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    • Driver entered car park run by CEL Ltd .Tried to purchase lozenges  at Pharmacy , saw it was busy so left . Time there approximately 5 minutes . Left to go to pick up some goods  a couple of miles away . I have a copy of a collection of goods note with an approximate time on it  Stayed a while to chat with client On return journey stopped  to try again . Bought lozenges and left . There were no restrictions on returning  ANPR cameras registered first entry and last exit  Was sent photos showing vehicle with 2 blown up with the times on them   Company refuses to divulge landlord or show contract ....said it was data protection ! Photo of a sign blown up .....could be anywhere ! Been to site itself . No signs at entrance . When entering from main road nothing ! Where there is parking a few signs visible depending on parking space . Large sign on an external wall which can only be seen when walking out or entering from side road on the left . After a number of letters  I received demands from ZZPS ....a “debt collector “. They gave up on that ! This incident took pace in February . Now a Letter Before Court requesting details of my salary and how I intend to pay the debt  The length of stay is 40 minutes . Tiny car park !   Do know why there are even limits . Length of stay maybe 15 minutes in total . It is madness The pack of lozenges cost £185 ! Am 72 years old with multiple health problems ! Cannot let these cowboys win . Feel as though I am being intimidated . Very stressful ! Any  advice please ?I have drafted  together bits from all over the place ! Need it to stop ASAP !
    • Hi    This is my draft WS, please do let me know of nay changes or additions required, thanks.    IN THE County Court AT                                                                              CLAIM NO:      BETWEEN: CABOT FINANCIAL (UK) LIMITED   -and- (DEFENDANT)     ___________________________________________ WITNESS STATEMENT OF        INTRODUCTION    1. I, XXXX, the Defendant in this case, make this statement in support of my defence against the Claimant, Cabot Financial (UK) Limited.  The matters set out below are within my own knowledge, except where I indicate to the contrary.    THE DEFENDANT’S RESPONSE TO THE CLAIMANT’S WITNESS STATEMENT    2. The Claimant states in Paragraph 3, ‘….refer to various documents, true copiesof which are contained in the paginated bundle to this statement marked “JK”1’, but then states in para 4, ‘Acopy of the reconstituted agreementwith associated terms and conditions….pages 1-10’. There are 3 versions attached of the alleged Agreement and Terms & Conditions and according to para 4 they are not the original but ‘a reconstitutedversion’. They have attached 3 Agreements namely, ‘Original Agreement’, ‘Default Agreement’ and ‘Terms of your Capital One Credit Card Agreement’.  The Claimant has provided 3 sets of generic/reconstituted Agreement and Terms & conditions.     3. The Claimant in Para 4 also states ‘On or around 5thNovember 2012 the Defendant entered into a Credit Card Agreement,’ but Page 2 of JK1 has a date inserted 2/11/2012.  It has my name, address and a date inserted in the form but no mention of how the agreement was made, online, post or telephone, and furthermore not mentioned in the Claimant’s Witness Statement.     4. As a rule of thumb I always ensure that no 3rdparty is to contact me or to send me marketing information via telephone, post or electronically’, but Page 2 of JK1 has an unticked box, another indication that this is not an original agreement.    5. Page 5 of JK1 has too many typo mistakes in the heading as follows: TERMSOF YOUR CAPITALONE CREDITCARD AGREEMENT, furthermore there are no ‘full stop’ punctuations at the end of each sentence, this surely cannot be a document sent out by Capital One.     6. The Claimant states in Para 9 that my defence is a ‘templated defence’, requesting documents pursuant of CPR 31.14 and Section 78 of the Credit Card Act 1974, this is a defendant’s right for request of information but the Claimant has failed to provide the true original Credit Card Agreement and Terms & Conditions.   7. The Claimant states in Para 25 that, ‘the Claimant allowed the proceedings to be stayed in order to allow the parties to attempt settlement negotiations…..’ this is not correct as the Claim was stayed due to the Claimant not being able to provide the requested documents pursuant of my CPR 31.14 and Section 78 of the Credit Card Act 1974.   8. Para 30 and 31of the Witness Statement requests to restore the proceedings, to strike out the Defence, has requested for a Summary Judgement, together with costs to be assessed summarily by the court. I, the Defendant, strongly object to the Claimant’s Witness Statement requesting to lift the stay and enter Judgement. I believe therefore, that this should be denied and I respectfully ask for you to strike out the claim. My reasons for this have been outlined in points 1 to 7.    9. By the reason of the facts and matters set out above, it is denied that the Claimant is entitled to the relief claimed or any relief and invite the Court to strike out the claim.   I believe that the facts stated in this Witness Statement are true.    Signed:  Dated:
    • District Judge has considered the statements of case and directions questionnaire filed and allocated the claim to the small claims track on 13th January 2020 for 1 hour.    Claimant has by 16th December 2019 pay the court trial fee or file a properly completed application, otherwise the claim will be struck out with effect from 16th December.    I have a few questions if possible to get an answer from anyone please.    The following directions apply to this claim: 1. It says that each party must deliver to the other party and to the court office copies of all documents on which that party intends to rely at the hearing no later than fourteen days before the hearing.  My understanding this will my witness statement, images of the parking area, out of time sent NTK documents. Is this correct? What else am I not thinking about?    2. I have to leave country for important work trip from 10th to 19th of January 2020. Is there anything I can do to postpone this case since its booked for 13th January?  Thanks!      
    • However having had a quick look at the consumer rights act, I see that it doesn't seem to apply if you have bought second-hand goods sold at a public auction and you had the opportunity of attending the same person – section 2 (5) Unless someone has some better ideas, I'm not sure what you can do.
    • I'm trying to understand your story because is not completely clear. You bought the car auction and you were aware at the time of the purchaser there was an ABS fault. Subsequently an ABS fault developed both this was a different fault and not of the type that have been flagged up at the auction. Is this correct? If you bought the car knowing that there was a particular ABS fault then I don't think you have any comeback. However if the fort which subsequently occurred is not the one which was flagged up at auction then you may be in a better position
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StreetFighter

HFO Capital/Services/Roxburghe - OFT Minded to Revoke Licences!

