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    • i would suggest you look at the dates of posts on those other forums paypal do not sell debts and even if they do, there is stuff and all any debts buyer could do yo you in the UK. forget it, or even better go complaint to your bank and tell them paypal did not advise you £1200 would come out of your a/c, which they should do, and that it was the result of fraud. you don't have to tell them any details.   as for the rest of your debts..   debt IS NOT A CRIMINAL OFFENCE IN THE UK..where the beep did you get that from!!   pers i'd be opening a parachute account and getting asll your income paid into that so NO-ONE can get their hands on it. cause NW are just about to introduce 40% OD int rate and they will forever be draining you of money   get OUT NOW from them.   dx      
    • I'm aware there are some grammatical and reference errors but the post expired before I could fix. I'd really like to know if I've made valid points or not. Thanks.
    • Another thing, they say they have photographic evidence of the entry and exit times, but have not included it in the SAR. If they have photos shouldn't they provide them in the SAR? And if they don't have them now, how can they prove anything?    Should I ask OBS to produce the photos?
    • Is this any better?  I've resigned myself to losing. Admittedly, I don't quite know what I'm doing. I just hope I get a remote hearing, that should save me some embarrassment.      1) The Claimants pleaded case is that the Defendant entered into an agreement with Provident subsequently assigned to Vanquis Bank Limited under account reference xxx.    2) It is admitted I have had financial dealings with Provident in the past. However, have no recollection of the alleged reference number the claimant refers to.   3) In February 2019 I 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.    4) On the 21 June 2019 the Claimant sent a response which enclosed a reconstituted copy of an agreement, default notice, notice of assignment Provident to Vanquis, notice of assignment Vanquis to Lowell. [EXHIBIT x, x & x].   5) On 30/07/19, I received a claims form from the County Court Business Centre, Northampton, for the amount of £369.84. The claimant contends that the claim is for the sum of £369.84 in respect of monies owing under an alleged agreement with the account no xxxx  pursuant to The Consumer Credit Act 1974 (CCA).   6) Contained within the claimants particulars the claimant states that the account was subject to assignment from Provident to Vanquis. The claimant states a further assignment to them occurred on 12/06/2017 with notice given.    7) It is denied notice of assignment from Provident to Vanquis and subsequently Vanquis to Lowell were ever received.    😎 The claimant states documents were received at both addresses. The claimant doesn’t appear able to confirm my address and therefore cannot say with certainty said documents were received. Furthermore, the client did not issue said documents and therefore cannot prove delivery.     9) It is denied any communication took place with myself and Vanquis Bank Limited. Any alleged legal assignment to part of the “Fresh Start” initiative had not been informed. I have no previous knowledge.   10) Under the consumer credit act 2006, until debts have been repaid, there is an obligation to send statements and notices to the debtor at prescribed intervals at no more than 12 months. The statement should explain the money borrowed, money paid, interest in all cases and the outstanding amount. Consequences of failing to make repayments and the opportunity of making minimum payments should be informed. The Claimant has submitted a statement of accounts dated March 2019. This having followed my request for a credit consumer agreement. It is denied this document and any such required statement of accounts required under section 77A during the alleged agreement were ever received.   11) The claimant states that a default notice was issued on 18thJanuary 2017. The payment date requested by Vanquis Bank Limited on said document is  28thFebruary 2017. The formal Notice of Default that was accompanying this letter displays a requested payment date, 28thFebruary 2019. (Exhibit x, x)   12) I argue that this is not in fact a COPY of an original default notice, that they state was issued during February 2017, but that this is a fabricated version of a default notice created by Lowell. Either way the default notice was not issued by the assigned creditor (Vanquis).   13) It is therefore contended that the original creditor failed to serve a valid Default Notice pursuant to section 87(1) Service of a notice on the debtor or in accordance with section 88 (a “default notice ”) is necessary before the creditor or owner can become entitled, by reason of any breach by the debtor of a regulated agreement.   14) The Claimant states a default notice was not required. If there is a default in payments during the fixed term a default notice must be issued. The Claimant states they were informed a default notice was sent on 18thJanuary. The Claimants case relies upon being informed and does not constitute fact.   15) It is denied a default notice was ever received.    16) It is admitted I responded to the Claimant’s pre-action protocol letter addressed in my name. I indicated I did not know if I owed the debt. I indicated as such having no recollection of affiliation with Vanquis nor Lowell. A default for the allege debt appearing on my credit file only November 2019.    17) I understand that the claimant is an Assignee, a buyer of defunct or bad debts which are bought on mass portfolios at a much reduced cost to the amount claimed and which the original creditors have already written off as a capital loss and claimed against taxable income.   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.   18) Under Civil Procedure Rule 16.5 (4) Where the claim includes a money claim, a defendant shall be taken to require that any allegation relating to the amount of money claimed be proved unless he expressly admits the allegation. Therefore, it is expected that the Claimant be required to prove the allegation that the money is owed as claimed.
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      I was in Sainsbury’s today and did scan and shop.
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Beck1968

