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    • Thanks DX - I wondered about the blacked out bits. That's their doing not mine obviously.   Attached is the exhibits part of the bundle. Sorry about this, no matter what I compressed the whole thing down to I got the oversize message, even if the filesize on my computer was showing as well under 4.8mb   The_exhibits-compressed.pdf
    • Thanks Bankfodder!   Hello again everyone.    I received my SAR back from Elderbridge and what and absolute load of **** it is!   1.  They did not send any transcripts or recordings of any phones calls  - both myself and my husband spoke to them in Aug 2016 (noted in their diary notes) and I called them in Dec 2018 (again noted in their diary notes) it was the same day they sent the reply even though they have mentioned me calling in their notes on that day, so not sure I should let that go or not!   I also spoke to them in July 2016 (again in the notes) and I spoke to them in Dec 2012 (again in the notes)    2.  Going through the diary notes in the beginning notes were sporadic mainly because we were making payment and everything was ok, then later as things changed there were notes almost once a month, then in NOV 2012 and Dec 2012 frequency of notes increase as this is when they began court proceedings.  and throughout 2013 again lots of notes made - mostly their in house stuff about court dealings and so on - so that's fine. then in NOV 2013 hey made a not re the court date in OCT - saying that they were ordered to treat the loan as having a fixed rate from inception and sent off etc.  BUT from 21 Nov 2013 to 17th June 2014 there are no notes at all!  Now the hearing was on the 10th Jan 2014!   17/06/2014 14:43 *****Substantial EVS costs to be added to any SF ****** 17/06/2014 14:43 EVS Defended + At the hearing on 10/01/2014 an SPO for 500 on 26/01/2014 and then CMI + £60 wef 26/02/2014 plus MJ for £103,331.03 suspended on the same terms. It was also held that we could add our costs - Defended costs on this case are £33,879.80. 17/06/2014 00:00 Reviewed Reviewed 17/06/2014 00:00 ***Defended Costs*****:To be added to any SF ***Defended Costs*****:To be added to any SF 21/11/2013 04:13 ADHOC Statement Printed From 03/10/13 To 13/11/13 Batch 2015 Sequence 28 Printed 13/11/2013 00:00:00   Above you can cleary see the gap then suddenly the first notes talk about the court case and costs etc, at the trial in OCT the judge reserved cost till the next hearing (also stated on the documentation from the court)  but then at that hearing in Jan 2014 we did not discuss costs - the 6 month gap I feel is very suspicious.    The final court document  dated 13th Jan 2014 says to pay the claimant £103,331.03 which is the amount outstanding under the mortgage and goes on to says order were not to be enforced as long as we pay etc.  no mention of costs at all - so they seem to just be adding them   3.   They sent a field agent to me in Jan 2018, I only knew this as on the 9th Jan 2018 I was working at home and heard the letterbox, thought it was the postman, went to the door to find an envelope shoved through the door with a letter in it saying they had been requested to visit me and that they called today but I was not in! and gave a number for me to call ( I saw the woman walking down the driveway - but she did not ring the bell! and I wasn't about to run after her!)   But in the notes they have written this utter lie!   30/01/2018 12:44 Field Agent Report Received The field agent visited the security address on three occasions. The customer was spoken to through the window. They refused to discuss and refused to answer the door. The contact number on file is not recognised. RFA - Not known Reasons for items not verified:N/A Details of variances of items outside of expenditure guidelines and reasons N/A Property is a detached house in good condation valued at £406,000. Equity not known. I actually cannot believe what I have read here! Can I ask them for some kind of proof of this, because I don't know who they are talking about but it certainly wasn't me!   4.  the documents they had sent me a joke, they have sent 77 documents in total, none of these are copies of letter from Elderbridge (which is who I sent the SAR to) all from First Plus and certainly not ALL of them, they have been bulked out by sending me copies of documents that I sent TO THEM for my court defence and there are strange Black boxes over some of the text!? which I don't understand!     After receiving this info from Elderbridge I decided to send a SAR to Barclays and I got a small package with a couple of letters, some diary notes and screen shot of the account, as well as a short statement of account. This was for our ORIGINAL loan from Feb 2006,  (we topped it up in June 2006) and the first one was closed.  The second one is the one that has been transferred to Elderbridge but Barclays seem to know be denying ALL knowledge of it! and I know that they still hold the beneficial interest of these loans and that Elderbridge regularly contact Barclays for help and advise - I have contact with other account holders who have diary notes from Elderbridge showing contact to Barclays!..   This week I also had a reply from the FOS (only from an adjudicator not an ombudsman) and his initial opion is that it's ok for Elderbridge to claim the costs as we defaulted, he seems to be ignoring my argument that the relationship is unfair etc but I will be sending this back and asking for it to be looked at by an ombudsman.   But was hoping that someone here could give me any advise re all of this - sorry I know it's a lot!!
    • why all the blanked out stuff in the parking contract? and no proof its paid this year either?  
    • pop the exhibits as a sep file i'll merge them for you
    • Thanks.   I've managed to reduce the file size and deleted from this copy all of the pages of photos and copies of the signs. Just their witness statement and the photos of the car parked up remain.   They say "My company relies on Parking Eye v Beavis (2015) in which it was accepted as an established principle that a valid contract can be made by an offer in the form of the terms and conditions set out on the sign and accepted by the driver's actions as prescribed therein"   Is there a refutation to this case anywhere? Or do I not argue that  and just refer back to EB's earlier post and focus on the signs?   "What you are writing is roughly your side of events and referring to the evidence you can provide so that will include their signage, any evidence or lack of authority for them to offer anything, their paperwork if that doesn't create a liability, the POFA where the vital phrases have been missed by the parking co or the timescales missed.   then you pick holes in the wording and substance fo their claim, for example, contractual sum or breach of contract - they are different. are they claiming from you as driver or keeper, cant assume they are one and the same.   What about the amount claimed? it will invariably include unicorn food tax so if they are saying keeper ia liable they are limited to asking for the amount shown on the NTK and you should make this clear as it helps damage their assertion that driver and keeper liability are the same thing   As they havent responded to your CPR request for documents you can start off with that but it isnt a golden bullet, "   thanks Bundle_the_approved,_signed_statement_with_the_exhibits-_Reduced.pdf
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alanfromderby

