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    • Thankyou very much i will be around all day it would be appreciated Below is another attempt :     IN THE COUNTY COURT AT ***************                 CLAIM NO:**********     BETWEEN:   LOWELL PORTFOLIO I LTD CLAIMANT   and   MRS *********************** DEFENDANT   ------------------------------------------------------------------------------------------------------------------------   WITNESS STATEMENT OF ******************   ------------------------------------------------------------------------------------------------------------------------   I, ******************************************* WILL SAY as follows:   I make this Witness Statement in support of my defence in the claim.     INTRODUCTION   1. It is my understanding that the claimant is an Assignee, a buyer of defunct disputed or bad debts, which are bought on mass portfolios at a much reduced cost to the amount claimed 10p to 15p in the £1 and to which the original creditors have already written off as a capital loss and claimed against taxable income. Lowell Portfolio I Ltd issue claims to circumvent and claim the full amount of debt to maximise profit.   2. As an assignee or creditor as defined in section 189 of the CCA this applies to this new requirement on assignment of rights. This means that when an assignee purchases debts (or otherwise acquires rights under a credit agreement) it also acquires certain obligations to the borrower including the duty to comply with CCA requirements (such as the rules on statements and notices and other post-contractual information). The assignee becomes the creditor under the agreement. This ensures that essential consumer protections under the CCA cannot be circumvented by assigning the debt to a third party.   BACKGROUND 3. The Claim relates to an alleged Credit Card Agreement between the defendant and Vanquis Bank   4. Whilst it is accepted that the defendant has in the past had financial dealings with Vanquis, the defendant is unaware of what alleged debt the claimant refers, and the defendant has not entered into any contract with the Claimant.   5.The defendant made a formal written request to the Claimant for them to provide me with a copy of my Consumer Credit Agreement as entitled to do so under sections 78 of the Consumer Credit Act 1974 on the 27th August 2019 along with the standard fee of £1.00 postal order to which the defendant received a reply dated 6th September 2019 putting their account on hold whilst they tried to gather the information.   6.The defendant received a reply dated 24th October 2019 with no CCA attached other than the documents which enclosed a statement, default notice, notice of assignment from Vanquis to Lowell & a reconstituted copy of an agreement which the claimants have already provided in their witness statement dated 3rd August 2020.   7.On 15th January 2020, I received a claim form from the County Court Business Centre, Northampton, for the amount of £******. The claimant contends that the claim is for the sum of £********* in respect of monies owing under an alleged agreement with the account no ******************* pursuant to The Consumer Credit Act 1974 (CCA). Contained within the claimants particulars the claimant states that the account was subject to assignment from Vanquis to Lowell on 24 June 2015 with notice given.   CONCLUSION 8.To date no valid full true copy of the executed credit agreement or the terms and conditions have been disclosed .the claimant has no grounds on which to enforce this alleged debt.   9.The claimant disclosed various screenshots taken from the originators software of the application and also confirms on their covering letter the relative legislation The Electronic Communications Act 2000 with regards to wet signatures and the requirement of a tick box to validate the application. The screenshots are devoid of any tick box or any authenticity of IP address conformation check.   10.Therefore the claimant remains in default of my section 78 request and pursuant to section 78 6a of the CCA1974 the claimant is not entitled, while the default continues, to enforce the agreement.   11.For the above reasons the claim bought by the claimant is without merit and an abuse of the court process. It would be far more gracious and forthright for the claimant to admit that they do not have possession of the correct valid paperwork and this is an attempt to mislead and convince the court that the claimant can disclose the legal valid documents on which its claim relies on. It is therefore requested that the Claimants Claim is struck out pursuant to the above.   STATEMENT OF TRUTH   I, ************** the defendant, believe the facts stated in this witness statement are true. I understand that proceedings for contempt of Court may be brought against anyone who makes, or causes to be made, a false statement in a document verified by a statement of truth without an honest belief in its truth.   Signed: …………………………………………… Print Name: ************* Dated: 4th August 2020
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      I was in Sainsbury’s today and did scan and shop.
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Posted (edited)

 

 

Hasn't the covid pandemic killed more Americans under Trumps ' grate leadershipishness than the entire Vietnam war did?

 

Edited by tobyjugg2

I express my honestly held opinions - they are nothing more or less than that.

... Its just doing some due diligence that makes them seem unusual ...

 

Please don't assume what you see here is what I wrote - At least some of my posts HAVE been edited without my knowledge or agreement - or anything showing people they have been amended

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34 minutes ago, tobyjugg2 said:

 

 

Hasn't the covid pandemic killed more Americans under Trumps ' grate leadershipishness than the entire Vietnam war did?

 

 

According to National Geographic, that happened in late April.

 

https://www.nationalgeographic.com/history/2020/04/coronavirus-death-toll-vietnam-war-cvd/


Illegitimi non carborundum

 

 

 

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It's just bluster and laying the groundwork for disputing the election result when he loses. Only Congress can change the election date and the constitution says he must leave office in January in any event.

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He's completely bonkers

Unless he's preparing his get out for his trial for treason

 

https://www.theguardian.com/us-news/2020/jul/28/trump-covid-19-briefing-hydroxychloroquine-video

 

"The US president tweeted a version of the video, which rapidly gained tens of thousands of views on Facebook and YouTube before both companies took it down for containing false public health information.

 

"they’re very respected doctors"

“Many doctors think it is extremely successful, the hydroxychloroquine,”

“You don’t need masks. There is a cure.”

"doctors make medicine using DNA from aliens"

"gynecological problems like cysts and endometriosis are in fact caused by people having sex in their dreams with demons and witches"

 

Immanuel is a registered doctor in Texas, according to the Texas Medical Board, and runs a clinic in a strip mall next to her church, Firepower Ministries, the Daily Beast reported.

 

"this is who Trump is and always will be: a conspiracy theorist content to gamble with the lives of others."


I express my honestly held opinions - they are nothing more or less than that.

... Its just doing some due diligence that makes them seem unusual ...

 

Please don't assume what you see here is what I wrote - At least some of my posts HAVE been edited without my knowledge or agreement - or anything showing people they have been amended

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Warning contains bad language and some tongue in cheek 'honesty

 

https://youtu.be/dpIkl2QnJeI

Edited by tobyjugg2

I express my honestly held opinions - they are nothing more or less than that.

... Its just doing some due diligence that makes them seem unusual ...

 

Please don't assume what you see here is what I wrote - At least some of my posts HAVE been edited without my knowledge or agreement - or anything showing people they have been amended

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This is just embarrassing. It's all over the media today. Trump's understanding of the charts and empathy for all the people who have died is virtually non-existent.

 

https://www.theguardian.com/us-news/video/2020/aug/04/donald-trump-argues-reporter-over-covid-19-death-figures-video

 

https://www.theguardian.com/us-news/2020/aug/04/donald-trump-on-the-ropes-in-interview-over-us-covid-19-death-toll


Illegitimi non carborundum

 

 

 

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Nobody understands charts better than Trump. In fact there's lots of things he's better at, he says so himself.

 

 

 

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The only thing keeping johnson from being the No 1 world laughing stock

 

Edited by tobyjugg2

I express my honestly held opinions - they are nothing more or less than that.

... Its just doing some due diligence that makes them seem unusual ...

 

Please don't assume what you see here is what I wrote - At least some of my posts HAVE been edited without my knowledge or agreement - or anything showing people they have been amended

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