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    • Guys just to let you know. Chasing these claims is more out of the principle for me. Truly value the help CAG give and provide. Admire the reassurance and advice you give, especially to those in desperate need. Will be looking to donate a significant portion of the final claim. 
    • well I'm afraid that you have missed the main principle which is why should you pay more in order to insure them against their own breach of contract?    This is the confidence trick which all courier companies seem to be practicing against their innocent customers and it's been going on for years.   Follow the link to the piece on extended warranties and you will understand more about how you've been conned into giving up some of the value of your own property because they have breached their contract towards you and lost the item. It is Hermes who should be insuring against their own negligence and their own contractual breaches.   Hermes should not be relying on their customers to protect them against their own contractual breaches. That is the principle that you should be be attempting to defend and unfortunately you appear to have surrendered it.  
    • great stuff. i will continue to lurk and help with any currys pcw related items i can. bare in mind i no longer work for the company any things may change in the future as far as processes.   id personally never buy anything samsung after having had to call their useless customer service for the past few years. they dont deserve your money
    • Hi,    Not sure if I have the right place but a lot of questions seemed to be answered really well so I will try and tap the available knowledge.   I am a student mental health nurse in my second year and have run into a problem regarding my licence.   At the start of June I had a bipolar episode that finished, declared by my psychiatrist on Oct 6th.   I am fine with this (as you can be) as it has happened every 5 years for the past 20 years.   The time previous to this I took my car off the road and did not inform the DVLA and then when my psychiatrist "indicated" it was ok I drove.   This time because I wanted to do it right because I am trying to "do it right" I contacted the DVLA and just wow.   They told me the date was to be the 29th November to start my 3-month ban and that I was to send back my licence and re-apply after those 3 months.   Can I ask a question or two about this information???   Why did they start my 3-months on the 29th Nov when my doctor told me I was completely fine on the 6th Oct - It has added a huge amount of time onto my ban (7 weeks approx).   Is there anything I can do about this? It's like they picked a future random date out of the air(29th Nov).    Can I get them to go with my doctor's 6th Oct if I ring up and tell them this is the date she chose (she chose to declare me ill on one day, why do they ignore the date I was well?)   Should I ring them up and if so, what should I say?   Also on the re-application papers sent out there is a section that says:                                                    "where there has been a history of frequent relapses a longer period of stability will be required..."   Honestly, this terrifies me. What is the time they count as "frequent relapses?"   Is it every 2 or 3 years, or 5?    If it is 5 years and  I fall under that banner say, what are they going to say to me? A 6 month absence?  A year?   It's pretty scary stuff to be honest.   If you can reply, can you be sure to give me the correct info if you can.   I thank you for your time in advance,   All the best, ste.
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Cait116

Lowell Claimform - 4 merged debts - 3 cat + Cap1 Card

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Well AFAIK they can't do this, as each account has it's own separate T&C's with different interest rates and penalty clauses etc etc etc.

 

So they're on to a loser straight away.

have they indicated a reference number at all regarding the new agreement (consolidated figure)?


Who ever heard of someone getting a job at the Jobcentre? The unemployed are sent there as penance for their sins, not to help them find work!

 

 

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So they have provided you with a new reference number?

 

And does the total figure they are demanding reflect the total amount outstanding if you add up all of the accounts together?


Who ever heard of someone getting a job at the Jobcentre? The unemployed are sent there as penance for their sins, not to help them find work!

 

 

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Yes they do although I think 2 of the accounts have wrong balances anyway

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Hmm, this isn't their own reference number is it?

 

Can you scan and post up the documents they sent you?


Who ever heard of someone getting a job at the Jobcentre? The unemployed are sent there as penance for their sins, not to help them find work!

 

 

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Don’t have access to scanner until tomorrow morning Bazooka, I will upload everything in the morning. Thanks so much x

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can I just check this is not a letter of claim from Lowell solicitors?

if not ignore them.

 

dx

 


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morning Bazooka & dx100uk

 

I have attached the letter and the 4 credit agreements.  Do you mind having a look for me and advise?

 

Thanks so much guys for your help 

 

 

 

CCA_returns.pdf

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Hi guys,

received Claim Form, response pack, Admission Form from Northampton for Lowlife re cap 1, shop direct & jd williams today.

Dated 19th nov and have 14 days to reply.  

 

I guess I complete the acknowledgement of service and the defence and counterclaim form only?

Is that right?

 

I’m going to check through previous posts and cases to help with filling out the defence part.

