Jump to content


  • Tweets

  • Posts

    • I've inserted their poc re:your.. 1 ..they did send 2 paploc's  3. neither the agreement nor default is mentioned in their 2.        
    • Hi Guys, i read a fair few threads and saw a lot of similar templates being used. i liked this one below and although i could elaborate on certain things (they ignored my CCA and sent 2 PAPs etc etc) , am i right in that at this stage keep it short? If thats the case i cant see what i need to add/change about this one   1)   the defendant entered into a consumer credit act 1974 regulated agreements vanquis under account reference xxxxxxx 2)   The defendant failed to maintain the required payment, arrears began to accrue 3)   The agreement was later assigned to the claimant on 29 September 2017 and notice given to the defendant 4)   Despite repeated requests for payment, the sum of 2247.91 remains due outstanding And the claimant claims a)The said sum of £2247.91 b)The interest pursuant to S 69 county courts act 1984 at the rate of 8% per annum from the date of issue, accruing at a daily rate of £xxxx, but limited to one year,  being £xxxx c)Costs   Defence:   The Defendant contends that the particulars of claim vague and are generic in nature. The Defendant accordingly sets out its case below and relies on CPR r 16.5 (3) in relation to any particular allegation to which a specific response has not been made.   1. The Claimant has not complied with paragraph 3 of the PAPDC ( Pre Action Protocol) Failed to serve a letter of claim pre claim pursuant to PAPDC changes of the 1st October 2017.It is respectfully requested that the court take this into consideration pursuant to 7.1 PAPDC.   2. The Claimant claims £2247.91 is owed under a regulated consumer credit account under reference xxxxxxx. I do not recall the precise details or agreement and have sought verification from the claimant and the claimants solicitor by way of a CPR 31.14 and section 78 request who are yet to fully comply.   3. Paragraph 2 is denied. I am unable to recall the precise details of the alleged agreement or any default notice served in breach of any defaulted payments. 4. Paragraph 3 is denied.The Defendant contends that no notice of assignment pursuant to s.136 of the Law of Property Act & s.82 A of the CCA1974 has ever been served by the Claimant as alleged or at all.   5. It is therefore denied with regards to the Defendant owing any monies to the Claimant, the Claimant has failed to provide any evidence of assignment/balance/breach requested by CPR 31. 14, therefore the Claimant is put to strict proof to:   (a) show how the Defendant has entered into an agreement; and (b) show and evidence any cause of action and service of a Default Notice or termination notice; and © show how the Defendant has reached the amount claimed for; and (d) show how the Claimant has the legal right, either under statute or equity to issue a claim;   6. After receiving this claim I requested by way of a CPR 31.14 request and a section 78 request for copies of any documents referred to within the Claimants' particulars to establish what the claim is for. To date they have failed to comply to my CPR 31.14 request and also my section 78 request and remain in default with regards to this request.   7. As per Civil Procedure Rule 16.5(4), it is expected that the Claimant prove the allegation that the money is owed.   8. On the alternative, as the Claimant is an assignee of a debt, it is denied that the Claimant has the right to lay a claim due to contraventions of Section 136 of the Law of Property Act and Section 82A of the consumer credit Act 1974.   9. By reasons of the facts and matters set out above, it is denied that the Claimant is entitled to the relief claimed or any relief.  
    • i understand. Just be aware I am prepared to take some risks 😉
    • Thanks Tnook,   Bear with us while we discuss this behind the scenes - we want you to win just as much as you do but we want to find the right balance between maximising your claim without risking too much in court fees, and in possible court costs awarded to the defendant bank.
    • Tell your son and think on this. He can pay the £160  and have no further worries from them. If he read POFA  Scedule 4 he would find out that if he went to Court and lost which is unlikely on two counts at least [1] they don't do Court and 2] they know they would lose in Court] the most he would be liable to pay them is £100 or whatever the amount on the sign says. He is not liable for the admin charges as that only applies to the driver-perhaps.If he kept his nerve, he would find out that he does not owe them a penny and that applies to the driver as well. But we do need to see the signage at the entrance to the car park and around the car park as well as any T&Cs on the payment meter if there is one. He alone has to work out whether it is worth taking a few photographs to help avoid paying a single penny to these crooks as well as receiving letters threatening him with Court , bailiffs  etc trying to scare him into paying money he does not owe. They know they cannot take him to Court. They know he does not owe them a penny. But they are hoping he does not know so he pays them. If he does decide to pay, tell him to wait as eventually as a last throw of the dice they play Mister Nice Guy and offer a reduction. Great. Whatever he pays them it will be far more than he owes as their original PCN is worthless. Read other threads where our members have been ticketed for not having a permit. [We know so little about the situation that we do not know if he has a permit and forgot to display it. ]
  • Our picks

style="text-align:center;"> Please note that this topic has not had any new posts for the last 2561 days.

