Thanks Dx, Andy, for your help WS emailed just now to both We shall see what happens Sew

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

Ok Dx, will do, better impact, thanks

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

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

OK, thank you, looking it all up now and will get something here in a while

haha, omg, i'll give it a try, should be a right laugh...

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

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

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

Thanks Andy, if that is the case then ill just go with the Papers determination if its more or less the same and I get the chance to submit a statement, thank you

hmm, yes. I guess there is a chance of a lottery with the paper hearing route, 50/50 or the judge goes with the path of least of resistance. After a bit of thought as well it seems to be the wrong way to go. I’ve not had a chance to defend and check their docs, they’ve not provided a response to any of my requests for documentation, like you all said they would, no surprise ofc. If I object and take it further then they will have to provide it I presume.

hi Everyone I’ve have just received this after just being away in France, missed the first few days on the timeframe. Can confirm my understanding of it with anyone as I can’t see anything about providing a witness statement as you’ve mentioned above. They are basically asking me to agree and confirm by email by the 10th for the judge to do a decision without a hearing, yes? Due to COVID I suppose. Have I definitely missed the set aside opportunity (whether I should do it or not) due to my holiday or do I get a bit of leeway here? Ive not had any email from the other party yet and I only received/opened this letter yesterday Due to being away, I knew something would come whilst I was away. TIA N24.pdf

Don’t scare me, lol.

Omg, my heart was pounding, lol. All done. She was nice but I think she knew what was going on. phew. Talk about anxiety

Thanks both, so I search for “witness statement” and go from there not “statement of case” Sorry, getting a little bit confused by different terms.

Thanks Dx, helpful wording, I was wondering how to word the sentence.

Will do, thanks Andy so, if I’m reading your reply right. I will get a N157 NOA after the mediation refers it back to the court, this will have details of what I have to do next, this draft/SoC. i think then write something up to give back, the SoC? thanks again

Thanks for the info Andy, I think I’m kinda prepared, lol. Stick me guns

thank Andy, my heart has been going a bit faster since the message, The last few months have been very anxious and stressful and I just didn’t need that to arrive and surprise me. haha, yes, good point, It was the CCA request they didn’t reply to as well as the CPR I will state at the beginning that “as they have not replied to the CPR And CCA request I am unable to participate in this mediation” and add no more to the comment. out of interest, what would happen after that?

Hi everyone, I’ve just had a text message re: my mediation appt for Friday afternoon, I’ve searched my email and found the original in my spam! A Bit shocked and stressed. I was expecting a letter and for it to be a bit delayed due to COVID-19. I’m obviously a bit nervous and not sure how I do it. I’ve found this thread on here to help me understand what I have to do, read it once and will read it again after I post this. Do I follow my defence as outlined in my original claim defence above? Some of the legalese of my defence is a bit above me, they never replied to the CPR Request and copy request etc any brief pointers would be great appreciated, many thanks Sorry, Just to add, the guide thread states to stick my defence strictly. Is there anything I can put alongside the 9 points of my defence to help my conversation on the call. More laymen terms, if you will. Thanks

Thank you, I will cover up my sig on the copy to Lowell I will read up next time I get something, apologies for the direct post. Once again, thank you

I have had a Notice of proposed allocation to the small claims court/mediation dated 22/03, reply by 8th Apr 1. Defended claim 2. suitable for Small claims, etc 3. fill in N180 A1 - Asking for mediation, yes/no I assume this is for me to fill in as I am the defendent, yes? Sorry if silly question I thought i filled in my defence online? is this a different form? I am still getting the runaround from lowell about documents, we're still looking for them., etc. hand 2 letters from them TIA

ok, I see what you mean, it adds to my defence that they cant be assed to find the records even though I have given them sufficient details to find it Just learning the ropes

aye I know what ya sayin but then i guess my question is do I help them or not, send them the Ref numbers? Ive done the letter, took me 5 mins and I have a stamp although I begrudge pence for it ya know. because this is all legal stuff is that it, I wont get my CPR file if they sday they cant find me so I kinda lose out a bit What do I do next please TIA