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    • That is a superb WS. However, I have a few tweaks to suggest. In (2) "indicating" not "indication". I think to be consistent with your numbering, in (6) the Beavis case should be EXHIBIT 2. Do you really need to include over 100 pages of Beavis?  I think that would be likely to annoy the judge.  Just try and find the bit where they decide it was not a penalty due to having an interest in limiting the time that vehicles can stay. I'll have a look myself for this bit later as it's highly likely to be in WSs from PPCs who think that that paragraph means all their charges are valid always on every occasion. After your current (7) add this.  It's always useful to refer to a judgment when making a legal point - 8.  In the case PCM vs Bull, Claim No. B4GF26K6, where the Defendant was issued parking tickets for parking on private roads with signage stating “No parking at any time”, District Judge Glen in his final statement mentioned that: “the notice was prohibitive and didn’t communicate any offer of parking and that landowners may have claim in trespass, but that was not under consideration”.   In (14) if my maths are right the CPR request should be "EXHIBIT 3".  it is missing from your list of exhibits. In (16) the two figures should be £100 and £170.  They are entitled to increase fro,m £60 to £100, they are not entitled to increase to £170.  To make it clear for the judge I would write - 16. The Claimant has artificially inflated their claim for a £100 invoice to £170. This is simply a poor attempt to circumvent the legal costs cap at small claims. 17. The Claimant has also invented a second fictitious charge, for legal representative's costs, when they have no legal representative. You also need ot number your exhibits. The rest is excellent - well done.
    • Did you ever think of walking away? Become bankrupt and in 12 months it'll all be behind you. My feeling is that you may well get nothing from the sale of the property anyway. Going by the date this thread started it looks like eight years of arrears, lender's costs and receiver’s fees on top.
    • Just to clarify - I make use of evening legal clinics. It is not always possible to see a lawyer (they have limited time and days/week).  This means questions one has may never get answered or there's weeks between follow-ups.   To be really clear - I am representing myself; I am playing at being lawyer/ barrister - which means I take help wherever I can get it (and then research it thoroughly). Ae - a judge in a recent hearing pointed out the receiver is not part of my current proceedings - and suggested I have a separate claim v the receiver. Disclosure has presented damning evidence v the receiver  The receiver against whom I have a complaint is not part of the receiver governing body.   The receivership is in 2 names - a joint one.  My complaint is directed at whom I was told is the lead receiver.  The other named receiver IS a member of the governing body.  But he has now left the company.  And the lead receiver has retired - but is still a working consultant on my case.   All the evidence shows it was the 'lead' receiver who was doing all the  work/ the misbehaviour.   But if the appointment was 'joint' would I make a complaint against them both?    I am sure that wouldn't go down well with the other receiver who is at the beginning of his career. The law is very much against borrowers.   But the evidence against this receivership is crystal clear.   I just don't know how and to whom to complain.   The places I've tried so far don't offer much transparency       
    • Ok, noted, thanks again. I'll share details of every communication received just to make sure.
    • Yes. I sent back the PAP form stating they hadnt supplied the correct paperwork and that pdf is what they sent back
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      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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ARC dudes - Egg


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In early 2006 I received rather threatening phone calls from the lovely people at ARC demanding repayment of an Egg loan I had secured a few years earlier. I agreed with ARC a repayment schedule and since March 2006 I have been paying back a tidy sum each month. I'm wondering now, after reading the success some people have been having with DCAs, is there a way I can get these morons off my case?? Is writing to them and asking for a CCA the way to go after almost 2 1/2 years of repaying? Many thanks for your comments.

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In early 2006 I received rather threatening phone calls from the lovely people at ARC demanding repayment of an Egg loan I had secured a few years earlier. I agreed with ARC a repayment schedule and since March 2006 I have been paying back a tidy sum each month. I'm wondering now, after reading the success some people have been having with DCAs, is there a way I can get these morons off my case?? Is writing to them and asking for a CCA the way to go after almost 2 1/2 years of repaying? Many thanks for your comments.

 

 

YES :D

 

JOgs

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Should I cease payments until they're able to provide me with the agreement? I presume I should include in the letter that I am not going to pay them until they do!

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Oops, sorry, I read 'secured' in the wrong way.

 

In that case, by all means CCA :D Make the ***** do some work :p

 

As you have been paying, it's best to continue to do so until/if they exceed the initial 12 + 2 working days deadline, at which point, should they have not complied, you can legally withold payments as the account will be in dispute.

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Ok I'll draw up a CCA letter to them. Out of curiosity, if a DCA places a default notice on your credit profile, how do you go about getting them to remove it??!

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Hi, Nandj.

 

Have a look in this Forum.

 

http://www.consumeractiongroup.co.uk/forum/data-protection-default-issues/

 

Regards.

 

Scott.

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  • 2 weeks later...

I've sent a request through to ARC for the CCA. I've been trying to find a template of a letter on the forums to send to them if they fail to provide the agreement within the 12 day period, can anyone point one out? Thank you.

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The only cloud which may loom is that most people on here have found that Egg agreements are generally watertight and have a habit of being available when requested. That doesnt mean you shouldnt go ahead, just dont get your hopes up too high with Egg.

Of course I will pay you everything you say I owe with no proof.

Oooh Look....Flying Pigs

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  • 2 weeks later...

Update: The end of the 12+2 days period is looming and I'm formulating a letter to dispute the debt if they fail to provide the CCA, I'm right in thinking this is the way to go? I presume I'm well within my rights to demand ARC stop taking payments from my debit card until they provide me with the CCA? If they carried on taking money would this be construed as theft??

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You can legally stop payments if/when the account enters a default situation, ie. non-comp. of CCA request if you wish. You must tell the DCA in writing to cease payments on your card and advise your bank accordingly. If they still try to collect you may have to cancel your card. Your bank only need to know that a company is illegally trying to take payment ;)

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Excellent, I'll notify my bank and shaft the ARC losers. Out of curiosity, does anyone have a link to a letter that I can send to ARC informing them that they've failed to provide the CCA in the given time, and I'm now disputing the debt?

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Today I received a copy of my CCA, unfortunately it all looks in order so not much to do there. More worringly ARC have stated in the covering letter that now they have supplied me with the CCA they require full payment within 10 days. Can they really demand this of me, I'd rather continue with my measly monthly instalments..

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