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    • Not sure what to make of that or what it means for me, I was just about to head to my kip and it's a bit too late for legalise. When is the "expenditure occured"?  When they start spending money to write to me?  Or is this a bad thing (as "harsh" would imply)? When all is said and done, I do not have two beans to rub together, we rent our home and EVERYTHING of value has been purchased by and is in my wife's name and we are not financially linked in any way.  So at least if I can't escape my fate I can at least know that they will get sweet FA from me anyway   edit:  ah.. Sophia Harrison: Time bar decision tough on claimants WWW.SCOTTISHLEGAL.COM Time bar is a very complex area of law in Scotland relating to the period in which a claim for breach of duty can be pursued. The Scottish government...   This explains it like I am 5.  So, a good thing then because creditors clearly know they have suffered a loss the minute I stop paying them, this is why it is "harsh" (for them, not me)? Am I understanding this correctly?  
    • urm......exactly what you filed .....read it carefully... it puts them to strict proof to prove the debt is enforceable, so thus 'holds' their claim till they coughup or not and discontinue. you need to get readingthose threads i posted so you understand. then you'll know whats maybe next how to react or not and whats after that. 5-10 threads a day INHO. dont ever do anything without checking here 1st.
    • I've done a new version including LFI's suggestions.  I've also change the order to put your strongest arguments first.  Where possible the changes are in red.  The numbering is obviously knackered.  Methinks stuff about the consideration period could be added but I'm too tired now.  See what you think. Background  1.1  The Defendant received the Parking Charge Notice (PCN) on the 06th of November 2020 following the vehicle being parked at Arla Old Dairy, South Ruislip on the 05th of December 2019.  Unfair PCN  4.1  On XXXXX the Defendant sent the Claimant's solicitors a CPR request.  As shown in Exhibit 1 (pages 7-13) sent by the solicitors the signage displayed in their evidence clearly shows a £60.00 parking charge notice (which will  be reduced to £30 if paid within 14 days of issue). 4.2  Yet the PCN sent by the Claimant is for a £100.00 parking charge notice (reduced to £60 if paid within 30 days of issue).  4.3        The Claimant relies on signage to create a contract.  It is unlawful for the Claimant to write that the charge is £60 on their signs and then send demands for £100.   4.4        The unlawful £100 charge is also the basis for the Claimant's Particulars of Claim. No Locus Standi 2.1  I do not believe a contract exists with the landowner that gives MET Parking Services a right to bring claims in their own name. Definition of “Relevant contract” from the Protection of Freedoms Act 2012, Schedule 4,  2 [1] means a contract Including a contract arising only when the vehicle was parked on the relevant land between the driver and a person who is-  (a) the owner or occupier of the land; or  (b) Authorised, under or by virtue of arrangements made by the owner or occupier of the land, to enter into a contract with the driver requiring the payment of parking charges in respect of the parking of the vehicle on the land. According to https://www.legislation.gov.uk/ukpga/2006/46/section/44  For a contract to be valid, it requires a director from each company to sign and then two independent witnesses must confirm those signatures.  2.2  The Defendant requested to see such a contract in the CPR request.  The fact that no contract has been produced with the witness signatures present means the contract has not been validly executed. Therefore, there can be no contract established between MET Parking Services and the motorist. Even if “Parking in Electric Bay” could form a contract (which it cannot), it is immaterial. There is no valid contract. Illegal Conduct – No Contract Formed  3.1 At the time of writing, the Claimant has failed to provide the following, in response to the CPR request from myself.  3.2        The legal contract between the Claimant and the landowner (which in this case is Standard Life Investments UK) to provide evidence that there is an agreement in place with landowner with the necessary authority to issue parking charge notices and to pursue payment by means of litigation.  3.3 Proof of planning permission granted for signage etc under the Town and country Planning Act 1990. Lack of planning permission is a criminal offence under this Act and no contract can be formed where criminality is involved.  3.4        I also do not believe the claimant possesses these documents.  No Keeper Liability  5.1        The defendant was not the driver at the time and date mentioned in the PCN and the claimant has not established keeper liability under schedule 4 of the PoFA 2012. In this matter, the defendant puts it to the claimant to produce strict proof as to who was driving at the time.  5.2 The claimant in their Notice To Keeper also failed to comply with PoFA 2012 Schedule 4 section 9[2][f] while mentioning “the right to recover from the keeper so much of that parking charge as remains unpaid” where they did not include statement “(if all the applicable conditions under this Schedule are met)”.    