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    • further polished WS using above suggestions and also included couple of more modifications highlighted in orange are those ok to include?   Background   1.1  The Defendant received the Parking Charge Notice (PCN) on the 06th of January 2020 following the vehicle being parked at Arla Old Dairy, South Ruislip on the 05th of December 2019.   Unfair PCN   2.1  On 19th December 2023 the Defendant sent the Claimant's solicitors a CPR request.  As shown in Exhibit 1 (pages 7-13) sent by the solicitors the signage displayed in their evidence clearly shows a £60.00 parking charge notice (which will be reduced to £30 if paid within 14 days of issue).  2.2  Yet the PCN sent by the Claimant is for a £100.00 parking charge notice (reduced to £60 if paid within 30 days of issue).   2.3        The Claimant relies on signage to create a contract.  It is unlawful for the Claimant to write that the charge is £60 on their signs and then send demands for £100.    2.4        The unlawful £100 charge is also the basis for the Claimant's Particulars of Claim.  No Locus Standi  3.1  I do not believe a contract with the landowner, that is provided following the defendant’s CPR request, gives MET Parking Services a right to bring claims in their own name. Definition of “Relevant contract” from the Protection of Freedoms Act 2012, Schedule 4,  2 [1] means a contract Including a contract arising only when the vehicle was parked on the relevant land between the driver and a person who is-   (a) the owner or occupier of the land; or   (b) Authorised, under or by virtue of arrangements made by the owner or occupier of the land, to enter into a contract with the driver requiring the payment of parking charges in respect of the parking of the vehicle on the land. According to https://www.legislation.gov.uk/ukpga/2006/46/section/44   For a contract to be valid, it requires a director from each company to sign and then two independent witnesses must confirm those signatures.   3.2  The Defendant requested to see such a contract in the CPR request.  The fact that no contract has been produced with the witness signatures present means the contract has not been validly executed. Therefore, there can be no contract established between MET Parking Services and the motorist. Even if “Parking in Electric Bay” could form a contract (which it cannot), it is immaterial. There is no valid contract.  Illegal Conduct – No Contract Formed   4.1 At the time of writing, the Claimant has failed to provide the following, in response to the CPR request from myself.   4.2        The legal contract between the Claimant and the landowner (which in this case is Standard Life Investments UK) to provide evidence that there is an agreement in place with landowner with the necessary authority to issue parking charge notices and to pursue payment by means of litigation.   4.3 Proof of planning permission granted for signage etc under the Town and country Planning Act 1990. Lack of planning permission is a criminal offence under this Act and no contract can be formed where criminality is involved.   4.4        I also do not believe the claimant possesses these documents.   No Keeper Liability   5.1        The defendant was not the driver at the time and date mentioned in the PCN and the claimant has not established keeper liability under schedule 4 of the PoFA 2012. In this matter, the defendant puts it to the claimant to produce strict proof as to who was driving at the time.   5.2 The claimant in their Notice To Keeper also failed to comply with PoFA 2012 Schedule 4 section 9[2][f] while mentioning “the right to recover from the keeper so much of that parking charge as remains unpaid” where they did not include statement “(if all the applicable conditions under this Schedule are met)”.     5.3         The claimant did not mention parking period, times on the photographs are separate from the PCN and in any case are that arrival and departure times not the parking period since their times include driving to and from the parking space as a minimum and can include extra time to allow pedestrians and other vehicles to pass in front.    Protection of Freedoms Act 2012   The notice must -   (a) specify the vehicle, the relevant land on which it was parked and the period of parking to which the notice relates;  22. In the persuasive judgement K4GF167G - Premier Park Ltd v Mr Mathur - Horsham County Court – 5 January 2024 it was on this very point that the judge dismissed this claim.  5.4  A the PCN does not comply with the Act the Defendant as keeper is not liable.  No Breach of Contract   6.1       No breach of contract occurred because the PCN and contract provided as part of the defendant’s CPR request shows different post code, PCN shows HA4 0EY while contract shows HA4 0FY. According to PCN defendant parked on HA4 0EY which does not appear to be subject to the postcode covered by the contract.  6.2         The entrance sign does not mention anything about there being other terms inside the car park so does not offer a contract which makes it only an offer to treat,  Interest  7.1  It is unreasonable for the Claimant to delay litigation for  Double Recovery   7.2  The claim is littered with made-up charges.  7.3  As noted above, the Claimant's signs state a £60 charge yet their PCN is for £100.  7.4  As well as the £100 parking charge, the Claimant seeks recovery of an additional £70.  This is simply a poor attempt to circumvent the legal costs cap at small claims.  