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    • name of claimant is not overdales - a solicitor representing a client cannot be the claimant.   pop up on the MCOL website detailed on the claimform. [if mcol is not working return after the w/end or the next day if week time] .  register as an individual on the Gov't Gateway Site Go to HMRC's login page. Click the GREEN sign in button. Click “Create sign in details” Enter your email address where asked. You will now be emailed a confirmation code. ... You will now be issued with a User ID for your government gateway account.  note down your details inc the long gateway number given, you might need it later.  then log in to the MCOL Website .  select respond to a claim and select the start AOS box. .  then using the details required from the claimform .  defend all  leave jurisdiction unticked  you DO NOT file a defence at this time [BUT you MUST file a defence regardless by day 33 ] click thru to the end confirm and exit MCOL. .. get a CCA Request running to the claimant ...YOU MUST SEND A CCA REQUEST FOR EACH DEBT IN THEIR POC https://www.consumeractiongroup.co.uk/topic/332502-cca-request-consumer-credit-act-1974-updated-january-2015/ .. Leave the £1 PO unsigned and uncrossed . get a CPR  31:14  request running to the solicitors [if one is not listed send to the claimant] ... .[use our other CPR letter if the claim is for an OD or Telecom Debt] . https://www.consumeractiongroup.co.uk/topic/332546-legal-cpr-3114-request-request-for-information-when-a-claim-has-been-issued/ . on BOTH type your name ONLY Do Not sign anything . you DO NOT await the return of ANY paperwork  you MUST file a defence regardless by day 33 from the date on the claimform [1 in the count] ..............      
    • Which Court have you received the claim from Northampton N1   Name of the Claimant ? Overdales   Date of issue –  31/12/2021   Date to submit defence  - 2nd February    Particulars of Claim   1. claim comprises of the following agreements the defendant entered into: a) shop direct financial services current balance £937 B) shop direct financial services current balance £3742   2. The agreements were terminated as payments were not maintained and subsequently assigned to the claimant A) total sums = £4679 B) interest pursuant of s69 £374 c) costs   What is the total value of the claim? £4680 = with court costs and interest = £5609   Have you received prior notice of a claim being issued pursuant to paragraph 3 of the PAPDC (Pre Action Protocol) ? YES   Have you changed your address since the time at which the debt referred to in the claim was allegedly incurred? NO   Did you inform the claimant of your change of address? N/A Is the claim for - a Bank Account (Overdraft) or credit card or loan or catalogue or mobile phone account? CATALOGUE   When did you enter into the original agreement before or after April 2007 ? AFTER 2007   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...) ? YES   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. DEBT PURCHASER (LOWELLS HAVE THE DEBT AND OVERDALES ARE ACTING ON THEIR BEHALF)   Were you aware the account had been assigned – did you receive a Notice of Assignment? NOT SURE IT'S BEEN A WHILE 3 YEARS IN DEBT AT LEAST   Did you receive a Default Notice from the original creditor? NOT SURE IT'S BEEN A WHILE 3 YEARS IN DEBT AT LEAST   Have you been receiving statutory notices headed “Notice of Sums in Arrears”  or " Notice of Arrears "– at least once a year ? NO   Why did you cease payments? WAS WITH A DEBT CHARITY (STEPCHANGE) MAKING PAYMENTS TO A NUMBER OF DEBTERS WIFE LOST 2ND JOB AND COULD NO LONGER AFFORD PAYMENTS (STEP CHANGE SUGGESTED I GO BANKRUPT I DIDN'T WANT TO DO THAT) CAME TO CAG FOR ADVICE IT WAS SUGGESTED I DROPPED THE CHARITY AND WENT ON MY OWN. FOUND IT EASIER SOME DEBTS ARE BEING PAID SOME CAN'T GET CCA INFO SO NOT HEARD FROM THEM FOR AGES OVERDALES HAVE BEEN THE ONLY PERSISTANT ONES FOR THIS DEBT.   What was the date of your last payment? CAN'T REALLY REMEMBER BUT PERHAPS 2017 OFF THE TOP OF ME HEAD   Was there a dispute with the original creditor that remains unresolved? AT THE TIME WHEN WIFE LOST HER JOB THEY WOULDN'T REDUCE PAYMENTS INSTEAD PILED ON INTEREST AND FINES. ENDED UP NOT RESPONDING TO THEM ANYMORE AND BEEN IN DEBT SINCE TO DCA'S   Did you communicate any financial problems to the original creditor and make any attempt to enter into a debt management plan? YES I DID AND THEY WEREN'T INTERESTED
    • So many memories of listening to his tracks when I was younger, also making me feel rather old as well
    • whoever said send an sar to the fleecers or their dogs, waste of time, thats what CCA/CPR does.   you should NEVER EVER be sending ANY covering letter to anyone that tips them off how you might later defend a claim you've been here far to long to now be making such schoolboy mistakes ALWAYS check with us before you do anything!.   can you get that link done please?   WHEN you have done that we will advise your next steps.   your defence will be our generic one slightly adapted which is in just about every 'CAT claimform' thread here.   use our enhanced google search box.   you dont file anything with a defence disclosure come at the witness statement stage IF IF IF it ever gets that far.   i strongly suggest you go read a few 10's of cat claimform threads here so you know what is to come, how to react, and the various stages of the court claim. please other than filing out our link, dont ever do anything more without checking here FIRST but DO NOT ever miss your defence filing date which we dont even know yet!!          
    • @dx100uk   I have filled everything  I can online against the claim apart from my defence yet. I still have a few weeks for this. I am defending the whole claim.   I filled out another CCA form and a CPR 31.14 to Overdales and sent this recorded last week with a covering letter. I also did a SAR to Lowells which haven't even signed for the letter looking at the RM tracker.   Overdales wrote to me today sending me copies of the same S78 as shown in #6 post above. (if you wouldn't mind taking another look and seeing if they have sent enough or is something missing?)   In the covering letter I told them that the only information they have supplied is copies of a digitally signed agreement with Very and a copy of the T&C relating to that. I am missing things like notice of assignment, default notice and any copies of statements relating to the account. I also mentioned that they claim over £3000 on a littlewoods account and haven't supplied any information relating to this account at all.   So they ignored all that and just sent me the same files as last time and have told me they won't discuss the account anymore only to arrange payment or take it to court.   So it looks like the court route.   I can defend the claim online upto 1000 words can you submit documentation to the court as evidence e.g attachments or would this be done in person on the day or write to them with the documentation?
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Lowell claimform - old O2 Debt***Claim Discontinued***


