Jump to content


  • Tweets

  • Recommended Topics

  • Posts

    • Actually, no, or at least not with RBS. I changed to a different provider in 2009.
    • He is also trading under James Marshal cars on eBay - same details.
    • Hi all,   Lowell sols have responded to my cpr with exactly the same documentation as Lowells sent through. So still no valid agreement!   Defence due Friday by 4pm.   I have updated my defence below based on your points Dx. Many thanks.   Would you and Andy mind having a scan over before i send off on Friday please?   Cheers in advance as always     Particulars of Claim    1.The defendant entered in to a consumer credit act 1974 regulated agreement with Vanquis under account reference xxxxxxxx ('the agreement')   2.The defendant failed to maintain the required payments and arrears began to accrue   3.The agreement was later assigned to the claimant on 27/09/19 and notice given to the defendant   4. Despite repeated requests for payment the sum of xxx remains due and outstanding.   And the claimant claims a. The said sum of xxxx b. Interest pursuant to s69 county courts act 1984 at the rate of 8% per annum from the date of assignment to the date of issue accruing at a daily rate of £0.610 but limited to one year being £222.65 c. Costs   Defence:   The Defendant contends that the  particulars of claim are vague and generic in nature. The Defendant accordingly sets out its case below and relies on CPR r 16.5 (3) in relation to any allegation to which a specific response has not been made.   1. Paragraph 1 is noted. I have in the past had financial dealings with Vanquis. I do not recall the precise details of the agreement and have sought to seek clarity from the claimant.   2. Paragraph 3 is noted. I do not recall ever receiving this notice pursuant to sec136 of the Law of Property Act 1925.   3. On receipt of a notice of acting letter sent from Lowell Solicitors, the Defendant sent for on the 12/11/2020 via royal mail a section 78 request to Lowell Portfolio Ltd pursuant to the Consumer Credit Act 1974. This for a copy of the agreement. The claimant has partially complied and disclosed various documents however they were unable to comply with disclosing a valid full copy of the executed agreement on which their claim relies upon.   5. 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.Therefore the claimant remains in default of my section 78 request and pursuant to section 78  6 a of the CCA1974  the claimant is not entitled, while the default continues, to enforce the agreement.   6. On receipt of this claim form I sent a CPR 31.14 request on the 11/2/21 via royal mail to Lowell Solicitors and again the claimant only disclosed exactly the same documentation. The claimant therefore after a second attempt by the defendant remains in default of said request.   7. It is therefore not accepted with regards to the Defendant owing any monies to the Claimant and the Claimant is put to strict proof to:-   a) show how the Defendant has entered into an agreement ; and b) show how the Defendant has reached the amount claimed for; and c) Show or evidence service of a Default Notice /Notice of Sums in Arrears, d) show how the Claimant has the legal right, either under statute or equity to issue a claim;   By reasons of the facts and matters set out above, it is denied that the Claimant is entitled to the relief claimed or any relief.
    • This Digital Edge programme is an online employability and pre-apprenticeship support programme. We aren’t going to teach you about basic […] View the full article
    • the mortgage it protects is still active is it not?  
  • Our picks

    • I sent in the bailiffs to the BBC. They collected £350. It made me smile.
        • Haha
        • Like
    • Hi @BankFodder
      Sorry for only updating you now, but after your guidance with submitting the claim it was pretty straight forward and I didn't want to unnecessarily waste your time. Especially with this guide you wrote here, so many thanks for that
      So I issued the claim on day 15 and they requested more time to respond.
      They took until the last day to respond and denied the claim, unsurprisingly saying my contract was with Packlink and not with them.
       
      I opted for mediation, and it played out very similarly to other people's experiences.
       
      In the first call I outlined my case, and I referred to the Contracts (Rights of Third Parties) Act 1999 as the reason to why I do in fact have a contract with them. 
       
      In the second call the mediator came back with an offer of the full amount of the phone and postage £146.93, but not the court costs. I said I was not willing to accept this and the mediator came across as a bit irritated that I would not accept this and said I should be flexible. I insisted that the law was on my side and I was willing to take them to court. The mediator went back to Hermes with what I said.
       
