Jump to content


  • Tweets

  • Posts

    • Good Evening, I received this pack yesterday its an application notice to change claimants. Will they be chasing me for this as they were successful with the first claim? many thanks Webb 1.Application Notice N244rd.pdf 2.Asset Transfer Deed r.pdf 3.Notice of Assignment Part A Letter 1 & 2rd.pdf 5.Claim Form rd.pdf 6.Draft Order rd.pdf
    • Hi, If they haven't followed the court's directions there will be little tolerance of the court. Anyway please can you upload a copy of the court paperwork
    • Yes, you should have applied for an immediate strike out as soon as the deadline expired. Without the agreement, they are stuffed Forget Barclaycard, Asset link is now the creditor, and it is down to them to provide the agreement.  That needs to go into the witness statement. They have not provided the agreement contrary to directions of the court and request the court strike out the claim as to the original court directions.
    • I did not receive a notice via post but in my claim status it shows my claim was transferred to a court I requested in my DQ, as it is closer to me.    Defense I filed:  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 defendant paid the lead tenant a fixed sum monthly bill without fail for the extent of the rental period of the accommodation their contract was associated with who was responsible to make payments to the claimant, ending in June 2023. 3.       After moving out, a month later, the claimant wrote to state that an outstanding sum existed. Further stating, as one of the 10 tenants at the time, I now owed them the full sum instead of my 1/10 proportion of said debt, as 10 students were at the dwelling. They also intimated that they were legally allowed to charge me the full sum if the other renters were not to pay their share under some equal and joint severity rule. 4.       Despite sending numerous requests prior to the court claim being raised for copies of said bills for said utilities covered by the agreement, the claimant failed to send any clear bills. This included a CPR 31.14 on xx/xx/xxxx sent via post. 5.       The defendants stress that they acted in good faith to settle the outstanding balance, as evidenced by the confirmation received from the claimant.  Any subsequent demands for additional payments are unwarranted and contradict the claimant's previous acknowledgment of settlement. 6.       Pursuant to OFGEM code of back billing rules the alleged charges relate to charges which have not been billed correctly by Co-operative Energy and are therefore prevented from charging. 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. 7.As per Civil Procedure Rule 16.5 (4) it is expected that the Claimant prove the allegation                  that the money is owed. 8.It is therefore denied that the defendant is indebted to the claimant as alleged or at all.
  • Recommended Topics

  • Our picks

    • If you are buying a used car – you need to read this survival guide.
      • 1 reply
    • Hello,

      On 15/1/24 booked appointment with Big Motoring World (BMW) to view a mini on 17/1/24 at 8pm at their Enfield dealership.  

      Car was dirty and test drive was two circuits of roundabout on entry to the showroom.  Was p/x my car and rushed by sales exec and a manager into buying the mini and a 3yr warranty that night, sale all wrapped up by 10pm.  They strongly advised me taking warranty out on car that age (2017) and confirmed it was honoured at over 500 UK registered garages.

      The next day, 18/1/24 noticed amber engine warning light on dashboard , immediately phoned BMW aftercare team to ask for it to be investigated asap at nearest garage to me. After 15 mins on hold was told only their 5 service centres across the UK can deal with car issues with earliest date for inspection in March ! Said I’m not happy with that given what sales team advised or driving car. Told an amber warning light only advisory so to drive with caution and call back when light goes red.

      I’m not happy to do this, drive the car or with the after care experience (a sign of further stresses to come) so want a refund and to return the car asap.

      Please can you advise what I need to do today to get this done. 
       

      Many thanks 
      • 81 replies
    • Housing Association property flooding. https://www.consumeractiongroup.co.uk/topic/438641-housing-association-property-flooding/&do=findComment&comment=5124299
      • 161 replies
    • 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.
      We will be recommending that people do include this adverse judgement in their bundle so that when they go to county court the judge will see both sides and see the arguments against this adverse judgement.
      Also, we will be to demonstrate to the judge that we are fair-minded and that we don't mind bringing everything to the attention of the judge even if it is against our own interests.
      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
        • Like
  • Recommended Topics

Lowells Claimform - old Doorstep Provi loan - Submitting defence on the last day


style="text-align: center;">  

Thread Locked

because no one has posted on it for the last 2411 days.

If you need to add something to this thread then

 

Please click the "Report " link

 

at the bottom of one of the posts.

 

If you want to post a new story then

Please

Start your own new thread

That way you will attract more attention to your story and get more visitors and more help 

 

Thanks

Recommended Posts

Update:

I received a letter from Lowell over a month ago stating that they are waiting for the signed credit agreement to come through from Provident.

I have not heard from them since.

 

 

I have also received a form from the the county court which is titled

'Notice of Proposed Allocation to the Small Claims Track' which I believe is an N180 form.

So should I agree to the case being referred to the small claims mediation service?

 

One of the questions which requires a yes or no answer states

"I can confirm that I have enough information about the claim, to allow me to enter in to negotiations"

 

Since I have not been sent the signed credit agreement should that mean that I do not have enough information about the claim to enter negotiations?

