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Mdg123

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  1. Just in case it happens to anyone else i couldn't get the link to work from Andys post in the forum because i was using a VPN! Ooops Also just had a quick question. Is there any significance that Lowells N180 has put 0 for amount of witnesses? Do they not intend to have someone attend the hearing?
  2. Thanks gents. Dx that link doesn't work for me but the new one supplied by Andy does
  3. Afternoon all, Received the N180 and have to file it by the 6th April. Trying to use the editable N180 from the Andys forum post here.... When i click the link in the post it says: 403 - Forbidden: Access is denied You do not have permission to view this directory or page using the credentials that you supplied. Have tried logging out and back in to the forums with no luck can anyone suggest where else i could find the editable N180 or could someone maybe send it to me? Thanks, MDG
  4. Not yet but have checked MCOL and the status has been updated to reflect the claimant has filed the DQ's yesterday so just waiting on the post. Probably get tomorrow. Have prepared mine with the help of the following link ready to send off. Now just getting ready with formalising my witness statement!!
  5. N180/DQs back from lowell sols the other day. They'll probably give it a week or two before filing with court based on other posts I've read. Have been reading up in the downtime and have started drafting my witness statement. Planning a massive smack down on the lowlife fleecers as best I can with the help of the CAG forum..... Watch this space
  6. Thank you kind sir. Defence submitted! Prefer to be a few days early if prepared as anything can happen! So..... N180 or auto stayed?? Doubt they will let it get auto stayed as they probably believe they have enough to convince a judge so DJ lottery i guess it will become. Will obviously let you all know as and when i hear or don't hear anything!
  7. Thank you Andy. A gentleman with your time and advice as always. I've tidied up my defence below. Is this ok? Or a bit overkill for initial defence? Many thanks, MDG Particulars of Claim 1.The defendant entered in to a consumer credit act 1974 regulated agreement with Vanquis under account reference xxxxxxxx ('the agreement') 2.The defendant failed to maintain the required payments and arrears began to accrue 3.The agreement was later assigned to the claimant on 27/09/19 and notice given to the defendant
  8. Dx, thank you sir! I appreciate you saying that even though it is all mainly for my own benefit. Just hope it helps others also if they read this thread. And thank you Andy i will amend my above defence in due course as i have noticed some errors i have made when going ad lib off of some previous defences i have copied from. As for POC 2. response Dx has seen the DN provided from the Lowells that i uploaded in post 7 and has said that it is compliant and not noted in POC. Should i just respond that it is noted? Or because i cant remember receiving it go with
  9. Hi all, Lowell sols have responded to my cpr with exactly the same documentation as Lowells sent through. So still no valid agreement! Defence due Friday by 4pm. I have updated my defence below based on your points Dx. Many thanks. Would you and Andy mind having a scan over before i send off on Friday please? Cheers in advance as always Particulars of Claim 1.The defendant entered in to a consumer credit act 1974 regulated agreement with Vanquis under account reference xxxxxxxx ('the agreement')
  10. CPR sent off. Have been reading up and come up with the defence below ready to send off the day before it's due on the 5th March. Think i've married everything up right and met the points set out in the POC correctly but obviously still pretty novice as, a.... well, novice that i am! Any pointers greatly received and obviously still plenty of time to refine in less anyone can see any glaring errors i need to go and read up more on? Might be a bit too full on for an initial defence? Maybe be a bit more vague? Many thanks in advance as always to yo
  11. Thank you sir Just wanted to confirm. Will hold off on the CPR and just get my defence planned out. I will reply again when i have my defence sorted in the hope that the brilliance of you and Andyorch can have a quick look through before i upload to MCOL. Thanks again
  12. As always thanks Dx! AOS done. I believe i should do a CPR and it's written up and ready to send off tomorrow. Should i do another CCA request as well? Most recent CCA request return from Lowell is in post 7. As for defence do i just go with no paperwork/holding defence? Many, many thanks as always for any advice received.
  13. This now a claimform.... AOS done. CPR written up and ready to send off tomorrow. Should i do another CCA request as well? Most recent CCA request return from Lowell is in post 7. As for defence do i just go with no paperwork/holding defence? Many, many thanks as always for any advice received. Name of the Claimant ? Lowell Port & Lowell Sols Date of issue – 2/2/2021 AOS due - 19/2/2021 (2 weeks plus 5 days) Defence due - 5/3/2021 (33 days total) Particulars of Claim 1.The
  14. Right think i've redacted everything this time. And done with all docs except middle pages of statement, If you need them though let me know but every other page of both letters are now uploaded and hopefully correctly redacted! Please let me know your thoughts? Fight or flight? CCA Return Word_compressed.pdf
  15. Sooo.... This one has had a response now. Lowell have written to me and provided alleged copies of terms and conditions, default notice, credit agreement and a full statement. Damn seems like vanquis are on it for old documentation! At least it's not a claim form. Yet anyway. What do you guys suggest? My disposable income isn't great at the moment especially with being furloughed for nearly half the year. Should I write to them offer a £1 a month or??
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