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    • deed?  you mean consent order you and her signed? concluding the case as long as you nor she break it's conditions signed upto? dx  
    • Well tbh that’s good news and something she can find out for herself.  She has no intention of peace.  I’m going to ask the thread stays open a little longer.   It seems she had not learned that I am just not the one!!!!  plus I have received new medical info from my vet today.   To remain within agreement, I need to generally ask for advice re:  If new medical information for the pup became apparent now - post agreement signing, that added proof a second genetic disease (tested for in those initial tests in the first case but relayed incorrectly to me then ), does it give me grounds for asking a court to unseal the deed so I can pursue this new info….. if she persists in being a pain ? If generally speaking, a first case was a cardiac issue that can be argued as both genetic and congenital until a genetic test is done and then a second absolute genetic only disease was then discovered, is that deemed a new case or grounds for unsealing? Make sense ?   This disease is only ever genetic!!!!   Rather more damning and indisputable proof of genetic disease breeding with no screening yk prevent.   The vet report showing this was uploaded in the original N1 pack.   Somehow rekeyed as normal when I was called with the results.   A vet visit today shows they were not normal and every symptom he has had reported in all reports uploaded from day one are related to the disease. 
    • Hi Roberto, Read some of the other threads here about S Sixes - they all follow the same routine of threats, threats, then nothing. When you do this, you'll see how many have been in exactly the same situation as you are. Keep us updated as necessary .............
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    • unrelated to the agreement then, could have come from Lowells filing cabinet (who lowells - they dont do that - oh yes they do!! just look at a few lowell paypal EU court claim threads) no name and address for time of take out either which they MUST contain. just like the rest of the agreement then..utter bogroll that proves nothing toward you ... slippery lowells as usual it's only a case management discussion on 26 April 2024 at 10:00am by WebEx. thats good simply refer to the responses you made on your 4a form response only. pleanty of SPC thread here to read before the 26th i suggest you read at least one a day. dx  
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Lowell PAP letter now claimform - old JDW CAT debt *** Claim Discontinued***


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because no one has posted on it for the last 1325 days.

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at the bottom of one of the posts.

 

If you want to post a new story then

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its a PAP letter and you must respond

when was your last payment?

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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new thread created

 

when did you take this cat debt out?

have they had a CCA request off of you yet?

 

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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Cat debt is really old, really can't remember probs 2006 or something like that

 

CCA requests were sent, standard reply was sent back but never received the CCA 

On 07/06/2019 at 18:01, dx100uk said:

its a PAP letter and you must respond

when was your last payment?

 

 

PAP thread fully read. Will fill out the online form and send that back

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when was the last CCA sent 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

I dispute this debt because...the debt buyer has previously failed a CCA request in 2017 and..[whats there already].

]send a new CCA request too]

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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  • 5 months later...

 

 

Please complete the above

 

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

date of claim 14th November (2019)

 

What is the claim for – the reason they have issued the claim? 

 

1) The claim comprises the following agreement the defendant entered into:

a. JD Williams & Co with reverence 1234567 and current balance of £559.77

The agreement was terminated as payments were not maintained and subsequently assigned to the claimant.

And the claimant claims:

a) The said sum of £559.77

b) Interest pursuant to #

s69 County Courts Act 1984 at the rate of 8% per annum from the date of assignment to the date of issue, but limited to one year, being £44.ui

c) Costs

 

What is the total value of the claim?£735

 

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

 

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 ?Before

 

Do you recall how you entered into the agreement...On line /In branch/By post ?I think by post

 

Is the debt showing on your credit reference files (Experian/ Equifax /Etc...) ?No

 

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 - Lowell

 

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 Sums in Arrears”  or " Notice of Arrears "– at least once a year ?Yes

 

Why did you cease payments?Couldn’t afford the interest 

 

What was the date of your last payment?Over two years ago to the DCA

 

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?yes

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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
 note the long gateway number given
 then log in
.
 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
 click thru to the end
 confirm and exit MCOL.
.
.
 get a CCA Request running to the claimant
https://www.consumeractiongroup.co.uk/topic/332502-cca-request-consumer-credit-act-1974-updated-january-2015/
 leave the £1PO blank and uncrossed
.
.
 get a CPR 31:14 request running to the solicitors [if one is not listed send to the claimant]
.
.

https://www.consumeractiongroup.co.uk/topic/332546-legal-cpr-3114-request-request-for-information-when-a-claim-has-been-issued/
.
.
type your name ONLY

no need to sign anything
.
you DO NOT await the return of paperwork.
you MUST file a defence regardless by day 33 from the date on the claimform [1 in the count]
 

…………..

 

yes I know thats 3 CCA requests sent but by golly will it make them squirm if they don't reply this time in your defence 

 

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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looks like a copy of what would have been sent out and you name etc have been inserted by someone.

and if you did do that

why did you not sign both and cut and keep the 'customer copy'..weird

 

someone's committing fraud or document manipulation here

though you do say you do remember doing it by post earlier?

 

is that all they 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

To be totally honest - I've no idea. But absolutely more than likely I would've applied for an account online

 

Their brochures/ catalogues/ leaflets is I was sent by post

 

In regards to possible document manipulation, I thought so too. I see now why nothing sent to them should be signed or handwritten

 

What's the next steps now? Thanks 

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well regardless you do not miss your defence filing date.

 

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

Dont you mean acknowledge d service AOS?

 

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

Oh! I think I’ve just realised my error! So I acknowledged the claim online, but now actually have to submit the defence and form back to the court??

 

I'm in a real panic now. I stupidly didn't read the whole thing properly now I'm worried I'm late to submit my defence to the court!

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no, read post 15 again or the original link to answer the questionnaire we requested you do.

 

you don't use the forms either , they are purely for ref

you use MCOL which is why you registered there in the 1st place

 

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

On 17/11/2019 at 22:21, dx100uk said:

you MUST file a defence regardless by day 33 from the date on the claimform [1 in the count]

 

okay, re-read and read again. I filed the the aos so when is the stage of defence?

 

I've seen a few posts on other threads of a defence response to CPR r 16.5

 

My other concern is that I'm flying out on Friday the 29th for 2wks with very limited access to the internet. Wondering what could potentially come up that'll require action within that timeframe

 

Thanks

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by Day 33 ...its plain enough...

 

We need to review things before you file anything

Havent had time to check all the uploads

but i dont think they have provided a default notice for each debt yet?

you did list each DN in the cpr request??

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

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