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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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    • Hi,  
      I was in Sainsbury’s today and did scan and shop.
      I arrived in after a busy day at work and immediately got distracted by the clothes.
       
      I put a few things in my trolley and then did a shop.
      I paid and was about to get into my car when the security guard stopped me and asked me to come back in.
       
      I did and they took me upstairs.
      I was mortified and said I forgot to scan the clothes and a conditioner, 5 items.
      I know its unacceptable but I was distracted and Initially hadn’t really planned to use scan and shop.
       
      No excuse.
      I offered to pay for the goods but the manager said it was too late.
      He looked at the CCTV and because I didn’t try to scan the items he was phoning the police.
       
      The cost of the items was about £40.
      I was crying at this point and told them I was a nurse, just coming from work and I could get struck off.
       
      They rang the police anyway and they came and issued me with a community resolution notice, which goes off my record in a year.
      I feel terrible. I have to declare this to my employer and NMC.
       
      They kept me in a room on my own with 4 staff and have banned me from all stores.
      The police said if I didn’t do the community order I would go to court and they would refer me to the PPS.
       
      I’m so stressed,
      can u appeal this or should I just accept it?
       
      Thanks for reading 
      • 16 replies
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yes its true, i hope he never gets my details :), anyway i just want to say he is often seen going home and getting antiques out of the back of his car, will this be legal? will he be buying them ? hhmmm

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Don't be so nosey :p


 
 

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yes its true, i hope he never gets my details :), anyway i just want to say he is often seen going home and getting antiques out of the back of his car, will this be legal? will he be buying them ? hhmmm

 

There was a recent Form 4 Compliant against a bailiff because a Walking Possession had been signed and as payment was not made the bailiff did remove the goods but the goods that the auction premises received showed that over 75% of the goods that had been taken by the bailiff did NOT find their way to the auctioneers.

 

It is very likely that your neighbour may well buy and sell antiques..however ?????

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Ha ha yep a real Del Boy does he drive a three weeled car yellow car with only fools and bailiffs on the side.

 

i'm sorry had to laugh at that, your house value has just shot down in price

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Did you also know that Accuread (sorry spelling) the people who read your meters are in the majority also debt collectors!!!:eek:

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Did you also know that Accuread (sorry spelling) the people who read your meters are in the majority also debt collectors!!!:eek:

 

i dont get that

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The same company who had accuread and a debt collection agency has recently faced financial troubles.

 

A man who for the last 2 years read a friend of mine's meter turned up in a suit in the afternoon next door to hers to issue a warrant of execution!

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The same company who had accuread and a debt collection agency has recently faced financial troubles.

 

A man who for the last 2 years read a friend of mine's meter turned up in a suit in the afternoon next door to hers to issue a warrant of execution!

 

So both his last jobs when they was advertised said no brain needed as we will show you how to rip peaple off full training given.

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what concerned her was the fact that he was gaining access into people's homes to read their meter but was he also noting their assets at the same time!!!

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jack1966 please feel free to shoot him, take the antiques back to their rightful owner, and then stop being nosey


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I found out recently that my daughter has a school friend whos mother is a doorstep collector:eek: They were good buddies and the girl use to spend a lot of time at our house. I was like a child minder while here mother went to work, (thought she did a spot of cleaning) that all stopped thou as soon as I found out what she does for a living. Hope the mum never comes to collect my doorstep.

Edited by joemay

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I found out recently that my daughter has a school friend whos mother is a doorstep collector:eek: They were good buddies and the girl use to spend a lot of time at our house. I was like a child minder while here mother went to work, (thought she did a spot of cleaning) that all stopped thou as soon as I found out what she does for a living. Hope the mum never comes to collect my doorstep.

 

Sorry.. that is unfair why should her daughter have to spend more time with her, :lol:

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lol

 

I have been on here how long and i have just had to ask a six year old what lol means you dont even know how stupid i feel right now:confused:der

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that is so funny lmfao, hopefully your 6 year old wont know that one :)

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As Groucho Marx said:

A child of five would understand this. Send someone to fetch a child of five.

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that is so funny lmfao, hopefully your 6 year old wont know that one :)

 

Sorry im lost now, pm me that so i dont feel as daft again

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As Groucho Marx said:

A child of five would understand this. Send someone to fetch a child of five.

 

as if six is not bad enough ya

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tell me about it, have sent a private message so you know what it means lol

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tell me about it, have sent you a private message explaining what it means lol

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