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    • That still leaves the parties the Met isn't investigating though and the drinking culture in no10 though, doesn't it?   If they're not careful though, there will be accusations of no10 kicking the can down the road and possibly trying to influence the investigations.
    • Hi there. an update for you   1) independent surveyor report was sent to builder on 13 Dec.   2) builder only responded yesterday. They dispute the majority of the issues identified. Claiming for example: that we have influenced the expert witness surveyor, that we have caused some of the issues by undoing work, that that the surveyor is wrong,    3) through trading standards we gave them the month of nov to finish plus put things (known) right, at no point did they say a month was unreasonable, they were onsite for less than 10 days of nov,  early nov building control initially visited and highlighted issues, they claim building control have now signed off their work at the end of nov   4) building control visited last week at my request, there are still issues with their work, it has not been signed off and never was at the end of nov    4) builder now says there they didn’t have time to put known things right in nov (they are always contradicting themselves) and that they should be allowed to return to site  to fix these ‘minor snags’, the majority are not minor snags, they are building regulation contraventions    5) we have quotes from 3rd parties to do the work. We do not want the original builders back because:    a)quality of their workmanship has been called into question by ourselves, building control and a 3rd party surveyor    b) lack of trust in what they tell us - for example they’ve deviated from the plan, used different materials, refused to fix items saying nothing wrong and it’s how they always do it, refused to give deadlines, knowingly cut corners, have said work is signed off when it isn’t etc    c) their behaviour:  smoking weed on site, urinating next to my garden office, swearing, smoking, leaving the house with doors wide open and unlocked, leaving site unsafe with scaffold boards & materials lying across/over paths at end of day/week, all these things were raised with them verbally & in emails    d) they repeatedly said they hate working for us, they can’t wait to leave, none of them enjoy coming here etc   so, my question is.. do we have to allow them to return or can we say that we want a refund or for them to cover 3rd party costs?    im feeling that they have had enough opportunities to do the right thing and put things right, I’m also feeling that we aren’t being unreasonable by not wanting them back..   they say they can’t understand why we are rushing to get 3rd parties to finish the job and that the job is ‘live ‘ with them.   my feeling is that this job should have been finished in July (at no point have they provided a revised completion date despite us asking numerous times), they were given nov to finish & go, we’ve not heard from them over past 2 months so how could it still be live, and that we’ve spent 2 cold months living in a half finished house which doesn’t have heating completed, is damp & draughty, Ofcourse we want to get it finished asap! Any input would be appreciated, thank you.
    • Well, quite a change in stance from the Met after Johnson delays it   From 'We are fine with the report being released in its entirety, to effectively 'don't mention the bad stuff - which is as we first expected from Johnson and Dick before the surprising 'yeah release it'     Met Police asked Sue Gray to remove key details from report WWW.INDEPENDENT.CO.UK Force is running parallel criminal probe into potential lawbreaking at Downing Street     Wonder what self destroying message personal phones that was arranged on?
    • I were recently in an accident with another vehicle earlier this month and swapped details of both myself and the owner of the garage etc no police were contacted and both able to return as normal.   After contacting the garage they then inform me later on, in the day they required my own insurance to cover the cost only to be a named driver on the one being repaired and informed them of this.   I then requested they come collect the vehicle in which they did days later.   Didn't hear much more until recently with the owner of the garage contacting in abit of a panic for insurance details again and explained once more being a named driver on the policy, His insurance has received a '3rd party allegation' in which the garage owner has passed my details on for being the driver.   I and others have used this person for years and when we first used him I would ask him verbally how come we can swap vehicles and he informed me he had business insurance to cover anyone whilst their vehicle gets repaired and this is clearly a lie.   I did get some legal advice and one of them were to wait for a Notice of Intended Prosecution but i am concerned the owner might not be telling the truth to their own insurance or not telling them what happened??   Should I hand myself in the police and tell them the garage isn't being honest?   Any help or experience/expertises would be greatly appreciated.        
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Lowell claimform - 2xCap1 card debts


sewingkit
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Thought you didnt want a hearing :becky:...with or without a hearing either in court or remotely you will still be given directions to submit a statement and documents.

 

Andy

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  • 1 month later...

Hi Everyone,

 

I've been in away and came back to the 2nd attachment (NASCT) Sunday night.

 

The first "GFJO" file attachment was from a few weeks back and I assume means the court is just asking the claimant to do somthing which I assume they did because of the 2nd attachment.

 

I have just done a search on the forums for an example witness statement and found this, Could I use this to create mine using their Statement? I know it is very rough and need tayloring, etc

I have just had by email the witness statement from Lowell, it is 75 pages long and has the CCA, Assignments, etc in it ands other stuff. The things I asked for in my CCA & CPR request back along and never got! No surprise I guess!  I could upload that if it helps but looks

 

Pleae could someone explain pt 13 about the £170 fee, is this something i have to pay?

 

TIA

Sew

GFJO SO.pdf 04092020 NASCT 2P.pdf

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so how did the fleecers get your email address to allow them to file their WS so near your deadline of 2 days for yours?

 

we MUST see all their WS please

inc all the exhibits

in ONE multipage PDF to be able to help at this late stage.

 

the fee is for the fleecers to pay not you..

 

 

 

 

 

  • Like 1

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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TBh, I dont know as Ive had no direct contact with the fleecers and passed it on to them, maybe fomr the orig docs or court docs?

