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    • Yes you should take this view, but this is nothing to worry about you will be fine. you have a very well edited WX im sure although I haven't actually looked at it because I can't seem to work out which one is the new one anymore, although I do remember something previously. however if i remember it right its just a lost parcel via packlink and no insurance which frankly is pretty straightforward and should be a copy of farooq v evri. Have I understood the case right? Please tell me if not as there is rather a lot on this forum
    • well in every other thread advocate or not evri always send a cpr27.9 because they never turn up. I don't think we've seen a thread here without one. Maybe @BankFodder can tell me if i've missed one, but all of the ones I can remember there has been a cpr 27.9 notice even when an advocate has attended and from my own knowledge also I've always had CPR 27.9 advocate or not. I dont think there is a single thread on this forum where evri have shown up themselves and similarly I don't think there is a single thread where they dont send notice (aside from this)
    • OK, thanks.  Jake Burgess is well known to us - and well despised. Friday would be great as then there would be the weekend to tweak things. 👍
    • Thanks FTMDave.  VCS's WS was from Jake Burgess.  I will draft my WS and share with copies of court order, and VCS's exhibits asap.  I'm away tomorrow so more likely Friday.  Thanks again for the advice   
    • Thanks. Time to move on this. 1.  You need to tweak the magnificent WS that dx suggested.  Adapt it to your case.  It should take you about half an hour (I recently wrote a WS from scratch during a train journey which wasn't optimum 😂 with lots of cross referencing and it took me an hour an half, you have one already cooked thanks to dx). 2.  We will add bits to ridicule VCS's WS - it's rich that they moan about your defence being standard when their Particulars of Claim are too and also include the rubbish about keeper/driver that has been criticised numerous times by the courts. 3.  Who wrote their WS?  Was it Mohammed Wali or Ambreen Arshad or have they got someone new? 4.  We need to see a good chunk of VCS's exhibits.  I don't get why we have to keep asking you for things rather than them being volunteered.  Isn't it obvious that we can't help you compile a decent WS if we can't see what the other side is arguing?  All their silly signs aren't needed, but any contract with the landowner is important as are all the photos of your vehicle. 5.  You've never shown us the court order which fixes the hearing date.  It should be obvious we need to see what the court has ordered.  This is the second time we've asked. 6.  VCS were using Elms Legal.  Are Elms Legal still involved? 
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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.

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      OT APPROVED, 365MC637, FAROOQ, EVRi, 12.07.23 (BRENT) - J v4.pdf
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Cap1 & CCA return


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nice to see you posting Peter, I hope you are well

 

Sandy x:)

 

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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HI thanks Pugs;ey I am getting ther slowly

 

A set of T and cs stapled to a a signature document does not make the two part of the same document.

 

The whole point is that they have to show that all the requitements regarding your protection were available to you both precontractualy or the agreement is unenforceable under section 55 and at the signing of the agreement section 61/65.

 

Peter

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DO NOT PAY UPFRONT FEES TO COLD CALLERS PROMISING TO WRITE OFF YOUR DEBTS

DO NOT PAY UPFRONT FEES FOR COSTLY TELEPHONE CONSULTATIONS WITH SO CALLED "EXPERTS" THEY INVARIABLY ARE NOTHING OF THE SORT

BEWARE OF QUICK FIX DEBT SOLUTIONS, IF IT LOOKS LIKE IT IS TO GOOD TO BE TRUE IT INVARIABLY IS

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Hi Guys

 

Have been reading through the posts with keen interest on this subject. I have received a number of CCAs (all for credit cards) and all in various formats, as follows....

 

* Some I have only received the current terms and conditions and nothing else

 

* One makes absolutely no reference whatsoever to credit limit

 

* Most I have received the application form which appears to double as a credit agreement with a copy of the current T&Cs (which is a photocopy of the folded A4 sheet - if you know what I mean!)

 

* Some I haven't received anything within 42 days, so I guess the chaps have committed the proverbial criminal offence.

 

* Some of the application forms have no creditor signature - but apparently that doesn't matter because they can sign it later (or so I've read somewhere)

 

Anyone know where I stand on these please?

 

1. If they are over the 42 day limit am I right in thinking they MUST get a court order to execute the document?

 

2. If the documents aren't complete do they have to get a court order to execute the agreement?

 

3. If the agreement does not have all the prescribed terms do they have to get a court order to execute the agreement?

 

Would appreciate some advice here please if anyone has any to offer.

 

Many thanks

jax

 

Hi Jax,

 

I know this might be some work for you, but we really, really need to see the detail of each of the cases you have.

 

The best way to do that would be to start a separate thread for each one, pasting up what you have/haven't got, then getting specific advice on each thread.

 

Here's how;

 

http://www.consumeractiongroup.co.uk/forum/welcome-consumer-forums/107001-how-do-i-dummies.html

 

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Hi Guys

 

Have been reading through the posts with keen interest on this subject. I have received a number of CCAs (all for credit cards) and all in various formats, as follows....

