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    • Daft question - but you filed the defence on-line on MCOL as dx indicated, right?
    • We looked up the e-mail address so communications would be in writing.  If you do stuff on the phone the other party can just deny the contents of the conversation.  They can't deny what's written in an e-mail. So time to sort Pete out.  Check the following for accuracy and change anything I've got wrong.  Then e-mail Pete this evening.  I was thinking of threatening the pub with legal action but let's initially be nice.   Dear Pete, Re: PCN no.XXXXX, claim form no.XXXXX on 23 July 2022 I was a customer at your pub and I attach proof of purchase. I was picking up my cousin Ms XXXXX and her family as she was working as a cook with you at the time.  I entered the pub through the back door, went to the bar, and ordered a drink and a meal.  At no point did any bar staff alert me that I needed to add my registration number or did I see any signs advising me to do so.  I then took a seat outside in a small seated area so I could chat to my cousin while waiting for her to finish work.  We were joined by the management of the pub and bar staff during my time waiting  I was shocked a few days later when I received a demand for £100 from Civil Enforcement Ltd.  i contacted the pub and was told "don't worry, it's not enforceable". Well, that information turned out to be nonsense because I have now received a county court claim form from CEL. I contacted the pub again on XXXXX and was extremely disappointed to be told "there's nothing we can do". Of course there is something you can do.  You are the organ grinder.  You called CEL in.  You can call your dogs off.  Your pub has absolutely superb reviews on Google Maps regarding the way in which you treat guests.  Do you really think customers should be dragged to court?  I'm sure you don't. I am therefore requesting that you intervene and instruct CEL to cease court action. Yours, XXXXX
    • Thank you - Defence has now been filed Doc_20240501_182920_Redacted.pdf
    • The US central bank has left interest rates unchanged again, noting a "lack of further progress" toward lowering inflation.View the full article
    • Hurrah! We got there.  After asking four times about the defence you've answered. To win this you will have to be a hell of a lot more pro-active and get reading up.  The standard defence is on every single claim form thread here. So first task for the evening. Go to  https://www.consumeractiongroup.co.uk/topic/393251-received-a-court-claim-from-a-private-parking-speculative-invoice-how-to-deal-with-it-hereupdated-dec-2021/ Scroll down to  Q2) How should I defend? There is the standard defence. Change (6) into (7) and add a new (6). 6.  In a further abuse of the legal process the Claimant is claiming £50 legal representative's costs, even though they have no legal representative. Get if filed this evening.
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M1PLG v Lloyds cc


Tonka99
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Hi cym

 

No I cant remember how to post links ect , bit rusty will have

to get myself together again lol

 

I have to get my defence together for posting Thursday so really need

someone to check the CCA out .

 

Regards

Tonks:-)

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HI Tonka

 

It is what it is, an application for credit and if accepted becomes an agreement (their words/terms not mine)

It does not contain the prescribed terms (unless their is a reverse or second page) but its not referred to on page 1.

There is a tick against PPI ? yours or theirs ?

 

Have you got the DN and anything else in response to your CPR request?

 

Andy

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Lloyds do not keep copies of DN

 

I will post up second page which you will see talks about section 5

I however can not see a section 5 it is a cut & paste job

 

I did tick the box

 

Please bear with me while i try to put link in

 

Regards

Tonks:-)

Edited by slick132
typo error
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Lloyds do not keep copies of DN (thats what I referred to, no Creditors keep DNs copies)

I did tick the box (being self employed?)

Please bear with me while i try to put link in

 

Regards

Tonks:-)

 

No probs

 

Edited by slick132
typo in Tonka's quote - edited on request

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They may be the T&Cs or not difficult to decipher.There is no section 5 as stated and on closer inspection it does state on the application see T&Cs overleaf.

I would suspect that most DJs would find that as enforceable.

 

Moving on need to see your DN and Formal demand as referred to in the P.O.C Tonka.

 

Dont worry about the CCA I wouldn't advocate you defending anyway on the basis of the agreement.

 

 

If you can get the above up on your post at your leisure tomorrow, i need my beauty sleep now:sad:

 

Regards

 

Andy

We could do with some help from you.

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  • 1 month later...

Hello

 

Update for this one , I was asked to send my copy of the Default Notice to **** which I did , then have received

a letter asking if I would like to do a Consent Order , also my PPI was not missold !!!! they have sent a Re- Constituted

Agreement which we are hoping will provide you with any additional information you may require in respect of the terms and conditions, also enclosed the relevent revised terms and conditions which took place whilst your card was still open .

 

Regarding unfair charges which have been applied to your credit card , they are part of the terms and conditions you signed when applying for the account .

Enclosed OFT postion on unfair charges as at April 2006 .They are however going to refund the differance a grand total of £60.10 @ 8% :lol:

 

Duty to serve notice of sum in arrears . This came into force on Oct st 2008, so does not apply .

 

I have received the AQ

 

Any thoughts welcome

 

Tonks

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Hi Tonks I see matters have progressed.

 

Consent or Tomlin Order? Have you received a copy of their AQ? Why was the PPI not miss sold if you was self employed?

Duty to serve Notice of Arrears did come into force 2008 but then again your default was also after 2008 so that wont wash.It may not be retrospective

as they imply but they must comply with the new amendments irrespective.

 

Andy

 

PS you can now PM me if any info is sensitive

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Hi Andy

 

I am not sure how to proceed I think the counterclaim is valid the PPI was missold the charges are unfair

they have said I didnt say why the PPI was mis sold and have sent new t/cs pity I didnt have them back in 2004

when i needed them !

 

got to go later x

 

Tonks

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Hi Tonks

 

You could push this on the PPI alone ,they must not be aware of the recent ruling on PPI.:roll: T&Cs are not going to change anything no matter what year there from.

The fact they have offered a Consent is signal enough to show they are not that confident.

 

I will catch you later when you have more time.

 

Regards

 

Andy

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Working on your response Tonks should have something completed for you tomorrow.

 

Regards

 

Andy

We could do with some help from you.

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Draft directions will need the addition of :

 

A Termination Notice or in the event of none termination Notice of Arrears.

Further details of the PPI insurance and handbook.

 

Regards

 

Andy

We could do with some help from you.

PLEASE HELP US TO KEEP THIS SITE RUNNING EVERY POUND DONATED WILL HELP US TO KEEP HELPING OTHER

 

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Have just checked the track and trace post office site

"This item is being sent to an address that has a re-direction in place and will take

an extra day to arrive "

 

Well this has been going on for two years now the postcode I used was BN3 7AU

Have sent another letter today special delivery with a differant address & postcode

will let you all know what happens to that one .

I think it is time to report this as you cannot get your money back from the post office

which is £5.45 everytime and your letter does not arrive on time , so folks track & trace

then print a copy of the signature which will have the time and date on it .

 

Tonks

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  • 3 weeks later...

Good evening

 

Update for this one

 

After sending a letter to try to settle with a full and final , to which I have had no response .

 

Have a date now for a Allocation Hearing in September

 

Have received from **** their Witness Statement in which they say I have no real prospect

of successfully defending the claim and are seeking Summary Judgment by virtue of CPR 24

 

They maintain that the PPI was not mis sold and the charges are fair .

 

 

Thanks for lookin

 

Tonks:-)

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