5.3        The claimant did not mention the parking period instead only mentioned time 20:25 which is not sufficient to qualify as a parking period.   Protection of Freedoms Act 2012  The notice must -  (a) specify the vehicle, the relevant land on which it was parked and the period of parking to which the notice relates; 22. In the persuasive judgement K4GF167G - Premier Park Ltd v Mr Mathur - Horsham County Court – 5 January 2024 it was on this very point that the judge dismissed this claim. 5.4  A the PCN does not comply with the Act the Defendant as keeper is not liable. No Breach of Contract  6.1      No breach of contract occurred because the PCN and contract provided as part of the defendant’s CPR request shows a different post code, the PCN shows HA4 0EY while the contract shows HA4 0FY.  6.2        The wording “Electric Bay Abuse” is not listed on their signs nor there is any mention on the contract of any electric charging points at all let alone who can park there or use them.  Interest 6.2  It is unreasonable for the Claimant to delay litigation for Double Recovery  7.1  The claim is littered with made-up charges. 7.2  As noted above, the Claimant's signs state a £60 charge yet their PCN is for £100. 7.3  As well as the £100 parking charge, the Claimant seeks recovery of an additional £70.  This is simply a poor attempt to circumvent the legal costs cap at small claims. 29. Since 2019, many County Courts have considered claims in excess of £100 to be an abuse of process leading to them being struck out ab initio. An example, in the Caernarfon Court in VCS v Davies, case No. FTQZ4W28 on 4th September 2019, District Judge Jones-Evans stated “Upon it being recorded that District Judge Jones- Evans has over a very significant period of time warned advocates (...) in many cases of this nature before this court that their claim for £60 is unenforceable in law and is an abuse of process and is nothing more than a poor attempt to go behind the decision of the Supreme Court v Beavis which inter alia decided that a figure of £160 as a global sum claimed in this case would be a penalty and not a genuine pre-estimate of loss and therefore unenforceable in law and if the practise continued, he would treat all cases as a claim for £160 and therefore a penalty and unenforceable in law it is hereby declared (…) the claim is struck out and declared to be wholly without merit and an abuse of process.” 30. In Claim Nos. F0DP806M and F0DP201T, District Judge Taylor echoed earlier General Judgment or Orders of District Judge Grand, stating ''It is ordered that the claim is struck out as an abuse of process. The claim contains a substantial charge additional to the parking charge which it is alleged the Defendant contracted to pay. This additional charge is not recoverable under the Protection of Freedoms Act 2012, Schedule 4 nor with reference to the judgment in Parking Eye v Beavis. It is an abuse of process from the Claimant to issue a knowingly inflated claim for an additional sum which it is not entitled to recover. This order has been made by the court of its own initiative without a hearing pursuant to CPR Rule 3.3(4)) of the Civil Procedure Rules 1998...'' 31. In the persuasive case of G4QZ465V - Excel Parking Services Ltd v Wilkinson – Bradford County Court -2 July 2020 (Exhibit 4) the judge had decided that Excel had won. However, due to Excel adding on the £60 the Judge dismissed the case. 7.7        The addition of costs not previously specified on signage are also in breach of the Consumer Rights Act 2015, Schedule 2, specifically paras 6, 10 and 14.  7.8        It is the Defendant’s position that the Claimant in this case has knowingly submitted inflated costs and thus the entire claim should be similarly struck out in accordance with Civil Procedure Rule 3.3(4).  In Conclusion  8.1        I invite the court to dismiss the claim. Statement of Truth I believe that the facts stated in this witness statement are true. I understand that proceedings for contempt of court may be brought against anyone who makes, or causes to be made, a false statement in a document verified by a statement of truth without an honest belief in its truth. 
    • Scottish time bar: Scottish appeal court re-affirms the “harsh” rule (cms-lawnow.com)  
    • I suppose I felt my defence would be that it was an honest mistake and even the initial £60 charges seemed unjust, let alone the now two £170's he is now demanding. There is no Justpark code for 'Sea View' on the signs in the car park and the first/nearest car park that comes up when you're in the Sea View car park is the 'Polzeath beach car park'. If I have to accept that I need to pay £340 to avoid the stress of him maybe taking me to court, then so be it. If people here advise me I don't have a case then I will just have to pay.
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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.

