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    • ok looks like that's what you need to do. but keep it bare bones for now as post 5  
    • stuff and all if there no signed agreement in the return   dx  
    • 1st again why do you keep changing things before you send them   you've added counterclaim in to our std CPR 31:14 you sent? why? this opens you up to additional costs and I hope you didnt tick counterclaim when you did AOS on mcol too?   also I notice you've  played with our std OD defence above too...   pers I would refrain from continuing to change things as they are written in the frain they are for specific reasons.   your defence is due by 4pm Monday [day 33]   here are 2 versions you will ofcourse need to adapt them to lowells para no's and remove the NOA stuff as your docs show Lowell have complied with those. but don't forget to mention other documents provided to date notably statements contain no proof they came from Lloyds but rather Lowells own internal data system    dx   1. It is admitted with regards to the Defendant entering into an Agreement referred to in the Particulars of Claim ('the Agreement') with the [insert original creditor] . .  2. The defendant denies that the account exceeded the agreed overdraft limit due to overdrawing of funds but is as a result of unfair and extortionate bank charges/penalties being applied to the account. .  3. I refute the claimants claim is owed or payable. The amount claimed is comprised of amongst others default penalties/charges levied on the account for alleged late, missed or over limit payments. The court will be aware that these charge types and the recoverability thereof have been judicially declared to be susceptible to assessments of fairness under the Unfair Terms in Consumer Contracts Regulations 1999 The Office of Fair Trading v Abbey National PLC and others (2009). I will contend at trial that such charges are unfair in their entirety. .  4. 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 and Section 82A of the consumer crediticon Act 1974. The Claimant has yet to provide a copy of the Notice of Assignment its claim relies upon. .  5. The claimant is denied from added section 69 interest within the total claimed that as yet to be decided at the courts discretion. .  6. As per Civil Procedure Rule 16.5(4), it is expected that the Claimant prove the allegation that the money is owed. .  The claimant is also put to strict proof to:-. .  (a) Provide a copy agreement/facility arrangement along with the Terms and conditions at inception, that this claim is based on.  (b) Provide a copy of the Notice served under 76(1) and 98(1) of the CCA1974 Demand /Recall Notice and Notice of Assignment.  (c) Provide a breakdown of their excessive charging/fees levied to the account with justification.  (d) Show how the Claimant has reached the amount claimed.  (e) Show how the Claimant has the legal right, either under statute or equity to issue a claim.  (f) Show how they have complied with sections III & IV of Practice Direction - Pre-action Conduct. .  7. On receipt of this claim I requested documentation by way of a CPR 31.14 request dated [xxxxxxx] namely the Agreement and Termination Demand Notice referred to in the claimants Particulars of Claim. The Claimant has failed to comply with this request. .  By reason of the facts and matters set out above, it is denied that the Claimant is entitled to the relief claimed or any relief. .  .............. or  Particulars of Claim  1.The claim is for the sum of 2470.56 in respect of monies owing pursuant to an overdraft facility under account number XXXXXX XXXXXXXXXX.  2.The debt was legally assigned by Santander UK Plc to the claimant and notice has been served.   3.The Defendant has failed to repay overdrawn sums owing under the terms and conditions of the bank account.   The Claimant claims:  The sum of 2470.56 Interest pursuant to s69 of the county courticon Act 1984 at a rate of 8.00 percent from the 7/04/2015 to the date hereof 14 days is the sum of 7.58Daily interest at the rate of .54  Costs Defence  The Defendant contends that the particulars of the 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.   1. It is admitted with regards to the Defendant once having had banking facilities with the original creditor Santander Bank. It is denied that I am indebted for any alleged balance claimed.   2. Paragraph 2 is denied.I am not aware or ever receiving any Notice of Assignment pursuant to the Law and Property Act 1925. 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 and Section 82A of the consumer crediticon Act 1974. The Claimant has yet to provide a copy of the Notice of Assignment its claim relies upon.   3. Paragraph 3 is denied. The Original Creditor has never served notice pursuant to 76(1) and 98(1) of the CCA1974  Any alleged amount claimed could only consist in the main of default penalties/charges levied on the account for alleged late, rejected or over limit payments. The court will be aware that these charge types and the recoverability thereof have been judicially declared to be susceptible to assessments of fairness under the Unfair Terms in Consumer Contracts Regulations 1999 The Office of Fair Trading v Abbeyicon National PLC and others (2009). I will contend at trial that such charges are unfair in their entirety.  4. As per Civil Procedureicon Rule 16.5(4), it is expected that the Claimant prove the allegation that the money is owed.  The claimant is also put to strict proof to:-.  (a) Provide a copy agreement/overdraft facility arrangement along with the Terms and conditions at inception that this claim is based on.  (b) Provide a copy of the Notice served under 76(1) and 98(1) of the CCA1974 Demand /Recall Notice and Notice of Assignment.  (c) Provide a breakdown of all excessive charging/fees and show how the Claimant has reached the amount claimed.   (d) Show how the Claimant has the legal right, either under statute or equity to issue a claim.  (e) Show how they have complied with sections III & IV of Practice Direction - Pre-action Conduct.  5. On receipt of this claim I requested documentation by way of a CPR 31.14 request dated April 2015 namely the Agreement and Termination Demand Notice referred to in the claimants Particulars of Claim. The Claimant has failed to comply with this request.   By reason of the facts and matters set out above, it is denied that the Claimant is entitled to the relief claimed or any relief.  Regards  Andy    
    • Hi   Just read your thread and looked at the Docs posted in your PDF.   1. from AST to rent a Car Parking space you need to have signed a Car Parking Agreement for a Space and for visitors you should have asked permission for another space in advance with a fee to pay. (i also assume renting a parking space would be at a cost)   2. You have no signed Car Parking Agreement nor visitor space agreement.   Did you not fully read that AST before you signed it and pick up what is stated about parking and ask them about this Car Parking Agreement and if you need one to park in the car park?   You could formally complain to them about what was verbally said to you but unless you have evidence of this it may be hard to prove.   You should also contact them and ask how you go about renting a Car Parking space/costs and about the Car Parking Agreement also what the process is for a visitor car parking space/costs.   You need to be aware that they could class you and your visitor as illegally parking in there car park without consent nor a signed car parking agreement which they could use as a Breach of your Tenancy Agreement so you need to be careful in how you are approaching this and where you are parking.   Just for info on checking Manchester Life website they have numerous buildings/apartments/car parks but you may be in a building where some of the apartments are leasehold and as part of there leasehold they may have purchased a car parking space in that building. (so how do you know you are not parking in a space that someone in the building has legally purchased?)
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Trish Costello