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Will post up another draft of what I am

Sending to Lowell tonight so I can send it off special delivery to them tomorrow for the 3rd - nothing as of yet via email in regards to the missing page but don't want to miss the deadline :-)

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Ok this is what I am going with....

 

I, xxxxx of xxxxxxxxxxxxxxxxxxxxxxxxxxxxxxxxxxxxxxxxxx will say the following:

 

Introduction:

 

1. I am a litigant in person.

 

2. The facts contained in this statement are known to me based on the information held and are true to the best of my belief.

 

Response to the claimants statement:

 

3. In regards to the request under CPR31.14 this was to confirm the debt was the defendants as all correspondence received so far has been under the name of "yyyyy" and not "xxxxxxx" which is the defendants name as seen by a copy of the defendants driving license attached as CS1.

 

4 The evidence supplied in SJI1 is not sufficient to show ownership of the debt. It has no identifying details (Name, address, Account Number).

 

5. In regards to evidence SJI2 the letter (unbranded) allegedly from O2 states that a full breakdown of costs is included however this has not been produced as evidence in the witness statement from the Claimant. The letter in SJI2 states on paragraph 1 of this letter "Details of what that amount is for are on the other side of this letter" - this part of the letter evidenced within the claimants Witness statement is missing.

 

As per CPR Rule 16.5(4), it is expected that the Claimant prove the allegation that the money is owed:

 

Therefore the claimant is put to strict proof to:

 

(a) show how the Defendant has entered into an agreement/contract; and

(b) show proof the Defendant was sent default notice and termination notice/demand notices; and

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

(d) show how the Defendant has reached the amount claimed for.

