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Lowells Credit Card CCJ set aside hearing - they've now sent signed CCA? - help!!


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Hello all,

I'm new to this forum and need help.

 

I have a court hearing to set aside a store card debt which is of £174.34.

 

The judgement was made against me as I didn't get the claim form ,

now I have a hearing on Monday.

 

This morning I received a witness statement from Lowell solicitors who are Lowell portfolio 1 ltd's solicitors

and they have attached a CCA agreement copy with my signature on it.

 

The contract was taken in November 2006.

It is not a full agreement on the page with my signature on it.

 

I'm panicking as I have hearing on Monday,

 

plz can anyone advice on CCA section 127(3-4) is in enforceable on my agreement.

 

Any help would be appreciated,

 

I'm nervous and very scared.

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You will need to scan what they have sent and upload it in pdf format so it can easily be read.

Once uploaded, the team can take a look and advise.

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I am not legally trained or qualified, any advice i offer is gleaned from experience and general knowledge, if you are still unsure after receiving advice please seek legal advice.

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tell us about the debt too please

 

 

they cant send anything to you

 

 

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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the debt is for ikea home card and ikano financial services.

 

 

Lowell portfolio 1 ltd purchased the debt in 2012.

 

 

From 2012 it went to red financial service

than to Hamptons legal

and from here again Lowell portfolio reappeared ,

then bryan carters and

lastly lowell solicitors

are the one who send me the witness statement.

 

 

I had written to Hmaptons legal in 2013 requesting them to prove the debt and they didnt answer .

 

 

Now after 2013 lowell has obtained the CCA with signature.

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all the same group that lot

 

 

so what did you send in your WS?

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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Share on other sites

so you live at the address they have always sent letters too and the claimform?

so simply ignored them totally?

 

have you ALL the statements?

 

£174 is easy to defend with penalty charges [£12 ones]

that must be their or PPI?

 

where are the T&C's they should have sent?

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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Share on other sites

After January 2013 I didn't hear anything from them.

 

I had written to Hamptons to prove the debt which they didn't answer

 

. They didn't even send anything saying that Bryan Carter is chasing the debt.

 

I didn't get the claim form.

 

Only I came to know about it when judgement was sent against me,

 

I send an application to set it aside because I had no idea who and what the debt is all about

 

its been going through so many hands.

 

Now after reading witness statement it has occurred to me that I had written to Hamptons which they didn't reply.

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Plz advise, can CCA section 127 3 enforceable.

 

you didn't send them a CCA request.[put them to strict proof]

you ignored everything to your address?

 

 

they volunteered the agreement copy

why are you looking at 127 3?

how do you think that applies?

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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Share on other sites

please DO NOT REPLY USING TXT SPK

 

 

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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Share on other sites

post 6 please

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... 

Link to post
Share on other sites

so you live at the address they have always sent letters too and the claimform?

so simply ignored them totally?

 

have you ALL the statements?

 

£174 is easy to defend with penalty charges [£12 ones]

that must be their or PPI?

 

where are the T&C's they should have sent?

 

 

answer the outstanding q's please

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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Share on other sites

but you ignored everything since mind

did you not defend the claimform?

 

 

have you all the card statements?

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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Share on other sites

strange you got everything else mind???

 

 

can we see your WS please?

 

 

I take it you filed earlier than what you needed too

and they caught you out by delaying theirs.

what date is on their WS, it must be dated 7 days before the hearing date to be valid?

 

 

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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Share on other sites

So you have not changed address ? ...yet the claimant refers to serving the claim at the last known address ?

 

Regards

 

Andy

We could do with some help from you.

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