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Micky the Hippo

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Everything posted by Micky the Hippo

  1. Done, after some minor tidying up of grammar and removing that extra 'icon' in Consumer Credit Act near the end.
  2. bless you and thank-you very much, will submit through MCOL right now and await updates
  3. Particulars of Claim for reference only ..do not submit with defence 1.The Claim is for the sum owing of £ 5xxx in respect of monies owing under an Agreement with the account no.xxxxxxxxxxxxxxxx pursuant to The Consumer Credit Act 1974 (CCA). 2.The debt was legally assigned by Barclays Bank plc (EX BARCLAYCARD) to the claimant and notice has been served. 3.The Defendant has failed to make any contractual payments under the terms of the Agreement. A default notice has been served upon the Defendant pursuant to s.87(1) CCA. The Claimant claims
  4. Hi, umm what? Those are their POC from the claim form. ah, thats what I should have at the start of mine, doh, thanks, will edit accordingly sorry about me, slightly weary after a couple of busy days relaxing, thank-you
  5. Hello and yes indeed to getting on with it, here I am, reading a few other threads. So I can upload the below through MCOL ... I've lifted it from here Hoist claimform - Aqua Card debt***Claim Discontinued*** Is point 3 ok? Is there any need to admit to past dealings? As always, thanks for all and any help and advice Micky Particulars of Claim 1.The claim is for the sum of £xxx in respect of monies owing under and agreement with the account 12345678 pursuant to the consumer credit act 1974 (CCA)
  6. Apologies for the lack of updates, started a new job involving 30 miles of cycling each day so slightly weary in the evenings. I got the seemingly routine letter from Cohen a week and a bit ago about looking for requested documents and delaying everything for 14 days, attached. The original claim form was dated 12 Jul, am I right to think I need to send in a defence via MCOL within 28 days of that date, along the lines that I have not been send a valid CCA at any time and indeed no CCA of any kind from Hoist/Cohen? It's a fialry template defence? HC.pdf
  7. hello all, the defence is more or less boilerplate isn't it, essentially stating that the original CCA cannot be produced by the claimant?
  8. Hello again Coolio, the manager in the store refused to even look at the boots, said it would make him liable. The oil at the counter looked and said wear and tear but also refused to accept the letter or the boots. Aye aye on the LBA, will get that in the post this week and update accordingly as and when. Thanks Micky
  9. yes, I thought the same, astro as well so not even a grass field, they've plainly simply torn under the exact use they were designed and bought for
  10. Hi,sorry for delay in respnse, just started a new job. LBA here Sports Direct 1st June 2019 Dear Sir/Madam, On 26th January 2019 I bought a pair of Phantom VSN in size 11 from Sports Direct Chingford. Please see my details of purchase below. ..... screen grab from bank statement of card payment .... On the 27th June 2019 I was surprised to see that the sole of the right boot had torn open at one of the rear studs, making the boots unusable. Please see picture below. ..... picture of torn sole of boot .... The Consumer Right
  11. Yep, I don't pretend to be as expert on this as bankfodder but I wholeheartedly agree with all his advice and your actions, what's the point of all the consumer law if no-one has the gumption to use it. As he says, its made to be suitable for the common man and this appears to be very simple legally.
  12. hello both, just read this from start to the current point with interest and am now agog waiting to see developments, well done both
  13. hello, you and I appear to have been sent a claim form on the same matter on the same day, posted my CCA and CPR this morning, will be following your progress with interest.
  14. CCA plus PO and CPR both just posted second class with proof of posting.
  15. The typos and spelling are irrelevant other than amusing. I've just sent off my CCA and CPR so following this one with interest, good luck.
  16. Hello everyone I bought son one a pair of football boots in Sport Direct in late Jan this year, the only ones that fit his rather odd feet were £85, so far so good. After five months one of the moulded studs ripped away from the sole leaving the boots useless. I've bought him boots every year, astro and grass for the last ten years and every single pair lasted a season until he grew out of them, in this case the sole of the boots simply tore under normal use on astroturf and for the money I paid it seems to me that the sole was not strong enough for the purp
  17. hello all Claimant - Hoist Finance UK Holdings 3 LI Date of issue – 12 July 2019 What is the claim for – The Claim is for the sum owing of £ 5xxx in respect of monies owing under an Agreement with the account no.xxxxxxxxxxxxxxxx pursuant to The Consumer Credit Act 1974 (CCA). The debt was legally assigned by Barclays Bank plc (EX BARCLAYCARD) to the claimant and notice has been served. The Defendant has failed to make any contractual payments under the terms of the Agreement. A default notice has been served upon the Defendant pursua
  18. Hello all I banged off a ppi enquiry to every single company that I had ever borrowed from, in case, although I'm fairly sure I always declined any extra services. Egg/One Canada Square replied last to say that I did have ppi on a very old credit card back in the day. I complained and today got a letter saying that my complaint was upheld but there was nothing to refund as no premiums were ever applied, something like that. Does that sound sensible/likely? If I dig out some old statements will it show on them as a separate line? SAR? Thanks Micky
  19. deedy, fair point and I one that I'll rely on them to make, i assume the repair fee will still be paid although there is an argument relating to inconvenience and loss of something
  20. google says a refurbished one in the same model will be £200ish
  21. That's good advice, thank-you Sorry about me, off work with a crocked knee and got a bit daytime tv la la They're local so will help the daughter with the letter first thing and she can politely hand it to them tomorrow Will update with progress Micky oh and it's an 18 month old iphone 6 in good order barring it wanting a £25 repair, the daughter will research it value tomorrow morning
  22. Hello, i suspect this is fairly straightforward but google is unhelpful My daughter took a damaged Iphone 7 to the local repair shop that have done loads of good repairs for us and friends. They've said they've been burgled and her phone amongst other is stolen, their initial response to her is to try and track it down online I assume i right that they have to replace it with a like for like? If they are reluctant what is the best way to go? Legal or otherwise? I'd like to quote the relevant law or legal recourse to show them I mean business. And how long is reasonable to w
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