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    • Essex trading standards department have now given me a reference and are investigating this man/companies.
    • Good question. Rayner's CGT pales into insignificance really, doesn't it? 
    • Hi everyone,  out of the blue my husband yesterday received a call from the employee who lost the key the first time and asked to settle the bill plus court costs. Apparently the boss said that if he didn't pay he would be sacked. My husband asked for this in writing,  got it and payment followed. So we discontinued the claim and marked as settled. Apparently the employee who lost the keys the second time is paying for the other carpenter's bill plus court fees because he'd started court proceedings as well. So, all is solved. Thanks everyone!
    • With thanks. Updated defence.  The Defendant contends that the particulars of claim are vague and generic in nature. The Defendant accordingly sets out its case below and relies on CPR r 16.5 (3) in relation to any particular allegation to which a specific response has not been made. 1. Paragraph 1 is noted. I have in the past had financial dealings with Halifax PLC part of the Lloyds Group of Companies but do not recognise the specific account number referred to by Claimant and on which its claim relies. To enable clarification a sec78 request pursuant to the CCA1974 was made dated 11 May 2024. The Claimant provided various documents which appear to be incomplete with page numbers missing and incomplete Terms and Conditions. If this is a copy of the original agreement it appears to be unexecuted by the original creditor. 2. Paragraph 2 is noted. I do not recall receipt of a Default Notice which the Claimant refers to within its Particulars of Claim and on which its claim relies. A CPR 31.14 request was made dated 11 May 2024. To date the Claimant has not provided a copy. 3. Paragraph 3 is noted. Although I had not recalled a copy of the Notice of Assignment pursuant to the Law and Property Act 1925 Section 136(1) I requested a further copy from the claimant which has since been provided in response to the CPR 31.14 request dated 11 May 2024. 4. Paragraph 4 is noted. It is denied with regards to the Defendant owing any monies to the Claimant, and the Claimant is put to strict proof to: (a) Show how the Defendant has entered into an agreement. (b) Show the nature of the breach and evidence by way of a Default Notice Pursuant to s.87(1) of the Consumer Credit Act 1974. 5. As per Civil Procedure 16.5 it is expected that the Claimant prove the allegation that the money is owed. 6. By reason of the facts and matters set out above, it is denied that the Claimant is entitled to the relief claimed, or any relief.
    • "Testing the stability" ? I suspect the Tesla Map would have picked up that the car was being driven in a car park and the default safety settings required a shut down. Reassuring that Tesla have public safety built in, to try to stop drivers driving in a way that may be risky.
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      OT APPROVED, 365MC637, FAROOQ, EVRi, 12.07.23 (BRENT) - J v4.pdf
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When I was a kid.......


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When I was a kid, mum would send me to the shops with 50p.

I could get a Wham Bar, a bag of Pick 'n' Mix, a Comic Book,

cans of Fizzy Pop, a big Bag Of Crisps & a Gobstopper... AND

come home with loads of change.

 

You can't do that these days..............

 

And why?

 

 

 

 

 

Bloomin CCTV.....That's why:mad:

 

 

If all else fails, kick them where it hurts and SOD'EM;)

 

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I remember larger being 38p for a half.

20 x No.6 cigarettes where 36p

After a swim at the local pool you could get a hot chocolate from the vending machine for 5p

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I remember larger being 38p for a half.

20 x No.6 cigarettes where 36p

After a swim at the local pool you could get a hot chocolate from the vending machine for 5p

 

 

Lol did you mean lager? :D

Advice given is my opinion only, I am not a legal or financial expert (far from it).

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Lol at Sod'em...reminds me of a light fingered friend of mine from many, many years ago (way before CCTV). She used to go into the little sweet shop which was run from the back of the owners house, all the sweets were kept on trays according to price. She would ask to look at the 6d (sixpenny) tray which was kept in the next room as 6d was expensive! While the old lady fetched it, my friend would fill her pockets from the penny tray which was left on the counter. Sometimes she really did have a sixpence and would buy a coffee walnut whip.

Her exploits became known eventually and my Dad wouldn't let me play out with her again!

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Our local swimming pool had a machine which you could get unsuspecting people a cup of every flavour it had.... you turned a dial and if you were feeling evil the favourite mix was coke and chicken soup with extra milk and sugar....

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I dont know if its my hand that got bigger or waggon wheels that got smaller but I am sure they used to be mahoosive in comparison to the ones they sell now....and I remember mars bars being too sickly to eat a whole one!

 

Lol obviously its not just my hands that have got bigger! :eek:

Advice given is my opinion only, I am not a legal or financial expert (far from it).

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chips were 3 old pence fish cakes were 3 old pence

 

thats one and a half new penny to you childerbeasts

 

 

now wheres me teeth?

 

 

:eek:

 

What was that chippy called?

 

Flintstones Fish and Chips?:p

 

 

If all else fails, kick them where it hurts and SOD'EM;)

 

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What is this thread, CAG's nursing home?

 

*Bookie legs it before someone throws a zimmer frame at her*

 

 

:p

 

 

Run all you like.

 

 

These mobility scooters are pretty nippy nowadays:-D

 

 

If all else fails, kick them where it hurts and SOD'EM;)

 

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Lol isnt it funny how nostalgia has a very rose tinted lens, we dont seem to hark back to the three day week, power cuts, sunday closing, nothing on the telly, bad fashion (until it becomes retro and then its fasionable again) riots, union rule...it wasnt all wagonwheels and chips!

Advice given is my opinion only, I am not a legal or financial expert (far from it).

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I remember when I could go out with the guys and girls from work, have a fantastic night out, then a nice chicken kebab with loads of chili sauce, garlic mayo (but only if not pulled) ;) Taxi home, and still have enough left over from £70 to buy a newspaper the next morning.

 

It was only last weekend lol.

 

Facebook peeps who know me, check out the piccies in my photo album. :grin:

These are video links to show how I deal with Debt Collectors.

 

Fly fishing for C.A.R.S

http://uk.youtube.com/watch?v=zPtzK8FqE6k&feature=related

 

Frederickson International don't accept my card type

http://uk.youtube.com/watch?v=eiZBULlWW6Q&feature=related

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I remember in the 70's the breadman use to drive around ringing his bell and my mum would send me out to get a couple loaves of Sunblest. Then there was the Alpine popman aswell.

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I remember in the 70's the breadman use to drive around ringing his bell and my mum would send me out to get a couple loaves of Sunblest. Then there was the Alpine popman aswell.

 

The only bell we used to hear on the streets was that of the Candy Floss van. Better than ice cream.:D

 

They still come round now (once every blue moon).

 

 

If all else fails, kick them where it hurts and SOD'EM;)

 

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The beano use to be 40p. Oh i loved my beano day.

 

Also the sweets use to be worth the money you spend on them. I use to buy a wispa a flake and a twirl and still have change from £1. not a lot mind but it was still change. I am lucky if i dont get robbed now for a wispa they now cost 55p, with a twirl being 60p and a flake being 60p.

 

Oh and cereal use to taste a hell of a lot better and the shops always done your favorites.

OFT debt collection guidance

 

Please remember the only stupid question is the one you dont ask so dont worry about asking the stupid questions.

 

Essex girl in pc world looking 4 curtains 4 her pc,the assistant says u dont need curtains 4 a computer!!Essex girl says,''HELLOOO!! i,ve got WINDOWS!!'.

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