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    • Compared to all the ones I read, I really felt like there was less I could include in this one. Nervous that they have so much paperwork.
    • and the cameras!!   as for M&F don't give the game away upon why.... just say you have a possible impending legal matter that you need to investigate but need to know who signed up CEL to manage the car park and do they have M&F legal permission for this contract to be entered into upon M&F's behalf. and if it goes well see if the contract with CEL has been paid for THIS FINANCIAL YEAR by whomever.  I seriously doubt they will know anything about it at all.    
    • How does this look?     1. Paragraph 1 is accepted. I have, in the past, entered into a contract with Shop Direct, however I do not recall the exact details, nor do I recall any outstanding balance. I have requested the claimant verify the exact details of this claim by way of a CPR 31.14. 2. Paragraph 2 is noted, again I do not recall any breach and I have never received a Default Notice. 3. Paragraph 3 is denied. I do not recall having received a Notice of Assignment, as stated by the Claimant. They have sent an alleged copy dated 5th Oct 2016 from my cpr31.14 request. this is the first time I have seen this letter. 4. On receipt of this claim form, I the Defendant sent a request by way of a section 78 pursuant to the Consumer Credit Act 1974, for a copy of the agreement, the Claimant has yet to comply and remains in default of the said request. Therefore, the Claimant is to provide strict proof to: (a) show how the Defendant has entered into a Agreement/ Contract; and (b) show how the Defendant has reached the amount claimed for; and © show and evidence the nature of the breach and service of the Default Notice, (d) show how the Claimant has the legal right, either under statute or equity to issue a claim; 5. The Claimant has stated that he has made several requests for repayment, yet I do not acknowledge any debt to the Claimant. 6. As per Civil Procedure Rule 16.5(4), it is required that the Claimant prove the allegation that the money is owed. 7. 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. 8. Subject to the above, should the alleged amount claimed include an early termination charge(s) amounting to the total balance of the remaining contract, OFCOM guidance clearly states that any Early Termination Charge, that is made up of the entire balance of the remaining contract, is unlikely to be fair, as it fails to take into account the fact that the provider no longer has to provide and pay for their service. 9. 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.
    • Hi Everyone,   I'm in desperate need for some help. I was stopped by a ticket inspector on the bus who took my 16+ oyster card yesterday. This card has my name on it and I've been using it for the past year. I gave them my details and they kept asking me if I knew the name of who gave me the oyster, which I didn't at the time.    Can someone please inform me of the worst case scenario? I'm more than happy to pay the fines but I can't afford a criminal record as I've just accepted a job at the NHS and this will impact the DBS checks they're currently doing on me now.    I'm prepared to be completely honest about this situation. I genuinely could not afford to pay the full travel price which is why I applied for this fake oyster via a friend that I was referred to. I'm genuinely completely sorry for this offence and I'm scared of what is to come in terms of court summons, which I expect.    Your help would be appreciated. I'm yet to receive the letter as this incident only happened yesterday.    Thank you. 
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Hi can anyone tell me whether I am able to buy another property whilst my main residential property is shared equity. I am looking at going as a joint applicant to help my mum buy her council house, she is unable to due to her income being insufficient. Thanks

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