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    • So we see the two large and swift Sea level rises  with the earlier one bang on the nose datewise   We see the layout of the world around the straights and Azores circa 10,000 bce   So what else are we looking for   A 'nesos' larger than Libya and Asia   Large fertile plain with a small 'mountain' "Bordering on the sea and extending through the center of the whole island there was a plain, which is said to have been the fairest of all plains and highly fertile; and, moreover, near the plain, over against its center, at a distance of about 50 stades, there stood a mountain that was low on all sides " " all those sweet-scented stuffs which the earth produces now, whether made of roots or herbs or trees, or of liquid gums derived from flowers or fruits. The cultivated fruit [i.e., of the vine] also, and the dry [i.e., corn], which serves us for nutriment, and all the other kinds that we use for our meals--the various species of which are comprehended under the name ‘vegetables’--and all the produce of trees"   Elephants/mammoths - Lots of animals (migration path) " n abundance all the timbers that a forest provides for the labors of carpenters; and of animals it produced a sufficiency, both of tame and wild. Moreover, it contained a very large stock of elephants; for there was an ample food-supply not only for all the other animals which haunt the marshes and lakes and rivers, or the mountains or the plains, but likewise also for this animal, which of its nature is the largest and most voracious. "         Atlas' siblings realm was Facing  Cadiz 'toward' the straights " when he had divided all the island of Atlantis into ten portions, he assigned to the first-born of the eldest sons his mother's dwelling and the allotment surrounding it, which was the largest and best; and him he appointed to be king over the rest, and the others to be rulers, granting to each the rule over many men and a large tract of country. And to all of them he gave names, giving to him that was eldest and king the name after which the whole island was called and the sea spoken of as the Atlantic, because the first king who then reigned had the name of Atlas. And the name of his younger twin-brother, who had for his portion the extremity of the island near the pillars of Herakles up to the part of the country now called Gadeira after the name of that region "     Copper and gold mines the island itself furnished most of the requirements of daily life,--metals, to begin with, both the hard kind and the fusible kind, which are extracted by mining, and also that kind which is now known only by name but was more than a name then, there being mines of it in many places of the island,--I mean orikhalkon (mountain-copper)     autokhthones -       * So its not likely to be a purely coastal area such as the sunken lands off Cadiz are likely to have been   * Its away from the straights past the Gaderius realm   * It has a large plain which seems to be on a migratory path including elephants/mammoths (viable until ... circa 11,000bce)   * It has extensive woods/forests   * It has mines for copper and gold at least          
    • This is a very common situation I'm afraid and the reason why a visit would need to be made (before a payment proposal could be accepted) is outlined under Item 7.3 of the Explanatory Memorandum supporting the Taking Control of Goods Fees Regulations 2014 which states as follows:     http://www.legislation.gov.uk/uksi/2014/1/pdfs/uksiem_20140001_en.pdf      
    • and what reason should i give for choosing my local county court in question D1?
    • OK - will do - have to go out this morning and will try FCA this afternoon.  Just to clarify -   I will say to FCA - Abbey Life have advised me to refer to them.  I would like assistance on how to find Thermatic Review 16/7. ( I will explain I have asked Abbey what they have input to arrive at their calculations.)   Thank you.
    • I have been trying to find out who owns the Land. Without paying the Fee to the Land registry I can't ascertain but will do if this is essential. This is the free information they have provided. Address: Park and Ride Site Coventry Business Park Canley Road   Tenure: Leasehold   Everything else I can find relates to West Midlands Combined Authority who offer 'Considerate Parking'.      
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roscodog18

Morgan Stanley/Lewis Group

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I have an outstanding cc debt to Morgan Stanley, it was sold to The Lewis Group and I have been paying £50 per month to it by standing order for the last 6 months or so (s/o now cancelled!)........

 

I sent a CCA request with a £1 postal order on 06/03/09 and have had no response.......including no request for the missed payment.

 

How should I proceed?

Any advice would be gratefully recieved.

 

Roscodog


"What counts is not necessarily the size of the dog in the fight; it's the size of the fight in the dog."

Dwight D. Eisenhower

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Wait until they get in touch with you and if there is still no sign of the copy of your agreement by that time you can them put the account in dispute. There is no need to chase them - they have your request and know what they need to do. Did you send the CCA request by Recorded Delivery and have proof it was delivered?

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Still no response from the Lewis Group............I have cancelled my standing order and 3 payments have now been missed.........clearly the CCA does not exist any more or cannot be located........what should I do now?

