County court claim from Lowell Portfolio for a Studio Gifts debt

[Amethyst]

Re: County court claim from Lowell Portfolio for a Studio Gifts debt

YIp the PDF is good

When you first placed an order with Studio do you remember how you did it?

Did you actually sign an agreement ? ( this copy doesn't look to be signed - and the date is printed which indicates this isn't a copy of the original that you completed and signed so would be a recon )

Also do you recall what the charge was for not paying by DD ? there's quite a big difference between APR for DD payers and other methods ( 22% v 44% ) ( they still do same now - https://www.studio.co.uk/content/terms-your-account )

( non - cancellable ?? )

Did you have their form of PPI btw? and did they pay you back? ( https://www.fca.org.uk/news/press-re...redress-scheme )

[charitynjw]

Re: County court claim from Lowell Portfolio for a Studio Gifts debt

When you first placed an order with Studio do you remember how you did it?

Used the TARDIS?

Express gifts didn't have the Accrington address until July 2010.
https://s3-eu-west-1.amazonaws.com/d...pL4oyvqhzgU%3D

Address in 2000
https://s3-eu-west-1.amazonaws.com/d...tNEoz7ahzgU%3D

[Leego59]

Re: County court claim from Lowell Portfolio for a Studio Gifts debt

YIp the PDF is good

When you first placed an order with Studio do you remember how you did it?

Did you actually sign an agreement ? ( this copy doesn't look to be signed - and the date is printed which indicates this isn't a copy of the original that you completed and signed so would be a recon )

Also do you recall what the charge was for not paying by DD ? there's quite a big difference between APR for DD payers and other methods ( 22% v 44% )

( non - cancellable ?? / default charges £20 )

It's been a long time so I can't really remember but I think I filled in an order form and sent it by post . I can't remember signing the credit agreement. As for the DD, I had no idea I was being charged such a difference for not paying by DD

I think while I was a customer of express gifts I've paid about £300 maybe more in default charges cause sometimes I'd have to pay two lots of payments cause the due date fell short of 2 days before I got played it was a nightmare

[Leego59]

Re: County court claim from Lowell Portfolio for a Studio Gifts debt

Used the TARDIS?

Express gifts didn't have the Accrington address until July 2010.
https://s3-eu-west-1.amazonaws.com/d...pL4oyvqhzgU%3D

Address in 2000
https://s3-eu-west-1.amazonaws.com/d...tNEoz7ahzgU%3D

It's got the Accrington address on the agreement

[Amethyst]

Re: County court claim from Lowell Portfolio for a Studio Gifts debt

lol, and the Distance Marketing regs 2004

Sorry I was being bugged by the non-cancellable bit - why would it be non cancellable?

Were studio a catalogue on doorstep type seller thing?

[charitynjw]

Re: County court claim from Lowell Portfolio for a Studio Gifts debt

It's got the Accrington address on the agreement

Yep!

[Leego59]

Re: County court claim from Lowell Portfolio for a Studio Gifts debt

Yep!

So it's not the original copy?

- - - Updated - - -

lol, and the Distance Marketing regs 2004

Sorry I was being bugged by the non-cancellable bit - why would it be non cancellable?

Were studio a catalogue on doorstep type seller thing?

No it was just a Christmas gifts catalogue

[Amethyst]

Re: County court claim from Lowell Portfolio for a Studio Gifts debt

Express gifts LEFT the Accrington address in 2010

30 Dec 2010

Registered office address changed from Church Bridge House Henry Street Church Accrington Lancashire BB5 4EH on 30 December 2010

View PDF ( Registered office address changed from Church Bridge House Henry Street Church Accrington Lancashire BB5 4EH on 30 December 2010 - link opens in a new window ) (1 page)

Ahhh

05 Jul 2010

Registered office address changed from Burley House Bradford Road Burley in Wharfedale Ilkley West Yorkshire LS29 7DZ on 5 July 2010

View PDF ( Registered office address changed from Burley House Bradford Road Burley in Wharfedale Ilkley West Yorkshire LS29 7DZ on 5 July 2010 - link opens in a new window ) (1

did a bit of moving about then - moved for 3 days? lol. https://beta.companieshouse.gov.uk/c...history?page=4


The Distance Marketing regs kill it anyway.

[Amethyst]

Re: County court claim from Lowell Portfolio for a Studio Gifts debt

Still bugging me on the cancallable bit - looking at original cca 1974 I don't think it needed to be but not sure exactly why.....

Anyhoo ... Is the date of the agreement correct ( 27/9/2000 ) ? just so they can't claim that's a typo etc.


