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    • Its not clear from your posts how this debt was incurred ? You moved into the house and they were the existing supplier ? So the debt is for the previous owner ?
    • defence is due on Friday haven't had a response from Morality yet with regards to the CPR request. Have found this from a previous thread would it be ok to use?   1.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 particular allegation to which a specific response has not been made.   2.The Claimant has not complied with paragraph 3 of the PAPDC ( Pre Action Protocol) Failed to serve a letter of claim pre claim pursuant to PAPDC changes of the 1st October 2017.It is respectfully requested that the court take this into consideration pursuant to 7.1 PAPDC.   3.Furthermore, the claimant has given no details as to the breakdown of their claim so the defendant is unable to defend specifically.   4. The claimant openly admits that they do not have access to the agreement nor was the Assignor required to retain a copy. Therefore their claim is unsubstantiated. Pursuant to the civil procedure rules Practice Direction 16 (7.3) Where a claim is based upon a  written agreement:   (1) a copy of the contract or documents constituting the agreement should be attached to or served with the particulars of claim and the original(s)  should be available at  the hearing. With the court’s permission the Claimant is put to strict proof to:- a) show and disclose how the Defendant has entered into an agreement; b) show and disclose how the Claimant has reached the amount claimed ; c) show how the Claimant has the legal right, either under statute or equity to issue a claim;   5. As per Civil Procedure Rule 16.5 (4) it is expected that the Claimant prove the allegation that the money is owed.   6. It is therefore denied that the defendant is indebted to the claimant as alleged or at all.
    • He should have an account number after they emailed conformation of the on line agreement.
    • You won't find much, because the vast majority of motorists are just interested in not paying their invoice, those who say they will sue then disappear presumably after changing their minds, and the two successes I can think of (Hitman and Moaning Crusader) won their cases by default. The argument about your case  is simple though - are PE lying about the date they sent the SAR, or not? That's why I scribbled down some ideas in post 66 so they would be ready later on for your Witness Statement.
    • We have had to to temp disable it due to a system glitch you can view all recent activity by clicking the blue " Latest Activity " tab.   Andy
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    • We have finally managed to obtain the transcript of this case.

      The judge's reasoning is very useful and will certainly be helpful in any other cases relating to third-party rights where the customer has contracted with the courier company by using a broker.
      This is generally speaking the problem with using PackLink who are domiciled in Spain and very conveniently out of reach of the British justice system.

      Frankly I don't think that is any accident.

      One of the points that the judge made was that the customers contract with the broker specifically refers to the courier – and it is clear that the courier knows that they are acting for a third party. There is no need to name the third party. They just have to be recognisably part of a class of person – such as a sender or a recipient of the parcel.

      Please note that a recent case against UPS failed on exactly the same issue with the judge held that the Contracts (Rights of Third Parties) Act 1999 did not apply.

      We will be getting that transcript very soon. We will look at it and we will understand how the judge made such catastrophic mistakes. It was a very poor judgement.
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      This is good ethical practice.

      It would be very nice if the parcel delivery companies – including EVRi – practised this kind of thing as well.

       

      OT APPROVED, 365MC637, FAROOQ, EVRi, 12.07.23 (BRENT) - J v4.pdf
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Lowell claimform for old cat 'debt'***Claim Discontinued***


Clynite
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My neighbour received a response from Lowells today. As advised I sent a CPR31.14 and a CCA request to them same day as Carter sols. They have answered as follows:

 

 

`Thank you for your recent letter, requesting information subject to Civil Procedure Rules.

Please note that as this account is being litigated by an external agency, we have passed your letter to Fredrickson International to deal with.

They will be in touch with you in due course and we would ask that you address all future correspondence directly to Fredrickson International.

Fredrickson International PO Box 260, Weybridge, Surrey KT13 OYH

We trust this is satisfactory

Yours sincerely James Crabtree.`

 

 

Can anyone explain this response? Further, when should I be considering submitting a defence? Thanks in anticipation

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It is a simple notification that Freds are handling the court case and all data/communication should be sent to it.

It has no impact otherwise.

Any Letters I Draft are N0T approved by CAG and no personal liability is accepted.

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Basically they have passed it to the next desk over as freds and carter are the same ppl

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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Ok thanks, but how long should I wait for the cpr/cca requests to be answered? Please bear in mind, that I have to explain this to my friend, in a fashion that she will understand and not add to her distress.

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Carter is actually a solicitor and senior partner in a firm, Fredrickson Int. as a part now of the Lowell grp.

Any Letters I Draft are N0T approved by CAG and no personal liability is accepted.

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The normal times based on the statue. As has been said before they 'SHOULD' be aware of the rules by now.

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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Ok thanks, but how long should I wait for the cpr/cca requests to be answered? Please bear in mind, that I have to explain this to my friend, in a fashion that she will understand and not add to her distress.

 

 

The CCA request has a time scale of 12 + 2 Working days (weekends and Bank Hols not counted).

Any Letters I Draft are N0T approved by CAG and no personal liability is accepted.

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Hi

Just to recap on my understanding of situation;

 

 

I have sent CPR31.14/CCA requests to Carter/Lowells.

 

 

They have both replied but, not with the relevant info.

 

 

I sent the CCA request on 21 July.