      In the third call the mediator said that they would offer the full amount. However, he said that Hermes still thought that I should have taken the case against Packlink instead, and that they would try to recover the court costs themselves from Packlink.
       
      To be fair to them, if Packlink wasn't based in Spain I would've made the claim against them instead. But since they are overseas and the law lets me take action against Hermes directly, it's the best way of trying to recover the money.
       
      So this is a great win. Thank you so much for your help and all of the resources available on this site. It has helped me so much especially as someone who does not know anything about making money claims.
       
      Many thanks, stay safe and have a good Christmas!
       
       
        • Thanks
    • Hermes and mediation hints. https://www.consumeractiongroup.co.uk/topic/428981-hermes-and-mediation-hints/&do=findComment&comment=5080003
      • 1 reply
    • Natwest Bank Transfer Fraud Call HMRC Please help. https://www.consumeractiongroup.co.uk/topic/428951-natwest-bank-transfer-fraud-call-hmrc-please-help/&do=findComment&comment=5079786
      • 33 replies

Anyone familiar with this glasgow number?


Please note that this topic has not had any new posts for the last 3873 days.

If you are trying to post a different story then you should start your own new thread. Posting on this thread is likely to mean that you won't get the help and advice that you need.

If you are trying to post information which is relevant to the story in this thread then please flag it up to the site team and they will allow you to post.

Thank you

Recommended Posts

I used to get mail from them demanding £300 from an old littlewoods catalogue debt. I used to read them in the lavatory first thing in the morning.

 

Guess what I did with their letters ;)

Scottish Gas told me to live on TV dinners. I told them to go and recline under a bus. 8)

Link to post
Share on other sites
I used to get mail from them demanding £300 from an old littlewoods catalogue debt. I used to read them in the lavatory first thing in the morning.

 

Guess what I did with their letters ;)

 

Recycling brownie points for you:wink: xx

Link to post
Share on other sites
I used to get mail from them demanding £300 from an old littlewoods catalogue debt. I used to read them in the lavatory first thing in the morning.

 

Guess what I did with their letters ;)

 

Well they were already full of the brown stuff anyway id imagine :rolleyes:

Link to post
Share on other sites

Ive guessed what this is about. BCW take on bts debts and when I left them the final bill had cancellation charges on it so told they would send in their words final final bill. Havnt had one yet and I guess they have passed me to them, well we will see and I will be waiting like a crocodile for a leg:p

I suppose I could ring bt but cant be bothered if they cant send the bill and well they did tell me porkies, so bring it on xxxx

Link to post
Share on other sites

Ive as said had no bill no courtesy call from bt asking for money adn no letter yet from bcw, so I suppose it could be the wrong name again, but something tells me sniffy bt wont have competantly sent me the promised revised bill. If it is them cant they get in trouble for bt passing on my phone number? with no introduction.

Link to post
Share on other sites

Aye but anybody can find that their details have cropped up on some mailing list and the bad old skeletons come back to haunt you.

Scottish Gas told me to live on TV dinners. I told them to go and recline under a bus. 8)

Link to post
Share on other sites

BCW are pussycats

 

They will hassle you for a few weeks then it will get passed back to OC for some other DCA to ride over the hill if you're unlucky it will be sham outfit anglo/american NCO.

 

These idiots really need to grasp that in this country we have the OFT they keep forgeting this fact and have to reminded by OFT.:cool:

 

Next time you get a strange number just type it into google without spaces and you'll prob get 'who calls me', whicn can save a bit of time.

We live in an unmoderated country why should the net be any different?

Bring back free speech we miss it!

Link to post
Share on other sites

I also am having trouble with BCW (Glasgow address), receiving letters which I ignore, phone calls (how they get my number I don't know because only 3 people have it......and I'm one of them), and it's always about some money I'm supposed to owe to T mobile - which I don't.

But that's beside the point. This morning I received an email (no idea how they got that my email addy). The basic rubbish was being puked out "rings us now, urgent, same old crap", but the phone number given is: 0844 571 4030. I checked this on yell.com, and it also appears to be a number BCW use.

Link to post
Share on other sites
  • Recently Browsing   0 Caggers

    No registered users viewing this page.


  • Have we helped you ...?


×
×
  • Create New...