      Please note that a recent case against UPS failed on exactly the same issue with the judge held that the Contracts (Rights of Third Parties) Act 1999 did not apply.

      We will be getting that transcript very soon. We will look at it and we will understand how the judge made such catastrophic mistakes. It was a very poor judgement.
      We will be recommending that people do include this adverse judgement in their bundle so that when they go to county court the judge will see both sides and see the arguments against this adverse judgement.
      Also, we will be to demonstrate to the judge that we are fair-minded and that we don't mind bringing everything to the attention of the judge even if it is against our own interests.
      This is good ethical practice.

      It would be very nice if the parcel delivery companies – including EVRi – practised this kind of thing as well.

       

      OT APPROVED, 365MC637, FAROOQ, EVRi, 12.07.23 (BRENT) - J v4.pdf
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Pugsley v Land of leather,Open and Direct


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this company is on my hit list so will be putting down any info I find on them to try and sort this extortionate agreement I have with them, they have given me excessive charges and have never answered one of my letters, they are Belfast

 

 

 

 

OFT gets fairer deal from Land of Leather

 

 

129/04 19 August 2004

Furniture company Land of Leather has agreed to give consumers a fairer deal following action by the OFT.

 

The OFT had received complaints about the use of unfair terms in Land of Leather's contracts, delay in delivery of goods, goods being supplied that were not of satisfactory quality and misleading advertising of 'interest-free' credit.

 

Kent trading standards service contacted the OFT about terms and conditions being used by Land of Leather including terms that:

  • gave unequal cancellation rights - cancellation had to be agreed by the company and incurred a minimum 25 per cent charge even when the supplier was in breach
  • explicitly disclaimed liability for employees' oral statements
  • sought to restrict liability for faulty goods by imposing a refundable £25 charge for making a claim for goods between one month and a year old.

Credit deals were advertised as 'free until 2004', 'free for a whole year' and 'everything's free until 2005' when in fact interest accrued from the beginning of the agreement if the whole balance was not paid off within a specified period. The OFT considered this to be misleading under of the Consumer Credit Act 1974 and in breach of the Consumer Credit (Advertisement) Regulations 1989.

 

The OFT approached Land of Leather which reacted positively to the OFT's approach and is putting in place a number of measures to improve compliance with the legislation.

 

In addition Land of Leather has signed undertakings that it will no longer use the unfair terms, will amend its credit advertising and will not breach certain terms implied by the Sale of Goods Act 1979.

 

Welcoming the undertakings Christine Wade, OFT Consumer Regulation Enforcement Director, said:

 

'Consumers have a right to expect goods to be of satisfactory quality and delivered on time, for advertising to be accurate and not to have their legal rights undermined by unfair terms. Where companies breach consumer legislation we will take action to protect consumers.'

NOTES

 

1. The Unfair Terms in Consumer Contracts Regulations (UTCCRs) came into force in 1999 (superseding the UTCCRs 1994) and apply to standard contract terms used with consumers in contracts made after 1 July 1995. The UTCCRs protect consumers against unfair standard terms in contracts they make with traders.

The OFT, together with certain other bodies, can take legal action to prevent the use of potentially unfair terms. A term is unfair if it causes a significant imbalance in the parties' rights and obligations under the contract, to the detriment of consumers. Standard terms may be drafted to protect commercial needs but must also take account of the interests and rights of consumers by going no further than is necessary to protect those legitimate commercial interests. An unfair term in a contract covered by the UTCCRs is not binding on the consumer. Ultimately, only a court can decide whether a term is unfair.

