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    • Hi HB,  I have been using it - freedom pass for a long time, this is why i am worried, my memory fails me!  there is no way of checking on the freedom pass usage according my partner.  see my question on your comments: Paragraph 1 a short explanation of why you used the card on the day you were caught worry: as i said i have no excuse other than to save some money  Paragraph 2 you know you made a mistake and you regret it worry: yes i will admit that it is my fault and apologise profusely - will see other template Paragraph 3 you understand how what you did is wrong and the effect it has on TfL worry: yes will do, borrowing words from other template Paragraph 4 you have taken action - tell them what - to ensure that this doesn't happen again worry: i have an oyster PAYG which i use for my journey in to work -ranging 2-3 days a week;  so i can't say that i will buy a season ticket which is more expensive?? Paragraph 5 you ask if they would allow you to pay the outstanding fare and their administrative costs to resolve this worry: i will do that. QuestIon: will they inform my employer?     
    • So they seem to be deliberately fouling Britain - not 'just negligently Need to be in jail alongside the PO crims, and rabidly corrupt MPs
    • Well, we know it seems that the poops and others just use there MP position mainly to generate funds from their 'outside' lol interests Lets hope labor BAN second jobs for Mps - all second jobs - then create a truly independent expenses 'police' with real powers Tip of the iceberg: "A cohort of Conservative MPs standing down before the next election have netted jobs worth millions of pounds and have taken dozens of all-expenses-paid trips funded by foreign governments and lobbyists, the Observer can reveal." so far - "top of the list was former justice secretary Brandon Lewis, who has taken on five new part-time roles worth £410,000 a year alongside his commitments as an MP.   Outgoing Tory MPs take lucrative second jobs and ‘swan off on jollies’ | Conservatives | The Guardian WWW.THEGUARDIAN.COM Sixty four Tories and four independent MPs who lost party whip plan to stand down from the Commons amid dire polling for Conservatives  
    • The first thing you need to do is for your father to send Argos customer services an email saying he wishes to return the item within the 14 day cooling-off period under the Consumer Rights Act 2015. This is important because he needs simple proof to back up his request, as they are being stubborn. Enclose a copy of receipt details so they can locate the sale, Distant selling regulations will apply as he made the contract online with the retailer and they took the payment. The contract is between your father and ARGOS. He has to cancel the contract and receive a refund back to his debit card. You cannot act on his behalf (Privity) as a third party and they have every right to refuse to deal with you if they so wish. Data Protection the number one issue. How you received the goods is irrelevant. A retailer's terms and conditions cannot derogate statutory obligation.
    • TfL take abuse of staff passes very seriously. If the pass has been confiscated I imagine they will write to them and it could result in the card being suspended for a time, as I understand it. I hope you've told them about the card being confiscated and why? We need to know how many times you used the pass please - how many weeks at 2-3 days a week. Later I would expect TfL to write to you as well, possibly with a schedule of journeys made with the card, to ask you to tell them which journeys were you. They will ask for your side of the story. We can help you to refine a letter to send once they write but you need to start it off because you're the only one who knows the full story. I suggest something like this. Paragraph 1 a short explanation of why you used the card on the day you were caught Paragraph 2 you know you made a mistake and you regret it Paragraph 3 you understand how what you did is wrong and the effect it has on TfL Paragraph 4 you have taken action - tell them what - to ensure that this doesn't happen again Paragraph 5 you ask if they would allow you to pay the outstanding fare and their administrative costs to resolve this Please don't copy and paste what I've said, use your own words. HB NB This is a suggested reply, don't send it before they write to you because we need to see what they say.
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      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.

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      OT APPROVED, 365MC637, FAROOQ, EVRi, 12.07.23 (BRENT) - J v4.pdf
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Judgement forthwith which form


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I wish to apply for an instalment order as I cannot pay the total amount immediately. Do I use N245 or N244. N245 is easy but this to me looks like I am applying to reduce an instalment order which in my case one has not even been determined.

 

HH

 

 

It will be an N244 application notice.

 

When did you get the forthwith judgment?

 

You need to apply for re-determination under CPR 14.13 below...

 

 

Right of re-determination

 

14.13

 

(1) Where –

(a) a court officer has determined the time and rate of payment under rule 14.11; or

 

(b) a judge has determined the time and rate of payment under rule 14.12 without a hearing,

 

either party may apply for the decision to be re-determined by a judge.

 

(2) An application for re-determination must be made within 14 days after service of the determination on the applicant.

 

(3) Where an application for re-determination is made, the proceedings must be transferred to the defendant’s home court if –

(a) the only claim (apart from a claim for interest or costs) is for a specified amount of money;

 

(b) the defendant is an individual;

 

© the claim has not been transferred to another defendant’s home court under rule 13.4 (application to set aside(GL) or vary default judgment – procedure) or rule 26.2 (automatic transfer);

 

(d) the claim was not started in the defendant’s home court; and

 

(e) the claim was not started in a specialist list.

 

(Rule 2.3 explains which court is a defendant’s home court)

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N245 Hammy Ignore the above.

 

Regards

 

Andy

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N245 Hammy Ignore the above.

 

Regards

 

Andy

 

 

 

Why would it be an N245 if there is a forthwith judgment and no instalment order is in place?

 

It probably won't make much difference either way as the court will get what the OP means.

 

The OP can apply to re-determine the judgment to £XX.XX per month for free on form N244 if it meets the criteria in CPR 14.13.

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  • 1 month later...

My principles account has been in dispute for nearly 2 1/2 years as GE Money then Santander could not produce my agreement. It was passed through various DCAs before landing on Lowell's doorstep who said they had bought the debt.

 

I today receive a letter from them in reply to my "sorry in dispute letter".

 

We have today contacted our clients about this matter and would hope to receive further information but in the meantime your account is now closed and passed back to them. What clients, they are now the creditor. They obviously bought the debt, I receive a notice of assignment from Santander, saw my letter showing all the DCAs and "thought bloody hell not a chance here".:violin:

 

HH

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I think it's becoming more and more clear that DCA's are buying debts on a "sale or return" basis. If they buy a debt they cannot collect on (account in dispute) they have the right to pass the account back to the original creditor.

Just my thinking of course

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I think it's becoming more and more clear that DCA's are buying debts on a "sale or return" basis. If they buy a debt they cannot collect on (account in dispute) they have the right to pass the account back to the original creditor.

Just my thinking of course

 

no doubt the o/c 's will soon be offering a bogof offer to these DCA's. more fool them!

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Lowlifes are up for sale so they are obviously trying to shelve their cannon ball accounts before they get bought out, god I 'kin hate lowlifes...

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!

 

 

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Perhaps they buy the debt and not the actual account. I think this is something the OFT should look into, as it can be quite confusing to the person receiving these letters, what role the DCA is playing. This is important as it would inform the debtor about the rights that the DCA has in regard to enforcement of the debt.

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