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    • The Notice to Hirer does not comply with the protection of Freedoms Act 2012 Schedule  4 . This is before I ask if Europarks have sent you a copy of the PCN they sent to Arval along with a copy of the hire agreement et. if they haven't done that either you are totally in the clear and have nothing to worry about and nothing to pay. The PCN they have sent you is supposed to be paid by you according to the Act within 21 days. The chucklebuts have stated 28 days which is the time that motorists have to pay. Such a basic and simple thing . The Act came out in 2012 and still they cannot get it right which is very good news for you. Sadly there is no point in telling them- they won't accept it because they lose their chance to make any money out of you. they are hoping that by writing to you demanding money plus sending in their  unregulated debt collectors and sixth rate solicitors that you might be so frightened as to pay them money so that you can sleep at night. Don't be surprised if some of their letters are done in coloured crayons-that's the sort of  level of people you will be dealing with. Makes great bedding for the rabbits though. Euro tend not to be that litigious but while you can safely ignore the debt collectors just keep an eye out for a possible Letter of Claim. They are pretty rare but musn't be ignored. Let us know so that you can send a suitably snotty letter to them showing that you are not afraid of them and are happy to go to Court as you like winning.  
    • They did reply to my defence stating it would fail and enclosed copies of NOA, DN Term letter and account statements. All copies of T&C's that could be reconstructions and the IP address on there resolves to the town where MBNA offices are, not my location
    • Here are 7 of our top tips to help you connect with young people who have left school or otherwise disengaged.View the full article
    • My defence was standard no paperwork:   1.The Defendant contends that the particulars of claim are 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. 2. Paragraph 1 is noted. The Defendant has had a contractual relationship with MBNA Limited in the past. The Defendant does not recognise the reference number provided by the claimant within its particulars and has sought verification from the claimant who is yet to comply with requests for further information. 3. Paragraph 2 is denied. The Defendant maintains that a default notice was never received. The Claimant is put to strict proof to that a default notice was issued by MBNA Limited and received by the Defendant. 4. Paragraph 3 is denied. The Defendant is unaware of any legal assignment or Notice of Assignment allegedly served from either the Claimant or MBNA Limited. 5. On the 02/01/2023 the Defendant requested information pertaining to this claim by way of a CCA 1974 Section 78 request. The claimant is yet to respond to this request. On the 19/05/2023 a CPR 31.14 request was sent to Kearns who is yet to respond. To date, 02/06/2023, no documentation has been received. The claimant remains in default of my section 78 request. 6. It is therefore denied with regards to the Defendant owing any monies to the Claimant, the Claimant has failed to provide any evidence of proof of assignment being sent/ agreement/ balance/ breach or termination requested by CPR 31.14, therefore the Claimant is put to strict proof to: (a) show how the Defendant entered into an agreement; and (b) show and evidence the nature of breach and service of a default notice pursuant to Section 87(1) CCA1974 (c) show how the claimant 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; 7. As per Civil Procedure Rule 16.5(4), it is expected that the Claimant prove the allegation that the money is owed. 8. 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 82A of the consumer credit Act 1974. 9. 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.
    • Monika the first four pages of the Private parking section have at least 12 of our members who have also been caught out on this scam site. That's around one quarter of all our current complaints. Usually we might expect two current complaints for the same park within 4 pages.  So you are in good company and have done well in appealing to McDonalds in an effort to resolve the matter without having  paid such a bunch of rogues. Most people blindly pay up. Met . Starbucks and McDonalds  are well aware of the situation and seem unwilling to make it easier for motorists to avoid getting caught. For instance, instead of photographing you, if they were honest and wanted you  to continue using their services again, they would have said "Excuse me but if you are going to go to Mc donalds from here, it will cost you £100." But no they kett quiet and are now pursuing you for probably a lot more than £100 now. They also know thst  they cannot charge anything over the amount stated on the car park signs. Their claims for £160 or £170 are unlawful yet so many pay that to avoid going to Court. When the truth is that Met are unlikely to take them to Court since they know they will lose. The PCNs are issued on airport land which is covered by Byelaws so only the driver can be pursued, not the keeper. But they keep writing to you as they do not know who was driving unless you gave it away when you appealed. Even if they know you were driving they should still lose in Court for several reasons. The reason we ask you to fill out our questionnaire is to help you if MET do decide to take you to Court in the end. Each member who visited the park may well have different experiences while there which can help when filling out a Witness statement [we will help you with that if it comes to it.] if you have thrown away the original PCN  and other paperwork you obviously haven't got a jerbil or a guinea pig as their paper makes great litter boxes for them.🙂 You can send an SAR to them to get all the information Met have on you to date. Though if you have been to several sites already, you may have done that by now. In the meantime, you will be being bombarded by illiterate debt collectors and sixth rate solicitors all threatening you with ever increasing amounts as well as being hung drawn and quartered. Their letters can all be safely ignored. On the odd chance that you may get a Letter of Claim from them just come back to us and we will get you to send a snotty letter back to them so that they know you are not happy, don't care a fig for their threats and will see them off in Court if they finally have the guts to carry on. If you do have the original PCN could you please post it up, carefully removing your name. address and car registration number but including dates and times. If not just click on the SAR to take you to the form to send to Met.
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Cap1 & CCA return


