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    • Thankyou very much i will be around all day it would be appreciated Below is another attempt :     IN THE COUNTY COURT AT ***************                 CLAIM NO:**********     BETWEEN:   LOWELL PORTFOLIO I LTD CLAIMANT   and   MRS *********************** DEFENDANT   ------------------------------------------------------------------------------------------------------------------------   WITNESS STATEMENT OF ******************   ------------------------------------------------------------------------------------------------------------------------   I, ******************************************* WILL SAY as follows:   I make this Witness Statement in support of my defence in the claim.     INTRODUCTION   1. It is my understanding that the claimant is an Assignee, a buyer of defunct disputed or bad debts, which are bought on mass portfolios at a much reduced cost to the amount claimed 10p to 15p in the £1 and to which the original creditors have already written off as a capital loss and claimed against taxable income. Lowell Portfolio I Ltd issue claims to circumvent and claim the full amount of debt to maximise profit.   2. As an assignee or creditor as defined in section 189 of the CCA this applies to this new requirement on assignment of rights. This means that when an assignee purchases debts (or otherwise acquires rights under a credit agreement) it also acquires certain obligations to the borrower including the duty to comply with CCA requirements (such as the rules on statements and notices and other post-contractual information). The assignee becomes the creditor under the agreement. This ensures that essential consumer protections under the CCA cannot be circumvented by assigning the debt to a third party.   BACKGROUND 3. The Claim relates to an alleged Credit Card Agreement between the defendant and Vanquis Bank   4. Whilst it is accepted that the defendant has in the past had financial dealings with Vanquis, the defendant is unaware of what alleged debt the claimant refers, and the defendant has not entered into any contract with the Claimant.   5.The defendant made a formal written request to the Claimant for them to provide me with a copy of my Consumer Credit Agreement as entitled to do so under sections 78 of the Consumer Credit Act 1974 on the 27th August 2019 along with the standard fee of £1.00 postal order to which the defendant received a reply dated 6th September 2019 putting their account on hold whilst they tried to gather the information.   6.The defendant received a reply dated 24th October 2019 with no CCA attached other than the documents which enclosed a statement, default notice, notice of assignment from Vanquis to Lowell & a reconstituted copy of an agreement which the claimants have already provided in their witness statement dated 3rd August 2020.   7.On 15th January 2020, I received a claim form from the County Court Business Centre, Northampton, for the amount of £******. The claimant contends that the claim is for the sum of £********* in respect of monies owing under an alleged agreement with the account no ******************* pursuant to The Consumer Credit Act 1974 (CCA). Contained within the claimants particulars the claimant states that the account was subject to assignment from Vanquis to Lowell on 24 June 2015 with notice given.   CONCLUSION 8.To date no valid full true copy of the executed credit agreement or the terms and conditions have been disclosed .the claimant has no grounds on which to enforce this alleged debt.   9.The claimant disclosed various screenshots taken from the originators software of the application and also confirms on their covering letter the relative legislation The Electronic Communications Act 2000 with regards to wet signatures and the requirement of a tick box to validate the application. The screenshots are devoid of any tick box or any authenticity of IP address conformation check.   10.Therefore the claimant remains in default of my section 78 request and pursuant to section 78 6a of the CCA1974 the claimant is not entitled, while the default continues, to enforce the agreement.   11.For the above reasons the claim bought by the claimant is without merit and an abuse of the court process. It would be far more gracious and forthright for the claimant to admit that they do not have possession of the correct valid paperwork and this is an attempt to mislead and convince the court that the claimant can disclose the legal valid documents on which its claim relies on. It is therefore requested that the Claimants Claim is struck out pursuant to the above.   STATEMENT OF TRUTH   I, ************** the defendant, believe the facts stated in this witness statement are true. I understand that proceedings for contempt of Court may be brought against anyone who makes, or causes to be made, a false statement in a document verified by a statement of truth without an honest belief in its truth.   Signed: …………………………………………… Print Name: ************* Dated: 4th August 2020
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      I was in Sainsbury’s today and did scan and shop.
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daarab

Digital Signatures

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Hi all

 

Lloyds Tsb are refusing to deal with me because the signature I put on the letters do not match the real signature of the person I am writing for.

 

I don't want this person to sign because LTSB have an unenforceable agreement for a credit card, and without casting aspersions I do not wish her signiaure to appear on Credit Agreement.

 

I have been dealing with LTSB on this account for nearly 3 years I had authrority because they kept phoning me and I kept arranging repayments, but since March, since I have asked some probing questions they just refuse to deal point blank with me. And keep quoting data protection act.

 

What options do I have for me to fire back at them.

 

Cheers all


Just remember to keep smiling and ask if you need help. :-)

 

I can't read and I can't write, but that don't really matter, cos I come from Lincolnshire, and I can drive a tractor.

