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    • Thank you!    It was bought on my debit card    
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    • Absolutely for the agreement they are referring to.... puts them on notice that this is going to be a uphill fight.   Andy 
    • Particular's of claim for reference only 1. the claim is for the sum of £6163.61due by the defendant under an agreement regulated by the consumer credit act 1974 for hsbc uk bank plc. Account (16 digits) 2. The defendant failed to maintain contractual payments required by the agreement and a default notice was served under s 87(1)  of the consumer credit act 1974 which as not been compiled with. 3. The debt was legally assigned to the Claimant on 23/08/23, notice on which as been given to the defendant.  4. The claim includes statutory interest under S.69 of the county courts act 1984 at a rate of 8% per annum from the date of assignment to the date of issue of these proceedings in the sum of £117.53 the Claimant claims the sum of £6281.14. Suggested defence 1. The Defendant contends the particulars of the claim are generic in nature. The Defendant accordingly sets out its case below and relies on CPR r 16.3 (3) in relation to any particular allegation to which a specific response has not been made. 2. 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 of October 2017. It is respectfully requested that the court take this into consideration pursuant 7.1 PAPDC. 3. Paragraph 1 is noted. I have in the past had financial dealings but do not recognise this specific account number or recollect any outstanding debt and have therefore requested clarification. 4. Paragraph 2 is denied. I have not been served with a default notice pursuant to the consumer credit act 1974. 5. Paragraph 3 is denied. i am unaware of any legal assignment or notice of assignment. A copy of assignment was sent by Overdales solicitors when acknowledgement of receipt of CPR request was received, but this was not the original.   6. Paragraph 4 is denied. Neither the original creditor or the assignee have served notice pursuant to sec86c of the Credit Consumer Act 1974 Notice of Sums in Arrears and therefore prevented from charging interest on debt regulated by the CCA1974. 7. The defendant submitted a request for a copy of the alleged agreement pursuant to s78 CCA 1974. The claimant has acknowledged receipt of request but has failed to comply. The claimant has failed to provide any evidence of balance or Default Notice requested by CPR 31.14 8. It is therefore denied with regards to defendant owing any monies to the claimant. therefore the claimant is put to strict proof to:  a.  Show how the defendant has entered into an agreement with HSBC. b.  Show and evidence the nature of breach and service of a Default notice pursuant to section 87 (1) CCA 1974. c.  Show and quantify how the defendant has reached the amount claimed for. d.  Show how the claimant has the legal right, either under statute or equity  to issue a claim. 8.  As per civil procedure rule 16.5 (4) it is expected claimant prove the allegation that the money is owed. 9.  Until such time the claimant can comply to a section 78 request he is not entitled, while the default continues, to enforce the agreement 10. 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.     .
    • OK, well rereading the court orders from March, in the cold light of day rather than when knackered late at night, it is quite clear that on 25 June there will only be a preliminary hearing about Laura representing her son.  Nothing more. It's lazy DCBL who haven't read things properly and have stupidly sent their Witness Statement early. Laura & I had already been working on a WS, and here it is.  It needs tweaking now after reading the rubbish that DCBL sent and after all of LFI's comments.  But the "meat" is there. Defendant's WS - version 1.pdf
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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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      OT APPROVED, 365MC637, FAROOQ, EVRi, 12.07.23 (BRENT) - J v4.pdf
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Good question, Natalie, In fact Fred 's dyslexia etc hadn't, at that point been diagnosed, so although he knew that he had problems he didn't have a diagnosis. It's certainly possible that the college could have noticed though.

He had a full assessment and diagnosis in 2007.

Sorry, just thought to bring a bit of caution here. "The college" is not one person, and whilst it is possible that some of Fred's teachers may have been aware of him having some kind of difficulties, I think it is pushing the conspiracy theory too far to suppose that the admin side would have been aware or taken advantage of a yet undiagnosed condition. That's the kind of supposition which could damage your credibility in court, tbh. ;-)

 

As for the caution "not existing" if he couldn't understand it, I'd be careful with that too. Dyslexia doesn't mean an impairment of intelligence, far from it, and it could be reasonably argued that someone who managed to attend college and successfully (presumably?) follow the course etc would be quite capable of understanding the wording of a caution. Again, I'd be very careful in using that tack.

 

[2 very early p]

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The more I think of it, and seeing this thread is now 39 pages long, it may be salutary to remind all of this very simple fact: He who accuses must prove. By all means, block all escape routes for them, but the basis of the defence still should be: "Prove your case".

