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    • Great thanks, will leave 2 in then, replace 3 and I think its good to go.    This is exactly what I have in my word file ready to send, I think im happy with it and can send to mcol monday morning. Any further thoughts or things to update please let me know.   Again thank you both for your help, really is priceless.         Defence:   1.     The Defendant contends that the particulars of claim are vague and generic in nature. The Defendant accordingly sets out its case below and relies on CPR r 16.5 (3) in relation to any particular allegation to which a specific response has not been made.    2.     The Claimant has not complied with paragraph 3 of the PAPDC (Pre Action Protocol) Failed to serve a letter of claim pre claim pursuant to PAPDC changes of the 1st October 2017.It is respectfully requested that the court take this into consideration pursuant to 7.1 PAPDC.   3.     Paragraph 1 is noted. It is accepted I have in the past had agreements with New Day LTD RE Aqua. I do not recall the precise details or agreement nor the claimant either having failed to plead an agreement/account number within its particulars of claim and have therefore sought verification from the claimant.   4.     Paragraph 2 is noted but until such time the claimant can clarify the agreement account number any breach has yet to be proven.      5.     I am unaware of any legal assignment or Notice of Assignment allegedly served by either the Claimant or New Day LTD RE Aqua pursuant to the Law of Property Act 1925.   6.     It is denied with regards to the Defendant owing any monies to the Claimant. The Claimant has failed to provide any evidence of the Agreement/Assignment/Default notice or Termination requested by CPR 31. 14, and will shortly be in default of my section 78 request, therefore the Claimant is put to strict proof to:   (a)   show how the Defendant has entered into an agreement and; (b)   show and evidence the breach and service of a Default Notice pursuant to sec 87(1) CCA1974 on which the Termination referred to relies upon. (c)   show how the Defendant has reached the amount claimed for; and (d)   show how the Claimant has the legal right, either under statute or equity to issue a claim;   7.     As per Civil Procedure Rule 16.5(4), it is expected that the Claimant prove the allegation that the money is owed.   8.     On the 17th of November I requested to The Claimants Solicitors, Mortimer Clarke by way of a CPR 31.14 copies of the documents referred to within the Claimants particulars to establish what the claim is for. Mortimer Clarke have failed to fulfil my CPR 31:14 request.   9.     On the 16th of November I made a section 78 legal request to the claimant for a copy of the Consumer Credit Agreement. The claimant has as of of 06/12/21 failed to comply.   10.  By reason of the facts and matters set out above, it is denied that the Claimant is entitled to the relief claimed or any relief.
    • Hi just a quickie   Now in reference to my Post#2 here have they actually provided you with those policies that I pointed out and importantly a copy of there Public Liability Insurance?   If they haven't   Make sure and send them a little reminder adding to the letter in Post#32 that so far they have failed to provide these and you require clarification as to their reason for this failure     Dear Sir/Madam   Complaint Reference: XXXXXXXXXXXXXXXXXXX   Further to my recent letter about this matter Dated XX/XX/2021 I would also like to add that so far you have still failed to provide the following:   Copy of your Compensation Policy (not the leaflet) Copy of your Complaints Policy (not the leaflet) Copy of your Customer service Charter/Policy (not the leaflet) Copy of your Public Liability Insurance (not the leaflet) Copy of Repairs an Maintenance Policy (not the leaflet)   I asked for these is my letter to yourselves dated XX/XX/2021, to date you have failed to respond to this request nor is the Housing Association being Open and Accountable to it's Service Users and I require full clarification for the reason for this failure and when you are going to provide what I have requested.   If you refuse to provide these I require full clarification as to your reason with links to the relevant legislation and exactly which parts you are relying on for your refusal of my request.     Note: If they have answered this please ignore but from your responses I think they have tried to ignore this so you add this to put a rocket up their 'beep' so to speak.   You are more than welcome to the help it's what we are here for, you just look after yourself and take care     
    • The DVLA know less about POFA than my dog that died twenty years ago. They also never admit they have made an error.   Trading Standards would probably be a better avenue for you either on Council inaction on no pp thus appearing to aid and abet a PE scam, condoning PE committing an offence and allowing them to rip off the Council customers as well as financial impropriety by not insisting that PE pay for the requisite fees for permission. You could also complain to the ICO on the same grounds and get two investigations going.
    • I am surprised that POPLA found that your appeal had failed when Initial's response to the appeal had been withdrawn. There was no need for them to adjudicate. POP.LA should have agreed that you had won your appeal. I wonder if Initial  knew something that you and obviously POPLA didn't.  Ignore DRP. I was going to advise  you  write to Initial stating that as they had withdrawn their PCN on appeal so if DRP were acting on instructions from Initial they have breached your GDPR. However on second thoughts you may be best to send them a SAR first to get confirmation that they had withdrawn their claim before going for the breach.
    • so the eon A/C was never in her name anyway?
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Champix - anti smoking drug warning!!


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Typical ex-smokers attitude

 

Keep it up all of you trying to give up. Best of luck

 

I wouldn't regard it as "typical ex-smokers attitude". You should not tar everyone with the brush!

Yes, some people do go way over the top but not everybody does.

I am an ex smoker. I gave it up in the space of two minutes after a little chat with my heart consultant in hospital.... from 40 a day to zero.

That cold turkey was delicious.

 

I don't have a problem with other people smoking, in the same room as me, if they wish. I had so many instances of the holier-than-thou attitude of some ex-smokers when I smoked, that I vowed that I would never fall into that trap..... and I never have.

