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    • you need to ring northants bulk and ask for a copy of the judgement and the claimform by email pdf. it is quite usual for them to not have a copy of the claimform. so you need to record the call and ask them to read out the particulars of claim and the address it was sent too.     old wives tales , if you have a debt owing that shows on your credit file or you know exists from say the last 7yrs you should NEVER move without WRITTING to the debt owner with your new address. never run from debt which falls within the above .     all mortgage style SLC loans that were not deferred with erudio following the gov't sale in 2013 and that did not have a court claim raised within 6yrs are SB'd.   drydens simply did this because they wrote to your old address, got no response, and knew they'd get a default roboclaim CCJ where no human checks anything.   shot yourself in the foot.      
    • yep.   if all these are still owned/with the original creditors and you are not paying any powerless DCA's  then little point in any CCA requests at this stage unless any (non OD A/C's) are say pre 2000 opening.   our pro rata letters are the way to go you'll find those in the debt collection section of our library.   get any income payments on going or otherwise moved into a parachute A/c.   it is most probable that whatever you do most A/c's will be defaulted once this is done if not already. bearing in mine your wish to re mortgage or move in a future, it is most probable that the quicker you do default , the earlier a DN will be registered thus the earlier these will not show following their 6th birthday. this might involve you thinking about stopping all payments now ensuring this does happen, then resuming payment under a pro rata scheme self administered , once this happens.   just be aware that no DMP providers will ever question enforceability, should that be relevant.     
    • LL would have Absolutely no chance of getting the smart meter changed back.....
    • slow down ...read what i'm asking , stating and trying to clarify.. it all might seem useless or totally irrelevant but it's important information moving forward with the whole situation and useful in the SPC claim moving forward     there was not 2 loans - the litigated OD is not a loan but it appears from your comment here..     sorry but then you did get scammed on many fronts... they allowed you to settle the loan exploiting your confusion over thinking it was the litigated account. they didn't tell you either and they would also have been aware of your statement filed response form:   The respondent had a junior account with the Bank of Scotland since a young age.  The Bank of Scotland offered the Respondent a loan of around £2500. This Respondent serviced the loan until losing her source of income and ran into some financial difficulty resulting in defaulting in servicing the loan.   they settled for a discounted sum... why? we usually find this is because they hold no enforceable paperwork at all. or was full of charges , charges could have been the discount or it could have been due to 'a business decision' ...   but sure as eggs is eggs there is no way 1st credit would not have raised a court claim for both the OD and the loan unless there was a very good reason. they didn't that smells...badly.   OD 's are notoriously difficult to litigate upon if defended properly...but with a loan in the same claim, with enforceable paperwork, they would have almost been guaranteed to win.   it's also a shame you didn't come where before you did anything but we are where we are.   now the above might seem harsh..even petty but our posts are not only for you and your issue they are also for future readers that find us via search engines or read like threads here alerting debtors to frequent pitfalls and innocent wet myself actions many do that all these dca's will and have exploited time and time again over the last +40yrs .   i'll try and get around to properly redacting all your pdf's tonight and get them back up. but before i finish and get on with the above........the status of the claim as it stands now.   From what i can gather the claim now hinges upon proving her ex at the time settled by a discounted payment to HBOS well before the sale to Intrum and the SPC Claim.   In all honestly and with regard to your comments in your previous posts upon his character, i seriously doubt this ever happened. the disclosures from Intrum contain all the OD statements , should that have happened, it would be detailed in those.   there is little point in the claimant hiding that info as they would be in far more legal trouble should they have doctored them than insuring a mere +£1k claim win. Even 1st credit wouldn't pull such stunts.   Sorry but there is little point in requesting HBOS to attend any future hearing, nor hoping the SAR shows anything different to the statements the claimant has disclosed . That will cost you more money , and more money in terms of the claimant attending another hearing.   there is one exploitation i see. that being the mention of a default notice. the claim states:  The respondent fell into arrears under the Finance Agreement. A Default Notice was Issued by the Original Creditor .   now default notices are not issued for OD A/C's (which ties in to the possible loan confusion and scam settlement i mentioned) . This tallies with a common mistake that many DCA's, including why i keep mentioning 1st credit, which is the previous name for Intrum, made on numerous claims and was one of the reasons for the name change. To Hide that They lost many Statutory Demand and court claims over the non existence of a DN or proof of it's issuance by the OC (a DCA can't issue a DN) .. No copy of a default notice is fatal to to successful  litigation.   even though in this OD case one was not ever needed. (Poor particulars of claim showing copy and paste, and never expecting a claim to be defended but responded to by a wet themselves response , which you did by settling a loan which you believed was the claimed debt when it never was)    other than that you indicate you made an OOC F&F offer in 09-20  have you advanced this option since ?   dx
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    • Hi @BankFodder
      Sorry for only updating you now, but after your guidance with submitting the claim it was pretty straight forward and I didn't want to unnecessarily waste your time. Especially with this guide you wrote here, so many thanks for that
      So I issued the claim on day 15 and they requested more time to respond.
      They took until the last day to respond and denied the claim, unsurprisingly saying my contract was with Packlink and not with them.
       
