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    • I apologise if I was being unclear. Where it currently stands is that they will have it repair, placing scaffolding in our garden for 5 days. They have moved fast, but we will still have to postpone our contractors, meaning, we won't necessarily have the work done in time for the wedding and therefore will incur additional expenses for either a marquee or a wedding venue. They are vehemently against having any kind of liability in any regard but continue repeating that they are legally entitled to use our garden for their repairs (I believe this is true unless the work can be carried out using a cherry picker). The neighbour seems either indifferent or oblivious to the fact they can't reach all of the side of the roof from the space where they can place the scaffolding. They have asked their roofer of choice about using a cherry picker but the roofer has said it wasn't possible. It's not clear whether the roofer doesn't want to use a cherry picker or whether there is an issue with it. They have told us it is a problem that we are installing a gazebo as it will prevent them to access their roof from our garden in the future?!?  
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    • that was a good saving on an £8k debt dx
    • Find out how the UK general elections works, how to register to vote, and what to do on voting day.View the full article
    • "We suffer more in imagination than in reality" - really pleased this all happened. Settled by TO, full amount save as to costs and without interest claimed. I consider this a success but feel free to move this thread to wherever it's appropriate. I say it's a success because when I started this journey I was in a position of looking to pay interest on all these accounts, allowing them to default stopped that and so even though I am paying the full amount, it is without a doubt reduced from my position 3 years ago and I feel knowing this outcome was possible, happy to gotten this far, defended myself in person and left with a loan with terms I could only dream of, written into law as interest free! I will make better decisions in the future on other accounts, knowing key stages of this whole process. We had the opportunity to speak in court, Judge (feels like just before a ruling) was clear in such that he 'had all the relevant paperwork to make a judgement'. He wasn't pleased I hadn't settled before Court.. but then stated due to WS and verbal arguments on why I haven't settled, from my WS conclusion as follows: "11. The Defendant was not given ample evidence to prove the debt and therefore was not required to enter settlement negotiations. Should the debt be proved in the future, the Defendant is willing to enter such negotiations with the Claimant. "  He offered to stand down the case to give us chance to settle and that that was for my benefit specifically - their Sols didn't want to, he asked me whether I wanted to proceed to judgement or be given the opportunity to settle. Naturally, I snapped his hand off and we entered negotiations (took about 45 minutes). He added I should get legal advice for matters such as these. They were unwilling to agree to a TO unless it was full amount claimed, plus costs, plus interest. Which I rejected as I felt that was unfair in light of the circumstances and the judges comments, I then countered with full amount minus all costs and interest over 84 months. They accepted that. I believe the Judge wouldn't have been happy if they didn't accept a payment plan for the full amount, at this late stage. The judge was very impressed by my articulate defence and WS (Thanks CAG!) he respected that I was wiling to engage with the process but commented only I  can know whether this debt is mine, but stated that Civil cases were based on balance of probabilities, not without shadow of a doubt, and all he needs to determine is whether the account existed. Verbal arguments aside; he has enough evidence in paperwork for that. He clarified that a copy of a DN and NOA is sufficient proof based on balance of probabilities that they were served. I still disagree, but hey, I'm just me.. It's definitely not strict proof as basically I have to prove the negative (I didn't receive them/they were not served), which is impossible. Overall, a great result I think! BT  
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Cap1 & CCA return


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oh oh........

 

dave hides

 

:)

** 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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Hi DH

 

Actually the application form is part of the anticedal negotoiations but yse i suppose you could call it pre-contractual although also is an agreement untill it is executed.

 

Regards

Peter

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

No I think we must admit that an application can share the same document as an agreement. They do however represent two differnt documents.

An agreement is a persons request for more information about the product and contains details of income etc so that the creditor can decide whether he wants to enter into a contract with you.

 

A contract is when you have decided to enter into the contract and is executed when both signatures are on it.

 

The problem is i have been able to find loads of inormation about what should be on a contract and how it should be formated but i canot find anything about what should not be there.

 

For instance is it allowed to include requests for finantial or personal details of the debtor etc.

 

I wouldn't have thought not.

 

That i suppose is why these multi purpose documents are split into two halves.

One thing i do know is that the half that says agreement on it must be correctly formated etc.

The advertising regs state that the agreement must be entirely sepperate from any advertisment pertaining to it,not quite the same thing but the closest i have got.

