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    • and it will be also now written off under age related criteria anyway.
    • @dx100ukThanks for this! I'm still not clear if I'm facing more than 6 points on my license though. Can you explain any further please? When I accept the 2nd speeding ticket, will they just charge me £100 and 3 points, or will they be more severe consequences since that offense took place the following day of the 1st offense? Similarly, when I accept the 3rd offense, will they look at my record or just charge me with the £100 fine and 3 points? @Man in the middleI've been searching the forum and you seem very knowledgeable. Would you mind giving a look at my query please? Thanks in advance!!
    • Yes of course. That's why it says cc:: BIg Motoring World at the bottom. Don't imagine that this solves the issue. It doesn't. He not have to force the finance company and big motoring world to accept the rejection to give your money back. I suggest that you get the letter off tomorrow. And let us know what you hear but on Friday you should then send a threat to the finance company.   Have a look what I have said here about your options and read the whole thread as well.  
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    • "as I have no tools available to merge documents, unless you can suggest any free ones that will perform offline merges without watermarking" (which you don't) ... but ok please upload the documents and we'll go from there
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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.

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      OT APPROVED, 365MC637, FAROOQ, EVRi, 12.07.23 (BRENT) - J v4.pdf
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Arrow/copes claimform - MBNA card 'debt' **DISC'D**


libra007
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Thanks Corn and Docman, I faxed the defence documents and confirm from the court that had received it.

 

let see whats the out come.

 

thanks again

 

You're welcome, but I feel bad we didn't have time for more help on this to be honest. Hopefully better prepared when hearing comes forward. Thank you for the click and I wish you loads and loads of luck with this, I know how scary it all is! Please please don't leave any time between receiving and opening your mail or delay letting us know!!:rolleyes::-D

 

Look forward to an update soon. Thank you for the click.x

 

Best wishes,

 

Corn x:)

CLICK ON THE SCALES IF YOU THINK I HAVE HELPED!

 

I AM NOT SCARED ANYMORE!:rolleyes:

 

MBNA - To quote "The Carpenters", We've Only Just Begun..................;):D

HSBC - Settled.

Capital One - S.A.R - (Subject Access Request) issued.

Goldfish - S.A.R - (Subject Access Request) issued.

Tesco - SAR issued.

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Thanks Corn and Docman, I faxed the defence documents and confirm from the court that had received it.

 

let see whats the out come.

 

thanks again

You're welcome. Let everyone know how you get on.

Doc

Arrow Global/MBNA - Discontinued and paid costs

HFO/Morgan Stanley (Barclays) - Discontinued and paid costs

HSBC - Discontinued and paid costs

Nationwide - Ran for cover of stay pending OFT case 3 yrs ago

RBS/Mint - Nothing for 4 yrs after S78 request

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  • 2 weeks later...

just an update, I received a letter from the copes solicitors 23rd April not with any documentation, and its just acknowledgement of my letter on 31st of March to Arrow. I also sent letter to copes on 2nd April but he hasnt mentioned this at all.

 

it goes, "you have requested a considerable amount of documentation, little of which is relevant at this stage, if you enter defence, both parties will be required to produce relevant documentation at discovery.

In order to assist you, we have ordered your of agreement and statements from our client. once in receipt of these we will of course forward them to you immediately.

If you intend to file a defence it would be helpful if you could send us a copy.

we await your response.

 

....

 

 

now shall i send them the defence docs that I faxed to court?

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I think it is up to the court to send a copy of your defence. I believe that some solicitors do send each other copies (and charge their clients for sending and receiving). Not that I would suggest that any reputable firm of lawyers would want to inflate their bill, you understand of course!

On the other hand, I think you should send both your CPR letter and the response to the court. The idea is that you show you have tried to find out some information to try to resolve but the other side are just being awkward. The judge can then make up his own mind about them.

Arrow Global/MBNA - Discontinued and paid costs

HFO/Morgan Stanley (Barclays) - Discontinued and paid costs

HSBC - Discontinued and paid costs

Nationwide - Ran for cover of stay pending OFT case 3 yrs ago

RBS/Mint - Nothing for 4 yrs after S78 request

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  • 3 months later...

