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    • Good Evening, I've got a fairly simple question but I'll provide some context incase needed. I've pursued a company that has operations in england despite them having no official office anywhere. I've managed to find a site they operate from and the papers there have been defended so I know they operate there. They've filed a defence which is honestly the worst defence ever, and despite being required to provide their witness evidence, they have not and have completely ignored the courts and my request for copies of it. I'm therefore considering applying to strike out their defence on the grounds the defence was rubbish and that they haven't provided any evidence for the trial. However, it has a trial date set for end of june, and a civil application wouldn't get heard until a week before then, so hardly worth it. However, my local court is very good at dealing with paper applications (i.e ones that don't need hearings, and frankly I think they are literally like 1-2 days from when you submit it to when a Judge sees it. I'm wondering if I can apply to strikeout a defence without a hearing OR whether a hearing is required for a strikeout application.   Thanks
    • I have just opened another bank acc with lloyds (i have a few already) After doing some research they may have some relation to tsb or be apart of the same group will this cause me issue if my salary is paid into my lloyds account? Also, if the debts do go into default and nothing is paid then after 6 years it all goes away? As the DCAs cannot do anything? I do want to start paying in like 3/4 months or do you advise I leave it if it goes into default? again sorry for all the questions, i am just processing everything
    • one reply only  follow post 2 of letter of claim <<clickme link. dx
    • Sorry, I got confused  Yes, it states all three   Thanks, 
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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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Urgent advice needed! Welcome sent repo agents!!


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Post would you just be able to clarify something for me please? I have so far paid about 5K since the beginning, however when they modified the agreement there is a new figure that is "the third" that totally disregards any other payments made on the first agreement. how much is a third????

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  • 2 weeks later...

Please could somebody point me in the right direction???

 

Everything's gone quiet on the Welcome front; no letters, phonecalls or repo agents knocking at my door!

 

I checked my credit file and they have registered another month in arrears but no default so does that mean they can't repossess?? without a DN??

 

I've also sent letters requesting compliance with sar and refund of ppi, (recorded delivery of course), they haven't acknowledged receipt or replied and the time is now up.

 

Is there a template letter for FOS complaint somewhere and how can I enforce compliance with sar??

 

Also should I be sending a letter to someone regarding the commission they say they don't give?

 

Many thanks x

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Just had another visit from the repo man!! This time I managed to be in when he turned up, unfortunately for him he didn't have a court order to hand to enable him to take the car off private property.

 

I did manage to get a copy of a letter he had from Welcome stating that they were the legal owners of the vehicle and that they had served all the statutory notices under section B7 (1) of the Consumer Credit Act 1974.

 

I haven't been served any notices and the account is still active according to Welcome updating my credit file!!

 

Also he has a figure showing a balance on the account which is a different figure to what is on my file.

 

Welcome are still ignoring my letters.

 

Any clues on where to go next???

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Hi, even if the repo man did have a copy of a court order, the only person able to actually repossess the car off private land is a County Court Bailiff - so if it's parked on your drive he can't take it without your permission (and you're not going to give permission are you).

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Most definitely not! ha ha!

Thanks for the reply, do you think I should do anything about them trying to repossess a car without serving any notices or terminating the account?? It's all getting so confusing now; they've done so much wrong I don't know which one to start with!

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