The Great CAG Slogan and Mug Photograph Competitions!!

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Thank you

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My son has suggested a Halloween special edition mug.

 

CAG logo with a picture of Dracula on it....and the words 'Stand up and be 'Count' ed........groan

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My son has suggested a Halloween special edition mug.

 

CAG logo with a picture of Dracula on it....and the words 'Stand up and be 'Count' ed........groan

 

"Dunk a banker "

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when you take a glug

from outa this mug

you ll be reminded

IT aint all one sided

much paperwork they will send

and it will drive you round the bend

consumer action is the site

to help you reclaim the right

we invite you to read our threads

so that you may get ahead

but in order that we can survive

please donate , and keep us alive

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I like reading the longer poems or sayings but for advertising is anyone going to stare at a cup for that long to read it :D?

 

CAG ..Why Don't You?

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'Count your blessings,

And your cash..

CAG helps return your long lost stash'

 

>>>>>>>>>>>>>>>>>>>>>>>>>>>>>>>>>>>>>>>>>>>>>>>>>>>>>>>

 

Log on to this site

and reclaim the right

to recover the cost

of all that you've lost.

 

Consumer Action Group..... for the journey.. ;)


[sIGPIC][/sIGPIC]

'Simples.' ;)

 

Any advice I offer is probably useless but there may be little nuggets of gold in there somewhere......If I have helped in any way, be it with knowledge or by giving your chuckle muscle some exercise please feel free to tip my scales....:-D

 

 

They say money talks......mine just keeps saying "Goodbye"

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Consumer Action Group..... for the journey.. :wink:

 

Get a little Xtra help from the .....CAG

 

CAG...You can BANK on us. :p

 

:D

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if a well known beer company , helped people to help themselves ,

they d of called it the consumer action group

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title.jpgWave the Flag... Join CAG

[sIGPIC][/sIGPIC]

'Simples.' ;)

 

Any advice I offer is probably useless but there may be little nuggets of gold in there somewhere......If I have helped in any way, be it with knowledge or by giving your chuckle muscle some exercise please feel free to tip my scales....:-D

 

 

They say money talks......mine just keeps saying "Goodbye"

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Hit with APR Extortion?

