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    • Hearing took place today.  Case dismissed with costs awarded. Neither UKPC or a representative turned up.  Apparently they messaged the court on 7 May asking for their case to be considered on paper.  Never informed me, which was criticised by the judge as not following procedure.  I was really annoyed as I would have preferred for the case to be thrown out before the hearing, or at least face them in court and see them squeal.   They are just playing a numbers game and hope you blink 1st!   Ended up having to change my flight, but  the costs awarded softens the blow. Was asked to confirm it was my signature on both the witness statement and supplementary statement.  Wasn't asked to read them, said she could see my arguments made and the signs were insufficient and no contract formed. Took maybe 10 mins in total.  Judge did most of the talking and was best for me just to keep quiet or confirm any statements made. Happy to have won as a matter of principle and have costs awarded. Maybe not worth all the time and hassle for any newbies or the technologically challenged.  But if you are stubborn like me and willing to put in the time and effort, you can beat these vultures! I big shout out to everyone who helped on the thread with their advice and guidance, special mention to FTMDave, thank you sir!  Really appreciate everyone's efforts. All the best!
    • I plan to be honest to avoid any further trouble, tell them that the name should be changed to my official name
    • There is no evidence that I was issued a PCN that was placed on the car and removed. It seems that I was issued a £60 PCN on the 8th of March (the parking date) but it was never placed on my car, instead,  they allege that they posted the PCN on the 13th of March and deemed delivered on the 15th. I never got this 1st £60 PCN demand. I only know about all of this through the SAR. I only received the second PCN demanding £100, which was deemed delivered on 16/04/2024 - that is 39 days after the parking incident.  I did a little research and "Legislation states that postal PCNs must be sent within 28 days, unless otherwise stated in the Regulations." as per London Councils Code of Practice on Civil Parking Enforcement.  The main issue is that I was not aware of the 1st £60 PCN as I didn't receive it - I'm not sure how this relates to the 28-day rule because that rule applies to the initial £60 PCN. PCM could say that "we sent him the letter by post and it was deemed delivered on the 15th of March" therefore the 28-day rule does not apply.  As regards the safety of the parking attendant, that is clearly something he chose to feel and he made the decision that his safety was threatened - I didn't even see him or had any interaction with him. I'm nearly 50 and I definitely don't look aggressive  I have also found this:  D.2 Service of a PCN by post: 54) There are some circumstances in which a PCN (under Regulation 10) may be served by post: 1) where the contravention has been detected on the basis of evidence from an approved device (approved devices may only be used in limited circumstances) 2) if the CEO has been prevented, for example by force, threats of force, obstruction or violence, from serving the PCN either by affixing it to the vehicle or by giving it to the person who appears to be in charge of that vehicle 3) if the CEO had started to issue the PCN but did not have enough time to finish or serve it before the vehicle was driven away and would otherwise have to write off or cancel the PCN 55) In any of these circumstances a PCN is served by post to the owner and also acts as the NtO. The Secretary of State recommends that postal PCNs should be sent within 14 days of the contravention. Legislation states that postal PCNs must be sent within 28 days, unless otherwise stated in the Regulations. This from London Councils Code of Practice on Civil Parking Enforcement.  The question is what is an approved device? Certainly, he had the opportunity to place the ticket on my car and I didn't drive away.  I looked further and it seems that an approved device is a CCTV camera - It seems that the photos taken were not actual film but images and it is not clear if they are taken from a video or are stills. I'm guessing if it was moving images then the SAR would have stated this.  From the Borough of Hounslow website: "There are two types of PCN issued under the Traffic Management Act 2004, which governs parking contraventions. The first is served on-street by a Civil Enforcement Officer, who will observe a vehicle and collect evidence before serving the PCN either by placing it in a plastic wallet under the windscreen wiper, or by handing it to the driver. The second is a PCN served by post, based on CCTV footage taken by an approved device, which has been reviewed by a trained CCTV Operator." From Legislation.gov.uk regarding approved devices: Approved Devices 4.  A device is an approved device for the purposes of these Regulations if it is of a type which has been certified by the Secretary of State as one which meets requirements specified in Schedule 1. SCHEDULE 1Specified requirements for approved devices 1.  The device must include a camera which is— (a)securely mounted on a vehicle, a building, a post or other structure, (b)mounted in such a position that vehicles in relation to which relevant road traffic contraventions are being committed can be surveyed by it, (c)connected by secure data links to a recording system, and (d)capable of producing in one or more pictures, a legible image or images of the vehicle in relation to which a relevant road traffic contravention was committed which show its registration mark and enough of its location to show the circumstances of the contravention. 2.  The device must include a recording system in which— (a)recordings are made automatically of the output from the camera or cameras surveying the vehicle and the place where a contravention is occurring, (b)there is used a secure and reliable recording method that records at a minimum rate of 5 frames per second, (c)each frame of all captured images is timed (in hours, minutes and seconds), dated and sequentially numbered automatically by means of a visual counter, and (d)where the device does not occupy a fixed location, it records the location from which it is being operated. 3.  The device and visual counter must— (a)be synchronised with a suitably independent national standard clock; and (b)be accurate within plus or minus 10 seconds over a 14-day period and re-synchronised to the suitably independent national standard clock at least once during that period. 4.  Where the device includes a facility to print a still image, that image when printed must be endorsed with the time and date when the frame was captured and its unique number. 5.  Where the device can record spoken words or other audio data simultaneously with visual images, the device must include a means of verifying that, in any recording produced by it, the sound track is correctly synchronised with the visual image. The rules state that "approved devices may only be used in limited circumstances"  I was not a threat. I was not present. I did not drive away. I think he has not fulfilled the necessary requirements justifying issuing me a PCN by post therefore the PCN was issued incorrectly and not valid.  What are your thoughts? I found that the parkin attended has a car with CCTV camera on it, however as I stated earlier, it seems that he did not take video of my car otherwise they would have stated so in the SAR. parking car .pdf
    • okay will do. I'll let you know if anything transpires but once again - many thanks
    • Personally I would strongly suggest not risking going there with debts. Very possible you wont get back out again. And I know many in that position. Not jailed just unable to leave. the stories of Interpol in other countries sounds far fetched but in and out of Dubai is not a good idea. only two weeks ago a mate got stopped albeit a govt debt.
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      On 15/1/24 booked appointment with Big Motoring World (BMW) to view a mini on 17/1/24 at 8pm at their Enfield dealership.  

