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    • further polished WS using above suggestions and also included couple of more modifications highlighted in orange are those ok to include?   Background   1.1  The Defendant received the Parking Charge Notice (PCN) on the 06th of January 2020 following the vehicle being parked at Arla Old Dairy, South Ruislip on the 05th of December 2019.   Unfair PCN   2.1  On 19th December 2023 the Defendant sent the Claimant's solicitors a CPR request.  As shown in Exhibit 1 (pages 7-13) sent by the solicitors the signage displayed in their evidence clearly shows a £60.00 parking charge notice (which will be reduced to £30 if paid within 14 days of issue).  2.2  Yet the PCN sent by the Claimant is for a £100.00 parking charge notice (reduced to £60 if paid within 30 days of issue).   2.3        The Claimant relies on signage to create a contract.  It is unlawful for the Claimant to write that the charge is £60 on their signs and then send demands for £100.    2.4        The unlawful £100 charge is also the basis for the Claimant's Particulars of Claim.  No Locus Standi  3.1  I do not believe a contract with the landowner, that is provided following the defendant’s CPR request, gives MET Parking Services a right to bring claims in their own name. Definition of “Relevant contract” from the Protection of Freedoms Act 2012, Schedule 4,  2 [1] means a contract Including a contract arising only when the vehicle was parked on the relevant land between the driver and a person who is-   (a) the owner or occupier of the land; or   (b) Authorised, under or by virtue of arrangements made by the owner or occupier of the land, to enter into a contract with the driver requiring the payment of parking charges in respect of the parking of the vehicle on the land. According to https://www.legislation.gov.uk/ukpga/2006/46/section/44   For a contract to be valid, it requires a director from each company to sign and then two independent witnesses must confirm those signatures.   3.2  The Defendant requested to see such a contract in the CPR request.  The fact that no contract has been produced with the witness signatures present means the contract has not been validly executed. Therefore, there can be no contract established between MET Parking Services and the motorist. Even if “Parking in Electric Bay” could form a contract (which it cannot), it is immaterial. There is no valid contract.  Illegal Conduct – No Contract Formed   4.1 At the time of writing, the Claimant has failed to provide the following, in response to the CPR request from myself.   4.2        The legal contract between the Claimant and the landowner (which in this case is Standard Life Investments UK) to provide evidence that there is an agreement in place with landowner with the necessary authority to issue parking charge notices and to pursue payment by means of litigation.   4.3 Proof of planning permission granted for signage etc under the Town and country Planning Act 1990. Lack of planning permission is a criminal offence under this Act and no contract can be formed where criminality is involved.   4.4        I also do not believe the claimant possesses these documents.   No Keeper Liability   5.1        The defendant was not the driver at the time and date mentioned in the PCN and the claimant has not established keeper liability under schedule 4 of the PoFA 2012. In this matter, the defendant puts it to the claimant to produce strict proof as to who was driving at the time.   5.2 The claimant in their Notice To Keeper also failed to comply with PoFA 2012 Schedule 4 section 9[2][f] while mentioning “the right to recover from the keeper so much of that parking charge as remains unpaid” where they did not include statement “(if all the applicable conditions under this Schedule are met)”.     5.3         The claimant did not mention parking period, times on the photographs are separate from the PCN and in any case are that arrival and departure times not the parking period since their times include driving to and from the parking space as a minimum and can include extra time to allow pedestrians and other vehicles to pass in front.    Protection of Freedoms Act 2012   The notice must -   (a) specify the vehicle, the relevant land on which it was parked and the period of parking to which the notice relates;  22. In the persuasive judgement K4GF167G - Premier Park Ltd v Mr Mathur - Horsham County Court – 5 January 2024 it was on this very point that the judge dismissed this claim.  5.4  A the PCN does not comply with the Act the Defendant as keeper is not liable.  