Lowell claimforn - old Aqua credit card debt

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Hello, my first post so please bear with me.

 

I owe a debt to Aqua Credit Card. Due to mental health and physical disabilities I got in to trouble and didn't pay it. It was sold on to Lowell Portfolio who have now taken me to court at Northampton.

 

 

After reading advice I sent a CCA request and a CPPR 31.14. Along with an acknowledgment to defend on 21/05/18. On 18/06/18 I received a letter telling me that this was going to the small claims track. With that I received a questionnaire about mediation.

 

I have been away 2 weeks, while attending a family funeral and received letters to mediate. As I had not responded, I now have a letter Notice Of transfer of Proceedings.

 

I really do not know what to do now, or what this means. I suffer severe depression and fibromyalgia, the worry is now making my conditions worse.

 

Please can someone advise me what I need to do now.

 

Thank you

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Moved to legals and retitled

 

Please complete this

https://www.consumeractiongroup.co.uk/forum/showthread.php?419198-You-have-received-a-Claim-What-you-need-to-do.-**UPDATED-2018**(1-Viewing)-nbsp

 

Can you please post up the defence you filed too


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please do not post jpg images directly to a topic..USE PDF ....READ UPLOAD.

 

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Thank you. The defence was one my friend copied from one of the sites, it was along the lines of, I didn't have a contract with Lowell. In truth I didn't understand a lot of this.

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Name of the Claimant ?

 

Lowell Portfolio Ltd

 

Date of issue – 14/05/18

 

Particulars of Claim

 

1) The Defendant opened a aqua regulated consumer credit account under reference ..... on 12/03/2015. (the Agreement)

2) In breach of the agreement , the Defendant failed to maintain the required payments and the agreement was terminated.

3) the agreement was later assigned to the Claimant on 28/02/2017 and written notice given to the Defendant.

4)Despite repeated t=requests for payment, the sum of 1,489.24 remains due and outstanding.And Claimant claims a0 the said sum of 1,489.24

b)Interest pursuant to s69 Count courts act 1984 at the rate of 8% per annum from the date of assignment to the date of issue, accruing at a daily rate of 0.326,but limited to one year, being 119.14.

c)Costs

 

Have you received prior notice of a claim being issued pursuant to paragraph 3 of the PAPDC (Pre Action Protocol) ?

 

I don't know

 

What is the total value of the claim?

