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    • Thanks for replying DX.   Yes, It was over the 50% No, I didn't use your VT letter   The only thing I'm worried about, is the impact on my credit file, which until Link intervened was excellent.   What is the 'seby summary line'?  
    • Did you not receive a notice of sale before the auction, stating time and place of sale and your amount outstanding? Schedule 12 40(1)Before the sale, the enforcement agent must give notice of the date, time and place of the sale to the debtor and any co-owner. (2)Regulations must state— (a)the minimum period of notice; (b)the form of the notice; (c)what it must contain (besides the date, time and place of sale); (d)how it must be given.
    • Summary disposal /Judgment now without even submitting a defence....... they never intended submitting a defence with or without an agreed extension.   Evidence: applicants must identify the point of law or document to be relied on and state the grounds for making the application in accordance with CPR 24.2.   An application for summary judgment is usually only made once the defence or acknowledgement of service has been filed. Summary judgment applications are suitable in cases where the party making the application considers that the case is a clear cut matter of fact or law, in which oral evidence is not required. It is also used when the applicant considers that the other party has insufficient evidence to prove its case. There are considerable potential savings in terms of time and costs.   An application notice must be completed, then filed and served along with the supporting evidence - usually a witness statement together with copies of any supporting documents. The supporting evidence will set out the reasons why the applicant considers summary judgment to be appropriate.   The respondent also has an opportunity to rely on written evidence, which must be served in good time for the hearing.  
    • It goes on and on.   Did the bars staying open even hold water? This is in the article you linked to. My bolding. The regulations announced by Boris Johnson last Thursday state that “workplace canteens may remain open where there is no practical alternative for staff at that workplace to obtain food”.
    • Attached is their N244 to request a strike out and costs. They had also included the T&C's from several other banks to show that £12 fees are the norm in banking, I extracted them to reduce the file size.   Because one of the newer cards was defaulted, they argue they never got enriched and so no  restitution is due. Possibly for some of the latter charges, however there are many I paid. Even so the old card is where the bulk of the restitution lies, it was never defaulted.   They are dismissive of Benson Kleinworth and cite Cavendish Square Holding BV v El Makdessi; ParkingEye Ltd v Beavis [2015]  to dismiss the fees as not being penalties.     redacted n244 strike out.pdf
  • Our picks

    • Ahmed Alwaheeb's firms sold cars riddled with faults – and which sometimes had government recall notices. https://www.consumeractiongroup.co.uk/topic/427369-ahmed-alwaheebs-firms-sold-cars-riddled-with-faults-%E2%80%93-and-which-sometimes-had-government-recall-notices/&do=findComment&comment=5071860
      • 3 replies
    • @curryspcworld @TeamKnowhowUK - Samsung 75 8K TV - completely broken by Currys. https://www.consumeractiongroup.co.uk/topic/426151-samsung-75-8k-tv-completely-broken-by-currys/&do=findComment&comment=5069075
      • 8 replies
    • @skinnyfoodco Skinny Foods. https://www.consumeractiongroup.co.uk/topic/426130-skinny-foods/&do=findComment&comment=5068996
      • 8 replies
    • I’m in desperate need of help
      I bought some clothes online in may through Evans and paid through PayPal
      returned them all seven days later
      I waited the 14days for my refund and no refund came
      I put in a dispute through PayPal but I didn’t get any emails to escalate the case - PayPal closed it. 
      evans said they couldn’t refund the money because PayPal have cancelled the refund because of the open dispute
      I contacted PayPal
      they said the dispute had been closed but Evans at no point had attempted a refund.
      fast forward to today
      I’ve got copies of numerous messages sent to and from twitter messages as it’s the only way I can contact them
      I’ve also contacted their customer service too
      all I get is PayPal have cancelled refund because dispute is still open.
      I have proved that the dispute is closed
      I have got an email saying that if Evans sent the refund they would accept it
      but up until the date I got the email they have not once attempted a refund .
       I have sent them a letter before court email
      I have even offered to have the full refund as a gift card just to get this sorted !
      I’m literally at the end of my tether and don’t know where to turn next !
      i suffer with mental health issues and this is affecting my health and I’d saved the money for a year to buy these clothes as I’m on a low income .

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recieved a bus lane penalty charge notice.

stating i recieved a letter last month but i did not recieve one.

do i have any chance of appealling and winning.

the fine was origionally £60 now it says because i did not pay within 14 days i need to pay £90

i did not recieve origional first charge notice.

what should i do ?

pay or fight for my rights.?


advice please .

i have uploaded the letter recieved..



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scan the required letters/agreements/sheets - as a picture[jpg] file

don't forget you can use a mobile phone or a digital camera too!!



ENSURE: remove all pers info inc. barcodes etc using paint program

but leave all figures and dates. {DO NOT USE A BIRO OR PEN]

convert existing PC files to PDF [office has an installable print to PDF option]


goto one of the many free online pdf converter websites [http://docupub.com/pdfconvert/]

it would be better to upload a multipage pdf if

you have many images too rather than many single pdfs


or if you have PDF as an installed printer drive use that

or use word and save as pdf

try and logically name your file so people know what it is.

i'e Default notice dd-mm-yyyy


open a new msg box here

hit go advanced below the msg box

hit manage attachments below that box

hit the add files button on the top right

hit select files, navigate to your file on your pc

hit upload files



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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