7.5 Since 2019, many County Courts have considered claims in excess of £100 to be an abuse of process leading to them being struck out ab initio. An example, in the Caernarfon Court in VCS v Davies, case No. FTQZ4W28 on 4th September 2019, District Judge Jones-Evans stated “Upon it being recorded that District Judge Jones- Evans has over a very significant period of time warned advocates (...) in many cases of this nature before this court that their claim for £60 is unenforceable in law and is an abuse of process and is nothing more than a poor attempt to go behind the decision of the Supreme Court v Beavis which inter alia decided that a figure of £160 as a global sum claimed in this case would be a penalty and not a genuine pre-estimate of loss and therefore unenforceable in law and if the practice continued, he would treat all cases as a claim for £160 and therefore a penalty and unenforceable in law it is hereby declared (…) the claim is struck out and declared to be wholly without merit and an abuse of process.”  7.6 In Claim Nos. F0DP806M and F0DP201T, District Judge Taylor echoed earlier General Judgment or Orders of District Judge Grand, stating ''It is ordered that the claim is struck out as an abuse of process. The claim contains a substantial charge additional to the parking charge which it is alleged the Defendant contracted to pay. This additional charge is not recoverabl15e under the Protection of Freedoms Act 2012, Schedule 4 nor with reference to the judgment in Parking Eye v Beavis. It is an abuse of process from the Claimant to issue a knowingly inflated claim for an additional sum which it is not entitled to recover. This order has been made by the court of its own initiative without a hearing pursuant to CPR Rule 3.3(4)) of the Civil Procedure Rules 1998...''  7.7 In the persuasive case of G4QZ465V - Excel Parking Services Ltd v Wilkinson – Bradford County Court -2 July 2020 (Exhibit 4) the judge had decided that Excel had won. However, due to Excel adding on the £60 the Judge dismissed the case.  7.8        The addition of costs not previously specified on signage are also in breach of the Consumer Rights Act 2015, Schedule 2, specifically paras 6, 10 and 14.   7.9        It is the Defendant’s position that the Claimant in this case has knowingly submitted inflated costs and thus the entire claim should be similarly struck out in accordance with Civil Procedure Rule 3.3(4).   In Conclusion   8.1        I invite the court to dismiss the claim.  Statement of Truth  I believe that the facts stated in this witness statement are true. I understand that proceedings for contempt of court may be brought against anyone who makes, or causes to be made, a false statement in a document verified by a statement of truth without an honest belief in its truth.   
    • Well the difference is that in all our other cases It was Kev who was trying to entrap the motorist so sticking two fingers up to him and daring him to try court was from a position of strength. In your case, sorry, you made a mistake so you're not in the position of strength.  I've looked on Google Maps and the signs are few & far between as per Kev's MO, but there is an entrance sign saying "Pay & Display" (and you've admitted in writing that you knew you had to pay) and the signs by the payment machines do say "Sea View Car Park" (and you've admitted in writing you paid the wrong car park ... and maybe outed yourself as the driver). Something I missed in my previous post is that the LoC is only for one ticket, not two. Sorry, but it's impossible to definitively advise what to so. Personally I'd probably gamble on Kev being a serial bottler of court and reply with a snotty letter ridiculing the signage (given you mentioned the signage in your appeal) - but it is a gamble.  
    • No! What has happened is that your pix were up-to-date: 5 hours' maximum stay and £100 PCN. The lazy solicitors have sent ancient pictures: 4 hours' maximum stay and £60 PCN. Don't let on!  Let them be hoisted by their own lazy petard in the court hearing (if they don't bottle before).
    • Thanks for all the suggestions so far I will amend original WS and send again for review.  While looking at my post at very beginning when I submitted photos of signs around the car park I noticed that it says 5 hours maximum stay while the signage sent by solicitor shows 4 hours maximum stay but mine is related to electric bay abuse not sure if this can be of any use in WS.
    • Not sure what to make of that or what it means for me, I was just about to head to my kip and it's a bit too late for legalise. When is the "expenditure occured"?  When they start spending money to write to me?  Or is this a bad thing (as "harsh" would imply)? When all is said and done, I do not have two beans to rub together, we rent our home and EVERYTHING of value has been purchased by and is in my wife's name and we are not financially linked in any way.  So at least if I can't escape my fate I can at least know that they will get sweet FA from me anyway   edit:  ah.. Sophia Harrison: Time bar decision tough on claimants WWW.SCOTTISHLEGAL.COM Time bar is a very complex area of law in Scotland relating to the period in which a claim for breach of duty can be pursued. The Scottish government...   This explains it like I am 5.  So, a good thing then because creditors clearly know they have suffered a loss the minute I stop paying them, this is why it is "harsh" (for them, not me)? Am I understanding this correctly?  
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help needed on CCA request


