Wife goes to court via Skype on Monday 24/Aug at 14:30 I’m looking for any help I can get... They seem to think they have all the cards...
Lowell persuing £450 via skype
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Originally posted by MIKE770 View Posttell us about the event leading up and situation:- very vague posting?Last edited by ULA; 19th August 2020, 12:17:PM. Reason: Anonymising personal data and clarification.
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Hi JGK29 I think the best thing to do would be to firstly post up more information about the case that Lowell is brining against your wife as requested by MIKE770
It may well that we can provide you some support and guidance without having to upload a document that large, which is a big ask to review at this stage of the process.If you would like a one-to-one expert consultation with me on your employment issue than I can be contacted by emailing admin@legalbeaglesgroup.com
I do not provide advice by PM although I may on occasion ask you to send me documents this way but any related advice will be provided back on your thread.
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They are claiming under the consumer credit act a default on a "Very" account. The alleged agreement was entered into on line in 2018, the agreement was terminated by Shop Direct, and Lowell have purchased this in 2019 by a written instrument? Legal proceedings were implemented by Lowell Jan 2020 and this is where we became involved with the CC system. A document request was initiated 1. Agreement 2. Default Notice 3. Assignment 4. Formal demand all of which either did not materialise or well outside the prescribed time limits..
Let me know what it is you would like, in the glimmer of hope you can assist us in this matter..
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I have a well presented (in my opinion) bundle, it looks to me to be sound, but there again I know nothing... This seems a little extravagant for someone that is likely to pull out last minute, the WS we have sent seems a little flimsy in response.. Their evidence looks like something a teenager could knock up on a PC on microsoft word.. They have also produced a CCA 1974 that only has a name and a tick on it, that they assure is legally binding under the electronic signature act 2002?
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Have just received this addendum to their bundle, means nothing to me? Is it of any concern..?Attached Files
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From what I can work out from these posts, your wife may have some challenges in 'skype' court' on Monday.
When you say 'outside of prescribed timescales' - do you mean the statutory period of '12 working days'? It is correct that the debt is unenforceable after 12 working days not supplied, but it becomes enforceable again once the documents have been supplied.
For a 2018 credit account, a digital tick signature is normal and enforceable.
How come the account defaulted so quickly? Was there any extra circumstances which made the debt become an issue?
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She has a live account with “Very,” that is serviced monthly. Is totally unsure as to what this is in connection with.. There is no breakdown as to what the £450 is in connection too.. The “screen shots” they have of numbers and default notice are meaningless at best... They have today stated that this is to do with a cash account opened in 2014, and electronically converted to a credit account in 2018... We are a little bewildered as to what any of this is appertaining too...
Have just received the contact details for the electronic appearance on Monday from the court.
Any help with points of law would be appreciated, or do you feel this will definitely be a hill we will not be able to climb..
kind regards..
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