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    • I've inserted their poc re:your.. 1 ..they did send 2 paploc's  3. neither the agreement nor default is mentioned in their 2.        
    • Hi Guys, i read a fair few threads and saw a lot of similar templates being used. i liked this one below and although i could elaborate on certain things (they ignored my CCA and sent 2 PAPs etc etc) , am i right in that at this stage keep it short? If thats the case i cant see what i need to add/change about this one   1)   the defendant entered into a consumer credit act 1974 regulated agreements vanquis under account reference xxxxxxx 2)   The defendant failed to maintain the required payment, arrears began to accrue 3)   The agreement was later assigned to the claimant on 29 September 2017 and notice given to the defendant 4)   Despite repeated requests for payment, the sum of 2247.91 remains due outstanding And the claimant claims a)The said sum of £2247.91 b)The interest pursuant to S 69 county courts act 1984 at the rate of 8% per annum from the date of issue, accruing at a daily rate of £xxxx, but limited to one year,  being £xxxx c)Costs   Defence:   The Defendant contends that the particulars of claim vague and 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.   1. The Claimant has not complied with paragraph 3 of the PAPDC ( Pre Action Protocol) Failed to serve a letter of claim pre claim pursuant to PAPDC changes of the 1st October 2017.It is respectfully requested that the court take this into consideration pursuant to 7.1 PAPDC.   2. The Claimant claims £2247.91 is owed under a regulated consumer credit account under reference xxxxxxx. I do not recall the precise details or agreement and have sought verification from the claimant and the claimants solicitor by way of a CPR 31.14 and section 78 request who are yet to fully comply.   3. Paragraph 2 is denied. I am unable to recall the precise details of the alleged agreement or any default notice served in breach of any defaulted payments. 4. Paragraph 3 is denied.The Defendant contends that no notice of assignment pursuant to s.136 of the Law of Property Act & s.82 A of the CCA1974 has ever been served by the Claimant as alleged or at all.   5. It is therefore denied with regards to the Defendant owing any monies to the Claimant, the Claimant has failed to provide any evidence of assignment/balance/breach requested by CPR 31. 14, therefore the Claimant is put to strict proof to:   (a) show how the Defendant has entered into an agreement; and (b) show and evidence any cause of action and service of a Default Notice or termination notice; and © show how the Defendant 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;   6. After receiving this claim I requested by way of a CPR 31.14 request and a section 78 request for copies of any documents referred to within the Claimants' particulars to establish what the claim is for. To date they have failed to comply to my CPR 31.14 request and also my section 78 request and remain in default with regards to this request.   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.  
    • i understand. Just be aware I am prepared to take some risks 😉
    • Thanks Tnook,   Bear with us while we discuss this behind the scenes - we want you to win just as much as you do but we want to find the right balance between maximising your claim without risking too much in court fees, and in possible court costs awarded to the defendant bank.
    • Tell your son and think on this. He can pay the £160  and have no further worries from them. If he read POFA  Scedule 4 he would find out that if he went to Court and lost which is unlikely on two counts at least [1] they don't do Court and 2] they know they would lose in Court] the most he would be liable to pay them is £100 or whatever the amount on the sign says. He is not liable for the admin charges as that only applies to the driver-perhaps.If he kept his nerve, he would find out that he does not owe them a penny and that applies to the driver as well. But we do need to see the signage at the entrance to the car park and around the car park as well as any T&Cs on the payment meter if there is one. He alone has to work out whether it is worth taking a few photographs to help avoid paying a single penny to these crooks as well as receiving letters threatening him with Court , bailiffs  etc trying to scare him into paying money he does not owe. They know they cannot take him to Court. They know he does not owe them a penny. But they are hoping he does not know so he pays them. If he does decide to pay, tell him to wait as eventually as a last throw of the dice they play Mister Nice Guy and offer a reduction. Great. Whatever he pays them it will be far more than he owes as their original PCN is worthless. Read other threads where our members have been ticketed for not having a permit. [We know so little about the situation that we do not know if he has a permit and forgot to display it. ]
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Madamfluff

co-op funeral service overcharged?

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My Mum died in May and my Dad used the co-op for the funeral, I went with my dad to sort out everything and we were told the cheapest was £2,200, which we accepted.

 

My Dad is a pensioner and had to get a grant of £1,200 from the authorities, he has no money so my sisters and myself paid the extra 1,000 which we paid up front, and My dad then paid the 1,200 when his grant came through, my dad has no way of repaying my Sisters and me and as it was for my Mum we have written off the money.

 

HOWEVER.

 

Yesterday my dad and one of my Sisters saw an expose on Co-op funeral service and it was mentioned that infact the cheapest funeral is £1,200 the same as the grant but employees were told not to offer it as the co-op didnt make any profit.

 

With this in mind I am wondering if the co-op have infact mis-sold the funeral and would we be within our rights to try and get the 1,000 extra back we paid.

 

The funeral itself was lovely but the cost only included one car and restricted times which we understand

from the programme was the same as the £1,200 one.

 

Mods please move this to another area if this is the wrong one

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I am sorry to hear of your loss, its always pretty difficult to attempt to say something fitting when things like that happen.

 

If you are a member of the Co-op (which costs nothing to join) you can access their own legal services for information free, and you might find this could help sort things out faster and internally without having to let you deal with something that will still be massively emotionally charged for you.

 

In the past the Co-op had a extremely ethical approach to their funeral service, and even provided funerals entirely free when a child passed away. I always thought highly of them for this reason, and I would hate to think the circumstances you state applied across the entire company rather than being the actions of a manager with poor moral judgement.

 

http://www.co-operative.coop/legalservices/

 

0845 602 1416

 

Lines open 8am – 8pm Mon to Fri, 9am – 1pm Sat

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you must of seen the programme on the TV the other night! brought home the criminal way businesses are run by many these days, the big boys get away with it. This time let us see if anything happens which does noit end up as self regulation (Rubbish).


:mad2::-x:jaw::sad:

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Just how much does a funeral cost - without hypped up charges, anybody know?


:mad2::-x:jaw::sad:

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Hi Madamfluff

I have just been charged £4,534.00 for my Dads simple funeral. When given the quote, I asked how much cheaper it would be with 1 car instead of 2? They told me it would make no difference at all.

Since the funeral, I have phoned other funeral directors to be told I have paid at least £1,000 over the odds. I am extremely angry that people are being ripped off by these so called sympathetic funeral directors.:mad2:

My thoughts are with you

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Contact your MP try to get an enquiry going???


:mad2::-x:jaw::sad:

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