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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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Default registered - help?


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Hi

 

i recently wrote to Eos Solutions (they were acting on behalf on Freemans) to request a copy of CCA. I had been behind with payments for a while and so Freemans passed this account onto EOS. EOS wrote back stating that Freemans were unable to supply a copy of the agreement - almost as soon as this letter was recieved a Default notice was registered on my credit file (in fact 3 default notices were registered as Freemans for some reason had split the account into 3 seperate accounts - i don't know why or how they have done this).

 

It is very important for me to have a clean credit report as i run my own business and may be looking for a new mortgage deal sometime in the near future.

 

Is it possible to have these defaults removed. Firstly there is no valid CCA, secondly i am unaware as to how i ended up with 3 accounts (one has an outstanding balance of approx. £3000, one £209 and the other £90!). Also i did not recieve any formal notification that this default was to be registered - i had been recieveing letters stating that my account was in arrears. All accounts have now been marked as 'settled' on my credit report also but with the defaults firmly in place.

 

Should i write to the CRA's and ask them to remove them and also to Freemans/EOS.

 

Any helpwould be very much appreciated.

 

Best wishes

DFF

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Hi, sorry to step in but I have an issue as I have been told today by a factoring company that I cannot be a director or a shareholder of a newco that we are setting up. This has come about because over the last 6-mths I have challenged the banks with CCA 1974, and Bank of Scotland have admitted they have no agreement. Unfortunately, they have recorded defaults along side others.

 

Do you have any experience or knowledge of this ?

 

I am not sure if I can even get a bank a/c

 

Thanks

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I wish I had some good news for you but I'm in a similar position to you with Kays (Shop Direct)

 

Mine was all paid up many moons ago but they refuse to remove. No CCA, no notification. My discussion with them has gone on for 4 months or so. They sent a letter last week saying they had no intention of removing the default as when I accepted the goods I was bought into their process and didnt have a leg to stand on.

 

They ended up saying if I wasnt happy to contact th Ombudsman,

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