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    • Hi. Could you post up what they've sent please so we can see what the charge is? Cover up your name and address and their reference number. HB
    • I've looked through all our old NPE threads, and as far as we know they have never had the bottle to do court. There are no guarantees of course, but when it comes to put or shut up they definitely tend towards shut up. How about something like -   Dear Jonathan and Julie, Re: PCN no.XXXXX cheers for your Letter Before Claim.  I rolled around on the floor in laughter at the idea that you actually expected me to take this tripe seriously and cough up. I'll write to you not some uninterested third party, thanks all the same, because you have are the ones trying to threaten me about this non-existent "debt". Go and look up Jopson v Homeguard Services Ltd, saddos.  Oh, while you're at it, go and look up your Subject Access Request obligations - we all know how you ballsed that up way back in January to March. Dear, dear, dear - you couldn't resist adding your £70 Unicorn Food Tax, you greedy gets.  Judges don't like these made-up charges, do they? You can either drop this foolishness now or get a hell of a hammering in court.  Both are fine with me.  Summer is coming up and I would love a holiday at your expense after claiming an unreasonable costs order under CPR 27.14(2)(g). I look forward to your deafening silence.   That should show them you're not afraid of them and draw their attention to their having legal problems of their own with the SAR.  If they have any sense they'll crawl back under their stone and leave you in peace.  Over the next couple of days invest in a 2nd class stamp (all they are worth) and get a free Certificate of Posting from the post office.
    • Yes that looks fine. It is to the point. I think somewhere in the that the you might want to point out that your parcel had been delivered but clearly had been opened and resealed and the contents had been stolen
    • Hi All, I just got in from work and received a letter dated 24 April 2024. "We've sent you a Single Justice Procedure notice because you have been charged with an offence, on the Transport for London Network." "You need to tell us whether you are guilty or not guilty. This is called making your plea."
    • Okay please go through the disclosure very carefully. I suggest that you use the technique broadly in line with the advice we give on preparing your court bundle. You want to know what is there – but also very importantly you want to know what is not there. For instance, the email that they said they sent you before responding to the SAR – did you see that? Is there any trace of of the phone call that you made to the woman who didn't know anything about SAR's? On what basis was the £50 sent to you? Was it unilateral or did they offer it and you accepted it on some condition? When did they send you this £50 cheque? Have you banked it? Also, I think that we need to start understanding what you have lost here. Have you lost any money – and if so how much? Send the SAR to your bank as advised above
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    • 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.

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      OT APPROVED, 365MC637, FAROOQ, EVRi, 12.07.23 (BRENT) - J v4.pdf
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My CCA's from Egg - Please look


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Hi,

 

I CCA'd Egg for both my loan and credit card and was surprised to receive both the agreements in good time.

 

Please can someone have a look and see if they are enforceable or not...

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It has been mentioned before, but I believe the lack of credit limit is a minor flaw on a credit agreement and I think any attempt to get the courts to declare it unenforceable on this single ommission, will in all likelyhood fail. The CCA states that the credit limit must be given or the debtor told how it will be determined. This seems to have been done.

 

I would say that both agreements are enforceable. As a rule of thumb, if a creditor sends you a actual true copy within the timelimits, it will be enforceable. If they stall and send you junk, then you can be pretty sure they don't have it.

 

Have you received Default Notices on these accounts and are they valid? What is the current state of play on these accounts?

Please note that I am not a solicitor or legally trained. The advice I give is from my own personal experience based on my own personal circumstance. If you choose to follow any advice I may give, please make sure you understand the implications of following that advice. :-)

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It has been mentioned before, but I believe the lack of credit limit is a minor flaw on a credit agreement and I think any attempt to get the courts to declare it unenforceable on this single ommission, will in all likelyhood fail. The CCA states that the credit limit must be given or the debtor told how it will be determined. This seems to have been done.

 

I would say that both agreements are enforceable. As a rule of thumb, if a creditor sends you a actual true copy within the timelimits, it will be enforceable. If they stall and send you junk, then you can be pretty sure they don't have it.

 

Have you received Default Notices on these accounts and are they valid? What is the current state of play on these accounts?

 

may well be the case- all i am saying is that i read some threads on here about this terminology and its worth checking them out

 

at the very least it makes them not properly exectued

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it makes them not properly exectued

 

My understanding of not properly executed, means that the agreement has not be signed properly, something that the creditor can remedy fairly easily.

 

Having the agreement deemed unenforceable is different to not executed properly. By all means, do due diligence on the wording regarding credit limits, but as the other prescribed terms are there, IMO I would not go to court on that single count. In most cases, it is the total lack of prescribed terms that makes the agreement unenforceable.

Edited by Dinkjames
Grammar

Please note that I am not a solicitor or legally trained. The advice I give is from my own personal experience based on my own personal circumstance. If you choose to follow any advice I may give, please make sure you understand the implications of following that advice. :-)

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It's not that easy?

 

It is not for the debtor to go to court and argue that it is improperly executed

 

It is for the creditor to do so if he wants to enforce it with the subsequent time and expense! and he cant claim his costs since the mistake was his not the debtors

 

always a useful bargaining tool in a F & F offer

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I think PT has already won a case based on the 'approved limit'.

 

It is a prescribed term and if the word 'credit' is missing it is unenforcable.

 

As said before, take a look on the egg forum for more info.

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The CCA states that the credit limit must be given or the debtor told how it will be determined. This seems to have been done.

 

But the 'credit limit' is not given, nor the manner in how it will be determined.

 

Approved limit has no relevance to a credit limit.

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But the 'credit limit' is not given, nor the manner in how it will be determined.

 

Approved limit has no relevance to a credit limit.

 

The credit limit does not have to be "specified"

 

it can be a simple statement that (usually) says

 

"we will advise you of your credit limit from time to time"

 

that complies

 

APPROVED LIMIT does not

 

you really do need to go to the EGG forums and read the threads and you could always PM PT and he will point you in the right direction if youre lost

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private message

 

click on someones handle and it will take you to their profile and you can send a private message

 

but read the warnings on PM;s on the home page of the site

 

it is wiser to try and keep all comments in open forum where all can see and advise if something looks dodgy

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