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    • Better version attached with the late appeal explained more clearly for the judge. This will sound silly, but I think it would be a good idea to e-mail it to the court and UKPC on Sunday.  It's probably me being daft, but Sunday is still March, and as it's late, sending it in March rather than April will make it sound like it was less late than it really is.  if you get my drift. You can still pop in a paper version on Tuesday if you want. E-mail address for the court: [email protected] And for UKPC: [email protected]   [email protected] Defendant WS.pdf
    • Update 15th March the eviction notice period expired, and I paid my next month rent along with sending them the message discussed above. After a short while they just emailed me back this dry phrase "Thank you for your email." In two weeks' time I'm gonna need to pay the rent again, and I have such a feeling that shortly after that date the contracts will be exchanged and all the payments will be made.  Now my main concern is, if possible, not to end up paying rent after I move out.  
    • they cant 'take away' anything, what ever makes you believe that?  dx  
    • The text on the N1SDT Claim Form 1.The claim is for breaching the terms and conditions set on private land. 2. The defendant's vehicle, NumberPlate, was identified in the Leeds Bradford Airport Roadways on the 28/07/2023 in breach of the advertised terms and conditions; namely Stopping in a zone where stopping is prohibited 3.At all material times the Defendant was the registered keeper and/or driver. 4. The terms and conditions upon  entering private land were clearly displayed at the entrance and in prominent locations 5. The sign was the offer and the act of entering private land was the acceptance of the offer hereby entering into a contract by conduct. 6.The signs specifically detail the terms and conditions and the consequences of failure to comply,  namely a parking charge notice will be issued, and the Defendant has failed to settle the outstanding liability. 7.The claimant seeks the recovery of the parking charge notice, contractual costs and interest.   This is what I am thinking of for the wording of my defence The Defendant contends that the particulars of claim are vague and are generic in nature which fails to comply with CPR 16.4. The Defendant accordingly sets out its case below and relies on CPR r 16.5 (3) in relation to any particular allegation to which a specific response has not been made. 1. Paragraph 1 is denied. It is denied that the Defendant ever entered into a contract to breach any terms and conditions of the stated private land. 2. Paragraph 2 and 4 are denied. As held by the Upper Tax Tribunal in Vehicle Control Services Limited v HMRC [2012] UKUT 129 (TCC), any contract requires offer and acceptance. The Claimant was only contracted to provide car park management services and is not capable of entering into a contract with the Defendant on its own account, as the car park is owned by and the terms of entry set by the landowner. 3. It is admitted that Defendant is the recorded keeper of the vehicle. 4.  Paragraph 6 is denied the claimant has yet to evidence that their contract with the landowner supersedes  Leeds Bradford airport byelaws. Further it is denied that the Claimant’s signage is capable of creating a legally binding contract. 5. Paragraph 7 is denied, there are no contractual costs and interest cannot be accrued on a speculative charge.   I'm not sure whether point 4 is correct as I think this side road is not covered by byelaws? Any other suggestions/corrections would be appreciated.
    • Dear EVRi parcelnet LTD t/a evri   evri parcelnet isnt a thing also you say defendant's response which is a bit of a weird format.   Something like   Dear EVRi, Claim no xxxx In your defence you said you could not access tracking. Please see attached receipt and label Regards
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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.

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      OT APPROVED, 365MC637, FAROOQ, EVRi, 12.07.23 (BRENT) - J v4.pdf
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Payday Help? Irresponsible lending/Refund?


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Hi,

 

its taken me a while to finally come to terms with and finally admit defeat to the payday loans and debt I have aquired over the last few years.

 

I have a number of outstanding debts.

 

PiggyBank - 592

Safetynetcredit - 189

Wageday Advance - 140

Payday UK - 488

Satsuma - 64

Mr Lender and Vivus - Combined at 914 (sold on to MMF so unsure at the moment of the individual debts)

Natwest overdraft - 2,000

 

These were loans taken out from 2015-2016 and I have still not paid them off or made any real dent in what I owe due to very low monthly repayments that have been ongoing for years as I have never been able to afford to pay them back off.

 

This being due to an old gambling addiction and one loan was ususally made to pay of another (a lot of loans not up there that have been settled in that time).