2. The Consumer Credit Act 1974 prohibits credit advertisements which convey information which in a material respect is false or misleading.

 

In addition the OFT took the view that the use of 'free until 2004', 'free for a whole year' and 'everything's free until 2005' breached the Consumer Credit (Advertisements) Regulations 1989. Effectively, the regulations ban any advert that indicates that the consumer would be liable to pay no more on credit than he would if he bought it for cash where that is not in fact the case.

 

The Consumer Credit (Advertisements) Regulations 1989 are to be replaced by the Consumer Credit (Advertisements) Regulations 2004 as from 31 October 2004. However the new regulations will still ban such adverts.

3. The Sale of Goods Act 1979 sets out the law governing contracts for the sale of goods including formation of contract, implied terms, remedies for breach and performance of the contract. Under s.14(2) there is a term implied into contracts that the goods must be of satisfactory quality. This includes, amongst other things, being fit for the purpose(s) they are commonly supplied for and being satisfactory taking into account the description of the goods. Where goods supplied are faulty the consumer is entitled to reject them and claim a refund providing they are not deemed to have accepted the fault. Consumers also have the right to require the seller to repair or replace faulty goods, provided this is possible and not disproportionate, and that this is carried out within a reasonable time. Under s.29 where the seller is to send goods to the consumer but there is no fixed time for sending them then there is also a term implied into the consumer's contract that they will be sent within a reasonable time.

4. Part 8 to the Enterprise Act 2002 came into force in June 2003 and improves consumer protection by giving enforcers such as the OFT and trading standards services strengthened powers to obtain court orders against traders that breach a range of specified consumer legislation to the detriment of the collective interests of consumers.

 

Barclaycard Student credit card £400 partial refund received, S.A.R -

Open & Direct Finance- extortionate, cca to Rockwell debt collection they ran away, now with Bryan Carter, no cca 17/03/08 sent back to Open

Pugsley v Littlwoods, have not received the signed credit agreement only quoting reg of 1983

Pugsley v Fashion World JD williams, 17/03 2008 Debt Managers returning file to JD williams as they could not supply the credit agreement

Capital one MCOL Settled in full

Smile lba settled in full

advice is given informally and without liability and without prejudice.

 

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watchdog website

24 October 2005

 

More than 600 customers have contacted Watchdog to complain about Land of Leather.

Tammy and Dewbien Hlabangana purchased a sofa set from Land of Leather for £699 in May 2004. They were told the set would be delivered in August, 12 weeks later. When August arrived, the family were given just 24 hours' notice to prepare for delivery. Yet the Land of Leather terms and conditions allow for three days to arrange a convenient time, so the Hlabanganas asked for the sofa to be delivered the following week. Despite this, 21 weeks have passed and the sofas still haven't been delivered.

Louise White purchased her sofa from Land of Leather in April 2005. When the suite was delivered, each sofa had extensive markings on the leather. In addition, when White attempted to recline the sofas, she discovered that some of the feet at the bottom of the sofa were missing and that whenever she reclined the chair it scraped her wooden floorboards. Land of Leather refused to acknowledge White's complaint that her sofas are damaged and billed her for £2,998.

Watchdog has also heard from a number of customers who purchased sofas from Land of Leather on a 'buy-now, pay-later' agreement, where payment isn't due until 12 months after purchase. It seems that some customers aren't sent reminders advising that payment is due, while others received their reminders almost eight months prior to the payment date. In all of these cases, once the customer has failed to make the payment by the specified date, interest for the previous 12 months is accrued. In one example, a customer who purchased a sofa for £1,188 missed the payment date by 20 days and now has to pay a total bill of £2,333.

This isn't the first time Land of Leather has been criticised by customers. In 2004, the Office of Fair Trading (OFT) received complaints about Land of Leather contracts, delays in delivery, unsatisfactory goods and misleading advertising of interest-free credit. At that point, Land of Leather, promised to improve things.

Land of Leather is disappointed to hear we've had so many complaints about the company because it shifts 400,000 items of furniture a year and has high customer satisfaction. It's had a problem with one supplier which affected the Hlabanganas. White will get a full refund and costs paid. Land of Leather says it has made several changes in its procedures since the OFT statement last year. As to the interest reminders, these are the responsibility of its finance company.

