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    • Slight Update - All payments should be made by the end of this week. However the Customer Service Team are unable to say how much is due as they "Dont have access to say"  Payments should be made by BACS to your Bank Account.    Please keep an eye out. 
    • Actually just calculated it again its just under 6 months by 11 days 
    • and the hard Brexiters wont accept anything but a complete break ... despite their apparent stance on US deal rule taking. ;-/  
    • Johnson is playing a pretty good game while the corbynistas continue to prove they are anything but with their  'more democratic party' where rules are changed when the Corbynistas break them, and they try to ensure that even if they lose, there people are in permanent positions when the hard working troops lose their jobs.   Corbyn allies ‘line up top jobs before new Labour leader is elected’ https://www.theguardian.com/politics/2020/jan/26/corbyn-allies-line-up-top-jobs-before-new-leader-elected     Rebecca Long-Bailey broke Labour leadership rules but was cleared by Corbyn allies https://www.independent.co.uk/news/uk/politics/rebecca-long-bailey-labour-leadership-rules-broken-corbyn-election-latest-a9300891.html         While Johnson consolidates his wins from Labour   https://www.theguardian.com/uk-news/2020/jan/26/northern-rail-to-be-renationalised-and-some-beeching-closures-reversed   " Blyth Valley, a former Labour stronghold in the north-east that turned Conservative in the election and presaged the collapse of the “red wall”, is likely to be among the first places to benefit from the reopening of passenger services. "
    • “Variola may have been introduced to humans through such a cross-species transfer” “It is closest in DNA sequence to camelpox virus, which causes smallpox-like disease in camels; both viruses are apparently descended from a recent common ancestor.” https://academic.oup.com/cid/article/38/6/882/321153   To re-read. Frankly anyone who thinks the WHO, CDC and UK Gov recommendation of 14 days is anything other than a sensible minimum, is a dangerous idiot IMO, particularly given the apparent extremely fast mutation rate being reported ...  and ability to jump species         Mutation of Smallpox **********************   "Clinical descriptions indicate that smallpox always had a high case-fatality rate until around the end of the 19th Century, when a more benign form of the disease, with a similar rash but much lower mortality rate, appeared in the Western Hemisphere. Less lethal types of smallpox were also noted in Africa, where they may have existed for some time [5]. These milder variants are now designated “variola minor,” in contrast to the traditional “variola major.” The genetic changes responsible for attenuation have not been identified. https://academic.oup.com/cid/article/38/6/882/321153   Interestingly cowpox was used as a relatively effective ‘vaccine’ against smallpox, and monkeypox seems to be ‘expanding’ to fill the nasty nitch that smallpox existed in. Note That although smallpox and monkeypox are often talked about in the same breath, and are often considered closely related, despite monkeypox, camelpox and Cowpox vaccines’ effectiveness against smallpox and each other, the genetics of smallpox and monkeypox have been examined and they are not believed to be actually genetically ‘related’. https://www.who.int/news-room/fact-sheets/detail/monkeypox   … On the other hand Camelpox and Smallpox on more recent examination are believed to be VERY closely related: “Variola may have been introduced to humans through such a cross-species transfer” (like Coronavirus) It (smallpox) is closest in DNA sequence to camelpox virus, which causes smallpox-like disease in camels; ***** both viruses are apparently descended from a recent common ancestor.” "The appearance of variola minor may represent a stage in variola's adaptation to its human host." https://academic.oup.com/cid/article/38/6/882/321153       Possible sources of fresh smallpox outbreaks ************************************************ Lots of references say things like smallpox has been ‘entirely eliminated from the world’ when it clearly still exists. ‘Eradicated’ should be qualified as being ‘from the living human poplation. Even whether ‘carriers’ exist is unknown.   * ‘Officially’ (WHO approved) in 2 labs - which means little to weapons programs or nature itself - Accidents and misplacing links already supplied.   * Unofficially it is claimed to be held in other bio-weapons labs: Just two links of many: https://en.wikipedia.org/wiki/Soviet_biological_weapons_program https://www.news-medical.net/health/Smallpox-Biological-Warfare.aspx   * Animal hosts and species jumping of genetically similar Virus like Camelpox.   * thousands of Inuit infected bodies across the melting areas of the melting Northern ice and peat bogs and tar pits around the world. http://www.bbc.com/earth/story/20170504-there-are-diseases-hidden-in-ice-and-they-are-waking-up https://www.npr.org/sections/goatsandsoda/2018/01/24/575974220/are-there-zombie-viruses-in-the-thawing-permafrost?t=1580114743932     in the summer of 2016 a large anthrax outbreak struck Siberia. "A heat wave in the Arctic thawed a thick layer of the permafrost, and a bunch of reindeer carcasses started to warm up. The animals had died of anthrax, and as their bodies thawed, so did the bacteria. Anthrax spores spread across the tundra. Dozens of people were hospitalized, and a 12-year-old boy died.   On the surface, it looked as if zombie anthrax had somehow come back to life after being frozen for 70 years. What pathogen would be next? Smallpox? The 1918 flu?"      
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jardinipops

Lowells Pre Court Letter Shop Direct

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Hi Ive had a reconstituted credit agreement from Shop Direct, can anyone have a look for me,

 

the account was taken out in 13/06/2006.

