Jump to content


  • Tweets

  • Posts

    • Better version attached with the late appeal explained more clearly for the judge. This will sound silly, but I think it would be a good idea to e-mail it to the court and UKPC on Sunday.  It's probably me being daft, but Sunday is still March, and as it's late, sending it in March rather than April will make it sound like it was less late than it really is.  if you get my drift. You can still pop in a paper version on Tuesday if you want. E-mail address for the court: [email protected] And for UKPC: [email protected]   [email protected] Defendant WS.pdf
    • Update 15th March the eviction notice period expired, and I paid my next month rent along with sending them the message discussed above. After a short while they just emailed me back this dry phrase "Thank you for your email." In two weeks' time I'm gonna need to pay the rent again, and I have such a feeling that shortly after that date the contracts will be exchanged and all the payments will be made.  Now my main concern is, if possible, not to end up paying rent after I move out.  
    • they cant 'take away' anything, what ever makes you believe that?  dx  
    • The text on the N1SDT Claim Form 1.The claim is for breaching the terms and conditions set on private land. 2. The defendant's vehicle, NumberPlate, was identified in the Leeds Bradford Airport Roadways on the 28/07/2023 in breach of the advertised terms and conditions; namely Stopping in a zone where stopping is prohibited 3.At all material times the Defendant was the registered keeper and/or driver. 4. The terms and conditions upon  entering private land were clearly displayed at the entrance and in prominent locations 5. The sign was the offer and the act of entering private land was the acceptance of the offer hereby entering into a contract by conduct. 6.The signs specifically detail the terms and conditions and the consequences of failure to comply,  namely a parking charge notice will be issued, and the Defendant has failed to settle the outstanding liability. 7.The claimant seeks the recovery of the parking charge notice, contractual costs and interest.   This is what I am thinking of for the wording of my defence The Defendant contends that the particulars of claim are vague and are generic in nature which fails to comply with CPR 16.4. 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 denied. It is denied that the Defendant ever entered into a contract to breach any terms and conditions of the stated private land. 2. Paragraph 2 and 4 are denied. As held by the Upper Tax Tribunal in Vehicle Control Services Limited v HMRC [2012] UKUT 129 (TCC), any contract requires offer and acceptance. The Claimant was only contracted to provide car park management services and is not capable of entering into a contract with the Defendant on its own account, as the car park is owned by and the terms of entry set by the landowner. 3. It is admitted that Defendant is the recorded keeper of the vehicle. 4.  Paragraph 6 is denied the claimant has yet to evidence that their contract with the landowner supersedes  Leeds Bradford airport byelaws. Further it is denied that the Claimant’s signage is capable of creating a legally binding contract. 5. Paragraph 7 is denied, there are no contractual costs and interest cannot be accrued on a speculative charge.   I'm not sure whether point 4 is correct as I think this side road is not covered by byelaws? Any other suggestions/corrections would be appreciated.
    • Dear EVRi parcelnet LTD t/a evri   evri parcelnet isnt a thing also you say defendant's response which is a bit of a weird format.   Something like   Dear EVRi, Claim no xxxx In your defence you said you could not access tracking. Please see attached receipt and label Regards
  • Recommended Topics

  • Our picks

    • 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
      • 160 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
        • Like
  • Recommended Topics

Vanquis Bank CCA request


style="text-align: center;">  

Thread Locked

because no one has posted on it for the last 4680 days.

If you need to add something to this thread then

 

Please click the "Report " link

 

at the bottom of one of the posts.

 

If you want to post a new story then

Please

Start your own new thread

That way you will attract more attention to your story and get more visitors and more help 

 

Thanks

Recommended Posts

Hi all, I'm new here so please bear with me if I post something wrong. Fabulous site by the way!!

 

Anyway down to business:

 

Back in February of this year I did a CCA request on Vanquis. They sent me back a letter containing a copy of some statements and what they said was "a copy of the executed agreement being the Vanquis terms and conditions" and also "a copy of the latest notice of variation relating to agreement". Basically a photocopy of their terms and conditions, but didn't even mention my name, address or have my signature on it.

(For information purposes I opened the account in January 2007 and I think it was over the internet)

Since doing the CCA on them, I also managed to reclaim about £300 worth of charges. Since then they've clobbered me for a load more charges and jacked up the interest rate to above 54%.

I've not made any payments into the account since February as they didn't reply to my letter about ratejacking.

I've also received three or four letters from Impact collections (Vanquis in house collection team) offering me over 50% off my balance if I repay in full before certain dates. All of which I ignored as they didn't reply to any of my letters requesting them to cease all charges and interest on the account and to set up a repayment plan with them!!

Then back in June LCS solicitors (I think they're in house solicitors) sent a letter requesting payment in 14 days on behalf of 1st Credit. I ignored this as well.