tamadus
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Hi

regarding the sectio 59 issue apparently we need to find

The Agreements to enter Prospective Agreements)

(Exemptions) Regulations 1983(a)

according to the 1983 regs i have tried ti find them on line i dont know if anyone esle might have more luck

Otherwise it is back to the library

 

Regards

Peter

r

 

 

 

If they are 1983 regs then it's off to TSO yet again as they wont be online.

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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i've been following this thread with great interest, and fair enough i've not read all 339 pages of it, but i will get around to it slowly. the main reason is what tamadus say's is to debate on the issues of the CCA 1974 and it's complexities. when this is all said and done i think a few beers will be in order for the pioneers of this thread.

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Good work Peter. I think this latest revelation sounds promising. I need to think what this all means. Most of my stuff has cancellation boxes, even those that are clearly application forms but I am still intrigued about the impact of S59. It is the finality of the signing of the document that seems to be the crucial factor.

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This is great news to a lot of us and warrants more time and study so we can plan the best line of attack. Well done, yet again Peter.

 

 

 

Here here!

Disclaimer: Anything I write in these forums is my personal opinion and offered without prejudice. If in doubt, please seek independent legal advice.

 

*If what I have told you in this post has helped, please press the star at the bottom left and tell me!!*

 

My charges claims:

un1boy vs egg *SETTLED* | Un1boy vs LTSB-SETTLED | un1boy vs Black Horse-SETTLED | Un1boy v Smile *WON* | un1boy v HSBC - SETTLED! | Un1boy's HSBC CC - SETTLED! | Un1boy vs Co-Op *SETTLED* |un1boy vs Co-Op CC *SETTLED*

 

Default removals:

un1boy v Equifax - Default removal

un1boy vs Experian - Default removal

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ive read a bit on this thread but thier is soo much here, and it jumps a bit from time to time, jus for the benifit of ppl that have not been following could u explain in as much plain english as pos wot this thred is about! i know we could read but thier are so many posts jumping about it gets a bit confusing and would take forever and a day to read. would be much appreciated by many i think, ta

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ive read a bit on this thread but thier is soo much here, and it jumps a bit from time to time, jus for the benifit of ppl that have not been following could u explain in as much plain english as pos wot this thred is about! i know we could read but thier are so many posts jumping about it gets a bit confusing and would take forever and a day to read. would be much appreciated by many i think, ta

 

d1cky

 

try here for a summary, strategy and sample letters

 

http://www.consumeractiongroup.co.uk/forum/site-questions-suggestions/79147-consumer-credit-act-resources.html

