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gwa70

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About gwa70

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  1. thanks for the reply.......i tried to contact them by phone and they refised to speak to me.........said it had to be done by lettter....i wrote explaining that i could not admit to a debt that i wasn,t certain existed or was correct untill they provided me with the bills.stats etc to back up their claim........as per the cpr request...............they still have not done this........and seemingly refuse to..............therefore all i have is a letter from them saying you owe us this much..........i,m not denying they provide services here or that i do owe them money but my point is i need pr
  2. received a letter today from local court with date for hearing to have my defence struck out........they are saying i was aware of the debt s therefore i have no defence..............i still have not received any paperwork whatsoever in relation to this despite my cpr reqeust......all i have is the water boards letter telling me how much i owe them..............any help on what i should do............am i right in thinking technically they are still in breach of cpr request and i can insist on them providing paperwork befor ei admit to anything.......i,d also like to have the costs struck out
  3. latest from water board........they sent a letter saying that despite my cpr request they don,t really understand why i would want copy documents but they will send a copy of the bill to me............all the reminders and court threats etc cannot be sent as they "do not keep physical copies and are therefore are unable to send them"............ i genuienely have not seen any letters from them in realtion to this matter and can,t help think they have never been sent.............if i had seen reminders i would have arranged payment.....................whilst i obviously owe them the missed p
  4. the water board are sending a copy bill so i,m happy that i owe them the money once i get the bill...................do i write to them direct and suggest a payment plan or to the court.............they have written the court asking that my defence be struck out as i its clear that i do owe them something..............how do i avoid a CCJ.............if i admit to the debt is this unavoidable if water board refuse to negotiate with me direct.............i can,t afford to pay the debt upfront as i,ve been out of work for a while and am working now but have yet to be paid so would only be able t
  5. hi...sorry for delay in replying...been waitingto hear from xourt and water board........to summarise.... i sent defence to court saying i needed the extra 28 days as i had no knowledge of the debt.. i also sent a cpr request to water board.. the court replied saying water board had 28 days to furnish all documents i,d asked for or claim would be stayed... the WB replied eventually saying they were puzzled why i,d sent cpr request and tellignme that debt related to 2010-2011 statutory charges less a coupe of payments and with costs added on etc........they didn,t however send me any co
  6. i,ve received a court summons relating to northumbria water and £300 they say i owe them... i,ve not received any letter from them about this and am at a loss as to where it has come from......i rang them but they refused to speak to me and said i must contact the solicitor involved.......... is there a template for a letter i can send requesting full details of this debt etc? i have asked for 28 days with the court so need to start writing immediatlety... is there any protocol regarding water co,s and debt in relation to what they are supposed to do before court action.........sure
  7. i have pre payment meter fitted as i owe them near £600....................i have been unemployed for 2 months now and asked them to reduce the current standing charge of £13 a week to help and they agreed to reducing it to £8 a week.....................i read somewhere that the maxiumum they can take from someone on benefits is £3 a week...........is this right and if so is this figure determined by law. thanks in advance
  8. i sent a parcel to a friend in portugal with dhl....it was booked via parcel2go who are parcel3 ltd.... i was tracking it every few days or so and once i noticed it had got to lisbon then nothing happenbed for 2 weeks.........a message said "contact courier for address details" then a few days later another message saying "processed". obviously i assumed the problem had been solved.......... the parcel then turned up at my front door nearly 2 weeks later.....almost a month since it was sent.. when i rang the agent the first thing and only thing they were interested in saying was i,d b
  9. does anyone know if it would be possible to do a driving awareness course instead of the points and fine etc............i,m aware you pay for the course and its the points i,d rather not have.......implications for work as i was in works van and personal insurance premuim etc..
  10. i,ve received photos of the alleged offence and it shows me slowing from 10mph in one phot to 6 mph in the next............the nose of my vehicle is 1 metre passed the light .......i wrote and asked them to reconsider as although i went over the light i was in fact stopping and didn,t cause any danger/obstruction etc............ they have advised that prosecution will proceed and offered me £60 and 3 points............ i wondered if anyone in this position would opt for court or as i suspect the judge will simply agree with the police and increase fine and points.. has anyone been
  11. should i write asking for photo before i fill in drivers details form..........will they reply to this and if not the 28 day time limit will get closer and closer... anyone had any luck getting photos.. if i fill drivers details what lines of appeal is there or communication with them other than court.
  12. just received a notice of alleged red light offence on 10/04/10........the letter was dated 26/4/10........however the police had to contact my employee to get my details as it was a works van i was in.......does this matter when it comes to the 14 day rule??? also it states my speed was clocked at 10mph...............that rings alarm bells as firstly i do not remember running a red light and if i did at thos speed then i would have literally crawled through the lights...........i rememeber incidents in my works van when i consider it borderline driving so i,m really puzzxled about this o
  13. 3 Other considerations In addition to the above, there is a requirement that an agreement should be legible under regulation 2 of the Consumer Credit (Cancellation Notices and Copies of Documents) Regulations 1983. Quite often, credit card companies in particular do not appear to keep copies of the executed agreements but rely on the 1983 regulations allowing them to 'reconstruct' the agreement. If a case based on such an agreement comes to Court, the defence should point out strongly the requirement of the Civil Procedure Rules (CPR). Paragraph 7.3 of Practice Direction 16 says
  14. there is no specific credit limit on this cca.........."we will tell you from time to time what your flexible loan limit is"....... surely therefore it is not properly executed.......or am i missing something?? it mentions further down an assumed credit limit of £7000........... what happened with these loans as i seem to recall is that the sent you the terms already signed by them then you sent it back and they authorised a credit limit after final checks.........you found out what it was when you logged into you account........ am i onto something??
  15. i have posted this before but got no answer.........try again. thanks cahoot cca :: cahoot cca page2 picture by gwa70 - Photobucket cahoot cca :: cahoot cca page1 picture by gwa70 - Photobucket
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