If you are trying to post a different story then you should start your own new thread. Posting on this thread is likely to mean that you won't get the help and advice that you need.

If you are trying to post information which is relevant to the story in this thread then please flag it up to the site team and they will allow you to post.

Thank you

Recommended Posts

I have my own website and thought it would be nice to be able to suppot this site by placing a banner with a link back to here, I couldn't find a suitable image to use so I knocked a few banners up for you to use. (see the example below)

 

On the banners page there are 4 different banners, and the codes to make them link, with a Target=Blank command (so it opens in a new window) and ALT text. Width and height is included, so just copy the code under the banners and paste it into your HTML editor to add the banner.

 

This site has helped me immensely and I wanted to give something back, so hopefully some of you will do the same. If you do place a banner on your site, please post a link in here so that we can see it in action (and so the site moderators can monitor where it is)

 

PLEASE NOTE: Do not place this banner on adult web sites or sites that could bring the CAG into disrepute (common sense really!)

 

ADMIN: BankFodder has seen and approved this in principle, but please let me know if you want it moved or if u want anything changed. You may want to make this a sticky to help promote it to webmasters...

:-)

 

Best regards,

 

Kris Wilkes

 

 

CAGbanner1.jpg


[FONT=Arial][SIZE=1][COLOR=blue][B][U]HSBC - Claim for £838.50[/U][/B][/COLOR][/SIZE][/FONT] [FONT=Arial][SIZE=1][COLOR=red]OFFER of £754.57 received 9/08/06 - ACCEPTED :-) [/COLOR][/SIZE][/FONT] [FONT=Arial][COLOR=#ff0000][B]£50 Donated to the CAG - Thanks guys![/B][/COLOR][/FONT] [FONT=Arial][SIZE=1][COLOR=blue][B][U]MBNA Credit Card - Claim for £464[/U][/B][/COLOR][/SIZE][/FONT] [FONT=Arial][SIZE=1][COLOR=red][B]06/10/06 - Account credited in FULL £464:D [/B][/COLOR][/SIZE][/FONT] [FONT=Arial][SIZE=1][COLOR=blue][B][U]Capital One Credit Card - Claim for £440[/U][/B][/COLOR][/SIZE][/FONT] [FONT=Arial][SIZE=1]18/09/06 - Offer of £184 as goodwill gesture & increase of interest rates to 35% [/SIZE][/FONT] Currently taking landlord to court for TDS Non Compliance - [URL="http://www.consumeractiongroup.co.uk/forum/residential-commercial-lettings/187545-tds-non-compliance-case.html"]See THIS THREAD[/URL][FONT=Arial][SIZE=1] [/SIZE][/FONT]

Share this post


Link to post
Share on other sites
Guest Zooman

White Banner - Rounded Edges

 

CAGbanner1.jpg

 

White Banner - Square Edges

CAGbanner2.jpg

 

Black Background Banner

 

CAGbanner3.jpg

 

Square Banner

 

CAGbanner4.jpg

Share this post


Link to post
Share on other sites

Are you going to get new banners made up with the new logo on them?


Unfair penalty charges reclaimed from Barclays - £700; BarclayCard - £380 + £132 extra; Style (RBOS) - £245 - County Court Judgement

against RBOS awarded - Judgement transferred to Registers of Scotland - Sheriff Officer (Bailiffs) action taken.

Travel insurance claim with Alpha (URV) pursued through the Financial Ombudsman - £704

Share this post


Link to post
Share on other sites

Looks cool.


If you feel that we have helped you, or you would like to help keep this web site running so that others can continue to get their money back, please click the donate button at the top of the forum.

Advice & opinions of Dave, The Bank Action Group and The Consumer Action Group are offered informally, without prejudice & without liability.

Use your own judgment. Seek advice of a qualified insured professional if you have any doubts.