Credit solutions

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Do Barclays own credit solutions ??


Beck

"There are two ways to conquer and enslave a nation. one is by the Sword. The other is by Debt."

 

Barclaycard PPI Refund £4300:whoo:

Barclaycard = Mexican Stand Off

 

TSB = Mexican Stand Off

 

Santander = :mad2: MungyPup is coming to get yahh :mad2:

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Phew.....long list here - but it appears they are more linked to GE Money....

 

Business Name Company Registration Number

GE Money Home Finance Limited 592986

 

Categories:

Consumer credit

Consumer hire

Credit brokerage

Debt adjusting/counselling

Debt collecting

 

Right To Canvass Off Trade Premises:Yes

Trading Name(s) (Current):

Credit Direct

Credit Solutions Direct

Creditplan

Direct Solutions

Financial Solutions

First Line

First Line Credit

First Line Direct

First Line Finance

First Line Loans

First Line Personal Lending

First Line Personal Loans

First Line Solutions

First National

First National Consumer Finance

First National Home Finance

First National Mortgage Company

First National Mortgages

First National Tricity Finance

First-Online

FNS

GE Consumer Finance Home Lending

GE Money

GE Money Home Finance

GE Money Home Lending

Holiday Solutions

Holiday Solutions Travel Club

Homeowner Solutions

Household Solutions

Independence

Loan Solutions

Loans Direct

Privilege Policy Plus

Solutions

Solutions Direct

Ultimate

 

Trading Name(s) (Historic):

