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Parcel delivery insurance is prohibited under section 57 – Consumer Rights Act – Read about It Here and in The Times.

AndyOrch

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Everything posted by AndyOrch

  1. AndyOrch
    JFK forget their interest applied figure, whats on the Default Notice how much have you paid since the default? How much did these numpties ask you for in their very first letter threatening litigation?
  2. AndyOrch
    Hi Mooshy Not sure what the 12th Sept is about but you only require 28 days otherwise you will have to pay for the extra. Retain the above letter as proof just in case anything does go wrong. Andy
  3. AndyOrch
    12 working days plus delivery.
  4. AndyOrch
    Working on your response Tonks should have something completed for you tomorrow. Regards Andy
  5. AndyOrch
    Well there must be one in every thread on here but here you are http://www.consumeractiongroup.co.uk/forum/showthread.php?159445-Getting-Them-To-Reveal-Their-Vitals.-Using-CPR-31.14-to-Your-Advantage
  6. AndyOrch
    No didnt mean with regards to reclaiming but to identify the correct year of the T&Cs then you can establish the interest conditions.
  7. AndyOrch
    Absolutely Post. Andy
  8. AndyOrch
    No get your CPR request off asap and contact them with regards to your D.S.A.R stating that you are prepared to collect from their local office to speed matters. Andy
  9. AndyOrch
    If the agreement is from 2003 be assured its got errors. Andy
  10. AndyOrch
    Well yes to both.
  11. AndyOrch
    From the OCs yes from these lot mmmmmm lucky if you get a statement for your payments.One way to check is the date of your agreement and there is usually a print date on the T&Cs booklet also check over limit fee late fees if they are over £25 they are old ones if £12 they are new ones since their run in with the OFT.
  12. AndyOrch
    Good to here you defending all JFK, with regards to your last point, they simply state that the current T&Cs supersede the previous. But you will be arguing the original T&Cs at the the time the agreement was signed and what you had agreed to. Regards Andy
  13. AndyOrch
    Wow fast AQ means hes proceeding and the defence has had little effect Jose. Regards Andy
  14. AndyOrch
    Ang you do realise that because you have plead Defend Part you will receive an CCJ and you will have to make offer to pay the bit you agree with. You will have to submit a defence for the part you dont and yet you have no information to verify that defence.
  15. AndyOrch
    Depends if they respond (they have 28 days or its stayed) or fail to submit their AQ they will get an " Or Else " order. Once they have filed their AQ you will receive a Notice of Allocation from the court.This will contain further direction on how the claim will proceed.
  16. AndyOrch
    Yes use CPR 31.14 this is for the agreement and Default Notice they refer to in their Particulars of Claim. With regards to the statements yes use a S.A.R but it may take 40 days for them to respond which will be past your defence date. Andy
  17. AndyOrch
    Hi Sev the appeals process can be very arduous , digest Robinways thread here http://www.consumeractiongroup.co.uk/forum/showthread.php?212396-Trying-to-set-aside-judgement-Round-2-Case-dismissed&highlight=robinway It will give guidance to the process. Regards Andy
  18. AndyOrch
    You can act as a Mackenzie friend but your wife would have to attend see here http://www.consumeractiongroup.co.uk/forum/showthread.php?308509-capquest-chasing-old-citi-card-ppi-reclaim-too Page 3 for my link Post 51
  19. AndyOrch
    Regards Andy
  20. AndyOrch
    So they dont have a copy but it will take up to 28 days to provide it mmmmmm????? Yes request an extension of a further 28 days but get your skates on and notify court before your defence date. If they still fail to provide the requested documentation after extension consider making an application. Regards Andy
  21. AndyOrch
    I would take out " If you agree " they have no option. With regards to your second point, thats why they bought it to litigate. Andy
  22. AndyOrch
    Afternoon Elsa Why not, must be drafted specifically though to request information pertaining to defaults and payments history made. Did Mooshy not request a Sec 78 ? Statement history must be disclosed with this request also. I would imagine that when they receive copy of the application they will drop this like a hot brick anyway.SB is worth further investigation though. Regards Andy
  23. AndyOrch
    Presuming they respond to any defence, if a defence is submitted. Andy:wink:
  24. AndyOrch
    Everything in hand now Mooshy? Regards Andy
  25. AndyOrch
    Quite correct Cat but it depends when the default happens ie post Oct 2008 and even though parts of the amendments are not retrospective all creditors must still comply with the amends irrespective of the date of the agreement. Regards Andy

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