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    • In order for us to help you we require the following information:- [if there are more than one defendant listed - tell us] 1 defendant   Which Court have you received the claim from ? County Court Business Centre, Northampton   Name of the Claimant ? LC Asset 2 S.A R.L   Date of issue – . 28/04/23   Particulars of Claim   What is the claim for –    (1) The Claimant ('C') claims the whole of the outstanding balance due and payable under an agreement referenced xxxxxxxxxxxxxxxx and opened effective from xx/xx/2017. The agreement is regulated by the Consumer Credit Act 1974 ('CCA'), was signed by the Defendant ('D') and from which credit was extended to D.   (2) D failed to comply with a Default Notice served pursuant to s87 (1) CCA and by xx/xx/2022 a default was recorded.   (3) As at xx/xx/2022 the Defendant owed MBNA LTD the sum of 12,xxx.xx. By an agreement in writing the benefit of the debt has been legally assigned to C effective xx/xx/2022 and made regular upon C serving a Notice of Assignment upon D shortly thereafter.   (4) And C claims- 1. 12,xxx.xx 2. Interest pursuant to Section 69 County Courts Act 1984 at a rate of 8% per annum from xx/01/2023 to xx/04/2023 of 2xx.xx and thereafter at a daily rate of 2.52 to date of judgement or sooner payment. Date xx/xx/2023   What is the total value of the claim? 12k   Have you received prior notice of a claim being issued pursuant to paragraph 3 of the PAPDC (Pre Action Protocol) ? Yes   Have you changed your address since the time at which the debt referred to in the claim was allegedly incurred? No   Did you inform the claimant of your change of address? N/A Is the claim for - a Bank Account (Overdraft) or credit card or loan or catalogue or mobile phone account? Credit Card   When did you enter into the original agreement before or after April 2007 ? After   Do you recall how you entered into the agreement...On line /In branch/By post ? Online   Is the debt showing on your credit reference files (Experian/Equifax /Etc...) ? Yes, but amount differs slightly   Has the claim been issued by the original creditor or was the account assigned and it is the Debt purchaser who has issued the claim. DP issued claim   Were you aware the account had been assigned – did you receive a Notice of Assignment? Not that I recall...   Did you receive a Default Notice from the original creditor? Not that I recall...   Have you been receiving statutory notices headed “Notice of Sums in Arrears”  or " Notice of Arrears "– at least once a year ? Yes   Why did you cease payments? Loss of employment main cause   What was the date of your last payment? Early 2021   Was there a dispute with the original creditor that remains unresolved? No   Did you communicate any financial problems to the original creditor and make any attempt to enter into a debt management plan? No   -----------------------------------
    • Hello CAG Team, I'm adding the contents of the claim to this thread, but wanted to open the thread with an urgent question: Do I have to supply a WS for a claim with a court date that states " at the hearing the court will consider allocation and, time permitting, give an early neutral evaluation of the case" ? letter is an N24 General Form of Judgement or Order, if so, then I've messed up again. Court date 25 May 2024 The letter from court does not state (like the other claims I have) that I must provide WS within 28 days.. BUT I have recently received a WS from Link for it! making me think I do need to!??
    • Massive issues from Scottish Power I wonder if someone could advise next steps. Tennant moved out I changed the electric into my name I was out the country at the time so I hadn't been to the flat. During sign up process they tried to hijack my gas supply as well which I made it clear I didn't want duel fuel from them but they still went ahead with it. Phoned them up again. a few days later telling them to make sure they stopped it but they said too late ? had to get my current supplier to cancel it. Paid £50 online to ensure there was money covering standing charges etc eventually got to the flat no power. Phoned Scottish Power 40 minutes to get through they state I have a pay as you go meter and that they had set me up on a credit account so they need to send an engineer out which they will pass my details onto. Phone called from engineer asking questions , found out the float is vacant so not an emergency so I have to speak to Scottish Power again. Spoke with the original person from Scottish Power who admitted a mistake (I had told her it was vacant) and now states that it will take 4 weeks to get an appointment but if I want to raise a complaint they will contact me in 48 hours and it will be looked at quicker. Raised a complaint , complaints emailed me within 24 hours to say it will take 7 days till he speaks with me. All I want is power in the property would I be better switching over to EON who supply the gas surely they could sort it out quicker? One thing is for sure I will never bother with Scottish Power ever again.    
    • Hi. Please don't follow McD's advice to contact Met to appeal. They won't listen and you could end up giving them helpful information. HB
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    • We have finally managed to obtain the transcript of this case.

      The judge's reasoning is very useful and will certainly be helpful in any other cases relating to third-party rights where the customer has contracted with the courier company by using a broker.
      This is generally speaking the problem with using PackLink who are domiciled in Spain and very conveniently out of reach of the British justice system.

      Frankly I don't think that is any accident.

