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    • Hi, I'd change justice centre to county court. I also wouldn't be including a telegraph article in the bundle. It doens't prove anything law and you don't have distribution rights on it. I also wouldn't personally break down the exhibits on the index page, normally people have a seperate page for this right before the exhibits. The main index page normally just says Exhibits to WX of [Your Name] or at least that's the format I use/see people here use, although really it makes minimal difference.   I also see that despite referencing several judgements you haven't included the EVRi one   paragraph 46 really needs to go imo it has nothing to do with anything. Your in court to apply the law to your case, not to tell the judge about a newspaper that means nothing to your claim.   I also see you've adopted the issues in dispute/not in dispute, which is also known as a scott schedule. if you are taking this approach, for things not in dispute I would say this needs to be things that are agreed between parties, not things like "There is no dispute that I am happy to supply all this evidence which is included in the court bundle." I would say that issues in dispute is to focus on the aspects of the claim that are in dispute, such as whether liability is limited by insurance or not, so I'd be changing that accordingly.   BF should be along shortly to advise on things.
    • J, I just numbered them like that; once the witness statement is made, I'll add it to the pages.   The court date has been set as 02 July 2024. Please find attached V6. I will send an unredacted to the email.  claim budle_V6.pdf
    • I'm afraid that I have tried downloading it three times and each time I am getting an error message. Would you mind scanning it again please and uploading it again. I understand that JK has managed to open it but others may not. Thanks
    • I can see that.   In this case, I'd email both that receipt and your tracking label to evri's small claims email and say that is the information you have.   They'll figure it out from there I'm sure
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Great Universal credit agreement


crk81
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hi guys,

 

 

Had a default on my credit file from CAM (credit account managment)

 

sent in a cca req to the debt they are refering to & they have brought back the below agreement, this is a agreement i took over, i can never remember having a default notice, fine i do agree i owe the money, i would like a breakdown of charges etc.. so i believe i am going to have to send in a SAR to see what has been added, but once its all confirmed genuine, is this agreement right, can they share my data with CRA's, no where on the agreement states this although part of it refers to they can add charges for letters issued etc.., also shouldnt they provide t&c as it mentions in the agreement.

 

http://i44.photobucket.com/albums/f31/crk81/GUSCreditAgreement.jpg

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  • 2 weeks later...

further to the above, i today receive a further letter from CAM advising me that Shop direct have unforunately been unable to provide a copy of the default notice but they can advise it was sent around 24th dec 2008. they have however been able to supply a reproduced sample copy of the default notice, the actual default notice having left shop directs control when was sent to me.

 

guess al have to do my homework i am sure this is still not legal & i am going to have to fight this matter further.

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dont sign that form and don't send it back.

If they can't provide you with a valid cca then they can't enforce the debt.

In fact any letters you send to them send recorded delivery and never sign any of them! They obviously don't have a cca otherwise they would be waving it in front of you.

VICTORIES TO DATE THROUGH THE HELP OF THIS SITE:

 

1. Littlewoods Catalouge - No pursual of debt & wrote off £4500

2. Three mobile - Debt written off in full, all adverse entries including default removed from credit files, even got an apology from the Chairmans office

3. HSBC Bank - Partial refund for bank charges & claim lodged at court for outstanding charges.

4. HFC Bank - Ongoing - SAR'd in may- Going to register at court for non compliance.

5. Barclaycard - Being very awkward but Ongoing - These are a tricky bunch but they will fold before I do.

 

GOD BLESS CONSUMER ACTION GROUP!

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no m8, that credit agreement above on my 1st post has my sig on it, i just blanked it out. so i know i am liable for debt, on another note tho got this email back from CAM today (only sent my email yesterday & letter)

 

Good Afternoon,

I am writing in response to your recent email regarding this account

In regards to the default notice as previously advised, Shop Direct have advised that they send all default notices 28 days prior to an account defaulting. As previously stated Shop direct do not keep originals as this would have been sent on to you. However, as Shop Direct have been unable to provide the notice of default and as requested as a gesture of good will we will remove the default from your credit file. Please allow up to 28 days for this to reflect in your file.

In response to your possible subject access request on this account then we would require you to put this request in writing to us. Shop Direct will also request that the subject access request is accompanied with a cheque for £10 made payable to Shop Direct financial Services. We will of course forward this on to Shop Direct.

We can confirm that if you are willing to make a full and final settlement payment we would be able to close the account with a one off payment of £460. This would need to be paid via a cheque or postal order sent to Credit Account Management at the address detailed below. If you would prefer to pay this account in monthly instalments then we would allocate this account to a collection agency who will be able to take your payment and will be able to advise you of acceptable monthly payments.

Our contact address: Credit Account Management

PO Box 650

Weybridge

Surrey

KT13 3EN

Please advise us of you next course of action and if you have any further queries please do not hesitate to contact us on 0845 839 6323.

 

 

if they remove the default then can then apply another at a later date?

i don't think i am in a postion to pay the settlement figure so would more than likely look at repayment spread over say 12mth period.

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thats what i was thinking, doesnt even state apr, that i even give them permission to share my data, i'll let them remove the default (i think they know they have balls things up & thats why they have agreed to this) and just await any letters from them in the future. thanks for the advice guys much apprciated :-)

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Quote: no m8, that credit agreement above on my 1st post has my sig on it, i just blanked it out. so i know i am liable for debt,

 

That isn't a valid CCA. Infact it is far from it. You are not liable for any debt and if they have made a mistake and got no signed agreement then tough luck for them.

VICTORIES TO DATE THROUGH THE HELP OF THIS SITE:

 

1. Littlewoods Catalouge - No pursual of debt & wrote off £4500

2. Three mobile - Debt written off in full, all adverse entries including default removed from credit files, even got an apology from the Chairmans office

3. HSBC Bank - Partial refund for bank charges & claim lodged at court for outstanding charges.

4. HFC Bank - Ongoing - SAR'd in may- Going to register at court for non compliance.

5. Barclaycard - Being very awkward but Ongoing - These are a tricky bunch but they will fold before I do.

 

GOD BLESS CONSUMER ACTION GROUP!

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send them the account in dipute letter in the templates section. that'll get them moving.

VICTORIES TO DATE THROUGH THE HELP OF THIS SITE:

 

1. Littlewoods Catalouge - No pursual of debt & wrote off £4500

2. Three mobile - Debt written off in full, all adverse entries including default removed from credit files, even got an apology from the Chairmans office

3. HSBC Bank - Partial refund for bank charges & claim lodged at court for outstanding charges.

4. HFC Bank - Ongoing - SAR'd in may- Going to register at court for non compliance.

5. Barclaycard - Being very awkward but Ongoing - These are a tricky bunch but they will fold before I do.

 

GOD BLESS CONSUMER ACTION GROUP!

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