. Lowell are unable to lace original default notice so no proof one was even issued correctly. Are these issues valid in our defence. Any thoughts? Debt is for £400 and court date set for July. Thanks
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