 

* Some I have only received the current terms and conditions and nothing else

 

* One makes absolutely no reference whatsoever to credit limit

 

* Most I have received the application form which appears to double as a credit agreement with a copy of the current T&Cs (which is a photocopy of the folded A4 sheet - if you know what I mean!)

 

* Some I haven't received anything within 42 days, so I guess the chaps have committed the proverbial criminal offence.

 

* Some of the application forms have no creditor signature - but apparently that doesn't matter because they can sign it later (or so I've read somewhere)

 

Anyone know where I stand on these please?

 

1. If they are over the 42 day limit am I right in thinking they MUST get a court order to execute the document?

 

2. If the documents aren't complete do they have to get a court order to execute the agreement?

 

3. If the agreement does not have all the prescribed terms do they have to get a court order to execute the agreement?

 

Would appreciate some advice here please if anyone has any to offer.

 

Many thanks

jax

 

Quick answers:

 

1. No - they can enforce without a court order assuming that the paperwork they produce complies fully with the CCA74. (However see 2 & 3) ;)

 

2 & 3. Depends (see car2403's post)

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Thanx for replies guys.

 

As i have a high-speed soopadoopa scanner at work I'll do these on Tuesday and get a separate thread started then.

 

Cheers

jax

 

 

PS Peter I am assuming from the previous posts that you haven't been too well and obviously off-site. I hope it's nothing serious and I wish you better.

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I am in court in 2 weeks and would appreciate comments on the credit agreement the DCA have sent me.

 

This is an application form for a bank account.

 

Bank accounts are regulated under the Act, but are subject to an OFT declaration under s.74 that means they are exempt from the agreement form and content requirements of s.60/s.61.

 

That said, there are some requirements for them to receive the benefit of that determination, such as they should have written to you telling you what charges and interest rates would apply and how they would terminate the agreement - if they haven't done that, they can't rely on the determination. Without an agreement then, they will have an unenforceable debt under s.127(3).

 

There's more info on this in my Barclays default removal thread;

 

http://www.consumeractiongroup.co.uk/forum/barclays-bcard-woolwich-successes/93273-car2403-barclays-bank.html

 

Do you have a thread on this one?

 

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I sent cheques but added an extra letter into my signature so if a Blue Peter special appeared I could prove it. Probably safer to send POs

BANK CHARGES

Nat West Bus Acct £1750 reclaim - WON

 

LTSB Bus Acct £1650 charges w/o against o/s balance - WON

 

Halifax Pers Acct £1650 charges taken from benefits - WON

 

Others

 

GE Money sec loan - £1900 in charges - settlement agreed

GE Money sec loan - ERC of £2.5K valid for 15 years - on standby

FirstPlus - missold PPI of £20K for friends - WON

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The trouble with PO's is that U have NO way of knowing whether or not they have been cashed.

...Unless they deduct the £1 from your 'alleged' account with them + it shows up on your CR with a CRA.

 

Personally, I would favour asking someone else to send one of THEIR cheques on your behalf instead.

I would also strictly express in your letter, that the £1 is DEFFO for the CCA 1974 Request + NOT to be used as a Credit to your 'alleged' account...;)

 

 

...:)

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Hello Guys

 

I have now copied, scanned and created pdf files for 8 'replies' to my requests for CCAs.

 

I will start a new thread for each credit card but can someone please give me an idiot's guide to uploading pdf files please? Or do I just attach them?

 

Ta muchly

jax

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...can someone please give me an idiot's guide to uploading pdf files please? Or do I just attach them?...

Try scanning + uploading your Docs to Photobucket, as described HERE.

...Then once U have uploaded your Docs to Photobucket, just left click on the IMG Code (...this copies the url addy of your piccie), then right click + paste into your text.

...There's NO need to click on ANY of the 'attachments'/'insert image' buttons before U Submit your Post...:wink:

 

 

...:-)

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I would always use a postal order or a cheque from someone else as I would not trust the blighters to use a bit of artistic expression and copy your signature and recreate a CCA to suit.

Bank and credit card reclaims - £9,806

Sainsburys CCA non-compliance with FOS;

Natwest reclaim of £340 in progress;

Egg credit card reclaim in progress

 

 

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The trouble with PO's is that U have NO way of knowing whether or not they have been cashed.

...Unless they deduct the £1 from your 'alleged' account with them + it shows up on your CR with a CRA.

 

Personally, I would favour asking someone else to send one of THEIR cheques on your behalf instead.

I would also strictly express in your letter, that the £1 is DEFFO for the CCA 1974 Request + NOT to be used as a Credit to your 'alleged' account...;)

 

 

...:)

 

MTM, you get a counterfoil/recept with a postal order. If you want to check if it has been cashed you just fill in a form and send it to the post office. Long winded I know, and all for a £1.00. But at least you know for sure.