Abbey National Business

Abbey National business - Martgages

Abbey National business - Mortgages

Abbey National Business Mortgages

Alfa Romeo Contract Hire

Alfa Romeo Easiplan

Alfa Romeo Motor Finance

Alfa Romeo Personal Leasing Plan

Alfa Romeo Preferenza

Bankhall Asset Finance

Bentley Motor Cars Financial Services

British Mortgages Abroad

Carcredit Purchase Plan

Charterfield

Charterfield Finance

Charterfield Finance

Credit Solutions

Curzon Finance

Daihatsu Finance

Daihatsu Secure

Fiat Contract Hire

Fiat Easihire

Fiat Easiplan

Fiat Motor Finance

Fiat Preferenza

Fiat Premier Plan

First National Professional Solutions

First National Asset Finance

First National Asset Finance Group

First National Bank

First National Caravan Finance

First National Commercial Banking

First National Country Capital

First National Equipment Leasing

First National Marine Finance

First National Motor Cycle Finance

First National Motor Finance

First National Motorcycle Finance

First National Professional Solutions

First National Professional Solutions

First National Wagon Finance

First National Wholesale Finance

Flying Lady Contract Purchase

Flying Lady Contract Purchase Plan

Flying Lady Financial Services

Flying Lady Financial Services Contract PurchasePlan

Flying Lady Financial Services Purchase Plan

Flying Lady Financial Services Refinements

FNB

Freestyle

Getmotoring

Household Finance Company

Insurance Solutions

Lancia Contract Hire

Lancia Motor Finance

Lancia Preferenza

Laureate

M G Rover Financial Services

Marshall Financial Services

Maserati Finance

Masons Financial Services

McCormick Finance

Motoring Solutions

Motorloan

Motorloan Direct

Motorview

Nissan In Business

Nissan Motor Finance

Nissan Motor Finance Contract Hire

Nissan Preferences

Open Road

Policy Loan Plan

Porsche Finance

Preferences

Professional Services

Professional Solutions

Refinements

Reliance Financial Contracts

Roll-Royce Motor Cars

Ryland Motor Finance

Saville Finance

Specialist Caravan Funding Plan

Stockbase

Vic Young Financial Services

Wagon

Wagon Finance

Wheelfund

Whichford Financial Services

Whitehouse Motor Finance

Wilsons Motor Finance

 

Issued Date: 07-Feb-1979 Expiry Date: 05-Aug-2009

Legal Formation:

Body Corporate (incorporated inside UK)

 

Current Individuals that run the organisation:

Name Position

Bruno Heese OFFICER

Clodagh Gunnigle

Colin John Varnell Shave OFFICER

David Harvey OFFICER

Duncan Gee Berry OFFICER

Ian George Ferguson

Mandeep Singh Johar

William John Flynn

 

Historic Individuals that run the organisation:

Name Position

Andrew Geoffrey Moore OFFICER

Andrew Robert Punch OFFICER

Brad John Cooper OFFICER

Brian Addison Carte OFFICER

Conrad Bailey Dixon OFFICER

David Howat Stewart OFFICER

David Peter Priest OFFICER

David Richard Carson OFFICER

Derek John Lewis OFFICER

Douglas George Milton OFFICER

Elizabeth Mary Sully OFFICER

Giacomo Gigantiello OFFICER

Ian Douglas Wilson

Ian Graham Story OFFICER

James Ramsay Smart OFFICER

Jeffrey Harris OFFICER

Jeremy Edward Boakes OFFICER

John Neil Maltby OFFICER

John Peter Spencer OFFICER

John Robert Davy Hayhow OFFICER

Jonathan Graydon Baum OFFICER

Julian Stanley Nutley OFFICER

Malcolm John Millington OFFICER

Mark Andrew Pain OFFICER

Michael Allan Bartholomeusz OFFICER

Michael Christopher McCarron

Michael James Barley OFFICER

Michael John Melling OFFICER

Michael Richard Bellora OFFICER

Mr Charles Gerard Toner OFFICER

Mr Charles Nigel Villiers OFFICER

Mr Christopher John Collins OFFICER

Mr David Alan Thornham OFFICER

Mr David Francis Cowham OFFICER

Mr David Gareth Jones OFFICER

Mr Dennis Alfred Peter Jeffreys OFFICER

Mr Eric Donald Russ OFFICER

Mr George Duncton Cracknell OFFICER

Mr Ian Harley OFFICER

Mr John David Scott Hall OFFICER

Mr John Stearn Scott OFFICER

Mr Josef Ingo Kamiel OFFICER

Mr Keith Lionel Dalwood OFFICER

Mr Keith William Horlock OFFICER

Mr L.S. Dyer OFFICER

Mr M.R. Denton OFFICER

Mr Michael Anthony Mew OFFICER

Mr Michael Thomas James Horton OFFICER

Mr Peter Gibbs Birch OFFICER

Mr Philip Anthony George OFFICER

Mr R Vine OFFICER

Mr R.S.D. Langdon OFFICER

Mr Richard Arthur Donald Brooks OFFICER

Mr Robert Martin Mays-Smith OFFICER

Mr Stanley Joseph Clayman OFFICER

Mr Thomas James Borgen Wrigley OFFICER

Mr Trevor Robert Smith OFFICER

Mr W.M. Strickland OFFICER

Mrs Yasmin Jetha OFFICER

Paul Dontschuk OFFICER

Ricky David Hunkin OFFICER

Sean Webb OFFICER

Stuart William Sinclair OFFICER

Timothy Charles William Ingram OFFICER

Tracey Elizabeth Varley OFFICER

 