 

Barclaycard Student credit card £400 partial refund received, S.A.R -

Open & Direct Finance- extortionate, cca to Rockwell debt collection they ran away, now with Bryan Carter, no cca 17/03/08 sent back to Open

Pugsley v Littlwoods, have not received the signed credit agreement only quoting reg of 1983

Pugsley v Fashion World JD williams, 17/03 2008 Debt Managers returning file to JD williams as they could not supply the credit agreement

Capital one MCOL Settled in full

Smile lba settled in full

advice is given informally and without liability and without prejudice.

 

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IT's finance company is Open and Direct Finance and I can't find anything on them as yet, I have sent them countless letters though which they have not replied to any. all the while my balance has been going up very fast, i.e if they send me a letter they charge me £100

 

Barclaycard Student credit card £400 partial refund received, S.A.R -

Open & Direct Finance- extortionate, cca to Rockwell debt collection they ran away, now with Bryan Carter, no cca 17/03/08 sent back to Open

Pugsley v Littlwoods, have not received the signed credit agreement only quoting reg of 1983

Pugsley v Fashion World JD williams, 17/03 2008 Debt Managers returning file to JD williams as they could not supply the credit agreement

Capital one MCOL Settled in full

Smile lba settled in full

advice is given informally and without liability and without prejudice.

 

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I have signed this credit agreement wrong!!!!!!!!! I signed accepted the payment protection plan then signed waiving the payment protection plan, it should have been sent back to me surely???? this is on the main credit agreement!

 

 

 

Barclaycard Student credit card £400 partial refund received, S.A.R -

Open & Direct Finance- extortionate, cca to Rockwell debt collection they ran away, now with Bryan Carter, no cca 17/03/08 sent back to Open

Pugsley v Littlwoods, have not received the signed credit agreement only quoting reg of 1983

Pugsley v Fashion World JD williams, 17/03 2008 Debt Managers returning file to JD williams as they could not supply the credit agreement

Capital one MCOL Settled in full

Smile lba settled in full

advice is given informally and without liability and without prejudice.

 

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over £700 interest wow that's over 100%

 

Barclaycard Student credit card £400 partial refund received, S.A.R -

Open & Direct Finance- extortionate, cca to Rockwell debt collection they ran away, now with Bryan Carter, no cca 17/03/08 sent back to Open

Pugsley v Littlwoods, have not received the signed credit agreement only quoting reg of 1983

Pugsley v Fashion World JD williams, 17/03 2008 Debt Managers returning file to JD williams as they could not supply the credit agreement

Capital one MCOL Settled in full

Smile lba settled in full

advice is given informally and without liability and without prejudice.

 

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default notice 11 april 2006 £1800.40

 

charges applied

 

jan 06 arrears £75.00 + admin fee of £30 applied and debited to my agreement

 

th feb arrears £125.

 

an admin letter of £25 added for sending letter

 

I sent them a letter offering £10 per month, no reply

 

25th april offering new management plan, standard letter not acknowledging my earlier letters, this will clear all my arrears incorporate all your agreements together at a reduced interest rate giving me a single monthly repayment, think this might be some sot of ploy

 

solictors letter admin fee £100 /04/06

tracing fee £30 5th march 2006 after I had wrote making an offer, my address hasn't changed, I wrote a few time to them but they never acknowledge any letters

 

01 feb 06 admin fee £25.00 for letter

12 may 2006 open and direct letter send an administration fee of £100 has been added to facilitate transfer under the terms and conditions

balance now £1940

consumer collection limited send me a letter charging £25 admin fee they have been instructed by open and direct services ltd to recover a payment

 

 

 

I sent them a letter -02-06 saying income low and making an offer to pay 10 monthly

 

1-03-06 wrote a letter complaining about tracing fee, no reply

 

Barclaycard Student credit card £400 partial refund received, S.A.R -

Open & Direct Finance- extortionate, cca to Rockwell debt collection they ran away, now with Bryan Carter, no cca 17/03/08 sent back to Open

Pugsley v Littlwoods, have not received the signed credit agreement only quoting reg of 1983

Pugsley v Fashion World JD williams, 17/03 2008 Debt Managers returning file to JD williams as they could not supply the credit agreement

Capital one MCOL Settled in full

Smile lba settled in full

advice is given informally and without liability and without prejudice.