Fighting for your rights with due caution?

PPI Claims full of distortion?

Want your life back in proportion?

Tired of going round in circles and jumping through hoops?

NOW is the time to join Consumer Action Group.

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"This time next year, we'll be Millonaires".

Consumer Action Group.......you know it makes sense.

 

:-) Good ol' del boy..

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Hit with APR Extortion?

Fighting for your rights with due caution?

PPI Claims full of distortion?

Want your life back in proportion?

Tired of going round in circles and jumping through hoops?

NOW is the time to join Consumer Action Group.

 

excellent:cool:

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How about a simple CAG logo and Regulation 5 (1)


If in doubt, contact a qualified insured legal professional (or my wife... she knows EVERYTHING)

 

Or send a cheque or postal order payable to Reclaim the Right Ltd.

to

923 Finchley Road London NW11 7PE

 

 

Click here if you fancy an email address that shows you mean business! (only £6 and that will really help CAG)

 

If you can't donate, please use the Internet Search boxes on the CAG pages - these will generate a small but regular income for the site

 

Please also consider using the

C.A.G. Toolbar

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The second competition will be for when the mugs have been produced, and that will be a photo competition for which we have not yet decided on the prize. But the winner will be the best photo of a CAG mug being used in a bank - or some other major financial institution. More details on this after we have the mugs!!

 

How about a picture of MWA wearing the famous CAG fleece

that I had made for the Manchester Meet last year, wherever

anyone cares to name??!

 

SDC10635.jpg

 

SDC10634.jpg

 

SDC10636.jpg

 

:D


If my post was helpful don't forget to click the star!

Advice is offered freely, without liability and without prejudice.

If in any doubt professional legal advice should be sought.

 

I do not profess to be in any way legally trained, I am a big

oily truck driver and all I know has been learned within the

Consumer Action Group.

 

FAQ's

http://www.consumeractiongroup.co.uk/forum/faqs-please-read-these/

 

Trying to stop smoking?

http://www.consumeractiongroup.co.uk/forum/give-up-smoking-here/

 

A dummies guide to the forums

http://www.consumeractiongroup.co.uk/forum/welcome-consumer-forums/107001-how-do-i-dummies.html

--

KEEP WILDLIFE IN THE WILD

http://www.bornfree.org.uk

BORN FREE FOUNDATION

--

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How about a group 'drink up' on the steps of the Royal Courts of Justice in the Strand, I thought about that the other day when I passed by on the bus...

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I bought this mug with the money

left over from my bank refund...

 

The Porshe is in the car park :D

 

 

Love this one. Would love to see it on a mug. With something funny on the otherside of the mug, like Natwest burning to the ground as thousands of people reclaim their rights.

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diskmandave you have a B+M bargains mug on your kitchen side, did you spend £20 or more or did you pay for it? £2 is it?

 

My girlfriend used to work there as her first job.

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How about:-

 

1. I sued my last MUG & won all my charges back.

 

2. My other MUG is a Bank Manager.

 

3. Two wrongs don't make a right, but 70,000+ CAG'ers you cannot fight.

 

4. Cost of teabag 20p, cost of water 10p, cost of mug £2.50, seeing the £1k solicitor lose in court, priceless. For everything else there's CAGgers.

 

5. This isn'y just any mug, this is a CAGGER mug.

 

6. Why pay more (with the more crossed out) ? (CAG Logo)

 

7. CAG, donate and emancipate

 

8. Can't stop, won't stop - CAG

 

9. Paying charges is a MUG'S game

 

10. Paying charges is a MUG's game, claiming them back is a CAG'ers

 

11. To CAG or not to CAG ?

 

12. CCA 1974, CAG 200X (not sure what year CAG is started)

 

13. CAG - fight for your right

 

14. CAG - Come And Get us !

 

15. CAG - Creditors All Gone

 

16. CAG - CCJ's All Gone

 

17. CAG - CRA's Are Gits

 

18. CAG - Coallition Against Greed

 

19. CAG - Coallition Against Greedy banks

 

20. CAG - Came & Conqured

 

21. CAG - 70,000+ v Banks - Nil

 

That's all I can think of...........

 

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Give Your Debts The

CAG

TREATMENT

 

 

 

or maybe:

 

GOT DEBTS

GET CAG

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