** settled ** County Court Claim Form Lowell Portfolio I Ltd

[charitynjw]

Re: County Court Claim Form Lowell Portfolio I Ltd

11: The Claimant has failed to comply with s78(1) Consumer Credit Act 1974 and by virtue of s78(6) Consumer Credit Act 1974 cannot enforce the agreement.

IFYPFY

[DezzyB]

Re: County Court Claim Form Lowell Portfolio I Ltd

Thank you, I will amend my Defence

With regards to the difference in dates between the Notice of Claim Issue and the Court Claim Form, can I put this in my Defence?


Thanks

[DezzyB]

Re: County Court Claim Form Lowell Portfolio I Ltd

Good Afternoon

i am am just going to submit my defence

can anyone answer my question in the post above please?


Many thanks

[warwick65]

Re: County Court Claim Form Lowell Portfolio I Ltd

Hi
I don't think it can be used as part of your defence but could be included as part of a witness statement .

I know you received the notice of claim nearly two weeks later but what was the date on it?

If it was dated after the claim you could add a paragraph towards the end saying the claimant did not follow pre action protocols in that the notice of claim dated xxxx was issued x days after the claim.

[DezzyB]

Re: County Court Claim Form Lowell Portfolio I Ltd

Hi

I included it in my defence

Is it something that could go against me?


Thanks

[DezzyB]

Re: County Court Claim Form Lowell Portfolio I Ltd

Good evening

I received a reply to my SAR today from Vanquis

They sent me:
List of translations and charges
Statement Balances

Does that mean this is all of the information they have or will they continue to send more information?

Thanks

[charitynjw]

Re: County Court Claim Form Lowell Portfolio I Ltd

Good evening

I received a reply to my SAR today from Vanquis

They sent me:
List of translations and charges
Statement Balances

Does that mean this is all of the information they have or will they continue to send more information?

Thanks

They should have sent you everything that is held on their databases.
In the past I have contacted the sender to verify that what has been sent is the total of all data held.
Sometimes what isn't there (but should be) is equally if not more important than the disclosed stuff.

[DezzyB]

Re: County Court Claim Form Lowell Portfolio I Ltd

Thank you

I will contact them to confirm they have sent everything on their database

[DezzyB]

Re: County Court Claim Form Lowell Portfolio I Ltd

Good evening

I have received a copy of the Directions Questionnaire from Lowell. I have also received the Questionnaire from the court. I'm filling it out now. Where it asks about witnesses, it says how many including yourself, do I put 1 in the box to include myself as a witness? They have put 0 on their form.
Also, do I need to send a copy to Lowell? I don't want to send them anything with my signature on it

Thanks

[MIKE770]

Re: County Court Claim Form Lowell Portfolio I Ltd

1 = you

copy to lowells also

[DezzyB]

Re: County Court Claim Form Lowell Portfolio I Ltd

Thanks MIKE770

Although I am worried that they may try to use my signature

[MIKE770]

Re: County Court Claim Form Lowell Portfolio I Ltd

just amend signature slightly and take copy = i.e. put a stroke in finely only you know slight change, but to be honest there is no proof that this has happened or been reported? and regarding Lawful papers then it would be a criminal offence.

[warwick65]

Re: County Court Claim Form Lowell Portfolio I Ltd

I think Mike's idea is good or use an anti tamper strip
[MENTION=49370]Kati[/MENTION] do we have one?

Although there is no proof, there seems some strong suggestions that all may not be as it seems at first sight. So it would be very wise to take precautions.

[MIKE770]

Re: County Court Claim Form Lowell Portfolio I Ltd

there is one we used years ago Ame probably knows where on here

[MIKE770]

Re: County Court Claim Form Lowell Portfolio I Ltd

found it