andytwonames
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Sent the 1st request to HFC by recordrd delivery. Delivered on 9th Jan.

 

The reply arrived yesterday (28 jan 2009). They sent copies of the last 6 statements and nothing else.

 

They state in the reply that thay have been unable to provide a copy of the original agreement but then say

"in accordance with Regulation 3 of Consumer Credit(Cancellation Notices and Copies of Documents) Regulations 1983 we provide a copy of the executed agreement that does not include information which it is permitted to exclude such as the signatures and the signature box"

 

They go on to say that the fact I have been making payments (until recently) in line with the terms & conditions makes it reasonable to conclude that I acknowledge this debt. Therefore HFC holds me liable.

 

I will submit a scan of the letter here too.

 

Where do I go from here?

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As I thought but I would like some guidance since I am not sure of my ground.

 

ALL they sent was statements - not even a copy of the T&C's as they would have been.

 

My first temptation is to send a two word reply, a well known phrase connected with the reproductive act and travel. The 2nd word is "off"

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Be good if you can add what sort of account this is, when it's started etc

 

Reply that their response to your request is not satisfactory and you require the full original agreement to include the Prescribed Terms and Signatures as per the CCA1974:

 

s61 CCA - Signing of agreement:

(1) A regulated agreement is not properly executed unless—

(a) a document in the prescribed form itself containing all the prescribed terms and conforming to regulations under section 60(1) is signed in the prescribed manner both by the debtor or hirer and by or on behalf of the creditor or owner, and

(b) the document embodies all the terms of the agreement, other than implied terms, and

© the document is, when presented or sent to the debtor or hirer for signature, in such a state that all its terms are readily legible.

s127(3) CCA:

(3) The court shall not make an enforcement order under section 65(1) if section 61(1)(a) (signing of agreements) was not complied with unless a document (whether or not in the prescribed form and complying with regulations under section 60(1)) itself containing all the prescribed terms of the agreement was signed by the debtor or hirer (whether or not in the prescribed manner).

:!: -Any advise I give is based purely on my own experience. It should not be solely relied upon as I am NOT a legal expert and any major decisions you make should not be based on my opinion alone -

HFC Bank - Davey vs HFC

Barclays - Monthly payments made

Cahoot - Agreement received, awaiting 2nd agreement after DCA.