CCA sent to robinson way Halifax cc. 22/02/07~Sold on to Aktiv Kapital~How can you take them seriously when they can't spell properly

Data Protection Act sent to HBOS Current Account 22/02/07~All quiet

Over 2 yaers I've been a member~Doesn`t time fly when your having fun~or beating DCA's at their own game

 

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I found this on a thread in here. Your friend can sign the letter and it can't be lifted and transferred onto another document.

 

ANTITAMPERSIGN.jpg

 

Just right click the image, select Save Picture As and save it on your computer. You can add it onto Microsoft word. If you need any help then let me know.


:cool::cool: Blondmusic :cool::cool:

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Report them to TS and the OFT for breaching OFT guildines in not dealing with a third party to represent her. Also breaching CPUT R 2008.


"To love unconditionally is the greatest gift, laughter is a close second" .To give your time to help others after being helped here is the best way to show your appreciation to your fellow CAG members.

 

Please note that this advice is given informally, without liability and without prejudice. Seek the advice of an insured qualified professional if you have any doubts. All my knowledge has been gained here, for which I'm very grateful. I'm a Journalist, not a law professional.

 

If you do PM, make sure to include a link to your thread as I don't give out advice in private ;)

BB 13 - DCAs/banks and solicitors 0.

 

I get a fresh start to get on with learning to live with severe disabilities when they could have had something if they'd been understanding...

 

<--- If you feel I've helped, please twinkle my star :)

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i made the original antitamper, if anyone wants the original in hi-res PM an email and i will send it, its a 1.8 meg file

 

they can be made with a sig included as below

 

ANTITAMPERSIGN2.jpg

Edited by kiptower
  • Haha 1

NEVER FORGET

 

[sIGPIC][/sIGPIC]

 

Help Our Hero's Website

 

http://www.helpforheroes.org.uk/

 

HIGHWAY OF HEROES

 

http://www.consumeractiongroup.co.uk/forum/bear-garden/181826-last-tribute-our-lads.html

 

Like Cooking ? check the Halogen Cooker thread

http://www.consumeractiongroup.co.uk/forum/bear-garden/218990-cooking-halogen-cookers.html

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i made the original antitamper, if anyone wants the original in hi-res PM an email and i will send it, its a 1.8 meg file

 

they can be made with a sig included as below

 

ANTITAMPERSIGN2.jpg

 

I'm sending you a pm about this


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emailed you Marc

 

take it you want a CAG version of it ,, :D


NEVER FORGET

 

[sIGPIC][/sIGPIC]

 

Help Our Hero's Website

 

http://www.helpforheroes.org.uk/

 

HIGHWAY OF HEROES

 

http://www.consumeractiongroup.co.uk/forum/bear-garden/181826-last-tribute-our-lads.html

 

Like Cooking ? check the Halogen Cooker thread

http://www.consumeractiongroup.co.uk/forum/bear-garden/218990-cooking-halogen-cookers.html

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Theres nothing in the data protection act that says or implies they can refuse without a sig.

Only that a Data controller can refuse an application if they are not satisfied that the person making the request is the subject.

The exact wording can be found in section 7.3.1


Have a happy and prosperous 2013 by avoiiding Payday loans. If you are sent a private message directing you for advice or support with your issues to another website,this is your choice.Before you decide,consider the users here who have already offered help and support.

Advice offered by Martin3030 is not supported by any legal training or qualification.Members are advised to use the services of fully insured legal professionals when needed.

 

 

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emailed you Marc

 

take it you want a CAG version of it ,, :D

 

I'll gladly pay a fee for one of these, if it goes to CAG:D


Who ever heard of someone getting a job at the Jobcentre? The unemployed are sent there as penance for their sins, not to help them find work!

 

 

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7. 4. 2

deals with third party requests and compliance.


Have a happy and prosperous 2013 by avoiiding Payday loans. If you are sent a private message directing you for advice or support with your issues to another website,this is your choice.Before you decide,consider the users here who have already offered help and support.

Advice offered by Martin3030 is not supported by any legal training or qualification.Members are advised to use the services of fully insured legal professionals when needed.

 

 

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watch this space there maybe a CAG security background shortly,


NEVER FORGET

 

[sIGPIC][/sIGPIC]

 

Help Our Hero's Website

 

http://www.helpforheroes.org.uk/

 

HIGHWAY OF HEROES

 

http://www.consumeractiongroup.co.uk/forum/bear-garden/181826-last-tribute-our-lads.html

 

Like Cooking ? check the Halogen Cooker thread

http://www.consumeractiongroup.co.uk/forum/bear-garden/218990-cooking-halogen-cookers.html

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Why has my post #3 been cagbotted?


"To love unconditionally is the greatest gift, laughter is a close second" .To give your time to help others after being helped here is the best way to show your appreciation to your fellow CAG members.

 

Please note that this advice is given informally, without liability and without prejudice. Seek the advice of an insured qualified professional if you have any doubts. All my knowledge has been gained here, for which I'm very grateful. I'm a Journalist, not a law professional.

 

If you do PM, make sure to include a link to your thread as I don't give out advice in private ;)

BB 13 - DCAs/banks and solicitors 0.

