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    • Updated, in bold, my apologies.   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.   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. Paragraphs 1 & 3 are denied .The Claimant claims £3897281 is owed under a regulated agreement with HBOS on 27/08/2016. I have had past financial dealing with HBOS but I do not recognise any details of the agreement number referenced. The Claimant fails state what type of credit this agreement relates to in their vague particulars of claim.    3. On receipt of the claim form, the Defendant sent on date 28 August 2020 a request by way of a section 78 pursuant to the Consumer Credit Act 1974, for a copy of the agreement to the Claimant and on date 28 August 2020 a CPR 31:14 request to their solicitors. To Date both remain in default of my requests and have failed to reply.   4. Paragraph 2 is Denied. I have never received a Section 87 Default Notice form either the Original Creditor nor the Claimant dated 05/08/2019    5. It is therefore denied with regards to the Defendant owing any monies to the Claimant and the Claimant is put to strict proof to:  (a) show how the Defendant has entered into an agreement; and  (b) show and evidence any cause of action and service of a Default Notice  (c) 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;    6. As per Rule 16.5(4), it is expected that the Claimant prove the allegation that the money is owed.    7. 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 82 A of the consumer credit Act 1974.    8. By reasons of the facts and matters set out above, it is denied that the Claimant is entitled to the relief claimed or any relief.
    • I would suggest a couple of extra bits -   Dear Sirs please note that in July 2019 I lived at xxxxx but my current address is xxxxx. I would suggest you tell your client to either employ people with a modicum of common sense or intelligence or buy a better ANPR system that is capable of recognising a simple reg number error. On the day in question payment was made via the RingGo app according to the enclosed receipt.   A simple cursory cross-check of vehicle parking payments versus the ANPR records would show that Premier Park Ltd received payment for parking of a vehicle not detected by the cameras.   The timestamp of this payment coincides with the time when the vehicle specified above was picked up by ANPR.   No money was refunded so Premier Park Ltd have already been paid for the parking used on the day.   Their records should be updated accordingly.  If required I would provide this evidence in court to demonstrate that Premier Park Ltd have been paid for vehicle parking on the date in question and that the claim arose only due to an administrative error.   Your client have suffered no loss for which to pursue me.  I'm sure you're aware of the term “de minimis”. I also point you to new Appeals Charter from their supposed independent organisation the BPA, whereby they state ...this will remove many of the perceived and real injustices, for example, a permit falling off a dashboard or a simple keying error. I could do with financing a winter holiday so if your client wishes to proceed to court with this matter I shall enjoy obtaining a full costs order for unreasonable behaviour under CPR27.14(2)(g). Regards COPIED TO Premier Park Ltd.   As you've never told Premier Park your new address it's not impossible that they might try to resurrect this claim in future and send the court papers to your old address and you'd know nowt about it.  Another reason for also sending the letter to Premier Park is that this fleecing isn't confined to PPC v motorist, unscrupulous solicitors are quite willing to start court action even though they know their client will lose to get the £££ in. I've also been a bit more abusive to show them you're not frightened of their threats 😉      
