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    • Hello All, I was hoping for some help with a  Claim Form received yesterday 15h May 2024.  I have read lots of threads but I just want to check what I am doing. I have acknowledged service noting my intention to defend all of the claim and I have left the contest jurisdiction un-checked. I will today/tomorrow issue a CCA request with a £1 postal order to the claimant and a CPR 31:14 to the solicitor.  For the CCA which section should I use? I am not sure which section Paypal Credit would come under. If the claim was issued on the 9th May am I correct with my defence filing date of the 11th June? Is there anything else I need to do? Thanks in advance   Which Court have you received the claim from ? Civil National Business Centre, Northampton Name of the Claimant ? Lowell Portfolio I Ltd How many defendant's  joint or self ? Self (just 1) Date of issue –  9th May 2024 Defence filing date: Tuesday 11th June?? Particulars of Claim What is the claim for  The claim is for the sum of £255.69 due by the Defendant under an agreement regulated by the Consumer Credit Act 1974 for a PayPal account with an account reference of xxxxxxxxxxxxxxxx)  The Defendant failed to maintain contractual payments required by the agreement and a Default Notice was served under s.87(1) of the Consumer Credit Act 1974 which has not been complied with. The debt was legally assigned to the claimant on 15-09-21, notice of which has been given to the defendant. The claim includes statutory interest under S.69 of the County Courts Act 1984 at a rate of 8% per annum from the date of assignment to the date of issue of these proceedings in the sum of £0.00. The Claimant claims the sum of £255.69 What is the total value of the claim? £340.69 Have you received prior notice of a claim being issued pursuant to paragraph 3 of the PAPDC (Pre Action Protocol) ? Yes Have you changed your address since the time at which the debt referred to in the claim was allegedly incurred? No Did you inform the claimant of your change of address? Not applicable Is the claim for - a Bank Account (Overdraft) or credit card or loan or catalogue or mobile phone account? PayPal credit account When did you enter into the original agreement before or after April 2007 ? After April 2007  Do you recall how you entered into the agreement...On line /In branch/By post ? Online Is the debt showing on your credit reference files (Experian/Equifax /Etc...) ? Yes, shows as defaulted.  Registered when it was bought by Lowell Has the claim been issued by the original creditor or was the account assigned and it is the Debt purchaser who has issued the claim. Debt purchaser Were you aware the account had been assigned – did you receive a Notice of Assignment? Cant find a letter that say so Did you receive a Default Notice from the original creditor? Yes Have you been receiving statutory notices headed “Notice of Sums in Arrears”  or " Notice of Arrears "– at least once a year ?  Not sure Why did you cease payments? Financial difficulties and mental health issues What was the date of your last payment? ? Mid 2019 Was there a dispute with the original creditor that remains unresolved? No Did you communicate any financial problems to the original creditor and make any attempt to enter into a debt management plan? No
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      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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Cap1 & CCA return


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Anyone heard of

The Ultimate Entrepreneur Club? Put this into Google and come up with their site.

 

They sell software that claims to show you how to eliminate cc debt. The idea is to build a 'downline' and attend offshore conferences to make 'millions'.

 

EDIT

 

There has been no proof that this works, indeed if you try to talk to any other 'members' they all clam up. If there has been a decision in a court of appeal, what has he to lose in showing this? It can only stregnthen his case?

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Absolutely, providing the case details would not only strengthen Basil's claims, but every man and his dog who didnt like courts and dealing with banks would be beating a path to his door- much like the bank charge claims companies.

 

I can understand his concerns that doing this may enable others to to use his hard won case to persue their claim themsleves, but given an element of hard evidence, many people would happily place themselves in his hands, enough to make him a very wealthy man, very quickly.

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I can't see how this would enable others to do the same. The judgement would not outline the procedure, just the actual judgment for the claimant proving that they had eliminated the debt.

 

The whole process would still be Basil's 'secret'. Unless of course it is the TUE club, in that case I think he would be sailing close to the wind!

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hi tifo

 

from my trawling of the legal databases, i can say that it would there was a case as Basil states, and it wasn't a small claims case from the information i have either.