MBNA1&2 - Agreements received. (Currently in limbo)

Halifax - Davey vs Halifax/Cabot

MINT - Davey vs Mint

Amex - Davey vs Amex

Cap1 **WON** £1,500 Written Off Davey vs Cap1

 

Never Sign Anything

 

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ive received the same answer ( hfc unable to provide to provide photocopy of original agreement...regulation 3 of cca, etc, etc) plus statement of account for a marbles loan dating back to dec04.from what ive read on here it seems unlikely they will go to court with you on this basis, but i stress its only from what i can gather but gd luck anyway. i have already been taken to court and had a ccj granted agst me and a charging order on my house. can anyone tell me if i can challenge the court action on this basis or is it too late and if so how do i go about it? hope im not hijacking your thread. im finding it difficult to find the answers anywhere.

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Hi Davey.

 

Account started in 1996. It was called a Command account. It had a cheque book and a credit limit.

 

The debt remains with HFC but it is administered by Restons. No payments made to Restons so far.

 

I sent the CCA request to HFC immediately after Restons wrote to me.

 

Who do I deal with now I wonder?

 

Andy.

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If the owners of the account are still HFC and it hasn't been sold outright then deal with HFC. (The organ grinders, not their monkey.)

 

Unless Restons is giving you grief then you can CCA them to put the account in dispute after the 14 days has expired. (They won't listen but officially it puts you in a stronger position with them.)

 

Can you post the signature document here (minus personal details) that HFC mention.

:!: -Any advise I give is based purely on my own experience. It should not be solely relied upon as I am NOT a legal expert and any major decisions you make should not be based on my opinion alone -

HFC Bank - Davey vs HFC

Barclays - Monthly payments made

Cahoot - Agreement received, awaiting 2nd agreement after DCA.

MBNA1&2 - Agreements received. (Currently in limbo)

Halifax - Davey vs Halifax/Cabot

MINT - Davey vs Mint

Amex - Davey vs Amex

Cap1 **WON** £1,500 Written Off Davey vs Cap1

 

Never Sign Anything

 

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Sorry, just re-read your first post "They sent copies of the last 6 statements and nothing else".

 

And then they say they can omit signatures under the 1983 regs (which is correct) but state they provide a copy of the executed agreement? Where is that then HFC?

 

They haven't even bothered to send a 'true copy'. Their reply is a joke.

:!: -Any advise I give is based purely on my own experience. It should not be solely relied upon as I am NOT a legal expert and any major decisions you make should not be based on my opinion alone -

HFC Bank - Davey vs HFC

Barclays - Monthly payments made

Cahoot - Agreement received, awaiting 2nd agreement after DCA.

MBNA1&2 - Agreements received. (Currently in limbo)

Halifax - Davey vs Halifax/Cabot

MINT - Davey vs Mint

Amex - Davey vs Amex

Cap1 **WON** £1,500 Written Off Davey vs Cap1

 

Never Sign Anything

 

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That's the thing. They sent 6 copy statements(which I didn't request), a covering letter and nothing else. There is a pdf of the letter at post 2

 

Yes gotcha! Just caught up with myself there. ;)

:!: -Any advise I give is based purely on my own experience. It should not be solely relied upon as I am NOT a legal expert and any major decisions you make should not be based on my opinion alone -

HFC Bank - Davey vs HFC

Barclays - Monthly payments made

Cahoot - Agreement received, awaiting 2nd agreement after DCA.

MBNA1&2 - Agreements received. (Currently in limbo)

Halifax - Davey vs Halifax/Cabot

MINT - Davey vs Mint

Amex - Davey vs Amex

Cap1 **WON** £1,500 Written Off Davey vs Cap1

 

Never Sign Anything

 

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Very interesting they use "Without Prejudice". They obviously don't want this letter stating clearly "HFC Bank has been unable to provide a photocopy of your original agreement" to be produced as evidence in Court.

 

I would therefore attempt to get other letters from them, that do not contain without prejudice (they will slip up if you write enough letters) stating they can't give you the original agreement.

:!: -Any advise I give is based purely on my own experience. It should not be solely relied upon as I am NOT a legal expert and any major decisions you make should not be based on my opinion alone -

HFC Bank - Davey vs HFC

Barclays - Monthly payments made

Cahoot - Agreement received, awaiting 2nd agreement after DCA.

