Lowell taking court action - debt is not ours

[Will Goodfellow]

His DOB and signature also won't match.

 

How do you know the DOB won't match? Also, a signature is not required for digital agreements.

[dx100uk]

shooting in the dark and being a secret squirrel...

[basildonbond1946]

Why dont you listen to the advice you have been given instead of going around like a headless chicken.

 

Life is not fair when you deal with DCAs if you do nothing and respond with an incorrect defence they will win by default which is the way they base their busisness plan

if enough people do Nothing they make money .

 

they start to lose when people defend themselves.

 

So calm down give the experts the facts as if they are correct you could even claim money from Lowells for wasting court time

Edited December 28, 2018 by dx100uk
spacing

[BankFodder]

... you however the court may more than likely make you liable for court charges for wasting their time if it went to court as you had ample opportunity to send off the "prove it" letter.

.

 

Sorry but this is completely wrong.

[BankFodder]

Your particulars of claim should broadly be as follows:

 

The plaintiff's claim is denied.

The defendant is not indebted as alleged in the particulars of claim or at all.

 

The defendant has never had an account with TalkTalk.

 

I wouldn't advise you to do anything more complicated or to give any more information than this at this point.

 

However it would be very helpful if you would post the claim form here in pdf format

[brassnecked]

Do as BankFodder suggests and use that simple defence. I would also check your Credit Files as Lowell might or probably will have registered the debt as yours with Experian etc and linked it to your address.

[dx100uk]

pers i'd use our std holding / no paperwork def

 

with the adapted 2nd para stating you have never had a tt bb ac.

 

 

hope you sent a cpr 31:14 and did AOS as soon as you got the claimform?

what date is top right on it

if you don't want to give us the link info

that you'll see is identical to all the claimform threads in this link

 

https://cse.google.co.uk/cse?cx=partner-pub-8889411648654839:6449422593&ie=UTF-8&q=lowell+talk+talk+claimform&sa=Search+CAG

[dx100uk]

sorry but this user seems to be ignoring CAG advise..

 

why come here and ask for help if you ignore us?!?!

[brassnecked]

Horses to water DX, but unless they get a grip Lowell will have a CCJ and they will have had a wrongful debt foisted on them with little chance of getting rid once Default Judgment given.

[Surfer01]

Sorry but this is completely wrong.

 

Please inform me why I am wrong?

[brassnecked]

Please inform me why I am wrong?

 

Its a Civil claim in the County Court, not a criminal case in the Magistrates Court and if Lowell get a Default Judgment they will get it for what they asked for as in alleged debt plus the costs they itemised on the POC. Op must defend and give a reason on MCOL as to why debt is denied.

[Surfer01]

Its a Civil claim in the County Court, not a criminal case in the Magistrates Court and if Lowell get a Default Judgment they will get it for what they asked for as in alleged debt plus the costs they itemised on the POC. Op must defend and give a reason on MCOL as to why debt is denied.

 

Maybe I never put it across correctly. As the OP allowed it to go as far as court by not replying to DCA, the judge may require the OP to pay court charges for wasting court time, but not the amount demanded by the DCA. Note that I said "may" and not will.

[dx100uk]

never seen that happen.

[BankFodder]

Maybe I never put it across correctly. As the OP allowed it to go as far as court by not replying to DCA, the judge may require the OP to pay court charges for wasting court time, but not the amount demanded by the DCA. Note that I said "may" and not will.

 

Sorry but this "is" still wrong.

 

It would be highly improper for a court to take an action like this