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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.
       
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      He looked at the CCTV and because I didn’t try to scan the items he was phoning the police.
       
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      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,
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      • 16 replies
Bookworm

Teenage son to give away. Will pay for P&P if need be.

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This is the same son who has had more mobiles taken off him than anyone else I know (I suspect he actually has a hat saying "please mug me" or something :-().

 

This is a son who is classified as a genius, and whose maths ability hasn't been fully plumbed out. Yet, when it comes to common sense, the word "village idiot" springs to mind. :rolleyes:

 

So what has my beloved offspring done now? Oh, only lent his Oyster card to a mate who had had his stolen off him a few days ago, the mate got caught with with son's Oyster card, and accused of theft, so my darling child had to phone the cop shop last night and admit that no, the card hadn't been stolen off him, but that he had been complicit in the whole thing.

 

I am now waiting to see what's going to happen, but I could quite happily kill him right now, preferably by bashing him slowly with a blunt spoon. :-x

 

*rant over* (for now)

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:DI know what you mean, one of my son in laws went to Cambridge, 1st class degree, no common sense

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He sounds like my daughter, plenty brains but no common sense, she is at Napier in Edinburgh doing a BSc, but quite frequently calls home to ask the mose silliest of questions!!

 

I remember a couple of years ago I got a new tin opener, not a fancy one, just an easy grip one as I have arthritis in hands, and she came rushing up to me to ask how does this work?

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I'll swap ya for a stroppy, hormonal and demanding 18yr old daughter. Be careful tho, she cries at the drop of a hat and would give Meryl Streep a run for her money over the next oscar for best actress!


Advice given is my opinion only, I am not a legal or financial expert (far from it).

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:p I am begining to think that lesbians are lucky

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:p I am begining to think that lesbians are lucky

 

something you need to share with us hf?:eek::D:p


All advice offered here is my opinion only based on what I would do in a given situation. If you wish to act on it you do so at your own discretion

......................................................

I have no legal expertise or qualification, and give advice on the basis of my own experience and nothing else.

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I'll swap ya for a stroppy, hormonal and demanding 18yr old daughter. Be careful tho, she cries at the drop of a hat and would give Meryl Streep a run for her money over the next oscar for best actress!
Nah, the boy in question had only just got out of that stage, thanks! He didn't talk to us for 3 years, merely grunted at us now and then. I realised the other day that I don't actually know when his voice properly broke! :razz:

 

As for daughters, AH! Don't get me started, yours sounds like Mother Teresa by comparison! :lol:

 

It is a bit of a worry to think that sometimes, I believe that the autistic one is the one who's the less troublesome of the 3! :lol:

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Ok Guys send them to me I have 48 + teenagers well, 8-18 including Jowalshys two for a couple of weeks any more gratflly recieved plus cheque for there keep will send thm back to you eventually if I havnt killed them in the meantime

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Bookie

Intelligents and common sence do NOT go hand in hand on fact the clever you are the more common sense you dont have

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Why do they call it "common sense"? we should add an "un" in front in this country! (especially the politicians!)


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Bookie, trying getting a girlfriend for him.

 

My brother is a lay bone-idle dolt, but his latest girlfriend nags him to death and has him right under her thumb.

 

My mum thinks the world of her!


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Bookie, trying getting a girlfriend for him.
No thanks, he's doing THAT no problem. It's keeping the girls away that's the problem, the sod is a bit of a babe-magnet. :rolleyes:

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;)does he take after his dad?

 

 

runsssssssssssssss away

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No, that's ok, HF, I often look at my kids and wonder how us 2 plug-uglies ever managed to make such good-looking kids (bearing in mind DD even did some modelling!)

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Believe me bookie, make the most of the teenage years (at least they can claim immaturity) 'cos it doesn't get any better. Mine are almost into mid-life crisis (well certainly it's always a crisis!) & still lay their troubles & un-commonsense at M&D's door.

 

I think babies should come with a government health warning - they're not just for babyhood, childhood & adolescence, they're for life!


Any knowledge I possess or advice I proffer is based solely on my experiences in the University of Life. Please make your own assessment of legality, risks & costs before taking any action.

 

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My daughter was so thick and lacked ANY sense when she was a teenager. I used to say she would have to marry well because she had no chance of a decent job but she surprised me and has a great job in prison service and also a lot of responsibility :eek:

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No, that's ok, HF, I often look at my kids and wonder how us 2 plug-uglies ever managed to make such good-looking kids (bearing in mind DD even did some modelling!)

 

So its true two crows can make a robin?????? lol:D:D:D

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