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    • Hi. Could you post up what they've sent please so we can see what the charge is? Cover up your name and address and their reference number. HB
    • I've looked through all our old NPE threads, and as far as we know they have never had the bottle to do court. There are no guarantees of course, but when it comes to put or shut up they definitely tend towards shut up. How about something like -   Dear Jonathan and Julie, Re: PCN no.XXXXX cheers for your Letter Before Claim.  I rolled around on the floor in laughter at the idea that you actually expected me to take this tripe seriously and cough up. I'll write to you not some uninterested third party, thanks all the same, because you have are the ones trying to threaten me about this non-existent "debt". Go and look up Jopson v Homeguard Services Ltd, saddos.  Oh, while you're at it, go and look up your Subject Access Request obligations - we all know how you ballsed that up way back in January to March. Dear, dear, dear - you couldn't resist adding your £70 Unicorn Food Tax, you greedy gets.  Judges don't like these made-up charges, do they? You can either drop this foolishness now or get a hell of a hammering in court.  Both are fine with me.  Summer is coming up and I would love a holiday at your expense after claiming an unreasonable costs order under CPR 27.14(2)(g). I look forward to your deafening silence.   That should show them you're not afraid of them and draw their attention to their having legal problems of their own with the SAR.  If they have any sense they'll crawl back under their stone and leave you in peace.  Over the next couple of days invest in a 2nd class stamp (all they are worth) and get a free Certificate of Posting from the post office.
    • Yes that looks fine. It is to the point. I think somewhere in the that the you might want to point out that your parcel had been delivered but clearly had been opened and resealed and the contents had been stolen
    • Hi All, I just got in from work and received a letter dated 24 April 2024. "We've sent you a Single Justice Procedure notice because you have been charged with an offence, on the Transport for London Network." "You need to tell us whether you are guilty or not guilty. This is called making your plea."
    • Okay please go through the disclosure very carefully. I suggest that you use the technique broadly in line with the advice we give on preparing your court bundle. You want to know what is there – but also very importantly you want to know what is not there. For instance, the email that they said they sent you before responding to the SAR – did you see that? Is there any trace of of the phone call that you made to the woman who didn't know anything about SAR's? On what basis was the £50 sent to you? Was it unilateral or did they offer it and you accepted it on some condition? When did they send you this £50 cheque? Have you banked it? Also, I think that we need to start understanding what you have lost here. Have you lost any money – and if so how much? Send the SAR to your bank as advised above
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      On 15/1/24 booked appointment with Big Motoring World (BMW) to view a mini on 17/1/24 at 8pm at their Enfield dealership.  

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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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Good morning Ladies n Gents!, I think i'm in trouble.


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You can produce the agreement in court to catch them out for fraud – remember the time when you were reviewing your paper work and unfortunately you spilled a cup of coffee (unfortunately) over the prescribed terms on your copy – which of course renders the agreement illegible (well the important bits any way) and unenforceable.

 

or the dog got hold of it and found the Prescribed terms extremly edible rendering it illegible:p

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spilling coffee is a crime now? DAMN I thoughngt this govt were over legislating but it really is getting ridiculous

 

haha, but i'm more in favour to swing in the Bruce wayne's written book of the law. There's nothing like raw justice. Amen.

 

p.s i'm all for coffee spilling.:cool:

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hi, sorry i know i jumped the bandwagon pretty late, but is it true that most if not all credit card agreements taken out before April 2007 are pretty much not enforceable?

 

The C/C companies started to get their act together from around 2004 so its a bit of a lottery. The closer you get to 2007 I would say, the higher the chances that they're enforceable.

 

Having said that, looking at one yesterday from early 2007 that would struggle in court.

 

David

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Worth a try.... Project for 2009

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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interesting, most of my finance was taken out between 1995-2003..hmm i wonder

 

....and well you may.

 

Out of seven agreements I had dating from 1997 - 2001, (six credit cards, one fixed term), only the fixed term really stands a chance in court.

 

Even the fixed term has some issues but as these could well come down to the judge on the day and the ammount small, I've let it ride. The rest, totalling around £42k, got told to shove it.

 

Have a good 2009:D:D:D

 

David

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I read about it on the Card Wipe out company website.

I've not posted the link as I know that's frowned upon by CAG, but I did pick up on the one big point they are not so quick to mention.