 

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-06-06 sent them a letter offering £10 again this time to Rockwell debt recovery, asked for a means test form, which I haven't filled in as yet

 

Barclaycard Student credit card £400 partial refund received, S.A.R -

Open & Direct Finance- extortionate, cca to Rockwell debt collection they ran away, now with Bryan Carter, no cca 17/03/08 sent back to Open

Pugsley v Littlwoods, have not received the signed credit agreement only quoting reg of 1983

Pugsley v Fashion World JD williams, 17/03 2008 Debt Managers returning file to JD williams as they could not supply the credit agreement

Capital one MCOL Settled in full

Smile lba settled in full

advice is given informally and without liability and without prejudice.

 

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I need some advice on how to proceed with this complicated agreement? Please

 

Barclaycard Student credit card £400 partial refund received, S.A.R -

Open & Direct Finance- extortionate, cca to Rockwell debt collection they ran away, now with Bryan Carter, no cca 17/03/08 sent back to Open

Pugsley v Littlwoods, have not received the signed credit agreement only quoting reg of 1983

Pugsley v Fashion World JD williams, 17/03 2008 Debt Managers returning file to JD williams as they could not supply the credit agreement

Capital one MCOL Settled in full

Smile lba settled in full

advice is given informally and without liability and without prejudice.

 

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aggrement signed by me on 1/11/04

 

posted to them and they have signed it on 1/11/04 too

 

Barclaycard Student credit card £400 partial refund received, S.A.R -

Open & Direct Finance- extortionate, cca to Rockwell debt collection they ran away, now with Bryan Carter, no cca 17/03/08 sent back to Open

Pugsley v Littlwoods, have not received the signed credit agreement only quoting reg of 1983

Pugsley v Fashion World JD williams, 17/03 2008 Debt Managers returning file to JD williams as they could not supply the credit agreement

Capital one MCOL Settled in full

Smile lba settled in full

advice is given informally and without liability and without prejudice.

 

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should I do a SAR first? the ppi wasn't done properly so shlould be taken off surely its about £211 + interest at about 100% was put on this amount. If I can get this taken off it will help. Now i know that unsigned agreement are unforceable but this was signed and not signed all at the same time, trust me lol

 

Barclaycard Student credit card £400 partial refund received, S.A.R -

Open & Direct Finance- extortionate, cca to Rockwell debt collection they ran away, now with Bryan Carter, no cca 17/03/08 sent back to Open

Pugsley v Littlwoods, have not received the signed credit agreement only quoting reg of 1983

Pugsley v Fashion World JD williams, 17/03 2008 Debt Managers returning file to JD williams as they could not supply the credit agreement

Capital one MCOL Settled in full

Smile lba settled in full

advice is given informally and without liability and without prejudice.

 

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I haven not acknowledged the debt only made offers to pay a reduced monthy fee, saying i'm skint etc, and haven't seen anything on my experian credit file even though a default, of course it might be on equifax or call credit.

 

Barclaycard Student credit card £400 partial refund received, S.A.R -

Open & Direct Finance- extortionate, cca to Rockwell debt collection they ran away, now with Bryan Carter, no cca 17/03/08 sent back to Open

Pugsley v Littlwoods, have not received the signed credit agreement only quoting reg of 1983

Pugsley v Fashion World JD williams, 17/03 2008 Debt Managers returning file to JD williams as they could not supply the credit agreement

Capital one MCOL Settled in full

Smile lba settled in full

advice is given informally and without liability and without prejudice.