 

------------

 

 

Add me as your friend on FaceBook - I need all the friends I can get :-(

 

http://www.facebook.com/profile.php?id=577405151

 

------------

Share this post


Link to post
Share on other sites
Are you going to get new banners made up with the new logo on them?

 

I will knock up a few more banners but we'll keep the existing ones there as they are mainly text and not specific logos. Unless admin wants them removed.

 

Who did the new logo? I wouldn't mind having a copy of the original hi-res artwork to make them from.

 

Cheers

Kris


[FONT=Arial][SIZE=1][COLOR=blue][B][U]HSBC - Claim for £838.50[/U][/B][/COLOR][/SIZE][/FONT] [FONT=Arial][SIZE=1][COLOR=red]OFFER of £754.57 received 9/08/06 - ACCEPTED :-) [/COLOR][/SIZE][/FONT] [FONT=Arial][COLOR=#ff0000][B]£50 Donated to the CAG - Thanks guys![/B][/COLOR][/FONT] [FONT=Arial][SIZE=1][COLOR=blue][B][U]MBNA Credit Card - Claim for £464[/U][/B][/COLOR][/SIZE][/FONT] [FONT=Arial][SIZE=1][COLOR=red][B]06/10/06 - Account credited in FULL £464:D [/B][/COLOR][/SIZE][/FONT] [FONT=Arial][SIZE=1][COLOR=blue][B][U]Capital One Credit Card - Claim for £440[/U][/B][/COLOR][/SIZE][/FONT] [FONT=Arial][SIZE=1]18/09/06 - Offer of £184 as goodwill gesture & increase of interest rates to 35% [/SIZE][/FONT] Currently taking landlord to court for TDS Non Compliance - [URL="http://www.consumeractiongroup.co.uk/forum/residential-commercial-lettings/187545-tds-non-compliance-case.html"]See THIS THREAD[/URL][FONT=Arial][SIZE=1] [/SIZE][/FONT]

Share this post


Link to post
Share on other sites

Hi

Is it possible to have a button 88x31 please? I've added you to my links section but the current banner looks a bit squashed due to the resizing of it

 

cheers

Ally


26/07/06 S.A.R Request sent to Halifax for single and joint account

 

charges so far

single account £695

joint account £1473

 

Request for charges back joint account sent 18/09/06

no action taken on single account yet!!

 

LBA on joint Acc Sent 9/10/06

partial acceptance for £376 included with LBA - Refused By Bank!!!

 

2nd Jan 2007 SETTLED IN FULL

Share this post


Link to post
Share on other sites

I'm on it now.

 

OK, try these:

 

CAG88x31.gif

 

CAG88x31blue.gif


[FONT=Arial][SIZE=1][COLOR=blue][B][U]HSBC - Claim for £838.50[/U][/B][/COLOR][/SIZE][/FONT] [FONT=Arial][SIZE=1][COLOR=red]OFFER of £754.57 received 9/08/06 - ACCEPTED :-) [/COLOR][/SIZE][/FONT] [FONT=Arial][COLOR=#ff0000][B]£50 Donated to the CAG - Thanks guys![/B][/COLOR][/FONT] [FONT=Arial][SIZE=1][COLOR=blue][B][U]MBNA Credit Card - Claim for £464[/U][/B][/COLOR][/SIZE][/FONT] [FONT=Arial][SIZE=1][COLOR=red][B]06/10/06 - Account credited in FULL £464:D [/B][/COLOR][/SIZE][/FONT] [FONT=Arial][SIZE=1][COLOR=blue][B][U]Capital One Credit Card - Claim for £440[/U][/B][/COLOR][/SIZE][/FONT] [FONT=Arial][SIZE=1]18/09/06 - Offer of £184 as goodwill gesture & increase of interest rates to 35% [/SIZE][/FONT] Currently taking landlord to court for TDS Non Compliance - [URL="http://www.consumeractiongroup.co.uk/forum/residential-commercial-lettings/187545-tds-non-compliance-case.html"]See THIS THREAD[/URL][FONT=Arial][SIZE=1] [/SIZE][/FONT]

Share this post


Link to post
Share on other sites

those are brilliant thanks loads - I have over 400 members on my main site and I'm sure a few of them will be paying a visit here

 

ally

xx


26/07/06 S.A.R Request sent to Halifax for single and joint account

 

charges so far

single account £695

joint account £1473

 

Request for charges back joint account sent 18/09/06

no action taken on single account yet!!