 

As per Civil Procedure Rule 16.5(4), it is expected that the Claimant prove the allegation that the money is owed. Without the complete document listed in SJI1 or SJI2 and given the submitted issue with the name, as shown in CS1 the Defendant suggests this benchmark has not been met.

 

6. The Claimant suggests that the defendant has admitted entering into a contract in Paragraph 15. While the defendant has acknowledged that he has, in the past, had an account with O2, at no time has the defendant admitted entering into this particular contact as the surnames are not correct on any of the paperwork supplied nor on the claim itself. As 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.

 

7. In regards to the alleged upgrade on 7th October 2011 there has been no documentation supplied in regards to this in there claim - there should be a signed form for example if conducted in store. This, if supplied, would prove one way or another the debt as the signature on the contract would be the same as the driving license supplied in (CS1).

 

8. Notwithstanding the above, should the alleged amount claimed include an early termination charge(s) amounting to the entire balance of the remaining contract. OFCOM guidance states that any Early Termination Charge that is made up of the entire balance if the remaining contract is unlikely to be fair as it fails to take into account the fact that the provider no longer has to provide and pay for their service.

 

9. As such the claimant has not provided an accurate break down of how the amount alleged to be owed has been calculated. Nor has the claiment supplied evidence that the debt is the defendants.

 

10. The defendant respectfully submits that the claim has not proven ownership and therefore the claim should be struck out.

Edited by venomex
Missing a bit
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Ok having looked at a few more of the other defences I have seen on the site have added a bit more.

 

I, xxxxxxx WILL SAY as follows:

 

Introduction:

 

1. I am a litigant in person. I make this Witness Statement in support of my defence dated 21st March 2017 and in response to the claimants claim dated 17th February 2017 which was submitted through County Court Bulk Centre.

2. The facts contained in this statement are known to me based on the information held and are true to the best of my belief.

3. It is my understanding that the claimant is an Assignee, a buyer of defunct, disputed or bad debts, which are bought on mass portfolios at a much reduced cost to the amount claimed ...10p to 15p in the £1 and which the original creditors have already wrote off as a capital loss and claimed against taxable income. The claimant then issues on mass claims to circumvent and claim the full amount of debt to maximise profit.

 

 

 

 

 

Response to the claimants statement:

 

4. In regards to the request under CPR31.14 dated 21st February 2017, this was to confirm the debt was the defendants as all correspondence received so far has been under the name of xxxx and not xxxxx which is the defendants name as seen by a copy of the defendants driving license attached as CS1.

 

5. In regards to Paragraph 11 and Paragraph 12, the evidence supplied in SJI1 is not sufficient to show the ownership of the debt. It has no identifying details (Name, address, Account Number) and therefore lacks the details needed to prove this.

 

6. In regards to evidence SJI2 and Paragraph 12, the letter (unbranded) allegedly from O2 states that a full breakdown of costs is included however this has not been produced as evidence in the witness statement from the Claimant. The letter in SJI2 states on paragraph 1 of this letter - "Details of what that amount is for are on the other side of this letter" – this second part of the letter, evidenced within the claimants Witness statement is missing. The claimant was contact via phone and email on 01/08/2017 asking for this information and this email is attached as evidence hereto as “CS2”.

As per CPR Rule 16.5(4), it is expected that the Claimant prove the allegation that the money is owed:

Therefore the claimant is put to strict proof to:

(a) show how the Defendant has entered into an agreement/contract; and

(b) show proof the Defendant was sent default notice and termination notice/demand notices; and

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

(d) show how the Defendant has reached the amount claimed for.

 

As per Civil Procedure Rule 16.5(4), it is expected that the Claimant prove the allegation that the money is owed. Without the complete document listed in SJI1 or SJI2 and given the submitted issue with the name, as shown hereto at “CS1” the Defendant suggests this has not been met.

 

7. The Claimant suggests that the defendant has admitted entering into a contract in Paragraph 15. While the defendant has acknowledged that he has, in the past, had an account with O2, at no time has the defendant admitted entering into this particular contact as the surnames are not correct on any of the paperwork supplied nor on the claim itself. As 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.