As court had stayed the case, since then I had no communication from their solicitor, but received a letter two days ago with no documents at all, as this

 

you entered into credit agreement with MBNA on ... date

you defaulted on ... this date

from this date to this date you have been contacted via phone

debt was passed to Arrow on this date.

 

....

they will advise client to lift the stay and get the judgment as I do not have enough defence grounds.

 

could you suggest what shall i do now?

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I think a short letter back to them is on order. I suggest you say you require a true copy of the executed credit agreement that Arrow are relying upon, a true copy of the Default Notice in respect of the alleged debt and also a copy of the Notice of Assignment of the alleged debt to Arrow together with evidence of delivery of said Default Notice and the Notice of Assignment.

You should also add you will oppose any application for summary judgment and seek costs against their clients.

Arrow Global/MBNA - Discontinued and paid costs

HFO/Morgan Stanley (Barclays) - Discontinued and paid costs

HSBC - Discontinued and paid costs

Nationwide - Ran for cover of stay pending OFT case 3 yrs ago

RBS/Mint - Nothing for 4 yrs after S78 request

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I think a short letter back to them is on order. I suggest you say you require a true copy of the executed credit agreement that Arrow are relying upon, a true copy of the Default Notice in respect of the alleged debt and also a copy of the Notice of Assignment of the alleged debt to Arrow together with evidence of delivery of said Default Notice and the Notice of Assignment.

 

You should also add you will oppose any application for summary judgment and seek costs against their clients.

 

 

Forget the true copy bit that will only open the Rankine defence up for the Creditor and allow then to try and pass off a reconstructed unsigned agreement.

 

You must ask for a copy of the original signed agreement, default notice and Notice of Termination.

 

It is likely theywil;l be unable to comply or they would have provided it by now.

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  • 2 weeks later...

Thanks, sent the letter to Copes and faxed to the court.

 

Just another question, what happens next copes hasnt sent me any documents, case is stayed in the court. when and how it will decided? are there any time limits?

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  • 5 weeks later...

since sending out this letter and to court again no response from anyone. could anyone let me know what course of action i should take now? shall i ask the court now to stuck off the case?

 

docman, pt anyone please help

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  • 3 weeks later...

Hi there

It means your local court will take over the running of the case. It should make things easier for you. Have you had an AQ from your local court or not?

Arrow Global/MBNA - Discontinued and paid costs

HFO/Morgan Stanley (Barclays) - Discontinued and paid costs

HSBC - Discontinued and paid costs

Nationwide - Ran for cover of stay pending OFT case 3 yrs ago

RBS/Mint - Nothing for 4 yrs after S78 request

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  • 1 month later...
  • 4 weeks later...

Received the order copy from court, saying

 

it is ordered that

The claimant shall by 21st January 2009 file and serve the following:

1. copies of original signed credit agreement and any documents refferred to within it which complies with consumer credit act 1974 and all subsequant regulations which claimant seeks to rely upon.

 

2. Default notice compliant with s87(1) consumer credit act 1974 and cosumer credit(enforcement default and termination notices) regulations 1983 (S1 1983/1561) as amended.

 

3. Notice of assignment with proof of service of the same complaint with s196 of the law of property act 1925

 

4. Copies of any statement of other document relied upon.

 

..

 

 

 

how does it look, what course of action i should take??

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Its good because it means they have to provide these.

As Assignees then they would be required to have all these documents.You need to be clear as to who they have to file to...is it just the Court or all parties ?

So they have just under 3 weeks to comply.

I would phone the Court at 4pm on 21st to see if they have complied.

Before then its a waiting game.

Further directions will be given if they do comply in the meantime.

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Have a happy and prosperous 2013 by avoiiding Payday loans. If you are sent a private message directing you for advice or support with your issues to another website,this is your choice.Before you decide,consider the users here who have already offered help and support.

Advice offered by Martin3030 is not supported by any legal training or qualification.Members are advised to use the services of fully insured legal professionals when needed.

 

 

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