 

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interest is charged on ppi, is that allowed

 

i am also in same boat with creditcover(ppi), sent letters to cancel ppi but got standard letters charging 20-30pound for reply, so i sent a letter saying i lost my job and would like to avail of the ppi

 

prob will cancel it now

-----------------------------------------------

Mortgage Express charges- settled in full after issuing claim

 

------------------------------------------------

To view the FAQ'S click here: http://www.consumeractiongroup.co.uk/forum/faqs-please-read-these/

To view the PRELIM letter click here: http://www.consumeractiongroup.co.uk/forum/bank-templates-library/516-1-data-protection-act.html

To view the Letter Before Action click here: http://www.consumeractiongroup.co.uk/forum/bank-templates-library/92-3-letter-before-action.html

To find Registered Address:

http://www.esd.informationcommissioner.gov.uk/esd/search.asp

 

 

If my advise helps click here http://www.consumeractiongroup.co.uk/forum/reputation.php?p=366404

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I was charged interest on ppI

 

Barclaycard Student credit card £400 partial refund received, S.A.R -

Open & Direct Finance- extortionate, cca to Rockwell debt collection they ran away, now with Bryan Carter, no cca 17/03/08 sent back to Open

Pugsley v Littlwoods, have not received the signed credit agreement only quoting reg of 1983

Pugsley v Fashion World JD williams, 17/03 2008 Debt Managers returning file to JD williams as they could not supply the credit agreement

Capital one MCOL Settled in full

Smile lba settled in full

advice is given informally and without liability and without prejudice.

 

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how frustrating,

after my attempts to cancel ppi

igot charged

 

1st letter £25

2nd 30

3rd £100.00

 

grrrrrr

-----------------------------------------------

Mortgage Express charges- settled in full after issuing claim

 

------------------------------------------------

To view the FAQ'S click here: http://www.consumeractiongroup.co.uk/forum/faqs-please-read-these/

To view the PRELIM letter click here: http://www.consumeractiongroup.co.uk/forum/bank-templates-library/516-1-data-protection-act.html

To view the Letter Before Action click here: http://www.consumeractiongroup.co.uk/forum/bank-templates-library/92-3-letter-before-action.html

To find Registered Address:

http://www.esd.informationcommissioner.gov.uk/esd/search.asp

 

 

If my advise helps click here http://www.consumeractiongroup.co.uk/forum/reputation.php?p=366404

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wow I thought my £100 letter charge was a record, what are you going to do about them?

 

Barclaycard Student credit card £400 partial refund received, S.A.R -

Open & Direct Finance- extortionate, cca to Rockwell debt collection they ran away, now with Bryan Carter, no cca 17/03/08 sent back to Open

Pugsley v Littlwoods, have not received the signed credit agreement only quoting reg of 1983

Pugsley v Fashion World JD williams, 17/03 2008 Debt Managers returning file to JD williams as they could not supply the credit agreement

Capital one MCOL Settled in full

Smile lba settled in full

advice is given informally and without liability and without prejudice.

 

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the £100 charge was for administration for sending out solicitor letter saying arrears had to be paid to the creditor. May have been inhouse solicitors

-----------------------------------------------

Mortgage Express charges- settled in full after issuing claim

 

------------------------------------------------

To view the FAQ'S click here: http://www.consumeractiongroup.co.uk/forum/faqs-please-read-these/

To view the PRELIM letter click here: http://www.consumeractiongroup.co.uk/forum/bank-templates-library/516-1-data-protection-act.html

To view the Letter Before Action click here: http://www.consumeractiongroup.co.uk/forum/bank-templates-library/92-3-letter-before-action.html

To find Registered Address:

http://www.esd.informationcommissioner.gov.uk/esd/search.asp

 

 

If my advise helps click here http://www.consumeractiongroup.co.uk/forum/reputation.php?p=366404

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the £100 charge was for administration for sending out solicitor letter saying arrears had to be paid to the creditor. May have been inhouse solicitors

 

Still not a lawful charge.

 

Anyway solicitors charge £13.50 per letter to their client, so this company are trying to rip you off again. Also legal fees if not by consent are only recoverable if claim issued.

