Jump to content


  • Tweets

  • Posts

    • I left Dubai 8 years ago and intended to return. However a job prospect fell through. I’d been there for 15 years. Anyway I decided to pay my credit card and the bank had frozen my account. There is no means to pay the CC so completely unable to pay when I wanted to other than the bank advising me to ask a friend in the UAE to pay it on my behalf!  fast forward bank informs there is a police case against me for non payment. Years later IDR chased me and after months/ years they stopped. Now Judge & Priestley are trying their luck. Now I have received an email in English and Arabic from JP saying the bank has authorised them to collect debts. Is this the same as IDR although I didn’t receive anything like this from them. Just says they are authorised?
    • The neighbour's house is built right on the boundary so the side of their house is effectively the 'wall' in our garden separating the two properties. It's a three storey house and so the mortar poses a potential danger to us. Because of the danger, we have put up an interior fence in our garden to ensure we don't risk mortar dropping on us. That reduces the garden by 25% which is not only an inconvenience, but it's the part of the garden where we had lined up contractors to install a patio and gazebo which we will use for our wedding reception in less than 2 months. We have spoken to the neighbour's caretaker who is on the case, has spoken with a roofer and possibly a scaffolding company, but there are several issues. They don't seem to understand the urgency. As long as there is a risk of falling mortar, we can't carry out any work in the garden, and unless they hurry up, we're looking at cancelling our wedding as it's not viable to book a venue because we can't use our own garden! Also, they want to put the scaffolding up in our garden which would be ok with us if it was a matter of a few days and they hurried up, but there is a tree (most likely protected by the conservation area), so most likely they can only reach part of the roof with the scaffolding if they put it up in our garden. We suggested a roofer with a cherry picker but they seem to want to use a company they've used before. Any and all comments, suggestions, advice is more than welcome.  PS. does it make any difference that the neighbour is a business (ltd) and not a private dwelling?
    • No apology needed, thank you for what you do I am glad to hear they paid. well done on getting back what is yours
    • Apologies all for the late reply and info, i have been away with the Army. They have paid I accepted the offer on the 5th of May, and they paid on the 17th of May.
  • Recommended Topics

  • Our picks

    • If you are buying a used car – you need to read this survival guide.
      • 1 reply
    • Hello,

      On 15/1/24 booked appointment with Big Motoring World (BMW) to view a mini on 17/1/24 at 8pm at their Enfield dealership.  

      Car was dirty and test drive was two circuits of roundabout on entry to the showroom.  Was p/x my car and rushed by sales exec and a manager into buying the mini and a 3yr warranty that night, sale all wrapped up by 10pm.  They strongly advised me taking warranty out on car that age (2017) and confirmed it was honoured at over 500 UK registered garages.

      The next day, 18/1/24 noticed amber engine warning light on dashboard , immediately phoned BMW aftercare team to ask for it to be investigated asap at nearest garage to me. After 15 mins on hold was told only their 5 service centres across the UK can deal with car issues with earliest date for inspection in March ! Said I’m not happy with that given what sales team advised or driving car. Told an amber warning light only advisory so to drive with caution and call back when light goes red.

      I’m not happy to do this, drive the car or with the after care experience (a sign of further stresses to come) so want a refund and to return the car asap.

      Please can you advise what I need to do today to get this done. 
       

      Many thanks 
      • 81 replies
    • Housing Association property flooding. https://www.consumeractiongroup.co.uk/topic/438641-housing-association-property-flooding/&do=findComment&comment=5124299
      • 161 replies
    • 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.

      Please note that a recent case against UPS failed on exactly the same issue with the judge held that the Contracts (Rights of Third Parties) Act 1999 did not apply.

      We will be getting that transcript very soon. We will look at it and we will understand how the judge made such catastrophic mistakes. It was a very poor judgement.
      We will be recommending that people do include this adverse judgement in their bundle so that when they go to county court the judge will see both sides and see the arguments against this adverse judgement.
      Also, we will be to demonstrate to the judge that we are fair-minded and that we don't mind bringing everything to the attention of the judge even if it is against our own interests.
      This is good ethical practice.