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Uploading documents to CAG ** Instructions **

Looking for a draft letter? Use the CAG Library

Dealing with Customer Service Departments? - read the CAG Guide first

1: Making a PPI claim ? - Q & A's and spreadsheets for single premium policy - HERE

2: Take back control of your finances - Debt Diaries

3: Feel Bullied by Creditors or Debt Collectors? Read Here

4: Staying Calm About Debt  Read Here

5: Forum rules - These have been updated - Please Read

BCOBS

1: How can BCOBS protect you from your Banks unfair treatment

2: Does your Bank play fair - You can force your Bank to play Fair with you

3: Banking Conduct of Business Regulations - The Hidden Rules

4: BCOBS and Unfair Treatment - Common Examples of Banks Behaving Badly

5: Fair Treatment for Credit Card Holders and Borrowers - COBS

Advice & opinions given by citizenb are personal, are not endorsed by Consumer Action Group or Bank Action Group, and are offered informally, without prejudice & without liability. Your decisions and actions are your own, and should you be in any doubt, you are advised to seek the opinion of a qualified professional.

PLEASE DO NOT ASK ME TO GIVE ADVICE BY PM - IF YOU PROVIDE A LINK TO YOUR THREAD THEN I WILL BE HAPPY TO OFFER ADVICE THERE:D

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never thought about that before - about them having our signatures on the cheque - good thinking

 

i have asked for my cca - the case which referred to DEBITAS who going to take me to court. When i denied i owed the money and asked for the CCA - they have asked for the letter i sent requesting needs a signature. WIth advice from this site, i sent another letter with a signature i will recognise if the use it....hopefully they will

 

so - i agree with the advice above - get someone else to write the cheque.

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* Some of the application forms have no creditor signature - but apparently that doesn't matter because they can sign it later (or so I've read somewhere)

 

 

I am a little confused about this statement. One or two 'APPLICATION' forms I have received have no creditor signature.

 

Are you saying that if it went to court, they could just sign it a couple of days before the court hearing and it would be acceptable ??

Have we helped you ...?         Please Donate button to the Consumer Action Group

Uploading documents to CAG ** Instructions **

Looking for a draft letter? Use the CAG Library

Dealing with Customer Service Departments? - read the CAG Guide first

1: Making a PPI claim ? - Q & A's and spreadsheets for single premium policy - HERE

2: Take back control of your finances - Debt Diaries

3: Feel Bullied by Creditors or Debt Collectors? Read Here

4: Staying Calm About Debt  Read Here

5: Forum rules - These have been updated - Please Read

BCOBS

1: How can BCOBS protect you from your Banks unfair treatment

2: Does your Bank play fair - You can force your Bank to play Fair with you

3: Banking Conduct of Business Regulations - The Hidden Rules

4: BCOBS and Unfair Treatment - Common Examples of Banks Behaving Badly

5: Fair Treatment for Credit Card Holders and Borrowers - COBS

Advice & opinions given by citizenb are personal, are not endorsed by Consumer Action Group or Bank Action Group, and are offered informally, without prejudice & without liability. Your decisions and actions are your own, and should you be in any doubt, you are advised to seek the opinion of a qualified professional.

PLEASE DO NOT ASK ME TO GIVE ADVICE BY PM - IF YOU PROVIDE A LINK TO YOUR THREAD THEN I WILL BE HAPPY TO OFFER ADVICE THERE:D

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Is APR excepted as a perscribed term?

 

HAK

 

sort of...... depends on your point of view and what sort of loan / credit you have.....APR per se is not a prescribed term, however interest rate IS. but the rate can be determined from the apr and the apr can be determined from the rate.

 

It depends on the type of loan /credit. some require APR and some demand rate of interest.

 

Dave

** We would not seek a battle as we are, yet as we are, we say we will not shun it. (Henry V) **

 

see you stand like greyhounds in the slips,

Straining upon the start. The game's afoot:

Follow your spirit; and, upon this charge

Cry 'God for Harry! England and Saint George!'

:D If you think I have helped, informed, or amused you do the clickey scaley thing !! :D

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CitizenB I have put the word 'application' in quotes as these are the application forms I completed to acquire the credit card and this is what they have sent me a copy of and which appears to double as an agreement.

 

However, as stated, all but one does NOT have a creditor signature and some don't even have a space for it.

 

I have read (I think further back on this thread and also over on LB) that if it went to court it is highly likely the judge would get them to sign it there and then and legally enforce it. The consensus of opinion is that the lack of creditor signature is a very weak argument and one that will go against the debtor if challenged in court.

 

I am sure someone (maybe Peter or Curlyben) will put me right if I am wrong here

 

jax

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CitizenB I have put the word 'application' in quotes as these are the application forms I completed to acquire the credit card and this is what they have sent me a copy of and which appears to double as an agreement.

 

However, as stated, all but one does NOT have a creditor signature and some don't even have a space for it.

 

I have read (I think further back on this thread and also over on LB) that if it went to court it is highly likely the judge would get them to sign it there and then and legally enforce it. The consensus of opinion is that the lack of creditor signature is a very weak argument and one that will go against the debtor if challenged in court.

 

I am sure someone (maybe Peter or Curlyben) will put me right if I am wrong here

 

jax

 

An application form can only be enforced if it contains the prescribed terms and is signed by the debtor.

 

The effect of s.127(3) means that a missing creditors signature has little effect on enforceability, as it is likely to be enforceable with a Court Order at least.

 

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