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    • Update. The ASB team have categorically said they want to send a letter to the idiot saying... you are upsetting your neighbor, please come in to talk about this, we need to tell you we have no power to do anything about this though... WTAF?   They also said my only option to stop idiot parking and obstructing our kerb is to park our other car outside idiots property 🤔 because the car is now not obstructing enough to get a ticket and not breaking any law! Even though it's obviously being done to cause annoyance.   Just seems beyond belief!
    • Ok, quick update on this.  Mediation didn't happen - mainly because I missed the deadline for agreeing to the date - I didn't realise the deadline was quite so tight - and I had been away for the weekend and not reading my emails - anyway - although it was bad to not formally respond, it didn't really make too much difference because due to the lack of viable evidence provided by the claimant, mediation would have been pointless.   So I've been waiting to head what court date has been allocated to my case. However, instead I received a "General Directions or Order" letter.    Sorry - I meant to bring it in (to where I'm writing this).....but basically the gist of it was that the claimant had 14 days to respond providing evidence e.g. signed credit agreement etc. - and then I had 14 days after that to respond stating whether I accepted that evidence and whether I wanted to withdraw defence.    The letter was sent around the beginning of the month - therefore their 14 days are more or less up - I haven't heard anything - albeit, I need to factor in postage times - but surely this means my 14 days are not really 14 days....but more a case of the time left before the end of October and when or if I get anything from the court of the claimant with their evidence.   My question really is:    Is it a stupid question - but I cannot really do anything until I receive anything - at the moment, the court won't know what they've sent me (in response to my CCA request) - i.e. the poorly presented application form - meaningless statements - no clear signed credit agreement etc. - so this step is basically the court asking whether there is enough evidence in order to allocate a court date?   I'm assuming I should get a copy of whatever the claimant provides to the court?   Many thanks  
    • hello again, do you think this witness statement better suits my needs witness 2.pdf
    • Hi all   Does this link indicate whether or not Woodside Park station is under the TFL Byelaws or not, as I'm a bit confused?!   https://tfl.gov.uk/corporate/transparency/freedom-of-information/foi-request-detail?referenceId=FOI-2209-1819   Rgds. Andy
    • I am hoping someone can offer me some advice concerning an issue with my former landlord, please. In short, I took possession of a property he was letting out just over ten years ago. Having viewed and been offered the letting, I accepted and paid the deposit plus the first month’s rent and moved in. Meanwhile, the landlord had gone on holiday and it was not until a week or so after I had moved in that I saw him again when he came around to see if we had settled in OK. I told him all was fine and took the opportunity to ask him where the parking space was located as there is only “pay per hour” on street parking outside and a commercial car park approaching half a mile away. He said there was no parking included with the accommodation. Yet the lease which we had each signed clearly stated that the property included the use of a parking space. He told me that this was an error on his part and that there was no parking space included with the property. Having already vacated my previous letting and paid the deposit and the rental advance and moved all my effects into the new letting – in addition to not wanting a major fallout with my new landlord (I also had a wife and three children to consider), I erred on the side of caution and did not press the matter.   However, the kids have all grown and flown and we have been obliged to downsize to a one bedroom apartment (with parking, happily). This was nearly three months ago and I have only yesteray received contact from my former landlord’s lawyer stating I still owe him (the landlord) money. I am waiting to learn the grounds for his claim and have requested a full breakdown of that alleged indebtedness from his lawyer but, having been very good tenants who always paid the rent on time and not only took great care of the old property but also did a lot of unpaid work improving it over the course of our ten year residence, I am quite annoyed to be treated so meanly. Regardless of whether or not it transpires that I do, unwittingly, owe this man money I am wondering whether or not I might have a counter claim against him for the false representation of his lease and perhaps even be compensated for the ten years I spent paying for on street parking as well as putting up with the daily (often hourly) inconvenience of that.   If someone could advise me, I would be very grateful.   Thank you.  
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zaggacom

sainsbury loan - CCA return

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I have requested a copy of a sainsburys bank loan CCA and they have replied with a copy of the agreement, Now it looks like it has most of the prescribed terms but it dosent have a cancellation option on it in the terms and conditions, I am no expert and wondered if someone with experience could shed any light on whether it is enforceable etc,

Any info would be a great help

 

on photobucket

http://s609.photobucket.com/albums/tt171/zaggacom/

sainsloancca1.jpg

sainsburycca2.jpg

Edited by zaggacom

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Guest Old_andrew2018

Hi it is too small to read, could you tray uploading with photobucket

Andy

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I requested a copy of my loan agreement and have had it returned , the loan is with sainsburys loans, and I would like some help establishing if this is in any way unenforceable, I would really appreciate it if someone with experience could help me out, thanks, i have uploaded the agreeemnt to photobucket.Pictures by zaggacom - Photobucket

 

Pictures by zaggacom - Photobucket

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Can anyone clarify if a credit agreement for a loan without a right to cancel details on is unenforceable,

I understand they have to have the prescribed terms, but what about this, seems important to me, and some do and some dont then, what is the point of a 'right to cancel'

 

If it is signed in the home or sold over the phone does it then have to have a right to cancel, and if it does not , then doe sthat render it unenforceable.

 

If anyone knows please reply.

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Can anyone clarify if a credit agreement for a loan without a right to cancel details on is unenforceable,

I understand they have to have the prescribed terms, but what about this, seems important to me, and some do and some dont then, what is the point of a 'right to cancel'

 

If it is signed in the home or sold over the phone does it then have to have a right to cancel, and if it does not , then doe sthat render it unenforceable.

 

If anyone knows please reply.

The Credit Agreement has to include the right to cancel. I beleive that the only exception is if it is signed in the Bank branch.

 

Can you post it on here.

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sainsburycca2.jpg picture by zaggacom - Photobucket

http://s609.photobucket.com/albums/tt171/zaggacom/?action=view&current=sainsloancca1.jpg

 

i have posted it on here,

 

If an agremeent does not have a right to cancel, is it therefore unenforceable, because i have always read, that as long as it has the prescribed terms (of which 'right to cancel' is not one of them ) then it is enforceable, is this correct

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Off trade premises.

 

I would be suprised if there wasn't a clearly laid out right to cancel the contract.

 

If you buy goods in your home and the value is greater than £35 then you have the right to cancel your contract in the seven days following the day the contract was made. The cancellation notice must be diplayed with no less prominence than other terms and has to contain certain bits of information such as where to send the cancellation notice and how.

 

Some retailers post the cancellation contract seperately a few days later.

 

I don't know how this applies to credit agreements or if it is the same at all. If they haven't provided cancellation terms then I believe they will be in deep doo-doo.

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Failure to comply with the cancellation regulations would make an agreement unenforceable, however these regs are complicated and vary from circumstance to circumstance. Can you clarify what sort of agreement it is, when and where it was taken out etc.

 

cds:)

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