No Breach of Contract   6.1       No breach of contract occurred because the PCN and contract provided as part of the defendant’s CPR request shows different post code, PCN shows HA4 0EY while contract shows HA4 0FY. According to PCN defendant parked on HA4 0EY which does not appear to be subject to the postcode covered by the contract.  6.2         The entrance sign does not mention anything about there being other terms inside the car park so does not offer a contract which makes it only an offer to treat,  Interest  7.1  It is unreasonable for the Claimant to delay litigation for  Double Recovery   7.2  The claim is littered with made-up charges.  7.3  As noted above, the Claimant's signs state a £60 charge yet their PCN is for £100.  7.4  As well as the £100 parking charge, the Claimant seeks recovery of an additional £70.  This is simply a poor attempt to circumvent the legal costs cap at small claims.  7.5 Since 2019, many County Courts have considered claims in excess of £100 to be an abuse of process leading to them being struck out ab initio. An example, in the Caernarfon Court in VCS v Davies, case No. FTQZ4W28 on 4th September 2019, District Judge Jones-Evans stated “Upon it being recorded that District Judge Jones- Evans has over a very significant period of time warned advocates (...) in many cases of this nature before this court that their claim for £60 is unenforceable in law and is an abuse of process and is nothing more than a poor attempt to go behind the decision of the Supreme Court v Beavis which inter alia decided that a figure of £160 as a global sum claimed in this case would be a penalty and not a genuine pre-estimate of loss and therefore unenforceable in law and if the practice continued, he would treat all cases as a claim for £160 and therefore a penalty and unenforceable in law it is hereby declared (…) the claim is struck out and declared to be wholly without merit and an abuse of process.”  7.6 In Claim Nos. F0DP806M and F0DP201T, District Judge Taylor echoed earlier General Judgment or Orders of District Judge Grand, stating ''It is ordered that the claim is struck out as an abuse of process. The claim contains a substantial charge additional to the parking charge which it is alleged the Defendant contracted to pay. This additional charge is not recoverabl15e under the Protection of Freedoms Act 2012, Schedule 4 nor with reference to the judgment in Parking Eye v Beavis. It is an abuse of process from the Claimant to issue a knowingly inflated claim for an additional sum which it is not entitled to recover. This order has been made by the court of its own initiative without a hearing pursuant to CPR Rule 3.3(4)) of the Civil Procedure Rules 1998...''  7.7 In the persuasive case of G4QZ465V - Excel Parking Services Ltd v Wilkinson – Bradford County Court -2 July 2020 (Exhibit 4) the judge had decided that Excel had won. However, due to Excel adding on the £60 the Judge dismissed the case.  7.8        The addition of costs not previously specified on signage are also in breach of the Consumer Rights Act 2015, Schedule 2, specifically paras 6, 10 and 14.   7.9        It is the Defendant’s position that the Claimant in this case has knowingly submitted inflated costs and thus the entire claim should be similarly struck out in accordance with Civil Procedure Rule 3.3(4).   In Conclusion   8.1        I invite the court to dismiss the claim.  Statement of Truth  I believe that the facts stated in this witness statement are true. I understand that proceedings for contempt of court may be brought against anyone who makes, or causes to be made, a false statement in a document verified by a statement of truth without an honest belief in its truth.   
    • Well the difference is that in all our other cases It was Kev who was trying to entrap the motorist so sticking two fingers up to him and daring him to try court was from a position of strength. In your case, sorry, you made a mistake so you're not in the position of strength.  I've looked on Google Maps and the signs are few & far between as per Kev's MO, but there is an entrance sign saying "Pay & Display" (and you've admitted in writing that you knew you had to pay) and the signs by the payment machines do say "Sea View Car Park" (and you've admitted in writing you paid the wrong car park ... and maybe outed yourself as the driver). Something I missed in my previous post is that the LoC is only for one ticket, not two. Sorry, but it's impossible to definitively advise what to so. Personally I'd probably gamble on Kev being a serial bottler of court and reply with a snotty letter ridiculing the signage (given you mentioned the signage in your appeal) - but it is a gamble.  
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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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gaz V egg


