Start of my diary

[Warwick65]

That’s good. I as just checking, didn’t want you receiving a CCJ by mistake. I see now you did correct it after Di made the same comment.

[Strepsi]

Why box B ? That admits some of the claim. I would be ticking D

Box B was written in error, I believe I corrected this in my reply to Di.

[Warwick65]

Why box B ? That admits some of the claim. I would be ticking D

[Strepsi]

Today received LBC, going to reply next week. Will be ticking box B.

This one fascinates me...

Updated

Just been advised from Niddy that the agreement is Unenforceable. Which is good news.

Also regarding the SAR that I received from Creation, will Lowell possess the same documents for example, Default Notice. I understand sometimes they don't get given all the information when they purchase a debt (or something like that).

The reason for the question as the supporting documents that I got from SAR don't have any accurate information for example no amounts, incorrect name and date on all documents (Default etc).

[Strepsi]

send copy CCA to:- webmaster@all-about-debt.co.uk refer to this thread

Sent now, Cheers.

[The Tech Clerk]

send copy CCA to:- webmaster@all-about-debt.co.uk refer to this thread

[Strepsi]

Then maybe you should send it to Niddy to help you to know where you stand?

Lowell and other debt purchasers often send responses to a CCA Request with a covering letter which says "we now consider the debt to be enforceable".

A Judge may 'consider' things differently

In my Santander v Diana Mayhew case the DJ ruled that they had satisfied s78 CCA because they had sent me 'something', but that 'something' didn't satisfy other legal arguments > https://www.bailii.org/ew/cases/Misc/2012/14.html

Di

Sent you email Di.

[PlanB]

I aren't sure whether I have sent CCA to Niddy.

Then maybe you should send it to Niddy to help you to know where you stand?

Lowell and other debt purchasers often send responses to a CCA Request with a covering letter which says "we now consider the debt to be enforceable".

A Judge may 'consider' things differently

In my Santander v Diana Mayhew case the DJ ruled that they had satisfied s78 CCA because they had sent me 'something', but that 'something' didn't satisfy other legal arguments > https://www.bailii.org/ew/cases/Misc/2012/14.html

Di

[Strepsi]

Was that Niddy's opinion ?

They'll have other things they need to comply with so don't lose heart yet.

Di

I aren't sure whether I have sent CCA to Niddy.

The default notices are very odd looking, compared to the default that we have. The SAR came direct from Creation

[PlanB]

They have complied with the request.

Was that Niddy's opinion ?

They'll have other things they need to comply with so don't lose heart yet.

Di

[Warwick65]

Well you could ask who owned the debt in-between and therefore what about the assignments. If A owns in until 1st and B owns it from the 6th , A can not have sold it to B- do you see what I men?

Of course I suppose if the claimant was switched on or the judge not experienced in consumer credit who knows what explanations they might come up with.

[Strepsi]

I notice you say the sold dates differ- is that a case of not knowing who had the debt for a while or did two entities perhaps own if for a while? If there is a gap in the dates, well just where did it go, also on the SAR does it just say sold or does it say who it was sold to?

There are loads of anomalies contained in the info received via my SAR.

I think date is an inputting error where they have taken the American version of where the month is placed.

However the sold date (Creation) and letter received from Lowell stating sold date does appear to be quite a few days different. Not sure of how much a big deal that would be.

[Warwick65]

I notice you say the sold dates differ- is that a case of not knowing who had the debt for a while or did two entities perhaps own if for a while? If there is a gap in the dates, well just where did it go, also on the SAR does it just say sold or does it say who it was sold to?

[Strepsi]

Did you mean Box B (admitting you owe some of the debt but not all of it) or did you mean Box D (disputing the debt)?

Am I right in thinking Lowell haven't complied with your CCA Request?

Di

Sorry Box D.

They have complied with the request.

[PlanB]

Today received LBC, going to reply next week. Will be ticking box B.

This one fascinates me...

Did you mean Box B (admitting you owe some of the debt but not all of it) or did you mean Box D (disputing the debt)?

Am I right in thinking Lowell haven't complied with your CCA Request?

Di