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    • Essex trading standards department have now given me a reference and are investigating this man/companies.
    • Good question. Rayner's CGT pales into insignificance really, doesn't it? 
    • Hi everyone,  out of the blue my husband yesterday received a call from the employee who lost the key the first time and asked to settle the bill plus court costs. Apparently the boss said that if he didn't pay he would be sacked. My husband asked for this in writing,  got it and payment followed. So we discontinued the claim and marked as settled. Apparently the employee who lost the keys the second time is paying for the other carpenter's bill plus court fees because he'd started court proceedings as well. So, all is solved. Thanks everyone!
    • With thanks. Updated 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. 1. Paragraph 1 is noted. I have in the past had financial dealings with Halifax PLC part of the Lloyds Group of Companies but do not recognise the specific account number referred to by Claimant and on which its claim relies. To enable clarification a sec78 request pursuant to the CCA1974 was made dated 11 May 2024. The Claimant provided various documents which appear to be incomplete with page numbers missing and incomplete Terms and Conditions. If this is a copy of the original agreement it appears to be unexecuted by the original creditor. 2. Paragraph 2 is noted. I do not recall receipt of a Default Notice which the Claimant refers to within its Particulars of Claim and on which its claim relies. A CPR 31.14 request was made dated 11 May 2024. To date the Claimant has not provided a copy. 3. Paragraph 3 is noted. Although I had not recalled a copy of the Notice of Assignment pursuant to the Law and Property Act 1925 Section 136(1) I requested a further copy from the claimant which has since been provided in response to the CPR 31.14 request dated 11 May 2024. 4. Paragraph 4 is noted. It is denied 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 entered into an agreement. (b) Show the nature of the breach and evidence by way of a Default Notice Pursuant to s.87(1) of the Consumer Credit Act 1974. 5. As per Civil Procedure 16.5 it is expected that the Claimant prove the allegation that the money is owed. 6. By reason of the facts and matters set out above, it is denied that the Claimant is entitled to the relief claimed, or any relief.
    • "Testing the stability" ? I suspect the Tesla Map would have picked up that the car was being driven in a car park and the default safety settings required a shut down. Reassuring that Tesla have public safety built in, to try to stop drivers driving in a way that may be risky.
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      OT APPROVED, 365MC637, FAROOQ, EVRi, 12.07.23 (BRENT) - J v4.pdf
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SwiftSterling - what next please?


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Ok. Over the past couple of weeks i`ve been taking out loans with this "company" upto the max £410 that they offered me in the first place.

My last £110 loan was last Tuesday which had to be paid on the Thursday but still with an interest charge of £30.

So in total i had £410 to pay last Thursday (taken over 2 weeks) resulting in interest of around £130 or thereabouts.

I defaulted on Thursday and received approx 20 phonecalls and messages throughout the day.

I emailed the company and said i had spoken to the authorities and was considering the phonecalls and amount of them as harassment and would take action if they didn`t stop and would only communicate through letter / email.

I looked at my account and they have added 4 seperate £59 fees for the loan although i just thought i was topping up the one loan.

I`m just getting the standard `we will only talk by phone` when i email them - i have said i believe this goes against OFT regulations and haven`t heard anything since Saturday. Any help what to do next please?

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Ignore the fees. Theyre not legally enforceable and they know it. They rely on you not knowign your rights so you dont question these charges. Also keep communicating in writing. Even if they refuse to reply. If you or they take it to court for any reason, you will have plenty of proof of what they are doing.

 

In regards of what to do next, wait for them to make the next move. Don't step foot in front of them as they could take advantage of it.

Any advice i give is my own and is based solely on personal experience. If in any doubt about a situation , please contact a certified legal representative or debt counsellor..

 

 

If my advice helps you, click the star icon at the bottom of my post and feel free to say thanks

:D

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Send it twice a week. Make sure you make a token payment just in case it goes to court. The token payment should be £1 a week/month and under law, shows your willingness to repay the debt, and you arent just sending them wild emails/letters as a stalling tactic.

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Any advice i give is my own and is based solely on personal experience. If in any doubt about a situation , please contact a certified legal representative or debt counsellor..

 

 

If my advice helps you, click the star icon at the bottom of my post and feel free to say thanks

:D

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Try by standing order or prepaid credit card. You could also tell them you want to set up a Direct debit, but you will need them to send you a form. Then you can simply take their bank details from the form, rip the form up and create a standing order yourself :)

Any advice i give is my own and is based solely on personal experience. If in any doubt about a situation , please contact a certified legal representative or debt counsellor..

 

 

If my advice helps you, click the star icon at the bottom of my post and feel free to say thanks

:D

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