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stephenXL

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  1. Update: I had repaid this loan in full. Whatever audit was carried out Vanquis was required to repay all the interest I had paid. Almost £600 Thanks stephenXL
  2. Thanks for the reply. I use CAG to ask for advice and guidance. Member since 2007. I have already accepted the advice given by dx100uk. I will post the outcomes negative or possitive soon enough. I am a pensioner on a relatively fixed income managing 100% increase in utility costs for the last 12 months with a further rise from April, also increases in food inflation at well above 20%. Fuel costs are also way up above 12 months ago. Up until now I think I've done an impecable job of managing my affairs. Thanks stephenXL
  3. I wish to appropriately discuss the removal of a late payment charge. Having never missed a minimum payment in all the time I have had this card, I have been given a late payment fee of £12.00. My payment was caught up during the Easter long bank holiday. This card is issued by Newday and they have pulled a similar stunt charging a late fee of £12.00 on my Fluid card for the same long bank holiday. Argoscard website is currently "down" and the Argoscard app is simply a walk in the forest. Im also left wondering how many others have had late penalties applied on their Newday backed cards during the same period.?
  4. Do we have a number available that conects to a human being for Argoscard?
  5. Strange letter arrived last Friday from Vanquis. It starts off as follows: Following a review of your account, we have identified that we made an error in veryfying your suitability for your loan at the point of application. Had we correctly verified your details, we would not have provided you with the loan. (This letter goes on to say) What are we doing to fix this? We have taken the decision to refund all interest accrued. This will be used first to reduce the outstanding balance and any additional amountwill be issued to you by cheque within the next 28 days. This means that you will not be required to make any futher payments. Additionally, we will be removing the record of your loan account from the credit reference agencies. Q(Can they do that?) The account stands on my record as "settled" I never missed a single payment over the term of this small loan? Fact: They contacted me and offered the loan in the first place because I already had a Credit card with them. My guess? This has been issued as a result of regulatory oversight. Any advice would be appreciated. I have a copy of the letter on hand ready to attach (all relevent info has beed redacted) if you need it. Always glad to see you guys are still here. Thanks stephenXL
  6.  

    This case dragged itself out over several months. Case was set for hearing at the local courts.

    Date was set for hearing in September 2022.

    Claimants legal rep, did not attend nor comply with CPR 27.9 (1) giving sufficent notice.

    I also did not attend.

     

    Judge ordered that the claim and defence be struck out.

    Formal notification from the Court arrived in late December 22.

     

  7. The latest update: Been recovering from a minor motor accident. Claimant filed N180, which I have complied with sending my form N180 back to the Court be email this afternoon. The deadline being 4th June. A friend of mine has linking all the documents sent to me (as in post #24) He has copied everything together as one large editable Doc. What do I need to redact from this before I attempt to convert back to PDF? Thanks for your help as always stephen XL
  8. Hiyya, Can someone please post a link so that I can download and apply for any/all data, relating to me, held by a corporation/organisation. I have read the posts and advice from the librarian, but can't find any template to work with. Thanks stephen XL
  9. CPR31.14 A response has come back from solicitors via email. Along with a number of attachments. Which I now need to download and print off. Should I insist that they provide certified hard copies? I did not supply my email address on the CPR request. Are the Courts not obliged to hold my data securely? They are the only ones to be given it via MCOL Thanks stephen XL
  10. CPR31.14 Printed off and ready to go in the post, tomorrow morning recorded signed for delivery. Thanks again, will keep you up to date. stephen XL
  11. MCOL defence within deadline Onto CPR. Will keep you posted. Thanks stephen XL
  12. one quick point. do I put the vehicle registration into defence point 1. do I alter this to say I was the keeper ( I sold this car a good few months ago?
  13. Point taken dx. Usually try to be more manageable. I'v removed point 2 as you suggest, minding to re-number the rest accordingly. Here's the draft then 1. It is admitted that Defendant is the recorded keeper of [motor vehicle]. 2. It is denied that the Claimant entered into a contract with the Defendant, or broke any such contract. 3. 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. Accordingly, it is denied that the Claimant has authority to bring this claim. The proper Claimant is the landowner. 4. It is denied that the Claimant has complied with Schedule 4, Protection of Freedoms Act 2012 to establish keeper liability. 5. The Particulars of Claim is denied in its entirety. It is denied that the Claimant is entitled to the relief claimed or any relief at all. I will get the CPR off by post later today of first thing tomorrow. If this is ok I'll post in on MCOL before the 4pm deadline. Thanks for your help as always stephen XL
  14. 1. It is admitted that Defendant is the recorded keeper of [motor vehicle]. 2. It is denied that the Defendant parked in Mill View Hospital car park at the times mentioned in the Particulars of Claim the Defendant has no recollection of this. The Claimant is put to strict proof of the same. 3. It is denied that the Claimant entered into a contract with the Defendant, or broke any such contract. 4. 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. Accordingly, it is denied that the Claimant has authority to bring this claim. The proper Claimant is the landowner. 5. It is denied that the Claimant has complied with Schedule 4, Protection of Freedoms Act 2012 to establish keeper liability. 6. The Particulars of Claim is denied in its entirety. It is denied that the Claimant is entitled to the relief claimed or any relief at all." How does this look please? I have to post a defence by 4pm today. Thanks Stephen XL
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