      One of the points that the judge made was that the customers contract with the broker specifically refers to the courier – and it is clear that the courier knows that they are acting for a third party. There is no need to name the third party. They just have to be recognisably part of a class of person – such as a sender or a recipient of the parcel.

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      OT APPROVED, 365MC637, FAROOQ, EVRi, 12.07.23 (BRENT) - J v4.pdf
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stewing steak, lamb shanks, lenor, lurpak, heineken, sausage rolls, philips DAB radio, ferrero rocher, wines, ainsley harriott instant soups, kenco rapport, mars celebrations, badger beers, case of grolsh (275ml) at £8.63 (but is this cheap) - same query for stella - £22.99 for 24 x 568ml, cadbury's drinking chocolate, fairy dishwasher tablets, tia maris (1 ltre) £11.49 plus handbags, womens slippers etc etc.

 

Grundip freeview box at £27.59 and breville handblender at 28.74.

 

All prices are with VAT

 

 

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I was a member of Cosco but I cancelled my membership after the first year. I deal with a few wholesalers and Cosco is the most expensive and you have to pay a fee to join. 'Proper' wholesalers do not charge a fee.

Joining Costco is not as exclusive as they make out. All you need is a bill from home (Thosands of people work from home) and make a letterhead on your computer with a random company name. I know a few people that have done this and it works perfectly.

 

All in all, I wouldnt go back when I can get it elsewhere for less but I do miss the prawns in brine. They were good and I cant find them anywhere else. Other than that, a complete waste of £20 for membership.

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  • 4 weeks later...

It's part of the civil service so the answer is 'yes'. I had to go there yesterday and whilst looking at membership criteria it said if you work for a bank, insurance company (things to do with finance), or if you are a chartered 'anything', education, travel company (I think) then you can join. Even working for an airline qualifies.

 

 

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  • 3 weeks later...

Going off at a tangent slightly but I found out today that the wholesale fruit and vegetable market her in Brum will sell to ordinary members of the public (as long as you are on foot) betwen the hours of 03:00 and 11:00.

 

Going to check it out next week before going to work. It must be true in other citries you would think. Lots of lovely shallots to pickle and cook with.

 

 

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Hello Folks!

 

Costco is a good place to shop provided you plan ahead.

 

The trick is to avoid the pretty Gadgets and household stuff you really don't need, and concentrate on the best of the Food and Fruit.

 

Do watch their Huge Cakes and Monster Bags of Biscuits etc, as they are still using Hydrogenated Fat (or they were), and that is a killer best avoided. That said, most of the rest is very good, fresh meat and fish etc

 

Also, note that most Food and Fruit is zero VAT!

 

Also, note that all Gadgets and things like luxuries, fancy Shampoo, make-up, toys for big boys etc etc, are also all plus VAT!

 

Also, note that booze is also all plus VAT!

 

Get the picture? Yes? That's it, avoid the plus VAT items.

 

Next time, grab a big Trolley or Basket, and limit yourself to Food and Fruit...and you will find yourself hard pushed to spend £200 before the thing is full! I do mean really full.

 

The Fruit is, on the whole, far better than most rip-off Supermarkets. Stays fresh for longer, provided you check the Date Codes...usually a number, and you want to pick the highest number there. So, dig around the piles, and reach to the back of the display, and you'll find higher Date Codes. The Costco staff are there to keep sorting the displays to pull the older Date Codes to the front, your job is to burrow back, mess up their display, and grab the freshest there is! It's their career choice, after all, and you are keeping them in a job, so they won't mind!

 

I can't praise it enough, but I am well aware how easy it is to spend an arm and a leg the first few visits...done that, read the book and shot the rabbit (in the dim and distant past when I once had some money the banks hadn't taken off me)!

 

Anyway, once you have bought all the Food and Fruit you need, then go back in for Booze and any Gadgets you must have! By then you'll know what is left from your budget, and will know exactly what you can spend on the plonk and the flashy Digital Camera with the magic erectile lens!

 

Finally, their Coupons can be good. Watch what is coming up, and take advantage of the offers...provided you merge them with a well planned shop as suggested above. With Christmas coming, a well-planned trip to Costco can really fit a good time into a tight budget.

 

I even use a Spreadsheet to plan the visits and, since we did that, we've had the last two Christmas budgets hacked without straying a penny over what limited funds we had available.

 

It also helps that they don't take Debt Cards, er, I mean Credit Cards. Um, no, right first time...Debt Cards! It's Cash or Debit Cards, and that also helps to keep things sensible I find.

 

I hope this helps.

 

Cheers,

BRW

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  • 3 weeks later...
  • 1 year later...

Costco is great but beware of letting people you don't know become members through your account. My parents have a business account and someone they know through a friend asked them to give them membership and as they didn't see the harm they did it for them. But one day as they were at the tills paying they got called into the managers office and were told that they were going to loose there membership because the people they introduced were caught stealing stuff. My father explained that he didn't really know them an apologies and luckily didn't take it away. He wont be doing that again.

 

M

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