• Welcome to the LegalBeagles Consumer and Legal Forum.
    Please Register to get the most out of the forum. Registration is free and only needs a username and email address.
    REGISTER
    Please do not post your full name, reference numbers or any identifiable details on the forum.

Lowell - I did try not to write a post

Collapse
Loading...
X
  • Filter
  • Time
  • Show
Clear All
new posts

  • Lowell - I did try not to write a post

    Hi, there is clearly a lot of great information on the forum and I spent a few hours putting our defense on moneyclaim.gov.uk (see below), I have received a letter from Lowell Solicitors which I've uploaded along with what looks clearly like it's been written to look like it's from BT (no letterhead etc.), is it fake? I'm assuming although I don't have a record this debt is from an very old issue with BT which I added to the defense, I'd even go as far as saying the debt is older than 6 years but I'm not sure how I find out.

    This is a fabulous website and I have tried to avoid getting in touch because there is so much information already available, but I would welcome any advise as to what to do next. I think I'm close to just paying up.

    Thank you in advance!

    The Defendant received the claim ….. from the County Court
    Business Centre in Northampton on ….

    Each and every allegation in the Claimant (“Lowell”) statement of
    case is denied unless specifically admitted in this Defence.
    This claim appears to be for a telecommunications agreement with
    BT Plc.

    The Claimants statement of case fails to give adequate information
    to enable me to properly assess my position with regards the
    claim.

    The Claimant’s Particulars of Claim fail to state when the
    agreement was entered into.

    The Claimants statement of case states that the account was
    assigned from BT PlC to Lowell Portfolio on …. The
    Defendant does not recall receiving notice of this assignment.

    On the …. the Defendant sent a request for inspection of
    documents mentioned in the claimant’s statement of case under
    Civil Procedure Rule 31.14 to Lowell Solicitors. The Defendant
    requested the Claimant provide copies of the agreement with BT
    PLC, Notice of Assignment and Deed of Assignment.

    The Claimant has not sent any of these documents to me.
    In that letter the Defendant also asked the Claimant if we may
    agree to extend the time period allowed for filing of my defence
    pending receipt of documents (as allowed under CPR 15.5), but they
    have failed to respond at all.

    On or about 2012/2013 the Defendant has entered into an agreement
    with BT PLC for the provision of broadband services.

    The Defendant admits entering into an agreement with BT PLC but
    for the reasons set out in this Defence, denies that she is liable
    to pay the Claimant as alleged or at all.

    From the start of the agreement, the Defendant experienced several
    hours each day where a broadband service was unavailable, causing
    the Defendant several hours of lost business on a weekly basis.

    Over several months, the Defendant contacted BT PLC on numerous
    occasions to address the issue of no broadband service. Various
    troubleshooting issues were carried out including visits to the
    Defendant’s office from BT engineers but were unable to diagnose
    and/or resolve the broadband issue.

    By reason of the matters stated above, performance of the contract
    became impossible on the part of BT PLC and the Defendant was
    discharged from further performance of the contract by mutual
    agreement.

    In the alternative, BT PLC were in fundamental breach of the
    contract in that they were unable to provide any reliable
    broadband service at the Defendant’s premises. Accordingly, the
    Defendant accepted BT PLC’s fundamental breach, notified them of
    this and no further payments were made.

    Under Civil Procedure Rule 16.5(4) where the claim includes a
    money claim, a Defendant shall be taken to require that any
    allegation relating to the amount of money claimed be proved
    unless he expressly admits the allegation. Therefore, it is
    expected that the Claimant be required to prove the allegation
    that the money is owed as claimed.

    I request the court orders the Claimants to provide the necessary
    documentation in order for me to fully plead my case else the
    Claim should stand struck out.

    In the event that the relevant documents are received from the
    Claimants I will then be in a position to amend my defence, and
    would ask that the Claimants bear the costs of the amendment.

    It is denied that the Claimant is entitled to the relief as
    claimed or at all.

    Statement of Truth

    The Defendant believes that the facts stated in this Defence are
    true.
    Attached Files
    Tags: None

  • #2
    Okay, have you submitted your defence? ( before you received that letter from Lowell? the Lowell letter only refers to the acknowledgment not the defence so if it is their response concerning you, it shouldn't )

    They talk a lot in their letter about the assignment ( did you actually ask for novation and deed of assignment?) - anyway, they are saying they were only assigned the rights and not the burden... most assignments are for rights and obligations - so if they proceed with that they are pretty much talking themselves into having to produce the deed of assignment ( or at least the sale agreement ) to evidence they have not purchased the obligations. Strange way of doing things.

    Did you send a SAR off to BT ? If not, do. Subject Access Request Letter

    and ask for specifics - call recordings if that is how the mutual agreement to discharge arose.

    Anything in writing you still have?
    #staysafestayhome

    Any support I provide is offered without liability, if you are unsure please seek professional legal guidance.

