Proof of identity

[Diana M]

Re: Proof of identity

The SAR came back with this application with a different account number than lowells and a set of terms , that's all. Now on Lowells transaction list the card number remains the same but the account numbers were changed twice .

Does this mean that Lowells have not produced any Ts & Cs with the agreement?

This is where you need to be careful.

Don't shoot yourself in the foot by producing a bona fide credit agreement (with all the Ts & Cs from your SAR) to prove that Lowells haven't. The DJ could say "thank you very much for disclosing the real deal which proves the Claimant's case for them".

This is in the Small Claims Track where the Defendant doesn't have to disclose all documents in their possession. So don't if they'll harm your case.

You'll need to be selective about what you disclose while at the same time picking holes in what they have produced.

No one said it was going to be easy

Any sign of a Default Notice from Lowells and any reference to one in your SAR (in the Transaction Log)?

Di

[icrina53]

Re: Proof of identity

Also the default notice was issued in 2013 for account X , but the account number was changed into Y two years previously . I don't think is Lowell that plays with the numbers but Vanquis.
I have asked in my SAR request all the details about the account I know I had with them plus any other account that I might have with them and this is everything they sent. Were is Lowells getting all this transactions, defaults etc from s I am unable to get them from Vanquis?

[Diana M]

Re: Proof of identity

BTW Lowell being as helpful as usual change account numbers to suit there system.
You could state that you have never held and account with the number quoted!
It will be interesting to see what the SAR shows up.

This is true that Lowells renumber accounts in their system.

However the document they have produced for the court is supposed to be the original credit agreement (or a reconstituted version based on fact) so it can't have an account number which wasn't in existence at the time (2009/10) if it's an 'honest and accurate' recon.

The document in the OP's possession comes direct from the original creditor in response to their SAR Request so the account number on that document is reliable (one would think).

Di

[icrina53]

Re: Proof of identity

So you've filed your WS and are now preparing for the hearing. You are wisely running forensics over the documents which Lowells have produced.

You've received your SAR from Vanquis and you've spotted what appears to be an inconsistency with the document (credit agreement) in the SAR and the document which Lowells have produced for the court.

You're asking yourself whether it's possible that the original creditor opened two accounts for you. Maybe the question is: has Lowells produced an inaccurate reconstituted version?

You say everything else on the agreement is the same except for the date. Have you got the Transaction Log included in your SAR so you can see when the account was opened etc etc?

Di

Everything is exactly the same including the date and the time.
The SAR came back with this application with a different account number than lowells and a set of terms , that's all. Now on Lowells transaction list the card number remains the same but the account numbers were changed twice, does that mean the agreement was varied? or not necessarily .

[Diana M]

Re: Proof of identity

I have made a SAR request to Vanquis. and they sent me back an application form exactly as Lowells but with a different account number on it. The rest of details including the time and date of the application etc.are exactly the same

. . . The question is : Is it possible and legal for Vanquis to have issued me with more than one account under one application?
Lowell is chasing me for a credit card debt that has a totally different account number to what Vanquis has provided me with.
Also the application was in 2009 , Lovell ahs provided a list of transactions that start in 2010 , so did I have accredit card and not used it for a year?

So you've filed your WS and are now preparing for the hearing. You are wisely running forensics over the documents which Lowells have produced.

You've received your SAR from Vanquis and you've spotted what appears to be an inconsistency with the document (credit agreement) in the SAR and the document which Lowells have produced for the court.

You're asking yourself whether it's possible that the original creditor opened two accounts for you. Maybe the question is: has Lowells produced an inaccurate reconstituted version?

You say everything else on the agreement is the same except for the date. Have you got the Transaction Log included in your SAR so you can see when the account was opened etc etc?

Di

[nemesis45]

Re: Proof of identity

I have made a SAR request to Vanquis. and they sent me back an application form exactly as Lowells but with a different account number on it. The rest of details including the time and date of the application etc.are exactly the same I had a freemans account with them but I paid it off in 2010 and it shows as satisfied on my credit report. The question is : Is it possible and legal for Vanquis to have issued me with more than one account under one application?
Lowell is chasing me for a credit card debt that has a totally different account number to what Vanquis has provided me with.
Also the application was in 2009 , Lovell ahs provided a list of transactions that start in 2010 , so did I have accredit card and not used it for a year? it is all very strange. From the list of transactions around £835 was spend and the rest up to £2150 are charges

Hello Icrina,

It is possible I've seen one case where a credit card account in the name of the bank was issued side by side with a store branded card it took some time to sort out.

BTW Lowell being as helpful as usual change account numbers to suit there system.
You could state that you have never held and account with the number quoted!
It will be interesting to see what the SAR shows up.

nem

[icrina53]

Re: Proof of identity

You would need to get permission to amend your defence Icrina,
What is the "favourable" information"?

nem

I have made a SAR request to Vanquis. and they sent me back an application form exactly as Lowells but with a different account number on it. The rest of details including the time and date of the application etc.are exactly the same I had a freemans account with them but I paid it off in 2010 and it shows as satisfied on my credit report. The question is : Is it possible and legal for Vanquis to have issued me with more than one account under one application?
Lowell is chasing me for a credit card debt that has a totally different account number to what Vanquis has provided me with.
Also the application was in 2009 , Lovell ahs provided a list of transactions that start in 2010 , so did I have accredit card and not used it for a year? it is all very strange. From the list of transactions around £835 was spend and the rest up to £2150 are charges

[Diana M]

Re: Proof of identity

You would need to get permission to amend your defence Icrina

The OP does not need to amend her Defence.

These documents relate to the WS which she has recently filed and she feels she has omitted evidence which she should have included in that WS or exhibited with it.

Di

[nemesis45]

Re: Proof of identity

Thank you for that , WS has been sent last week already but I have just found some documents that I believe will be in my favour , so I was just wondering if I can still send them to the court , as a supplement for my WS

You would need to get permission to amend your defence Icrina,
What is the "favourable" information"?

nem

[icrina53]

Re: Proof of identity

Hello Icrina,

There's template WS in the green box above make a draft WS and post here and we will go through it with yoy.

nem

Thank you for that , WS has been sent last week already but I have just found some documents that I believe will be in my favour , so I was just wondering if I can still send them to the court , as a supplement for my WS

[nemesis45]

Re: Proof of identity

Hello Icrina,

There's template WS in the green box above make a draft WS and post here and we will go through it with yoy.

nem

[charitynjw]

Re: Proof of identity

AfaIk, it should be ok.

Same format as before (Header (Claimant v icrina) Claim no XXXXXXXX).
SUPPLEMENTAL WITNESS STATEMENT (DEFENDANT)
Signed statement of truth.
1 copy to court, 1 to Claimant's sols.
Covering letter - "Please find enclosed supplemental WS"
Proof of posting where applicable.

I'll give @Diana M , @nemesis45, [MENTION=551]pt2537[/MENTION] & @R0b a nudge for further input.

[icrina53]

Re: Proof of identity

Ok

If it were me* I wouldn't send any documents to anyone without instructions from the court.

There's no harm in drafting a WS, though. It could serve as an aide-memoire for the prelim.

*Others may have different thoughts.

Hello,

Just a aquick question maybe you can help me with:
I sent my witness statement last week as instructed by the court, but now I have found some paperwork related to the case. Will it be ok to send along with a cover letter or should I wait until the court date?

[icrina53]

Re: Proof of identity

Because now they have provided a list of transactions and terms and conditions

[Diana M]

Re: Proof of identity

the Judge decided is not an abuse of process Lowell second claim

What reason did the DJ give for his decision?

Di