 

Z

[sIGPIC][/sIGPIC]

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ive read a bit on this thread but thier is soo much here, and it jumps a bit from time to time, jus for the benifit of ppl that have not been following could u explain in as much plain english as pos wot this thred is about! i know we could read but thier are so many posts jumping about it gets a bit confusing and would take forever and a day to read. would be much appreciated by many i think, ta

 

d1cky,

 

It's not easy to summarise this thread in a few words. Basically though we are slowly working through various aspects of the consumer credit act and working out what if any relevence thay may have and if the various companies have actually complied.

 

Where we find that compliance is suspect some of us are then going on to challenge both the compliance and the enforceability of any alleged agreements.

 

Hope that helps

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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Hey Peter - I know you are the guy for this query of mine, I'm trying to get my wording together for a hearing 16th : application to set aside a CCJ which is based on an agreement regulated by the CCA Act 1974, and is not in the prescribed form, I am going for the 'unenforceable' element S.60, and I think, Statutory Instrument 1533/1983. I believe I should also use sections relevant to Unfair relationships, (127) as I do not have a copy Agreement from the creditor, after signing in the shop, where the copy they rely on is signed by me and their representative only. My agreement states NON cancellable. Would I be right to add that other bit??

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Hi Guy's,

Just for the avoidance of doubt, I wish to make it clear to other members that this (my) post caused another BAG/CAG member to ask questions:-

 

http://www.consumeractiongroup.co.uk/forum/general/33174-consumer-credit-act-agreements-334.html?highlight=consumer+credit+agreements#post804293

 

Of which I did not recieve a response? (no matter)

 

Now, a BAG/CAG member asked for an answer/response relating to my post because he/she finds him/herself in a similar predicament. However, the post in which the question, or questions were raised showed arrogance and sarcasm...possibly caused by stress from debtland!!!

 

http://www.consumeractiongroup.co.uk/forum/general/33174-consumer-credit-act-agreements-339.html?highlight=consumer+credit+agreements#post816381

 

Please let me make it quite clear that this forum is not cli'quy...a clique.

 

We all need each other and I am sad to see that this particular BAG/CAG member has deleted ALL posts from every single forum on this website!!!

 

Very Bad/Sad

 

Love AC

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Hey Peter - I know you are the guy for this query of mine, I'm trying to get my wording together for a hearing 16th : application to set aside a CCJ which is based on an agreement regulated by the CCA Act 1974, and is not in the prescribed form, I am going for the 'unenforceable' element S.60, and I think, Statutory Instrument 1533/1983. I believe I should also use sections relevant to Unfair relationships, (127) as I do not have a copy Agreement from the creditor, after signing in the shop, where the copy they rely on is signed by me and their representative only. My agreement states NON cancellable. Would I be right to add that other bit??

 

 

Campari2 i am too trying to get a CCJ set aside after finding out they do not have a credit agreement. I admitted the debt and they accepted my offer but i now know the enforeced the debt illegally. However my problem is from the date of judgement 5th March to now is more than 14 days, which is the time allowed for a set aside in the forms. How long has it been between your judgement and set aside? just wondred if im going to have any luck with this because of the time passed.

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Yaffsimone - it is a few months since mine however - the judgement was made by the judge, based on the facts presented to him/her, on the day!

 

I now wish to state my case based on the fact that I have obtained new information that causes me to dispute the original debt. Hows that?!:)

 

Also, I was not present at the original hearing, and in my case there were some errors on the part of the court staff, but this should not make a difference to you putting in an application to set aside. Quote which parts of the CCA you rely on. Pay the £35, or £65 !! if the other side do not agree, which they won't of course. Good Luck.

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Quote which parts of the CCA you rely on. Pay the £35, or £65 !! if the other side do not agree, which they won't of course. Good Luck.

