Lowells/? claimform - old Shop Direct CAt debt

[Copier]

Possibly another bingo moment

 

just found a email stating welcome to your new account with credit limit

 

stating you can buy now & pay nothing for 12 months

[Copier]

Final which I am going to send does this look ok?

 

 

 

 

In The

 

 

Claim Number

 

 

Lowell Portfolio Ltd

 

And

 

 

 

 

Supplemental Disclosure Statement/New Evidence

 

 

I, the above named defendant state that I have carried out a reasonable and proportionate search to locate all the documents.

 

 

Letter/email welcome for Buy Now Pay later & order confirmation & statement recalling Buy now pay later.

 

Exhibit 1

 

 

Bank Details of Very which is inconceivable i the defendant would & could pay into a closed bank account from 12 years ago, to which payments should be traceable from the dates given & no Payments have ever been refunded, so the defendant assumes the funds are in a bank account & gaining Interest.

 

Exhibit 2

 

 

Emails & List of mail drops at that time of Postal problems ranging from november postage drops to after march raising issues that mail was not reaching myself the defendant or clients & a statement from Royal Mail which was published and sent out outlining the postal issues due to circumstance beyond my control to over 500 clients which was for work memberships to be renewed for the ending period 2016, forms were sent out early Oct 15 for renewals.

 

Exhibit 3

 

 

which I am required to disclose under the order made by the court on day of I did not search:

 

(1) for documents predating Feb15,

 

(2) for documents located elsewhere than emails paper copies & website,

 

(3) for documents in categories other than woolworths , Very & Postal Issues

 

 

I carried out a search for electronic documents contained on or created by the following:

 

Statements & Correspondence from Woolworths , Very & Postal Problems

 

I did not search for the following:

 

(1) documents created before Feb 15,

 

(2) documents contained on or created by the Claimant's PCs/portable data storage media/databases/servers/backup tapes/off-site storage/mobile phones/laptops/notebooks/handheld devices/PDA devices

 

(3) documents contained on or created by the Claimant's calendar files/spreadsheet files/graphic and presentation files,

 

(4) documents other than by reference to the following keyword(s)/concepts Woolworths, Very & Postal Issues Royal Mail.

 

.

 

I certify that I understand the duty of disclosure and to the best of my knowledge I have carried out that duty. I certify that the list above is a complete list of all documents which are or have been in my control and which I am obliged under the said order to disclose

[AndyOrch]

You really do not need to use the N265 in Small Claims Track... or copy the layout.....a simple letter stating that is a supplemental list of disclosures that you wish to add to your existing list.

 

Then list the documents by title and date.

 

Thats all required.

[Copier]

oh ok I'm overthinking it thanks andy

[Copier]

new court date the 12/7/17

[Copier]

Just a thought if terms had been changed in a buy now pay later would the 14 days refund be relevant or a cool off period

noted aswell in the second ws they have the wrong account number

[Copier]

Hi

 

any one have any thoughts on what else is there to be brought up

 

have resent the email confirming I had the option of buy now pay 12 months

also the order confirmations stating they were buy now pay 2 months as they said I didn't have it on buy now pay 12

 

have sent evidence that the judge mentioned I would have to prove I never received the df

there was massive floods

it was on the news

I sent copies of emails & notification off the post office so hopefully that will suffice

 

resent my bank statement as they said they couldn't see the dates but dates were on the top of the statements I think it was a delaying tactic

 

pointed out in the 2 nd ws lowel state the account number had not been changed

they have the wrong account number & where would I fin a old closed account from 12 years ago

 

also found the Wilson v hurstanger to hopefully counter him trying to get this on quantum although this only come up at the weekend so wont have chance to submit but as she took docs off the sol when he asked for it to be looked at via quantum when she told him they had not complied with section 78

 

 

is there anything I have missed or not getting right

 

tia

[AndyOrch]

Cant think of anything further Copier..let your disclosures do the talking.

[Copier]

Cant think of anything further Copier..let your disclosures do the talking.

 

Thanks andy I'm going through everything I can I'd any one spots anything please say

Fingers crossed

[Copier]

What's next procedure if I get a ccj

Income and expenses as I couldn't be paid off in one go

Tia

[AndyOrch]

N245 if they request a forthwith judgment

[Copier]

OK any charges on low income self employed

[AndyOrch]

Normal fee is £50

 

http://www.consumeractiongroup.co.uk/forum/showthread.php?406096-LEGAL-EX160-160A-Court-Fees-are-you-exempt.-**Correct-as-at-April-2016**

[Copier]

Thanks fingers crossed

[Copier]

Been to court the new rent a sol after arguing with me pre trial struck a deal

He wanted 1500 with costs ( Thomson order which is affordable )

I struck him down to 1000 did try for 850

Hr deducted my payments and charges by very but costs were rising with sol costs

He then asked what I wanted to pay after I said where's his proof I didn't have a buy now pay later

So I told him 10 per month they wanted 20

I said no so we struck a 15 per month

I also showed him up in front of the judge with incorrect reference

He put the wrong claim number

Even now he's done his maths wrong we will see he said 5 years @ 15 per month 900

 

It wasn't about not paying but what they have done

[AndyOrch]

What is the value of the claim? 1192 in total with costs

 

Sounds a fair outcome Copier...was this resolved in court or before you entered..just with you stating you " showed him up in front of the judge with incorrect reference " ?

 

Is the settlement by way of a Tomlin Order ?

 

Well done for holding your own.

 

Regards

 

Andy

[Copier]

What is the value of the claim? 1192 in total with costs

 

Sounds a fair outcome Copier...was this resolved in court or before you entered..just with you stating you " showed him up in front of the judge with incorrect reference " ?

 

Is the settlement by way of a Tomlin Order ?

 

Well done for holding your own.

 

Regards

 

Andy

 

Yes the were adding on further costs with solicitors it would of been 1500 with rent a sol x 2 on there

The judge wanted to see us and he buggered up references again all duly pointed out

I had badgered him down previous and started at the lowest payable as I had bought the items I told him to prove it

Hubbie said people could hear us bartering and were looking but it worked

Technically I had a year free and got a interest free period of 5 years with the out come not that much more than the original items at a payable rate

 

Yes I could of gone for trial and been stuck with more costs bit weighing up this see ned sensible

Also they will have more costs ant travel expenses from the rent a sols

So a win I think and pre court