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    • Hi LFI, With regard to the ANPR cameras in your post #65, while I was on the phone to the Planning Department, they did take a look at Google Streetview and went back to 2012 where they could see the ANPR cameras in place so therefore they would have deemed consent. I had previously read the T&C Planning Regulations and had read the section on deemed consent so I understood the point they made on the phone. It doesn't matter though, that doesn't harm my case any, and I shouldn't really mention this now, (this is what you reminded me of on another thread) but in the past I was a member of a scheme that gave me access to legal advice, I have spoken to a barrister previously through this scheme on another matter and I think I am still a member. I am going to check if I am still a member of the scheme, and if I am I will discuss my case with a barrister or solicitor, whichever the scheme deems appropriate. I will let you know the outcome. I am also going to take Bankfodders advice in the sticky and go to the local court and ask if I can sit in on a case in the Judges office.
    • deed?  you mean consent order you and her signed? concluding the case as long as you nor she break it's conditions signed upto? dx Yes sorry. they called it a deed at first in court.  Then Judge said she was happy to have it sealed as something else  exact names of orders in message above.     The disease was tested for when his cardiac testing was done immediately after purchase and part of the now sealed case.   However, results were disclosed incorrectly and I only found out  two days ago.   This disease did not form part of my knowledge during the case as I had been informed of a normal result that was not the case.   it is perfect clarity of a genetic disease where as the previous cardiac issue could be congenital until the pup is genetically tested. 
    • Hi, Halifax recently sold a credit card account of mine to Cabot. I am unemployed and have no assets and was thinking of making token £1 payments for 12-18 months in order to drag things out a bit and reduce the chance of Cabot being able to get the correct CCA documents from Halifax if I requested them in future. However, I saw on the pages on this forum about defending county court claims that one of the standard approaches when defending such claims is to say “I had an account with bank X, but I don’t remember the details and so don’t know if I owe this debt…”. If I made £1 payments to Cabot, would it prevent me from using such a defence in future? OC: Halifax DC: Cabot/Wescot Card account opened: 2016 Defaulted: 2023
    • Paperwork says sealed consent order and composite settlement agreement      YES  ADDISONS DISEASE 
    • Hi, This may be the wrong place for a thread BUT If you receive a defence, can you send a CPR 31.14 request for document mentioned in the defence, and then apply to proceed with the case only after (14) days passed or they respond OR is it only if you receive a claim I see @dx100uk thread is for when you receive a claim, but can you also do the same when you receive a defence?
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    • We have finally managed to obtain the transcript of this case.

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Lowell claimform - old GE holiday Ownership Loan***Claim Discontinued***


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Having sorted my own issues, I'm now trying to help a friend.

Lowells have issued a claim on 10th April so I've completed the Aos & CCA'd and SAR the OC plus 31.14 and CCA'd Lowells

 

The claim relates to a loan for a kitchen which included a lump sum PPI payment as part of the loan, (friend was self employed at the time of inception, PPI has been reclaimed).

 

POC

The Defendant entered into a CCA1974 regulated agreement with GE Holiday Ownership Loan under account ref XXXX ("The Agreement")

The Defendant failed to maintain the required payments and a Default Notice was served and not complied with

The Agreement was later assigned to the Claimant on XXX and notice was given to the Defendant

Despite repeated requests for payment, the sum of XXX(£7k ish) remains due and outstanding.

And the Claimant claims

a) The said sum of £7k ish

b) Interest pursuant to s69 County Courts Act 1984 at the rate of 8%pa from the date of assignment to the date of issue, accruing at a daily rate of £1.50, but limited to one year, being £550

c) costs

 

Prior to payments ceasing (financial distress) a CMC looked at the agreement & reckoned it was unenforceable, took a fee & said they would deal with the matter.

Unsurprisingly, the CMC has gone out of business!!

 

The DN looks faulty to me and includes inflated charges

Will wait for result of CCA & 31.14 before posting agreement for comment.

Am I on the right lines?

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please scan up your documents you mention to ONE multipage PDF file

follow the upload

 

 

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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  • 2 weeks later...
Letter of discontinuance received, not showing on MCOL yet but looking good :)

 

Notice of Discontinuance does not register on MCOL...but well done.

 

Thread title amended to reflect the outcome.

 

Regards

 

Andy

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great news.

 

 

dx

 

 

 

 

 

 

 

 

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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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