 

LBA on joint Acc Sent 9/10/06

partial acceptance for £376 included with LBA - Refused By Bank!!!

 

2nd Jan 2007 SETTLED IN FULL

Share this post


Link to post
Share on other sites

Is there an up-to-date 234x60 banner available?

 

My website gets >10,000 unique visitors per month and I'd like to help. For obvious reasons I'm not going to name the site here, as it would destroy my anonimity, but if Admin or Mods need to know more please feel free to PM. :)


  • Barclays: WON!!! It took four months but was totally worth it!
  • Cabot: I'm still waiting for an enforcable agreement, more than a year after requesting it. Go on, Uncle Ken, take me to court if you dare. You know you want to!
  • Elephant.co.uk: VICTORY - they admitted there was no debt!
  • Ashbourne Management (gym membership): Finally got my default removed and out-of-court settlement; I'm not finished with them yet!

<--- If I've been helpful please remember the scales ;)

Share this post


Link to post
Share on other sites

it would be nice to add the banner to our e mails this way the banks and dca know we mean business


http://www.consumeractiongroup.co.uk/forum/welcome-consumer-forums/107001-how-do-i-dummies.html

 

 

 

 

Advice & opinions given by patrickq1 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

Share this post


Link to post
Share on other sites

I would be more than happy to post links to this forum on my website - it draws mainly Americans but does have it's fair share of British visitors. If admin/management want to know more before I place the button then please do not hesitate to contact me. :)


"Never annoy a redhead - especially when she's a member of CAG!"

Share this post


Link to post
Share on other sites

Very happy that you place links to us. We have even had some American media take interest what we are doing, so although we can't help the Cousins directly, maybe our own experience can help.


Share this post


Link to post
Share on other sites

I'm more than happy to place links on all my sites. My main site is the biggest one of it's kind on the net and draws a lot of attention from film companies, American media/magazines/newspapers et al - I'm currently advertising a book for an American author! LOL Any chance of some bigger buttons/banners?


"Never annoy a redhead - especially when she's a member of CAG!"

Share this post


Link to post
Share on other sites

Hi,

 

What's the situation with advertising CAG on web sites these days?

 

Regards,

 

Bosun.


Please note: I have no formal qualifications in this area and any advice offered is given in good faith. :)

Share this post


Link to post
Share on other sites

Hello there, due to the donations from the bank charges drying up we've had to take on google adds to fund the site. Without them we would have had to stop CAg altogether. It's the lesser of two evils although of course it's not ideal.

Share this post


Link to post
Share on other sites

Hi Sequenci,

 

I was thinking more along the lines of advertising CAG on contributors websites. I run a couple and though I don't get mega hits at least CAG would have a a bit of free advertisement.

 

Also tried to PM bankfodder, came across a thread by bankfodder about generating donations but could not find it again. Unfortunately his mailbox was full.

I'd be quite happy to set up a Standing Order for say £5 per month. It's not a lot, but would be easier for me at the moment than giving a lump sum, and there would be no rake-off for the likes of paypal.

 

Regards,

 

Bosun.


Please note: I have no formal qualifications in this area and any advice offered is given in good faith. :)

Share this post


Link to post
Share on other sites

I'm with you now :)

 

I'll raise this with admin for you right away!

Share this post


Link to post
Share on other sites

Any news?


Please note: I have no formal qualifications in this area and any advice offered is given in good faith. :)

Share this post


Link to post
Share on other sites

Not yet! I know they can often be a little busy!

Share this post


Link to post
Share on other sites

Hi Deniss,

 

What site would that be?


Please note: I have no formal qualifications in this area and any advice offered is given in good faith. :)

Share this post


Link to post
Share on other sites

i like this site! i wish i had found it some time ago... i will also place links from my website to this

 

are there any banners people can use? eg, some banners with code people can simply copy and paste the code to their own websites, blogs, profiles, signatures etc etc...

Share this post


Link to post
Share on other sites

Are there no grants or funding that this kind of site can get? Could you partner with CAB? Register as a charity?

 

I've only recently found this site, but I'm ridiculously impressed with the breadth of topic covered and how helpful people are voluntarily. :)

Share this post


Link to post
Share on other sites

  • Recently Browsing   0 Caggers

    No registered users viewing this page.


  • Have we helped you ...?


×
×
  • Create New...