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    • Now some at this stage might think I'm leading to doggerland as the site of Atlantis   https://www.winterwatch.net/2019/01/did-the-inspiration-for-atlantis-flood-and-ark-legends-stem-from-paleo-doggerland/           but for a number of reasons, I'm not ... although I think it is a part of the larger story,   Its a little late. I believe the final inundation of doggerland is part of the later Biblical flood and related myths. (Black Sea, Arabian Gulf, West coast of India etc) ... but worthy of mention is that it could effectively make up one of three 'larger' islands as detailed in the legends far better than the Azores does. ... and mammoths/elephants crossed that bridge - although carefully check the dates of those mammoth/elephant migration evidence. They seem to end 11000bp.           http://www.bbc.co.uk/earth/story/20150722-lost-beasts-of-the-ice-age   http://www.canada.com/technology/Massive+Canadian+melt+have+triggered+flood+biblical+proportions/3954124/story.html   https://en.wikipedia.org/wiki/Outburst_flood   http://www.talkorigins.org/faqs/flood-myths.html#Sproul    
    • Hi.   Someone reported that your pg1 still had the reg number showing, so I've removed it and left pg2.   HB
    • Yes because you have not entered into an agreement with the claimant...nor do they state you ever did.   2.The loan was funded by Ferratum Uk Ltd.
    • Hi DX   Thank you for that.   No house move    Doh ... I know what a PAP LOC is now (apologies for being slow !)   I have had a tinker and found another defence example which I have taken account of.    How does the following now look ?  (bit lengthy apologies in advance !) **********************************                                                                           Particulars Of Claim 1.The claimant claims this amount in respect of an unpaid loan, regulated by the Consumer Credit Act 1974. The loan was funded by Ferratum UK Ltd.   2.The Defendant has failed to make payments in accordance with the terms of the credit agreement. The credit agreement was assigned to the Claimant upon which a Notice of Assignment was sent to the Defendant.    3.The Defendant has either failed to respond to the Claimant or has failed to maintain regular payments.   4.The Claimant has issued a Letter of Claim, providing the Defendant with a further opportunity to arrange repayment of the outstanding balance to no avail.    5.The Claimant claims interest under section 69 of the County Courts Act 1984 at the rate of 8% a year from 11/02/2019 to 23/07/2019 on  £417.00 and also interest at the same rate up to the date of judgement or earlier payment at a daily rate of £0.09."    " Defence    1.            The Defendant contends that the particulars of claim vague and are 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.   The Claimant has not complied with paragraph 3 of the PAPDC ( Pre Action Protocol) Failed to serve a letter of claim pre claim pursuant to PAPDC changes of the 1st October 2017.It is respectfully requested that the court take this into consideration pursuant to 7.1 PAPDC   2.           Paragraph 2 is denied. I am unaware of what alleged debt the claimant refers to having failed to adequately particularise its claim.  And it is denied the claimant has served any Notice of Assignment pursuant to the Law & Property Act 1925    3    Paragraph 3 of the particulars is not admitted with regards to the Defendant entering into an Agreement referred to in the Particulars of Claim for an amount of £431.81. It is denied the defendant failed to abide by the terms of contract.   4.       Paragraph 4 is noted although I have no record of ever receiving a Default Notice or Notice of intention to serve a Default Notice in this matter.    5. It is therefore denied with regards to the Defendant owing any monies to the Claimant, the Claimant has failed to provide any evidence of assignment/balance/breach requested by CPR 31. 14, therefore the Claimant is put to strict proof to:   6. On receipt of this claim I requested by way of a CPR 31.14 request and a section 77/78 for copies of any documents referred to within the Claimants particulars to establish what the claim is for. To date they have failed to comply to my section 77/78 request and remain in default and with regards to my CPR 31.14 request.   (a) show how the Defendant has entered into an agreement ; and (b) show and evidence the nature and service of a default notice pursuant to sec87.1CCA1974 © show how the Defendant has reached the amount claimed for; and (d) 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. On the alternative, as the Claimant is an assignee of a debt, it is denied that the Claimant has the right to lay a claim due to contraventions of Section 136 of the Law of Property Act and Section 82A of the consumer credit Act 1974.   9.By reasons of the facts and matters set out above, it is denied that the Claimant is entitled to the relief claimed or any   ******************** end of defence ************
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Definitely show her this thread as it's really informative and will show how worried you have been. She will also understand more about the whole situation if you do.

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show her this thread yes yes yes,

 

dx

siteteam


PLEASE DONT HIT QUOTE IF THE LAST POST IS THE ONE YOU ARE REPLYING TOO.

