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    • 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?  
    • I see they're trying to round up asylum seekers and lock them up for about three months so they can be put on planes to Rwanda. I'm a bit surprised that this is legal.  
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    • 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.  

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      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.

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    • Housing Association property flooding. https://www.consumeractiongroup.co.uk/topic/438641-housing-association-property-flooding/&do=findComment&comment=5124299
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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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Lowells Text Message


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Hi,

Haven't been here for awhile now , I am still having issues regarding Lowells and a shop direct debt,they have been chasing me for. I recieved a BT text message service text from them today with the usual threat of " you must contact us now".

Now I am getting pretty sick of the run around with these people, it's been nearly 2yrs now, so I am considering to see if I am elligable for a DRO as I am on Benefits and can not afford to pay this debt, but, I am un-sure wether I am elligable or not as I do not know if this type of debt is elligable, the outstanding amount is £669.00 , I have no assets at all, no car and live in council property with no savings.

Please could you advise on what action I can take and wether or not I will be elligable for the DRO.

Here is the link to my old Thread concerning this .....

http://www.consumeractiongroup.co.uk/forum/showthread.php?264266-Is-This-An-Eforceable-Cca

 

 

Also i recieved word from FOS ,when i complained , saying that they could not take the matter any further as Lowells were not the origanal creditors, so as you can imagine that was seen as the green light for Lowells to start their persuit once again.

Thanks Again to those who have offerd advice thus so far.

tiamaria2000

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Just had two more text messages from lowlifes again today, strange thing is though they where for two different people (not me!!!),is this not a breach of the data protection act??? as they left names and account ref numbers??. Anyway Partner phoned them back and gave the person(?) at their end a blunt but stern rollocking about them using his phone number and that he was in possesion of personal data and would use this against them if they did not remove all trace of his number off their system,to which they have glady done so (we will wait and see on this one!!!).If they are in the wrong , which I hope that they are, is there a process I can go through as in reporting them to some sort of regularity authority, as I would realy like to give them a right kick in the *****.:mad2:.

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Ok I have come to the conclusion that I am going to SAR shop direct and reclaim any unfair charges that have been levied on the accounts that me and my Partner have had with them, I will be in need of some guidance in how I should go about this, I have read that I should tote up the charges on the accounts and add interest ??, has any one been successful in doing this?? will they put up much of a fight to not pay up, the accounts were with choice,great uneversal and my Partners was with littlewoods.

Any advice on how to procede with this will be well recieved.

Thanks.

tiamaria.

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