Lowell Claimform - 4 merged debts - 3 cat + Cap1 Card

[dx100uk]

did you sign, fillin and return their copy as it says??

 

[dx100uk]

not according to the top line?

 

looks like it was sent to you by royal mail

and you certainly cant digitally sign via an email either

digital signing is done online on their website.

 

so, who would ever though..Lowell inserting your details on a blank they have from their filing cabinet..and claiming it a true copy!!

whatever next.

should be pages of T&C's with each agreement too!!

 

what date was this taken out

when was your last payment?

[dx100uk]

well until they comply with enforceable paperwork for each debt

you pay nothing

and most certainly never ever give a DCA an I&E!!

 

 

 

[dx100uk]

can I just check this is not a letter of claim from Lowell solicitors?

if not ignore them.

 

dx

 

[dx100uk]

please complete this:

 

[dx100uk]

please note your corrected defence filing date.

 

i will guess that certainly the 2 SD agreements in the CCA return dont have any agreement number that matches the ones in their POC?

and poss the JDW one is the same?

 

those agreements can all be downloaded from the interweb or here even and have your details inserted into them.

[dx100uk]

in the meantime:

 

pop up on the MCOL website detailed on the claimform.
[if mcol is not working return after the w/end or the next day if week time]
.
 register as an individual
 note the long gateway number given
 then log in
.
 select respond to a claim and select the start AOS box.
.
 then using the details required from the claimform
.
 defend all
 leave jurisdiction unticked
 you DO NOT file a defence at this time
 click thru to the end
 confirm and exit MCOL.
.
 get a CPR 31:14 request running to the solicitors [if one is not listed send to the claimant]
.
.

https://www.consumeractiongroup.co.uk/topic/332546-legal-cpr-3114-request-request-for-information-when-a-claim-has-been-issued/
.
.
type your name ONLY

no need to sign anything
.
you DO NOT await the return of paperwork.
you MUST file a defence regardless by day 33 from the date on the claimform [1 in the count]
 

[dx100uk]

ask your learned gentleman these questions.

 

the SD agreements & T+C's:

 

No relevant account numbers that correspond to the quoted ones in their POC on the agreements

No indication that these WERE an online sign up, there is no indication of IP address used/website/or any steps of customer verification. 

T&C's are the same.

 

if one were to look here on CAG or a search engine or in the DCA's own filing cabinet you'll find these exact same docs - pers details can have easily have been inserted using any photo manipulation software.

 

JDW: 

 

same as above, but its also interesting to note there is a cut off section, why would a customer bother to sign and return but not cut off the rest and retain?

there are no T&C's ...and the agreement is devoid of all the required prescribed terms

 

cap1:

same applies no proof of it being done online etc etc

 

[dx100uk]

penalty charges levied by the original creditor might only ever come into play if you were to accept mediation later in the process and with a  regard to settling before court. I cant see that ever being necessary .

the same can be said regarding a tomlin consent order 

 

don't forget what information YOU have, you keep to yourself at this stage!

[dx100uk]

yes thats what everyone else on cag does...

[dx100uk]

more incompetence ..nothing new there

[dx100uk]

in 6 put back c regarding default notices

[dx100uk]

On 16/10/2019 at 09:34, Cait116 said:

morning Bazooka & dx100uk

 

I have attached the letter and the 4 credit agreements.  Do you mind having a look for me and advise?

 

Thanks so much guys for your help 

 

 

 

CCA_returns.pdf 2.38 MB · 5 downloads

above

 

i will guess that certainly the 2 SD agreements in the CCA return dont have any agreement numbers that matches the ones in their POC?

and poss the JDW one is the same?

 

those agreements can all be downloaded from the interweb or here even and have your details inserted into them.

 

dx

 

[dx100uk]

imho no andy see my last post

 

dx

 

[dx100uk]

we'll get you there.

[dx100uk]

Quite usual for Lowell

they do this to sometimes intimidate when they've no intention of doing so

check mcol

 

 

[dx100uk]

Who says Lowell did send their's to the court?

if you read like threads..you'll understand

 

Dx

[dx100uk]

well its not been allocated to anytrack nor any court, so they shouldn't be using that as a refusal to comply with your request. they ca 'think' what they like just more BS. to confuse you..

 

as for

Does this mean that they don’t have to produce the documents that I requested?

 

already commented on this in many threads...

if the claim ever gets to the disclosures stage they must include everything they intend to rely upon at the hearing as exhibits in their Witness statement as should you 14 days before the hearing date 

[dx100uk]

quite std practice. done to distract you ...from concentrating upon what you should be.

[dx100uk]

pg4 has your name

removed.

 

wheres all the rest of the docs?

 

dx

[dx100uk]

everything for each debt

p'haps in a pdf for each debt.

 

lets have a good laugh! 

[dx100uk]

be up later when I can digest it all in time.

 

but screen shots don't cut the mustard, loweells have already lost and disc'd several claims trying to use those as proof of dn's with cat debts

 

dx

[dx100uk]

littlewoods - std stuff they rock out

but as you say no DN. just a screen shot.

 

 

JDW/cap1/SD

- std stuff they can download from anywhere even here and insert your details into.

why would you send the whole thing back inc your copy, when it sats sign here and keep your copy..is it dated and signed or typed? 

no Dn either.

 

 

[dx100uk]

Hey not sweat

We have your 6 on this

[dx100uk]

aw sorry...

 

await the NOA N157 from your local court with a date they must pay a fee by and the date of the hearing.