      It would be very nice if the parcel delivery companies – including EVRi – practised this kind of thing as well.

       

      OT APPROVED, 365MC637, FAROOQ, EVRi, 12.07.23 (BRENT) - J v4.pdf
        • Like
  • Recommended Topics

why you shouldnt use section 77/78 CCA 1974 if you want the signed agreement


pt2537
style="text-align: center;">  

Thread Locked

because no one has posted on it for the last 4903 days.

If you need to add something to this thread then

 

Please click the "Report " link

 

at the bottom of one of the posts.

 

If you want to post a new story then

Please

Start your own new thread

That way you will attract more attention to your story and get more visitors and more help 

 

Thanks

Recommended Posts

  • Replies 2.6k
  • Created
  • Last Reply

Top Posters In This Topic

Top Posters In This Topic

Sorry guys.. cant say too much, currently thinking about my response.

 

S.

 

Response to the court, I hope

 

Not the drivel above

Link to post
Share on other sites

Hi Guys!

 

sorry I'm not getting any responses on the other forum?

 

Anyhow, I sent the following Part 36.16 Request to Robinson Way/their pimp solicitor; Horwich Farrelly (in the broom cupboard) and all they sent me back was an old CapOne application form circa 2001, which was sent 18 months ago (unenforceable) nothing else?

 

http://www.consumeractiongroup.co.uk/forum/show-post/post-2278621.html

 

Suggestions please, on how I make them disclose.

 

Thanks

 

AC

Link to post
Share on other sites

Oh, it is back in limbo then?

 

The docs are needed in order to issue a claim; Horwich Farrelly solicitors have been told that!

 

ARGHHH, they really don't want to disclose the docs...

 

Trying to pin them down.

 

AC

Link to post
Share on other sites

Right, ok then today I received notice from Lovells who are now acting on behalf of Barclaycard, they want to adjourn the hearing next week and want to increase the time to 2 hours!!!

 

I've already booked off the time and cant get my holiday back so I shall emailing them tomorrow asking for compensation of holiday time in return for agreement... after all their clients have only had 40 odd days to get this sorted prior to today :-(

 

Was spitting feathers this morning.

 

S.

Link to post
Share on other sites

hello

 

 

i'm new to all this but did see a post that said the only stupid question is one that isnt asked so here goes

 

there are agreements and executed agreements

 

the only difference i can see is that an executed one is one signed by us and them.

 

the act says that when i ask they must send me a true copy of the executed agreement, vis a vi the one signed by us and them, if they dont they break the law.

 

has this not been tested anywhere..........

Link to post
Share on other sites

hello

 

 

i'm new to all this but did see a post that said the only stupid question is one that isnt asked so here goes

 

there are agreements and executed agreements

 

the only difference i can see is that an executed one is one signed by us and them.

 

the act says that when i ask they must send me a true copy of the executed agreement, vis a vi the one signed by us and them, if they dont they break the law.

 

has this not been tested anywhere..........

 

The creditors signature can be simply a rubber stamp job, anywhere on the agreement document.

 

Also it is well established a 'true' copy does not have to show your signature.

 

I certainly wouldn't like be the one to test that in court because as sure as eggs are Eggs (pun intended .. sorry!!) the creditor would arrive in court with a freshly stamped up agreement !!

 

Also if they don't produce an agreement they are in default but it is no longer an offence (that bit was repealed in 2006).

Link to post
Share on other sites

The creditors signature can be simply a rubber stamp job, anywhere on the agreement document.

 

Also it is well established a 'true' copy does not have to show your signature.

 

I certainly wouldn't like be the one to test that in court because as sure as eggs are Eggs (pun intended .. sorry!!) the creditor would arrive in court with a freshly stamped up agreement !!