 

 

 

THEN go for the throat. :-D

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more for the wallet than the throat.

 

carpie sacculus

 

as long as the defence is successful of course.

 

just a point if successfully defended is fred allowed to claim costs?

Please note:

 

  • I am employed in the IT sector of a high street retail chain but am not posting in any official capacity,so therefore any comments,suggestions or opinions are expressly personal ones and should not be viewed as an endorsement or with agreement of any company.
  • i am not legal trained in any form.
  • I have many experiences in life and do often use these in my posts

if ive been helpful kick my scales, if ive been unhelpful kick the scales of the person more helpful :eek:

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just a point if successfully defended is fred allowed to claim costs?

 

Oh, yes. And how!! :D

Any knowledge I possess or advice I proffer is based solely on my experiences in the University of Life. Please make your own assessment of legality, risks & costs before taking any action.

 

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Sorry, just thought to bring a bit of caution here. "The college" is not one person, and whilst it is possible that some of Fred's teachers may have been aware of him having some kind of difficulties, I think it is pushing the conspiracy theory too far to suppose that the admin side would have been aware or taken advantage of a yet undiagnosed condition. That's the kind of supposition which could damage your credibility in court, tbh. ;-)

 

As for the caution "not existing" if he couldn't understand it, I'd be careful with that too. Dyslexia doesn't mean an impairment of intelligence, far from it, and it could be reasonably argued that someone who managed to attend college and successfully (presumably?) follow the course etc would be quite capable of understanding the wording of a caution. Again, I'd be very careful in using that tack.

 

[2 very early p]

 

I agree BW. There are already sufficient grounds for having the caution expunged without muddying the waters trying to introduce anything new especially anything as difficult to prove as this.

The application has been made on a straightforward point of law (breach of process) which is eminently provable, the evidence to prove the breach of process has been forwarded to the police who dealt with the original arrest and upon checking with the solicitors who attended at his arrest Fred was startled to learn that not only does the solicitor corroborate Freds assertion but quite shockingly really, made Fred aware that there had been further breaches of process along exactly the same lines.

Judging by the way the police are dealing with the matter it's a bit of a hot potato for them as ultimately the caution can only be expunged by an officer of chief inspector rank or above and such are the 'breaches of process' that I don't imagine for one minute any of the officers involved particularly want to be the officer who approaches said CI on the matter.:p

You have the right to food money.

If you don't mind a little investigation, humiliation, and if you cross your fingers rehabilitation..............

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The more I think of it, and seeing this thread is now 39 pages long, it may be salutary to remind all of this very simple fact: He who accuses must prove. By all means, block all escape routes for them, but the basis of the defence still should be: "Prove your case".

 

 

 

THEN go for the throat. :-D

 

As it stands there is no proof of (any) damage caused. They will of course be put to strict proof, just hope the Judge understands this is by no means an unreasonable request.;)

You have the right to food money.

If you don't mind a little investigation, humiliation, and if you cross your fingers rehabilitation..............

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I've sent you an email, TLD. Another opinion received.:)

 

Right had a look at this latest engineers review. Anyone care to hazard a guess if this barrier engineer also agrees that the motor casing could have been sheared in the incident? Or do we put it in the pile marked 'Impossible':D

You have the right to food money.

If you don't mind a little investigation, humiliation, and if you cross your fingers rehabilitation..............

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I wasnt suggesting Fred's learning difficulties to be used to gain advantage, rather I am still gobsmacked that a college would treat its students in this way, and it would have been made somewhat worse if they had known he had learning difficulties (I wasnt aware that it was dyslexia when I posted) and had exploited that fact knowing he was perhaps more vulnerable.

If you find my post helpful please click on the scales at the top. Thank you

FAQ SECTION HERE

 

Halifax Bank Claim filed and settled

Halifax Credit Card settled

Argos Store Card settled

 

CCA requests sent to

Halifax Credit Card

LLoyds TSB Credit Card

Capital One

Moorcroft (Argos)

NDR

18/06/09

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Sorry, just thought to bring a bit of caution here. "The college" is not one person, and whilst it is possible that some of Fred's teachers may have been aware of him having some kind of difficulties, I think it is pushing the conspiracy theory too far to suppose that the admin side would have been aware or taken advantage of a yet undiagnosed condition. That's the kind of supposition which could damage your credibility in court, tbh. :wink:

 

As for the caution "not existing" if he couldn't understand it, I'd be careful with that too. Dyslexia doesn't mean an impairment of intelligence, far from it, and it could be reasonably argued that someone who managed to attend college and successfully (presumably?) follow the course etc would be quite capable of understanding the wording of a caution. Again, I'd be very careful in using that tack.