A couple of days ago I received a letter from Creditlink Account Recovery Solutions C.A.R.S. I've just CCA'd them and told them I don't acknowledge a debt to them.

What should I do now? Send another letter to Vanquis stateing they have not fulfilled a CCA request.

Any suggestions would be gratefully appreciated. I'm more than willing to fight them all the way!!!

Link to post
Share on other sites

Who ever heard of someone getting a job at the Jobcentre? The unemployed are sent there as penance for their sins, not to help them find work!

 

 

Link to post
Share on other sites

Hi guys, I sent off the "in dispute" letter to C.A.R.S. on the 27th July. Just received a letter from them today saying they're going to send an agent round to the house "to establish a reason for non payment". Their letter is dated 28th July.

Is it worth sending them another letter or should I just ignore them. Would it be worth sending a copy of the trespass letter to them? Is it worth getting a video camera set up, just in case they do pop round. Any advice will be greatly received. I have no problem with calling the police round to remove them from my property.:D

Link to post
Share on other sites

Send them this:

 

http://www.consumerforums.com/resources/templates-library/86-debt-collectors/591-dca-home-visit-if-you-receive-or-are-threatened-with-a-doorstep-visit-

 

IF they turn up, which is doubtful, ask them to leave. If they don't then phone the police on 999

 

Plus what HS said - sorry HS, crossed posts :D

DCA's - they have the same power as an infinite number of untrained chimps working on a script for Hamlet, but the chimps would probably at least get it right :D

Link to post
Share on other sites

  • 2 weeks later...

Just got a letter from C.A.R.S today saying they have received my correspondence, but unfortunatley it contained insufficient information for them to resolve the matter. It also adds that they have decided to suspend proceedings against me for 7 days so that they can collate further information and that they require me to cantact one of their recovery specialists on a nice highly pricey 0844 number.

Any suggestions on the next course of action? Do nothing? Report them to the information commisioner? Any suggestions greatly received!!

Link to post
Share on other sites

Bloody plonkers....the letter you sent them was telling them the account was in dispute yes?

 

Well what other info do they need? Ignore them, irritating imbeciles, another outfit drawing wages under false pretemces.

Who ever heard of someone getting a job at the Jobcentre? The unemployed are sent there as penance for their sins, not to help them find work!

 

 

Link to post
Share on other sites

  • 9 months later...

Well almost nine months have passed and i've had peace and quiet! Untill last Saturday morning when a notice of assignment dropped through the door. Apparently they've sold the debt to Arrow global, who in turn have got wescot working for them. Now call me stupid but if the account is in dispute surely it's illegal to sell it and pass on information to a third party. Anyway i fired off the old account in dispute letter to Wetclothes a couple of days ago telling them to return it to Vanquis. Is that all I need do, or should i go and report Vanquis to the OFT, Information commisioner etc etc?

Link to post
Share on other sites

No No No! You MUST ALWAYS complain about DCA's to the OFT&TS, the FOS, BBC Watchdog your local MP and even the local press!

 

Any one you can think deserves to get the complaint also...

Who ever heard of someone getting a job at the Jobcentre? The unemployed are sent there as penance for their sins, not to help them find work!

 

 

Link to post
Share on other sites

Vanquis Wetcloths, they're all the same, miserable low life puerile tin pot outfits feeding off other peoples misery to live a deluded materialistic existence.....I'll check and see if I haven't got the Pope's address too!

Who ever heard of someone getting a job at the Jobcentre? The unemployed are sent there as penance for their sins, not to help them find work!

 

 

Link to post
Share on other sites

The Vatican,Vatican City, Rome, Italy.:madgrin::!:

Any Letters I Draft are N0T approved by CAG and no personal liability is accepted.

Please Consider making a donation to keep this site running!

Nemo Mortalium Omnibus Horis Sapit: Animo et Fide:

Link to post
Share on other sites

  • 3 weeks later...

Just to keep everyone updated, got a letter from Wetclothes the other day saying there client had sent them instructions to withdraw the account and that I would not be hearing from them again!

I think I might be up for a bit of peace and quiet at last.

Thanks everyone for your help in this matter:whoo:

Link to post
Share on other sites

Great, but please don't be shocked or worried if this crops up again these

banks etc. will shut up for a while then sell the debt to some other lowlife further down the food chain.

If it shows up just qoute what you have been told by Wetcloths, no proof no pay.:madgrin:

Any Letters I Draft are N0T approved by CAG and no personal liability is accepted.

Please Consider making a donation to keep this site running!

Nemo Mortalium Omnibus Horis Sapit: Animo et Fide:

Link to post
Share on other sites

  • Recently Browsing   0 Caggers

    • No registered users viewing this page.

  • Have we helped you ...?


×
×
  • Create New...