 

thats pretty much all i can say on the subject

 

kind regards

paul

 

Not clear on what you are saying here Paul, can you elaborate?

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gaz....independant mortgages advisers...no problem however you can't give holistic financial planning so not true IFA in the sense of the word and and to advertise this could be misleading also you have a different set of terms of business.....a little bit like a DCA legal dept calling thems selves Solicitors!

 

My real concern is there are genuine folk out there in real need that can't afford 20% and this may be a [problem]......They promote them selves as IFA's could be misleading...thats all

Live Life-Debt Free

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Not clear on what you are saying here Paul, can you elaborate?

Not much im afraid, because there inst much to elaborate on

 

i have searched Lexis nexis,westlaw,lawtel and a few other databases that i have access to, there is no mention to the case

 

however, i have spoken to a person who has confirmed the case took place in the High court

 

however, it is not openly reported,

 

that is really all i can say

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Any explanation as to the reason why its not openly reported?

 

Now were getting somewhere if it really happened.

 

Im sorry but i really cannot offer any explanation as to why,

 

that is something that Basil will have to answer

 

 

however, i am aware of the case, that is all i can say because it is all i know im afraid

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Anyone heard of

The Ultimate Entrepreneur Club? Put this into Google and come up with their site.

 

If they're making millions from this, they could have done a better job on their website.

 

I could do a better one in a few hours, all singing and dancing with features.

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so first CD is $1250, about £600 for something that most of us do for free on here.

 

then moves up to $1,000, $5,000, $25,000 and $100,000 for each of the next stages.

 

not bad ... for the entrepreneur club!

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Basil, hello, hope you are well today.

 

I can understand that you remain frustrated by people's negative comments but I am not sure the constant threats of legal action are helpful, or indeed constructive, to anyone.

 

If you did take someone to Court over these comments, wouldn't you then have to disclose everything to that party under the CPRs that backed up your claims that they were lying.

 

This would include details of the judgement, thereby bringing this far more into public view, something you obviously don't want.

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Basil is correct. Dont call him a a [EDIT]. That isnt fair. No one has any proof that what he is claiming is in any way incorrect.

 

I think Basil realises that we are simply looking for independent verification of his claims. I look forward to gizmo confirming your claims. PT has already confirmed that the case was heard.

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Hello Basil,

 

Having read your site it mentions onces you have registered and paid the fees then our details would be pased onto third party specialist business partners who would then do all the work and act on our behalf. Could you elaborate a little more on these business partners and the types of companies/organisations they are please etc

 

regards,

shane

____________________________________________

All advice is offered freely & without prejudice

 

 

If my post has been useful to you please click the scales

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Basil,

 

Do not threaten me with legal action ( if you are referring to me) I have many years more experience in court matters than you will ever have.

 

If you would care to read my post again and then tell me where it says that I think your company is operating a [problem].

 

I was referring to my other thread, where I was referring to another company. I said "sounds like a [problem] to me". That was my opinion and was not even saying it WAS a [problem]. Are you saying you are not using the TUE software? The reason I ask is because a lot of people have been to court and LOST through this stupid advice that came over from the US, using US laws and not UK laws.

If however you are merely passing on credit agreements to see if they are enforceable, that is different. There are plenty of companies out there doing this for a lot less than you.! However, the 'name in capital letters' scenario is consistent with the TUE club.

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Please do not call my business a [problem], send me what proof you have to makes these claim, as I may seek legal redress to get you to prove every word you had written in court.

 

When someone has just tried to do the very thing that this site is set up to do and when I finally do it you call me a [problem] artist.

 

Everyone is entitled to question a business to make sure they get what they are being asked to pay for. We are all trying to figure out what we would get for £55.

 

This site is set up to help people FREELY, not make a charge for the information provided. We all contribute our experiences to help other members. We do not ask for payment.

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here's a review of the club from here http://www.bizoppjungle.com/letters/e17102007.html:

 

The Ultimate Entrepreneur Club reviewed

'In which Charlie .... reveals his thoughts on The Ultimate Entrepreneur Club...

 

 

************************************

Why I've doubts about The Ultimate

Entrepreneur Club

*************************************

 

 

The Ultimate Entrepreneur (or TUE) is a financial educational programme. It claims to be able to clear all your debts legally and for you to "make good money by helping others do the same".