They have 12 working days in which to reply. If they do not, then they are in default of the request,

 

 

if I understand correctly. The 5 August will be the 12 day deadline.

 

I have to submit the defence by the 16 August online at MCOL.

 

 

Is it possible for me to draft the defence now and have it ready, rather than flap later on?

 

 

I do not know what shape or form the defence should take.

 

 

Hopefully Andyorch will assist me with this.

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Hi

Just to recap on my understanding of situation; I have sent CPR31.14/CCA requests to Carter/Lowells. They have both replied but, not with the relevant info. I sent the CCA request on 21 July. They have 12 working days in which to reply. If they do not, then they are in default of the request, if I understand correctly. The 5 August will be the 12 day deadline.

I have to submit the defence by the 16 August online at MCOL. Is it possible for me to draft the defence now and have it ready, rather than flap later on? I do not know what shape or form the defence should take. Hopefully Andyorch will assist me with this.

12 + 2 working days (exclude BHs and WEs).

Yes start drafting the defence.

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have a look at many of the threads alredy here

 

the 'holding defence' [no paperwork]

 

is in many threads

 

just relate it directly to your PoC point[number]by point.

 

dx

please don't hit Quote...just type we know what we said earlier..

DCA's view debtors as suckers, marks and mugs

NO DCA has ANY legal powers whatsoever on ANY debt no matter what it's Type

and they

are NOT and can NEVER  be BAILIFFS. even if a debt has been to court..

If everyone stopped blindly paying DCA's Tomorrow, their industry would collapse overnight... 

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Hi Clynite responding to your PM

 

Here is a recent Cat defence that I drafted for another poster which was successful in the claim remaining stayed.You will have to edit slightly to suit and add your request dates/responses for CCA /CPR ect.....

 

Defence

 

 

 

1. 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 particular allegation to which a specific response has not been made.

 

 

2.Paragraph 1 is noted. I have had an agreement in the past with Shop Direct but any alleged balance is and remains in dispute for faulty goods/services.

 

 

3.Paragraph 2 is denied I am unaware of any legal assignment or Notice of Assignment allegedly served over 3 years ago.

 

4.It is therefore denied with regards to the Defendant owing any monies to the Claimant, the Claimant has failed to provide any evidence of assignment/balance/breach requested by CPR 31. 14,Furthermore a request was made pursuant to the CCA1974 section 78 and as at this date the claimant has failed to comply and therefore in default of said request, therefore the Claimant is put to strict proof to:

 

(a) show how the Defendant has entered into an agreement with the Claimant; and

(b) show how the Defendant has reached the amount claimed for; and

© show how the Claimant has the legal right, either under statute or equity to issue a claim;

 

5.As per Civil Procedure Rule 16.5(4), it is expected that the Claimant prove the allegation that the money is owed.

 

6.On the alternative, if the Claimant is an assignee of a debt, it is denied that the Claimant has the right to lay a claim due to contraventions of Section 136 of the Law of Property Act and Section 82A of the Consumer Credit Act 1974.

 

 

7.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.

 

Regards

 

Andy

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Many thanks Andy,

 

 

just come back after searching for other related threads.

 

 

Where you said to add request dates/responses for cpr/cca,

do I just add new lines eg 8/9 and state that request made on so and so and to date no response from claimant?

 

 

You appear to have covered CPR request in point 4 above.

 

 

Sorry if I sound a bit dim but am keen to get this right.

 

 

Do I write the above, verbatim in the MCOL submit defence section.

 

 

Cheers for your help.

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Yes CPR covered just add CCA but add it at point 4....7 should always be the last point made...dont add anything after it.

 

Andy

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Yes allow the 12+2 then you can state they are in default.

We could do with some help from you.

PLEASE HELP US TO KEEP THIS SITE RUNNING EVERY POUND DONATED WILL HELP US TO KEEP HELPING OTHER

 

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Shall I wait until the 12 working days have passed for the cca request to be answered, to show that they have not complied? That will mean I can submit defence on or after 5 August.

Do I just say that `claimant has failed to respond to my cca request as of 21 July`?

Thanks

12 +2 Working days.

Any Letters I Draft are N0T approved by CAG and no personal liability is accepted.

Please Consider making a donation to keep this site running!

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No you add it at point 4...point 7 is always the very last comment you make.

We could do with some help from you.

PLEASE HELP US TO KEEP THIS SITE RUNNING EVERY POUND DONATED WILL HELP US TO KEEP HELPING OTHER

 

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I have amended it for you.

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We could do with some help from you.

PLEASE HELP US TO KEEP THIS SITE RUNNING EVERY POUND DONATED WILL HELP US TO KEEP HELPING OTHER

 

Have we helped you ...?         Please Donate button to the Consumer Action Group - The National Consumer Service

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Hello everyone,

 

 

Just an update for you; The 12+2 days for a response to cca request were up today. Therefore , I have just submitted the defence that Andyorch provided to the MCOL website.

 

 

Can anyone advise on the process that will follow, and will my friend be informed as and when?

 

 

Many thanks to everyone that has offered help and advice to help me get this far!

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Its a sit and wait now.

 

The courts will inform Lowell that a defence has been submitted and they will get a view of it. Then they chose if to discontinue or not. A AQ/DQ will be issued then it goes from there.

 

Remember to keep a list of time you have spent dealing with this. cag time= reasearch.

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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