      Car was dirty and test drive was two circuits of roundabout on entry to the showroom.  Was p/x my car and rushed by sales exec and a manager into buying the mini and a 3yr warranty that night, sale all wrapped up by 10pm.  They strongly advised me taking warranty out on car that age (2017) and confirmed it was honoured at over 500 UK registered garages.

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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.

      Frankly I don't think that is any accident.

      One of the points that the judge made was that the customers contract with the broker specifically refers to the courier – and it is clear that the courier knows that they are acting for a third party. There is no need to name the third party. They just have to be recognisably part of a class of person – such as a sender or a recipient of the parcel.

      Please note that a recent case against UPS failed on exactly the same issue with the judge held that the Contracts (Rights of Third Parties) Act 1999 did not apply.

      We will be getting that transcript very soon. We will look at it and we will understand how the judge made such catastrophic mistakes. It was a very poor judgement.
      We will be recommending that people do include this adverse judgement in their bundle so that when they go to county court the judge will see both sides and see the arguments against this adverse judgement.
      Also, we will be to demonstrate to the judge that we are fair-minded and that we don't mind bringing everything to the attention of the judge even if it is against our own interests.
      This is good ethical practice.

      It would be very nice if the parcel delivery companies – including EVRi – practised this kind of thing as well.

       

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


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Ok I think C)

 

 

 

Comments welcome.

hI

 

I would delete the referencenumbers relating to the OFT FAQ as thes do not appeari n the act itself and also the questions that are copied from the FAQ, just leave the answers together with the references to the regulations ie scheduls 6 for the prescribed terms.

 

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 all, can someone cast an eye over this letter and tell me if it sounds ok??

cheers....Russ

 

LETTER BEFORE ACTION

 

To Moorcroft Debt Recovery,

Thank you for your letters dated 14/05/2007 and 24/05/2007. As previously requested you have still as yet failed to supply a true and genuine copy of the alleged Consumer Credit Agreement, Terms and Conditions and Statement of Account as required by law no later than 13th April 2007. deleted

I understand a criminal offence may have been committed and subsequently a compliant has been passed to the relevant authorities.

 

As a consequence of the failure to comply with the statutory responsibilties under the CCA 1974 please take note that I do not recognise this alledged debt nor any liability to your company whatsoever

 

Furthermore I have discovered that you have been taking money from me for non existant loan agreements. I require this money be paid back within the next 14 days! Failing which I reserve the right to seek whatever legal recourse there is open to me.

 

I would remind you that failure to supply a properly excuted 'signed' agreement is a complete defence against any enforcement

 

I am fully prepared to vigorously defend any legal action taken by either EGG PLC or Moorcroft Debt Recovery Ltd. After almost 4 years trying to address my concerns with EGG PLC and Moorcroft.

