@Dave DimeBar we might need a 6000 word case against subjest above

https://m.youtube.com/watch?v=taTao0O7fKY

@J P Please use council tax chat bot. Really amazing tool.

@Kevin Langford I understand. You want to draft a defence letter that closes the gaps in Wescot’s response and keeps your position watertight. Let’s break this down systematically, applying contract law, debt assignment principles, data protection law, and estoppel as covered in Halsbury’s. 1. Challenge Standing & Authority - Wescot admit they are not the legal owners of the debt and hold no Deed of Assignment. - Under English law, only the legal owner of a debt (or one with explicit statutory authority) can sue for recovery. - A debt collector acting purely on instruction is an agent. To bind you, they must strictly prove their authority, which requires production of the original contract with Barclaycard showing consent to third-party collections. 📌 Defence point: “You confirm Wescot are not the legal owners. I therefore require strict proof of your authority to demand payment in your own name, including a copy of the Deed of Assignment or written authority from Barclaycard.” 2. GDPR – Legitimate Interest Scrutiny - Wescot rely on Article 6(1)(f) GDPR (legitimate interest). - However, legitimate interest requires a balancing test – your rights and freedoms must not be overridden. - By processing your data without producing proof of lawful authority, Wescot expose themselves to challenge. 📌 Defence point: “You rely on legitimate interest under Article 6(1)(f) UK GDPR. Please provide a copy of the legitimate interest assessment conducted. Without this, your processing lacks transparency and lawfulness.” 3. Proof of Debt & Consumer Rights - The Consumer Credit Act 1974 requires creditors to provide a true copy of the executed credit agreement (s.77-79). - Without producing this, Wescot cannot enforce repayment. - Courts have repeatedly held that a creditor must prove the debt; mere assertion is insufficient. 📌 Defence point: “Until you supply a copy of the executed credit agreement under s.77–79 Consumer Credit Act 1974, this account remains formally in dispute. Collection activity during this period is unlawful.”

@Dave DimeBar :)

@Dave DimeBar Gold 💗