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    • Yeah I figured, unlikely I'll need credit anyway mortgage all paid off etc so I'll take that on the chin and learn from the experience. Probably would've beaten that too had I remembered the protocol, first time ever going through the process though sob it wasn't familiar to me  Oh well  
    • This is my slightly amended WS taking on board your previous comments, any suggestions for amendments would be most appreciated.  Thank you for you time.   1.        I am the Defendant in this matter. 2.        The facts in this statement come from my personal knowledge. 3.        I became aware of original Judgement following a routine credit check on or around 14th September 2020. 4.        The alleged Letter of Claim dated 7 January 2020 was served to a previous address which I moved out of in 2018, no effort was made to ascertain my correct address. 5.        The Judgement debt was not familiar to me so I began investigations to ascertain what the debt related to and how such a figure had been equated in any event. 6.        I made immediate contact with the Court, the Claimant Solicitors and the Claimants thereafter, asking them to provide me with a copy of the original loan agreement but this was not provided to me.  7.        I sent a Data Subject access Request to Barclays but no agreement was provided – See appendix 1 which details the timeline of communication between myself and Barclaycard as well as copies of correspondence between us. 8.        I do not admit to entering an agreement with Barclaycard in 2000. 9.       The claimant has failed to comply with the additional directions ordered by District Judge Davis and therefore this claim should be automatically struck out.  10.    The claimants have failed to disclose a true executed copy of the original agreement they refer to within the particulars of this claim. They are not entitled to enforce the agreement pursuant to section 78.6 (a) of the Credit Consumer Act 1974 12.   The reconstituted standard Barclaycard agreement that the claimant has included in the court bundle does not satisfy any CCA request and so the claimant is and remains in default of my CCA request and therefore unable to enforce the alleged agreement. 13.  The claimants have failed to provide proof the assignment, such as a deed of assignment. 14.  The claimant has failed to provide a statement of account setting out how the alleged debt accrued under that agreement 15.   Despite numerous requests to the claimant, I have still not seen any evidence, such as an original agreement or deed of assignment, that substantiates the claimant’s assertion that I owe the debt to the claimant, nor evidence of how the debt was accrued. 16.   As per CPR 1.4(2)(a) the court encourages parties to cooperate with each other in the conduct of proceedings in order to try and save time and costs for the parties and to also save the time and resources of the court however, despite vast attempts at mediation the claimants have been most unreasonable and have remained unwilling to mediate. 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.
    • A set aside application costs £275 which is more than the judgement so not worth it. Not that they would grant a set aside anyway.  Set asides are granted, for example, to people who moved and didn't get the court papers, so have a genuine reason for not defending.  Forgetting doesn't count. Your only choices are to pay up within 30 days, or defy the court and not pay.  If the latter, we've never seen a PPC enforce judgement for a single ticket, ever, you would get away without paying - but you would have a CCJ and a knackered credit file for six years.
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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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      OT APPROVED, 365MC637, FAROOQ, EVRi, 12.07.23 (BRENT) - J v4.pdf
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THE Election - Made your mind up yet ??


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OK this is an issue around only Theresa May. I personally think politicians don't live in the real world and need to try "real life" before they comment. Can we move from the homophobic issue? I'm sure there are bigots on both sides of the fence at any rate! There is plenty more to pick on from the ConDem's about I'm sure :p

 

One issue close to my heart is the "political reform" that the Lib Dems had put forward (and this seemed to be a key issue for the coalition)

 

So, here is what the coalition has put forward:-

 

 

Personally I don't think "Alternative vote" goes far enough, and I am disappointed (but not surprised!) at the Lib Dems for accepting this.

Check this link BBC News - Q&A: Electoral reform and proportional representation

Now if you compare "1st past the post" with "Alternative vote" you will see that it only benefits the lib dems (as they have positioned themselves at the middle of the road, and so they would be the party chosen by "compromise"). It lowers the Conservatives and the Labour Party. What the people really need is "Single Transferable Vote" or "proportional representation." That would give the voters who live in a "stronghold" and don't like the party with the "stronghold" a reason to vote!