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Hi all I need some advice as quick as pos.

 

I orig had and egg card one of the approved limit variety from 2000 or there abouts this was paid as normal until finacial problems late 2004.

 

Now to the problem I was defaulted as far as I remember late 2004 but dont remember having termination Letter.

 

No statments as no access to egg online from 2004 until last month.

 

 

In late 2004/early 2005 informed by egg they would not be able to deal with me as they had sold debt to CSL .

 

I paid CSL regulerly untill this year when work dried out and only claiming JSA.

 

Now CSL keept asking me to increase payments at all times offered full and final at about £3000 when debt hovered nearer £6k.CSL also stated they own debt

 

No statments ever sent i.e oft Arrears statment so obviously not sure who much I still owe.

 

Cutting a long story short contacted by ARC stateing they want either all owing or a substantial amount followed by a plan.

 

I attempted to access egg web site my log in was still at previos address

 

I was able to see a figure owed aledgedly also credit limit statment date payment date etc.

 

I was able to go to statments however just tells me account opened recently same with the CCA part of web sites just tells me to refer to paperwork sent out recent card apparently my intrest ratew is 0.0% till december wonder if I should consider reclaiming all intrest from 2000 to now would be more than what i owe proberbly double.

 

my main point is today I recive letter purporting to be Trevor munn solicitors telling me in 10 days from date of letter there a county court claim will be made letter dated 19th Oct what with postal strike it does not give me much time.

 

I foolishly contacted them today further to a complaint I lodged with the Fos in sept about whole miss information given to me on the account and the fact after several years of no statments not even the oft arrears notices and being told account sold etc . EGG have not responded to me like everyother institution has after FOS involvement no mater what the outcome has been.

 

I was told cotogoricly by ARC bloke who point blank refused to give name just stated egg had rejectected all off my complaint refused to even discus what egg had stated and why told me to ring egg but egg proberbly would not discus it when i stated eggs payment dates on my egg online thing He stated I should not take any notice of this and I should pay them not EGG please can someone help.

 

I still have not CCA this account however they also stated that they would continue collecting even if egg could not produce agreement no chance of account being disputed.

 

I have read on here people have applied for cca via ARC/Trevor Munn and just had there po sent back telling them they should apply to egg please please help me some one

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Hi,

 

Firstly I would get the CCA request into ARC. If you are worried that they may send it back and say to go to the OC, then I would send this letter:

 

http://www.consumeractiongroup.co.uk/forum/general-debt-issues/20758-creditors-dcas-letter-templates.html#post162367

 

Or this one

 

http://www.consumerforums.com/resources/templates-library/86-debt-collectors/581-cca-request-letter

 

If they still send it back, put the account into dispute with them and complain to Trading Standards.

 

Send a SAR to Egg. If Egg don't have an up to date address for you then enclose a copy of a utility bill. This is to stop them delaying their response.

 

Try to stay off the phone unless you can record the conversations

If you are asked to deal with any matter via private message, PLEASE report it.

Everything I say is opinion only. If you are unsure on any comment made, you should see a qualified solicitor

Please help CAG. Order this ebook. Now available on Amazon. Please click HERE

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  • 2 weeks later...

Hi all managed to get cca request off to ARC yesterday after speaking to fos who told me egg had until 8th November to send me final response.

 

I have had nothing as yet in way of a response now I get Trevor Munns 2nd letter arriving today.

 

any advice please no cca on eggs site not sure what the state of play is obviously i do not want to end up with CCJ.

 

Please can some one help !:evil:

 

http://i801.photobucket.com/albums/yy298/gazab_2009/treveormunn2.jpg

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Hi all managed to get cca request off to ARC yesterday after speaking to fos who told me egg had until 8th November to send me final response.

