Lowell Letter of Claim

Received today do I send this
Your Address

Their address

Date

Reference Number:

Dear Sirs,

Re: Your Client - xxxxx Limited
Practice Direction - Pre Action Conduct
Section 7 - Exchanging information before starting proceedings
Annex A Section 4 - Defendant’s full response

With regard to your letter dated xxxxx 2015, which threatened me with Legal Action, I take this to be a Letter before Action under the above named Practice Direction and as such I am responding accordingly.

As you have indicated you are acting on behalf of xxxxx Limited in this action, I assume you are authorised to accept service of documentation, therefore, please accept this as a Defendants Full Response as specified in Practice Direction - Pre Action Conduct Section 7 (detailed in Annex A - Section 4) and a Request for Further Information in accordance Section 7 (detailed in Annex A Section 4.2 (7)), by way of Service Upon You and your client.

Defendant’s Full Response

In accordance with Practice Direction - Pre Action Conduct Section 7.1 (2) (as detailed in Annex A - Section 4.1) - I absolutely and categorically deny any indebtedness to your client and as such put your client to the Strictest of Proof, the reasons being:

i) Prior to your letter, I have never received any correspondence from your so called client, correctly addressed to me, I have no knowledge of your client, nor have I received any of the Statutory Default Notices required in respect to an alleged debt.

ii) I have never entered into any Legal Agreement or Contract with your client, for any monies or specifically for the alleged amount of £xxxxx.

iii) I also, neither accept nor acknowledge the assertion any debt has been Legally Assigned to your client.

Documentation Requested under Practice Direction - Pre Action Conduct
Annex A Section 4.2 (7) - Request for Further Relevant Information / Documentation

Therefore, under the provisions of Practice Direction - Pre Action Conduct - Annex A Section 4.2 (7) I request the following documentary proof of your Clients assertions of a Legal Obligation, to be provided to me within 40 days of the post marked date of this letter.

I. Pursuant to s.77-79 of the Consumer Credit Act 1974 (CCA1974) copy of the Original Signed Consumer Credit Agreement, along with a copy of the original Terms & Conditions and any and all subsequent changes in said Terms & Conditions.

II. Statements of the Account referred to, including details of all payments made and calculation of how interest was charged against each item, leading to the Alleged Debt of £xxxxx.

III. Also, as this is an Alleged Debt, I believe Default Charges may have been applied to the Account and as such may be unlawful under the Unfair Consumer Contract Terms Regulations 1999, therefore, I would request details of each and every Default Charge applied to the Account (i.e. if the charge was for ‘Administration’ what Administration was undertaken to support the Default Charge) along with details of any Interest Charged against each Default Charge applied.

IV. A copy of the Default Notice from the original owners of the Alleged Debt and Certified Copies of how this was served upon me.

V. A copy of the Legal Assignment of the Agreement, including a copy of the Deed of Assignment and / or Deed of Tripartite Novation.

VI. A copy of how I was served with the Alleged Legal Assignment.

VII. A copy of the Alleged Notice of Assignment sent by the original creditor to the Defendant and again how this was Served upon me.

Should proceedings commence against me and your client fail to provide each and every document requested, I will make an N244 Application to the Court to Stay your Client’s claim until the request is complied with and request the Court impose Sanctions against yourself and your client for failure to adhere to the provisions of the above mentioned Practice Direction. Also please be aware, each document listed is required to provide legal proof of your client’s contention of a legal indebtedness towards them and again, should your client fail to produce said documentation and Proceedings Commence against me, as a part of my defence I will re-request production of each and every document under CPR 31.1 (2).

Please note, where I have mentioned a document and there is in your clients possession more than one version of that same document owing to a modification, obliteration or other marking or feature, each version will be a separate document and you must provide a copy of each version of it to me. Your obligations extend to making a reasonable and proportionate search for any version(s) to include an obligation to recover and preserve such version(s) which are now in the possession of a third party.

I look forward to your response in due course.

Yours faithfully,

No, that's a really old version, there should be a newer version on the site - if you can't find it PM me tomorrow and I'll dig it out.

Ok thanks Tiggy

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Hi, this feed is relevant to me and I cant find the newer version on this site, can anyone help?

https://goodf.forumotion.com/f37-new-letters-process

Thanks for that but my circumstances are a little more complicated I'll start a new thread

This is the latest reply

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Just got this through signed

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With this letter ...am I now gonna have to pay?

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hi trimstar , the image 2nd up from here is not readable at the resolution . 800 px will just do one sheet a4 not an extended one .
if you try an image hosting site you can use the full resolution photo without worrying about file size.

Hi the letter is unreadable apart from signatures it's such a poor quality photocopy will post again full resolution but as said really unreadable

https://flic.kr/p/27jRFy1

I would reply to them straight away telling them politely that

unfortunately you are unable to verify the documents that they have provided due to them being unreadable,  could they please provide a legible copy as required under CCA.

keep it simple, it can be that the courts ( if it goes that far) will look upon it as if it is not rebutted then it will be deemed as accepted, so DONT accept it.

Ok shall I make it short and to the point?

I would bet thats all they have got, and will not be able to supply anything readable. As waylander said ,rebut it.

Ok will do shall I return it with my reply?

yes make it short and to the point, no need for anything else.

quote this too, it may help

Consumer Credit (cancellation Notices & Copies of Documents) Regulations 1983
Legibility of notices and copy documents and wording of prescribed Forms

2. (1) The lettering in every notice in a Form prescribed by these Regulations and in every copy of an executed agreement, security instrument or other document referred to in the Act and delivered or sent to a debtor, hirer or surety under any provision of the Act shall, apart from any signature, be easily legible and of a colour which is readily distinguishable from the colour of the paper.

no i wouldnt send it back,

they may try and send you another more readable copy, which may differ from the one you have got, that way you can catch them out trying to alter documents to gain an advantage.

always keep everything together and in order especially when it reaches this critical stage.

Thanks

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After replying to them with the advice given above I have this morning received this in the post(see link). How should I respond? Thanks
https://flic.kr/p/2btLY14

repeat your previous letter, quoting the above section of the act i posted previously.

also in your reply to their letter before action did you ask for any other documents ? if you did than add to the next letter that you are still waiting for the other documents requested.