Lowell goaty22

[MIKE770]

Re: Lowell goaty22

vanquis if you did that would give it to lowells who own it now.

[Goaty22]

Re: Lowell goaty22

Thanks for clarifying it Mike770! It will have to go to a charity in the future then.

[charitynjw]

Re: Lowell goaty22

It will have to go to a charity in the future then.

Thanks, Goaty.
Usual arrangements.....brown paper bag, used tenners, leave in the pre-arranged secret 'drop'

[Goaty22]

Re: Lowell goaty22

Thanks Charitynjw, i will remember once i get LOWELL off my back.

Is there a donation area on this website? I have not seen it. If not there should be one for the great service available here.

[Goaty22]

Re: Lowell goaty22

Please check my defense as i am going to send it online tonight:

I received the claim ####### from the Northampton County Court on xx xxx 2017


2: Each and every allegation in the Claimants statement of case is denied unless specifically admitted in this Defence.

3: This claim is for a Credit Card agreement regulated under the Consumer Credit Act 1974.

4: It is admitted that the Defendant has previously entered into an agreement with Vanquis for provision of credit.

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

5. It is denied that Vanquis served any Default notice on the Defendant pursuant to s87 Consumer Credit Act 1974. The Claimant is required to prove that a compliant Default Notice was served upon the Defendant.

6: On the 09^th March 2017 I sent a request for inspection of documents mentioned in the claimants statement of case under Civil Procedure Rule 31.14 to LOWELL Solicitors. I requested the Claimant provide copies of the Agreement, Formal demand, Default Notice and Notice of Assignment.

7. LOWELL Solicitors has failed to send me copies of the Agreement, Formal demand and Default Notice requested.


8 The right to seek relief arises once the debtor has failed to comply with lawful demands within the requisite time period of 14 days from the date of being served a valid Default Notice as provisioned for under a section 88 of the Consumer Credit Act 1974.


9 In the absence of service of a Default Notice, no right arises under section 87 of the Consumer Credit Act 1974 to claim relief from the debtor.


10 I would therefore ask the court to consider that as the claimant has not issued a Default Notice to the defendant, the claimant has no legal right to seek relief.


13 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.


14 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.



15 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.



16 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.

[Goaty22]

Re: Lowell goaty22

I have not heard from Lowell since they send me the dodgy notice of assignment. I did not receive the agreement, default notice , statements as well as a genuine copy of the notice of agreement requested. I have now sent the defense letter online and by post.

[Goaty22]

Re: Lowell goaty22

Nothing from Lowell and the court yet. Is this normal?