 

Peter

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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Whoa Peter!

 

I didn't want to get embroiled in an argument, I was simply offering caigey some advice as a consumer and a member of the BAG/CAG.

 

peterbard

"The point is the aplication would not be acceptable as an agreement even if it had the signatures and prescribed terms, because presumably the punter would have thought they were signing an application form due to the fact that it said application form on the top".

 

Exactly correct. however, I do not accept the following quote:-

 

peterbard

"Don't forget an agreement can be used as an application thats what you do when you send an agreement off with your signature on it, the creditor will look at it and decide whether to execute it by giving his signature Section 61"

 

No, how can an application form for a credit card be considered to be an agreement?

The Applicant is blind, he/she does not know if he/she will be accepted. The Applicant has no idea as to what the credit limit might be?

Furthermore, as you put it the 'punter' (applicant) hasn't got the foggiest idea about 'the consumer credit act' and if you metioned s61 they would probably roll their eyes up to heaven.

Oh yes, the creditor may well look at the application and if they think that they can earn bucks out of it, then it will be approved.

 

This is all bordering on misrepresentation and possibly signing an official the ("Act") doc. under duress???

 

I am not a 'Rules & Regs' person, my craft lies within the Art's. However, I am not a fool but I do have the ability to apply 'COMMON SENSE'.

 

I do not know as to whether there is a Government Reg Doc that states that an agreement and an application cannot be upon the same doc., because the statutes are so engeniously written & amended. I am not a specialist in government statue/contract law, but it cannot be correct, because to dupe a consumer in that manner would clearly be misrepresentaion and or fraud.

 

Peter, please do not think that I am being antagonistic...I am just one of those souls with an extremely enquiring mind, thus I have to analyse.

 

peterbard

"If however it is presented as an agreement then you must judje it as an agreement and decide whether it is enforceable or not".

 

All that I can add, is that one should use Common Sense when making such a judgement/decison and only after being advised correctly.

 

Love AC:)

Hey AC

Don't appologis healthy debate is what this site should be all about.

I have the greatist respect for your views and insght no question.

Anyway back to the issue.

I did not say that an appliction can be used as an agreement on the contrarry i said tht it ablolutely cannot,what i said was that an agreement can be used as an application.

Say you have an ageement that has all the terms, and is correctly formated acording to the regs and you sign it and it remains unexecuted because the creditor has not. You the send it to the creditor and it becomes an executed contract on his signature,in that sense it is an application as the creditor may decide going off information on your true application not to issue the credit.

In fact even if it is an uncancellabe agreement if you get to the creditor before he signs it you can still back out.

This is how distance marketed agreements and the earlier uncancellable agreements worked.

The difference is that it will be an agreement not an application form that you send off.

The mention of a document that is also an application form mentioned in the cancellation OFT pamphlet is refering to this practice.

I am sorry if i am being unclear but once again i am not saying an application can be an agreement it most definately cannot what i am say ing that an agreemen an be used to apply for for credit.

 

 

Best regards

Petr

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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You walk into a shop.

You choose your telly.

You take it to the till.

You ask for the advertised 0% nothing to pay for 12 months credit.

Your personal details are taken and input onto a database.

Your details are cross referenced with the CRA's instantly.

Your details are retained by the retail store and the CRA (a credit check has been made).

Your personal details are made available to anybody who subscribes to a service offered by the CRA's.

You enjoy your telly.

You notice payments coming out of your account after 12 months which are excessive and unexpected.

You default on a different DD payment.

You are charged £35.00 for the pleasure.

You default again because of that charge and incur another.

You try to pay off the charges and default on one of your regular ones.

You default on the regular.

You take out an overdraft and pay off the excess.

You default on your overdraft and are charged the default rate of interest.

You take out a loan to pay it all off, at a fee.

You default, you default, you default.

You pay off what you can.

Your family suffers.

You lose your job because you can't focus.

You default, you default, you default.

You receive a Court Summons.

You ignore it.

You receive a threat to recover goods.

You ignore it and hope it'll go away.

You lose your telly.

Your charges have now risen to three times the price of the telly.

You're in financial ruin, and your name blackened, with no prospects of a mortgage or any other finance, and no chance of progression.

Your wife leaves.

Your mortgage is in arrears.

You can see the vultures circling.

