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    • Good Evening, I've got a fairly simple question but I'll provide some context incase needed. I've pursued a company that has operations in england despite them having no official office anywhere. I've managed to find a site they operate from and the papers there have been defended so I know they operate there. They've filed a defence which is honestly the worst defence ever, and despite being required to provide their witness evidence, they have not and have completely ignored the courts and my request for copies of it. I'm therefore considering applying to strike out their defence on the grounds the defence was rubbish and that they haven't provided any evidence for the trial. However, it has a trial date set for end of june, and a civil application wouldn't get heard until a week before then, so hardly worth it. However, my local court is very good at dealing with paper applications (i.e ones that don't need hearings, and frankly I think they are literally like 1-2 days from when you submit it to when a Judge sees it. I'm wondering if I can apply to strikeout a defence without a hearing OR whether a hearing is required for a strikeout application.   Thanks
    • I have just opened another bank acc with lloyds (i have a few already) After doing some research they may have some relation to tsb or be apart of the same group will this cause me issue if my salary is paid into my lloyds account? Also, if the debts do go into default and nothing is paid then after 6 years it all goes away? As the DCAs cannot do anything? I do want to start paying in like 3/4 months or do you advise I leave it if it goes into default? again sorry for all the questions, i am just processing everything
    • one reply only  follow post 2 of letter of claim <<clickme link. dx
    • Sorry, I got confused  Yes, it states all three   Thanks, 
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    • Hello,

      On 15/1/24 booked appointment with Big Motoring World (BMW) to view a mini on 17/1/24 at 8pm at their Enfield dealership.  

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    • Housing Association property flooding. https://www.consumeractiongroup.co.uk/topic/438641-housing-association-property-flooding/&do=findComment&comment=5124299
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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.

      Please note that a recent case against UPS failed on exactly the same issue with the judge held that the Contracts (Rights of Third Parties) Act 1999 did not apply.

      We will be getting that transcript very soon. We will look at it and we will understand how the judge made such catastrophic mistakes. It was a very poor judgement.
      We will be recommending that people do include this adverse judgement in their bundle so that when they go to county court the judge will see both sides and see the arguments against this adverse judgement.
      Also, we will be to demonstrate to the judge that we are fair-minded and that we don't mind bringing everything to the attention of the judge even if it is against our own interests.
      This is good ethical practice.

      It would be very nice if the parcel delivery companies – including EVRi – practised this kind of thing as well.

       

      OT APPROVED, 365MC637, FAROOQ, EVRi, 12.07.23 (BRENT) - J v4.pdf
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Lee v RBS Credit Card


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Hi and welcome keep us up to date please

:) Go on ... you know you want to click me :)

:lol:don't be like the banks - give a little back :lol:

:D There was a time before CAG but now CAG is here we are the empowered! :D

In progress:

Mechs and Mother (deceased) V Halifax - N1 form filed at Court 9 Aug 06

Advice & opinions of mechs, The Consumer Action Group and The Bank Action Group are offered informally, without prejudice & without liability. Seek advice of a qualified insured professional if you have any doubts.

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  • 2 weeks later...

Letter received from RBS on 10th July 2006 saying they will deal with my request within the time scale. I have been working nights and am finding it hard to keep this thread up to date. I need to really study the site thouroghly again because I'm still awaitng confirmation of reciept from other organisations as well, which, surprise, surprise! have not arrived!

RBS Credit Card Paid in Full after LBA

NatWest Case Settled

Got the wifes CC Charges back too!

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  • 2 weeks later...

The statements are in and I'm going through them. They've sent me 7 years worth. Should I claim for the extra year or are they trying to trick me into invalidating the claim by claiming beyond six years?

RBS Credit Card Paid in Full after LBA

NatWest Case Settled

Got the wifes CC Charges back too!

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  • 2 weeks later...

Got the reply yesterday. Basically, a thanks but, no, you're not getting your dough back letter. There was one point though.....they have said in the letter that the OFT's ruling of 5th April 2006 only applies to credit cards and not other products. Is this true? How does this affect the way I claim back my money? Also, what's the next step? Do I go to the court immediately or do I give them a go with another letter ? They have said that I should send all details of any proceedings to their registered address. What do I do?

RBS Credit Card Paid in Full after LBA

NatWest Case Settled

Got the wifes CC Charges back too!

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The whole OFT thing is a red herring, safe to ignore it for our purposes.

 

Have you sent your Letter Before Action or your Preliminary Letter?

iGroup (GE Money) - AoS Filed late, defence late, amended defence also late despite extra time requested and granted.

Vanquis - Claim issued, no AoS or Defence received

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Preliminary Letter......Why is the OFT thing a red herring? I thought that's what sparked the whole 'reclaim your bank charges' thing.Is the credit card charges only thing invalid? Should I send the 'letter before action' then...?

RBS Credit Card Paid in Full after LBA

NatWest Case Settled

Got the wifes CC Charges back too!

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The OFT stated the following.

 

Where credit card default charges are set at more than £12, the OFT will presume that they are unfair, and is likely to challenge the charge unless there are limited, exceptional business factors in play. A default charge is not fair simply because it is below £12.

 

Here is the OFT page

 

Current credit card default charges unfair

 

Send your LBA now

iGroup (GE Money) - AoS Filed late, defence late, amended defence also late despite extra time requested and granted.

Vanquis - Claim issued, no AoS or Defence received

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Personally I would not waste the time, they know the OFT are a paper tiger.

iGroup (GE Money) - AoS Filed late, defence late, amended defence also late despite extra time requested and granted.

Vanquis - Claim issued, no AoS or Defence received

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  • 2 weeks later...

LBA sent. Reply received today was "sorry, we do not care for your accusations. Direct all litigation to our head office." Has anybody had any result with Natwest yet ? Do I just do the court claim form now?

RBS Credit Card Paid in Full after LBA

NatWest Case Settled

Got the wifes CC Charges back too!

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yeh the next step is to take them into court. This is just more fob off tactics. Don't let these phase you.

  • Confused 1

George Loveless - “We raise the watchword, liberty. We will, we will, we will be free!"

 

My advice is only my opinion, I am not a legal expert.

 

IF YOU LIKE THE ADVICE I'M GIVING AND ARE HAPPY WITH IT, CLICK THE SCALES ON THE BOTTOM LEFT OF THIS POST AND TELL ME.

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:) Well, Well, Well. Didn't believe it was possible, but I've had a result. Received a letter on 8/9/00 saying....

 

"As previously advised, these charges are applied to your account in line with the General terms and Conditions to which you agreed when your initial application form. Having reviewed your case, I have refunded the charges amounting to £115.05 and this credit will show on your next statement."

 

There you have it. I am reimbursed. Thanks to all at CAG for their help and advice. Now I've just got to wait and see what happens with my NatWest claim.........:):p

RBS Credit Card Paid in Full after LBA

NatWest Case Settled

Got the wifes CC Charges back too!

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CONGRATULATIONS!

George Loveless - “We raise the watchword, liberty. We will, we will, we will be free!"

 

My advice is only my opinion, I am not a legal expert.

 

IF YOU LIKE THE ADVICE I'M GIVING AND ARE HAPPY WITH IT, CLICK THE SCALES ON THE BOTTOM LEFT OF THIS POST AND TELL ME.

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