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    • Documents arrived today dated 27th March.  This is a cc taken out a long time ago (2008) and they don't seem to have been able to provide a copy of a CCA agreement, just reams of print outs of lines of texts from old bank statements, default notices etc.   
    • Documents finally arrived today from PRA group.  New day have sent me lots of paperwork, copies of default letters and statements, print out of what looks like a CCA that would have been completed on online, IP address as signature.  This debt is not too old, so possible this is the true copy of agreement ?  Not sure what my defence would be beyond irresponsible lending. 
    • pers i wouldn't.. all you need to know is in the posts of that thread....that being section 127(3) of the CCA refers. if under a CCA return, the 'creditor' claims its a recon, it must not contain any details like a sig, tickbox, or typed name (whether you signed physically or by online tickbox) 1. those are not necessary in a recon, so why inc them? (faked??) 2, it cant thus be a recon!!, it must be a copy of the 'original' from the original creditor, not from a debt buyers filing cabinet. they shouldn't not be 'mixing' some original docs from the OC with crap from their filing cabinet, claiming its ALL a recon! because some of it is faked. just remember there are far more docs like NOA and a DN that are as equally important to a court claim of 'this debt is enforceable'. never rely solely upon the dodgy agreement argument.
    • India has thousands of small gold refineries which are facing more competition from big players.View the full article
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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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    • 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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Small changes to cut costs

 

From printing discount vouchers to picking up coins off the street, what are you doing to make your money go further?

 

 

Look after the pennies ... Photograph: Catherine Shaw/Observer

 

What money-saving tricks have you discovered to get you through these cash-strapped days? Research revealing the penny-pinching measures that many consumers are resorting to certainly rings bells with me – now that eating out has become a luxury, more than half of diners have recently used a discount voucher to get more meal for their money, according to the findings of comparison and switching service uSwitch.com. Ding!

Printable vouchers offering two main meals for the price of one at many restaurant chains, currently downloadable from the likes of Vouchercodes.co.uk, MyVoucherCodes.co.uk and Restaurantvouchers.co.uk, are hugely popular. And I'm cheering the fact I can now swap my Tesco Clubcard loyalty vouchers at four times their in-store redemption value for tokens to spend in my kids' favourite eaterie, Pizza Express.

I'm not so in tune with the 15% of UK diners who say they've cut their bills even further by not paying the service charge – that's surely taking tight-wadding tactics a step too far, but I'm definitely getting a lot louder about complaining and demanding a refund if restaurant food is not up to scratch.

When I can get my act together, I'm with the 51% of consumers who are dusting off the Tupperware and taking packed lunches to work. And my admiration knows no bounds for the 20% who are now doing a John 'Free'-da to save on hairdressing costs by cutting their own or their family's hair. If only I had the required skills to snip and layer, or, failing that, the time to join the 10-week Hairdressing for the family course at my local adult education centre.

 

 

Have you made small changes to cut costs? | Money | guardian.co.uk

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4 Free Renault world series Tickets at Silverstone

 

World Series

 

I went last year and had a great day out.

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  • 2 weeks later...

Its difficult to find dropped pennies these days..I saw 2 guys diving for one the other day in the town centre-they almost knocked an old lady flying.

Best time to go looking is early on Sunday morning....its amazing the loose change the revellers drop after drinking on Saturday night in the town centre.

I have so far found 3 rings a bangle loads of gold earrings 3 watches and 2 mobile phones.

I contacted the owners of the mobiles and gave them back-one of them said he would be round to collect it in 48 hours after he was sober enough to drive.:rolleyes:

Have a happy and prosperous 2013 by avoiiding Payday loans. If you are sent a private message directing you for advice or support with your issues to another website,this is your choice.Before you decide,consider the users here who have already offered help and support.

Advice offered by Martin3030 is not supported by any legal training or qualification.Members are advised to use the services of fully insured legal professionals when needed.

 

 

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Erm....I dont recall saying that -No

Have a happy and prosperous 2013 by avoiiding Payday loans. If you are sent a private message directing you for advice or support with your issues to another website,this is your choice.Before you decide,consider the users here who have already offered help and support.

Advice offered by Martin3030 is not supported by any legal training or qualification.Members are advised to use the services of fully insured legal professionals when needed.

 

 

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