 

I have had nothing as yet in way of a response now I get Trevor Munns 2nd letter arriving today.

 

any advice please no cca on eggs site not sure what the state of play is obviously i do not want to end up with CCJ.

 

Please can some one help !:evil:

 

http://i801.photobucket.com/albums/yy298/gazab_2009/treveormunn2.jpg

 

Ok the letter may or may not be a threat, you need to search around for other people dealing with trevor munns and see if they do threaten and not follow through.

 

In any case if you have just sent the CCA and I'm guessing by Recorded delivery then with the postal strike its not likely to get there in time if they do wish to initiate proceedings.

 

However even if they do start a court claim that doesnt mean 100% you will get a CCJ, you do get to defend against them.

 

The fact you have the FOS involved in an ongoing dispute should be enough to show that Egg are being unreasonable and if they issue proceedings prior to that investigation finishing then it should show them in a bad light in front of a judge. Have you ever received a notice of assignment from ARC?

 

S.

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no have never recived notice of assignment whats one of those ?

 

If a debt is sold then a notice of assignment is required to be sent under the law of property, the fact you didnt receive it when it was passed to CSL would seem to indicate its Egg all along and just farming out through DCA's to get more money in.

 

S.

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I would put the account into dispute, resend the £1 and point them to the bit in red on this link:

 

http://www.consumerforums.com/resources/templates-library/86-debt-collectors/581-cca-request-letter

 

Report them to Trading Standards.

If you are asked to deal with any matter via private message, PLEASE report it.

Everything I say is opinion only. If you are unsure on any comment made, you should see a qualified solicitor

Please help CAG. Order this ebook. Now available on Amazon. Please click HERE

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just a furthur update could anyone advise on best letter to send back to arc.

please look at the letter they sent me.

 

anyone who as already had the same problem with arc please respond the postal order they returned to me is useless as its made out to ARC thanks.

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Gaz,

 

Ref PM, the advice you are getting neds to be followed.

 

ARC must forward the CCA request on to Egg. They do not have an option. They must forward it on to Egg. ARC have after all, told you only to deal with them.

 

This is the standard letter to send, altered slightly for ARC and egg. standard letters can be found in the Forum Library, but post back if you don't find what you need at any stage. Send this letter to ARC, c.c. this letter to Munn and Egg.

 

Dear Sir or Madam,

Account no xxxxxxxxxxxxxxx

 

ACCOUNT IN DISPUTE

 

Re: my request under the Consumer Credit Act 1974

Further to my request under the above act, your attention is drawn to the fact that this account is now subject to a serious dispute. On xxxxxxxx, by recorded delivery, I requested that you supply me a copy of the executed credit agreement covering this account pursuant to the Consumer Credit Act 1974 section 78, a copy of this request is enclosed. To date you have failed to comply with my request and have returned my statutory fee of £1, requesting that I contact Egg Direct. You will be aware that you, acting as agents for Egg have a legal duty to pass on this request to Egg. I have therefore enclosed the £1 statutory fee again and a copy of my original request.

Without production of the said agreement I am unable to assess if I am indeed liable for any alleged debt to you or your client, nor does it give me any chance to evaluate whether any original agreement was ‘properly executed’ as required by the Consumer Credit Act 1974.

 

For the avoidance of any doubt I have included section 78(1) and 78(6) of the Consumer Credit Act 1974, which states…

 

78 Duty to give information to debtor under running-account credit agreement

(1) The creditor under a regulated agreement for running-account credit, within the prescribed period after receiving a request in writing ( 12 working days + 2 ) to that effect from the debtor and payment of a fee of £1, shall give the debtor a copy of the executed agreement (if any) and of any other document referred to in it, together with a statement signed by or on behalf of the creditor showing, according to the information to which it is practicable for him to refer,—

(a) the state of the account, and

(b) the amount, if any, currently payable under the agreement by the debtor to the creditor, and

© the amounts and due dates of any payments which, if the debtor does not draw further on the account, will later become payable under the agreement by the debtor to the creditor.

