Do you have a link to a CPR 31.4 please ??

Right cheers for the info.......Can you give this the once over please ? Dear Sirs REQUEST FOR INFORMATION I refer to your letter dated 25th August 2011. Please treat this letter as my request made under CPR 31.14 for the disclosure and the production of a verified and legible copy of each of the following document(s) mentioned. The information must be furnished within fourteen days of the receipt of this letter. If you fail to comply, this will be reported to the Court, a copy of this letter will be provided as evidence to the same and an Order enforcing your compliance will be sought. 1. A true copy of the executed credit agreement that applied to the account at the time of default and at the time the account was opened. 2. All records you hold on me relevant to this case, including but not limited to: a. Transcriptions of all telephone conversations recorded and any notes made in relation to telephone conversations by your company, or by any previous creditor. b. Where there has been any event in my account history over this period which has required manual intervention by any person, I require disclosure of any indication or notes which have either caused or resulted in that manual intervention, or other evidence of that manual intervention in relation to my account formerly held with MNBA. c. True copies of any notice of assignment and/or default notice or enforcement notice that you or the original creditor sent me, with a copy of any proof of postage that you hold. d. Documents relating to any insurance added to the account, including the insurance contract and the terms and conditions, date it was added and deleted (if applicable). e. Details of any collection charge added to the account; specifically, the date it was levied, the amount of the charge, a detailed financial breakdown of how the charge was calculated, and what the charge covers. f. Specific details of the fees/charges levied by any other agency in respect of this account and a detailed breakdown of said fees/charges and what each charge relates to and on what date said fees/charges were levied. g. A genuine copy of any notice of fair use of my data as required by the Data Protection Act 1998. h. A list of third party agencies to which you have disclosed my personal data and a summary of the nature of the information you have disclosed. i. Copies of statements for the entire duration of the credit agreement. 3. Any other documents you seek to rely on in court. I will require this information within the next fourteen days. I must advise you that if the information is not forthcoming, it will be reported to the Court that you are trying to frustrate proceedings and denying me the opportunity to file a defence and counter claim. Yours sincerely,

Can I still send a CPR even though they are only threatening court action at this stage ?

Ok thanks for the info. Reading between the lines, if they have all the paperwork it looks like I`m up the creek without a paddle ! Dispite what davehayes has said I am considering sending a CPR.

Cheers for the replies. So what did you make of the "Priority Application Form" / Terms and Conditions ?? Would that actually be considered as an agreement and more importantly would they be able to enforce it ?? Here they are again: CCALARGE1740.jpg picture by jonesyboyo - Photobucket http://s160.photobucket.com/albums/t...ALARGE2741.jpg ......and by the way Link have now started to to phone me at home !

Thanks for the advice. Would that be a CPR 31.14 Request ?

Glad the document is ok and you like the fot`s ! You should find the content of the letter on page 4 of this thread !

Thanks for the reply Bazooka Boo. Hope the scans (above) are bigger? I cant say I have heard of Rankine and I dont know anything about recon agreements - a little research needed on my part there !! The letter reads: LETTER BEFORE COURT ACTION Link outsourcing limited has attempted to recover the outstanding balance from you but has however been unsuccessful. County Court Proceedings will now be issued against you without further notice. We shall obtain and enforce a couty court judgement against you.This may affect your ability to obtain credit in the future. You should be aware that where applicable contractual interest will continue to be charged on the outstanding balance until the debt has been fully repaid. although we will not ask you to pay anymore than the amount you would have paid if you had continued to pay your account as per the original terms of the agreement. You may be liable for the costs of any action we take and statutory interest will accrue on your account at 8% for the full period. We will also impose a maximum fee of £130.00 which you will be liable for. IF YOU WISH TO PREVENT THIS COURSE OF ACTION PAYMENT MUST BE RECEIVED IN FULL WITHIN THE 14 DAY PERIOD.PLEASE CONTACT AN OFFICER ON 02920 808698 AS A MATTER OF URGENCY

Hopefully these scans are a bit bigger!

.....and so the saga continues !! A few weeks ago I had a letter from a company called Elmswood - Which is part of LINK Outsourcing. The letter offered me a discount if I started to make payments again. As I do not beleive the agreement is enforcable I ignored it. Anyway, today I have had a letter from LINK threatening court action if I do not contact them within 14 days. I`m not sure if this a bluff on their part or not - after all the account has been in dispute for 18 months.

Hello All, Well it`s been a while since I posted regarding my problems with LINK. Until mid-January 2011 I had not heard from them since early May last year. Anyway in mid-January 2011 I recieved a call from their office in South Wales. They wanted me to go for a Full and Final Settlement - I told them that as I had not received a true copy off of the CCA I was still in dispute with them. The woman on the phone said one would be sent, and that she would get back in touch and look at a Full and Final Settlement. On 18 January 2011 I recieved 2 x photocopied A4 sheets from LINK. One showing the "Priority Application Form" and the other the "Terms and Conditions" . Exactly the same as the photo copied form that they sent me in May 2010, except that now its on two sheets of paper !!! Its now nearly two months since LINK phoned me. I have had no further contact with them either by phone or in writing !!! I would have thought that IF my account was enforcable that they would have been contacting me way before January 2011 - if it were. After all its an 8 month gap between sending a document that they claims fulfils their obligations. Add to this the fact that they haven`t contacted me since they sent the A4 sheets in January 2011 - which would also seem to indicate that the agreement is not enforcable !?? Your thoughts please.

Hi All, I am wondering if anyone knows of any insurance company that will let me transfer my 7 years NCD on a small commercial vehicle to a car. So far every company I have asked has said no, they cannot do it! Thanks for any replies in advance.

Cheers for that. The box "Your Right To Cancel" is on the lower right of the application form.Just above where it was signed by me. Above which is another box confirming that the info given by myself is true etc, and this box appears to have been writtten or signed on by someone called Hogan ?? There is nothing on the rear of the application relating to cancelling the agreement. I will standby for someone else to give me their opinion. I seem to think that a true copy of a CCA should be A4 in size? Thanks again...Nice avatar...RA??

Thanks for having a look. Yes there is a box marked "Your Right To Cancel" It goes on....Once you have signed this agreement you will have for a short time a right to cancel it. Exact details of how and when I can do this will be sent to you by post by the bank.

Hello again. Thanks for the advice re the images. Ive followed the intructions given and these are the best I can do !! Sorry. CCALARGE1740.jpg picture by jonesyboyo - Photobucket http://s160.photobucket.com/albums/t197/jonesyboyo/?action=view&current=CCALARGE2741.jpg