Jump to content
  • Tweets

  • Posts

    • A judge says Anthony Levandowski carried out the "biggest trade secret crime I have ever seen". View the full article
    • Yes, let us know if they honour the agreement to pay.   Thanks for Donation made and anything further you can make - it helps us keep helping !
    • Mark Bauwens from France takes us through his week during the coronavirus pandemic. View the full article
    • 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
    • Allen Blue, who co-founded professional network LinkedIn, reveals how start-ups can achieve growth. View the full article
  • Our picks

    • Curry’s cancelled my order but took the money anyway. Read more at https://www.consumeractiongroup.co.uk/topic/423055-curry%E2%80%99s-cancelled-my-order-but-took-the-money-anyway/
      • 11 replies
    • Father passed away - Ardent Credit Services (Vodafone) now claiming he owes money. Read more at https://www.consumeractiongroup.co.uk/topic/423040-father-passed-away-ardent-credit-services-vodafone-now-claiming-he-owes-money/
        • Thanks
      • 8 replies
    • Currys Refuse Refund F/Freezer 5day old. Read more at https://www.consumeractiongroup.co.uk/topic/422656-currys-refuse-refund-ffreezer-5day-old/
        • Like
      • 6 replies
    • 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 
        • Thanks
      • 16 replies
jimbo45

Yorkshire Water have it IN for me -- Help

style="text-align:center;"> Please note that this topic has not had any new posts for the last 3605 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

Hi all

I've had a couple of run ins with Yorkshire Water -- apart from the fact that I defended a claim where they wanted to charge me around 85 GBP on a 50 GBP bill PLUS add on solicitors charges of 50 GBP I'm now getting email notification of a 3rd yes 3rd County court judgement.

 

I've explained to these bozos that I am working in France on a LONG term contract so PLEASE EMAIL my bill -- it is totally 100% pointless to send it to my UK address.

 

I get one email saying we for "security reasons" CANNOT send a bill by email.

 

So what do I do now -- I will defend of course but surely these people MUST have mechanisms for people to pay bills when they are away working on long term contracts.

 

In this day and age what's wrong with sending the bill by email.

 

I don't have a fixed address in France since I often "switch hotels" during the week to keep costs down.

 

Can I also get them for a Vexatious Claim. --I'm NOT denying a bill or even refusing to pay it -- but their accounts procedures seems to be totally unused to the idea that people DO take out of country contracts.

 

Much as I like Yorkshire i'm sure most inhabitants of that county do realize the world doesn't stop at Hull or Doncaster.

 

Cheers

jimbo

Share this post


Link to post
Share on other sites

Is the property in the UK that you're being billed for actually empty or is it lived in?


I reside in Dawlish Warren but am not a rabbit.

Share this post


Link to post
Share on other sites

Hi there

Its "technically" lived in -- however the problem is in NOT with the amount of the bill usually around 50 GBP judging by the CCJ's they send out and previous bills - not a huge deal- but its just that they REFUSE to send me the amount of bill until I get a County Court POC.

 

This costs every time 50 GBP B/S solicitors costs plus court costs and other stuff on a really utterly absurdly small amount of bill which I have NO problem in paying.

 

I feel like putting a bit of sugar in the Solicitors cars petrol tanks might be the only way to solve this one since all REASONABLE methods seem to fail -- what is WRONG with sending out an email with the bill and then I can use the online system to pay it.

 

Cheers

jimbo

Share this post


Link to post
Share on other sites

Have you been in touch with OfWat?

http://www.ofwat.gov.uk/


Who ever heard of someone getting a job at the Jobcentre? The unemployed are sent there as penance for their sins, not to help them find work!

 

 

Share this post


Link to post
Share on other sites

Hi there

thats the next step but meanwhile I've got Nr 3 CCJ attempt from Northampton -- I'm going to attempt to defend o course but their sols will probably come out with some TINY small print on "Service and supply conditions" that will get them off the hook.

 

This is a DISGUSTING episode -- someone is TRYING to pay yet their mechanisms make it IMPOSSIBLE and I'm being served CCJ's like confetti.

 

I don't care about CRA's etc as I don't have, want or use Credit cards so CRA's to me are a waste of time anyway but I don't want to keep having to pay for some LAZY solicitors Free lunch every so often at 50 GBP a pop -- apart from also providing work for the Northampton Court.

 

Cheers

jimbo

Share this post


Link to post
Share on other sites

I would defo place it in the hands of Ofwat to deal with then...


