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    • Ok so here we go, amounts are vaguely rounded...I currently have an active contract with 3 that I have had for about 6 years, and have never had a contract with EE:   Name of the Claimant: Lowell Portfolio Ltd   Date of issue: 5th November 2019   Particulars of Claim: The Claim comprises the following Agreements the Defendant entered into: a) EE Limited with reference x and current balance of £100 b) Hutchison 3G UK Ltd with ref x and current balance of £150 c) Hutchison 3G UK Ltd with ref x and current balance of £750   What is the total value of the claim? £1200   Have you received prior notice of a claim being issued pursuant to paragraph 3 of the PAPDC ( Pre Action Protocol) ? Yes, but I don't have the letter   Have you changed your address since the time at which the debt referred to in the claim was allegedly incurred? I moved temporarily to multiple other addresses abroad and in the UK, then returned to the original address.   Did you inform the claimant of your change of address? No I have never spoken to, acknowledged or written to the claimant, but anyway I have kept my current address as my permanent address for most correspondence including for banking and phone contracts. Is the claim for - a Bank Account (Overdraft) or credit card or loan or catalogue or mobile phone account? 3 (the number) mobile phone accounts (2 by 3 (the company))   When did you enter into the original agreement before or after April 2007 ? After (one I don't believe I ever entered into), all would have been between about 5 and 6 years ago   Do you recall how you entered into the agreement...On line /In branch/By post ? Online   Is the debt showing on your credit reference files (Experian/ Equifax /Etc...) ? I'm not sure   Has the claim been issued by the original creditor or was the account assigned and it is the Debt purchaser who has issued the claim. All debt sold to Lowell Portfolio   Were you aware the account had been assigned – did you receive a Notice of Assignment? Yes (but I don't have it)   Did you receive a Default Notice from the original creditor? Not sure, likely yes (I was living abroad during the last 4 years )   Have you been receiving statutory notices headed “Notice of Sums in Arrears”  or " Notice of Arrears "– at least once a year ? Not sure, likely yes   Why did you cease payments? Financial reasons   What was the date of your last payment? Unknown, likely between 5 and 6 years ago   Was there a dispute with the original creditor that remains unresolved? No   Did you communicate any financial problems to the original creditor and make any attempt to enter into a debt management plan? No    
    • right lets clear some things up. private parking and proof of parking. The y have used ANPR to capture some inages of the vehicle enteringa dn elaving the land but you sound like you are trying to attack this from teh wrong direction regarding proof. they wont drop the matter so you have to dig up the dirt trather than jsut say prove it to them   tell us the hire co was for starters, ther may be peopel who have experiance that can help ypu without saying anything to the parking co at all   name the palces and as you went there I hope that you had read a load of threads here and can supply us with a bettery of images to shwo us what you are on about. If you cnat then you will be going back there again, not only to show us but to appeal the tickets anyway so it wont be a wasted journey. lasty we would like you to try and sneak soem pictures of teh vahicle you hired to show any small differences with the ones in the parking pictures, ie different reg palte makers mark, things stuck to windows, colour of interior of vehicle etc. any small change will help you show that the plates have beeen cloned. YOU have to do the legwork, no-one else is interested until the time someone gets run over.
    • Dont really think that cuts it.. simply the above only covers your set aside reason.   put the you have evidence you informed the original creditor of your current address on xxx ..some xxx months/years before the ccj.   id also drop the embarrass ed defence bit at the end.   what defence are you offering that you dont owe the money? Simply saying the claimant might not have paperwork is immaterial. The ccj trumps that.  
    • ther thing we need to do is identify the land correctly, so state where exactly it was. If you mean the Tesco/aldi car park  then there is a sign at the entrance but that isnt an offer pf a parking contract with charges fro breaching it so maybe an invitation to teat at best. Cant tell who it is with though so not good for these bandits
    • Hi,   I've been sent a claim form from Hoist finance UK Holdings, after speaking with them I believe it's with Robinson way.   I dont recall ever being sent a letter of claim beforehand, the debt is a Barclaycard and the amount if around £1500.   Speaking to robinson way they are unwilling to negotiate with me and simply told me to return the claim form.    Is there anything I can do to avoid the CCJ, I'm happy to arrange a payment plan with them and certainly would've if a letter of claim was sent.   Thanks 
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Hi All.


I wrote to Creation finance to requests under section 77 Consumer Credit Act 1974.




I wrote to them asking why they had done this no answer,

I also asked for copy of all edged credit agreement ,

also signed mandate, no response.


I have now got a letter say as my alleged account has been closed and my request no longer capable of being valid.


I want the documentation they used to set up a false DD with my bank.


Any advice appreciated.

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Subject Access Request to both Creation and the bank that they set it up on. £10 for each mind...

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