MBNA1&2 - Agreements received. (Currently in limbo)

Halifax - Davey vs Halifax/Cabot

MINT - Davey vs Mint

Amex - Davey vs Amex

Cap1 **WON** £1,500 Written Off Davey vs Cap1

 

Never Sign Anything

 

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So now I guess I put the account into dispute with the 2nd letter.

 

I did have a conversation with the woman at Restons the day before the HC reply arrived. She is insisting that all future payments on the account go to them. I told her that HFC had failed the 12+2 days and asked "This puts the account into disput, right?" and she said yes (wish I'd recorded the conversation).

 

I then said "so, you are not allowed to ask for payment until the request is complied with" and she agreed.

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What a daft woman eh. Just pre-programmed to go through the motions and any deviation and she is lost.

 

OK, normally, i would say yes, account in dispute, you have not supplied this and that, s60 CCA says signatures etc etc. But.. i think you should play this cool.. for now.

Their 'without Prejudice' heading is annoying. Although Court probably won't happen and it's a long was off if it did, that heading gives them freedom to write anything they want and although it is in writing it cannot be produced as evidence of anything should push come to shove.

 

Therefore, i would suggest the 'i am an inexperienced consumer who doesn't understand what you are saying' reply.

The point is to create a good paper trail, get them to admit more and more in each letter and/or change their opinions and contradict themselves. Get them to make mistake and to slip up along the way.

 

Therefore, initially, something simplistic and a letter that draws them out may prove useful:

 

Further to your letter dated (***) which enclosed 6 statements only in relation to the above account and my request for information dated (**).

 

I am somewhat confused by your correspondence and would ask that you explain what you mean by section 78 of the Consumer Credit Act. I understood that to mean that HFC should supply a true copy of a credit agreement yet you have only sent me statements in relation to the above account.

 

I am also confused by your statement that you are unable to supply me with a photocopy of the original agreement, when i understand you are required to supply me with such documentation.

 

If you could clarify these points i would be grateful.

 

Yours sincerely,

:!: -Any advise I give is based purely on my own experience. It should not be solely relied upon as I am NOT a legal expert and any major decisions you make should not be based on my opinion alone -

HFC Bank - Davey vs HFC

Barclays - Monthly payments made

Cahoot - Agreement received, awaiting 2nd agreement after DCA.

MBNA1&2 - Agreements received. (Currently in limbo)

Halifax - Davey vs Halifax/Cabot

MINT - Davey vs Mint

Amex - Davey vs Amex

Cap1 **WON** £1,500 Written Off Davey vs Cap1

 

Never Sign Anything

 

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What a daft woman eh. Just pre-programmed to go through the motions and any deviation and she is lost.

 

OK, normally, i would say yes, account in dispute, you have not supplied this and that, s60 CCA says signatures etc etc. But.. i think you should play this cool.. for now.

Their 'without Prejudice' heading is annoying. Although Court probably won't happen and it's a long was off if it did, that heading gives them freedom to write anything they want and although it is in writing it cannot be produced as evidence of anything should push come to shove.

 

Therefore, i would suggest the 'i am an inexperienced consumer who doesn't understand what you are saying' reply.

The point is to create a good paper trail, get them to admit more and more in each letter and/or change their opinions and contradict themselves. Get them to make mistake and to slip up along the way.

 

Therefore, initially, something simplistic and a letter that draws them out may prove useful:

 

Further to your letter dated (***) which enclosed 6 statements only in relation to the above account and my request for information dated (**).

 

I am somewhat confused by your correspondence and would ask that you explain what you mean by section 78 of the Consumer Credit Act. I understood that to mean that HFC should supply a true copy of a credit agreement yet you have only sent me statements in relation to the above account.

 

I am also confused by your statement that you are unable to supply me with a photocopy of the original agreement, when i understand you are required to supply me with such documentation.

 

If you could clarify these points i would be grateful.

 

Yours sincerely,

 

I think I'm going to enjoy this. I can act the fool for a while.

 

Just reading your thread about sticking it to cap 1....