 

I get a fresh start to get on with learning to live with severe disabilities when they could have had something if they'd been understanding...

 

<--- If you feel I've helped, please twinkle my star :)

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Why has my post #3 been cagbotted?

 

No idea. The only thing i can see wrong with it is the spelling. You put Guildlines instead of Guidelines. Don't worry i do it all the time being a blonde.


:cool::cool: Blondmusic :cool::cool:

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I would be tempted to write back stating the times they have happily discussed this account with you. Add on a nice question about when did the Data Protection change to suddenly stop you being able to discuss this account. It does not matter if all the contact you had was by telephone, after all they do not know whether or not you have recorded evidence.

 

Not too sure on the fool-proof signature box, not too difficult to tippex around and go over the signature with a black thin marker pen, re-scan etc.

 

I would introduce a new signature, over the years it frequently changes anyway. In case of any misuse of the new signature, get some-one to sign a letter confirming they have seen your previous signature and are happy you are the one signing the new one. Do not pass this on, it is just useful to keep for your own records.

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Thanks for all you input so far.

 

And

 

It now looks like we are gonna get a CAG tamper signature strip.


Just remember to keep smiling and ask if you need help. :-)

 

I can't read and I can't write, but that don't really matter, cos I come from Lincolnshire, and I can drive a tractor.

CCA sent to robinson way Halifax cc. 22/02/07~Sold on to Aktiv Kapital~How can you take them seriously when they can't spell properly

Data Protection Act sent to HBOS Current Account 22/02/07~All quiet

Over 2 yaers I've been a member~Doesn`t time fly when your having fun~or beating DCA's at their own game

 

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Why has my post #3 been cagbotted?

 

 

Its a mystery-but nothing to worry about-can you confirm that the post is the same as the one you wrote ?

:)


Have a happy and prosperous 2013 by avoiiding Payday loans. If you are sent a private message directing you for advice or support with your issues to another website,this is your choice.Before you decide,consider the users here who have already offered help and support.

Advice offered by Martin3030 is not supported by any legal training or qualification.Members are advised to use the services of fully insured legal professionals when needed.

 

 

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It's been put back :confused:


"To love unconditionally is the greatest gift, laughter is a close second" .To give your time to help others after being helped here is the best way to show your appreciation to your fellow CAG members.

 

Please note that this advice is given informally, without liability and without prejudice. Seek the advice of an insured qualified professional if you have any doubts. All my knowledge has been gained here, for which I'm very grateful. I'm a Journalist, not a law professional.

 

If you do PM, make sure to include a link to your thread as I don't give out advice in private ;)

BB 13 - DCAs/banks and solicitors 0.

 

I get a fresh start to get on with learning to live with severe disabilities when they could have had something if they'd been understanding...

 

<--- If you feel I've helped, please twinkle my star :)

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I do like that idea, but what's stopping dca putting it over a lightbox and copying it onto somthing else.

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how are they going to remove the impregnated bit in the actual signature also there is a digital watermark in it


NEVER FORGET

 

[sIGPIC][/sIGPIC]

 

Help Our Hero's Website

 

http://www.helpforheroes.org.uk/

 

HIGHWAY OF HEROES

 

http://www.consumeractiongroup.co.uk/forum/bear-garden/181826-last-tribute-our-lads.html

 

Like Cooking ? check the Halogen Cooker thread

http://www.consumeractiongroup.co.uk/forum/bear-garden/218990-cooking-halogen-cookers.html

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They could trace it the old way or scan it, add a new layer, go over it and delete the bottom layer.

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Regardless, when you send a letter at least they will know that your not your average 'joe'.

Show proof of any DCA or their 'clients' fraudulently using your signature, I doubt you can, and I strongly doubt they ever have.

However, printing and not signing your name is just another tool in the Caggers toolbox :D:D


Who ever heard of someone getting a job at the Jobcentre? The unemployed are sent there as penance for their sins, not to help them find work!

 

 

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hi bazooka

i had 100% proof of shall we say creative edditing via a graphologist

it does happen

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there are experts that can create things in software such as photoshop, then there are those that can detect when its been tampered with,


NEVER FORGET

 

[sIGPIC][/sIGPIC]

 

Help Our Hero's Website

 

http://www.helpforheroes.org.uk/

 

HIGHWAY OF HEROES

 

http://www.consumeractiongroup.co.uk/forum/bear-garden/181826-last-tribute-our-lads.html

 

Like Cooking ? check the Halogen Cooker thread

http://www.consumeractiongroup.co.uk/forum/bear-garden/218990-cooking-halogen-cookers.html

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hi bazooka

i had 100% proof of shall we say creative edditing via a graphologist

it does happen

 

I think we are talking the same language here, having done a little for mike India I am well aware of forging sigs and letters...;)


Who ever heard of someone getting a job at the Jobcentre? The unemployed are sent there as penance for their sins, not to help them find work!

 

 

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