 

Yes, nice and late as expected

 

Im working through thier witness statement now, redacting, etc, up soon

 

 

Attched DX, thank you

Notes:

Personal details removed

Dates removed, if you need them back in I am happy to DM the doc to you privately or redo the redaction and leave them on. I thought they might be able to identify me from them

Left exhibit no's in but cut out the paralegals initials

 

Exhibit 2 & 5 pages are removed completely as they were only 25 pages of acct statements, and to make the redacting quicker i just removed them! hope this is OK

All my sigs are electronic, dates look out of alignment

 

Exh 3 - No letter header on and who are Creation FS at the top of page 12, no space after "contacting us??? 

 

Biggie! (well to me anyway)

Look at page 37, Exhibit 8, its labelled for a completely different person, date, case number!!!!!

 

Exh 1 & 4 - Agreement numbers look a bit fuzzy to me and not in keeping with other typefaces, pasted on?

page 15, why is my name and acct number smaller? like typed on a sheet?

 

Loads and loads of letters missing off of page 27, Exh 6!

 

Page 20 - The table with Credit limt and Acct number is in blue but rest of doc in black, strange or not?

 

Thank you

Sew

I shall be making a donation to this site after, promise! amazing help so far

 

Witness_Statement_-_REDACTED.pdf

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so no default notice for card 1

is your name simply typeface and you signed up for these 2 card via an online portal?

yes make notice that they have forwarded someone else's stuff

i believe there trumpeted letter of claim for each debt, that they carp on about as you ignoring each one
are not in the correct format nor are entitled letter of claim, as they should bee.

online agreements should hold some record of the ip address etc from the pc from which you used to gain the credit

on neither can i see any such proof.

as you quite rightly point out
all someone could have done is download those from any website like CAG and insert your details

the T&C's don't have your name and address either and again are not proof they were ever the correct or the ones sent to you

nice try lowells
but all the documents could have been faked by cut and paste.

 

i'm not sure on an already done WS, there is one

 

andyorch will be far better placed.

 

as with your defence a day or 2 late under LIP rules wont hurt you.in filing late

 

 

  • Like 1

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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so no default notice for card 1 Nope. that's all there is

 

is your name simply typeface and you signed up for these 2 card via an online portal? Yes and Yes, no sigs

 

yes make notice that they have forwarded someone else's stuff, I will do so

 

i believe there trumpeted letter of claim for each debt, that they carp on about as you ignoring each one
are not in the correct format nor are entitled letter of claim, as they should bee. OK

 

online agreements should hold some record of the ip address etc from the pc from which you used to gain the credit

on neither can i see any such proof. OK, this is new to me, should I raise it?

 

as you quite rightly point out all someone could have done is download those from any website like CAG and insert your details

the T&C's don't have your name and address either and again are not proof they were ever the correct or the ones sent to you

nice try lowells but all the documents could have been faked by cut and paste. I know, looks a tad fishy, no way to prove I guess

 

i'm not sure on an already done WS, there is one

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Have a go at drafting your statement and post it here in PDF format and I will get back to you with any amendments additions.

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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 The National Consumer Service

 

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Use the one I have previously drafted above in post #53 and follow the claimant statement as a guide......responding to each of their points and copy the format. 

  • Like 1

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 The National Consumer Service

 

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Hi,

 

I've made a good start, 3/4 pages using my Def to start and some paragraphs from Andy's example on that Kearns thread, ive hit a bit of a block in regards to addressing their statement points and how to respond, getting a bit overwhelmed and taking a step away to think about it, I'm slowly getting there though. what bits to take out of my def, what to say in my individual replies to points and trying to understand the legal text in the points/texts. Ive had a few good ideas and will use them. 

 

I have other massive things going on outside of this and they're stopping me focussing.

 

So, toi give me a bit of time will LIP cover me to respond on Monday, it was due 4pm yesterday and you've said I can be on 1/2 days. I really need the weekend to get my head around it, mentally mostly.  

 

TIA

Sew

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Hi Guys, sorry I am late.

 

I hope under LIP I can get this in today, was due last Thursday 4pm, 2 working days late, should be OK I hope

 

I just couldn't face it Friday, too overwhelmed by the legalease and what to do then developed flu/cold with heavy covid cough over weekend and didn't feel up to it BUT been on it for last 90 mins and got right into the zone and found a couple of other cock ups by Lowells!

 

Both agreements have the WRONG acct number on, couldnt believe i missed it!

 

I led with my defence and then have tried aligning my against theirs with my own headings, b1, b2, c1 in case you want to refer to any point or mistakes  

 

Please can someone take a look please and check its passable

 

TIA

Sew

Witness SB.pdf

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looks good though might be a bit better to focus all the wrongs into just one or 2 points as its not 100% clear that you are pointing out the agreements are not even yours and/or are not even the same agreement numbers as previously quoted?

 

dx

 

  • Like 1

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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3 minutes ago, dx100uk said:

looks good though might be a bit better to focus all the wrongs into just one or 2 points as its not 100% clear that you are pointing out the agreements are not even yours and/or are not even the same agreement numbers as previously quoted?

 

dx

 

 

Ok Dx, will do, better impact, thanks

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v2.0 up. lol

 

More emphasis at the end to the 2 dodgy agreements

 

Funnily enough as i was doing it I made notes in order of the exhibits and the issues with each but felt I had to follow the run of their claim & WS, should have stuck to that as a pattern for mine

Witness SB v2.pdf

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yep that looks ok to me now

 

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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