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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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"Access all settings for your Microsoft Windows Vista (32 bit) and Windows 7 (all versions)"


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Really simple, Create a folder anywhere (I prefer to place it on the desktop) and rename it to

 

GodMode.{ED7BA470-8E54-465E-825C-99712043E01C}

 

Simples :D

If in doubt, contact a qualified insured legal professional (or my wife... she knows EVERYTHING)

 

Or send a cheque or postal order payable to Reclaim the Right Ltd.

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The above works in Windows Vista (32 bit) and Windows 7 (32 bit and 64 bit)

 

You can name the folder anything you want, I suggest :-

 

LocutusIsTheGreatest.{ED7BA470-8E54-465E-825C-99712043E01C}

If in doubt, contact a qualified insured legal professional (or my wife... she knows EVERYTHING)

 

Or send a cheque or postal order payable to Reclaim the Right Ltd.

to

923 Finchley Road London NW11 7PE

 

 

Click here if you fancy an email address that shows you mean business! (only £6 and that will really help CAG)

 

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Hey Locutus,

 

Thanks for that tip it is the most useful one I've ever been given everything is assessable from the desktop now and I do not have to go searching for what I need.

 

PF

Finally if you succeed with your claim please consider a donation to consumer action group as those donations keep this site alive.

 R.I.P BOB aka ROOSTER-UK you have always been a Gent on these boards and you will be remembered for that.

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locutus i think this thread is worthy of a sticky i say this because many disabled would find this useful as in my case a stroke survivor who has memory problems and finds it (or did) a real pain to remember where stuff is

 

It took me 30 mins yesterday to locate disk defag so you can see just how useful this button on the desktop will be

Finally if you succeed with your claim please consider a donation to consumer action group as those donations keep this site alive.

 R.I.P BOB aka ROOSTER-UK you have always been a Gent on these boards and you will be remembered for that.

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That's up to "the powers that be" I guess. I'm glad it's worthy of such praise from you. As you know it's a collection of over 200 tools and settings that are normally accessible from "Control Panel". It'll still take some wading through to find what you want, I'm glad I could help :)

If in doubt, contact a qualified insured legal professional (or my wife... she knows EVERYTHING)

 

Or send a cheque or postal order payable to Reclaim the Right Ltd.

to

923 Finchley Road London NW11 7PE

 

 

Click here if you fancy an email address that shows you mean business! (only £6 and that will really help CAG)

 

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ok its not a miracle as we thought, post from a windows techie says :sad:

 

Windows XP has this same feature (as does every Windows OS) it is called the control panel :rolleyes:

 

dam I searched about it then the penny dropped, I have the ICON on desktop already I put it there, a shortcut to control panel :-x

 

nealry kicked the cat ,, could not find it anywhere, another problem I found we dont have a darn cat :-o

 

but is a great tip for those with Vista and windrop 7, great tip Locutus

Edited by kiptower
  • Haha 1

..

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It's not got anything new, more like viewing everything in control panel (even sub-settings) and administrative tools in list view.

If in doubt, contact a qualified insured legal professional (or my wife... she knows EVERYTHING)

 

Or send a cheque or postal order payable to Reclaim the Right Ltd.

to

923 Finchley Road London NW11 7PE

 

 

Click here if you fancy an email address that shows you mean business! (only £6 and that will really help CAG)

 

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you also need to becareful of the size implications

 

the more things you have on your desktop [barring shortcuts]

the slower you pc will be to boot into your username.

 

if you have folders/zip files/documents etc etc [again anything bar shortcts on your desktop]

then it will go slower and slower.

 

just do a test

create a new user, time it till the HDD light stops going bananas.

the reboot and log in as yourself, it should be the same speed as a new user bar 10-15secs.

 

that'll get you all playing.!!!

 

dx

please don't hit Quote...just type we know what we said earlier..

DCA's view debtors as suckers, marks and mugs

NO DCA has ANY legal powers whatsoever on ANY debt no matter what it's Type

and they

are NOT and can NEVER  be BAILIFFS. even if a debt has been to court..

If everyone stopped blindly paying DCA's Tomorrow, their industry would collapse overnight... 

