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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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beachcomber60

Missed telephone call 02079640088..was FOS

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Came home & found that I had missed a call from 02079640088, didnt leave a message on our answer phone.

 

Did a redial using 141 and got a prerecorded message to leave a customer reference number, haven't got a clue who this is & no result using WhoCallsMe website.

 

Anyone recognise the number?

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It's pretty close to the FOS telephone number

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Guest Cartaphilus

I could only find this listed ...

 

Area Code 020 - Prefix 79640 - 020 79640 London - Reverse Phone Lookup All Phone Numbers

 

So, I phoned it and (witholding my number) ... it said '(name of person) has gone for the day 'til 9 am'. Searching that name in conjunction with the number produces nothing, either. Incidentally, I phoned it in order to try and help the OP ID whomever it was. I clearly failed to do so.

Edited by Cartaphilus

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Thanks all,

 

Yes agree its close to the FOS number of which I have two ongoing complaints.

 

Its also close to Link Financial, who have been chasing an unenforceable debt (up to now they've been withholding their number).

 

Awaiting a further call so I can find out for sure :)

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Guest Cartaphilus

Did some more looking up for you and discovered the areas of London served with the dialling code beginning:

7964 0***

 

London, Ewell, Borehamwood, Loughton, Bushey, Chessington, Chigwell, Buckhurst Hill, Whyteleafe

 

Though, as already said it does look close to the FOS one. Also discovered Reuters fax number has that area code; which I know doesn't help. :D

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subbing been having a strange number pop up on my mobile.


OFT debt collection guidance

 

Please remember the only stupid question is the one you dont ask so dont worry about asking the stupid questions.

 

Essex girl in pc world looking 4 curtains 4 her pc,the assistant says u dont need curtains 4 a computer!!Essex girl says,''HELLOOO!! i,ve got WINDOWS!!'.

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I just rang it, recorded message, womans voice

"please lease you name and ref no and I will call you when I'm back at my desk"

So still none the wiser who it is, but obiously don't want anyone to know what company it is.

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Ive just rung it and denise answered.

 

It does indeed belong to the FOS:)

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Ok, here's another challenge, if that's ol with OP!

 

+39278448119111?

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+39278448119111?

 

That's Italy, including The Vatican - do you have friends in high places?

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Lol,

 

Perhaps Benedict wanted to discuss his cancelled trip to the Midlands!

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I'm on a roll here - this is Barclaycard. Is there a prize? - I'm 2-0 up so far!

 

SS

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New call centre in Italy then?

 

Glad I ignored it, I can't speak the lingo!

 

Well SS, how did you know?

 

Thank you BTW

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Ignore the +3927. The number is 08448 119111. Ask me another, Dotty.

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Oh, I was thinking along those lines but working from the 7 onwards.

 

I have just been called a smart a*** on another thread :( but I'm obviously not as smart as you SS! :wink:

 

Don't have anymore numbers at the moment, but this could become an invaluable thread thanks to Beachcomber.

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Oh, I was thinking along those lines but working from the 7 onwards.

 

I have just been called a smart a*** on another thread :( but I'm obviously not as smart as you SS! :wink:

 

Don't have anymore numbers at the moment, but this could become an invaluable thread thanks to Beachcomber.

 

Somebody mention my name :D

 

Not had anymore calls from the number in my #1 post.

 

Been contacted quite a few times over the past week or so from an 'unknown with held' number all silent, on the last one I shouted down the phone & there was someone there, had a real argument with the guy on the other end. It was a company called 'The Bottomline' trying to sell new mobile phone contracts - told him we are registered with the TPS and questioned their 'silent calls' I was told that they make as many calls as they like to the same number per day and are 'allowed' to make one silent call per day to that phoneline, told him we'll see about that & would be reporting them to BT, TPS & Ofcom - not heard from them since :)

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Ok, here's another challenge, if that's ol with OP!

 

+39278448119111?

 

What on earth does the +3927 bit mean then?


OFT debt collection guidance

 

Please remember the only stupid question is the one you dont ask so dont worry about asking the stupid questions.

 

Essex girl in pc world looking 4 curtains 4 her pc,the assistant says u dont need curtains 4 a computer!!Essex girl says,''HELLOOO!! i,ve got WINDOWS!!'.

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Theoldgit said it was the code for Italy!

 

They are trying all means of getting me to answer their call, curiosity doesn't get the better of me any more though!

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