If Morgan Stanley do not have a CCA can I go after them?

 

Any advice would be appreciated.

 

Roscodog


"What counts is not necessarily the size of the dog in the fight; it's the size of the fight in the dog."

Dwight D. Eisenhower

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Just wait until they reply. There is nothing you can do in the meantime.


:cool::cool: Blondmusic :cool::cool:

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What do you mean 'go after them' do mean a claim for excess charges etc.?

 

Personally I would follow the advice already given. I am a 'let sleeping dogs lie' kind of person, all for 'the quiet life'.


Every journey begins with a single step :):)

 

Please note: I have no qualifications in this area - my advice is learned from the wonderful members of this Forum. Thanks to you all for your help.

 

If you have found my post helpful please leave a short message by clicking the star to the left of my profile - Thank You

 

The only person entitled to your Personal Finance details is a Judge not a DCA

 

Move all banking activity to another banking group if you have a dispute - your funds can be used to offset debts within the same group.

Be careful with Banking details (card/account numbers) as these can be used to take unauthorised payments.

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Sorry......I have already claimed back the penalty charges.......actually got a judgement against them because they 'forgot' to submit a defense and their systems did not pick this up.

 

If there is no CCA then surley all payments made to Lewis Group/ Morgan Stanley and the interest charged can be claimed back?

 

Is is worth sending a CCA request direct to Morgan Stanley?

 

Roscodog


"What counts is not necessarily the size of the dog in the fight; it's the size of the fight in the dog."

Dwight D. Eisenhower

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If there is no CCA then surley all payments made to Lewis Group/ Morgan Stanley and the interest charged can be claimed back?

 

It's a two-way street I'm afraid, just as a creditor cannot enforce payment in the absence of an enforceable agreement, as quoted below; any monies paid by a creditor is deemed as a gift, likewise a courts view would be the same for a debtor paying the creditor. The thing that must be remembered is that the debt does exist it's just unenforceable.

 

 

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 wouldn't bother sending another CCA request, the onus is on the Lewis Group to comply with your original request.


Anthrax alert at debt collectors caused by box of doughnuts

 

Make sure you do not post anything which identifies you. Although we can remove certain things from the site unless it's done in a timely manner everything you post will appear in Google cache & we do not have any control over that.

 

Vir prudens non contra ventum mingit

 

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17 Port & Maritime Regiment RCT

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If there is no CCA then surley all payments made to Lewis Group/ Morgan Stanley and the interest charged can be claimed back?

 

No - you cannot claim back any payments you have already made as this would be classed as unjust enrichment.

 

Is is worth sending a CCA request direct to Morgan Stanley?

 

Roscodog

 

I really would let sleeping dogs lie with this one. The Lewis Group are in default of your request, and they are obviously aware of this as they have not made any further contact with you. I would wait until you hear from them before taking any further steps.


:)I am not an expert, but I can give good advice about Brighthouse:)

 

Am learning more and more about DCA's too :)

 

I have no legal experience and all advice given is based on the knowledge I've gained from this site.

 

<------If you think I have been helpful, please feel free to tip my scales - remember to put your CAG name though!

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You beat me to it cerberusalert :D


:)I am not an expert, but I can give good advice about Brighthouse:)

 

Am learning more and more about DCA's too :)

 

I have no legal experience and all advice given is based on the knowledge I've gained from this site.

 

<------If you think I have been helpful, please feel free to tip my scales - remember to put your CAG name though!

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Thanks for your advice........very much appreciated.

 

If I hear anything back I will let you all know.......

 

Roscodog


"What counts is not necessarily the size of the dog in the fight; it's the size of the fight in the dog."

Dwight D. Eisenhower

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Morgan Stanley/Goldfish taken over by Barclaycard. "They cannae find a thing captain" in the venacular of Star Trek.

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Lewis have just sent me a letter asking for full payment..no mention of the CCA which they have not complied with........should I reply inform them that they are in default and that the account should be regarded as in despute?

 

Any advice would be gratefully recieved.

 

Roscodog18


"What counts is not necessarily the size of the dog in the fight; it's the size of the fight in the dog."

Dwight D. Eisenhower

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Send them this;

 

Account In Dispute

 

Ref:

 

 

 

Dear Sir/Madam

 

 

 

Thank you for your letter of xx/xx/xx, the contents of which have been noted.

