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    • Hi, If they haven't followed the court's directions there will be little tolerance of the court. Anyway please can you upload a copy of the court paperwork
    • Yes, you should have applied for an immediate strike out as soon as the deadline expired. Without the agreement, they are stuffed Forget Barclaycard, Asset link is now the creditor, and it is down to them to provide the agreement.  That needs to go into the witness statement. They have not provided the agreement contrary to directions of the court and request the court strike out the claim as to the original court directions.
    • I did not receive a notice via post but in my claim status it shows my claim was transferred to a court I requested in my DQ, as it is closer to me.    Defense I filed:  1.       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. 2.       The defendant paid the lead tenant a fixed sum monthly bill without fail for the extent of the rental period of the accommodation their contract was associated with who was responsible to make payments to the claimant, ending in June 2023. 3.       After moving out, a month later, the claimant wrote to state that an outstanding sum existed. Further stating, as one of the 10 tenants at the time, I now owed them the full sum instead of my 1/10 proportion of said debt, as 10 students were at the dwelling. They also intimated that they were legally allowed to charge me the full sum if the other renters were not to pay their share under some equal and joint severity rule. 4.       Despite sending numerous requests prior to the court claim being raised for copies of said bills for said utilities covered by the agreement, the claimant failed to send any clear bills. This included a CPR 31.14 on xx/xx/xxxx sent via post. 5.       The defendants stress that they acted in good faith to settle the outstanding balance, as evidenced by the confirmation received from the claimant.  Any subsequent demands for additional payments are unwarranted and contradict the claimant's previous acknowledgment of settlement. 6.       Pursuant to OFGEM code of back billing rules the alleged charges relate to charges which have not been billed correctly by Co-operative Energy and are therefore prevented from charging. With the court’s permission the Claimant is put to strict proof to: - a) show and disclose how the Defendant has entered into an agreement. b) show and disclose how the Claimant has reached the amount claimed. c) show how the Claimant has the legal right, either under statute or equity to issue a claim. 7.As per Civil Procedure Rule 16.5 (4) it is expected that the Claimant prove the allegation                  that the money is owed. 8.It is therefore denied that the defendant is indebted to the claimant as alleged or at all.
    • Paint is a free programme on any Windows PC. But don't worry, the choice here is not either perfection or nothing. As you say, use your scanner, save the file ... and then use the "choose files" option when you post to CAG to add the file. We can do all the redacting and converting to the correct file type at this end.  The important thing is just to get the info to us. Why not do an experiment this afternoon and see if the above works?  
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    • If you are buying a used car – you need to read this survival guide.
      • 1 reply
    • Hello,

      On 15/1/24 booked appointment with Big Motoring World (BMW) to view a mini on 17/1/24 at 8pm at their Enfield dealership.  

      Car was dirty and test drive was two circuits of roundabout on entry to the showroom.  Was p/x my car and rushed by sales exec and a manager into buying the mini and a 3yr warranty that night, sale all wrapped up by 10pm.  They strongly advised me taking warranty out on car that age (2017) and confirmed it was honoured at over 500 UK registered garages.

      The next day, 18/1/24 noticed amber engine warning light on dashboard , immediately phoned BMW aftercare team to ask for it to be investigated asap at nearest garage to me. After 15 mins on hold was told only their 5 service centres across the UK can deal with car issues with earliest date for inspection in March ! Said I’m not happy with that given what sales team advised or driving car. Told an amber warning light only advisory so to drive with caution and call back when light goes red.

      I’m not happy to do this, drive the car or with the after care experience (a sign of further stresses to come) so want a refund and to return the car asap.

      Please can you advise what I need to do today to get this done. 
       

      Many thanks 
      • 81 replies
    • Housing Association property flooding. https://www.consumeractiongroup.co.uk/topic/438641-housing-association-property-flooding/&do=findComment&comment=5124299
      • 161 replies
    • 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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NO worries loans


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If you don't get any sense from them contact BACS

Contact Bacs via the Helpline number: 0870 049 2717 (please note that this is a national rate number and calls will be charged at standard operator tariffs, the Helpline is available 9.30am to 5pm, Monday to Friday, excluding Bank Holidays). Before calling, please ensure that you have all the relevant details at hand, including your bank account details and full dates and details of all communications with the bank and company with whom the Direct Debit was raised. We will then investigate on your behalf, via internal banking channels, responding to you within 48 hours.
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Your bank or building society is key to resolving any Direct Debit issue. As part of the Direct Debit scheme they are bound by the Direct Debit Guarantee. Under the Guarantee it is up to them to resolve any issues that you have over a Direct Debit and also to repay any money owed to you as a result of a Direct Debit problem.
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The Loan Centre Ltd according to this;

Company Name: THE LOAN CENTRE LIMITED

 

Print Report

 

 

Previous Name(s): NO PREVIOUS NAME HAS BEEN RECORDED DURING THE LAST 20 YEARS

 

Registered Number: 05735381

 

Registered Office: 39 WINTERBOURNE ROAD, HAYDON END

SWINDON

WILTSHIRE

SN25 1PZ

 

Incorporation Date: 08/03/2006

 

Country Of Origin: United Kingdom

Company Type: Private Limited Company

 

Accounting Reference Date: 31/03

Last Accounts Made Up To: 31/03/2009

Next Accounts Due: 31/12/2010

 

Last Annual Return: 08/03/2010

Next Annual Return Due: 05/04/2011

 

Company Status: Active

Type of Accounts: DORMANT Accounts

 

Nature Of Business: 6523 - Other financial intermediation

 

 

Filing History

 

 

06/04/2010 08/03/10 FULL LIST

06/04/10 STATEMENT OF CAPITAL;GBP 100

06/04/2010 APPOINTMENT TERMINATED, SECRETARY EVA ROGNER

06/04/2010 DIRECTOR'S CHANGE OF PARTICULARS / MAUD MARIE ELISABETH HARTWELL / 02/10/2009

30/01/2010 ACCOUNTS OF DORMANT COMPANY MADE UP TO 31/03/09

12/03/2009 RETURN MADE UP TO 08/03/09; FULL LIST OF MEMBERS

26/01/2009 ACCOUNTS OF DORMANT COMPANY MADE UP TO 31/03/08

16/04/2008 RETURN MADE UP TO 08/03/08; FULL LIST OF MEMBERS

13/09/2007 REGISTERED OFFICE CHANGED ON 13/09/07 FROM:

G OFFICE CHANGED 13/09/07

THE SOUTHWEST BUSINESS CENTRE

LTD QUEENS GATE HOUSE

48 QUEEN STREET EXETER

DEVON EX4 3SR

11/09/2007 RETURN MADE UP TO 08/03/07; FULL LIST OF MEMBERS

11/09/2007 DIRECTOR'S PARTICULARS CHANGED

02/06/2007 ACCOUNTS OF DORMANT COMPANY MADE UP TO 31/03/07

02/06/2007 REGISTERED OFFICE CHANGED ON 02/06/07 FROM:

G OFFICE CHANGED 02/06/07

14 EVEGATE BUSINESS CENTRE

STATION ROAD

SMEETH, ASHFORD

KENT TN25 6SX

08/03/2006 INCORPORATION DOCUMENTS

CERTIFICATE OF INCORPORATION

STATEMENT OF DIRECTORS & REGISTERED OFFICE

DECLARATION OF COMPLIANCE

MEMORANDUM OF ASSOCIATION

ARTICLES OF ASSOCIATION

 

 

Mortgage Data

NONE

 

 

 

 

Report Generated 01/06/2010

Have you been in touch with FOS yet?
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