You lose your home.

You never entered into a contract with the creditor, instead made an application with the sales assistant.

You haven't got an agreement, only made an application.

You do something you shouldn't out of desperation.

You get caught.

You get sentenced - 5 years.

You get your telly.

 

Have I missed anything?

 

Tide

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You walk into a shop.

You choose your telly.

You take it to the till.

You ask for the advertised 0% nothing to pay for 12 months credit.

Your personal details are taken and input onto a database.

Your details are cross referenced with the CRA's instantly.

Your details are retained by the retail store and the CRA (a credit check has been made).

Your personal details are made available to anybody who subscribes to a service offered by the CRA's.

You enjoy your telly.

You notice payments coming out of your account after 12 months which are excessive and unexpected.

You default on a different DD payment.

You are charged £35.00 for the pleasure.

You default again because of that charge and incur another.

You try to pay off the charges and default on one of your regular ones.

You default on the regular.

You take out an overdraft and pay off the excess.

You default on your overdraft and are charged the default rate of interest.

You take out a loan to pay it all off, at a fee.

You default, you default, you default.

You pay off what you can.

Your family suffers.

You lose your job because you can't focus.

You default, you default, you default.

You receive a Court Summons.

You ignore it.

You receive a threat to recover goods.

You ignore it and hope it'll go away.

You lose your telly.

Your charges have now risen to three times the price of the telly.

You're in financial ruin, and your name blackened, with no prospects of a mortgage or any other finance, and no chance of progression.

Your wife leaves.

Your mortgage is in arrears.

You can see the vultures circling.

You lose your home.

You never entered into a contract with the creditor, instead made an application with the sales assistant.

You haven't got an agreement, only made an application.

You do something you shouldn't out of desperation.

You get caught.

You get sentenced - 5 years.

You get your telly.

 

Have I missed anything?

 

Tide

 

You get three meals a day

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The agreement Capp 1 have just sent me as the heading.

 

ULTRA SHORT APPLICATION CERTIFICATE 8329.

 

Whats that all about.

 

Paul

An appeaser is one who feeds a crocodile, hoping it will eat him last. <br />

Winston Churchill

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i think it means they havent a hope in hell of enforcing it :)

 

if it is an APPLICATION form

 

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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Have I missed anything?

 

 

How about that thing you do out of desperation?

 

You come to blows with a bailiff and his cohorts, who break into your rented flat, legalised by the Tribunal, Courts and Enforcement Act and take your last valuable possession, your pet.

 

Els

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i think it means they havent a hope in hell of enforcing it :)

 

if it is an APPLICATION form

 

Dave

 

It also states underneath the heading.

 

Application closing date 17th May 2004.

 

Somehow i don't think this is enforceable.

An appeaser is one who feeds a crocodile, hoping it will eat him last. <br />

Winston Churchill

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How about that thing you do out of desperation?

 

You come to blows with a bailiff and his cohorts, who break into your rented flat, legalised by the Tribunal, Courts and Enforcement Act and take your last valuable possession, your pet.

 

Els

 

Not forgetting that your pet sinks its teeth into your leg in desperation

The bite then turns septic and you have to have your leg amputated (but not for 6 months because of NHS shortages) during which time you amass a fortune in parking fees at the hospital.

Alliance & leicester:Settled 8/9/06 http://www.consumeractiongroup.co.uk/forum/alliance-leicester-successes/19700-tamadus-l.html?highlight=tamadus

Capital One:Settled 22/9/06 http://www.consumeractiongroup.co.uk/forum/capital-one/16644-tamadus-capital-one.html?highlight=tamadus

MBNA 2 accounts:Settled 22/9/06 http://www.consumeractiongroup.co.uk/forum/other-institutions-successes/13831-tamadus-mbna-i.html?highlight=tamadus

Smile:Settled 15/11/06

Egg Card:S.A.R - (Subject Access Request) sent 2/10/06

GE Money:S.A.R - (Subject Access Request) sent3/8/06 LBA sent 26/9/06

Abbey:ERC prelim sent 14/9/06. LBA sent 2/10/06. Now it's getting interesting so keep watching

Barclaycard:In criminal default watch this space

Lloyds TSB:In criminal default watch this space

 

If my comments have been useful please click the scales and let me know.

