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    • Hi, If they haven't followed the court's directions there will be little tolerance of the court. Anyway please can you upload a copy of the court paperwork
    • Yes, you should have applied for an immediate strike out as soon as the deadline expired. Without the agreement, they are stuffed Forget Barclaycard, Asset link is now the creditor, and it is down to them to provide the agreement.  That needs to go into the witness statement. They have not provided the agreement contrary to directions of the court and request the court strike out the claim as to the original court directions.
    • I did not receive a notice via post but in my claim status it shows my claim was transferred to a court I requested in my DQ, as it is closer to me.    Defense I filed:  1.       The Defendant contends that the particulars of claim are vague and generic in nature. The Defendant accordingly sets out its case below and relies on CPR r 16.5 (3) in relation to any particular allegation to which a specific response has not been made. 2.       The defendant paid the lead tenant a fixed sum monthly bill without fail for the extent of the rental period of the accommodation their contract was associated with who was responsible to make payments to the claimant, ending in June 2023. 3.       After moving out, a month later, the claimant wrote to state that an outstanding sum existed. Further stating, as one of the 10 tenants at the time, I now owed them the full sum instead of my 1/10 proportion of said debt, as 10 students were at the dwelling. They also intimated that they were legally allowed to charge me the full sum if the other renters were not to pay their share under some equal and joint severity rule. 4.       Despite sending numerous requests prior to the court claim being raised for copies of said bills for said utilities covered by the agreement, the claimant failed to send any clear bills. This included a CPR 31.14 on xx/xx/xxxx sent via post. 5.       The defendants stress that they acted in good faith to settle the outstanding balance, as evidenced by the confirmation received from the claimant.  Any subsequent demands for additional payments are unwarranted and contradict the claimant's previous acknowledgment of settlement. 6.       Pursuant to OFGEM code of back billing rules the alleged charges relate to charges which have not been billed correctly by Co-operative Energy and are therefore prevented from charging. With the court’s permission the Claimant is put to strict proof to: - a) show and disclose how the Defendant has entered into an agreement. b) show and disclose how the Claimant has reached the amount claimed. c) show how the Claimant has the legal right, either under statute or equity to issue a claim. 7.As per Civil Procedure Rule 16.5 (4) it is expected that the Claimant prove the allegation                  that the money is owed. 8.It is therefore denied that the defendant is indebted to the claimant as alleged or at all.
    • Paint is a free programme on any Windows PC. But don't worry, the choice here is not either perfection or nothing. As you say, use your scanner, save the file ... and then use the "choose files" option when you post to CAG to add the file. We can do all the redacting and converting to the correct file type at this end.  The important thing is just to get the info to us. Why not do an experiment this afternoon and see if the above works?  
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    • Hello,

      On 15/1/24 booked appointment with Big Motoring World (BMW) to view a mini on 17/1/24 at 8pm at their Enfield dealership.  

      Car was dirty and test drive was two circuits of roundabout on entry to the showroom.  Was p/x my car and rushed by sales exec and a manager into buying the mini and a 3yr warranty that night, sale all wrapped up by 10pm.  They strongly advised me taking warranty out on car that age (2017) and confirmed it was honoured at over 500 UK registered garages.

      The next day, 18/1/24 noticed amber engine warning light on dashboard , immediately phoned BMW aftercare team to ask for it to be investigated asap at nearest garage to me. After 15 mins on hold was told only their 5 service centres across the UK can deal with car issues with earliest date for inspection in March ! Said I’m not happy with that given what sales team advised or driving car. Told an amber warning light only advisory so to drive with caution and call back when light goes red.

      I’m not happy to do this, drive the car or with the after care experience (a sign of further stresses to come) so want a refund and to return the car asap.

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    • Housing Association property flooding. https://www.consumeractiongroup.co.uk/topic/438641-housing-association-property-flooding/&do=findComment&comment=5124299
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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.

      Frankly I don't think that is any accident.

      One of the points that the judge made was that the customers contract with the broker specifically refers to the courier – and it is clear that the courier knows that they are acting for a third party. There is no need to name the third party. They just have to be recognisably part of a class of person – such as a sender or a recipient of the parcel.

      Please note that a recent case against UPS failed on exactly the same issue with the judge held that the Contracts (Rights of Third Parties) Act 1999 did not apply.

      We will be getting that transcript very soon. We will look at it and we will understand how the judge made such catastrophic mistakes. It was a very poor judgement.
      We will be recommending that people do include this adverse judgement in their bundle so that when they go to county court the judge will see both sides and see the arguments against this adverse judgement.
      Also, we will be to demonstrate to the judge that we are fair-minded and that we don't mind bringing everything to the attention of the judge even if it is against our own interests.
      This is good ethical practice.

