Post moved to start new thread.

I hate to play Devil's advocate here, but you need to be aware of exactly where you stand here. Unless the paperwork you have has a council stamp or receipt saying it was received, or you have proof of recorded delivery which has been signed for, it is not necesserily proof that you sent anything to them. I have lists all over the place but having a list is not proof that I have done anything on that list. In regard to their behaviour, it was disgusting and is not to be tolerated. Public authorities have to maintain standards of behaviour, and I am afraid I would not let this one lie, and would make a formal complaint in regard to it.

As he filled all this in in July 2008 he can't try and use that ploy........ he can't be that daft ...........trying to mislead the Court again:);-) In any event he signed it on belalf of Swift. sparkie

I simply dont know the answer. Hopefully someone will be along soon but everyone seems to be quite busy today so it might be a little while yet.

Take my guaranteed word, it is a NO. As to trying to get your neighbour involved it is the same as many other people in other things in life............ We will fight a DCA. Some just pay up. We will find bank charges. Some just accept them. We will fight against a PPC. Some will roll over and just pay. Seems your neighbour is one of the latter. I am after buying the freehold of my property and as there is only two of us in the block we can easily do it as we just need to mutually agree and put a bid in. She gave me the excuse she was busy at the time and never heard anything else. Hopefully, she may move one day and who moves

Hi Shadow, Your CCA from MSDW/Barclayshark looks to be exactly the same as mine... I wrote to them a week or so ago telling them that the copy was illegible and that I wouldn't pay them til they sent me a legible copy so they've sent me some typed T&C's The 'red box' on your scan is just as blank on mine too...

Announced today: The Supreme Court

Sorry clynite, will try & get back later today re. help with your WS. Don't worry too much about the wasted costs this week, you can submit when you have won.

If these photocopies are a reflection on what you have then the account is still indispute, so send em a letter along the lines of Dear cretin The copies supplied by your firm that you state are a legible credit agreement for an alledged debt that you state belongs to me are in fact illegible and as such do not comply with the CCA request send on DATE. to this end this account remains in serious dispute and as such any further attempts to enforce clooection of this alledged debt will result in your company being reported to the OFT and trading Standards. I trust this outlines my position. ------------- Apart from that

no probs, keep us updated Ida x

Have look at post #1 of this guide by Bookworm - New User Guide to CAG

WASTED COSTS THREADS Have a look at the pdf's that Surfaceagentx20 has attached at the bottom of the post on a letter for wasted costs - Surfaceagentx20 wasted costs also Liabilty for Costs CPR 38.6 Sharpman v Nationwide credit card services ***WON WITH WASTED COSTS*** Welcome/Cohens - case withdrawn ***WOO-HOO *** have a look at this post by IGNM on costs as well - IGNM post on costs

if your case is proceeding you would normally make the strike out application with the AQ's if you are past this stage might as well defend,using the same arguments i assume that the arrears did not come to the whole outstanding balance in which case the DN is fatally flawed since it seeks the benefits s of s87 before issuing an effective dn how can you remedy the alleged default and carry on as though the default had not occurred if, by demanding the full balance in the DN they have effectively unlawfully rescinded the agreement i dont see any reason why your defence cannot include draft

Worst Crudit and CONnaught ARE the same shower of effluent. I have seen these idiotic letters offering all sorts of ridiculous "gifts" in exchange for donations. They are pretty much the same as the letters offering full and final settlements - what they really mean is "we're stuffed without the agreement so we'll try to con them out of their money." Did you have the Statutory Demand set aside? Whether you did or not it still needs reporting to the OFT. Even the government office which never acts acted against Worst Crud - they are on notice to stop abusing the Insolvency Service. If they are in default of your request under s7

You are far more "on your own" dealing with companies who don't give a monkey's about you but only care about your wallet than you are with the good people of the CAG. As evidenced by the quality of the response here, there is plenty of help and support available. The important step is to create a strategic plan. We can't give you one, because it all depends on your circumstances. 1) Banking Security Whatever your income is now, make sure it is paid into a bank account totally unrelated to any group you are having issues with. Securing your present income is the first step in getting some peace of mind, and in digging yourself

just a quick point. the £250 voucher is for pcworlds fxed price repair, what this basicly does is allow you to book a repair which includes any parts upto a retail price of £500, for a dv5 i would be looking at a cost price of around 200 for a mainboard, 60 -100 for a battery and im not sure on the blueray player i would point out that the retail price is obviously inflated from what it costs pc world. the one thing that i would worry about is pcworld have a tendancy to point batterys out as a consumable item and they hate replacing them once they are over a year old. i would write a letter and enclose it with the laptop statin

In a word, no. It's your error. In the same manner that they can't claim overpayments if the error was on their part, you cannot claim back monies for periods in which you provided incorrect information, other than the tax year the money falls due. For example, you give them an estimate at the beginning of the tax year, at the end of the tax year, you are given an opportunity to provide them with the true (and final) figure for the year, and it is then that they pay you any monies due. You could of course attempt it, but I wouldn't be optimistic about getting anything.

Hello FDPM Maybe you could email it to the court explain you didnt realise it had to be in 7 days before , FAO DJ x put your case no ect dont think you have anything to lose by trying . All the best Tonks:)

i would not tell them anything about the actual failings in the DN but simply write a generic letter (you could adapt the one below), so that if they do try to take it to court they were forewarned and that should take care of any costs applications if you receive a summons then i would immediately apply for a strike out on the grounds that no cause of action has been shown Dear Sirs, Your Ref:- xxxxxxxxxxx Thank you for your letter of xxxx received today. I note that you have been instructed to take legal action by your clients to recover the sum shown above. Whilst we have received i

Hi TS, I'd say the document fails the criterion of legibility as required by the Consumer Credit (Cancellation Notices and Copies of Doc'ts) Regulations 1983. It's interesting that the interest rate figures in s.8 are more prominent and legible. Do you think they were bold on the agreement, or have they been altered for the purpose of producing the doc't. Do you think the doc't does, in fact, contain all the Prescribed Terms.