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    • Paragraph 23 – "standard industry practice" – put this in bold type. They are stupid to rely on this and we might as well carry on emphasising how stupid they are. I wonder why they could even have begun to think some kind of compelling argument – "the other boys do it so I do it as well…" Same with paragraph 26   Paragraph 45 – The Defendants have so far been unable to produce any judgements at any level which disagree with the three judgements…  …court, but I would respectfully request…   Just the few amendments above – and I think it's fine. I think you should stick to the format that you are using. This has been used lots of times and has even been applauded by judges for being meticulous and clear. You aren't a professional. Nobody is expecting professional standards and although it's important that you understand exactly what you are doing – you don't really want to come over to the judge that you have done this kind of thing before. As a litigant in person you get a certain licence/leeway from judges and that is helpful to you – especially if you are facing a professional advocate. The way this is laid out is far clearer than the mess that you will get from EVRi. Quite frankly they undermine their own credibility by trying to say that they should win simply because it is "standard industry practice". It wouldn't at all surprise me if EVRi make you a last moment offer of the entire value of your claim partly to avoid judgement and also partly to avoid the embarrassment of having this kind of rubbish exposed in court. If they do happen to do that, then you should make sure that they pay everything. If they suddenly make you an out-of-court offer and this means that they are worried that they are going to lose and so you must make sure that you get every penny – interest, costs – everything you claimed. Finally, if they do make you an out-of-court offer they will try to sign you up to a confidentiality agreement. The answer and that is absolutely – No. It's not part of the claim and if they want to settle then they settle the claim and don't add anything on. If they want confidentiality then that will cost an extra £1000. If they don't like it then they can go do the other thing. Once you have made the members of suggested above – it should be the final version. court, that I would respectfully requestup but I don't think we are going to make any more changes. Your next job good to make sure that you are completely familiar with it all. That you understand the arguments. Have you made a court familiarisation visit?
    • just type no need to keep hitting quote... as has already been said, they use their own criteria. if a person is not stated as linked to you on your file then no cant hurt you. not all creditors use every CRA provider, there are only 3 main credit file providers mind, the rest are just 3rd party data sharers. if you already have revolving credit on your file there is no need to apply for anything just 'because' you need to show you can handle money. if you have bank account(s) and a mortgage which you are servicing (paying) then nothing more can improve your score, despite what these 'scam' sites claiml  its all a CON!!  
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      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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Cahoot Agreements


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Does anyone know which sections of CCA 1974 cover the following:

 

Agreement for Cahoot Flexible Loan - with PPI. Is this a multiple agreement under s18, agreement seen does not mention PPI, no mention charges for missed or late payments also nothing about early repayment that I can see as not very good copy.

 

Agreement for Cahoot Credit Card and Cahoot Current Account - Is this a multiple agreement under s18 as one document has both details of credit card and current account. No details regarding charges for late or missed payments or info regarding your rights to cancel. But does have info on your right to settle this agreement at any time. Again not very good copy.

 

Also looks like they have supplied front of one document from one agreement and reverse with signature on from a completely different agreement as signature is not the applicants (friend who has asked my opinion).

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Also Cahoots Default Notices.

 

Three received in respect of Credit card, each sent 2nd Class (envelopes kept).

 

Going by date(S) on DN:

 

DN no. 1 took 7 days to arrive

DN no. 2 took 12 days to arrive

DN no. 3 took 7 days to arrive

 

Each one says:

 

You can remedy this breach by paying the sum due as detailed above to us within 14 days of the date of this notice.

IF THE FURTHER ACTION REQUIRED BY THIS NOTICE IS TAKEN BEFORE THE DATE SHOWN THEN NO FURTHER ENFORCEMENT ACTION WILL BE TAKEN IN RESPECT OF THE BREACH.

 

Now i thought DN's had to give an exact date by which the breach could be fixed.

 

"…within 14 days of the date of this notice." - Bit vague - in case of DN no. 2 would only have had 2 days, day received was a Saturday of a Bank Holiday weekend so only had the Sunday and Bank Holiday Monday to do anything about it.

 

 

 

DN in respect of the Loan 2 received, again 2nd Class.

 

DN no.1 took 10 days to arrive

DN no.2 took 6 days to arrive'

 

Each one says:

 

You can remedy this breach by paying the sum of £XXX.XX to us within 14 days of service of this notice.

IF THE FURTHER ACTION REQUIRED BY THIS NOTICE IS TAKEN BEFORE THE DATE SHOWN THEN NO FURTHER ENFORCEMENT ACTION WILL BE TAKEN IN RESPECT OF THE BREACH.

 

Do these comply?

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Has also received a Notice regarding your Cahoot Credit Card, which I take to be the new notices of arrears they are required to send. Does not say it is a notice of arrears but "Notice regarding your cahoot Credit Card (Account no. 1234567891234567)

 

And the account number is completely different from that given on the DNs. This came about 8 months ago but friend has had nothing since.

 

Thought they should send these every six months?

 

Sent second class, date on notice is 12th, date franked on envelope is 19th, arrived on 24th

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cahoot is difficult. generally thought to be watertight agreements. i do wonder myself about the multiple agreement thing. case law is probably the only way the issue will be resolved, but there don't appear to be too many examples.

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