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    • If a DCA supplies a reconstituted copy of the CCA what would be the next step. It seems that a reconstituted copy must be a " true copy " of the executed agreement, it must contain the Prescribed Terms. But given that there is no copy of the applicants signature surely it could be an agreement form with the details filled in. How can it be assumed that this " copy " represents a true copy that the claimant has supposed to have signed. Cabot have demonstrated a bit of sabre rattling when they say "Until we're able to provide this information , your account is unenforceable. This means we're not permitted to obtain a County Court judgement against you . Whilst we cannot pursue legal action, your balance remains outstanding ". I looked up a case... Cabot UK Ltd  v  Bachellier (2010) which might help, but it's tough reading, I'd prefer to plough through War and Peace. This particular case with Cabot is not huge , approx' £140, but the only other worry that I have is also with Cabot...£2100. They may try to make a point with lesser case.        
    • you'll never find a court open on a w/end MB. all courts are closed Good Friday and Bank Holiday Monday. However as Andy points out, that does NOT mean you get 2 extra days to file, you get one, same as xmas/new Year. UKPC have not filed their, so no rush on yours as dave says.  
    • Top US magazine slams Britain after 14 years of Tory ‘psychodrama’ The New Yorker’s excoriating report on the state of the UK lays bare how Britain’s withdrawal from the European Union (EU) “catalysed some of the worst tendencies in British politics”. “The only way to think about it is as a psychodrama enacted, for the most part, by a small group of middle-aged men who went to élite private schools, studied at the University of Oxford, and have been climbing and chucking one another off the ladder of British public life" Top US magazine slams Britain after 14 years of Tory ‘psychodrama’ WWW.INDEPENDENT.CO.UK The New Yorker’s excoriating report on the state of the UK lays bare how Britain’s withdrawal from the European Union (EU) “catalysed...  
    • UK travellers are being caught out by post-Brexit passport rules.   When do I renew my UK passport and what is the 10-year rule? WWW.BBC.COM UK travellers have been turned away at airports because their passports are not valid for EU travel.                                   
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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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      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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racking up charges upon charges, HELP!!


kylecagedfox
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first off im sorry if this has been answered somewhere i did search thoroughly through the forum threads but i couldn't find this particular situation...

 

after being laid off in January i used most of my redundancy money to pay off existing bills and such and eventually left me with £0.02 in my account and thinking everything's sorted,

 

 

i didnt look at my account for a while and when i went back it was a whopping £-160 and what had started as a £15 charge for a returned direct debit has now just racked up charges for being overdrawn and i didnt think they were allowed to make money off their own charges?

 

 

i rang up nationwide and after some shpeel they said there was nothing they can do.

i managed to get a tax rebate which just managed to fix the problem and Lowe and behold the charges kept coming

 

 

now i'm back at square one and its only going to get worse,

this has been going on since march,

 

 

now ill admit im not the best with money but after starting a voluntary apprenticeship where i dont make much money if any im running out of ways to fix the problem, help!

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Hello and welcome to CAG.

 

First things first open a new bank account with a different banking group, secondly lodge a formal complaint with Nationwide, and exhaust their complaints procedure, OR until they have refunded you those charges.

 

Keep EVERYTHING in writing, you need a paper trail of evidence.

 

Do you have a complete history of your account with them?

 

Have you told them IN WRITING, that you're in financial difficulty?

 

Open a new account with a different banking group and get ALL of your money paid into that.

Who ever heard of someone getting a job at the Jobcentre? The unemployed are sent there as penance for their sins, not to help them find work!

 

 

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