      I opted for mediation, and it played out very similarly to other people's experiences.
       
      In the first call I outlined my case, and I referred to the Contracts (Rights of Third Parties) Act 1999 as the reason to why I do in fact have a contract with them. 
       
      In the second call the mediator came back with an offer of the full amount of the phone and postage £146.93, but not the court costs. I said I was not willing to accept this and the mediator came across as a bit irritated that I would not accept this and said I should be flexible. I insisted that the law was on my side and I was willing to take them to court. The mediator went back to Hermes with what I said.
       
      In the third call the mediator said that they would offer the full amount. However, he said that Hermes still thought that I should have taken the case against Packlink instead, and that they would try to recover the court costs themselves from Packlink.
       
      To be fair to them, if Packlink wasn't based in Spain I would've made the claim against them instead. But since they are overseas and the law lets me take action against Hermes directly, it's the best way of trying to recover the money.
       
      So this is a great win. Thank you so much for your help and all of the resources available on this site. It has helped me so much especially as someone who does not know anything about making money claims.
       
      Many thanks, stay safe and have a good Christmas!
       
       
        • Thanks
    • Hermes and mediation hints. https://www.consumeractiongroup.co.uk/topic/428981-hermes-and-mediation-hints/&do=findComment&comment=5080003
      • 1 reply
    • Natwest Bank Transfer Fraud Call HMRC Please help. https://www.consumeractiongroup.co.uk/topic/428951-natwest-bank-transfer-fraud-call-hmrc-please-help/&do=findComment&comment=5079786
      • 31 replies
    • Hermes lost parcel.. Read more at https://www.consumeractiongroup.co.uk/topic/422615-hermes-lost-parcel/
      • 49 replies

Dodgy Laws that have never been changed.


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It is still illegal to wear a false nose on a Sunday.

It is also illegal to buy fish on a Sunday.

 

Laws that have never been rewritten (or changed because there was no need to).

 

I'm sure there are a lot more out there.

 

 

If all else fails, kick them where it hurts and SOD'EM;)

 

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Any resident of Chester can shoot a Welshman with an arrow if he is within the city walls on a Sunday:!:

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Everything I say is opinion only. If you are unsure on any comment made, you should see a qualified solicitor

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Any resident of Chester can shoot a Welshman with an arrow if he is within the city walls on a Sunday:!:

 

Glad you said WelshMAN lol...

"To love unconditionally is the greatest gift, laughter is a close second" .To give your time to help others after being helped here is the best way to show your appreciation to your fellow CAG members.

 

Please note that this advice is given informally, without liability and without prejudice. Seek the advice of an insured qualified professional if you have any doubts. All my knowledge has been gained here, for which I'm very grateful. I'm a Journalist, not a law professional.

 

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BB 13 - DCAs/banks and solicitors 0.

 

I get a fresh start to get on with learning to live with severe disabilities when they could have had something if they'd been understanding...

 

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Glad you said WelshMAN lol...

 

Ya know, I thought of you when Iwas typing :wink:

 

Another one:

It is illegal for a woman to eat chocolate on a public conveyance

If you are asked to deal with any matter via private message, PLEASE report it.

Everything I say is opinion only. If you are unsure on any comment made, you should see a qualified solicitor

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Ya know, I thought of you when Iwas typing :wink:

 

Another one:

It is illegal for a woman to eat chocolate on a public conveyance

 

I hardly ever eat choclate and certainly not on a public conveyance 8-)

"To love unconditionally is the greatest gift, laughter is a close second" .To give your time to help others after being helped here is the best way to show your appreciation to your fellow CAG members.

 

Please note that this advice is given informally, without liability and without prejudice. Seek the advice of an insured qualified professional if you have any doubts. All my knowledge has been gained here, for which I'm very grateful. I'm a Journalist, not a law professional.

 

If you do PM, make sure to include a link to your thread as I don't give out advice in private ;)

BB 13 - DCAs/banks and solicitors 0.

 

I get a fresh start to get on with learning to live with severe disabilities when they could have had something if they'd been understanding...