 

I will freely applaud anyone who makes the choice to give up smoking and encourage them in any way that I can. On the other hand, I will never criticize anyone who doesn't succeed. Having tried, unsuccessfully, a number of times before my first heart attack... rather, I will suggest that they try again. It's a habit and I know from experience how hard it is to quit.

 

Well done everybody who has made the decision. Good luck.

If you have failed and succumbed to having a fag..... it's not the end of the world. Just try again....You'll reach your goal eventually.

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I'm sorry Rooster perhaps my previous post was wrongly worded but it is the attitude of a lot of ex-smokers. I am a long distance lorry driver and have had several aborted attempts at giving up, I smoke from boredom. I am going to have another attempt now that the new smoking laws have come into being and I can no longer smoke while I am driving.

 

So here goes, I will let you know how I get on.

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Hi Michael good luck in your quit! ;)

You are right in that a lot of people do have that attitude but i can

honestly say with hand on heart ive never had this attitude before when ive given up smoking

I think its down to the fact that i know i have given up for the final time, i will never smoke again

I have a bad chest so gave up for three reasons, my health, my grandchild and money

Champix made it easy for me, i hope you do as well as me

I QUESTION THEREFORE I AM!! [sIGPIC][/sIGPIC]

 

Unfortunately i'm not an expert in any given field legally and my advice and that of the Consumer Action Group and the Bank Action Group is given without prejudice and without liability so please if in any doubt whatsoever seek help from an insured qualified professional. Contents of my posts are purely my own personal opinions and not condoned or endorsed in any way, shape or form by CAG. Thank you! :p

 

 

I have been smoke-free for 4yrs

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I'm sorry Rooster perhaps my previous post was wrongly worded but it is the attitude of a lot of ex-smokers. I am a long distance lorry driver and have had several aborted attempts at giving up, I smoke from boredom. I am going to have another attempt now that the new smoking laws have come into being and I can no longer smoke while I am driving.

 

So here goes, I will let you know how I get on.

 

Well its been a week now since I gave up the smokes. It hasn't been easy, especially since going back to work. But I think I'm getting there.

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good for you!! congratulations!! keep up the good work and please permit yourself a drink or 10 this evening to celebrate the mighty Foxes return to Division 1 :-)

Lula

 

Lula v Abbey - Settled

Lula v Abbey (2) - Settled

Lula v Abbey (3) - Stayed

 

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Who's the mighty Foxes, is that the team with an ex Jambo in their ranks :p

 
 

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Who's the mighty Foxes :p

Dunno but I like their Glacier Mints

 

2502989808_81831680a7.jpg?v=0

Any typos spelling mistakes are due to leprechauns in my keyboard they move the letters around sometimes (amended just for Bookie)

 

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  • 3 weeks later...

Hello there, three weeks now and still not smoking. My wife says it is a miracle. I am beginning to notice what you said callumsgran about smokers smelling of ciggies as well.

 

I have given myself a pat on the back.

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Well done Michael :D

 

I didn't have any side effects with Champix, apart from a little nausea with the first tablet in the morning. Eating before hand sorted that out.

 

Good luck to everyone who is quiting, it's the best thing you can do for yourself.

 

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Well done Michael :D

 

I didn't have any side effects with Champix, apart from a little nausea with the first tablet in the morning. Eating before hand sorted that out.

 

Good luck to everyone who is quiting, it's the best thing you can do for yourself.

 

Lex

 

Thank you Mr lex, I haven't used Champix done it all on my own. Very hard sometimes but like everyone keeps saying, well worth it.

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welcome to the club extravirgin

 

every so often, even now, a smell of a ciggie send me into heaven.

 

it only lasts a few seconds and then back to reality.

 

the pitt fall smokers fall into is IVE GIVEN UP ONCE AND CAN DO IT AGAIN.

 

DONT FALL FOR THE ODD CRAVING

IT DOES GET BETTER

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If You Are Still Looking In Mr Lex

 

A Well Known Side Effect Of Giving Up Is Putting On Weight

 

I Now Look A Right Porker

Ime Eating With Out Even Thinking Of It

 

Any Sugestions

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If You Are Still Looking In Mr Lex

 

A Well Known Side Effect Of Giving Up Is Putting On Weight

 

I Now Look A Right Porker

Ime Eating With Out Even Thinking Of It

 

Any Sugestions

Mr Saintly's wallet keeps going into hiding with the new clothes that I've had to buy because of the weight gain .......... However I did need to put some weight on but nearly 2st is a bit more than I bargained for :eek::lol:

Any typos spelling mistakes are due to leprechauns in my keyboard they move the letters around sometimes (amended just for Bookie)

 

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FAQ

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I offer help and advice in good faith, based on my knowledge and experience. I am NOT a legal or financial expert. There are many CAG members and site team who are better qualified. Please do not make major decisions based on my advice alone.I do not give advice via P.M's. If anyone can correct my mistakes or improve on my advice, please do.

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I've been on Champix for 2 weeks now, finally gave up the fags on Sunday. I've had the weird dreams, was warned they were a side effect by the nurse at the doctors. I'd tried giving up before, tried patches etc,managed 2 weeks at new year just going cold turkey, before will power gave in and i started again. This time tho, haven't felt the urge to smoke like i did on previous attempts, tho i have been told the pills wont stop me from smoking, thats down to me and my will power, they'll be an aid to my giving up.

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