MAKES A THREAD TWICE AS LONG TO SCROLL THROUGH!

please do not post jpg images directly to a topic..USE PDF ....READ UPLOAD.

 

WE CAN'T GIVE ADVICE BY PM - IF YOU SEND ME A LINK TO YOUR THREAD - I WILL BE HAPPY TO OFFER HELP THERE

Single Premium PPI Q&A Read Here

Reclaim mis-sold PPI Read Here

Reclaim Bank Account, Loan & Credit Card Charges Read Here

The CAG Interest Tutorial Read Here

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Okay turns out she didn't read the letter because she seemed clueless when she got home. So now the problem is, should I pay the £35 so I would not have to risk another letter coming through or what? Thanks everyone.

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Does she usually open your post?

 

And don't pay it - it's not enforceable and it isn't even worth them taking you to court over, that said, they won't win anyway. Just enjoy the free loo paper or something.

 

ETA: They can only recoup losses and as they have the wallet they don't have any losses let alone the figure they are trying to ask for!


The above post constitutes my personal opinion on the facts in the post compared with my personal knowledge of the applicable legislation. I make no guarantees of its legal accuracy. If you are in doubt seek advice of a legal professional specialising in the area concerned.

 

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But the thing is, if I dont pay, they will keep sending in letters and I wouldn't want them to do that because of my mum. And the letter says 'Retail Loss Prevention' so I'm not sure.

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it will make no odds if you pay

they will still demand more

 

once they have a cash cow - they'll continue to milk it

 

you seriously need to get your mother on-board.

 

if it were me - i'd send her an email with a link to this thread.

 

dx


PLEASE DONT HIT QUOTE IF THE LAST POST IS THE ONE YOU ARE REPLYING TOO.

MAKES A THREAD TWICE AS LONG TO SCROLL THROUGH!

please do not post jpg images directly to a topic..USE PDF ....READ UPLOAD.

 

WE CAN'T GIVE ADVICE BY PM - IF YOU SEND ME A LINK TO YOUR THREAD - I WILL BE HAPPY TO OFFER HELP THERE

Single Premium PPI Q&A Read Here

Reclaim mis-sold PPI Read Here

Reclaim Bank Account, Loan & Credit Card Charges Read Here

The CAG Interest Tutorial Read Here

spreadsheets 

 

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So even if i do pay £35, they would still send letters and ask for more money?

Oh and my friend got charged £178 because he was over 16. And he hasdecided he's paying it off with installments.

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I could send you letters asking for £170 or some other random amount I picked and threaten court action, doesn't mean if I actually took the case to court that I would win or even if I'm entitled to ask for that money. This is the same.


The above post constitutes my personal opinion on the facts in the post compared with my personal knowledge of the applicable legislation. I make no guarantees of its legal accuracy. If you are in doubt seek advice of a legal professional specialising in the area concerned.

 

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its still a speculative invoice with no legal standing

 

fool to pay it off tell your friend

 

waste of money

just lining peoples pockets

 

dx


PLEASE DONT HIT QUOTE IF THE LAST POST IS THE ONE YOU ARE REPLYING TOO.

MAKES A THREAD TWICE AS LONG TO SCROLL THROUGH!

please do not post jpg images directly to a topic..USE PDF ....READ UPLOAD.

 

WE CAN'T GIVE ADVICE BY PM - IF YOU SEND ME A LINK TO YOUR THREAD - I WILL BE HAPPY TO OFFER HELP THERE

Single Premium PPI Q&A Read Here

Reclaim mis-sold PPI Read Here

Reclaim Bank Account, Loan & Credit Card Charges Read Here

The CAG Interest Tutorial Read Here

spreadsheets 

 

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This would appear to be a new tactic from RLP.

Their offer to accept £35 if paid immediately,when the original demand was £137.50 tells its own story.

These figures are being plucked from thin air.


Have a happy and prosperous 2013 by avoiiding Payday loans. If you are sent a private message directing you for advice or support with your issues to another website,this is your choice.Before you decide,consider the users here who have already offered help and support.

Advice offered by Martin3030 is not supported by any legal training or qualification.Members are advised to use the services of fully insured legal professionals when needed.

 

 

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Did you pay the RLP, ForestChav?

Haven't ever had to, but if they did try one of their "invoices" it would make nice firewood. It's on par with the private parking tickets.


The above post constitutes my personal opinion on the facts in the post compared with my personal knowledge of the applicable legislation. I make no guarantees of its legal accuracy. If you are in doubt seek advice of a legal professional specialising in the area concerned.

