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    • Thanks @lolerz. I've attached it to the post. What do you think? What's the organ grinder? NTK.pdf
    • I'm afraid that if the value of the item was under declared then that is probably the best that you can hope for. Also, because the item was incorrectly addressed – even by a single letter, if that because the issue relating to the delivery then that has probably compounded the problem. There is probably very little that can be done. If you are lucky you will get the item back and then you can start again and declare it properly. Undervaluing parcels which are sent by any means is always going to cause a problem if the item is lost or damaged. It may mean that the cost of delivery is slightly less – but at the end of the day the risk becomes yours. When you enter into any kind of contract, effectively you declare it a level of risk to your contracting partner – and they decide to enter into the contract with you based on that level of risk. You have declared a level of risk and £50 – and that's the deal.   Additionally, undervaluing an item which is an internationally has the effect also of evading customs and any VAT system which is in force in that country – and that makes the whole thing a little bit more serious
    • Perfect. Nice and brief and to the point. You don't bother to start telling your life story. Just the way it should be. Send it off. You have probably done enough reading to understand that it won't make any difference don't start drafting your particulars of claim. Open an account with the MoneyClaim County Court system and start preparing. Post your particulars of claim here before you click it off. You may have noticed that at some point you will be asked if you want to go to mediation on this. We used to advise it but now we recommend that you decline mediation and go to trial. Your chances of success are much better than 95%. Going to trial will incur an additional hearing fee but of course you will get that back. However if you go to mediation, they will simply try to penny pinch and to get you to compromise and also they will sign you up to a confidentiality agreement and probably threaten you if you breach it. Not only that, if the mediation fails because you stand your ground, it will add additional delay while they then give you a date to go to trial. The best thing to do is to decline mediation – prepare for court hearing. Pay the extra fee. The chances are that rather than get a judgement against them they will then offer you a full settlement rather than go to court. If they do offer you full settlement then you will be obliged to accept it – but that's what you want. If they don't offer you full settlement then you will go to trial and there will be a judgement against them. Just so that you understand, our first interest is that you get your money back – but a close second is that it does go to trial and there is a judgement which we will then be able to use to help other people. Anyway as you should realise, we will help you all the way.
    • I sent a parcel to Singapore but i spelt the address incorrecltly by 1 letter so the parcel couldnt be delivered and was returned back to the Uk but checking the tracking today the parcel had returned to the UK but is somehow on its way back to Singapore as the tracking says "Item leaving the UK"    Ive spoken ( tweeted) Royal Mail help who confirm that the parcel seems to be going back to Singapore and that if its not " Delivered" by the 29th of April theyll deem it as lost and will accept a claim but i cant remeber when booking what the compensation amount was but i dont think it covers the amount of the item.  As it was my fault that it wasnt delivered in the first place can i trey and claim the full amount back ? i think if i remember correctly it was £50 compensation but the item was £170 So the timeline is thus ...   22nd Of March .    Booked via P2G & dropped off a Post Office.  25th March arrives in Singapore and goes through customs ect ect 26th   Incorrect address and item is flagged as "return to sender" 28th Item leaves Overseas intenational processing centre 15th of April , Item is leaving the Uk (Again)   ?    
    • Post the NTK up here for the regulars to double-check. I highly doubt it's compliant with POFA though. Ignore the deforestation that comes unless it's ever a letter of claim. Any luck with the organ grinder?
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Abbey loan CCJ T&C - Help please


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I have a debt with Abbey National going back 10 years. I have asked for a copy of my credit agreement at the time it was with Equidebt back in 2007. There was no T&C with the mocrofiche sent and I disputed. The debt has since been sold, without my query being resolved, and I am being taken to court. The Sols for the DCA have provided a copy of the agreement and T&C - but the T&C refer to Santander??? Why, when I was supposed to have taken a loan with Abbey National -- there was no Santander. The microfiched loan page seems ok, the signature appears to be mine, but the personal details regarding date of occupancy of the property etc are not correct. Funny considering that I was an employee of ANBC. I would not have signed anything that was factually incorrect.

 

How do I respond to Court hearing. I don't want a CCJangry-smiley-030.gif

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Hi BW,

 

You say you're being taken to court. What stage are the proceedings at.

 

Have you acknowledged the claim .

 

By what date must you file your defence.

 

Have you sent CPR 31.14 or CPR 18 letters to the bank's sol'rs. Read about this in the Stickies at the top of this forum.

 

Re the discrepancy you mention about the date of occupancy being incorrect, does it show the wrong property, wrong dates for previous address, or what ?

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Hi there

 

Received summons dated 11 May on 13 May. Particulars of claim state the claimant is the assignee of a debt from Abbey National PLC. Loan number xxxxxx. Notice of assignment having been given to defendant in writing. Despite demand for payment £xxxx remains due. The claimant claims £xxxx and interest under s69 County Courts Act 1984 and costs.

 

I have not yet responded because I don't know what to do.

 

The copy of the 'loan agreement' states that I had lived in my property for 3y 0m. In fact I had been living there for 10y 1m back in October 2000.

 

The first copy of the agreement I received via Equidebt on behalf of Abbey National was just one page of 7 without any T&C's. I disputed and the debt was sold by Abbey to Cabot.

 

Cabot have come up with the same one page copy of the agreement but the T&C's they attached have Santander named on them.

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Hi BW,

 

You need to acknowledge the claim within the time shown on the claim form. You can then set about putting your defence together, and getting info from the claimant which you require to defend.

 

Can you post a copy of the loan agreement they sent you. Hide your name, address and other personal data. See here for guidance on how to do this - http://www.consumeractiongroup.co.uk/forum/welcome-consumer-forums/107001-how-do-i-dummies.html

 

Also see here about using CPR31.14 to respond specifically to their Particulars of Claim - http://www.consumeractiongroup.co.uk/forum/legal-issues/159445-getting-them-reveal-their.html

 

See here about requesting info using CPR18 - http://www.consumeractiongroup.co.uk/forum/legal-issues/108467-basic-introduction-consumer-credit.html#post1048109

Edited by slick132
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Hello slick132

 

Thank you for the information. I will scan and attach this evening. When I got a letter re recovery from Cabot's sols I sent them the letter stating whilst my CCA Request remains in default (outstanding), enforcement action is not permitted in line with s.127(3) of the CCA1974. etc....This was done on 1st April. I then received the Summons dated 11 May. I have now received a letter from Cabot dated 14 May, after the summons was issued, stating that my letter to their sols was forwarded to them on 12 April and they have asked Abbey to investigate my concerns. Why issue a summons when there is an outstanding query? Can they do this?

 

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  • 4 months later...

I have posted 3 sets of attachments.

 

email 1 is a copy of the allocation questionaire

 

email 2 is a very long letter in response to my letter asking for agreement, assignment, default and termination under CPRPD16 7.3 and CPR31. Can anyone help as I don't have a clue what they are on about. The T&C's are not the original that would have been issued with the agreement. If you look at the agreement where it asks is existing credit being settled it refers to clause 7 overleaf. Clause 7 of the T&Cs refers to PPI - section 6 refers to early settlement of existing credit.

 

Email 3 is some excerts from the Assignment document 95% of which has been blanked out. For some reason it did not upload properly.

 

I really need some help with these solicitors. Court Hearing early November. Do you think I need a solicitor or can I get some good advice from others on this forum?

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This guide should help you post the doc'ts so we can see them.

 

http://www.consumeractiongroup.co.uk/forum/welcome-consumer-forums/107001-how-do-i-dummies.html

 

8-)

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