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  1. sorry to say this but i have seen a recent set of credit cards terms and conditions -- with a section --- if/when you die and the company definitely wanted their money owing if/when you die ---- suggest you get a set of t & c from santander and check it out.
  2. just to put a link to events in parliament today concerning vulture funds and a private members bill getting an unopposed second reading. all speakers found the existence of thes funds abhorrent. http://www.consumeractiongroup.co.uk/forum/debt-collection-industry/249352-private-members-bill-re.html
  3. today the Debt Relief (Developing Countries) Bill 2009-10 private members bill Type of Bill:Private Members' Bill (Ballot Bill)Sponsor:Andrew Gwynne got a 2nd reading unopposed {sadly due the the forthcoming election it could eventually fall by the wayside unless it is effectively "fastracked"} vulture funds purchase sovereign debt and make vast fortunes via the british courts[very similar in theory to the way companies like cabot etc purchase debt ] all parties in parliament find this procedure abhorrent. http://services.parliament.uk/bills/2009-10/debtreliefdevelopingcountries.html the point is these MP's who speak positive about this bill including Andrew Gwynne need to be made aware of the debt purchasing companies and their dubious tactics etc here in the UK
  4. how did this get into small claims court when the amount is clearly over £5,000? no need to say in open forum
  5. after todays debacle of the rbs share price ( down approx 65%) to 11.8 pence ? the following post might be of interest to rbs credit card holders http://www.consumeractiongroup.co.uk/forum/show-post/post-1928576.html
  6. now in view of the fact that RBS today became a "penny stock" the following statement seems very interesting "unless RBS’ long-term senior unsecured indebtedness as rated by Moody’s, Standard & Poor’s or Fitch Ratings were to fall below Baa2, BBB or BBB, respectively. The lack of notice has several legal consequences "
  7. suggest you refer to this thread in particular the generous offer made by pt2537 on post 5 !!! "halsbury eat your heart out " http://www.consumeractiongroup.co.uk/forum/debt-collection-industry/122201-more-secrets-about-assignment.html#post1260656
  8. in simple terms when foreign companies such as MBNA i(capital one ??) increase the interest rate to these "extortionate" levels when people fall on hard times as many people in authority MP's press etc need to be made aware of what is going on .......... if they were to default you (presuming they came up with a valid agreement) does anyone think applying for a time order would work ?? http://www.insolvencyhelpline.co.uk/debt_factsheets/time_orders.php
  9. http://www.consumeractiongroup.co.uk/forum/legal-issues/171221-what-deed-relating-assignment.html
  10. however their could be a fatal flaw here if the deed of assignment was not witnessed the deed of assignment is a 4 or 5 page document http://www.consumeractiongroup.co.uk/forum/legal-issues/171221-what-deed-relating-assignment.html#post1847457
  11. Law of Property (Miscellaneous Provisions) Act 1989 (c. 34) Deeds and their execution. 1.—(1) Any rule of law which— (a) restricts the substances on which a deed may be written; (b) requires a seal for the valid execution of an instrument as a deed by an individual; or © requires authority by one person to another to deliver an instrument as a deed on his behalf to be given by deed, is abolished. (2) An instrument shall not be a deed unless— (a) it makes it clear on its face that it is intended to be a deed by the person making it or, as the case may be, by the parties to it (whether by describing itself as a deed or expressing itself to be executed or signed as a deed or otherwise); and (b) it is validly executed as a deed by that person or, as the case may be, one or more of those parties. (3) An instrument is validly executed as a deed by an individual if, and only if— (a) it is signed— (i) by him in the presence of a witness who attests the signature; or (ii) at his direction and in his presence and the presence of two witnesses who each attest the signature; and (b) it is delivered as a deed by him or a person authorised to do so on his behalf. (4) In subsections (2) and (3) above "sign", in relation to an instrument, includes making one's mark on the instrument and "signature" is to be construed accordingly. (5) Where a solicitor or licensed conveyancer, or an agent or employee of a solicitor or licensed conveyancer, in the course of or in connection with a transaction involving the disposition or creation of an interest in land, purports to deliver an instrument as a deed on behalf of a party to the instrument, it shall be conclusively presumed in favour of a purchaser that he is authorised so to deliver the instrument. (6) In subsection (5) above— "disposition" and "purchaser" have the same meanings as in the [1925 c. 20.] Law of Property Act 1925; and "interest in land" means any estate, interest or charge in or over land or in or over the proceeds of sale of land. (7) Where an instrument under seal that constitutes a deed is required for the purposes of an Act passed before this section comes into force, this section shall have effect as to signing, sealing or delivery of an instrument by an individual in place of any provision of that Act as to signing, sealing or delivery. (8) The enactments mentioned in Schedule 1 to this Act (which in consequence of this section require amendments other than those provided by subsection (7) above) shall have effect with the amendments specified in that Schedule. (9) Nothing in subsection (1)(b), (2), (3), (7) or (8) above applies in relation to deeds required or authorised to be made under— (a) the seal of the county palatine of Lancaster; (b) the seal of the Duchy of Lancaster; or © the seal of the Duchy of Cornwall. (10) The references in this section to the execution of a deed by an individual do not include execution by a corporation sole and the reference in subsection (7) above to signing, sealing or delivery by an individual does not include signing, sealing or delivery by such a corporation. (11) Nothing in this section applies in relation to instruments delivered as deeds before this section comes into force. Deeds and their execution.
  12. I HAVE BEEN TOLD THAT HALIFAX have been sending out a lot of the "same " cut and paste letters recently signed by different members of staff. how do the laws of scotland apply ????? in england
  13. any update on this thread have been reading it but have noticed that the two halves of the document on post 1 do not fit together properly , part 1 has the start of a signatory box for the creditor, but it does not show on part 2
  14. Richard can i develop a hypothetical situation from the above post imagine the copy agreement was dated say , (pushing the situation to the extreme) 1993, would i be correct in assuming that; "Should an actual witness take oath and give evidence as to the accuracy of a copy document " then that person must have been employed by the company in the relevant year 1993 in this case,,,, consequently the defendant might have a right to demand proof of this fact ??? relating to the years of service ???
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