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Moon phases


TESCO CREDIT CARD & LOWELLS

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Post by mongoose on Sun Jan 19, 2020 6:34 am

Mrblue wrote:......as these courts operate under common law and not statute law

Actually it is the opposite. The courts act under Statute Law. Some are trying to set up common law courts and have been posting on these forums, but this has not gained progress yet.

They have been removing common law from us for decades. The wins in court are using the consumer credit act which is statute. I do not believe there has been any consumer debt  case won in the last 20 years (even much further back than that) using common law.

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Post by Mrblue2015 on Sun Jan 19, 2020 8:46 am

@mongoose wrote: I do not believe there has been any consumer debt  case won in the last 20 years (even much further back than that) using common law.

Not the point I was trying to make but never mind Smile

Please can we now respectfully return this thread to it’s owner, Ithesoul.

However, you are welcome got provide further comment using the following thread which provides more comment around the Estoppel etc Smile

https://goodf.forumotion.com/t3256-2-new-letters-received-from-dca-acting-as-agents-on-behalf-of-client-please-advise#21626
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Post by Ithesoul on Wed Feb 05, 2020 11:59 am

Hi Mrblue
I have today received a Money Claim from the Northampton County Court Business Centre the claimant being Lowell Portfollio I Ltd.
I did not receive a Letter before action from Lowell Solicitors & hence was a bit surprised to get the claim!!.
I would be grateful if you could advise/recommend how to proceed from hear?

Many thanks.
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Post by Mrblue2015 on Wed Feb 05, 2020 3:16 pm

As you say, you should have received a LBA!

Will allow someone like Waylander62 to help you out here and this type of advice is out of me remit I'm afraid (for now...)

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Post by Ithesoul on Wed Feb 05, 2020 3:24 pm

Hi Mrblue
Thanks, I will look forward to hearing from Waylander62.

Thanks for your advice to date.
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Post by waylander62 on Wed Feb 05, 2020 3:42 pm

do you plan to defend this claim ? that has to be my 1st question.

what about the SAR you sent to tesco, has anything come back from them yet ?

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Post by Ithesoul on Wed Feb 05, 2020 6:43 pm

Hi Waylander
It depends, does the fact that I did not receive a formal letter before action give me an angle to challenge the claim?.

I have the SAR back from tesco but need to go through the information with a fine tooth comb!.

Best wishes
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Post by waylander62 on Wed Feb 05, 2020 11:23 pm

it is an argument but is unlikely to change the outcome maybe not have to pay any costs ?

because a claim has been issued concentrate on the SAR for specific things

agreement
T & C's
default notice
termination letter
assignment

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Post by Ithesoul on Thu Feb 06, 2020 2:17 pm

Hi Waylander62
Thanks for the reply, I will go through the SAR info & let you know.

Best wishes
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Post by waylander62 on Thu Feb 06, 2020 8:24 pm

first of all you need to

i) acknowledge service
ii) send an official CCA request
iii) SAR to the OC has already been done

a part 18 request would be a good idea based on their particulars of claim

then start to put together a defence

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