 

Thanks

Link to post
Share on other sites

for the minute you agree to mediation.

the rest is obv

one witness you

 

 

one copy to the court

one to lowells sols

unsigned without email/phone.

 

 

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... 

Link to post
Share on other sites

under mediation you are expect to willingly be seem to co-operate

you continue to answer yes to the paperwork question giving them time to produce it

eventually you'll get poss an email ans yes again]

then a phone call from mediation service wanting to sent a date

its THEN that you state NO, the claimant has failed to provide any paperwork

mediation will fail.

 

 

you need to read a few threads to get upto speed upon processes

 

 

as far as you list of read threads go, only 2 relevant ones have been viewed here

unless you are doing it when not logged in...

 

 

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... 

Link to post
Share on other sites

I see, thanks. The first thing I did was look at other threads. I only log in when posting to this thread. I guess I didn't look hard enough. So many places to look, so little time.

Link to post
Share on other sites

  • 2 months later...

So it has been a while but I have finally heard back from Lowell. They have sent me...

 

* a copy of the original signed agreement

* a copy of a letter showing they have been assigned the debt

* an excel sheet showing payments

 

They have not sent me a copy of any default notices though.

 

I am not sure what to do from here to be honest. Court date is set for the end of next month

Link to post
Share on other sites

scan it up to one multipage pdf please

click upload

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

  • 2 weeks later...

They state that here would be no need for a default notice on a fixed term loan because the term had ended...but then refers to you having arrears ?

 

That being the case then they would have to give you notice of Sums in Arrears ?

 

Andy

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

If you want advice on your Topic please PM me a link to your thread

Link to post
Share on other sites

If the term had expired no...depends when the arrears happened ?

 

No two different entities.

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

If you want advice on your Topic please PM me a link to your thread

Link to post
Share on other sites

The agreement started June 2011 and was set to finish June 2012.

Looking at the repayment sheet it must of gone into arrears December 2011.

 

I read that a default notice must be issued before a debt is sold.

Would that not apply in this case?

Link to post
Share on other sites

The agreement started June 2011 and was set to finish June 2012.

Looking at the repayment sheet it must of gone into arrears December 2011.

 

Then there would be need for a default notice to be issued

 

I read that a default notice must be issued before a debt is sold.

Would that not apply in this case? Not true but debts are usually assigned if there is a default or the agreement has broken down

 

Andy

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

If you want advice on your Topic please PM me a link to your thread

Link to post
Share on other sites

So with this being on the small claims track, is it true what Lowell are saying in regards to not needing a default notice?

What is time period in which a creditor MUST send a default notice?

 

Also, with it being small claims, would that mean they do not have to comply with the 7 day deadline to produce the signed agreement, default notice etc...

 

It actually took them over 4 months. They sent it on the very last day before the case was about to be struck out. It is like they were waiting until the very last moment for some reason which seems odd. Anyway, looking at other threads a defendant usually gets something like 28 days from when they received the CCA to respond to the claimant before they take further action but in my case I got the CCA 1 day after the claim was supposed to be struck out.

 

So there was no time to respond before they paid the trial fee etc.. as they had already done that before I got the CCA.

Edited by angelino
Link to post
Share on other sites

So with this being on the small claims track, is it true what Lowell are saying in regards to not needing a default notice?

 

No nothing to do with Small Claims Track

 

What is time period in which a creditor MUST send a default notice?

 

Normally within 3 missed payments can vary up to 6 subject to the ICO guidlines

 

Also, with it being small claims, would that mean they do not have to comply with the 7 day deadline to produce the signed agreement, default notice etc...

 

No...disclosure applies to all tracks but disclosure comes later after allocation not before a defence

 

It actually took them over 4 months. They sent it on the very last day before the case was about to be struck out. It is like they were waiting until the very last moment for some reason which seems odd. Anyway, looking at other threads a defendant usually gets something like 28 days from when they received the CCA to respond to the claimant before they take further action but in my case I got the CCA 1 day after the claim was supposed to be struck out.

 

A creditor gets 12 +2 days to comply with a CCA request...irrespective of a court claim or not

 

So there was no time to respond before they paid the trial fee etc.. as they had already done that before I got the CCA.

 

I think you need to read up on the process angelino as you seem to be very confused on the process

Andy

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

If you want advice on your Topic please PM me a link to your thread

Link to post
Share on other sites

CPR 31.14 is a civil request..its not mandatory that they comply...and it does apply as the claim is trackless until allocated.The CCA request is a different matter..thats a legal request and unless they are able to comply they are prevented from enforcing the agreement without a court order.

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

If you want advice on your Topic please PM me a link to your thread

Link to post
Share on other sites

  • 2 weeks later...

Yes

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

If you read section 77 of the CCA1974 it explains all the duties the creditor must comply with to legally satisfy your request.

 

http://www.legislation.gov.uk/ukpga/1974/39/section/77

 

https://www.handbook.fca.org.uk/handbook/CONC/13.pdf

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

If you want advice on your Topic please PM me a link to your thread

Link to post
Share on other sites

  • Recently Browsing   0 Caggers

    • No registered users viewing this page.

  • Have we helped you ...?


×
×
  • Create New...