      It would be very nice if the parcel delivery companies – including EVRi – practised this kind of thing as well.

       

      OT APPROVED, 365MC637, FAROOQ, EVRi, 12.07.23 (BRENT) - J v4.pdf
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Help, I'm Lost with these credit card Companies


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Charlick...with all respect (as I can see you are new here and have posted just twice). That so called advice is utter cobblers.

 

The CCA 1974 plus its SI is quite precise - the debtor has to have signed an original agreement which contains the prescribed terms as shown under S61-63 of the CCA. It has to have been countersigned by the creditor. It also has to be legible. If they do not have this it is game over.

 

This is backed up by strong case law and High Court precendents.

 

The update to the CCA in 2006 does not apply to agreements signed before that date. Even if it was signed after that you still have to have a properly executed agreement.

 

Whilst it is correct when you ask a creditor for a true copy it does not have to be a signed copy but must be an exact copy in every material respect. If it goes to court they will HAVE to supply a signed copy and the original.

 

Please research these forums and get your facts right. Many of the people on here are legally trained or consult with lawyers and barristers.

 

Do you really think so many people would have successfully initiated or defended claims if the scenario you are suggesting is in any way correct?

 

Do you really think these banks and credit card companiesand the odious DCAs would throw everything they have at individuals taking them on, from hiring expensive barristers to fighting costly legal battles?

 

In any event these cases are complex and involve many other aspects of the law and if a case can fail on one point it often succeeds on another.

 

Or has Barclaycard or a DCA asked you to come on here and post such errant nonsense?

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Err! Morgan Solicitors. In Rugby? Surely not, these are Cabot the debt collector's inhouse solicitors.

 

If so they would tell you that nonsense.

 

Sorry to jump at you Charlick but we do get mischief makers on here. I think you had better start a thread and tell us your story. So far you have just mentioned Barclaycard and Mercer. Has your debt been sold to Cabot?

 

Start a thread and post the Link on here and we can see what's going on and not hijack this thread.

 

Ah CitizenB we were cross typing!

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  • 3 weeks later...

Charlick, Barclaycard is a really difficult company to get these agreements from. From reading lots of threads on here I am of the opinion that they are taking this bullish approach as they don't have any proper agreements.

They can't let people know they don't have them as we all tell each other here and elsewhere and their liabilities would be enormous.

I am not exactly sure of what to do re this request for more time - my own view is they are just bluffing. Why don't you call the court? Explain you are a Litigant in Person and would like some advice on procedure. See what they say. Depending on what they advise I would be inclined to write to the court and state your objections to this.

 

All you have asked for is a copy of the original agreement which they are bound by law to supply.

 

What on earth is there to prepare a case for? Either they have it and can produce it or they don't and should pay you costs for wasting your time.

 

As for Mercers/BC's threats. Tell them to sue you if they believe they have a case. They would have to supply the agreement then.

 

Barclaycard is playing a high risk strategy and they know it.

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Well if the court has not had any submission for a stay, there won't be one. Until you hear further your hearing will go ahead on September 8th. They are playing games with you I think so don't let them get to you.

 

I think I would write to the Court Manager and send a copy of the letter where they wrote to you asking for more time. Explain you are a Litigant in Person and not sure how to proceed but state that there is no genuine reason why they would need to delay the hearing and as such you object to any extension. You have made a simple request for them to supply the original copy of an executed agreement. Either they have it or they don't. Try that and then follow it up in a few days when the court will have had a copy.

 

As to the letters, just keep filing them and produce them for the judge if needed to show just how ridiculous Barclaycard is.

I think it is deliberate so people really do get brassed off and give it up.

 

I doubt they wills end anyone. If they do just show him the court papers he (or she) will soon go away again.

I also think it gets to a point where it's pointless replying to them so just leave it and let them stew.

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  • 2 weeks later...

Have you sent a copy of the court hearing documents to Mercer. You shouldn't need to have to as Barclaycard should have told them to stop their actions.

 

I would also write a letter to Barclaycards legal team in London and give notice that you will start proceedings against them if they do not stop this harrassment. You need a CAG expert to tell you what grounds etc.

Keep a log of what is happening. Frankly if he came knocking on my door I would show him the court papers and tell him if he wants to be up on harrassment charges he'll not call again and tell his paymasters to stop this action. I would also tot up all the charges with compounded contractual interest and have a spreadsheet ready for this man if he calls again. Get his name and address and give him a copy to take away and tell him you will pursue him for these charges plus costs and damages.

I can't beleive what is happening to you Charlick.

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  • 2 weeks later...

Good Charlick. At least it keeps them off your back until you can see this in court. I think you just sit tight now and await papers.

 

However if you aren't sure just call the court and ask them what is happening.

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