 

Also if they don't produce an agreement they are in default but it is no longer an offence (that bit was repealed in 2006).

 

the regulations say that a "True" copy of the agreement is not a photocopy of the original agreement but can be a reconstruction of it

 

the regulations also state that the signatures signature boxes and personal information may be omitted

 

hence the unsatisfactory nature of the beast

Link to post
Share on other sites

Am I going to have to separate you two?

 

Any more dreadful puns like that and you're both going for a time out:D

 

An official censure!!!!!!!!

 

Woo hoo

 

My first one :lol:

Link to post
Share on other sites

Right, ok then today I received notice from Lovells who are now acting on behalf of Barclaycard, they want to adjourn the hearing next week and want to increase the time to 2 hours!!!

 

I've already booked off the time and cant get my holiday back so I shall emailing them tomorrow asking for compensation of holiday time in return for agreement... after all their clients have only had 40 odd days to get this sorted prior to today :-(

 

Was spitting feathers this morning.

 

S.

 

Why do they want to adjourn the hearing? WTF are the hoping to prove? Don't you think the judge will look upon this unfavourably and deny them the adjournment?

Link to post
Share on other sites

Why do they want to adjourn the hearing? WTF are the hoping to prove? Don't you think the judge will look upon this unfavourably and deny them the adjournment?

 

They say they have obtained counsel that the hearing needs to be longer.

 

Who knows, I've been reasonable.. I've told them if they compensate me for my lost holiday day I'll agree to the re-arrangement, however I've asked for more information re: the expansion of the hearing time.

 

guessing they'll try and contest the usage of CPR 31.16 in a small claims value case.

 

S.

Link to post
Share on other sites

They say they have obtained counsel that the hearing needs to be longer.

 

Who knows, I've been reasonable.. I've told them if they compensate me for my lost holiday day I'll agree to the re-arrangement, however I've asked for more information re: the expansion of the hearing time.

 

guessing they'll try and contest the usage of CPR 31.16 in a small claims value case.

 

S.

 

The problem tho' is that if you don't agree they'll turn up at court explain that the hearing is likely to last two hours and the DJ will adjourn anyway...

If I've helped feel free to add to my reputation.

 

I am not a Practising Lawyer. My comments are my opinion only. You should not rely upon those comments and should always take your own professional advice from a practising Solicitor or Barrister

Link to post
Share on other sites

Submitted my N244 to my local court.

 

Received my notice of hearing from my local county court.

 

Date is in mid November for my application for disclosure!!

 

Jesus thats 4 months away !!

 

Is it really this slow or is it just my local court ?

 

Anything I can do ?

 

Cheers

 

Fingers

The Story So Far...

 

Barclaycard - Fingers Vs Barclaycard

Egg - Egg Credit Card CCA Agreement - help

Halifax - Halifax Credit card CCA

IF - CCA received

Lloyds - Lloyds CCA

MBNA-CCA received, challening

Virgin - Virgin Card CCA May 2006 - Help Required

 

OH Barccard - 2 s78 letters, on 2nd cpr

Link to post
Share on other sites

:DSympathies fingers, but that's quite encouraging for the rest of us, may the queues get longer and longer......

Submitted my N244 to my local court.

 

Received my notice of hearing from my local county court.

 

Date is in mid November for my application for disclosure!!

 

Jesus thats 4 months away !!

 

Is it really this slow or is it just my local court ?

 

Anything I can do ?

 

Cheers

 

Fingers

Link to post
Share on other sites

style="text-align: center;">  

Thread Locked

because no one has posted on it for the last 4903 days.

If you need to add something to this thread then

 

Please click the "Report " link

 

at the bottom of one of the posts.

 

If you want to post a new story then

Please

Start your own new thread

That way you will attract more attention to your story and get more visitors and more help 

 

Thanks

Guest
This topic is now closed to further replies.
  • Recently Browsing   0 Caggers

    • No registered users viewing this page.

  • Have we helped you ...?


×
×
  • Create New...