Lowell/Bryan Carter Claim Form - Capital One credit card, poss SB

[jackreacher]

getting interesting...But Andy etc can't help without you scanning up what you have.

 

Don't worry about them watching here you are only providing what they have sent you.

[kaybeok]

I've been trying to upload the docs for a while now but it's just not happening! Ugh! I'll keep trying. Thanks guys!

[dx100uk]

redact all the pages

pop them into a multipage word doc

file

save as

****.PDF

 

 

go advanced button bottom right of these msg boxes

then manage attachments button.

 

 

dx

[shamrocker]

Hi Kaybeok

 

When replying, select 'go advanced' and then select the little paperclip icon in the tools menu. You can then upload the document and insert inline. I very much look forward to having a look!

 

Sham

 

EDIT: dx beat me to it!

[kaybeok]

These are the relevant docs.

 

The other docs I did not scan are a copy of my original credit agreement and a thick pile of summary statements of account.

 

They claim in their witness statement that the statements of account is between October 2002 and May 2015;

 

however, what they have in the pile is between October 2002 and May 2012, and from 2005, the statement shows the same amount repeatedly until May 2012!!

Edited November 3, 2015 by dx100uk
attachments merged and redacted - dx

[kaybeok]

Thanks again guys, I managed to sort it out although I'm not sure I redacted properly!

[dx100uk]

you'd left the ac number

all sorted for you

 

 

dx

[shamrocker]

Do you recall having an arrangement with them to pay £5 per month?

 

If these payments were made, do you know which account they would have had the direct debit payments from?

 

Were you dealing with Lowell with regards any other debts?

 

Sham

[AndyOrch]

Seems strange that you would make 2 payments in over 4 years after assignment (debt assigned in 2006)...have you ever had a DD set up for Lowell ? It will be in your banking records if one ever existed ?

[shamrocker]

you'd left the ac number

all sorted for you

 

 

dx

 

DX - an acc no and some ref. no's are still on the account statement.

 

Sham

[dx100uk]

opps did refresh my link

done

[kaybeok]

Do you recall having an arrangement with them to pay £5 per month?

 

If these payments were made, do you know which account they would have had the direct debit payments from?

 

Were you dealing with Lowell with regards any other debts?

 

Sham

 

 

 

 

I have checked all of my accounts and I cannot find any such payments to Lowell. I don't recall dealing with them with any other debt back then although I did deal with Red Debt Collection Agency but I don't recall making payments to them. I also had dealings with CapQuest and Lewis Group, I think.

[kaybeok]

Seems strange that you would make 2 payments in over 5 years after assignment (debt assigned in 2006)...have you ever had a DD set up for Lowell ? It will be in your banking records if one ever existed ?

 

 

 

 

 

That's what I thought and I have checked all of my accounts but cannot find any such payments to Lowell.

[dx100uk]

red are lowells and so is lewis too

[shamrocker]

..........although I did deal with Red Debt Collection Agency but I don't recall making payments to them. I also had dealings with CapQuest and Lewis Group, I think.

 

Were those dealings to do with this debt?

 

Sham

[dx100uk]

yea any dd's to anyone for that date range for £5

[unclebulgaria67]

Your Bank will be able to check on any standing order or DD history on the account for £5 payments.

 

Check on any credit cards re continuous payment authorities.

 

If you find no evidence of the payments, perhaps write to Bryan Carters to advise them of this and to get them to provide evidence for the payments e.g payment method, debit/credit card used or Bank sortcode/account number.

[jackreacher]

So if it goes to court you must take your bank statements with you. It would be beneficial if you can find statements that show you paying them and statements from the same account for the questionable period showing you haven't! They have probably supplied you with them in their evidence.. use their evidence to make your case a the judge would have received the same.

 

If they aren't appearing you will have thrown a big spanner in their case.

[kaybeok]

opps did refresh my link

done

 

 

 

Thanks so much!

[AndyOrch]

Are you not bothering submitting a witness statement then?

[kaybeok]

Were those dealings to do with this debt?

 

Sham

 

Yes, they were.

[kaybeok]

yea any dd's to anyone for that date range for £5

 

Ok, I'll do side by side comparison; although I did check based on the dates on the statement they sent me but it didn't match. I'll check it again just to be double sure

[kaybeok]

Your Bank will be able to check on any standing order or DD history on the account for £5 payments.

 

Check on any credit cards re continuous payment authorities.

 

If you find no evidence of the payments, perhaps write to Bryan Carters to advise them of this and to get them to provide evidence for the payments e.g payment method, debit/credit card used or Bank sortcode/account number.

 

 

Ok, thank you!

[kaybeok]

So if it goes to court you must take your bank statements with you. It would be beneficial if you can find statements that show you paying them and statements from the same account for the questionable period showing you haven't! They have probably supplied you with them in their evidence.. use their evidence to make your case a the judge would have received the same.

 

If they aren't appearing you will have thrown a big spanner in their case.

 

 

Do I really have to appear in court?

[kaybeok]

Are you not bothering submitting a witness statement then?

 

I really want to submit a witness statement but:

 

1. The deadline was 29 October and I don't know what to do

2. I have no idea how to put one together.

 

Can I still send it even though the deadline has passed and how do I go about writing one?

 

TIA!