 

You have failed to respond to my legal request to supply me a true copy of the original Consumer Credit Agreement for the above account.

On **DATE** I made a formal request for a true signed agreement for the alleged account under consumer credit Act 1974 s77/8. A copy of which is enclosed for your perusal and ease of reference.

 

You have failed to comply with my request, and as such the account entered default on **DATE**.(12+2 days after you sent the CCA request)

The document that you are obliged to send me is a true copy of the executed agreement that contained all of the prescribed terms, all other required terms and statutory notices and was signed by both your company and myself as defined in section 61(1) of CCA 74 and subsequent Statutory Instruments. If the executed agreement contained any reference to any other document, you are also obliged to send me a copy of that document.In addition a full statement of this account should have been sent to me detailing all debits and credits to the account.

 

Furthermore;

 

You are aware that the Consumer Credit Act allows 12 working days for a request for a true copy of a credit agreement to be carried out before your client enters into a default situation. This limit has expired

 

As you are no doubt aware section 77(6) states:

 

If the creditor fails to comply with Subsection (1)(a) He is not entitled , while the default continues, to enforce the agreement.Therefore this account has become unenforceable at law.

 

As you have Failed to comply with a lawful request for a true, signed copy of the said agreement and other relevant documents mentioned in it, Failed to send a full statement of the account and Failed to provide any of the documentation requested, any legal action you pursue will be averred as both UNLAWFUL and VEXATIOUS. Furthermore I shall counterclaim that any such action constitutes unlawful harassment.

 

Please note you may also consider this letter as a statutory notice under section 10 of the Data Protection Act to cease processing any data in relation to this account with immediate effect. This means you must remove all information regarding this account from your own internal records and from my records with any credit reference agencies.

 

Should you refuse to comply, you must within 21 days provide me with a detailed breakdown of your reasoning behind continuing to process my data. It is not sufficient to simply state that you have a ‘legal right’; You must outline your reasoning in this matter and state upon which legislation this reasoning depends. Should you not respond within 21 days I expect that this means you agree to remove all such data.

 

Furthermore you should be aware that a creditor is not permitted to take ANY action against an account whilst it remains in dispute.

The lack of a credit agreement is a very clear dispute and as such the following applies.

 

* You may not demand any payment on the account, nor am I obliged to offer any payment to you.

* You may not add further interest or any charges to the account.

* You may not pass the account to a third party.

* You may not register any information in respect of the account with any credit reference agency.

* You may not issue a default notice related to the account.

 

I reserve the right to report your actions to any such regulatory authorities as I see fit. You have 21 days from receiving this letter to contact me with your intentions to resolve this matter which is now a formal complaint. I therefore request a copy of your official complaints procedure which you are obliged to supply.

I would appreciate your due diligence in this matter.

I look forward to hearing from you in writing.

 

 

Yours faithfully,

Print name do not sign


Anthrax alert at debt collectors caused by box of doughnuts

 

Make sure you do not post anything which identifies you. Although we can remove certain things from the site unless it's done in a timely manner everything you post will appear in Google cache & we do not have any control over that.

 

Vir prudens non contra ventum mingit

 

[sIGPIC][/sIGPIC]

17 Port & Maritime Regiment RCT

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Greatly appreciated..I'll post this today..

 

Roscodog


"What counts is not necessarily the size of the dog in the fight; it's the size of the fight in the dog."

Dwight D. Eisenhower

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Nearly 8 weeks and I still have had no reply to that letter..........

 

Roscodog


"What counts is not necessarily the size of the dog in the fight; it's the size of the fight in the dog."

Dwight D. Eisenhower

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I wouldn't worry about it - let them worry about it if they cannot find an agreement.

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I have been waiting for over a year for Lewis Group to provide me with a response to my CCA request. I am just sat waiting until they admit they dont have one.


It's all fun and games until someone loses an eye :D

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Hi all, i have just received letter from the Lewis Group, just doing a quick check up on these idiots , through posts on the forum.

Have just printed out CCA letter and will be posting this morning.

Of all the Threads that i have added for DCAs , i have not received one CCA back, strange that.

Oh well got plenty of Account in Dispute letters to post !!!!!!!!!!!!!!!

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I wasn't paying for PPI.........

 

Should I let this be or request that in the absence of CCA the alleged debt be written off?

 

Roscodog


"What counts is not necessarily the size of the dog in the fight; it's the size of the fight in the dog."

Dwight D. Eisenhower

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