 

8. In regards to the alleged upgrade on 7th October 2011 stated in Paragraph 16 - there has been no documentation supplied in regards to this allegation in their claim - there should be a signed form for example if conducted in store. This, if supplied, would prove one way or another, the debt as the signature on the contract would be the same as the driving license supplied in (CS1).

 

9. Notwithstanding the above, should the alleged amount claimed include an early termination charge(s) amounting to the entire balance of the remaining contract. OFCOM guidance states that any Early Termination Charge that is made up of the entire balance if the remaining contract is unlikely to be fair as it fails to take into account the fact that the provider no longer has to provide and pay for their service.

 

10. As such the claimant has not provided an accurate break down of how the amount alleged to be owed has been calculated. Nor has the claimant supplied evidence that the debt is the defendants.

 

11. The defendant respectfully submits that the claim has not proven ownership and therefore the claim should be struck out.

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Claimant Lowell In the XXXX County Court

 

v

 

Defendant venomex Claim Number XXXXXXXX

 

I, xxxxx of xxxxxxxxxxxxxxxxxxxxxxxxxxxxxxxxxxxxxxxxxx will state the following:

 

I make this Witness Statement in support of my defence dated 21st March 2017 and in response to the claimants claim dated 17th February 2017 which was submitted through county court bulk centre.

 

1.The claimants witness statement confirms that it mostly relies on hearsay evidence as confirmed by the drafts person in the opening paragraph.It is my understanding that they must serve notice to any hearsay evidence pursuant to CPR 33.2(1)(B) (notice of intention to rely on hearsay evidence) and Section 2 (1) (A) of the Civil Evidence Act.

 

2. I understand that the claimant is an Assignee, a buyer of defunct or bad debts who are based in Jersey, which are bought on mass portfolios at a much reduced cost to the amount claimed and which the original creditors have already wrote off as a capital loss and claimed against taxable income.

 

3. Save insofar of any admittance it is accepted that a contractual relationship did once exist with O2. On receipt of this claim I could not recall the precise details of the agreement or any debt and sought clarity from the claimant by way of a CPR 31.14 Namely that I requested:-

 

A copy of the Contract/terms and conditions as applicable at the time of the agreement

A copy of the Notice of Default/ termination notice

A copy of the legal deed/notice of assignment showing the claimants right to take action

 

This was to confirm the details of the debt was actually myself as all correspondence received so far has been under the name of "yyyyy" and not "xxxxxxx" which is the defendants name as seen by a copy of the defendants driving license

( See Exhibit CS1.)

 

4 The claimants disclosure supplied in SJI1 is not sufficient to show legal ownership of the debt. It has no identifying details (Name, address, Account Number) and cannot be connected to the alleged debt as plead in the claimants particulars.

 

5. In regards to disclosure SJI2 the letter (unbranded) allegedly from O2 states that a full breakdown of costs is included however this has not been produced as evidence in the witness statement from the Claimant. The letter in SJI2 states on paragraph 1 of this letter "Details of what that amount is for are on the other side of this letter" - this part of the letter evidenced within the claimants Witness statement is missing.

 

Without the complete document listed in SJI1 or SJI2 and given the submitted issue with the name, as shown in CS1 the Defendant suggests this benchmark has not been met.I have since requested form the claimant the missing page which contains a breakdown of the alleged debt.

 

6. The Claimant suggests that the defendant has admitted entering into a contract in Paragraph 15. While the defendant has acknowledged that he has, in the past, had an account with O2, at no time has the defendant admitted entering into this particular contact as the surnames are not correct on any of the paperwork supplied nor on the claim itself.

 

7. In regards to the alleged upgrade on 7th October 2011 there has been no documentation supplied in regards to this in there claim - there should be a signed form for example if conducted in store. This, if supplied, would prove one way or another the debt as the signature on the contract would be the same as the driving license supplied in (CS1).

 

8. Notwithstanding the above, should the alleged amount claimed include an early termination charge(s) amounting to the entire balance of the remaining contract. OFCOM guidance states that any Early Termination Charge that is made up of the entire balance if the remaining contract is unlikely to be fair as it fails to take into account the fact that the provider no longer has to provide and pay for their service.It is assumed that the missing page will verify that the bulk of this claim will no doubt be early termination charges and airtime hence the claimants choice to refrain from disclosing this breakdown.