 

I went into a debt management plan in 2008 and I have been making payments to them for the last 10 years.

 

I found this thread in Jan this year and stopped paying and sent CCA's to all my creditors.

 

I havent claimed anything back on the account as far as I am aware I never had ppi on the account

 

 

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Wheres the rest of the agreement?


Any advice i give is my own and is based solely on personal experience. If in any doubt about a situation , please contact a certified legal representative or debt counsellor..

 

 

If my advice helps you, click the star icon at the bottom of my post and feel free to say thanks

:D

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If all they can send is a reconstituted version for a 2006 agreement......then it follows they dont have the original to enable enforcement of the agreement.

 

 

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

 

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

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moved to mail order forum


..

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Good Evening all

I have received a letter before court proceedings from Lowells Financial regarding a shop direct Very account,

I have sent over a CCA request to Lowells, they responded with a recon credit agreement and a statement of account.

 

Included in the response they said they have been instructed and intend to issue court proceedings.

I have not responded to the letter before court yet please could anyone give any advise and how to proceed should I reply to the form from Lowells? I have previously posted the credit agreement received on another thread but couldnt seem to post a reply on there. 

 

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Please would you fill this out <<<<<


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I think my learned friend accidently posted the wrong link

 

it should be this one 

 

 

and you follow post 5 there

 

dx

 


..

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Can I just confirm post 5 is for uae debts is that right? 
thanks for help so far x

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sorry post 2 ....shows you how many of those uae debts we're dealing with at present....:lol:


..

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Thanks so much I will send this back and see what they respond with 

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you sent a good few CCA's almost 2yrs ago and wiped out and incredible amount of debts following you DMP with PP>

 

are you indicating you've already sent a CCA again since then?

 

dx

 


..

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Hi yes I’ve had some good responses which is great!

 

I cca’d this 2 years ago

it was passed on to Lowell’s and when I rec’d the before court form I sent a cca request to Lowell’s and they sent me the same one as above back with a statement of account and a letter to say they have fulfilled my request and intend to take it to court if I don’t pay.

 

Is the agreement enforceable as I really don’t want to risk a ccj and could set up a plan with them?

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so you don't need to repeat the CCA and you need a reason to dispute the debt.

 

I can't see the CCA upload anymore as it vanished during an old virus attack or our move to new forum software

can you pop the scan back up please?

 


..

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can i confirm that is not signed by you but is infact blank?

 

 

 


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Hi yes it’s blank 

It just has my name and address on it 

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Then its bogroll

send them 'em a new cca

you dispute the debt because the debt buyer has failed to comply with previous request


..

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I thought that they didn’t need to have your signature on now and recon ones were ok?

 

So shall I reply to lowells claim letter saying I dispute the debt due to none Signed credit agreement?

And request the list of documents as per post 2 in the pre debt protocol document? 

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there is nothing there other that a bit of cut n paste or photo manipulation inserting youer details on a copy of the T&C's which can bedownloaded from here or came out of lowells filing cabinet.

 

there is no proof on the agreement you signed up

its blank.

 

go look at other lowell cat debtthreads here and get upto speed

use our search top right.

 

as for the PAPLOC reply form...

don't give the game away..

reason as my last post..


..

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Thanks for all responses I’ve been looking at other threads and now feel totally confused as I’m scared of actually having to go to court as I have no idea how to defend this! Torn between just setting up a payment plan and not wanting them to win! 

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because you've not been reading up

there are 100's of PAPLOC or CAT letter of claim threads here

 

as well as 100's of Lowell claimform cat threads here [most they lose]

 

use our custom google search box that comes up after hitting our top squares logo for either. 

and get reading up.

the more you read the stronger we become.

 

going to court is no big deal a dentist is much worst.

 

don't forget the post off that reply form attached to post 2 of the thread before day 30 of their letter of claim.

1st class stamp and free proof of posting from any PO counter will do.

 

dx

 


..

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Your right I was just having a wobble! I will send the reply tonight. What am I putting for my reason for disputing the debt? It says on the notes as advised in your thread. I’m so sorry if I am being a pain.

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I wish you'd read your thread before repeatedly asking the same question.

 

as already pointed out twice now

the answer is in my post 17.

 


..

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Apologies I had read it wrong, noted and I do appreciate all your help 

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