(6) If the creditor under an agreement fails to comply with subsection (1)—

(a) he is not entitled, while the default continues, to enforce the agreement;

While this account remains in serious dispute, the relevant main points of the Law and OFT regulations while the account is in this state and ARC and Egg remain in default are:

  • You may not ask for payment against this account.
  • I am not obliged to offer any payment against this account.
  • You cannot register any data with a third party.
  • You cannot take any enforcement action, including registering Defaults.
  • You cannot pass the account on to a third party for collection.
  • You cannot sell the account.

Clearly as no agreement has been supplied on request, you have not complied with the requirements of the Consumer Credit Act 1974 and I now draw your attention to section 78 subsection 6 which states If the creditor under an agreement fails to comply with subsection (1) he is not entitled, while the default continues, to enforce the agreement;

 

Clearly this is a situation as described in S.78(6) Consumer Credit Act 1974 and the debt is unenforceable at this time. In addition, I draw your attention to section 127 (3) Consumer Credit Act 1974 which states

 

127(3) The court shall not make an enforcement order under section 65(1) if section 61(1)(a)(signing of agreements) was not complied with unless a document (whether or not in the prescribed form and complying with regulations under section 60(1)) itself containing all the prescribed terms of the agreement was signed by the debtor or hirer (whether or not in the prescribed manner).

 

This is backed by case law from the Lords of Appeal in Ordinary (House of Lords) the highest court in the land. Your attention is drawn to the authority of the House of Lords in Wilson-v- FCT [2003] All ER (D) 187 (Jul) which confirms that where a document does not contain the required terms under the consumer credit act 1974 the agreement cannot be enforced.

 

To clarify S.61(1) states

 

(1)A regulated agreement is not properly executed unless—

 

(a) a document in the prescribed form itself containing all the prescribed terms and conforming to regulations under section 60(1) is signed in the prescribed manner both by the debtor or hirer and by or on behalf of the creditor or owner, and

(b) the document embodies all the terms of the agreement, other than implied terms, and

© The document is, when presented or sent to the debtor or hirer for signature, in such a state that all its terms are readily legible

 

In addition the prescribed terms referred to in section 60 CCA1974 are contained in schedule 6 column 2 of the Consumer Credit (Agreements) Regulations 1983 (SI 1983/1553) and are inter alia: - A term stating the credit limit or the manner in which it will be determined or that there is no credit limit, A term stating the rate of any interest on the credit to be provided under the agreement and A term stating how the debtor is to discharge his obligations under the agreement to make the repayments, which may be expressed by reference to a combination of any of the following—

 

1.Number of repayments;

2.Amount of repayments;

3.Frequency and timing of repayments;

4.Dates of repayments;

5.The manner in which any of the above may be determined; or in any other way, and any power of the creditor to vary what is payable

 

Therefore based upon the Consumer Credit Act 1974 this debt as it stands is unenforceable and should this proceed to litigation, a court is precluded from making an enforcement order under section 127(3) unless a true copy of the signed agreement is produced..

 

At the point where this account entered into the default situation as described in s78 (6) CCA 1974 no other charges are allowed to be added until such time as you become compliant with my request. As you are still not in compliance with my request I insist that the following takes place with immediate effect.

 

All entries which refer to missed payments be removed from my credit file

All collection activities cease with immediate effect until you comply with my request from 27/03/09 or such time as a court makes an enforcement order.

In addition, I draw your attention to the Office of Fair Trading’s guidance on Debt Collection

 

The OFT guidance which was issued July 2003 (updated December 2006) relating to debt collections and what the OFT considers unfair, I have enclosed an excerpt from page 5 of the guidance which states

 

2.6 Examples of unfair practices are as follows:

 

h. Ignoring and/or disregarding claims that debts have been settled or are disputed and continuing to make unjustified demands for payment

 

What I Require.