 

1793.38 pounds

 

Is the claim for - a Bank Account (Overdraft) or credit card or loan or catalogue or mobile phone account?

 

A Credit Card Aqua

 

When did you enter into the original agreement before or after April 2007 ?

 

After

 

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.

 

A debt purchaser

 

Were you aware the account had been assigned – did you receive a Notice of Assignment?

 

yes

 

Did you receive a Default Notice from the original creditor?

 

Yes

 

Have you been receiving statutory notices headed “Notice of Default sums” – at least once a year ?

 

Yes

 

Why did you cease payments?

 

Due to illness I could no longer keep up the payments. Depression, Anxiety,Fibromyalgia, back and hip impingement

.

What was the date of your last payment?

 

I don't know

 

Was there a dispute with the original creditor that remains unresolved?

 

No

 

Did you communicate any financial problems to the original creditor and make any attempt to enter into a debt management plan?

 

No

Edited by dx100uk
Removed a/c number

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With regards to the question above..

 

Have you received prior notice of a claim being issued pursuant to paragraph 3 of the PAPDC (Pre Action Protocol)

 

Read here...

 

https://www.consumeractiongroup.co.uk/forum/showthread.php?481827-The-Pre-Action-Protocol-for-Debt-Claims-is-made-by-the-Master-of-the-Rolls-as-Head-of-Civil-Justice.-1st-Oct-2017

 

 

Andy


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Need to see the defence please verbatum

Post it up


PLEASE DONT HIT QUOTE IF THE LAST POST IS THE ONE YOU ARE REPLYING TOO.

MAKES A THREAD TWICE AS LONG TO SCROLL THROUGH!

please do not post jpg images directly to a topic..USE PDF ....READ UPLOAD.

 

WE CAN'T GIVE ADVICE BY PM - IF YOU SEND ME A LINK TO YOUR THREAD - I WILL BE HAPPY TO OFFER HELP THERE

Single Premium PPI Q&A Read Here

Reclaim mis-sold PPI Read Here

Reclaim Bank Account, Loan & Credit Card Charges Read Here

The CAG Interest Tutorial Read Here

spreadsheets 

 

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Im sorry I don't understand a lot of this. I think this was the defence she sent for me.

 

 

 

CLAIM NO: XXXXXXXX

In the Northampton County Court

 

Lowell Portfolio

Claimant -AND-

Trish Costello

Defendant

 

CASE SUMMARY

 

1. I am the Defendant in this case.

 

2. On 21/05/2018 I wrote to the Claimant requesting Verification of the alleged debt and of their alleged assignment.

 

3. I returned the Acknowledgement of Service on 21/05/2018

 

4. The Defendant sent out a CPR31.14 request letter on 21/05/2018, asking for the following documents to be produce in court:

 

1. Agreement / Contract

2. Default Notice

3. Assignment

4. Formal Demand

 

5. I have received an acknowledgement of my CPR31.14,nor does it appear any of the requested documents have been forthcoming. Only evidence received was Newday sold an account to Lowell on 28/02/2017. There is no Agreement/contract.

 

6. The Claimant contends that: I owe them 1793.38, from a defaulted account with Aqua. However the evidence sent to me was from Newday.

7. On 06/06/2018 I received a copy of the Directions Questionnaire from Lowell Solicitors

 

X. The Defendant rebuts all the above in that

Lowells cannot provide a Contract or Agreement therefore it is unenforceable , as such no claim should have been made. respectfully request the Claimant's claim be Struck Out with prejudice if the agreement is unenforceable due to a lack of an agreement or evidence. to Statement of Truth I believe the facts stated within this Case Summary to be true comprising of xx pages.

 

Dated this day 06/06 of year 2018.

Edited by Andyorch
Claim number removed

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Have you received prior notice of a claim being issued pursuant to paragraph 3 of the PAPDC (Pre Action Protocol)

 

I don't think so

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7. On 06/06/2018 I received a copy of the Directions Questionnaire from Lowell Solicitors .

You dont receive a DQ until after you have submitted a defence :???:

 

Is the above not your Witness Statement ?

 

Andy


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I assume you submitted your directions questionnaire...

 

" On 18/06/18 I received a letter telling me that this was going to the small claims track. With that I received a questionnaire about Mediation. "


We could do with some help from you.

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 Have we helped you ...?         Please Donate button to the Consumer Action Group

 

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6. The Claimant contends that: I owe them 1793.38, from a defaulted account with Aqua. However the evidence sent to me was from Newday.

 

Just in case you weren't aware, Aqua is the brand - credit is provided by NewDay Ltd.

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