 

<--- If you feel I've helped, please twinkle my star :)

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It is illegal to die in the Houses of Parliament, this has to be my number one.

 

Shame that.

 

 

We also break the law every christmas day as it's illegal to eat a mince pie on this day.

 

This dates back to cromwell and still is law today.

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It is illegal to die in the Houses of Parliament, this has to be my number one.

 

Shame that.

 

It is also illegal to enter Parliament wearing a suit of armour which (obviously) increases the risk of dying there

If you are asked to deal with any matter via private message, PLEASE report it.

Everything I say is opinion only. If you are unsure on any comment made, you should see a qualified solicitor

Please help CAG. Order this ebook. Now available on Amazon. Please click HERE

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It is also illegal to enter Parliament wearing a suit of armour which (obviously) increases the risk of dying there

 

Your quite right,crazy eh,who came up with these laws............the mind boggles.

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You think British laws are silly.

 

In Florida, you are not allowed to fart after 6pm on Thursdays. Waddya do-hold it till friday:lol:

If you are asked to deal with any matter via private message, PLEASE report it.

Everything I say is opinion only. If you are unsure on any comment made, you should see a qualified solicitor

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You think British laws are silly.

 

In Florida, you are not allowed to fart after 6pm on Thursdays. Waddya do-hold it till friday:lol:

 

That'll be some carbon footprint:lol:

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In accordance with The Tax Avoidance Schemes Regulations 2006, it is illegal not to tell the taxman anything you don’t want him to know, though you don’t have to tell him anything you don’t mind him knowing. I mean, WTF?!

My advice is based on my opinion, my experience and my education. I do not profess to be an expert in any given field. If requested, I will provide a link where possible to relevant legislation or guidance, so that advice provided can be confirmed and I do encourage others to follow those links for their own peace of mind. Sometimes my advice is not what people necesserily want to hear, but I will advise on facts as I know them - although it may not be what a person wants to hear it helps to know where you stand. Advice on the internet should never be a substitute for advice from your own legal professional with full knowledge of your individual case.

 

 

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You think British laws are silly.

 

In Florida, you are not allowed to fart after 6pm on Thursdays. Waddya do-hold it till friday:lol:

 

Follow the Welsh lead (think dry counties on a Sunday) and cross the border...

Nationwide - Prelim sent 02/07 - MCOL filed 04/07 CHARGES SETTLED IN FULL!!

Woolwich- Prelim sent 04/07 - Offered 90% - 06/07 accepted

MBNA - Prelim sent 02/07 - CCA request sent 03/07 - CCA reply (illegible + no T&Cs) - DCA sent packing - Restons now trying - gone quiet

Citicard - Prelim sent 02/07 - CCA request sent 04/07 - replied 04/07 No contract & not enforcing!- passed to 1st Credit- gone quiet

Egg - Prelim sent 02/08 - 3 letters - full offer 03/08 SETTLED IN FULL!!

(All starry, rep, clicky thingies gratefully received!)

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  1. It is lawful to kill a Scotsman in York if he is carrying a bow and arrow.
  2. It is illegal for taxi drivers to carry rabid dogs or corpses.
  3. A taxi driver must ask passengers if they are suffering from plague or smallpox.
  4. A member of the House of Commons is not allowed to resign his seat. However, if one wants to leave the post, he applies for (and is automatically granted) the Stewardship of the Aylesbury Hundred, which is a job with no duties or pay but which makes him ineligible for membership of Parliament.
  5. Anyone entering the Houses of Parliament while wearing a suit of armour is liable to be arrested.
  6. It is illegal to die in the Houses of Parliament (I'm not sure what punishment is inflicted on offenders).
  7. Any whale washed up on the shore is the property of the Queen, so she can use its bones for her corset.
  8. In Hereford you can shoot a Welsh person on a Sunday, with a longbow, in the Cathedral Close.
  9. You can shoot a Welsh person with a bow and arrow in Chester, inside the city walls and after midnight.
  10. It is legal for a male to urinate in public, as long it is on the rear wheel of his motor vehicle and his right hand is on the vehicle.
  11. Women are permitted to go topless in Liverpool provided they work as a clerk in a shop selling tropical fish.
  12. A bed may not be hung out of a window.
  13. It is illegal for a lady to eat chocolates on a public conveyance.
  14. It is illegal to be drunk on licenced premises.
  15. Any person found breaking a boiled egg at the sharp end may be sentenced to 24 hours in the stocks.
  16. Any boy under the age of 10 may not see a naked mannequin.
  17. It is illegal to eat mince pies on 25th December.
  18. In London it is illegal to hail a taxi while suffering from bubonic plague.
  19. Sticking a postage stamp (showing the head of the queen, which they all do) on an envelope upside down is considered treason.
  20. It is illegal to go within 100 yards of the queen when not wearing hose, socks or stockings.
  21. It is illegal for any commoner's pet to have carnal knowledge of an animal belonging to the monarch.
  22. A pregnant woman may relieve herself anywhere she likes, including (if she requests) in a policeman's helmet.
  23. A hackney carriage (i.e. taxi) driver must (still) carry a bale of hay and a bucket to feed and water his horse [Thanks to Paula Wilde for reminding me of this one]
  24. It is illegal for a London taxi driver to take more than one day off work in any week unless he gives 10 days notice (presumably to the licensing authority).
  25. It is also illegal for a London taxi driver to pick up a passenger who flags him down, although he is permitted to display an illuminated sign saying he is available.
  26. Also in London you may not carry a plank, pole, ladder, wheel, hoop or tub along the footpath, although you can carry it across the path to load it into a vehicle.
  27. Children in London are forbidden to play any game, fly a kite or slide on ice or snow in the street.
  28. Under a 1906 act of Parliament it is illegal to go to a fancy dress party dressed as a soldier or sailor.
  29. In London it is an offence against the law to beat a carpet in the street, or to beat a doormat in the atreet after 8:00a.m.