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Now I know why I havent heard back from hfo or turnball.

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Hahahahahahahahaahahahahahahaha!!!!!!!! My heart bleeds.

 

HFO Capital, HFO Services, Roxburgh, Turnbull Rutherford should have been stripped of their licences long ago. Had a letter from TR 3 weeks ago regarding a now SB'ed account!

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Roxburgh collect on behalf of Talk Talk and have been trying to get me to pay a file fee even though I didnt owe Talk Talk money.....so they are fine ones to whinge.

 

Good news though, and hope more companies will be closed faster than this has taken.

 

What happens about the dodgy court cases, will somebody be appointed to sort those out.

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Yay, I love seeing good news on here :)


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Indeed this is good news - but there will now be a vacuum.. who will fill it ??


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ha ha ha ha ha :violin::violin::violin: thanks for making my day......I wonder where sobell is ????? crooks

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Sobell? He's linked to Fred's and Carter, not HFO!


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great news - sad someone else will just fill the void - keep up the fight

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If people are still having issues with HFO/ Roxburghe please continue with complaints to the OFT.


US President Barack Obama referred to Ugland House as the biggest building in the world or the biggest tax SCA* in the world.

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If people are still having issues with HFO/ Roxburghe please continue with complaints to the OFT.

Good to see you here BA.


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I have been emailing a member there today: if anyone wants contact details to ensure a coordinated response PM me.. Guess that's best idea

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Hopefully the first of many....


:lol:

Successfully claimed back mis-sold PPI (Barclays Bank) 2009-10 (£8500)

Ran a paid-for DMP. Deeply respect those who self-manage a DMP; it is possible to do with the help of fellow CAGGERS

Offered F&F to all my creditors. All closed out including a particularly intransigent and stubborn one - who eventually saw sense after 10 months of nonsense!

Does not condone debt avoidance but violently disagrees with the antics of debt collectors and their behavior towards the ones trying to pay. I am a great believer in what goes around, comes around. Keep up the good fight!

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Roxburghe to appeal, don't forget the lies linking Barclays/ HFO and ROXBURGHE I've lots of stuff to send to the OFT, just been waiting for the opportunity...


US President Barack Obama referred to Ugland House as the biggest building in the world or the biggest tax SCA* in the world.

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Roxburghe to appeal, don't forget the lies linking Barclays/ HFO and ROXBURGHE I've lots of stuff to send to the OFT, just been waiting for the opportunity...

 

Do you have a contact BA? Guess knowing you the answer is yes :-)

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Do you have a contact BA? Guess knowing you the answer is yes :-)

 

Not got the new contact, I'm busy til Fri will them send my Rox stuff to OFT. There was an issue with a lot of Barclaycard accounts which HFO said they bought, but Barclaycard records showed they were sold to Rox.


US President Barack Obama referred to Ugland House as the biggest building in the world or the biggest tax SCA* in the world.

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Ok well I can't pm ya but he's more than interested in any details you have.

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i've had a bad day at work. Having surgery tomorrow, was feeling rubbish BUT this news is the BEST ................ Ha ha ha ha ha ha ha :whoo:

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i've had a bad day at work. Having surgery tomorrow, was feeling rubbish BUT this news is the BEST ................ Ha ha ha ha ha ha ha :whoo:

 

Hope all goes well mate.


US President Barack Obama referred to Ugland House as the biggest building in the world or the biggest tax SCA* in the world.

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Ok well I can't pm ya but he's more than interested in any details you have.

 

If you can PM me, or at least try, CAG have stopped me from sending PM,s, don't know if I can receive them, cheers.


US President Barack Obama referred to Ugland House as the biggest building in the world or the biggest tax SCA* in the world.

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As highlighted in the recent press release from the OFT http://www.oft.gov.uk/news-and-updates/press/2014/08-14 is this referring to the same 'Turnbull' as in the solicitors Turnbull Rutherford?

If so, should they be currently chasing any debt?


Santander PPI X 2 **WON** claims on behalf of son (Oct 2010/ Mar 2011)

Citicard O/H (PPI) - **WON** Compound Interest Dec 2011

Citicard O/H (Charges) Bailiffs sent in August 2012

Barclaycard - **WON** Compound Interest Oct 2011

Monument - account information being sought for OH

Citicard - self - N1 submitted August 2012

Barclaycard - self - **WON** damages for non disclosure/information now rec'd. Aug 2012

Barclaycard - relation - Failed SAR sent 29/09/11

Halifax SAR sent 18/08/2011 for relation

LTSB - SAR sent 09/08/2011 for friend

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As highlighted in the recent press release from the OFT http://www.oft.gov.uk/news-and-updates/press/2014/08-14 is this referring to the same 'Turnbull' as in the solicitors Turnbull Rutherford?

If so, should they be currently chasing any debt?

Yes it is the the same people and they can continue to trade as they're appealing the licence refusal.


US President Barack Obama referred to Ugland House as the biggest building in the world or the biggest tax SCA* in the world.

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Thank you BA - went well. hurts but then again ...... No pain, No Gain !

 

Going to get all my Rox stuff together to add to the weight of evidence against TR / HFO / Rox - :-)

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