 

I require that you send me a true signed copy of the executed agreement as required by the Consumer Credit Act 1974. If you are unable to supply the requested documentation because no such agreement is in existence I require written clarification as such.

 

I require that you comply with my request within 7 days of the date of this letter. I will not correspond any further with you until I either receive a copy of the requested documents as laid down in section 78(1) CCA 74 or clarification that such agreement doesn’t exist. I am advised that should you persist in pursuing this debt ignoring the above information you will be in breach of the Administration of Justice Act 1970 section 40 as well

 

No other correspondence will be accepted

 

Should you attempt litigation it will be vigorously defended and the failure to supply documentation under the CCA 1974 is a complete defence to any legal action and your actions will be vexatious and unlawful.

I would also remind you that this account is subject to an ongoing official complaint to the Financial Ombudsman Service. A court would take an extremely dim veiw of any action instigated while such an investigation is live.

 

 

I trust this out lines the situation

Yours faithfully

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hi sent the above letter with minor changes ie date.

 

this sent back to ARC with copy of my orig letter sent and the PO that they returned to me .

 

Sent copy of letter to both egg and trevor munn so wait and see what happens now...

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hi sent the above letter with minor changes ie date.

 

this sent back to ARC with copy of my orig letter sent and the PO that they returned to me .

 

Sent copy of letter to both egg and trevor munn so wait and see what happens now...

Smells a bit of fish this one ? with Shadow,Vint and Silver on side you dont really need anymore help, just to say even if it goes to ccj you can ask to have it set aside and put forward a defence that requires info from them . As they will not have or want to provide a cca they could effectivly be the ones stalling the case by not giving you info you request needed for your defence . This will at least buy you some time . Subject access request may bring something to light and if they mess you around on that one check out vints thread CRA'&OC's-creditref-reporting-discussion. Remember no signiture if they want to verify who you are the usual phone checks are sufficient .
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well just a quick update ARC have sent me a letter back by 1st class post.

I am gratful to Vint for letter in post 12 which i modified slightly.

 

ARC have basicly gone away they have told me the account has gone back to thier client letter only arrived with them yesterday must get refund on postal order and send new CCA request directly to egg will post reply from ARC latter.

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  • 1 month later...

hi all recived CCA from egg a couple of days ago the old approved limit not a very good photocopy. here is what was recived.

 

page 1 credit agreement "approved limit "

page 2 "blank"

Page 3 "my signiture and date below not my hand writing I do not join up zero's also contains eggs signiture just two lines not a realy signiture in my book"

Page 4 "blank"

several pages of Prudential terms and Conditions

Up to date terms and conditions between me and them

 

Also included are the current terms and conditions of a gentleman from southampton so they have broken data protection laws im guessing on this any help and advice on next stage

Page 4 Blank

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Hi Gaza

 

Your signature needs to be on the same page as the prescribed terms, Credit limit or reference to it, Interest rate expressed as an APR and repayment schedule.

 

Are you saying that they have forged your signature?

 

As far as the T&C's naming another individual, complaint to the ICO and maybe let the other chap know that his data has been sent to you.

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  • 3 weeks later...

Hi was wondering if anyone has a letter to send to egg as a response to a completely unenforceable agreement prescribed terms missing no default charges listed and various other cock ups mines even dated before i signed it and the handwriting for date where i signed it is not even my handwriting signiture is an old one of mine mind

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There are loads of individual letters around but I can only point you towards the template letters.

 

Letter 9

 

The Consumer Forums - Debt collectors

If you are asked to deal with any matter via private message, PLEASE report it.

Everything I say is opinion only. If you are unsure on any comment made, you should see a qualified solicitor

Please help CAG. Order this ebook. Now available on Amazon. Please click HERE

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Hi was wondering if anyone has a letter to send to egg as a response to a completely unenforceable agreement prescribed terms missing no default charges listed and various other cock ups mines even dated before i signed it and the handwriting for date where i signed it is not even my handwriting signiture is an old one of mine mind

You need to scan the agreement, minus your details and post here.