 

Should you attempt to visit me as threatened then be advised that I shall consider your actions to be criminal tresspass and shall report you accordingly.

 

As a result of my past experiences with your company I shall not enter into any direct discussions either on the telephone or face to face and I am only prepared to take this matter forward in writing.

 

Yours Sincerely

 

See above Don't quote the regs verbatim, only in general terms as I have. Don't do their work for them let them figure it out

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Thanks Pliny.....I will revise my letter and post today....

I have spent 8 hrs writing and rewriting the letter.....removing ranting and anything that could look either rude or provocative....

I was going for ....I know what I am talking about.....and............. I am being patient and fair......just in case this does goto court and a judge see's I am bending over backward to be civil.......lol

Thanks again....

Russ...

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Hi Guys

 

Re: Morgan Stanley's non compliance of S78 CCA 1974

 

Well, it's bad news I am afraid!!!

I have done all that I can but Trading Standards will not prosecute.

 

Frankly, I will be surprised if any of you will be able to get TS to prosecute.

I have tried my best but it's hopeless.

 

A speechles angry cat

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Hi Guys

 

Re: Morgan Stanley's non compliance of S78 CCA 1974

 

Well, it's bad news I am afraid!!!

I have done all that I can but Trading Standards will not prosecute.

 

Frankly, I will be surprised if any of you will be able to get TS to prosecute.

I have tried my best but it's hopeless.

 

A speechles angry cat

 

 

I really don't know what the problem is with TS at all - I know of several people who have gone to them with strong cases etc.. and they seem to walk away from it - maybe it's a funding issue? Lack of collective knowledge? Risk elements? I am really baffled as TS are there to rpotect us? seems they don't protect us doesn't it?

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AC Write once more & tell them if they refuse continualy to perform their responsibility you will report them for maladministration.

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Hi Guys

 

Re: Morgan Stanley's non compliance of S78 CCA 1974

 

Well, it's bad news I am afraid!!!

I have done all that I can but Trading Standards will not prosecute.

 

Frankly, I will be surprised if any of you will be able to get TS to prosecute.

I have tried my best but it's hopeless.

 

A speechles angry cat

 

 

Please accept my apologies i have just picked this thread up. Did you send it toy our local TS or MS local TS. It might be they wont prosecute because they are in Morgan Stanleys pocket! its not unheard of. Could you send it to another area?

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hi angrycat,

 

i think it is really stupid ts will not prosecute has this law just been invented as to deter the pesants from gaining power over banks etc

like if they do this we are on your side so they go and stick the fingers up at the law and the body looking over this says thats ok its just the normal guy in the street complaining please carry on screwing every one over:mad:

 

they would probably be happier if we all went bank rupt i might just give them a run for their money soon and go nuclear and do this:rolleyes:

 

regards

 

out of cash

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Well 1st Credit/MBNA sent their interpretation of a Credit Card agreement.

Barely readable photostat of a fax by the looks of it.

 

Also all of it is hand filled in apart from what appears to be a typed sticker with my name and old address details on.

 

No T&C's, no APR info, No upto date statement. Just this unreadable single sided sheet.

 

Any ideas what next folks.

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Hi Guys

 

Re: Morgan Stanley's non compliance of S78 CCA 1974

 

Well, it's bad news I am afraid!!!

I have done all that I can but Trading Standards will not prosecute.

 

Frankly, I will be surprised if any of you will be able to get TS to prosecute.

I have tried my best but it's hopeless.

 

A speechles angry cat

 

AC

 

before everyone goes off at a tangent, can you please post there reasons why they will not prosecute.

 

thanks

 

Z

[sIGPIC][/sIGPIC]

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Hi AC....

 

As you know I am in a VERY similar situation, and this is a shocking turn up....

 

However Since my last round of letters to MS they have gone VERY quiet.....and not replied to the last two faxs and the recorded letter.

 

However if they wake up......I shall take out a civil action (N1) and see what they make of that. I had heard of someone doing the same with MBNA and to stop the action mbna paid up.....with interest and a compensation amount.

 

I have a few things going on at the moment, but will get round to MS again very shortly

 

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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HI

I think we should take some affirative action about the discraceful none action of the OFT.

What i am suggesting is a letter of complaint to the DTI with a few examples on board.

I would like this to be a joint effort so what i have done is produce a rough draft document and invite modifications and especially cases that comply in the form of X verses y defaulted such adate reprted to OFT sucha date no action taken .

just copy the document and post any recomendations to changes in tthe form of the letter and esecially your experiances with the OFT I would hope to get this in the post by the end of the week preferably sooner

 

Best regards

and here it is Peter

 

 

Date

 

Ian McCarty DTI

 

Ref: refusal or inability for the OFT to enforce defaults and offences of the consumer credit act 1974.