 

Taken from the FAQ's at the site mentioned:

How much does your service cost?

£365 for your first case and £155 for each additional case.

 

OUCH! Thank you and goodbye to Capital Debt Solutions if they want to rip off a massive fee, when you can do it yourself a heck of a lot cheaper with the help of CAG.

 

All they've done is to qualify the cut off point, with CCA's before April 07 being most likely to fail being enforceable. There will be exceptions, some have been shown to be valid from before that time, some that were completed afterwards are not valid.

 

However, the methods and laws these companies use are the same as CAG have supplied, free, for some time. All they've done is re-write the letters they use...

 

As with debt management, do not use a company who charge a fee, they're just lining their own pockets on the grounds that most people do not understand the law or methods required.

Be good to those who give you advice that helps - click the star to give them your thanks by way of a reputation credit.

 

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Taken from the FAQ's at the site mentioned:

How much does your service cost?

£365 for your first case and £155 for each additional case.

 

 

Not looked at the site but I assume it's similar to others in that the fee is payable upfront.

 

David

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excellent chaps thanks for the input, i'm still wondering and pondering about my own debts. just to clarify, i was never interested in these kind of services..but just the unenforceable period...according to them. i found out about em (wipe out) as i skimmed the Credit online forum...they were moaning about em.;)

oh well.. it's a load of cow bab anyway...:)

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  • 6 months later...
T

 

For the record, Jaws.... I turned my back on several debts in a "previous life" and they never caught up with me. I had several postcards through the door, but they were ignored and that was that. They would be statute-barred by now anyway... I also know there was at least one CCJ from a previous address, but I've heard nothing in approx. 15 years and it's in no way connected to where I am now.

 

I know that makes me look incredibly irresponsible, but I had very good reason for doing it at the time.

 

Hope that helps...

 

:)

 

Hi PO,

it's been a while! Hope ya peeps still hanging around. An update, well i've done nothing about it. Funny thing is i just don't get stressed about it, i get some calls but never anything serious....pretty boring actually.

 

Still homeless, so i can't even get mail. No bank account. I feel like a bankrupt as i have been living like one since i turned my back on the debts 3 plus years ago. Well, what now? It would be great to send some cca's etc to find out wats going on, or do a credit check...but at no fixed abode..i can't.

 

I'm i still better off sitting it out or just going bankrupt? Ironically i've never needed to borrow money now i don't pay my bills..so i not bothered about credit..been self dependant for 3 years without it. i've learn't well.Also i if i ever needed to buy a house...doubt it, but my family will help with that.

 

Still it would be nice to see the mess i'm in via credit check wthout being tipped off by em. I don't want to use a friend or relatives address..forgot bout it. But i wonder if there's another way...PO box? or squatter house. :D

 

About me

 

1.Haven't acknowledged anything since being made homeless.(no fixed abode)

 

2.Don't claim benefits.

 

3.Owe £35 000 Unsecured debts (probably grown since a few years)

 

4. I just prowl around here in the hope that one day when i do come out of the woods i will have a good go at claiming some money back or cca'ing everyone with the ammo you wonderful ppl have supplied.

 

5. Unless i have already been made Bankrupt.:grin:

 

it would be great to hear from ppl in my situation.....plsss

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Hi PO! that's right no benefits for 3 years and no bank account.

Well, without too much info i kind of street entertain..via music. I just look out for myself...never asked for anything from the gov, so i feel entitled to my own money...if you don't mind me saying so.

 

p.s not to forgot my friends are pretty helpful.

Lets not forgot the benefits peeps kept on delaying, stopping, delaying my payments...i simply had enough. Now i scrape by on my own..just..

 

It'll be a bit of a trawl but you can check whether you've been made bankrupt in the Bankruptcy Orders

 

Thanks!

Yes that is a trawl...haha, did it a few months ago...never saw anything..i'll try again tomorrow..thing is my last landlord (a old friend) would have notified me or parents if i got bankrupt..apparently my dad just sends the mail back. who knows.

 

its great to deal in cash too...interestingly i always feel better off then the ppl using cards to pay in supermarkets...also the 'Cash only' self service till is nearly always free..while everyone else has to join the mile long queue to use their credit cards..makes me feel elite.:)

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  • 2 years later...

