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    • Hi, I need advice please, Back in November 2018 we parked at The Southgate McDonald’s/Starbucks car park at Stansted before getting our flight.I parked at Starbucks to walk to McDonald’s. I have received letters over the years and have never acknowledged any of them . I now have a CCJ against me as I didn’t think that it was real so never answered My latest letter from dcbl is a notice of debt recovery unpaid county court judgment of £347.92.I know I should have completed the CCJ.Is there anything that I can do now or should I just pay it.Thank you bingoboy
    • Hi BankFodder, Stu007 This is correct BankFodder. Thanks for all the info Stu007, very interesting reading Regards
    • Seems as if Germany has their own version of Boris🤣   ”I know that some of you are impatient with my posts about German politics, and particularly my repeated pieces on our retarded Health Minister. I get that this can seem like inside baseball, and that all of you suffer under the very similar idiocies of your own Covid politicians. But, I just can’t help myself. Lauterbach is a special case, a truly monumental idiot who in his boundless incompetence and stupidity vastly exceeds his peers. It is my aim to make him the international symbol of pandemic derangement. I want pictures of this human incarnation of everything that is wrong with masking children and force-vaccinating millions printed next to future dictionary entries on Covidianism. We have seen the enemy, and it is this sad, stupid, Smeagol-looking loser, who thinks Eric Feigl-Ding is an authority and that clip-on bowties are fashionable.”     German Media Realise Their Health Minister is an International Laughingstock – The Daily Sceptic DAILYSCEPTIC.ORG The German media are waking up to the fact that their mask-loving Health Minister Karl Lauterbach is an international...
    • Guardian readers on here  trying to ignore this 🤣🤣🤣   “Was it my imagination, on Tuesday morning, that there were more than the usual number of possible Guardian readers looking down in the mouth? I don't think so. A few of them, with that hard-to-define but easy-to-recognise look of Guardianistas, appeared unusually pensive. Had some momentous event occurred that had made them question their prejudices? Later in the morning, I stumbled on a possible cause. There was an article prominently displayed in the Guardian print edition and on its website under the byline of the paper's Economics Editor, Larry Elliott. Its headline ran: 'I've got news for those who say Brexit is a disaster: It isn't. That's why rejoining is just a pipe dream.'”   STEPHEN GLOVER: Why won't the Tories trumpet the successes of Brexit when even the economics editor of the Guardian hails its benefits? | Daily Mail Online WWW.DAILYMAIL.CO.UK STEPHEN GLOVER: The headline of Larry Elliott's Guardian article ran: 'I've got news for those who say Brexit is a disaster: It...  
    • So I ask you –"when did you first have sight of this policy containing this exclusion?" And you answer – "when I brought the policy" And then I ask you – "what is the value of the damage your caravan has sustained" and you answer that it is probably a complete write-off    
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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.
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      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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Lloyds TSB CCA agreement not signed by bank


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More advice would be appretiated!

I have a reply to my CCA from Lloyds TSB, they have sent a copy of my credit card agreement, all looks to be enforceable, apart from the signature area, the bank have not signed or dated it.

Should this be signed to be enforceable?

Many Thanks

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More advice would be appretiated!

I have a reply to my CCA from Lloyds TSB, they have sent a copy of my credit card agreement, all looks to be enforceable, apart from the signature area, the bank have not signed or dated it.

Should this be signed to be enforceable?

Many Thanks

 

in truth it should be signed but in reality their missing sig will not make a difference.

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When was the account opened if it was after march 2006 then signature not required to make it enforceable. even if pre 2006 not having signature wont help you much

I have no legal training, any knowledge I have has come from this forum, and my own experiences. Always balance up any advice you get with your own common sense.

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Thanks for the help. The account was opened in January 2006.

My reason for asking, was the wording in the letter they sent with the agreement:_

Copy of your executed agreement

the reference in 1) above, as in section 78 itself, is to the requirement to provide a copy of the executed agreement. The actual executed agreement is the document which has been signed by or on behalf of both parties - in other words, the original signed agreement ( see section 189(1))

Does it not need to be signed to be executed currectly? I know I am grasping at straws!!!!!!!!!!!

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