 

9. As such the claimant has not provided an accurate break down of how the amount alleged to be owed has been calculated and is put to strict proof to disclose the missing page with breakdown and justify how such an amount can be legally enforceable.

 

10. It is therefore respectfully requested that until such time the claimant can prove identity and justify the alleged amount claimed that the court dismiss this.

 

Statement of Truth

 

I, ********, the Defendant, believe the facts stated within this Witness Statement to be true.

 

Signed: _________________________ _______

 

Dated: _________________________ ______

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I would also copy the claimants exhibits were you refer to them and again you type (See exhibit SJ11/SJ12 etc ) at the end of the paragraph your refer to them.

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Thanks Andyorch all amended and sent off to Lowell by special "get there by 12 tomorrow" post and dropped the other copy into the court stamped for today. All I have to do now is wait till couple of weeks to see if they actually pay for the case. Thanks again for all you help!!!

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Just checked and the document has been signed for this morning at Lowell (with a smiley face as a signature......very official) so all filed on time - no letter from Lowell with the missing second page arrived today so I assume not going to appear anytime soon roll on 13th and the check to see if it was paid :)

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Well at least it wasn't signed for in red crayon...staff are not allowed sharp objects.

 

Not to worry they now know you are on to it and they know they will have to disclose it...clocks ticking

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Ok slight update - have just received an email from Lowell with a statement......not what I asked for and as after the date could not be used anyway I assume? The statement is basically a copy of the statement of account from 02 and has no break down - will redact it and upload later but to be fair not a lot to it

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Paying the fee means nothing...they pay on account and can always request a refund before discontinuing.

 

So no breakdown...does it look like the same document referred to in the witness statement?

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No there is still no breakdown and the document is completely different to the witness statement-this is a copy from 02 but it is not a standard mobile phone bill looks like internal statement of that makes sense - pc is back working again so will redact and PDF it for you to have a look at :-)

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So no connection at all completely different font.....its all very well stating in their WS that £ X amount is outstanding for airtime and termination fee...but they are not willing to quantify and show how this breakdowns or how it incurs them any debt.

 

So like a dog with a bone...this is the angle you attack and keep attacking...hopefully getting the court to order disclosure and quantify this £900 debt...anyone can issue a charge...but if you cant justify and quantify...then its fairy tale accounting and unfair to the consumer.

We could do with some help from you.

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  • 3 weeks later...

Couple of things

- first of all just been sorting the paperwork that I am taking to court in a couple of weeks -

noticed that Lowell has also sent me another persons details in some of the paperwork!

 

Secondly and if this is in the wrong section I am sorry

- given I like to know my "enemy" before going to places like this

have been doing some digging into Lowell,

specifically the Portfolio side which seems to be based in Europe (according to their website for investors).....

 

 

question would be

a) due to the falling pound agains the euro they are now "cashing in" these debts given how old they are to protect investors would this be "proof" of them just buying debt for profit?

I mean we all know that is their business focus

but given the timings would this lend weight to the arguemnt and

 

 

b) is it worth an FOI request to Ministry of Justice to see how much of the increase in CCJ's (30% ish) in first half of 2017 was due to this company?

 

 

Again in my case pointless as cant produce evidence this late in the day,

but maybe could be of use to people in an early position, or at least highlight the situation?

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Ok update time!!

 

Just came home to a letter from Lowell with a Notice of Discontinuance with "discontinues all of this claim" ticked so think thats a win :)

 

Thanks for all the help will be hitting the donate button later today!

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well done everyone

 

 

thanks for the donation.

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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Paying the fee means nothing...they pay on account and can always request a refund before discontinuing.

 

So no breakdown...does it look like the same document referred to in the witness statement?

 

Ok update time!!

 

Just came home to a letter from Lowell with a Notice of Discontinuance with "discontinues all of this claim" ticked so think thats a win :)

 

Thanks for all the help will be hitting the donate button later today!

 

Thread title amended to reflect the outcome...good news and as predicted venomex.

 

Regards

 

Andy

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