 

Dear Sirs

 

We write to you in a matter of great concern regarding the above.

Currently there are a number of creditors that blatantly disregard the requests made by members of the public to provide information as regulated by section180 of the act.

We have a number of records of cases where creditors have failed to comply with the copy of documents regulations in particular sections 77-78 and are currently in the position where they are not only in default by none compliance but have committed an offence.

The designated procedure in these cases is to report the offence to the OFT for investigation and subsequent prosecution if required.

We find however that the response we receive from the OFT is that they cannot afford to pursue the action.

The result of this is that the creditor continues unlawfully to pursue the debt.

A brief example of the cases currently in this position detailed below

 

 

I would like to sign this CAG but am quite happy to sign in my own name if necessary

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

I think we should take some affirative action about the discraceful none action of the OFT.

What i am suggesting is a letter of complaint to the DTI with a few examples on board.

I would like this to be a joint effort so what i have done is produce a rough draft document and invite modifications and especially cases that comply in the form of X verses y defaulted such adate reprted to OFT sucha date no action taken .

just copy the document and post any recomendations to changes in tthe form of the letter and esecially your experiances with the OFT I would hope to get this in the post by the end of the week preferably sooner

 

Best regards

and here it is Peter

 

 

Date

 

Ian McCarty DTI

 

Ref: refusal or inability for the OFT to enforce defaults and offences of the consumer credit act 1974.

 

Dear Sirs

 

We write to you in a matter of great concern regarding the above.

Currently there are a number of creditors that blatantly disregard the requests made by members of the public to provide information as regulated by section180 of the act.

We have a number of records of cases where creditors have failed to comply with the copy of documents regulations in particular sections 77-78 and are currently in the position where they are not only in default by none compliance but have committed an offence.

The designated procedure in these cases is to report the offence to the OFT for investigation and subsequent prosecution if required.

We find however that the response we receive from the OFT is that they cannot afford to pursue the action.

The result of this is that the creditor continues unlawfully to pursue the debt.

A brief example of the cases currently in this position detailed below

 

 

I would like to sign this CAG but am quite happy to sign in my own name if necessary

 

Excellent Peter, I would be in if I had got that far.

Please note: I give advice, in good faith, based on my reading and experience. Please satisfy yourself, that any advice given is accurate in content before acting upon it.

A to Z index

http://www.consumeractiongroup.co.uk/forum/site-questions-suggestions/53182-cant-find-what-youre.html

 

...........................................................................

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How about a mass emailing campain, sending the above letter to the OFT?

 

Hang on, are we talking OFT or TS? AC was referring to TS. I have to say my local TS were absolutely bloody useless, I don't want to expand too much because my situation is on a knife edge at the moment but suffice to say I made a very strongly worded complaint which has not been responded to in several weeks.

 

The words "arse" and "elbow" spring to mind.....................

 

 

Regards,

 

 

Corn x:)

CLICK ON THE SCALES IF YOU THINK I HAVE HELPED!

 

I AM NOT SCARED ANYMORE!:rolleyes:

 

MBNA - To quote "The Carpenters", We've Only Just Begun..................;):D

HSBC - Settled.

Capital One - S.A.R - (Subject Access Request) issued.

Goldfish - S.A.R - (Subject Access Request) issued.

Tesco - SAR issued.

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May I also add that we organised a mass complaint regarding MBNA via the MBNA forum. My advice would be to nominate one person who is happy to gather information via PM. In our situation we had one nominee who provided her email address to those that PM'd her regarding the mass complaint thread.

 

The advice is to put together one page with your name and account number and then list the various breaches/complaints. Try and keep this to one A4 page (challenging, I know:rolleyes:). Email this to your nominee and they will print out and collate the complaints.

 

To clarify, give yourselves a deadline for the complaints, for example, we left the thread open for two months. Once we had collected all the complaints, we sent them to FOS, OFT, TS, FSA, ICO. It's been quiet, so I guess they are wondering how to deal with such a complaint!

 

However, I think this is a very effective way of complaining and I would suggest that you all go for it.

 

Having orchestrated the MBNA issue, I would be glad to see somebody take the helm with the other banks. Any Morgan Stanley peeps, do let me know as I will be glad to tell the authorities about my 400-odd conjectured agreements:rolleyes: I just want to know which ONE is enforceable?!!!:D

 

 

Regards,

 

Corn x:)

  • Haha 1

CLICK ON THE SCALES IF YOU THINK I HAVE HELPED!