Hey, how's things!! so now it's 2012!!

 

well a few more months to mark a 6yr anniversary of not paying squat!...

still no bank accout!!!

still no address!!

cool huh?

changed mobile number too. ah bliss.

 

What would you do without rich friends..

.and a skill called tap dancing to pay for food.

 

.haha This has taught me to live within my means,

it's the best thing that has happened to me.

 

Im glad i don't have that constant worry of dread...or nagging credit bills.

 

I don't care what anyone says.

.i've done my 6yrs living like a bankrupty case..

.but still not filed for it..

.i wonder if i should.

.ive got by till now..

.so would it be in any benefit???

 

Hope your well, hope to hear from you plssssssss : D

 

Well anyone still around who remembers me?

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  • 1 year later...

Hi Jaws,

I've read thru your posts & its nice to see you back again.

 

How are you doing now? You must be clear off all the debt you left behind by now, so you can start again with a clean slate. (been there done it myself)

 

Anyways hope that life's treating you well & wishing you good luck for the future.

I don't suffer from insanity, I enjoy every single minute of it!!

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  • 2 weeks later...

Thanks Rainbow & Brigadier!

 

Well i suppose i'm wondering is there anything left to do? I've been in the wilderness since 2006 sept.... still no fixed abode. never claimed benefits...i couldn't care less. though i should have been entitled. These people contributed to this dilemma in the first place. So i will never ever sign up again.

 

So what now i was wondering? What happens when i pull my head out of the sand? Need to show my mug sometime.

 

Many Thanks. Jaws

 

p.s one thing i have learnt is you don't need credit.. but then i dont have a house or car...or kids...even so...you can always save up.

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You can always claim to be Lord Lucan and you will then receive some free accommodation at her Majesties pleasure.

 

These debts are only really a problem if they are enforceable and you have means of being able to offer payment. If you have need of social housing or benefits at any stage, then for these civil debts, if they are enforced in court, I doubt they would get very much more than a token amount, as you have to be able to meet your basic living needs, before any debt repayments.

We could do with some help from you.

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Thanks for the advice guys,

 

Yes i have not payed or made contact since 2006 august/sept with any of these loans/credit cards. Don't know what happened to my bank account. I wiped the slate clean. No idea. I basically left the town i was in for another and here i am again.

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Hi Jaws,

 

I think it's time you got a basic bank account so you can start to rebuild your life.

 

The Cooperative bank do a basic bank account ( cashcard ) which does no credit checks.

 

It's called a Cashminder but you'll need an address and some sort of proof of where you are living. You'll need to go into the branch ( as long as none of your old debts are associated with them ).

 

This card lets you do direct debits and pay online...etc.. But is no frills..

 

You don't get an overdraft either and you mustn't go into the red.

 

I think this should be your first logical step to start getting back on track.

 

Sounds like all your debts are statute barred anyway.

 

I hope that helps.

 

Regards,

Stormski

 

PS: DCA's and banks have a lot to answer for.

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Hi Jaws,

 

I think it's time you got a basic bank account so you can start to rebuild your life.

 

The Cooperative bank do a basic bank account ( cashcard ) which does no credit checks.

 

It's called a Cashminder but you'll need an address and some sort of proof of where you are living. You'll need to go into the branch ( as long as none of your old debts are associated with them ).

 

This card lets you do direct debits and pay online...etc.. But is no frills..

 

You don't get an overdraft either and you mustn't go into the red.

 

I think this should be your first logical step to start getting back on track.

 

Sounds like all your debts are statute barred anyway.

 

I hope that helps.

 

Regards,

Stormski

 

PS: DCA's and banks have a lot to answer for.

 

Hi Stormski!

 

Will this help my credit rating?

Thanks

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  • 5 years later...

**A very Quick update**

Thank you for the most wonderful help in those crazy dark days with a black sense of humor!

Somehow just somehow I came out of the shi*Storm nice and clean! I never filled a form, just rode the storm.

I've restarted my new life since 2014, no bother from anyone plus i have a clean 'Proper' bank account with the black horse- I rebuilt my credit with "aquacard" sensibly from what i learned on this website. All of a sudden I have excellent credit rating - it took 2 years. It seems the demons have gone......ahhhh life couldn't be better! Love you all x

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