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Parcel delivery insurance is prohibited under section 57 – Consumer Rights Act – Read about It Here and in The Times. ×


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    • jk2054
      Caught using mother’s 60+ Oyster card - 50+ uses - SJPN Court

      By jk2054 · Posted

      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?
    • tedney
      Aged Debts

      By tedney · Posted

      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!!
    • paulhn757
      Barclaycard debt sold to PRA

      By paulhn757 · Posted

      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.
    • honeybee13
      Caught using mother’s 60+ Oyster card - 50+ uses - SJPN Court

      By honeybee13 · Posted

      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
    • AndyOrch
      Barclaycard debt sold to PRA

      By AndyOrch · Posted

      Have you previously requested the agreement by a CCA request ?

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    • Post in Suing a parcel delivery company when you don't have a direct contract with them – third-party rights Copy of judgment available

      BankFodder posted a post in a topic,

      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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      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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Parcel delivery insurance is prohibited under section 57 – Consumer Rights Act – Read about It Here and in The Times.

HSBC CCA received what next?

samcook1703

By samcook1703
in General Debt Issues

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BRIGADIER2JCS

BRIGADIER2JCS

Posted
Posted
CB is there anyway you can look at my private messages? Just I cant send or receive them at all. Just I want to drop Sam a PM too

Hi Pipster,

I have had a look at your PMs all seems to be fine, have

you cleared your files recently???

Any Letters I Draft are N0T approved by CAG and no personal liability is accepted.

Please Consider making a donation to keep this site running!

Nemo Mortalium Omnibus Horis Sapit: Animo et Fide:

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Pipster2797

Pipster2797

Posted
Posted

yeah all empty but says I have 0 messages remaining.

 

This is what I get if I try and send a message

 

 

Pipster2797, you do not have permission to access this page. This could be due to one of several reasons:

 

Your user account may not have sufficient privileges to access this page. Are you trying to edit someone else's post, access administrative features or some other privileged system?

If you are trying to post, the administrator may have disabled your account, or it may be awaiting activation.

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DonkeyB

DonkeyB

Posted
Posted

In pipster’s case, there was a DG WS and he had to call them to get a copy! They deliberately withhold this to put you at a disadvantage.

 

Call DG urgently and ask if they are entering a witness statement in support of their SJ application. 99% there will be one. You are entitled to it –*they are abusing process here. Record the call if you can. Be aware that they will tell fibs and, like pipster, will probably – and deliberately wrongly – will say you are not entitled to a copy.

 

Get on that phone asap.

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samcook1703

samcook1703

Posted
  • Author
Posted

I have scanned the agreement again. It is poor anyway. I hope its a bit better.

 

I have looked everywhere for the original DN. I cant locate it. Everything but!!!

 

I have added the mock one sent also on this link

 

http://s495.photobucket.com/albums/rr314/samcook1703/HSBC/

 

The case has been transferred to my local court.

 

I have had no witness statement from DG

 

There N244 only states evidence as listed below no tick for witness statement

 

PPI (Cardholder repayment Protection) was present prior to cancelling on Feb 2004 I have not been refunded.

 

They are offering £120 for charges incurred on the account in the N244

 

I am away from the computer now but will be on it later and all day tomorrow

 

I have started a skeleton but this is difficult without knowing what they're saying

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Docman

Docman

Posted
Posted

sam

 

I noticed you are away from home looking afer your mother. Are yo still intending to go to the hearing on 26th (This Thursday?).

 

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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samcook1703

samcook1703

Posted
  • Author
Posted

Court say nothing received. Calling DG tomorrow as didnt have chance to sit down somewhere quiet and record call.

 

Doc, Im trying to get someone to cover, if I cant go in person I have already signed a letter authorising my partner to attend and discuss it explaining my absence

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Pipster2797

Pipster2797

Posted
Posted

I think they will fax it to the court today. That's what they did with my case for the WS and the Skelly.