 

I will have to quote all of the CCA. They dont have a credit agreement. After the judgement was entered i wrote to them asking for a copy of the agreement, they replied 'Miss ***** we dont have one!'

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Yaffsimone - I must stress to you that I am not a legal bod but giving you an opinion of mine, based on personal dealings with such issues, however, I know that there are many well informed persons on this forum that will add to your query. There are answers in here already regarding 'lack of agreements' and the proper course of action. When I spoke of the CCA is meant the Consumer Credit Act, rather than your actual agreement. If you do not have one, and they even admit to not having it, then I do think it cannot be enforced. Possible part from the Act as follows: Section 127 (3) precludes the court from making an enforcement order if section 61 (1) a (signing of agreements) was not complied with. There are probaly several sections you could refer to but hold on for some definative answers.........also read through the CCA from the available links in here if you can. To put an application through the court will entail paying a fee, their costs lists are available on the hmcourts service web, there is scope for not paying fees for those on benefits etc. Hope this helps.

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Good work Peter. I think this latest revelation sounds promising. I need to think what this all means. Most of my stuff has cancellation boxes, even those that are clearly application forms but I am still intrigued about the impact of S59. It is the finality of the signing of the document that seems to be the crucial factor.

 

Hi

 

Yes i am hoping that this will be another weapon in the arsonel to use against shonky creditors.

If you remember we looked into this some time ago but where unsure if this section related to the current agreement or some other future account mentioned in it, i think it was Pam that suggested this and in all fairness it sounded logical so the item was dropped.

However the section 59 kept cropping up and i never felt comfortable with it so i included the query in most of my correespondence with the OFT.

From the latest reponse it appears that it does apply to the currently execiuting agreement, and that there is an SI dedicated to exemptions to the secton.

We know that the act applies to an uncancellable agreement made away from Trade premises with no prior contact (before the DMR).

 

That was another thing that always bothered me ,why did these earlier "distance" contracts contain the cancellation notices?they didn't have to according to the CCA.

Well now we know it was because section 59 would have made them void otherwise.

 

THe thng now is to get hosd of the SI and find out exactly what section 59 does apply to.

 

There is mention of the regulations in the 1983/1553 but i have not yet been able to get a coppy.

 

It seems to me that the section was intruduced in oder to protect the debtor from signing an agreement and having no rights to cancell or see that the agreement was properly executed by the debtor.

If this is the case you would think that it would also apply to other non cancellable agreements,the ones signed on debtors premisses for instance.

 

This is speculation at this stage of course but i think it is worth exploiring.

I like the use of the word Void in the section,not unenforceable not incorrectly executed but void.ie nothing in it no permission to share data no repaymen schedule was ever agreed.

 

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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Hey Peter - I know you are the guy for this query of mine, I'm trying to get my wording together for a hearing 16th : application to set aside a CCJ which is based on an agreement regulated by the CCA Act 1974, and is not in the prescribed form, I am going for the 'unenforceable' element S.60, and I think, Statutory Instrument 1533/1983. I believe I should also use sections relevant to Unfair relationships, (127) as I do not have a copy Agreement from the creditor, after signing in the shop, where the copy they rely on is signed by me and their representative only. My agreement states NON cancellable. Would I be right to add that other bit??

 

 

HI C

 

I an sorry i have not replied before i have been in hospital for a few days ok now though.

Please feel free to use the letter.

You would not be able to hit them with the uneforceability issue under section127(4) as the agreement was uncancellable.

 

However may i ask if the document was signed at the same time by the creditor.

 

Regards

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 C

 

I an sorry i have not replied before i have been in hospital for a few days ok now though.

Please feel free to use the letter.

You would not be able to hit them with the uneforceability issue under section127(4) as the agreement was uncancellable.

 

However may i ask if the document was signed at the same time by the creditor.

 

Regards

Sorry you've been poorly mate, hop you are OK.

 

Back to section 59 business, which SI are they referrring to.