Current Organisations that run the organisation:

Name Company Registration Number Position

FN Secretary Limited OFFICER

 

Historic Organisations that run the organisation:

Name Company Registration Number Position

Abbey National Secretariat Services Limited OFFICER

 

Nature of Business:

Credit Brokers

 

Current Address(es):

Address Type Address

Correspondence 53-61, College Road, Harrow, Middlesex, HA1 1FB

Principal Place Of Business 53-61, College Road, Harrow, Middlesex, HA1 1FB

Registered Office 53-61, College Road, Harrow, Middlesex, HA1 1FB

 

Historic Address(es):

Address Type Address

Correspondence 53-61, College Road, Harrow, Middlesex, HA1 1FB

Correspondence First National House, College Road, Harrow, Middlesex, HA1 1FB

Correspondence PO Box 505 St Alphage House, Fore Street, London, EC2P 2HJ

Principal Place Of Business 53-61, College Road, Harrow, Middlesex, HA1 1FB

Principal Place Of Business Charlton House, Kenton Road, Harrow, Middlesex

Principal Place Of Business First National House, College Road, Harrow , Middlesex, HA1 1BD

Principal Place Of Business First National House, College Road, Harrow, Middlesex, HA1 1FB

Registered Office 53-61, College Road, Harrow, Middlesex, HA1 1FB

Registered Office First National House, College Road, Harrow, Middlesex, HA1 1FB


:)I am not an expert, but I can give good advice about Brighthouse:)

 

Am learning more and more about DCA's too :)

 

I have no legal experience and all advice given is based on the knowledge I've gained from this site.

 

<------If you think I have been helpful, please feel free to tip my scales - remember to put your CAG name though!

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Jesus Clemma.......do you also know where my dog is :lol::lol:

 

Thanks for that


Beck

"There are two ways to conquer and enslave a nation. one is by the Sword. The other is by Debt."

 

Barclaycard PPI Refund £4300:whoo:

Barclaycard = Mexican Stand Off

 

TSB = Mexican Stand Off

 

Santander = :mad2: MungyPup is coming to get yahh :mad2:

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'tis amazing what's available on the internet. If you ever want to find out about any of these idiots then use this - Public Register ;)

  • Haha 1

:)I am not an expert, but I can give good advice about Brighthouse:)

 

Am learning more and more about DCA's too :)

 

I have no legal experience and all advice given is based on the knowledge I've gained from this site.

 

<------If you think I have been helpful, please feel free to tip my scales - remember to put your CAG name though!

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hes behind you :rolleyes:


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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Star


Beck

"There are two ways to conquer and enslave a nation. one is by the Sword. The other is by Debt."

 

Barclaycard PPI Refund £4300:whoo:

Barclaycard = Mexican Stand Off

 

TSB = Mexican Stand Off

 

Santander = :mad2: MungyPup is coming to get yahh :mad2:

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hes behind you :rolleyes:

 

Smart @rse lol

 

Star

 

I know :p


:)I am not an expert, but I can give good advice about Brighthouse:)

 

Am learning more and more about DCA's too :)

 

I have no legal experience and all advice given is based on the knowledge I've gained from this site.

 

<------If you think I have been helpful, please feel free to tip my scales - remember to put your CAG name though!

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Kiptower.....were not playing avatars here


Beck

"There are two ways to conquer and enslave a nation. one is by the Sword. The other is by Debt."

 

Barclaycard PPI Refund £4300:whoo:

Barclaycard = Mexican Stand Off

 

TSB = Mexican Stand Off

 

Santander = :mad2: MungyPup is coming to get yahh :mad2:

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