 

OK enough from me on that one. Leave it for someone else to chew over :p

 

P.S. Alternative Vote is the one that labour was going to go for aswell, so looks like that is as far as we the voters were going to get :(

 

Of course, we could go for the famous 'Euro' system of voting which goes along the lines of:

 

1) This is how we want you to vote. If you vote the wrong way, we'll make you do it again until you get it right.

 

or

 

2) We promise the British people a vote.

3) Only kidding. Best just sign on the dotted line without consulting the British people because Britain can't be pushed around like Ireland.

Before you criticise another man you should first walk a mile in his shoes. Then, when you criticise him, you'll be a mile away and he won't have any shoes on.

 

Don't get me confused with somebody knowledgeable by all those green blobs. I got most of them by making people laugh.

 

I am not European, I am English.

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Well... we have been promised a referendum on the alternative vote! Lets make sure that goes ahead before commenting on the europe thing :p

 

As I've said before, I'm in a Labour stronghold and did not & will not vote for them as I feel the children in my area are let down. It's a constituancy full of former mining village so you can imagine the chances of a tory getting in here! So, should I even bother voting? Not under the current system!

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Thailand, I meant no disrespect to you or, anybody;

just voicing my opinion to which I am entitled.

As you are yours.

 

However, I maintain that 16 is too young to make the decision about being, gay and;

teenage boys could be putting their health at risk, risk of HIV etc.

 

Not going off topic, as I believe this matter has recently been discussed by MP's.

 

Incidentally, I used to work in the 'Art' associated industry, therefore in my every day life I encountered both homosexual and heterosexual people.

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Of course, we could go for the famous 'Euro' system of voting which goes along the lines of:

 

1) This is how we want you to vote. If you vote the wrong way, we'll make you do it again until you get it right.

 

or

 

2) We promise the British people a vote.

3) Only kidding. Best just sign on the dotted line without consulting the British people because Britain can't be pushed around like Ireland.

 

Oh yes, please can we move on Fred:)

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Thailand, I meant no disrespect to you or, anybody;

just voicing my opinion to which I am entitled.

As you are yours.

 

You most certainly are.

 

However, I maintain that 16 is too young to make the decision about being, gay and;

teenage boys could be putting their health at risk, risk of HIV etc.

 

OK, you'll never work out there is no decision. You also feel that HIV is contracted out of being gay. If only you knew how your are tapping on the fence of being out of order now.

 

Not going off topic, as I believe this matter has recently been discussed by MP's.

 

Link please, and whatever, yours or their assertions hold no water with me.

 

Incidentally, I used to work in the 'Art' associated industry, therefore in my every day life I encountered both homosexual and heterosexual people.

 

So??!! At no stage have I attempted to mock your rightful opinion, but good grief, how does that claim make one iota of difference? Especially in view of your latest mis-informed claims. :mad:

 

I feel I am now taking this further off topic, but my word, is it any wonder.

 

We should just agree to disagree.

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My best friend who died last year was gay. He had a mixture of straight and gay friends. We all got on very well together. Never even thought about it - we were all friends. We had a lot of giggles. Over 500 people attended his funeral. He was loved. No-one gave a flying f**k that he was gay. He had been thinking about adoption. Everyone would have supported him.

 

My boss in my longest job - many years - was gay, and so were his friends. Never even thought about it - apart from the funnies. :D Oh, I am a dizzy queen, he'd say frequently. His boyfriends wandered in and out of the office. I got on with all of them.

 

In my street there are three gay couples. I know two of them very well. We have a very friendly street. They are just everyone's neighbours, just like the rest of us. One couple have a child who is a credit to them.

 

None of them carry on like you do, Thailand. I'm sorry you have had such misery to deal with, but there are millions of gay people who are not suffering the same angst as you clearly are, and who aren't looking for a homophobic slant in everything other people say. If you aren't, I apologize, but it does come across like that.

 

No doubt you will now say that my friendships and experiences and therefore lack of homophobia have nothing to do with it, as you have said to AC.

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Well... we have been promised a referendum on the alternative vote! Lets make sure that goes ahead before commenting on the europe thing :p

 

Well Brown's gone so it will happen - the others won't be that dishonourable.

Before you criticise another man you should first walk a mile in his shoes. Then, when you criticise him, you'll be a mile away and he won't have any shoes on.

