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    • Hi, If they haven't followed the court's directions there will be little tolerance of the court. Anyway please can you upload a copy of the court paperwork
    • Yes, you should have applied for an immediate strike out as soon as the deadline expired. Without the agreement, they are stuffed Forget Barclaycard, Asset link is now the creditor, and it is down to them to provide the agreement.  That needs to go into the witness statement. They have not provided the agreement contrary to directions of the court and request the court strike out the claim as to the original court directions.
    • I did not receive a notice via post but in my claim status it shows my claim was transferred to a court I requested in my DQ, as it is closer to me.    Defense I filed:  1.       The Defendant contends that the particulars of claim are vague and 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. 2.       The defendant paid the lead tenant a fixed sum monthly bill without fail for the extent of the rental period of the accommodation their contract was associated with who was responsible to make payments to the claimant, ending in June 2023. 3.       After moving out, a month later, the claimant wrote to state that an outstanding sum existed. Further stating, as one of the 10 tenants at the time, I now owed them the full sum instead of my 1/10 proportion of said debt, as 10 students were at the dwelling. They also intimated that they were legally allowed to charge me the full sum if the other renters were not to pay their share under some equal and joint severity rule. 4.       Despite sending numerous requests prior to the court claim being raised for copies of said bills for said utilities covered by the agreement, the claimant failed to send any clear bills. This included a CPR 31.14 on xx/xx/xxxx sent via post. 5.       The defendants stress that they acted in good faith to settle the outstanding balance, as evidenced by the confirmation received from the claimant.  Any subsequent demands for additional payments are unwarranted and contradict the claimant's previous acknowledgment of settlement. 6.       Pursuant to OFGEM code of back billing rules the alleged charges relate to charges which have not been billed correctly by Co-operative Energy and are therefore prevented from charging. With the court’s permission the Claimant is put to strict proof to: - a) show and disclose how the Defendant has entered into an agreement. b) show and disclose how the Claimant has reached the amount claimed. c) show how the Claimant has the legal right, either under statute or equity to issue a claim. 7.As per Civil Procedure Rule 16.5 (4) it is expected that the Claimant prove the allegation                  that the money is owed. 8.It is therefore denied that the defendant is indebted to the claimant as alleged or at all.
    • Paint is a free programme on any Windows PC. But don't worry, the choice here is not either perfection or nothing. As you say, use your scanner, save the file ... and then use the "choose files" option when you post to CAG to add the file. We can do all the redacting and converting to the correct file type at this end.  The important thing is just to get the info to us. Why not do an experiment this afternoon and see if the above works?  
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    • 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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      This is good ethical practice.

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      OT APPROVED, 365MC637, FAROOQ, EVRi, 12.07.23 (BRENT) - J v4.pdf
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Hi

 

My husband and I took out mortgage life insurance back in 2003. At the time we were told that we must take out the life insurance to get the mortage. We pay £60 per month for this. Our bank is the First Trust and it was their Financial adviser that told us this. We are both self employed and our business account is with the same back.

The insurance is with the Norwich Union. Have we been mis sold this policy?

 

Any advice wouls be helpful

 

Laura:?

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Hello and Welcome, Laura.

 

Sorry I can't help you with your question, but I'll move this thread to the appropriate Forum, hopefully you'll get some good advice in there.

 

Regards.

 

Scott.

Any advice I give is honest and in good faith.:)

If in doubt, you should seek the opinion of a Qualified Professional.

If you can, please donate to this site.

Help keep it up and active, helping people like you.

If you no longer require help, please do what you can to help others

RIP: Rooster-UK - MARTIN3030 - cerberusalert

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was your adviser independent or not ? Im an adviser myself , it is advisable to get cover for life critical illness income protection etc but it all depends have you got the best have you got the cheapest etc For most loans etc they can suggest you take they cant insist but at the end of the day it depends what you can prove and whether their paperwork is up to scratch etc most people would be stupid to take on a commitment without a fallback situation which these types of policy are but it all depends if he was independent linked to norwich in some way ie through panel or tied agent etc regards gaz

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  • 1 month later...
Hi

 

My husband and I took out mortgage life insurance back in 2003. At the time we were told that we must take out the life insurance to get the mortage. We pay £60 per month for this. Our bank is the First Trust and it was their Financial adviser that told us this. We are both self employed and our business account is with the same back.

The insurance is with the Norwich Union. Have we been mis sold this policy?

 

Any advice wouls be helpful

 

Laura:?

 

Like Gaz2954 says, they can't insist you have any life cover, but is advisable to have it to cover the outstanding mortgage once you die. Life cover is a good benefit to have!! if you can afford it. If you don't need it/want it, then stop paying the premiums and the policy will lapse.

 

As for mis-selling, you could argue that they did by insisting you have it to get the mortgage but personally I would keep the policy going (if you can afford the £60 per month) or perhaps shop around for a cheaper policy!

 

Bobbyh

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you are perfectly within your rights to shop around, find another Life insurance policy and then cancel the other one, you can get it for far cheaper than £60 per month.

Lula

 

Lula v Abbey - Settled

Lula v Abbey (2) - Settled

Lula v Abbey (3) - Stayed

 

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If its £60 pm may be it includes Critical illness cover too and or Income Protection as well so really you need a like for like comparison also it may have been loaded for medical reasons only you will know that but I agree you can shop around but whats the cheapest may not be the same or the best .Pm me if you want some quotes and Ill ask a few questions and get you some figures but dont cancel and then get a new policy like my colleague says get a new one ready to start before doing anything with the other . Regards Gaz

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