Thanks Bookworm,

Don't worry I wasn't implying that Fred's several specific learning difficulties would be raised in challenging his caution because we wouldn't need them. There's so much other evidence as TLD said.

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I wasnt suggesting Fred's learning difficulties to be used to gain advantage, rather I am still gobsmacked that a college would treat its students in this way, and it would have been made somewhat worse if they had known he had learning difficulties (I wasnt aware that it was dyslexia when I posted) and had exploited that fact knowing he was perhaps more vulnerable.

No worries,I understood where you were coming from, Natalie. In fact dyslexia is just one of his problems, but neither he nor I wish to make use of them in arguing against his caution, but I agree completely with what you say.:)

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No worries,I understood where you were coming from, Natalie. In fact dyslexia is just one of his problems, but neither he nor I wish to make use of them in arguing against his caution, but I agree completely with what you say.:)
Whilst I can appreciate not wishing to use the argument, I would be hesitant hesitant in holding back when dealing with the police. It's an unfortunate stat of affairs, but common sense and fairness have next to no place in the relationship between the police and the rest of us.
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Fred is very busy now working on preparing his court bundle. I'm going to help as much as poss but I don't have experience of this, so practical suggestions welcomed please about organising and presenting the paperwork.

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remember 3 copies of everything, your copy, judges copy, their copy

Please note:

 

  • I am employed in the IT sector of a high street retail chain but am not posting in any official capacity,so therefore any comments,suggestions or opinions are expressly personal ones and should not be viewed as an endorsement or with agreement of any company.
  • i am not legal trained in any form.
  • I have many experiences in life and do often use these in my posts

if ive been helpful kick my scales, if ive been unhelpful kick the scales of the person more helpful :eek:

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...remember 3 copies of everything, your copy, judges copy, their copy

 

And if the Judge's copy is delivered to the Court beforehand, then take another 4th copy with you on the day, just in case the Judge cannot seem to find the one he/she has already been given. ;)

 

Don't want Fred to find himself sitting in front of an empty desk.

 

Cheers,

BRW

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And if the Judge's copy is delivered to the Court beforehand, then take another 4th copy with you on the day, just in case the Judge cannot seem to find the one he/she has already been given. ;)

 

Don't want Fred to find himself sitting in front of an empty desk.

 

Cheers,

BRW

 

Crikey what a good idea!!

 

Imagine how disadvantaged the defendant would be if he had to say pass his copy of the Court bundle to the Judge in such circumstances?

You have the right to food money.

If you don't mind a little investigation, humiliation, and if you cross your fingers rehabilitation..............

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Crikey what a good idea!!

 

Imagine how disadvantaged the defendant would be if he had to say pass his copy of the Court bundle to the Judge in such circumstances?

Oh don't please!:eek:

That's like a bad dream. :eek:

I can just imagine Fred having nightmares of something like that happening.

Thank goodness our documents are safe with the police and courts so that sort of thing can't happen.:grin:

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And if the Judge's copy is delivered to the Court beforehand, then take another 4th copy with you on the day, just in case the Judge cannot seem to find the one he/she has already been given. ;)

 

Don't want Fred to find himself sitting in front of an empty desk.

 

Cheers,

BRW

 

Excellent idea In fact I would go a step further I would also take a further copy just in case the opposition have 'lost' theirs;)

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Small update for the interested followers of this thread.

 

In just over a week the criminal aspect of this case has been escalated from being dealt with by a Police Sergeant to being dealt with by a Police Chief Superintendent.

You have the right to food money.

If you don't mind a little investigation, humiliation, and if you cross your fingers rehabilitation..............

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Small update for the interested followers of this thread.

 

In just over a week the criminal aspect of this case has been escalated from being dealt with by a Police Sergeant to being dealt with by a Police Chief Superintendent.

 

Brilliant news!

If you find my post helpful please click on the scales at the top. Thank you

FAQ SECTION HERE

 

Halifax Bank Claim filed and settled

Halifax Credit Card settled

Argos Store Card settled

 

CCA requests sent to

Halifax Credit Card

LLoyds TSB Credit Card

Capital One

Moorcroft (Argos)

NDR

18/06/09

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