 

I AM NOT SCARED ANYMORE!:rolleyes:

 

MBNA - To quote "The Carpenters", We've Only Just Begun..................;):D

HSBC - Settled.

Capital One - S.A.R - (Subject Access Request) issued.

Goldfish - S.A.R - (Subject Access Request) issued.

Tesco - SAR issued.

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400 agreements??? Amazing lol

Abbey - *SETTLED IN FULL!* ;)

-£445 refunded after one phonecall

HERE

 

Lloyds - Reclaiming Charges ***WON!***

-09/05/07 - Prelim delivered

-22/05/07 - LBA sent - no response

-11/07/07 - Filed at court

- 26/07/07 - Full settlement offer!!!! Donation made ;)

HERE

 

Next - Trying to Sue us with no agreement! :lol:

-29/06/07 - Defence filed

-16/08/07 - AQ filed

-19/09/07 - Claim struck out!! :p

HERE and continued HERE

 

PLEASE CLICK MY SCALES IF I'VE HELPED!

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400 agreements??? Amazing lol

 

Monopoly, yes, laugh out LOUD indeed! 467 to be exact. Bless them. Been VERY quiet since my complaint........what do you think the Judge would say???

 

Also I ended up with repetitive strain injury opening up the envelopes, despite my darling 8 year old daughter helping me.........."Wow Mum, they have tried really hard to help you haven't they"????

 

Bless her heart!.........:)

CLICK ON THE SCALES IF YOU THINK I HAVE HELPED!

 

I AM NOT SCARED ANYMORE!:rolleyes:

 

MBNA - To quote "The Carpenters", We've Only Just Begun..................;):D

HSBC - Settled.

Capital One - S.A.R - (Subject Access Request) issued.

Goldfish - S.A.R - (Subject Access Request) issued.

Tesco - SAR issued.

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pmsl :lol:

Abbey - *SETTLED IN FULL!* ;)

-£445 refunded after one phonecall

HERE

 

Lloyds - Reclaiming Charges ***WON!***

-09/05/07 - Prelim delivered

-22/05/07 - LBA sent - no response

-11/07/07 - Filed at court

- 26/07/07 - Full settlement offer!!!! Donation made ;)

HERE

 

Next - Trying to Sue us with no agreement! :lol:

-29/06/07 - Defence filed

-16/08/07 - AQ filed

-19/09/07 - Claim struck out!! :p

HERE and continued HERE

 

PLEASE CLICK MY SCALES IF I'VE HELPED!

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HI

Regarding the letter to the DTI

If everyone is Happy with the letter itself(Post 7119)

PLEASE READ THE EARLIER POST 7119

http://www.consumeractiongroup.co.uk/forum/show-post/post-874870.html

We need as many examples of the OFT's inafectiveness as possible.

I thought we could list them in the folowing form.

 

Example

  • 12 May 2007: Request recieved by capital one for copy documents undet section 77.
  • 26th May 2007:No responce after first statutory period 12 working days they are now in default.
  • 26th May2007 Offence reported to OFT 25th May Case Number ********
  • Creditor continues unlawful pursuance of debt.
  • 26th June 2007:Stil no responce From Capital with correct documentation.
  • 27th june the creditor have now commited an offence this is reported again to the OFT.
  • No action taken by OFT due to shortage of recources.
  • Creditor continues to unlawfully pursue agreement irrespetive of the legisation.

Obviosly your details mey be different you may not have a case numbler or you may not have reported untill after the full 42 days just adapt where nessesary.

You can PM me and i will add the details to the letter or i will pick them up off the posting (with the poters permission)before i send i will post the letter in full once completed in case the are any alteration people want to make.

If their are any details you want to send but do not want posting let me know and i wil leave them off the final posting but include them in the letter.

I do not want anyone to take offence at me doing this off the cuff but we need to do something.

 

Best 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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Does anyone know anything about digital signatures? I received a supposed 'agreement' which was just a printout of T&C's from their site. My name is on the front page but they could put anyone's name there. There is two, ticked and dated boxes, one by myself and one by MBNA.

Is this enforcable?

Abbey - *SETTLED IN FULL!* ;)

-£445 refunded after one phonecall

HERE

 

Lloyds - Reclaiming Charges ***WON!***

-09/05/07 - Prelim delivered

-22/05/07 - LBA sent - no response

-11/07/07 - Filed at court

- 26/07/07 - Full settlement offer!!!! Donation made ;)

HERE

 

Next - Trying to Sue us with no agreement! :lol:

-29/06/07 - Defence filed

-16/08/07 - AQ filed

-19/09/07 - Claim struck out!! :p

HERE and continued HERE

 

PLEASE CLICK MY SCALES IF I'VE HELPED!

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