 

This has obviously led to me having a really bad credit score yet within the last few months after the passing of my brother leading to being in work less = less money and a battle with depression and gambling again I have managed to loan from more lenders.

 

MyJar - 179

24/7 Moneybox - 151

H & T pawnbrokers - 304

Lendingstream - 544

Very catalogue - 399

 

I understand it is my own doing in attempting to get more loans but I'm sure (after reading some similar posts here) that these companies are to refuse such applications as my own?

 

I thought maybe there was something here for a potential irresonsible lending claim or something familar after having such debts for years or for what they were used for.

 

Any help in how I would go about this would be greatly appriciated, thankyou.

 

Update: The figures shown are the amount owed not lent.

 

And a lot of the debts have been passed on to debt collectors so I do not know how this will effect me, and I am sure that Vivus is no longer operating.

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IL complaint to every one of them.

 

pers i'd stop all payments too.

 

do you still bank with nasty pest...

 

if so get your income paid into a parachute account quickly

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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get your income out of that NatWest account

stuff 'em

 

as for the PDL's

https://www.consumeractiongroup.co.uk/forum/showthread.php?472423-CAG-PDL-Reclaim-Guide-Indepth-Step-By-Step

to every one of 'em

pes id stop ALL payments

 

remember a DCA is NOT A BAILIFF

they have

ZERO LEGAL POWERS

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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If you have any questions about reclaims, please let me know and i can help.

I can tailor my help if you need it

 

Hi thankyou for you help, I am struggling to come up with everything I should include in the email. Do I send this to anybody in specific or the companies complaints department?

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you don't ever email anyone

you WRITE.

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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Share on other sites

you don't ever email anyone

you WRITE.

 

Hold on DX

 

It might be worth doing both - Send an email to the CEO of the group if unhappy & send a letter to their complaints team

That way you MAKE SURE it doesnt go amiss ^_^

 

We could do with some help from you.

 

Have we helped you ...?         Please Donate button to the Consumer Action Group

 

**Fko-Filee**

Receptaculum Ignis

 

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you need a paper trial.

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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Another quick one, Vivus, one of my old lenders are essentially non operative now with no way of contacting them.

How would I go about this?

 

Also my Very catalogue account/ credit, is there any hope in reclaiming any of this?

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always best to use our search cag box in the top red toolbar 994

 

https://www.consumeractiongroup.co.uk/forum/showthread.php?455314-PDLs-Complaints-with-9-Lenders-60-loans-%A33000-written-off

 

if there were penalty charges on the very account then yes.

might well be PPI too

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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Share on other sites

  • 1 month later...

Hi guys,

 

Slight update,

 

Savy, h and t and lending stream believe no irresesponsible lending took place so are currently on the way to the ombudsman.

 

However I have received this from Mr Lender and would like a second opinion on whether this is a fair and acceptable offer or I should refer this too.

 

Thanks in advance. Here's the email.

 

Dear Mr Mooney,

 

After reviewing your account, we can confirm you have taken one loan with Mr Lender on the 18 March 2016 for £250.00. We can confirm we have only received payments of £32.00 towards this loan and your account has since been passed to a third party debt collection agency, Motormile Finance, (MMF).

 

Since receiving your your complaint, we have been in contact with MMF who have informed us, they have received a total of £10.00 towards your account and your outstanding balance stands at £405.50.

 

As a gesture of goodwill to resolve your complaint, we are willing to reduce your outstanding balance of £405.50 to £208.00 which can be repaid via an affordable monthly repayment plan. Upon acceptance of this offer you would only be repaying the capital amount borrowed and therefore no interest would have been charged.

 

As a further gesture of goodwill, once the outstanding balance has been repaid please inform us and we would be willing to remove any adverse information from your credit file.

 

Please note, as a lender this is the maximum we can offer to resolve your complaint as all consumers are required to repay the initial capital amount borrowed.

 

This is our full and final offer in the hope to resolving your complaint and we look forward to hearing from you by the 12 January 2018.

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did you have multiple loans elsewhere and a rubbish credit file at the time of taking the above out?

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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Share on other sites

then IMHO they should not have allowed the loan so no reject the findings.

the whole IR remit is that they should not have loaned you the money at all.

 

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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Share on other sites

go for it

 

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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