 

MIke

If I've helped tip my scales

 

Blair Oliver & Scott, £2500 written off December 2006 Default removed January 2007:D

http://www.consumeractiongroup.co.uk/forum/general-debt/56001-mike220359-blair-oliver-scott.html

 

Monument, didn't sign the agreement

:D

 

Lloyds TSB didn't sign the agreement!

:D

 

Citicards, didn't sign the agreement

:D

 

RBS tut, tut!

:rolleyes:

 

Morgan Stanley, oh dear

:rolleyes:

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Hi

regarding the sectio 59 issue apparently we need to find

The Agreements to enter Prospective Agreements)

(Exemptions) Regulations 1983(a)

according to the 1983 regs i have tried ti find them on line i dont know if anyone esle might have more luck

Otherwise it is back to the library

 

Regards

Peter

Hi Thanks i feel much better now i don't know the number but the title is above. I would expect them to be in the 1500/ 1600 range but that is just a guess

 

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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Just a quick drop in to let you all know that MBNA sent me a copy of a credit card mailer in response to my CCA request, which according to the young lady I spoke to on the phone, satifies S78 of the CCA 1974. And it arrived only just short of two months after the initial 12+ 2 days.

 

I told her they could not enforce agreement whilst in default, and read S78 to her and she kindly told me they hadn't "defaulted" me yet - I then had to explain that it was MBNA in default, not me, and also explain which party is the creditor and which the debtor.

 

It wears you out sometimes, doing their jobs for them.

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Hi

regarding the sectio 59 issue apparently we need to find

The Agreements to enter Prospective Agreements)

(Exemptions) Regulations 1983(a)

according to the 1983 regs i have tried ti find them on line i dont know if anyone esle might have more luck

Otherwise it is back to the library

 

Regards

Peter

 

Hi Thanks i feel much better now i don't know the number but the title is above. I would expect them to be in the 1500/ 1600 range but that is just a guess

 

Regards

Peter

 

think it might be these you are after. not been able to find online

 

Consumer Credit (Agreements to enter Prospective Agreements) (Exemptions) Regulations 1983

S.I.No1552

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Hi

 

That particular case involved a pawn agreement and was subject to a particular section of the CCA that states that a creditor may not enforce the security (pawn), or the agreement. Mrs Wilson had not paid any money in the first place, so it is not the case that she received any money back, only the items she had pawned.

 

That quote does not imply that a debtor will be entitled to reclaim monies already paid under an unenforceable agreement. Such an agreement is not void or invalid - it simply means that the creditor cannot force you to pay.

 

Regards, Pam

 

Pam,

 

in the Wilson case it is true that initially Wilson did not repay any monies. She then commenced proceedings and in the first court case the judge reduced the interest and Wilson appealed to the Court of Appeal. Pending the appeal Mrs Wilson paid £6900 to redeem her car.

 

The court of appeal then ruled the agreement was "unenforceable" and ordered the return of the repayment of the £6,900 plus interest of £662. "The overall result was that Mrs Wilson was entitled to keep the amount of her loan, pay no interest and recover her car." This was cause for concern and the case was moved on to the House of Lords, where the Attorney General appeared on behalf of the Secretary of State for Trade and Industry.

 

Cherry picking outrageously one bit for the House Of Lords, I like the following;

Lord Nicholls states

"72. Undoubtedly, as illustrated by the facts of the present case, section 127(3) may be drastic, even harsh, in its adverse consequences for a lender. He loses all his rights under the agreement, including his rights to any security which has been lodged. Conversely, the borrower acquires what can only be described as a windfall. He keeps the money and recovers his security."

Now I appreciate that the above paragraph concerns the security (her car) but the House of Lords did nothing about the court of appeal returning the monies she had paid. Would it be to large a leap to say one could recover all monies paid to an unenforceable agreement?

 

All comments welcome

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Hi all

 

Just got off the phone from the collections dept of my favourite CCP

 

Classic

 

CCP You are in arrears of £xxx (large lump) can you pay that today?