 

What time is the hearing tomorrow? Problem being is that if they post the WS will you get it by time of the hearing?

 

Ring DG first thing and come back to us with what they say.

 

This might be a good thing as it mirrors what happened with my case. They faxed the WS to the court the day before. My new WS that mirrored their points with answers was put in the day of the hearing explaining this was because the claimant had submitted the WS to me the day of the hearing. My case was set for 30 minutes and the DJ said the claimant sols "Do you expect me to read 2 WS and decide on a SJ within 30 mins?" I know your case is going to be heard for 45 minutes but if 2 WS get put in between now and tomorrow I doubt the judge is going to have time to read them both and cover the points within 45 mins. Case was relisted to be heard over 2 hours.

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citizenB

citizenB

Posted
Posted
CB is there anyway you can look at my private messages? Just I cant send or receive them at all. Just I want to drop Sam a PM too

 

Have flagged your query for admin.. I am not techie enough :(

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PLEASE DO NOT ASK ME TO GIVE ADVICE BY PM - IF YOU PROVIDE A LINK TO YOUR THREAD THEN I WILL BE HAPPY TO OFFER ADVICE THERE:D

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citizenB

citizenB

Posted
Posted

Well you need to go through that and comment/rebut any statements made.

 

Point 3 in respect of the PPI..

 

Where did you send it,

How did you send it ? - If by signed for post, did you keep the receipt and print off the signed for slip from the RM Website.

 

I think you said they refused/declined your request for a refund.. if you have that letter, then that proves it was received and Ms Hamilton is misleading.

Have we helped you ...?         Please Donate button to the Consumer Action Group

Uploading documents to CAG ** Instructions **

Looking for a draft letter? Use the CAG Library

Dealing with Customer Service Departments? - read the CAG Guide first

1: Making a PPI claim ? - Q & A's and spreadsheets for single premium policy - HERE

2: Take back control of your finances - Debt Diaries

3: Feel Bullied by Creditors or Debt Collectors? Read Here

4: Staying Calm About Debt  Read Here

5: Forum rules - These have been updated - Please Read

BCOBS

1: How can BCOBS protect you from your Banks unfair treatment

2: Does your Bank play fair - You can force your Bank to play Fair with you

3: Banking Conduct of Business Regulations - The Hidden Rules

4: BCOBS and Unfair Treatment - Common Examples of Banks Behaving Badly

5: Fair Treatment for Credit Card Holders and Borrowers - COBS

Advice & opinions given by citizenb are personal, are not endorsed by Consumer Action Group or Bank Action Group, and are offered informally, without prejudice & without liability. Your decisions and actions are your own, and should you be in any doubt, you are advised to seek the opinion of a qualified professional.

PLEASE DO NOT ASK ME TO GIVE ADVICE BY PM - IF YOU PROVIDE A LINK TO YOUR THREAD THEN I WILL BE HAPPY TO OFFER ADVICE THERE:D

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Pipster2797

Pipster2797

Posted
Posted

Is that their WS? all 5 points? I think HSBC think they have this in the bag. No mention of the DN!!

 

Sam, can you go through CB's points and answer them

 

Point 3 in respect of the PPI..

 

Where did you send it,

How did you send it ? - If by signed for post, did you keep the receipt and print off the signed for slip from the RM Website.

 

I think you said they refused/declined your request for a refund.. if you have that letter, then that proves it was received and Ms Hamilton is misleading.

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Pipster2797

Pipster2797

Posted
Posted

Just reading their WS and at the top headed in The Northampton County Court, Sam said earlier it has been transferred to his/hers local court. I'm pretty certain that Athlea Hamilton is working off templates because the Skeleton Argument she sent me was also headed in the Northampton County Court but her previous WS was headed in my local court!!

 

My point being that allot of claimants moan about defendants using the net and templates from it yet they seem to case by case do exactly the same.

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