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Good point DX. This doesn't have to go on your desktop, can put it in "My documents" and then right click and Create a shortcut, then move the shortcut to the desktop.

If in doubt, contact a qualified insured legal professional (or my wife... she knows EVERYTHING)

 

Or send a cheque or postal order payable to Reclaim the Right Ltd.

to

923 Finchley Road London NW11 7PE

 

 

Click here if you fancy an email address that shows you mean business! (only £6 and that will really help CAG)

 

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Great thread Locutus,

 

If you would like to tell us why we would need to do this, then how, in plain English, (like wot I can understand :D), I'll make it a stcky.

 

If you do, I might have to remove the more off topic posts, so don't be supprised if Cagbot turns up !!

 

Lex

Please help us to help you. Download the CAG tool bar for free

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Please don't rush, take time to read these:-

 

 

&

 

 

This is always worth referring to

 

 

 

 

 

Advice & opinions given by me are personal, are not endorsed by the Consumer Action Group or the Bank Action Group. Should you be in any doubt, you are advised to seek the opinion of a qualified professional.

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Great thread Locutus,

 

If you would like to tell us why we would need to do this, then how, in plain English, (like wot I can understand :D), I'll make it a stcky.

 

If you do, I might have to remove the more off topic posts, so don't be supprised if Cagbot turns up !!

 

Lex

I'll answer in the form of pictures then :p

 

OK, this only works on Windows Vista (32 bit) and Windows 7 (all versions)

 

Step 1, Right click in the location that you want this folder, and select new folder. It will appear Like so :-

newfolder.jpg

 

Rename the folder to GodMode.{ED7BA470-8E54-465E-825C-99712043E01C} (just copy and paste that text, highlight it by left click and hold at the beginning of the G, and drag to the } so the entire phrase is highlighted, then press CTRL + C, then right click the "new folder" and rename, then delete all the text in the folder name and press CTRL + V) (you can replace "GodMode" with anything you like)

 

Now the folder will look like this :-

godmode.jpg

 

Double click that icon will open every setting on the computer, like this

godmodeopened.jpg

 

Hope some more people find this useful :)

If in doubt, contact a qualified insured legal professional (or my wife... she knows EVERYTHING)

 

Or send a cheque or postal order payable to Reclaim the Right Ltd.

to

923 Finchley Road London NW11 7PE

 

 

Click here if you fancy an email address that shows you mean business! (only £6 and that will really help CAG)

 

If you can't donate, please use the Internet Search boxes on the CAG pages - these will generate a small but regular income for the site

 

Please also consider using the

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If you do make it a sticky, can it be renamed to "Access all settings for your Microsoft Windows Vista (32 bit) and Windows 7 (all versions)"

 

Also, as to the "Why" It just puts the settings all in 1 easy to find and easy to remember place.

If in doubt, contact a qualified insured legal professional (or my wife... she knows EVERYTHING)

 

Or send a cheque or postal order payable to Reclaim the Right Ltd.

to

923 Finchley Road London NW11 7PE

 

 

Click here if you fancy an email address that shows you mean business! (only £6 and that will really help CAG)

 

If you can't donate, please use the Internet Search boxes on the CAG pages - these will generate a small but regular income for the site

 

Please also consider using the

C.A.G. Toolbar

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Thread now *Stuck*. Title changed as requested and tided up a bit. :)

Please help us to help you. Download the CAG tool bar for free

HERE and use the search option for all your searches. CAG earns a few pennies every time !!!

 

Please don't rush, take time to read these:-

 

 

&

 

 

This is always worth referring to

 

 

 

 

 

Advice & opinions given by me are personal, are not endorsed by the Consumer Action Group or the Bank Action Group. Should you be in any doubt, you are advised to seek the opinion of a qualified professional.

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  • 3 weeks later...
just do a test

create a new user, time it till the HDD light stops going bananas.

the reboot and log in as yourself, it should be the same speed as a new user bar 10-15secs.

dx

Not quite.

 

Booting into any version of Windows for the first time on a new user will always take longer than normal as the profile has to be built.

 

Would be better to suggest to time it booting for the second time :D

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