Who ever heard of someone getting a job at the Jobcentre? The unemployed are sent there as penance for their sins, not to help them find work!

 

 

Share this post


Link to post
Share on other sites

Hi there

will get that off tomorrow -- meanwhile I STILL presumably have to submit a defence to the Northampton Court -- what a MESS when I actually DON'T have any problem in paying the bill.

 

When I get back to the UK I'll look at making a Borehole --might cost 3,000 GBP but at least it will get Yorkshire Water out of my hair.

 

Around Hull, Beverly etc there's no probs with getting water out of a borehole.

 

There's MORE than enough water for 100,000's of people to get their water this way too -- the 3,000 GBP spent IMO will be WELL WORTH IT and two fingers to the worst water company in the entire universe.

 

Cheers

jimbo

Share this post


Link to post
Share on other sites

Could you not log an account online with them? That way you can check your bill and pay it online when it comes in etc?

 

As for defending it at Northampton, you could simply pay the bill you owe using their automated systems ...just pay what you owe and once paid ring YM and tell them you've paid it etc.

 

It worked for me a long time back...

 

I don't think they can send you a bill online, I have an account with British Gas that tells me I have a bill, I log on and there it is but it's never been sent to me and I'm on paperless billing with them


I reside in Dawlish Warren but am not a rabbit.

Share this post


Link to post
Share on other sites

If only it was that simple.

 

They ALLOW you to pay online but I CAN'T GET WHAT MY BILL IS -- that's been the whole wretched problem all the way through -- not paying because I CANT GET THE BILL -- Not because I DON'T HAVE THE MONEY.

 

THis is why in this case the whole system is UTTERLY ABSURD.

 

Cheers

jimbo

Share this post


Link to post
Share on other sites

Hi, we're currently developing an online portal where customers will be able to log on view and pay there bill, this will be implemented early next year.

 

With regards to your current problem you could either get someone in the UK to get your bill and pay it or gain a copy of your bill scan it and then email it to you.

Share this post


Link to post
Share on other sites

RTFQ.....

They ALLOW you to pay online but I CAN'T GET WHAT MY BILL IS -- that's been the whole wretched problem all the way through -- not paying because I CANT GET THE BILL -- Not because I DON'T HAVE THE MONEY.

Payment is not the problem, actually being able to view the bill is.


Who ever heard of someone getting a job at the Jobcentre? The unemployed are sent there as penance for their sins, not to help them find work!

 

 

Share this post


Link to post
Share on other sites
Guest Cartaphilus
Hi, we're currently developing an online portal where customers will be able to log on view and pay there bill, this will be implemented early next year.

 

With regards to your current problem you could either get someone in the UK to get your bill and pay it or gain a copy of your bill scan it and then email it to you.

 

Erm.

Share this post


Link to post
Share on other sites

Surely in this day and age this problem can be solved!!! Why on earth is there not an online facility already? Most utility companies have had them for years. I think that the lack of a reasonably expected online site is a problem for Yorkshire Water to solve, and as this is now the third time this has happened, are they not able to see there is a problem at their end and not with their customer!!

 

Of course they can send an e-mail, just being pedantic. They need to invest in an ITdepartment and spend less on issuing Legal proceedings.


Every journey begins with a single step :):)

 

Please note: I have no qualifications in this area - my advice is learned from the wonderful members of this Forum. Thanks to you all for your help.

 

If you have found my post helpful please leave a short message by clicking the star to the left of my profile - Thank You

 

The only person entitled to your Personal Finance details is a Judge not a DCA

 

Move all banking activity to another banking group if you have a dispute - your funds can be used to offset debts within the same group.

Be careful with Banking details (card/account numbers) as these can be used to take unauthorised payments.

Share this post


Link to post
Share on other sites
Guest Cartaphilus
Hi, we're currently developing an online portal where customers will be able to log on view and pay there bill, this will be implemented early next year.

 

Just a minute ... I just went to look at YW's site and there is a section for entering your reference number and paying your bill. Am I getting confused or is this another thing you are talking about?

Share this post


Link to post
Share on other sites
Guest Cartaphilus

Stupid stupid! Now look what I posted. It also seems I can't edit my posts anymore.

Share this post


Link to post
Share on other sites

  • Recently Browsing   0 Caggers

    No registered users viewing this page.


  • Have we helped you ...?


×
×
  • Create New...