( your links don't work Charity btw hence trying to look it up )

[charitynjw]

Re: County court claim from Lowell Portfolio for a Studio Gifts debt

Express gifts LEFT the Accrington address in 2010

30 Dec 2010

Registered office address changed from Church Bridge House Henry Street Church Accrington Lancashire BB5 4EH on 30 December 2010

View PDF ( Registered office address changed from Church Bridge House Henry Street Church Accrington Lancashire BB5 4EH on 30 December 2010 - link opens in a new window ) (1 page)

Ahhh

05 Jul 2010

Registered office address changed from Burley House Bradford Road Burley in Wharfedale Ilkley West Yorkshire LS29 7DZ on 5 July 2010

View PDF ( Registered office address changed from Burley House Bradford Road Burley in Wharfedale Ilkley West Yorkshire LS29 7DZ on 5 July 2010 - link opens in a new window ) (1

did a bit of moving about then - moved for 3 days? lol. https://beta.companieshouse.gov.uk/c...history?page=4


The Distance Marketing regs kill it anyway.

Yep, seems they moved to Accrington in July 2010, & moved again Dec 2010
https://beta.companieshouse.gov.uk/c...history?page=3
(Does that link work?)

[Leego59]

Re: County court claim from Lowell Portfolio for a Studio Gifts debt

Express gifts LEFT the Accrington address in 2010

30 Dec 2010

Registered office address changed from Church Bridge House Henry Street Church Accrington Lancashire BB5 4EH on 30 December 2010

View PDF ( Registered office address changed from Church Bridge House Henry Street Church Accrington Lancashire BB5 4EH on 30 December 2010 - link opens in a new window ) (1 page)

Ahhh

05 Jul 2010

Registered office address changed from Burley House Bradford Road Burley in Wharfedale Ilkley West Yorkshire LS29 7DZ on 5 July 2010

View PDF ( Registered office address changed from Burley House Bradford Road Burley in Wharfedale Ilkley West Yorkshire LS29 7DZ on 5 July 2010 - link opens in a new window ) (1

did a bit of moving about then - moved for 3 days? lol. https://beta.companieshouse.gov.uk/c...history?page=4


The Distance Marketing regs kill it anyway.

Its got the agreement is between express studio ltd trading as studio whose principal postal address is at church bridge house accrington lancs bb5 4ee and you the person detailed below

[Amethyst]

Re: County court claim from Lowell Portfolio for a Studio Gifts debt

Anyhoo ... Is the date of the agreement correct ( 27/9/2000 ) ? just so they can't claim that's a typo etc.

On this - last payment 2011 and defaulted 2012 - that'd be quite a long time to have a studio card account ( as I recall they were pretty crap christmas card over priced wrap and gifts stuff - so to stick with them for 11 years would be quite an acheivement ( no offence meant by that btw) )

[Amethyst]

Re: County court claim from Lowell Portfolio for a Studio Gifts debt

Yep, seems they moved to Accrington in July 2010, & moved again Dec 2010
https://beta.companieshouse.gov.uk/c...history?page=3
(Does that link work?)

yip thanks xx I guessed they were co house links as I do the same with the bloody amazon aws linkages breaking.

[Amethyst]

Re: County court claim from Lowell Portfolio for a Studio Gifts debt

Its got the agreement is between express studio ltd trading as studio whose principal postal address is at church bridge house accrington lancs bb5 4ee and you the person detailed below

like this one http://i249.photobucket.com/albums/g...ther/mycca.jpg

See this bugs me too on the address as this was on a thread posted in 2008 umm here -> http://www.consumeractiongroup.co.uk...-me-off./page2

Should the creditor address not be their registered address not their postal address?

( Still the FS(DM)2004 kill it if the 2000 date is right - the address issue is just annoying me now)

[Leego59]

Re: County court claim from Lowell Portfolio for a Studio Gifts debt

On this - last payment 2011 and defaulted 2012 - that'd be quite a long time to have a studio card account ( as I recall they were pretty crap christmas card over priced wrap and gifts stuff - so to stick with them for 11 years would be quite an acheivement ( no offence meant by that btw) )

Tell me about it they were crap but when needs must so id been a customer for 11 years and they couldnt come to some arrangement when i needed help they didnt even answer the letter i sent them about I difficulties
Shall I still put the section of statue barred in my defence if I sent them that letter on 11/11/11 I also corresponded with them by email on 30/12/11 but it was sent from my sons email address and when they sent one back they addressed it to my sister's name ( totally different name) who I was living with at the time