 

Me No.

 

CCP Can you pay some of it?

 

Me No.

 

CCP Could you tell my why not?

 

Me Because you are in default of my CCA request

 

CCP Long pause Erm excuse me, I will put you on hold while I speak to a colleague. Long pause Could you tell me how far back you want the notes.

 

Me Pardon?

 

CCP Could you tell me how far back you want the notes.

 

Me I think you misunderstand, you have not complied with my CCA request.

 

CCP Long pause Erm excuse me, I will put you on hold while I speak to a colleague. Long pause. OK right I am sending this account to a different department, they will receive it tomorrow, so they have twelve days to send you the information.

 

 

 

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Pam,

 

in the Wilson case it is true that initially Wilson did not repay any monies. She then commenced proceedings and in the first court case the judge reduced the interest and Wilson appealed to the Court of Appeal. Pending the appeal Mrs Wilson paid £6900 to redeem her car.

 

The court of appeal then ruled the agreement was "unenforceable" and ordered the return of the repayment of the £6,900 plus interest of £662. "The overall result was that Mrs Wilson was entitled to keep the amount of her loan, pay no interest and recover her car." This was cause for concern and the case was moved on to the House of Lords, where the Attorney General appeared on behalf of the Secretary of State for Trade and Industry.

 

Cherry picking outrageously one bit for the House Of Lords, I like the following;

 

Lord Nicholls states

 

"72. Undoubtedly, as illustrated by the facts of the present case, section 127(3) may be drastic, even harsh, in its adverse consequences for a lender. He loses all his rights under the agreement, including his rights to any security which has been lodged. Conversely, the borrower acquires what can only be described as a windfall. He keeps the money and recovers his security."

 

Now I appreciate that the above paragraph concerns the security (her car) but the House of Lords did nothing about the court of appeal returning the monies she had paid. Would it be to large a leap to say one could recover all monies paid to an unenforceable agreement?

 

All comments welcome

 

Hi

 

The reason why Mrs Wilson paid the £6,900 was because the 1st instance judge had declared the agreement enforceable and allowed her a certain time limit to pay the loan, failing which the court gave the creditor liberty to realise the security.

 

She had therefore paid this money under a ruling of the court, which was then overturned by the COA. Because the order of the 1st instance judge amounted to enforcement of the agreement (subsequently declared to be unenforceable) the creditor was ordered to return her payment + interest accrued since that 1st judgement.

 

These were special circumstances and do not set a precedent for general claims.

 

An unenforceable agreement is still valid and lawful. I have already lost a claim for reimbursement under an unenforceable agreement, where the judge ruled that any payments made according to the (still valid) terms of an unenforceable agreement are made voluntarily and therefore the creditor is entitled to retain them. 'Unenforceable' is not the same as 'void' - it simply means that a creditor cannot force you to pay!

 

I feel that any similar claim made at county court level is likely to be met with the same ruling. Any challenge to this would then have to be made on appeal - a costly and risky business! Only the COA and HL can change the law, county courts simply apply the general consensus!

 

Regards, Pam

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:

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Hi

I have received my credit agreement from HFC which looks fine and contains most everything it should. (I think!)

The only thing missing,is the little box with cancellation rights. Is this because it's a non-cancellable agreement? If so, what does that actually mean? it's from a loan (a re-write) conducted by telephone and sent for me to sign and return.

I've read and tried to understand the difference between cancellable and non-cancellable agreements but finding it a little daunting.

Could someone give it to me in one word syllables.............

Thank you

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about as good as mine today with my favourite CCP, who told me they had complied with my CCA request...no you haven't......yes we have.......you haven't sent me a copy of the executed agreement under S78 of CCA....hold on I'll speak to my supervisor, yes we have, a credit card mailer satisfies the CCA......are you telling me that what you've sent me is a copy of one of my credit card mailers?.........Yes.

 

:D

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