 

 

They promise to reveal private and offshore banking, investments, taxation, credit and even credit clean-up, as well as "un-taxation" and debt cancellation.

 

 

They also claim to be able to make you £2500 to £5000 a week... and within one year the mighty sum of $1,500,000. (It's American-based, so the UK agents have converted some, but not all, of the figures. This doesn't do much for credibility.)

 

 

With this huge financial promise in mind, the £640.00 to join may seem like a drop in the ocean.

 

 

But if you're considering it, then here are 5 reasons why I'd avoid this:

 

 

1. My informant, who's been through the whole sales

process up to the point of payment, says that there's NO money-back guarantee. This means you are risking £640 in something that may not work for you.

 

 

MY TIP: Unless it's a product or book lower than £30 in price wouldn't advise spending any money on anything that doesn't have an iron clad, unconditional money back guarantee.

 

 

2. They claim that it isn't Multi Level Marketing, but this looks very like an MLM scheme. You are encouraged to tell 6 more people in order to make an income. Most of the websites I've seen are obviously clone sites from UK people trying to push the scheme to make some cash.

 

 

MY TIP: These things tend to makes people at the top very rich. Most people at the bottom of the pyramid merely waste their money

 

 

3. The information is general libertarian stuff... anti- tax, anti-government, "They're all trying to swindle you". This will be good and interesting, but it won't be a blueprint for making money from home.

 

 

MY TIP: Personally, I like hearing people rant on about how the financial system is fixed. How governments try to control your freedom. I even believe a lot of it.

 

 

But be aware that this isn't some "business in a box" that you can follow. It's a general financial club. It talks about a lot of big ideas. Theories. Personal politics. Things that get your juices going.

 

 

Is inspiration and knowledge what you need right now?

 

 

Then you can consider risking £640.

 

 

If you need specific tools for everyday moneymaking, perhaps not...

 

 

4. There is no way that I believe the claim that you will make $1,500,000 in your first year.

 

 

MY TIP: I am fine with people using 'best case scenario' claims to hook customers, but that figure is, frankly, ludicrous. If something is too good too be true, then it most probably is. So make sure there's a solid money-back guarantee before you dive in.

 

 

I'm sure I'll now get a bunch of emails from people who are in the Ultimate Entrepreneur Club. They'll say I'm urinating on their bonfire, no doubt.

Or something along those lines.

 

 

I'll take it on the chin. You want my honest opinion, right? So a few annoyed emails I can handle.

 

 

That said...

****************************

Information always wanted

****************************

 

 

If you've tried the Ultimate Entrepreneur Club and it's changed your life, made you rich, or cleaned out your wallet, please let me know.

 

 

I'm just one bloke with a computer. There's a limit to what I can personally try, investigate or analyse. The best way to gather information is through you and my other readers.

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Everyone is entitled to question a business to make sure they get what they are being asked to pay for. We are all trying to figure out what we would get for £55.

 

This site is set up to help people FREELY, not make a charge for the information provided. We all contribute our experiences to help other members. We do not ask for payment.

 

Yes, but the site does ask for donations - but this is voluntary, not forced.

 

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The Webmaster will update the website with the correct Data Protection No: as we gave them the old one.

 

Sorry!

 

Had a lot to do recently.

Just to confirm, I called the Information Commissioner and they stated that the number given above (Z7893075) is NOT a current registration number. Data Protection registrations have to be paid for yearly. She also stated that their records are up to date as of yesterday and that there is no other registration for Momentum Network Ltd.

Robertxc v. Abbey - £3300 Settled in full

Robertxc v. Clydesdale - £750 Settled in full

Nationwide v. Robertxc - £2000 overdraft wiped out, Default removed by order of the sheriff

Robertxc v. Style Card - Default removed by order of the sheriff

Robertxc v. Abbey (1) - Data Protection Act action. £750 compensation

Robertxc v. Abbey (2) - Data Protection Act action. £2000 compensation, default removed

 

The opinions on this post are those of Robertxc and not necessarily the opinions of the group and do not constitute sound legal advice. You are advised to seek professional legal advice.

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