    Received a Court Claim? Read >>>>> First Steps

    Comment


    • #3
      Originally posted by Amethyst View Post
      Okay, have you submitted your defence? ( before you received that letter from Lowell? the Lowell letter only refers to the acknowledgment not the defence so if it is their response concerning you, it shouldn't )

      They talk a lot in their letter about the assignment ( did you actually ask for novation and deed of assignment?) - anyway, they are saying they were only assigned the rights and not the burden... most assignments are for rights and obligations - so if they proceed with that they are pretty much talking themselves into having to produce the deed of assignment ( or at least the sale agreement ) to evidence they have not purchased the obligations. Strange way of doing things.

      Did you send a SAR off to BT ? If not, do. Subject Access Request Letter


      and ask for specifics - call recordings if that is how the mutual agreement to discharge arose.

      Anything in writing you still have?
      This was my letter to Lowell...

      ________________________________

      On ....I received a County Court claim from yourselves of which I have acknowledged receipt indicating my intention to defend in full.
      To enable me to file my defence and/or counterclaim, I require inspection of documents you mention in your statement of case ahead of filing my defence on 14/09/2018.
      1. Agreement with BT PLC
      2. Notice of Assignment
      3. Deed of Assignment
      In accordance with CPR 31.15(c) I undertake to be responsible for your reasonable copying costs incurred in complying with this CPR 31.14 request.
      You should note that this claim has not yet been allocated to a specific track and the provisions of CPR 27(2) are of no effect. Had your claim not been issued through CCBC the Claimant would have been obliged to attach copies of the documentation upon which it relies to the Particulars of Claim.
      I, as Defendant, am entitled to see the documents on which the Claimant relies and which you must produce at trial. Disclosure at this stage will enable me to fully plead my case and further the Overriding Objective.
      You should ensure compliance with your CPR 31 duties and ensure that the document(s) I have requested are copied to and received by me within 7 days of receiving this letter.
      If you require more time in which to comply with this request you must tell me in writing and confirm your agreement to an extension of the time allowed for me to file my defence as allowed under CPR 15.5 so I may notify the court.

      Due to the limited time scale please email myself and the court in addition to sending your agreement to the address for service so that the court may be made aware.
      Should it be the case that I have to file my defence without being in receipt of these documents, I shall have to ask the court to order upon receipt of all necessary documents and being able to properly assessing my position that they order you pay the cost of amending my defence should I deem it necessary.

      ______________________________

      We don't have any correspondence, from memory it was a long time ago probably around 6 years and I thought it was all settled. I haven't done a SAR but I'll get on that today.

      I'm very annoyed at the letter of assignment, it's clearly been created by Lowell and not BT.

      I've noticed the GDPR request could take a month, presumably it's normally quite quick?

      Thank you for your reply!

      Sent off for SAR request to BT, presumably this would show a letter of assignment if one did ever exist?
      Last edited by fourdw; 24th September 2018, 12:37:PM.

      Comment

      View our Terms and Conditions

      LegalBeagles Group uses cookies to enhance your browsing experience and to create a secure and effective website. By using this website, you are consenting to such use.To find out more and learn how to manage cookies please read our Cookie and Privacy Policy.

      If you would like to opt in, or out, of receiving news and marketing from LegalBeagles Group Ltd you can amend your settings at any time here.


      If you would like to cancel your registration please Contact Us. We will delete your user details on request, however, any previously posted user content will remain on the site with your username removed and 'Guest' inserted.

      Announcement

      Collapse
      1 of 2 < >

      SHORTCUTS


      First Steps
      Check dates
      Income/Expenditure
      Acknowledge Claim
      CCA Request
      CPR 31.14 Request
      Subject Access Request Letter
      Example Defence
      Set Aside Application
      Directions Questionnaire



      If you received a court claim and would like some help and support dealing with it, please read the first steps and make a new thread in the forum with as much information as you can.





      NOTE: If you receive a court claim note these dates in your calendar ...
      Acknowledge Claim - within 14 days from Service

      Defend Claim - within 28 days from Service (IF you acknowledged in time)

      If you fail to Acknowledge the claim you may have a default judgment awarded against you, likewise, if you fail to enter your defence within 28 days from Service.




      We now feature a number of specialist consumer credit debt solicitors on our sister site, JustBeagle.com
      If your case is over £10,000 or particularly complex it may be worth a chat with a solicitor, often they will be able to help on a fixed fee or CFA (no win, no fee) basis.
      2 of 2 < >

      Support LegalBeagles


      Donate with PayPal button

      LegalBeagles is a free forum, founded in May 2007, providing legal guidance and support to consumers and SME's across a range of legal areas.

      See more
      See less

      Court Claim ?

      Guides and Letters
      Loading...



      Search and Compare fixed fee legal services and find a solicitor near you.

      Find a Law Firm


      Working...
      X