    • Hi all   On checking my credit file, I found a CCJ from ASSET LINK CAPITAL. Upon checking with the court, they have sent the POC to me by email which states:    The particulars of the claim are:  THE CLAIMANT CLAIMS THE WHOLE OF THE         OUTSTANDING BALANCE DUE AND PAYABLE UNDER AN AGREEMENT REFERENCED 4929107********  AND    OPENED EFFECTIVE FROM XX/XX/2000. THE        AGREEMENT IS REGULATED BY THE CONSUMER       CREDIT ACT 1974, WAS SIGNED BY THE DEFENDANT AND FROM WHICH CREDIT WAS EXTENDED TO THE    DEFENDANT. THE DEFENDANT FAILED TO MAKE      PAYMENT AS REQUIRED AND BY **/12/2015 A      DEFAULT WAS RECORDED. AS AT 30/09/2016 THE   DEFENDANT OWED BARCLAYCARD PLC THE SUM OF    809046. BY AN AGREEMENT IN WRITING THE       BENEFIT OF THE DEBT HAS BEEN LEGALLY         ASSIGNED TO THE CLAIMANT EFFECTIVE           30/09/2016 AND MADE REGULAR UPON THE         CLAIMANT SERVING A NOTICE OF ASSIGNMENT UPON THE DEFENDANT SHORTLY THEREAFTER. AND THE    CLAIMANT CLAIMS- 1. 81**** 2. INTEREST       PURSUANT TO SECTION 69 COUNTY COURT ACT      (1984) AT A RATE OF 8 % PER ANNUM FROM       30/09/2016 TO 14/02/2020 OF 208571 AND       THEREAFTER AT A DAILY RATE OF 171 TO DATE OF JUDGMENT OR SOONER PAYMENT. DATE 14/02/2020                                                 The claimant details are:  ASSET LINK CAPITAL (NO5)  LIMITED   The claim amount details are:   Amount Claimed  £10***.17 Court Fee  £457.93 Solicitor Costs  £100.00 Total     £10***.10   The claimant solicitors’ details are:   KEARNS SOLICITORS BRECON HOUSE 3 CAERPHILLY BUSINESS PARK CAERPHILLY CF83 3GQ Telephone: 0292 0808668 Reference: 4929107***********   I've removed certain info to try and provide some anonymity, I hope that doesn't muddy anything.   The CCJ was obtained by default after they wrote to my old address.   Back in 2015, I CCA'd Barclaycard and they sent a standard response with reconstituted EGG T&C's which state 'Applicable to customers who applied from 01 October 2001'.  As the POC confirms, I opened the account in 2000, before the supplied T&C's would have been applicable.   It also included a Barclaycard Credit Card Agreement with my details filled in (including my address in 2015, not in 2000)   I stopped payments at the time of sending the CCA.   I haven't made any payments since (though I appreciate it's not SB)   I want to apply for it to be set aside and would appreciate any help in what to use as a 'draft defence'   I don't believe that Barclaycard complied with the CCA request so would the account have been effectively in dispute since 2015?  If so, would it be wise of me to supply a draft defence along the lines that I wrote to Barclaycard in 2015 and consider the account to have been in dispute since that time?   My goal is to try and keep any application to set aside simple..    Alternatively, would it be better for me to simply state that without any documentation from the creditor, it's impossible for me to set out a complete defence and ask the DDJ to be set aside along with an order for the Claimant to provide all the necessary documentation?   Thanks in advance!    
    • Good afternoon Everyone,    Im new here and was advised to come here to try to help get some answers!   I recently received a letter from Lowell about some debt that is roughly 5 years old now.    It’s for EDF energy and capital one credit card both on the same claim form?   im not sure it’s even a legit claim form but how would I know?   I just don’t know what to do about it ? Ignore it or contact them?   thank you all In advance.     
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    • I’m in desperate need of help
      I bought some clothes online in may through Evans and paid through PayPal
      returned them all seven days later
      I waited the 14days for my refund and no refund came
      I put in a dispute through PayPal but I didn’t get any emails to escalate the case - PayPal closed it. 
      evans said they couldn’t refund the money because PayPal have cancelled the refund because of the open dispute
      I contacted PayPal
      they said the dispute had been closed but Evans at no point had attempted a refund.
      fast forward to today
      I’ve got copies of numerous messages sent to and from twitter messages as it’s the only way I can contact them
      I’ve also contacted their customer service too
      all I get is PayPal have cancelled refund because dispute is still open.
      I have proved that the dispute is closed
      I have got an email saying that if Evans sent the refund they would accept it
      but up until the date I got the email they have not once attempted a refund .
       I have sent them a letter before court email
      I have even offered to have the full refund as a gift card just to get this sorted !
      I’m literally at the end of my tether and don’t know where to turn next !
      i suffer with mental health issues and this is affecting my health and I’d saved the money for a year to buy these clothes as I’m on a low income .
    • In desperate need of help. https://www.consumeractiongroup.co.uk/topic/425244-in-desperate-need-of-help/&do=findComment&comment=5067040
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£15000 Loan turns into £250,000 **Truely Shocking**

