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    • Do I send the solicitor a CPR 31.14 form  Or just a letter saying the limited company does not exist so no one to sue
    • are we getting there now .thks DEFENCE  The Defendant contends that the particulars of claim are vague and 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. the claimant replied to a request made under a pre action protocol   letter of claim  and a Consumer Credit Agreement request , pursuant to s.77 of the Consumer Credit Act 1974 )request made   on 19/11/2018 the reply contained  incomplete reconstitutions and with  with documents missing from the list in my request a cpr 31.14 request was made to the claiments solicitor on  02/06/2019 which the claiments solicitor has refused stating cpr  31 does not aplly even though no track has yet been allocated  1- The Claimant claims £657.10  is owed under a regulated loan agreement with  money in advance r. I did not recall the precise details  and have sought verification from the claimant and the claimants solicitor by way of a Section 77 and CPR 31.14 request who are yet to fully comply. 2-the  Claimants statement regarding the assignation of the debt is denied. I am unaware of any legal assignment or Notice of Assignment allegedly served on the defendant from either the Claimant or  money in advance  3 The claimant has produced  a reconstituted version of  the original agreement , it is considered that this is not a true copy of the executed agreement as it is the claiment has yet to  produced a copy of any legal assignment of this debt 4 It is therefore  not accepted with regards to the Defendant owing any monies to the Claimant and the Claimant is put to strict proof to: a) Show how the Defendant has reached the amount claimed for  b) Show the nature of the breach and evidence by way of a Default Notice pursuant to sec 87.1 CCA 1974. c) Show how the Claimant has the legal right, either under statute or equity to issue a claim.  d as  per Civil Procedureicon 16.5 it is expected that the Claimants prove the allegation that the money is owed.
    • There's a difference in buying a car privately or at auction, and buying one from a retail seller, regardless of the price. buying from a dealer you have certain statutory rights as a consumer, and you pay a premium for the supposed benefit of buying from reputable source.    An engine management light could be a minor problem, the issue here though is that the seller delivered the car with the light on, then dumped it and made a quick exit, that gives a fair idea of his attitude to customer service. If the engine management light came on while the car was in the process of being delivered, any reasonable seller would have told the buyer the light had come on and taken the car straight back to sort it, not done a runner and hoped the customer wouldn't notice.
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    • My personal experiences of Future Comms 
      Don't touch them owe me £500 since January 2019 make excuse after excuse. Seem they always have software problems sending money out. Keep saying they will call back or email nothing been chasing it now for 6 mths the phone staff always have the same banter we will chase it up and get back to you then nothing!
      • 0 replies
    • Future Comms is a Big Con. How to get out of it. Read more at https://www.consumeractiongroup.co.uk/topic/417058-future-comms-is-a-big-con-how-to-get-out-of-it/
        • Like
      • 4 replies
    • Future Comms issues. Read more at https://www.consumeractiongroup.co.uk/topic/416504-future-comms-issues/
      • 5 replies
    • This is a bit of a lengthy one but I’ll summerise best as possible.
      I was contacted by future comms by phone, they stated that they could beat any phone contract I have , (I am a limited company but just myself that needs a business phone and I am the only worker) 
      I told future comms my deal, £110 per month with a phone and a virtual landline, they confirmed that they could beat that, £90 per month with a phone , virtual landline  they also confirmed they would pay Vodafone (previous provider) the termination fee. As I am in business, naturally I was open to making a deal. So we proceeded. 
      Future comms then revealed that the contract would be with PLAN.COM and the airtime would be provided by 02, I instantly told them that this would break the deal as I have poor 02 signal in the house where I live as my partner is on 02 and constantly complaining about bad signal
      the salesman assured me he would send a signal booster box out with the phone so I would have perfect signal.
      so far so good.....
      i then explained this is the only mobile phone I use for business and pleasure, so therefore I didn’t want any disconnection time in the slightest between the switchover from Vodafone to 02
      the salesman then confirmed that the existing phone would only be disconnected once the new phone was switched on.
      so far so good....
      • 14 replies

History and background of CPP.

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Based in York,CPP also has offices in Tamworth and Chesterfield.Founded in 1980,the company made aquisitions of

Its Homecare Insurance and Mobile phone insurance businesses in 2001.

Further aquisitions were Metris Enhancement Services in 2003 and Leapfrog Group in 2009.

CPP provides protection against loss, theft and fraudulent use of financial cards, identity theft protection, phone protection insurance and travel assistance products,and has associations with banks,credit card issuers,and other Financial service providers.

In February CPP's value was reported at £180m.




In March 2011,The FSA announced an investigation into the business practices of CPP,specifically centering around its sales of one of its products to UK customers. The Financial Services Authority's investigation looked into allegations that CPP overstated the risk of identity theft when selling insurance for that purpose. CPP suspended the sale of the product with immediate effect with the intent of creating a new package, possibly without insurance.


CPP later launched an uninsured product called "Identity Safe" which will replace their existing product "Identity Protection"


In February 2012,CPP announced that its shares had been suspended on the LSE to allow for negotiations with the FSA to take place.


Employees at CPP as well as local MPs wrote to the FSA in support of CPP,and express concerns about implications for jobs.

Here is an extract from employees letter which was signed by 11 people.

"We, as the ECF, now think it is imperative that you visit us to meet the employees, and get a clearer understanding of the decisions you are proposing, and the detrimental effect that these decisions will have on our customers and employees,"


(EFC -Employee Forum Communication)


The FSA declined to comment on the CPP letter, and reiterated its earlier position concerning its concerns over CPP's business practices.




On the 25th February 2012,an agreement was reached which CPP said it would be contacting customers who may have been miss sold policies but warned that redress was likely to cost the company between £10-15m.


CAG highlighted the FSA investigation,and also reported on Barclaycards decision not to renew its contract,which CPP appears to believe was an adverse consequence of the FSA investigation.


It is unclear as to why CPP has gripes about the investigation,coming so soon after miss selling has been discovered as to have been widespread,throughout the Financial Services sector.


The CAG will be monitoring those who feel they do have legitimate claims for a refund,and also would ask members to report any success or progress when seeking redress.


CPP was offered on most of the big credit card issuers.

Have a happy and prosperous 2013 by avoiiding Payday loans. If you are sent a private message directing you for advice or support with your issues to another website,this is your choice.Before you decide,consider the users here who have already offered help and support.

Advice offered by Martin3030 is not supported by any legal training or qualification.Members are advised to use the services of fully insured legal professionals when needed.



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