 

If my post has helped you please click my scales!

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I'm not sure yet, I'm still deciding whether or not to pay the £35 to them. But I may ring them up and ask, if I pay the amount, would they leave me alone, forever

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dont be a mug

 

it'll make no diff

 

dx


PLEASE DONT HIT QUOTE IF THE LAST POST IS THE ONE YOU ARE REPLYING TOO.

MAKES A THREAD TWICE AS LONG TO SCROLL THROUGH!

please do not post jpg images directly to a topic..USE PDF ....READ UPLOAD.

 

WE CAN'T GIVE ADVICE BY PM - IF YOU SEND ME A LINK TO YOUR THREAD - I WILL BE HAPPY TO OFFER HELP THERE

Single Premium PPI Q&A Read Here

Reclaim mis-sold PPI Read Here

Reclaim Bank Account, Loan & Credit Card Charges Read Here

The CAG Interest Tutorial Read Here

spreadsheets 

 

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I'm not sure yet, I'm still deciding whether or not to pay the £35 to them. But I may ring them up and ask, if I pay the amount, would they leave me alone, forever

 

I would advise against telephoning them.

If you really do want to contact them-keep things in writing.

Perhaps you can inform them that you have read what the CAB have to say on the matter.Ask them to provide you with a precise breakdown of what the £137.50 is for,how much of this would be going to TK Maxx,and also if they can furnish you with a list of Court cases they have won.......................


Have a happy and prosperous 2013 by avoiiding Payday loans. If you are sent a private message directing you for advice or support with your issues to another website,this is your choice.Before you decide,consider the users here who have already offered help and support.

Advice offered by Martin3030 is not supported by any legal training or qualification.Members are advised to use the services of fully insured legal professionals when needed.

 

 

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thx to Steve ,Dx and Martin.

I will do a bit law work this week,

to seek something useful,

and then back to show them.

anyway, God bless~~~

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I'm not sure yet, I'm still deciding whether or not to pay the £35 to them. But I may ring them up and ask, if I pay the amount, would they leave me alone, forever

Don't contact them at all. Definitely don't pay them anything.


The above post constitutes my personal opinion on the facts in the post compared with my personal knowledge of the applicable legislation. I make no guarantees of its legal accuracy. If you are in doubt seek advice of a legal professional specialising in the area concerned.

 

If my post has helped you please click my scales!

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is there any one tried be back to TKM after 1month,

do they seriously would drive you out?

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Its not something most would be too eager to attempt.

Do you seriously want to give your business to a company who allows these practices to continue in their shops ?


Have a happy and prosperous 2013 by avoiiding Payday loans. If you are sent a private message directing you for advice or support with your issues to another website,this is your choice.Before you decide,consider the users here who have already offered help and support.

Advice offered by Martin3030 is not supported by any legal training or qualification.Members are advised to use the services of fully insured legal professionals when needed.

 

 

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yes,Martin, I c your point, and I do agree with u.

however, sometimes, if u hang out with your friends,

they want to enter TKM,

it's a bit strange u refuse coming in, isnt it?

so, that's the reason why I ask that.

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HI Steve

TX Max should have checked that you where of a age to be held and question with-out an adult there with you, as this matter has not been reported to the police in the courts eyes there has been no crimmal offence and therefor no action can be taken, RLP NOT NOT HAVE ANY LEGAL RIGHTS TO INPOSE ANY FINES. So dont pay them however you will have to talk to your mum or dad as this will require an adults to fight the claim from RLP.

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HI Steve

TX Max should have checked that you where of a age to be held and question with-out an adult there with you, as this matter has not been reported to the police in the courts eyes there has been no crimmal offence and therefor no action can be taken, RLP NOT NOT HAVE ANY LEGAL RIGHTS TO INPOSE ANY FINES. So dont pay them however you will have to talk to your mum or dad as this will require an adults to fight the claim from RLP.

He doesn't need to "fight" anything as what they are sending is speculative invoices which are not enforceable.

 

It is the same as me sending you a letter demanding £137.50.


The above post constitutes my personal opinion on the facts in the post compared with my personal knowledge of the applicable legislation. I make no guarantees of its legal accuracy. If you are in doubt seek advice of a legal professional specialising in the area concerned.

 

If my post has helped you please click my scales!

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Sorry guys, I couldn't risk having other letters being sent to my house. I paid the fine of £35 today.

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You have not paid the FINE because the fine does not exist..private company's have no right whatsoever to FINE people...they are just sending out invoices...like me or you could and more fool anyone who pays them..

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