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Try this letter

 

Dear Sir/Madam

 

Re:− Account/Reference

 

ACCOUNT IN DISPUTE

I have received the documents you sent and in the accompanying letter you state “Unable to provide a photo copy of the original agreement”. However you have confirmed this to be response to a formal request made under Section 78 (1) of the Consumer Credit Act 1974, that legally requires you to provide a reconstructed copy of the agreement less the signature box, copies of T &Cs from the agreement date plus the current T&Cs along with copies of statements. You have not fulfilled my request and this statement is now binding on you as per section 172 of the Act.

 

I must inform you that the information received does not meet the requirements of a properly executed credit agreement under the 1974 Act.

 

The documents received amount to no more than a statement of the account and do not contain any of the prescribed terms as set out in the Consumer Credit (Agreements) Regulations 1983 (SI 1983/1553) Schedule 6 Column 2.

 

Since this document does not contain the required prescribed terms it is rendered unenforceable by s127 (3) consumer Credit Act 1974

 

 

The absence of a properly executed credit agreement prevents you from:

  • Adding interest to the account
  • Taking any enforcement action on the account
  • Issuing any default notices or registering any default marker with a credit reference agency.

 

 

This situation is backed by case law from the Lords of Appeal in Ordinary (House of Lords) the highest court in the land. Your attention is drawn to the authority of the House of Lords in Wilson-v- FCT [2003] All ER (D) 187 (Jul) which confirms that where a document does not contain the required terms under the Consumer Credit Act 1974 the agreement cannot be enforced.

 

Wilson v First County Trust Ltd [2001] EWCA Civ 633, Sir Andrew Morritt, Vice Chancellor said:

  • The creditor must…be taken to have made a voluntary disposition, or gift, of the loan monies to the debtor. The creditor had chosen to part with the monies in circumstances in which it was never entitled to have them repaid

In the case of Dimond v Lovell [2000] UKHL 27, Lord Hoffmann said:

  • Parliament intended that if a consumer credit agreement was improperly executed, then subject to the enforcement powers of the court, the debtor should not have to pay.

I would also point out that if you continue to pursue me for this debt while it is dispute you will be in breach of the OFT guidelines.

 

What I Require

  • I require all correspondence in writing from here on; any persistent attempts to contact me by phone will be reported to trading standards
  • I require you to produce a compliant copy of my credit agreement to confirm I am liable to you or any organisation, which you represent for this alleged debt, if you cannot do so I require written clarification that this is the case.

Should you ignore this request I will report you to the Office of Fair Trading to consider your suitability to hold a credit licence in addition to a complaint to Trading Standards, as you will be in breach of the Administration of Justice Act 1970 section 40

 

Since the agreement is unenforceable and any default notice is non compliant, it would be in everyone’s interest to consider the matter closed and for you to write the debt off.

I suggest you give serious consideration to this as any attempt of litigation will be vigorously defended and I will counter claim for all quantifiable damages

 

 

Yours Faithfully

Your name

Name

Edited by B3rty
Letter needs tweaking....

Live Life-Debt Free

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That's what i mean tho B3rty. A good letter to use a little later perhaps.

 

You don't want to tip their hand straight off with a letter that shows you mean business and you know what you are talking about. I'm of a mind that, as the first letter from the Creditor cannot be produced in Court, the reply should look simplistic and convey the writer has a lack of knowledge.

 

Otherwise the Creditor will be on the offensive and is less likely to admit no original is available again.

 

Once that reply is in Andytwonames hands, then start the formal and Law soaked letters.

:!: -Any advise I give is based purely on my own experience. It should not be solely relied upon as I am NOT a legal expert and any major decisions you make should not be based on my opinion alone -

HFC Bank - Davey vs HFC

Barclays - Monthly payments made

Cahoot - Agreement received, awaiting 2nd agreement after DCA.