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And I thought it couldnt get any worse....:)

 

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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If you want to see an ultra short (crap) agreement have a look at mine

 

http://www.consumeractiongroup.co.uk/forum/show-post/post-763464.html

 

and thats all I got :)

** 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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Share on other sites

my question is though, if that's what they send out, surely they must know somewhere in the collective that it falls way short of what a properly executed agreement is.

How can they be so stupid, or did they hope the consumer would be so dumb and stay blissfully asleep and unaware of the reg's in the CCA 1974.

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yep and they are in ultra trouble but they dont know it yet....

 

(or maybe they do :) )

 

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

Link to post
Share on other sites

You walk into a shop.

You choose your telly.

You take it to the till.

You ask for the advertised 0% nothing to pay for 12 months credit.

Your personal details are taken and input onto a database.

Your details are cross referenced with the CRA's instantly.

Your details are retained by the retail store and the CRA (a credit check has been made).

Your personal details are made available to anybody who subscribes to a service offered by the CRA's.

You enjoy your telly.

You notice payments coming out of your account after 12 months which are excessive and unexpected.

You default on a different DD payment.

You are charged £35.00 for the pleasure.

You default again because of that charge and incur another.

You try to pay off the charges and default on one of your regular ones.

You default on the regular.

You take out an overdraft and pay off the excess.

You default on your overdraft and are charged the default rate of interest.

You take out a loan to pay it all off, at a fee.

You default, you default, you default.

You pay off what you can.

Your family suffers.

You lose your job because you can't focus.

You default, you default, you default.

You receive a Court Summons.

You ignore it.

You receive a threat to recover goods.

You ignore it and hope it'll go away.

You lose your telly.

Your charges have now risen to three times the price of the telly.

You're in financial ruin, and your name blackened, with no prospects of a mortgage or any other finance, and no chance of progression.

Your wife leaves.

Your mortgage is in arrears.

You can see the vultures circling.

You lose your home.

You never entered into a contract with the creditor, instead made an application with the sales assistant.

You haven't got an agreement, only made an application.

You do something you shouldn't out of desperation.

You get caught.

You get sentenced - 5 years.

You get your telly.

 

Have I missed anything?

 

Tide

 

Have you been following me, Tide? :o:rolleyes::wink:

VITAL - IF YOU HAVE AN ISSUE ABOUT THE INCREASED BAILIFFS' POWERS TO BREAK INTO YOUR HOME AND USE FORCE IN ORDER TO GET YOUR GOODS THEN JOIN THE PETITION HERE:

http://www.consumeractiongroup.c o....l#post53879 9

 

Anyone seeing this who wants to help by copying it to their signature please do.

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The problem is they have got away with the public being blind for so long that it is now a way of life for these companies.

 

Their business is pushing credit at us even when we dont want it, and if the paperwork is easier then their job is easier.

 

Does it matter to them if the agreements dont meet the requirements? Nope because they can just bully us into accepting whatever they say.

 

The tide is now turning and all those old scraps of paper are being shown to be nothing but the scraps they are.

  • Haha 1

Alliance & leicester:Settled 8/9/06 http://www.consumeractiongroup.co.uk/forum/alliance-leicester-successes/19700-tamadus-l.html?highlight=tamadus

Capital One:Settled 22/9/06 http://www.consumeractiongroup.co.uk/forum/capital-one/16644-tamadus-capital-one.html?highlight=tamadus

MBNA 2 accounts:Settled 22/9/06 http://www.consumeractiongroup.co.uk/forum/other-institutions-successes/13831-tamadus-mbna-i.html?highlight=tamadus

Smile:Settled 15/11/06

Egg Card:S.A.R - (Subject Access Request) sent 2/10/06

GE Money:S.A.R - (Subject Access Request) sent3/8/06 LBA sent 26/9/06

Abbey:ERC prelim sent 14/9/06. LBA sent 2/10/06. Now it's getting interesting so keep watching

Barclaycard:In criminal default watch this space

Lloyds TSB:In criminal default watch this space

 

If my comments have been useful please click the scales and let me know.

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always liked blue peter though, amazing what they could make, suppose they did take a leaf out of the BP book and try and say "here's one i made earlier" the only good thing that will come out of this at the end is they tighten up their agreements so that they comply with the reg's. would be better for everyone, but i'm sure it'll take a while to filter through their collective heads.

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