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    • Same as Barclays one I have just updated on. PRA group have written back and told me they intend to proceed with claim, have also sent another stack of documents, similar to last time round. I did fill in an online income breakdown etc on their website  offering to pay them x amount of money back each month,  a couple of weeks back, they haven't acknowledged that ?  
    • Hello, I wasn't able to update the defence, so they got the daft one.  Pra Group have responded dated 25th April saying they intend to proceed with claim. I have also received a stack of documents, similar to last time - print outs of old statements, but this time around they have send me a copy of the Barclay Card Conditions. Unsigned and dated. The address is an old address.  A consumer credit agreement with current address. Pages of it and no signature. I have uploaded onto a PDF what I have. The CCA agreement looks like a generic print out, I5 pages + long, I've included the 1st page that had my details on (redacted) don't know if its necessary to upload all of it.  Barclays 26042024.pdf
    • I suggested consideration of bankruptcy some years ago. It was not well received.
    • That is a superb WS. However, I have a few tweaks to suggest. In (2) "indicating" not "indication". I think to be consistent with your numbering, in (6) the Beavis case should be EXHIBIT 2. Do you really need to include over 100 pages of Beavis?  I think that would be likely to annoy the judge.  Just try and find the bit where they decide it was not a penalty due to having an interest in limiting the time that vehicles can stay. I'll have a look myself for this bit later as it's highly likely to be in WSs from PPCs who think that that paragraph means all their charges are valid always on every occasion. After your current (7) add this.  It's always useful to refer to a judgment when making a legal point - 8.  In the case PCM vs Bull, Claim No. B4GF26K6, where the Defendant was issued parking tickets for parking on private roads with signage stating “No parking at any time”, District Judge Glen in his final statement mentioned that: “the notice was prohibitive and didn’t communicate any offer of parking and that landowners may have claim in trespass, but that was not under consideration”.   In (14) if my maths are right the CPR request should be "EXHIBIT 3".  it is missing from your list of exhibits. In (16) the two figures should be £100 and £170.  They are entitled to increase fro,m £60 to £100, they are not entitled to increase to £170.  To make it clear for the judge I would write - 16. The Claimant has artificially inflated their claim for a £100 invoice to £170. This is simply a poor attempt to circumvent the legal costs cap at small claims. 17. The Claimant has also invented a second fictitious charge, for legal representative's costs, when they have no legal representative. You also need ot number your exhibits. The rest is excellent - well done.
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    • We have finally managed to obtain the transcript of this case.

      The judge's reasoning is very useful and will certainly be helpful in any other cases relating to third-party rights where the customer has contracted with the courier company by using a broker.
      This is generally speaking the problem with using PackLink who are domiciled in Spain and very conveniently out of reach of the British justice system.

      Frankly I don't think that is any accident.

      One of the points that the judge made was that the customers contract with the broker specifically refers to the courier – and it is clear that the courier knows that they are acting for a third party. There is no need to name the third party. They just have to be recognisably part of a class of person – such as a sender or a recipient of the parcel.

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      This is good ethical practice.

      It would be very nice if the parcel delivery companies – including EVRi – practised this kind of thing as well.

       

      OT APPROVED, 365MC637, FAROOQ, EVRi, 12.07.23 (BRENT) - J v4.pdf
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This lost data, I'm concerned


Jamboray
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Here's something that has happened to me just recently.

 

I signed up to a new bank about 5 - 6 weeks ago for online banking.

 

Everything had gone well and like clockwork, however about 4 weeks ago, when I logged on to my bank, I found that I was unable to due to having too many unsuccessfull attempts, I hadn't tried to sign on for a couple of days and thought that it was strange, but followed the guidence to reset my information. I then noticed a click too late, that my email address had been changed to an email address that I used years and years ago. I immediatley phoned the bank to report this and got the normal assurancies that no one can access my account and all looked fine. I went through the process and re-set everything. A couple of days later, a letter arrives from my bank, saying thank you for your change of details, however please contact xxxxxxxxx to confirm you have requested this? I recieved another letter saying, I was successful with my application to open another account and my card would follow, I didn't apply?

 

I tried ringing the number and ended up talking to the banks helpline, who asked I go into my branch to follow this up.

I went to my branch with the letters and they looked into it on the system.

Regarding the second account being opened: This would have been if I had hit the submit button twiceconfused-smiley-013.gif That account was cancelled.

 

The change of details request: This was an error at the bank and hundreds of letters had been sent out to customersspeechless-smiley-040.gif

 

I was given the assurance again, that it was computer error and all was fine with my account. Nothing untoward has been going on since, but now with this !!!! up, it makes me wonder if there is a connection?

 

Does anyone know what date the discs went missing?

 

I would be on the register as I recieve childs allowance, tax credits etc.

 

Maybe I'm just putting 2 + 2 together = 5

06th April 2006 Statements requested for last 6 yrs:

Bank of Scotland: Current account Breaching DPA

Royal Bank of Scotland: Style Breaching DPA

Capital One: Mastercard Request for £499.23 on the 17th April. £40 refunded to account on 26th April. Small claim hearing 27th June. Full refund and interest 24th May.

Coop: Crashed and burned into giving in Full and final offered 16 days after LBA ;)

 

Thats enough just now, more to come though

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It was mid-October I think when the discs went missing.

 

And weird Al that is not a very nice thing to say about the OH:p

 

I would agree that if anyone stole my details they would be on a hiding to nothing.

BANK CHARGES

Nat West Bus Acct £1750 reclaim - WON

 

LTSB Bus Acct £1650 charges w/o against o/s balance - WON

 

Halifax Pers Acct £1650 charges taken from benefits - WON

 

Others

 

GE Money sec loan - £1900 in charges - settlement agreed

GE Money sec loan - ERC of £2.5K valid for 15 years - on standby

FirstPlus - missold PPI of £20K for friends - WON

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not being funny but..

it is quite easy to find out peoples sort & A/C details if you have a bit of savvy and.......

it does not really gain anything of an advantage.

 

the thing about all this that you SHOULD be very worried about is IF you use ANY details about your under 16 child in your passwords etc. or your pieces of classified information.

 

if you have then CHANGE THEM NOW.

 

dx100uk

please don't hit Quote...just type we know what we said earlier..

DCA's view debtors as suckers, marks and mugs

NO DCA has ANY legal powers whatsoever on ANY debt no matter what it's Type

and they

are NOT and can NEVER  be BAILIFFS. even if a debt has been to court..

If everyone stopped blindly paying DCA's Tomorrow, their industry would collapse overnight... 

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