 

Don't get me confused with somebody knowledgeable by all those green blobs. I got most of them by making people laugh.

 

I am not European, I am English.

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by Thailand:

...You also feel that HIV is contracted out of being gay."

 

No, of course not!

but the added rsik is there for teenage boys/young men, as well as other diseases. (perhaps HPV also?)!

 

I note that, Dr. Julian Lewis MP has been ticked off by his comments on the matter by DC; not politically correct, perhaps for the Tory Party?

 

To be honest, anything that I say further on this matter will get me into deep water...

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My best friend who died last year was gay. He had a mixture of straight and gay friends. We all got on very well together. Never even thought about it - we were all friends. We had a lot of giggles. Over 500 people attended his funeral. He was loved. No-one gave a flying f**k that he was gay. He had been thinking about adoption. Everyone would have supported him.

 

My boss in my longest job - many years - was gay, and so were his friends. Never even thought about it - apart from the funnies. :D Oh, I am a dizzy queen, he'd say frequently. His boyfriends wandered in and out of the office. I got on with all of them.

 

In my street there are three gay couples. I know two of them very well. We have a very friendly street. They are just everyone's neighbours, just like the rest of us. One couple have a child who is a credit to them.

 

None of them carry on like you do, Thailand. I'm sorry you have had such misery to deal with, but there are millions of gay people who are not suffering the same angst as you clearly are, and who aren't looking for a homophobic slant in everything other people say. If you aren't, I apologize, but it does come across like that.

 

No doubt you will now say that my friendships and experiences and therefore lack of homophobia have nothing to do with it, as you have said to AC.

 

Agree DD!

 

Not sure what ALL the fuss is about?

Looks like I have upset some?

Not intentional:(

 

For my part, I was just trying to speak up for the "women" whose lives have been torn apart by cancer.

 

If my word's upset anyone, I am sorry!

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My best friend who died last year was gay. He had a mixture of straight and gay friends. We all got on very well together. Never even thought about it - we were all friends. We had a lot of giggles. Over 500 people attended his funeral. He was loved. No-one gave a flying f**k that he was gay. He had been thinking about adoption. Everyone would have supported him.

 

My boss in my longest job - many years - was gay, and so were his friends. Never even thought about it - apart from the funnies. :D Oh, I am a dizzy queen, he'd say frequently. His boyfriends wandered in and out of the office. I got on with all of them.

 

In my street there are three gay couples. I know two of them very well. We have a very friendly street. They are just everyone's neighbours, just like the rest of us. One couple have a child who is a credit to them.

 

None of them carry on like you do, Thailand. I'm sorry you have had such misery to deal with, but there are millions of gay people who are not suffering the same angst as you clearly are, and who aren't looking for a homophobic slant in everything other people say. If you aren't, I apologize, but it does come across like that.

 

No doubt you will now say that my friendships and experiences and therefore lack of homophobia have nothing to do with it, as you have said to AC.

 

That's the thing, isn't it. You have me defined - yet are a million miles away! No offence, but you are indeed off on one. ;) It's just what you see. You think I'm on some sort of mission, which, I might add, I half don't blame you since you know how anti-catholic I am. BUT, no - your wrong, DD. Don't judge my 'angst' honey, I just don't like comments such as 'I think NOT' and thoughts of HIV (which are always aimed at gays no matter what excuse comes up)

 

I am sorry about my 'misery' but I think you confuse my frustration with what has been said.

 

Such a lovely story though. :)

 

Still, 'None of them carry on like me' WOW. Here was I thinking I was just defending 'orrible misgivings about HIV which won't be deleted?

 

You don't know me at all, and nor do I know you, so lets stick to the facts of what have ben said. Maybe you should read AC's posts again, but, I fear it is lost on you.

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Oh Dear,

 

Off to my bed, fed up with all of this!

 

That is the trouble often with the written word; misconstrued meaning's...

 

Speak to someone, face to face;

debate and then just maybe, one can put one's true thoughts across?

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The only way forward is a Referendum!

 

Something that was denied to us re: The Lisbon Treaty?

 

 

 

There's a bar in our town centre called The Lisbon, very popular with the gay community:p

 

 

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

 

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Sexuality is not a life choice, you cannot choose to be gay, straight, ?, bi etc. The sooner we all recognise that the better.

