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    • If that was the reason then that is good news. The whole reason that being able to charge £100 for breaching private car park rules is because the law Lords decided in a celebrated case that the rogues had a legitimate interest in keeping their car park spaces available for all motorists . {parking Eye v Beavis]. However when the business is closed then there is no legitimate interest in keeping spaces free so to charge £100 is a penalty. As such any Court would automatically throw out the case when the penalty charge is accepted.
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    • yep they can be a bit like the TV licencing lot. for 4yrs ive been getting a series of about 8-10 diff letters that just go round a loop. currently upto 61
    • thread tidied. new thread for the court claim is here  
    • new thread created for this claimform please post here now for anything to do with it now . pop up on the bulk court website detailed on the claimform. [if it is not working return after the w/end or the next day if week time] . When you select ‘Register’, you will be taken to a screen titled ‘Sign in using Government Gateway’. Choose ‘Create sign in details’ to register for the first time. You will be asked to provide your name, email address, set a password and a memorable recovery word. You will be emailed your Government Gateway 12-digit User ID. You should make a note of your memorable word, or password as these are not included in the email.  then log in to the bulk court Website .  select respond to a claim and select the start AOS box. .  then using the details required from the claimform . defend all leave jurisdiction unticked  you DO NOT file a defence at this time [BUT you MUST file a defence regardless by day 33 ] click thru to the end confirm and exit the website .. get a CCA Request running to the claimant . https://www.consumeractiongroup.co.uk/topic/332502-cca-request-consumer-credit-act-1974-updated-january-2015/ .. Leave the £1 PO unsigned and uncrossed . get a CPR  31:14  request running to the solicitors [if one is not listed send to the claimant] ... https://www.consumeractiongroup.co.uk/topic/332546-legal-cpr-3114-request-request-for-information-when-a-claim-has-been-issued/ . .use our other CPR letter if the claim is for an OD or Telecom Debt or Util debt]  https://www.consumeractiongroup.co.uk/topic/332546-legal-cpr-3114-request-request-for-information-when-a-claim-has-been-issued/ on BOTH type your name ONLY Do Not sign anything .do not ever use or give an email . you DO NOT await the return of ANY paperwork  you MUST file a defence regardless by day 33 from the date on the claimform [1 in the count] ..............  
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Endevour Personal Finance


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  • 1 month later...

Hi all,

OK here is a update,

 

i have contacted endevour and reminded them of their obligations under s56 and of how they were responsible for the actions of purple loans and that purple acted as endevours agent.

 

However endevour are continuing to say that i applied for the loan through purple and that i should pursue a claim against purple,

they have also provided me with a copy of the original application to purple loans.

 

my argument is that i did not take on ppi until i signed the credit agreement which was with endevour.

 

Any advice on my next step forward would be appreciated.

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and you have told them this?

 

dx

please don't hit Quote...just type we know what we said earlier..

DCA's view debtors as suckers, marks and mugs

NO DCA has ANY legal powers whatsoever on ANY debt no matter what it's Type

and they

are NOT and can NEVER  be BAILIFFS. even if a debt has been to court..

If everyone stopped blindly paying DCA's Tomorrow, their industry would collapse overnight... 

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Yes i have informed them of this and they are still playing the broker card by reiterarating that the ppi was purchased by myself through purple loans and that endeavour are unable to investigate a complaint over miss sale of ppi.

As for my reminder of there obligations under s56 there response contained no direct comment towards this section of the consumer protection act.

They not yet quoting a final response though !!!

Your help is much appreciated.

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  • 1 month later...

Hi all

I have contacted endevour again and have attempted to establish their position on 2 key areas of my complaint but i have received a reply which totally ignores my points of question, their reply focused totally on a reiteration that purple loans was acting as my agent and therefore responsible for the sale of ppi.

The key points i attempted to establish their position on were:

 

  • Does Endeavour Personal Finance accept liability for the antecedent negotiations of Purple loans ?
  • Does Endeavour Personal Finance accept that The PPI premium formed part of the consumer credit agreement provided by Endeavour Personal Finance and that the signed and agreed credit agreement included the sale of PPI ?

There communication does not contain a "final response" but just totally ignores my main points of concern, should i just go ahead and contact the FOS or should i attempt to gain a final response? Any thoughts or advise would be greatly appreciated, I....

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i would specifically ask them WHY they think they are not responsible for the reclaim under sec 56.

 

NOTHING ELSE

in the letter

 

dx

please don't hit Quote...just type we know what we said earlier..

DCA's view debtors as suckers, marks and mugs

NO DCA has ANY legal powers whatsoever on ANY debt no matter what it's Type

and they

are NOT and can NEVER  be BAILIFFS. even if a debt has been to court..

If everyone stopped blindly paying DCA's Tomorrow, their industry would collapse overnight... 

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  • 1 month later...
Hi, I had a loan though Ocean , financed by Endeavour in/around 2002. I paid this off early in 2003. I don't have any paperwork and I don't have the account number. I have completed the form to send to Endeavour but I am wandering from reading all these threads if this is going to get me anywhere. Not sure how I can go about locating my account number or whether indeed Endeavour will reply and I should write to HFC or HSBC instead. Any advice before I start please would be much appreciated. Thanks JJ

 

start a new thread

 

see below

 

dx

please don't hit Quote...just type we know what we said earlier..

DCA's view debtors as suckers, marks and mugs

NO DCA has ANY legal powers whatsoever on ANY debt no matter what it's Type

and they

are NOT and can NEVER  be BAILIFFS. even if a debt has been to court..

If everyone stopped blindly paying DCA's Tomorrow, their industry would collapse overnight... 

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Share on other sites

  • 3 weeks later...

Hi,

Hopefully someone can help me on this one.

 

I also had a secured loan through Endeavour purchased through Ocean. However Endeavour are telling me that i purchased it through

 

'Paul Newey, trading under Ocean Finance & Mortgage Ltd' Endeavor say:

 

' At no time was Paul Newey an agent of EPF Ltd nor was Paul Newey an appointed Representative of EPF ltd.'

 

So endeavour are saying that because of this they have no liability in this matter for any actions 'allegedly taken or not taken by paul newey'

 

I wrote to Mr Newey and basically he seems to have done some sort of legal deal with the current ocean finance so that he is personal;ly not liable.

 

Irrespective of this Endeavour accepted me for the loan, the loan is with them (or was) and they took the payments (and a contract was signed with them)...does S56 apply?

 

Many thanks

 

/

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Hi,

Hopefully someone can help me on this one.

 

I also had a secured loan through Endeavour purchased through Ocean. However Endeavour are telling me that i purchased it through

 

'Paul Newey, trading under Ocean Finance & Mortgage Ltd' Endeavor say:

 

' At no time was Paul Newey an agent of EPF Ltd nor was Paul Newey an appointed Representative of EPF ltd.'

 

So endeavour are saying that because of this they have no liability in this matter for any actions 'allegedly taken or not taken by paul newey'

 

I wrote to Mr Newey and basically he seems to have done some sort of legal deal with the current ocean finance so that he is personal;ly not liable.

 

Irrespective of this Endeavour accepted me for the loan, the loan is with them (or was) and they took the payments (and a contract was signed with them)...does S56 apply?

 

Many thanks

 

/

 

start a new thread

 

see below

 

dx

please don't hit Quote...just type we know what we said earlier..

DCA's view debtors as suckers, marks and mugs

NO DCA has ANY legal powers whatsoever on ANY debt no matter what it's Type

and they

are NOT and can NEVER  be BAILIFFS. even if a debt has been to court..

If everyone stopped blindly paying DCA's Tomorrow, their industry would collapse overnight... 

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