Wish me luck 😬 thx for your help xx

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please complete this:

 


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

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Thanks dx, will do this tomorrow morning when I have access to a pc (find it easier and quicker than my mobile).

 

Just having a good old read through similar threads atm.

Wow some of this jargon is hard to take in 😳.  

Thank you for your support x

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Name of the Claimant  - Lowell Portfolio Ltd

 

Date of issue –   19th November 2019

 

Date to submit defence  - 20th December 2019

 

Particulars of Claim

 

What is the claim for – 

 

Capital One (Europe) plc with reference xxxxxxxxxxxxxxxxxxxx and currant balance of £274

J D Williams & Co Ltd with reference xxxxxxxxxxxxxxxx and current balance of £375

Shop Direct Financial Services with reference xxxxxxxxxxxxxxx and current balance of £1129

Shop Direct Financial Services with reference xxxxxxxxxxxxxxx and current balance of £1490

 

The agreements were terminated as payments were not maintained and subsequently assigned to the Claimant

 

And the Claimant claims:

a) The total ot the said sums being £3268

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 £256

c) Costs

 

What is the total value of the claim? £3,268

 

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, I received lots of threatening letters but not sure  

 

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? Credit card and catalogues

 

When did you enter into the original agreement before or after April 2007 ? Not sure

 

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 - 3 defaults on credit file under Lowell's name

 

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. - assigned to Lowells

 

Were you aware the account had been assigned – did you receive a Notice of Assignment? Not sure

 

Did you receive a Default Notice from the original creditor? No

 

Have you been receiving statutory notices headed “Notice of Sums in Arrears”  or " Notice of Arrears "– at least once a year ? Not sure

 

Why did you cease payments? Financial Difficulties

 

What was the date of your last payment? Around mid 2018

 

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

 

………...

 

Hi dx, 

I don't think I have a defence! 🙄 

Don't want to end up having to pay a shed load of court costs on top of what i already owe.

 

What would your advice be? 

 

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please note your corrected defence filing date.

 

i will guess that certainly the 2 SD agreements in the CCA return dont have any ahreement number that matches the ones in their POC?

and poss the JDW one is the same?

 

those agreements can all be downloaded from the interweb or here even and have your details inserted into them.


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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

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in the meantime:

 

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 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]
 


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

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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

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MCOL done just now, going to send CPR request next.  Thanks dx x

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Hi all, in the CPR template it says

Please treat this letter as my request made under CPR 31.14 ........................................ each of the documents mentioned in your Particulars of Claim.

It gives a list of docs - the agreement, notice of assignment etc then underneath

*delete if not mentioned in the Particulars of claim

 

I don't see any of these documents listed on the Particulars of Claim on my claim form but surely I should ask for some of these documents?

 

Sorry if it's a stupid question, been on here searching the forums for a couple hours the answer but haven't got anywhere (god i know i shouldn't have started this lol)

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Capital One (Europe) plc with reference xxxxxxxxxxxxxxxxxxxx and currant balance of £274

J D Williams & Co Ltd with reference xxxxxxxxxxxxxxxx and current balance of £375

Shop Direct Financial Services with reference xxxxxxxxxxxxxxx and current balance of £1129

Shop Direct Financial Services with reference xxxxxxxxxxxxxxx and current balance of £1490

 

The agreements were terminated as payments were not maintained and subsequently assigned to the Claimant

 

4 agreements referred to above

Agreements were " terminated"  therefore that requires 4 default notices

 " subsequently assigned " ....Thats 4  Notices of Assignment.

 

Andy


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Hi guys

 

I've had someone with a bit of legal experience look at my paperwork at the weekend. 

They seem to think that lowlife's copies of agreements will hold up in court, mainly because they were online applications? 

Is this right?

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Yes thats fine...I have had to unapprove the post as your name is showing in properties of the word doc...

 

Regards

 

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 OTHERS

 

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

 

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

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Sorry Andy!  Thank you :-) x

 

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ask your learned gentleman these questions.

 

the SD agreements & T+C's:

 

No relevant account numbers that correspond to the quoted ones in their POC on the agreements

No indication that these WERE an online sign up, there is no indication of IP address used/website/or any steps of customer verification. 

T&C's are the same.

 

if one were to look here on CAG or a search engine or in the DCA's own filing cabinet you'll find these exact same docs - pers details can have easily have been inserted using any photo manipulation software.

 

JDW: 

 

same as above, but its also interesting to note there is a cut off section, why would a customer bother to sign and return but not cut off the rest and retain?

there are no T&C's ...and the agreement is devoid of all the required prescribed terms

 

cap1:

same applies no proof of it being done online etc etc

 


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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