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    • Thank you for that "read me", It's a lot to digest, lots of legal procedure. There was one thing that I was going to mention to you,  but in one of the conversations in that thread it was mentioned that there may be spies on the Forum,  this is something that I've read quite some time ago in a previous thread. What I had in mind was to wait for the thirty days after their reply to my CCA request and then send the unenforceable letter. I was hoping that an absence of signature could be the Silver Bullet but it seems that there are lot of layers to peel on this Onion.  
    • love the extra £1000 charge for confidentialy there BF   Also OP even if they don't offer OOC it doesn't mean your claim isn't good. I had 3 against EVRi that were heard over the last 3 weeks. They sent me emails asking me to discontinue as I wouldn't win. Went infront of a judge and won all 3.    Just remember the law is on your side. The judges will be aware of this.   Where you can its important to try to point out at the hearing the specific part of the contract they breached. I found this was very helpful and the Judge made reference to it when they gave their judgements and it seemed this was pretty important as once you have identified a specific breach the matter turns straight to liability. From there its a case of pointing out the unlawfullness of their insurance and then that should be it.
    • I know dx and thanks again for yours and others help. I was 99.999% certain last payment was over six years ago if not longer.  👍
    • Paragraph 23 – "standard industry practice" – put this in bold type. They are stupid to rely on this and we might as well carry on emphasising how stupid they are. I wonder why they could even have begun to think some kind of compelling argument – "the other boys do it so I do it as well…" Same with paragraph 26   Paragraph 45 – The Defendants have so far been unable to produce any judgements at any level which disagree with the three judgements…  …court, but I would respectfully request…   Just the few amendments above – and I think it's fine. I think you should stick to the format that you are using. This has been used lots of times and has even been applauded by judges for being meticulous and clear. You aren't a professional. Nobody is expecting professional standards and although it's important that you understand exactly what you are doing – you don't really want to come over to the judge that you have done this kind of thing before. As a litigant in person you get a certain licence/leeway from judges and that is helpful to you – especially if you are facing a professional advocate. The way this is laid out is far clearer than the mess that you will get from EVRi. Quite frankly they undermine their own credibility by trying to say that they should win simply because it is "standard industry practice". It wouldn't at all surprise me if EVRi make you a last moment offer of the entire value of your claim partly to avoid judgement and also partly to avoid the embarrassment of having this kind of rubbish exposed in court. If they do happen to do that, then you should make sure that they pay everything. If they suddenly make you an out-of-court offer and this means that they are worried that they are going to lose and so you must make sure that you get every penny – interest, costs – everything you claimed. Finally, if they do make you an out-of-court offer they will try to sign you up to a confidentiality agreement. The answer to that is absolutely – No. It's not part of the claim and if they want to settle then they settle the claim as it stands and don't try add anything on. If they want confidentiality then that will cost an extra £1000. If they don't like it then they can go do the other thing. Once you have made the amendments suggested above – it should be the final version. court,. I don't think we are going to make any more changes. Your next job good to make sure that you are completely familiar with it all. That you understand the arguments. Have you made a court familiarisation visit?
    • just type no need to keep hitting quote... as has already been said, they use their own criteria. if a person is not stated as linked to you on your file then no cant hurt you. not all creditors use every CRA provider, there are only 3 main credit file providers mind, the rest are just 3rd party data sharers. if you already have revolving credit on your file there is no need to apply for anything just 'because' you need to show you can handle money. if you have bank account(s) and a mortgage which you are servicing (paying) then nothing more can improve your score, despite what these 'scam' sites claiml  its all a CON!!  
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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.

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      OT APPROVED, 365MC637, FAROOQ, EVRi, 12.07.23 (BRENT) - J v4.pdf
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How can I get a CRA check from abroad?


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Here's the problem. Ten years ago I lived in UK with Natwestlink3.gif bank a/c. On leaving UK went to close a/c and cancel all DD & SO. Bank said fine but better to leave a/c dormant. Signed papers and left UK. 5 years later they tell me I'm overdrawn on same a/c. On checking I find they been paying a DD for years after cancelled so I lodge complaint which they deny. They say pay up or we will inform CRAlink3.gif. I say fine do what you like as I live abroad and CRA means nowt to me. Not heard anything since,(about a year). I will be returning to uk in a year or two and don't want a bad CRA file but to check it I need a UK address, is there anyway I can get the CRA file without a UK address. I don't have a UK address I can use. From what I can see there must be a UK address within the last 6 yearslink3.gif in order for them to start a file. Also I don't think any of the CRA's will send a file abroad. I believe Natwest use Equifax for credit referencing.

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I will be returning to uk in a year or two and don't want a bad CRA file but to check it I need a UK address, is there anyway I can get the CRA file without a UK address. I don't have a UK address I can use. From what I can see there must be a UK address within the last 6 yearslink3.gif in order for them to start a file. Also I don't think any of the CRA's will send a file abroad. I believe Natwest use Equifax for credit referencing.

 

 

You need a current UK address, one that can be verified as your home address either with electoral roll or by credit card, bank details, utilities...

 

It's not so much the address, they have to be 100% sure of your identity too or else they would be forever sending peoples details to Amsterdam, Nigeria etc, etc,

If you have an EU identity card or UK passport they might accept that as proof but you'd probably have to go to the Consulate to get it verified and it costs a pretty penny depending on where you are.

 

No harm in getting in touch and asking them how to go about it, but i suspect they will only send it within the UK to someone who can be 100% verified.

HOIST BY THEIR OWN PETARD.

 

Blimey it works....:-)

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Just a thought. Would there be a CRA file for some someone without a UK address.

 

Seems unlikely, but if you were previously UK resident there is such a thing as GAIN, (gone away information network), which keeps records of your last known whereabouts and I think that includes overseas too.

 

DCA's pay a subscription to use the service in an attempt to find people who have 'disappeared' - but all too often it's a bit pointless unless it's a sizeable debt, the person still has property in the UK, and/or a CCJ is still in force.

HOIST BY THEIR OWN PETARD.

 

Blimey it works....:-)

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Guest Mrs Hobbit

Only in the country where you reside, if these particular companies have extended their tentacles.

 

CRA's are everywhere, under different names. Equifax have gone global.

 

If you are overdrawn it will be failed DD charges added to the account. this is why they wanted it dormant. I would be starting the DPASAR procedure on Natwest NOW..just to see what is on the account and how the OD has occurred.

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The Od occurred because they paid the DD for several years and then realised I wasn't using the a/c. They admitted the a/c was dormant but still existed. Their excuse was I should have cancelled the DD with payee not just NW. I did cancel it with both parties but they say they want proof which I don't have. They said they'd take legal action but when I advised them they'd need a uk address to get a ccj they went quiet. I just think they are a law to themselves. My own view is there won't be a CRA file on me but once I return to the uk in a couple of years they'll start one up.

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Guest Mrs Hobbit

I cancelled with the bank only and had it annotated on my file I would hold them responsible if the DD appeared again. I never contacted the company concerned and cancelled the DD with them...this is with Natwest also.

 

of course they would say they wanted proof of this to cover their behinds. It took 18 months for Natwst to alter the bank account after the late Mr Hobbit passed away. they had three copies of his Death Certificate, so I would say the records are not fit for purpose. Oh I still get new Debit Cards for Mr Hobbit, so I have now taken to posting them to his burial site at sea...bet that causes problems for the Post Office...I have rung, written and been in to branch, so I wouldn't count on them trying to pull the proof of cancelling with the original creditor.

 

Write to their CEO at the registered office I bet they get cracking on this...

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