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    • Hello, I wasn't able to update the defence, so they got the daft one.  Pra Group have responded dated 25th April saying they intend to proceed with claim. I have also received a stack of documents, similar to last time - print outs of old statements, but this time around they have send me a copy of the Barclay Card Conditions. Unsigned and dated. The address is an old address.  A consumer credit agreement with current address. Pages of it and no signature. I have uploaded onto a PDF what I have. The CCA agreement looks like a generic print out, I5 pages + long, I've included the 1st page that had my details on (redacted) don't know if its necessary to upload all of it.  Barclays 26042024.pdf
    • I suggested consideration of bankruptcy some years ago. It was not well received.
    • That is a superb WS. However, I have a few tweaks to suggest. In (2) "indicating" not "indication". I think to be consistent with your numbering, in (6) the Beavis case should be EXHIBIT 2. Do you really need to include over 100 pages of Beavis?  I think that would be likely to annoy the judge.  Just try and find the bit where they decide it was not a penalty due to having an interest in limiting the time that vehicles can stay. I'll have a look myself for this bit later as it's highly likely to be in WSs from PPCs who think that that paragraph means all their charges are valid always on every occasion. After your current (7) add this.  It's always useful to refer to a judgment when making a legal point - 8.  In the case PCM vs Bull, Claim No. B4GF26K6, where the Defendant was issued parking tickets for parking on private roads with signage stating “No parking at any time”, District Judge Glen in his final statement mentioned that: “the notice was prohibitive and didn’t communicate any offer of parking and that landowners may have claim in trespass, but that was not under consideration”.   In (14) if my maths are right the CPR request should be "EXHIBIT 3".  it is missing from your list of exhibits. In (16) the two figures should be £100 and £170.  They are entitled to increase fro,m £60 to £100, they are not entitled to increase to £170.  To make it clear for the judge I would write - 16. The Claimant has artificially inflated their claim for a £100 invoice to £170. This is simply a poor attempt to circumvent the legal costs cap at small claims. 17. The Claimant has also invented a second fictitious charge, for legal representative's costs, when they have no legal representative. You also need ot number your exhibits. The rest is excellent - well done.
    • Did you ever think of walking away? Become bankrupt and in 12 months it'll all be behind you. My feeling is that you may well get nothing from the sale of the property anyway. Going by the date this thread started it looks like eight years of arrears, lender's costs and receiver’s fees on top.
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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.
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London Personal Loans Limited


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Hi All!!

 

First post here although have been reading around for quite a while indeed..

 

I have a couple of technical questions that I can't find an answer to so far:

 

My partner and I took out a secured loan (regulated under CCA 1974) with London Personal Loans Limited - signed and dated by us on 7/6/06.

 

The loan agreement was executed on their side 13/06/06.

 

Mortgage Deed dated on their part 13/06/06.

 

However, after looking up the details held by Companies House London Personal Loans Limited changed their name to LANGERSAL NO.2 LIMITED on the 2/5/06.

 

Does this have any legal bearing on the validity of the agreement?

 

Next question:

 

According to recent letters from them and also included as part of Lightstones evidence pack this loan has been transferred to Southern Pacific Mortgages Limited t/a London Personal Loans.

 

Should we have received a formal notice of assignment when this took place?

 

Also, I notice that all letters from them are letterheaded with a London Mortgage Company logo & with a footer stating that London Mortgage Company is a trading name of Southern Pacific Mortgages Limited. However, doesn't the assignment imply that a legally correct letter should be headed with a London Personal Loans logo and with a footer stating that London Personal Loans is a trading name of SPML? Are these letters still technically legal then?

 

One final question: I've just found another letter dating from 13/06/06 (the letter that accompanies the cheque) that states, 'from today, your loan has been legally assigned to Southern Pacific Personal Loans Limited trading as London Personal Loans' - is any of this any use in creating a defence?

 

Many thanks in advance!!

 

ZillaK :)

Edited by ZillaK
corrections..
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Slight correction to the above post:

 

'from today, your loan has been legally assigned to Southern Pacific Personal Loans trading as London Personal Loans' and not limited as I stated above.

 

Additionally, this letter is on headed paper that states LPL is a trading name of SPPL Limited (company reg no 4096093)..

 

The evidence documents used by Lightstone state that the loan was assigned to Southern Pacific Mortgages Limited from London Personal Loans Limited and the charge on the property held by the Land Registry also states Southern Pacific Mortgages Limited.

 

Does this mean that I have evidence to challenge the registered charge held in title & that technically this is currently an unsecured loan because SPML don't actually have rights to title - SPPLL do?

 

ZillaK:)

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