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This is just horrendous. I had a sick feeling in my stomach reading this article. If there is any justice he will be refunded the £250,000 AND given considerable compensation. It makes me very sad to think that the likelihood of this happening is another matter entirely unrelated to justice.

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I am a journalist and have recently contacted producers at the Channel 4 Dispatches programme about running an investigation and subsequent programme on this disgusting state of affairs - debt collection agencies, firms of solicitors acting/masquerading as debt collection agencies, intimidation and all the manner of illegal practices these two-bit organisations embark on. I will also be sending this link to my MP. In my own situation, I can report with glee the seriousness with which the Solicitors Regulation Authority have taken my complaint against the two-bit DCA who is chasing me. I will be pursuing the Channel 4 option, and my MP on this and have made it my mission, along with so many others I know, to bring down these **** bags. If it takes my whole life I will achieve this. My heart goes out to this person's family and friends, and to every other person in this situation. I have had success getting Channel 4 coverage on other issues before, so I am confident on this one. If it achieves nothing else, exposure of these criminals is a must, and it will eventually lead to a change in legislation.

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I seem to recall Channel 4 Dispatches showing a program about DCA's a couple of years ago so its about time another similar type program was shown as this topic is given nowhere near enough attention throughout the mainstream media in my view.

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Something should be done about the RBS before something like this (or worse) happens again. If anyone is willing to take on the RBS and needs documented evidence of mismanagement, lies threats, errors, false accounting etc. etc. I have plenty of documents + recorded telephone conversations that an be used to support these claims. The RBS now want us to sign a "Drop hands agreement", but I would rather not sign if something good could come from our 6years of hell in the hands of RBS, as maybe together we can stop something like this happening to other people?


Very Brief outline of our RBS Problems.

My husband and I been in a battle with the RBS since 2005 when we raised a concern about bank errors on our account expecting the problem to be easily rectified but instead they started to lie, ignore and then threaten us. It's so unbelievable the dirty tricks the RBS use that other people think you're exaggerating. They added £thousands in solicitors fees, court fees, search fees etc. to our account which I'm pretty sure they can't do. They took us to court twice trying to get a summary judgement but failed and it went in our favour. They stopped the 3rd Court Trail shortly before the date against our wishes as we had so much evidence to back up our claims we were prepared to go to court (as we'd been making payments to stop us getting a bad credit rating we believed they'd have to get our permission first, but they didn't) The bank had also suddenly stopped the payments we were paying via their solicitor going into the correct account and then claimed we had not been paying. The CAB, Solicitors, Trading Standards etc, etc. either couldn't or wouldn't help and the Ombudsman just made matters far worse. We had to fight the RBS ourselves which I do not recommend as it consumes your whole life, but is there anyone out their that is willing to take on the RBS and stop this evil madness? If nothing is done to stop the bank acting in this way very soon, I'm sure we will soon be seeing more tragedies far worse than poor Byron's in the news pretty soon.

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This is EXACTLY what faceless people do ... and make a lot of money out of it. Funny I bet overnight he fell from 'dream' customer to 'victim'.

Shame on them all BUT will they feel disgraced - Answer is NO they could not care a s**t?


When I was young I thought that money was the most important thing in life; now that I am old I know that it is. (Oscar Wilde)

--I like to be helpful wherever possible however I'm not qualified in this field. I do consider carefully anything important (normally from personal experience) however please understand that any actions taken are at your own risk--

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Words fail me as this is absolutely discusting.


As individuals there does not appear much we can do apart from take legal action against these parasites. As a group we should achieve far more. So the question must arise what can we do as a group ?

I have had a problem with CITI which the account is now OPUS owned by BOS and now OPUS are moving the agreement to "between myself and Progressive Credit Limited) It would appear that every time you submit a formal complaint they move you on. Why? They either fail to reply to your correspondence altogether or take months in replying totally dismissing ur complaint and closing the "file".

I am however, not giving up and sooner or later judgement day will come.

ps does anybody have a copy of CITI terms and conditions pre December 2008?

Regards to all

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Is it any wonder that the banking system collapsed & the economy is in chaos when we read stories like this?

We need to stand up to the banking terrorists in this country!

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I'm only £35K in debt with no chance of ever paying it back and feel like topping myself on a regular basis ..... But this poor guy must have been ripped apart inside.


It's disgusting what these scumbags do to people

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Hi Fred, Did you find out any info on Bank-related deaths/attempted suicides? I'd also be interested to find out what the response from your MP is.

Best Wishes


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this stuff is all absorbing - the institutions do a policy of attrition.

in order not to comply - in the desperate condition this man was in???

you need a law degree an MBA and accountancy qualifications even to

do whats recommended on this site


lets face it cab fos none of them really want to help consumers

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