MBNA1&2 - Agreements received. (Currently in limbo)

Halifax - Davey vs Halifax/Cabot

MINT - Davey vs Mint

Amex - Davey vs Amex

Cap1 **WON** £1,500 Written Off Davey vs Cap1

 

Never Sign Anything

 

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I am also confused by your statement that you are unable to supply me with a photocopy of the original agreement, when i understand you are required to supply me with such documentation

 

They are not obliged to send a copy of the signed original under a s.78 you need Subject Access Request to get this...or get lucky with a s.78...

 

Not sure why you want to pussyfoot as their response is binding and puts the account in dispute straight away

Live Life-Debt Free

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Yes we know they are not obliged under s78. The goal is to get them to contradict themselves. ;)

 

Their letter is headed 'without prejudice' and therefore not admissible as evidence of anything in a Court of Law.

 

Without Prejudice

:!: -Any advise I give is based purely on my own experience. It should not be solely relied upon as I am NOT a legal expert and any major decisions you make should not be based on my opinion alone -

HFC Bank - Davey vs HFC

Barclays - Monthly payments made

Cahoot - Agreement received, awaiting 2nd agreement after DCA.

MBNA1&2 - Agreements received. (Currently in limbo)

Halifax - Davey vs Halifax/Cabot

MINT - Davey vs Mint

Amex - Davey vs Amex

Cap1 **WON** £1,500 Written Off Davey vs Cap1

 

Never Sign Anything

 

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Now, here's a curiosity.....

 

A bunch of other facts which may or may not be relevant.

 

1. Names...

The account is in joint names. Me and Mrs twonames.

Sometime around October, they started to write only to me. Statements and letters. I ignored that.

 

When a letter came from Restons to me, my first written response was that I did not recognise this account from the info given since I did not have any accounts with HFC in my sole name. I referred Restons back to their client.

 

In a subsequent telephone conversation with Restons, the woman said she had been given a different address for Mrs 2names. This was our previous home and we had moved out of that in 2006. They had been writing to us both at the new address for over a year so why change?

 

2. Default notices....

late November I got a letter (my name only) saying "This is a DEFAULT SUM NOTICE given in compliance with the CCA 1974" Default was for £15 - an admin fee. By this point I had made no payments for a month or two. This looks more like a letter than a default notice. - I ignored it.

 

5 days later I got what looks like a real default notice for £390 odd. Action required was payment of the account balance in full by 8th December. I ignored it.

 

Then, I got another default notice on 11th december all other details the same. That is to say, I had to take the required action stated on the default 3 days before they issued the default notice.

 

Discuss....

I'm off to visit Postman Pat

Edited by andytwonames
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The simply answer to most of those is: Creditors/DCAs are really dumb!

 

Trying to send info to an old address could be a ploy to show any future Court that they tried to resolve the matter but you didn't answer. Either that or.. they are really dumb.

 

You might want to post the default notices up for people to view. Often they can be designed to look like official DNs but can easily just be threatograms in disguise.

:!: -Any advise I give is based purely on my own experience. It should not be solely relied upon as I am NOT a legal expert and any major decisions you make should not be based on my opinion alone -

HFC Bank - Davey vs HFC

Barclays - Monthly payments made

Cahoot - Agreement received, awaiting 2nd agreement after DCA.

MBNA1&2 - Agreements received. (Currently in limbo)

Halifax - Davey vs Halifax/Cabot

MINT - Davey vs Mint

Amex - Davey vs Amex

Cap1 **WON** £1,500 Written Off Davey vs Cap1

 

Never Sign Anything

 

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Share on other sites

The simply answer to most of those is: Creditors/DCAs are really dumb!

 

That figures.

 

Trying to send info to an old address could be a ploy to show any future Court that they tried to resolve the matter but you didn't answer. Either that or.. they are really dumb.

 

Dumb and Dumber I guess. The other possibility here is that they are trying to cause us embarrassment. It's either malice or incompetence.

 

You might want to post the default notices up for people to view. Often they can be designed to look like official DNs but can easily just be threatograms in disguise.

 

Yes will do that. I reckon the first is not real. The last one really amuses me. Writing to me today telling me I have until last week to do something!

 

ok, off to fight with the scanner again.

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