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    • Are you allowed to appeal if you plead guilty?   I know you appeal the sentence, but the criminal record formed from your guilt would surely remain?   I'm not sure if your able to appeal a crimianl record if you plead guilty are you?
    • DX: I did not pursue Link after I got the CCJ amended to monthly payments. Pretty sure the CCJ does not mention reviews, I do have the CCJ somewhere, I will have to look it up in storage. It is as mentioned on the thread you referenced  in your post #28. The Barclays loan was taken out in September 2004 for 60 months! Current Balance remaining approx £2K. On checking back my past correspondence with Barclaycard about this loan, there was a history of them ignoring my letters and offers to pay, and I even had problems in obtaining their bank account details for them to accept my payments! I have received strange correspondence from them too, one referring to insurance which I did not have. They seem very disorganised! Barclaycard told me to pay "Masterloan" a while back and I now receive regular statements and arrears notices from "Personal Loans from Barclaycard" clearly marked Masterloan, they changed the account reference number! I have never requested a CCA on this account. I advised them of my change of address last September, but they are still sending, until today, statements etc. to my old address! I have received 2 letters from Barclaycard Loan today though, not opened them yet!!
    • Yes, a few months ago. They wrote back saying there was no CCA and the debt was unenforcable. I then started gtting bombarded with threatening emails from their 'litigations team' which have been sent to spam. I've now recieved the letter before claim with the PAP form enclosed, but still no CCA or even a letter from them to say the debt is deemed enforcable. Thank you.
    • That's a shame but not unexpected.  I'm not sure about your assumed  questions because I haven't been to court but I'm not sure about not accepting a criminal record. It could be a language thing but it isn't your choice unfortunately.  HB
    • Have you previously requested the agreement by a CCA request ?
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    • Housing Association property flooding. https://www.consumeractiongroup.co.uk/topic/438641-housing-association-property-flooding/&do=findComment&comment=5124299
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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.

      Please note that a recent case against UPS failed on exactly the same issue with the judge held that the Contracts (Rights of Third Parties) Act 1999 did not apply.

      We will be getting that transcript very soon. We will look at it and we will understand how the judge made such catastrophic mistakes. It was a very poor judgement.
      We will be recommending that people do include this adverse judgement in their bundle so that when they go to county court the judge will see both sides and see the arguments against this adverse judgement.
      Also, we will be to demonstrate to the judge that we are fair-minded and that we don't mind bringing everything to the attention of the judge even if it is against our own interests.
      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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Just set off on the road!


swarfmaker
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Got my statement in today and have been hit with £60 charges to be applied next month. That's the last straw.

I've just emailed of my request under the DPA for a breakdown of all the charges over the last 6 years. I only wish I could go back further, as I've been with them for about 20 years.

Anyway, I've given them 21 days to respond to my request. Wish me luck.

I think I'll go and open an account with another bank, just to be on the safe side.

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Just got this standard email reply.

 

Thank you for the e-mail.

 

I acknowledge your request for copies of statements of your account since 1st January 2000.

 

Under the circumstances, your e-mail has been passed on to the Manager of the Complaints Unit within Service Recovery and I have asked that he notes your requests and responds to you at the earliest opportunity.

 

Regards

 

Keith Boden

Lloyds TSB - Service Recovery

Birmingham

 

 

Just got to wait now.

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Dear old Keith - another nom de plume

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  • 4 weeks later...

I've had difficulty logging on since the forum format changed, but to bring you up to date:-

I've calculated my losses using the online banking facility as £240 and have issued my letter asking for same. Got the standard reply saying sod off. Issued a LBA and again got the standard reply. So its off to court we go. I think I might just wander down to the Court on Monday morning and lodge the claim in person.

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If you use the form online you need to take 3 copies of it.

When you want to fool the world, tell the truth. :D

Advice & opinions of Janet-M are offered informally, without prejudice & without liability. Use your own judgment. Seek advice of a qualified insured professional if you have any

doubts.

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  • 2 weeks later...

I lodged my case with Bradford couunty Court last Tuesday 11/4/06 and got a receipt for my £30 fee. I've heard nothing since. I don't even have a case number yet. When should I hear from the court? Should they send me a copy of whatever they have sent to LloydsTSB?

Regards,

Swarfmaker

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  • 2 weeks later...

I took my N1 claim form in person to Bradford county Court on 11th april. I've just got my copy of the claim back saying that it was issued on 25th, deemed to be served on 27th. It's only taken the incompetent b******s 14 days to serve the claim.

Anyway claim 6BD02919 now served for £250 + fees +interest.

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  • 5 weeks later...

LloydsTSB have lodged a defence with the court.

What happens now? Do I wait for the court to contact me or should i contact them?

I've looked in FAQ but can't find the answer, though I'm sure I've seen it before.

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Just received my Allocation Questionnaire this morning.

I'm unsure of what to put in Section G (other Information), if anything.

Has anyone got some boilerplate text that can be modified?

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  • 12 years later...

This topic was closed on 03/06/19.

If you have a problem which is similar to the issues raised in this topic, then please start a new thread and you will get help and support there.

If you would like to post up some information which is relevant to this particular topic then please flag the issue up to the site team and the thread will be reopened.

- Consumer Action Group

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