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open and direct are a drastic company, just waiting to c wat response i get from oft

-----------------------------------------------

Mortgage Express charges- settled in full after issuing claim

 

------------------------------------------------

To view the FAQ'S click here: http://www.consumeractiongroup.co.uk/forum/faqs-please-read-these/

To view the PRELIM letter click here: http://www.consumeractiongroup.co.uk/forum/bank-templates-library/516-1-data-protection-act.html

To view the Letter Before Action click here: http://www.consumeractiongroup.co.uk/forum/bank-templates-library/92-3-letter-before-action.html

To find Registered Address:

http://www.esd.informationcommissioner.gov.uk/esd/search.asp

 

 

If my advise helps click here http://www.consumeractiongroup.co.uk/forum/reputation.php?p=366404

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thanks Jon have read some of it, my contract isn't that bad and the insurance although included in the credit amount was with another company so a bit different. The extortionate side I really need to find out some more about this and get my old 2003 contract books out of the loft and print this case out and go through it all, I think I will take it as far as I can and possibly pay a solicitor at a later stage.

 

 

first things first is to get them to send the credit agreement to me, as they are so bad at answering letters it's got to be recorded. I have paid for my credit reference and am waiting to see what is on it from open and direct.

 

I did agree in the contract to pay £100 ( well I have a list of charges, but I'm not sure if they are in the credit agreement as such, just a separate sheet) for a solictors letter which they charged me, but they also charged for a normal letter the same price which wasn't in the terms.

 

this is going to be my most complicated claim I think, it's quite scary really

 

Barclaycard Student credit card £400 partial refund received, S.A.R -

Open & Direct Finance- extortionate, cca to Rockwell debt collection they ran away, now with Bryan Carter, no cca 17/03/08 sent back to Open

Pugsley v Littlwoods, have not received the signed credit agreement only quoting reg of 1983

Pugsley v Fashion World JD williams, 17/03 2008 Debt Managers returning file to JD williams as they could not supply the credit agreement

Capital one MCOL Settled in full

Smile lba settled in full

advice is given informally and without liability and without prejudice.

 

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Share on other sites

dont think anything will show on cra about o&d. I also think they will be very hard to deal with.

-----------------------------------------------

Mortgage Express charges- settled in full after issuing claim

 

------------------------------------------------

To view the FAQ'S click here: http://www.consumeractiongroup.co.uk/forum/faqs-please-read-these/

To view the PRELIM letter click here: http://www.consumeractiongroup.co.uk/forum/bank-templates-library/516-1-data-protection-act.html

To view the Letter Before Action click here: http://www.consumeractiongroup.co.uk/forum/bank-templates-library/92-3-letter-before-action.html

To find Registered Address:

http://www.esd.informationcommissioner.gov.uk/esd/search.asp

 

 

If my advise helps click here http://www.consumeractiongroup.co.uk/forum/reputation.php?p=366404

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PPI is always with a different company. The fact the seller has used a particular Insurance Company is irrelevant to you. The selling company is liable.

 

We ALL agreed to pay the charges until we found out they are unlawful as are the solicitors as believe me they do not represent the actual cost to the selling company.

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PPI is always with a different company. The fact the seller has used a particular Insurance Company is irrelevant to you. The selling company is liable.

 

We ALL agreed to pay the charges until we found out they are unlawful as are the solicitors as believe me they do not represent the actual cost to the selling company.

 

Thanks good points, at the time I never intended to go into the red anyway, but circumstances change, I was intending to pay it all off within the year, but my income went down considerably and unexpectedly (CSA!). The case mentions no insurance company (they couldn't find a policy with anyone) that is why I was getting confused.

 

Nathal I think open and direct are on my credit record for equifax, because I when I went through one of the questions asked for was have you a loan with open and direct, lombard etc and you had to chose a, b,or c etc.

 

Barclaycard Student credit card £400 partial refund received, S.A.R -

Open & Direct Finance- extortionate, cca to Rockwell debt collection they ran away, now with Bryan Carter, no cca 17/03/08 sent back to Open

Pugsley v Littlwoods, have not received the signed credit agreement only quoting reg of 1983

Pugsley v Fashion World JD williams, 17/03 2008 Debt Managers returning file to JD williams as they could not supply the credit agreement

Capital one MCOL Settled in full

Smile lba settled in full

advice is given informally and without liability and without prejudice.

 

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