 

 

If all else fails, kick them where it hurts and SOD'EM;)

 

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4. A member of the House of Commons is not allowed to resign his seat. However, if one wants to leave the post, he applies for (and is automatically granted) the Stewardship of the Chiltern Hundreds, which is a job with no duties or pay but which makes him ineligible for membership of Parliament. (also the Manor of Northstead is used for the same purpose)

 

Nationwide - Prelim sent 02/07 - MCOL filed 04/07 CHARGES SETTLED IN FULL!!

Woolwich- Prelim sent 04/07 - Offered 90% - 06/07 accepted

MBNA - Prelim sent 02/07 - CCA request sent 03/07 - CCA reply (illegible + no T&Cs) - DCA sent packing - Restons now trying - gone quiet

Citicard - Prelim sent 02/07 - CCA request sent 04/07 - replied 04/07 No contract & not enforcing!- passed to 1st Credit- gone quiet

Egg - Prelim sent 02/08 - 3 letters - full offer 03/08 SETTLED IN FULL!!

(All starry, rep, clicky thingies gratefully received!)

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The Chiltern Hundreds is what is known as a 'rotton borough'. It has no registered constituents, no legal land ownership within the defined area and was created by Parliament to stick troublemakers into until they knew what to do with them... people 'under suspicion' could be assigned there too - all goes back to the Reformation days. Another one was Gatton near Reigate in Surrey,

 

(I did parliamentary history as a project at school in the dim and distant 70's.... still remember huge amounts of it!)

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Sodem, are you sure about number 11? Do they have a lot of tropical fish in Liverpool?!:madgrin: and I need number 21 explaining please:???:

 

21 roughly translated means do not let your dog roger the Queen's deer/swans etc.! (i.e. keep it on a lead!) :-)

Nationwide - Prelim sent 02/07 - MCOL filed 04/07 CHARGES SETTLED IN FULL!!

Woolwich- Prelim sent 04/07 - Offered 90% - 06/07 accepted

MBNA - Prelim sent 02/07 - CCA request sent 03/07 - CCA reply (illegible + no T&Cs) - DCA sent packing - Restons now trying - gone quiet

Citicard - Prelim sent 02/07 - CCA request sent 04/07 - replied 04/07 No contract & not enforcing!- passed to 1st Credit- gone quiet

Egg - Prelim sent 02/08 - 3 letters - full offer 03/08 SETTLED IN FULL!!

(All starry, rep, clicky thingies gratefully received!)

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Sodem, are you sure about number 11? Do they have a lot of tropical fish in Liverpool?!:madgrin: and I need number 21 explaining please:???:

 

Yes. Number 11 is true.:|

 

As for number 21.......As Steve H said:razz:

 

 

If all else fails, kick them where it hurts and SOD'EM;)

 

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The Chiltern Hundreds is what is known as a 'rotton borough'. It has no registered constituents, no legal land ownership within the defined area and was created by Parliament to stick troublemakers into until they knew what to do with them... people 'under suspicion' could be assigned there too - all goes back to the Reformation days. Another one was Gatton near Reigate in Surrey,

 

(I did parliamentary history as a project at school in the dim and distant 70's.... still remember huge amounts of it!)

 

I wished i'd of paid more attention in my history lesson,that is quite interesting.

 

Now you got me interested in finding out more:-)

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