 

Who did it eventually come from, Egg?

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ok here is the agrement you will notice page one is the first page of aggrement with missing non prescribed terms.

 

page 2 is blank just deleted bit showing my details showing from other page

 

page 3 bit I signed however the date is not my hand writing I have never joined 00.

 

they have saved on paper by printing first page of orig terms and conditions on reverse this runs for several pages and i can post if these are useful to anyone I have 2 sets of current terms and conditions mine and a gentleman from southampton or portsmouth cant remember off top of head I am going to contact him to tell him.

 

http://i801.photobucket.com/albums/yy298/gazab_2009/eggagrement.jpg

 

http://i801.photobucket.com/albums/yy298/gazab_2009/eggpage2.jpg[/img]"]http://i801.photobucket.com/albums/yy298/gazab_2009/eggpage2.jpg

 

http://i801.photobucket.com/albums/yy298/gazab_2009/eggpage3.jpg[/img]"]http://i801.photobucket.com/albums/yy298/gazab_2009/eggpage3.jpg

 

http://i801.photobucket.com/albums/yy298/gazab_2009/eggpag4firstofseveralpagetermsandco.jpg[/img]"]:|http://i801.photobucket.com/albums/yy298/gazab_2009/eggpag4firstofseveralpagetermsandco.jpg

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ok here is the agrement you will notice page one is the first page of aggrement with missing non prescribed terms.

 

page 2 is blank just deleted bit showing my details showing from other page

 

page 3 bit I signed however the date is not my hand writing I have never joined 00.

 

they have saved on paper by printing first page of orig terms and conditions on reverse this runs for several pages and i can post if these are useful to anyone I have 2 sets of current terms and conditions mine and a gentleman from southampton or portsmouth cant remember off top of head I am going to contact him to tell him.

 

http://i801.photobucket.com/albums/yy298/gazab_2009/eggagrement.jpg

 

http://i801.photobucket.com/albums/yy298/gazab_2009/eggpage2.jpg[/img]"]http://i801.photobucket.com/albums/yy298/gazab_2009/eggpage2.jpg

 

http://i801.photobucket.com/albums/yy298/gazab_2009/eggpage3.jpg[/img]"]http://i801.photobucket.com/albums/yy298/gazab_2009/eggpage3.jpg

 

http://i801.photobucket.com/albums/yy298/gazab_2009/eggpag4firstofseveralpagetermsandco.jpg[/img]"]:|http://i801.photobucket.com/albums/yy298/gazab_2009/eggpag4firstofseveralpagetermsandco.jpg

Can only see the first page. The prescribed terms need to be on the same sheet as your signature. They have probably complied with s78 in the form the info is supplied, however they will need the original in court.

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  • 4 weeks later...

HI#

hid ids compleetely enforceable ,Make a deal with the creditor, just offer what you can afford if it goes to court the judge will just rubber stamp it but odds are the credior will just get what he can and settle out of court,

 

For information the prescribed terms do not have to be on the same page as the signature, in an agreement before 2005, even after that it would only be a breach of regulations not of the legislation and would not incur section127(3), so would be enforceable by order of the court and they would enforce because the amount of predudice would be 0

 

Peter

 

Peter

DO NOT PAY UPFRONT FEES TO COLD CALLERS PROMISING TO WRITE OFF YOUR DEBTS

DO NOT PAY UPFRONT FEES FOR COSTLY TELEPHONE CONSULTATIONS WITH SO CALLED "EXPERTS" THEY INVARIABLY ARE NOTHING OF THE SORT

BEWARE OF QUICK FIX DEBT SOLUTIONS, IF IT LOOKS LIKE IT IS TO GOOD TO BE TRUE IT INVARIABLY IS

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