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credit allergy

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  1. However if you did I would be surprised to see the so called word nor in any English dictionary. I am surprised you are not able to tell me why some borough libraries were closed as you appear to be a human encyclopedia!
  2. so as you have such strong opnions on this thread can you please answer my earlier post about libraries being closed on what you call a normal working day. You are quite correct the date of this offence does not make it ok. I was making a point which I had deemed relevant reading the earlier posts. Which was that some contributors felt the issuing of an fpn on the 26th of December was harsh. Accordingly I labelled this view as questioning the style of enforcement.
  3. It is the style of enforcement that has been questioned.
  4. Yes but in the case of old debts surely if they are contained on seperate documents there has to be a link. I have received Tand Cs but there is no link to the application form or any other document purporting to be a cca UNDER THE 1974 ACT.
  5. Having been succesful at a county court last year I find all the previous posts quite interesting. Whilst researching my case I read all the relevant posts etc. I even consulted a solicitor and debt helplines. The thing I learnt is that the final decision is yours and nobody can predict the case outcome. For every stated case in support there will be another one against. The secret is to choose your point and stick to it not go off at different tangents. Do not get wrapped up in consipiricay theories unless you want to sell a book or make a documentary. The success is in making your point, in court if neccesary this is why the legal skill of mooting is practised on legal courses. So to conclude read and digest everything you can because remember you will know your case inside out whilst your opponents legal team will be dealing with many other cases and other distractions. So research , prepare and stick to one point. Hope this helps. My success was a £22,000 refund of an ERC.
  6. so how would i defend it if it went to new dca for example after six years could i raise set aside arguement at a later date and what would my reasons be for non payment so far.
  7. The reason the cca was important was that if set aside was succesfull and they restarted proceedings I would have a defence also the court could see i had a chance of success. I understand about six years but is that not just for credit file purposes are they not allowed to enforce. thanks for your replies so far.
  8. I was about to be repossessed so papers went into a big pile. On joining this site in 2007 cca'd them but on checking paperwork found ccj by default. solictors said they were not enorcing and creditor said they were having difficulties with cccas. Earlier this year dca contacted me but heard nothing since. So i wonder whether it is worth £75.00 for a set aside. Obviously my arguement is weakened by the time that has elapsed however I did cca them in 2007 also Some info suggests there is no time limit for an application
  9. unfortuantely there is a specfic offence of opening a car door dangerously.
  10. I received default ccj in 2005 during repossession. In 2007 found that ccj had been issued but there was no cca for the credit card. No enforcement has been taken. Is it to late to apply for a set aside as I feel confident as there is no CCA
  11. how long is the weather allowed as an excuse/reason for planes etc to be in the wrong place. Although I understand the warnings about taking action are well meant, many stated cases have occured against conventional legal thinking. So in otherwords somebody might pursue a case and the court rules that weather reasons are not acceptable.
  12. Thats very useful thank you. Although you will see subsec 6 applies where delay in particulars being received from DVLA takes place. So basically a request must be in time for the pcn to be valid. So I suppose this is to allow against non registering of owners details etc.
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