 

In my opinion there should be parity between the age of consent, if it is lawful for straight teenagers at 16 then it should be for gay, ? and bi teenagers.

 

Hiv is an issue for people of all sexualities as is any other sexually transmitted disease.

 

The allocation of resources for IVF treatment should be decided on fairness and not dependant on the decision maker's religious beliefs, sexuality or moral standpoint.

 

Just thought I would throw my two penneth in.

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

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Sexuality is not a life choice, you cannot choose to be gay, straight, ?, bi etc. The sooner we all recognise that the better.

 

In my opinion there should be parity between the age of consent, if it is lawful for straight teenagers at 16 then it should be for gay, ? and bi teenagers.

 

Hiv is an issue for people of all sexualities as is any other sexually transmitted disease.

 

The allocation of resources for IVF treatment should be decided on fairness and not dependant on the decision maker's religious beliefs, sexuality or moral standpoint.

 

Just thought I would throw my two penneth in.

 

Thank you. You managed to say concisely what I was trying to say.

 

Btw AC, I assume '? or homosexual' was a mistake.

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THE Election - Made your mind up yet ??

 

 

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There's a title that only tells 1/2 the story... :rolleyes:

"But while the parties have pledged to make a "substantial increase" to the personal allowance from April 2011, they are not expected to raise it to £10,000 in one go"

"Tax experts are predicting VAT will be increased in the emergency Budget, probably from 17.5% to 20%"

 

Oh, and while we're at it:

 

March 24, Osborne says: "Labour's NI increase is a tax rise on working people."

 

Now: Coalition statement reveals no reverse in 1% National Insurance rates rise for workers.

 

Hmmm... I think their spin doctors are doing quite enough with the propaganda, AC, no need to repeat it, I'd suggest checking the facts behind the spin, or you'll end up with no more credibility than them. ;-)

 

 

Edit: Forgot to add that retirement age is planned to be increased to 66, though not straight away. Thank you, that hits my husband just right, he'll have to work longer than planned! :mad:

Edited by Bookworm
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There's a title that only tells 1/2 the story... :rolleyes:

"But while the parties have pledged to make a "substantial increase" to the personal allowance from April 2011, they are not expected to raise it to £10,000 in one go"

"Tax experts are predicting VAT will be increased in the emergency Budget, probably from 17.5% to 20%"

 

Oh, and while we're at it:

 

March 24, Osborne says: "Labour's NI increase is a tax rise on working people."

 

Now: Coalition statement reveals no reverse in 1% National Insurance rates rise for workers.

 

Hmmm... I think their spin doctors are doing quite enough with the propaganda, AC, no need to repeat it, I'd suggest checking the facts behind the spin, or you'll end up with no more credibility than them. ;-)

 

 

Edit: Forgot to add that retirement age is planned to be increased to 66, though not straight away. Thank you, that hits my husband just right, he'll have to work longer than planned! :mad:

 

Well the new government has a bit of a mess to sort out that it didn't create. You can blame it on who you like but you can't blame it on the Lib Dems or the Conservatives. It has to be sorted out and we all knew that whoever got in, taxes would have to rise.

Edited by Fred Bassett

Before you criticise another man you should first walk a mile in his shoes. Then, when you criticise him, you'll be a mile away and he won't have any shoes on.

 

Don't get me confused with somebody knowledgeable by all those green blobs. I got most of them by making people laugh.

 

I am not European, I am English.

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by Booky:

" AC, no need to repeat it, I'd suggest checking the facts behind the spin, or you'll end up with no more credibility than them."

 

Err?

 

I simply came across the article on AOL and thought it of interest to members.

Nothing more, nothing less!

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by Booky:

" AC, no need to repeat it, I'd suggest checking the facts behind the spin, or you'll end up with no more credibility than them."

 

Err?

 

I simply came across the article on AOL and thought it of interest to members.

Nothing more, nothing less!

 

!!!:)

Before you criticise another man you should first walk a mile in his shoes. Then, when you criticise him, you'll be a mile away and he won't have any shoes on.

 

Don't get me confused with somebody knowledgeable by all those green blobs. I got most of them by making people laugh.

 

I am not European, I am English.

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