Jump to content

You can now change your notification sounds by going to this link https://www.consumeractiongroup.co.uk/index.php?/&app=soundboard&module=soundboard&controller=managesounds

 

You can find a library of free notification sounds in several places on the Internet. Here's one which has a very large selection https://notificationsounds.com/notification-sounds

 

 

BankFodder BankFodder

 

BankFodder BankFodder


  • Tweets

  • Posts

    • Apologies, misunderstanding on my part. I was thinking of a shop called Cotswold. Please ignore me.   HB
    • 1st Draft - reviewed several statements    I was a bit unsure about adding more about the section 78, although they took a very long time the did provide the CCA - any help appreciated    In The *******County Court Claim No. ********* Between **********Claimant and *************** Defendant     I am the defendant in this case and make this Witness statement in support of my defence in this claim. The matters set out below are within my own knowledge, except where I indicate to the contrary.   1. It is my understanding that the claimant is an Assignee, a buyer of defunct disputed or bad debts, which are bought on mass portfolios at a much reduced cost to the amount claimed ...10p to 15p in the £1 and which the original creditors have already written off as a capital loss and claimed against taxable income. Idem Capital securities issue claims to circumvent and claim the full amount of debt to maximise profit.    2. As an assignee or creditor as defined in section 189 of the CCA this applies to this new requirement on assignment of rights. This means that when an assignee purchase’s debts (or otherwise acquires rights under a credit agreement) it also acquires certain obligations to the borrower including the duty to comply with CCA requirements (such as the rules on statements and notices and other post-contractual information). The assignee becomes the creditor under the agreement. This ensures that essential consumer protections under the CCA cannot be circumvented by assigning the debt to a third party.   3. It is accepted that I have in the past had financial dealings with HBOS. That being a Credit card Agreement.   4. After seeking advice this led me to check all paperwork I held with creditors, from this I could not find any Credit Agreement relating to the account the claimant is referring to.   6. I therefore sought clarification and requested copies of the agreements from the claimant by way of a section 78 request for the alleged amount.    7. A Letter before claim pursuant to Pre Action Protocol was issued by the claimant 06/09/2019. I made a request for the following documents:   ·         A copy of the Default Notice ·         A copy of the Notice of assignment ·         A complete set of statements detailing exactly how the debt has accrued detailing ·         All transactions ·        Any additional charges applied since the account was terminated ·         A statement  of all payments received.   The claimant to date has failed to comply completely with my request and has not provided me with the required Default Notice.      8 .On the 13/11/19 the claimant issued a claim form through the county court business centre. On receipt of the claim form I made a CPR 31.14 request.    9. A CPR 31.14 request was sent 25/11/2019 via Royal Mail signed for and shows as received 27/11/19. A Request for the following documents was made:   ·            Default Notice ·            Full statement of account     The claimant to date has failed to comply and disclose the default notice.   Conclusion   To date no Default Notice has been produced.    The claimant has still yet to comply with my CPR 31.14 request with regard to clarity of any valid default notice issued, as yet I have never received an original or seen a copy of a valid default notice from the claimant.   Arbitration confirmed that the claimant could not produce the Default notice document    Therefore for the above reasons the claim bought by the claimant is without merit and an abuse of the court process. It would be far more gracious and forthright for the claimant to admit that they do not have possession of the correct valid paperwork and this is an attempt to convince the court that the claimant can disclose the legal valid documents on which its claim relies on.   Until such time the claimant can comply and disclose a Default Notice they are not entitled while the default continues, to enforce the agreement pursuant to section 87 (1) of the Credit Consumer Act 1974.    I **********, the defendant, believe that the facts stated in the witness statement are true.     Signed…………………………. Dated……………………………
    • time for an sar first make sure you read all the posts in the sar link too.   dx  
    • its a car park at the side of a lake   simplest thing to do is ignore them until or unless you get a letter of claim.   then comeback here.   i will gather you didn't buy a ticket at all?   dx  
    • Hi HoneyBee13,   Thank you for your time - The nearest cornerstop is about a mile away in South Cerney village.   Kal
  • Our picks

    • Currys Refuse Refund F/Freezer 5day old. Read more at https://www.consumeractiongroup.co.uk/topic/422656-currys-refuse-refund-ffreezer-5day-old/
      • 5 replies
    • Hi,  
      I was in Sainsbury’s today and did scan and shop.
      I arrived in after a busy day at work and immediately got distracted by the clothes.
       
      I put a few things in my trolley and then did a shop.
      I paid and was about to get into my car when the security guard stopped me and asked me to come back in.
       
      I did and they took me upstairs.
      I was mortified and said I forgot to scan the clothes and a conditioner, 5 items.
      I know its unacceptable but I was distracted and Initially hadn’t really planned to use scan and shop.
       
      No excuse.
      I offered to pay for the goods but the manager said it was too late.
      He looked at the CCTV and because I didn’t try to scan the items he was phoning the police.
       
      The cost of the items was about £40.
      I was crying at this point and told them I was a nurse, just coming from work and I could get struck off.
       
      They rang the police anyway and they came and issued me with a community resolution notice, which goes off my record in a year.
      I feel terrible. I have to declare this to my employer and NMC.
       
      They kept me in a room on my own with 4 staff and have banned me from all stores.
      The police said if I didn’t do the community order I would go to court and they would refer me to the PPS.
       
      I’m so stressed,
      can u appeal this or should I just accept it?
       
      Thanks for reading 
      • 7 replies
    • The courier industry – some basic points for customers. Read more at https://www.consumeractiongroup.co.uk/topic/421913-the-courier-industry-%E2%80%93-some-basic-points-for-customers/
      • 1 reply
    • The controversial sub-prime lender says the City watchdog is investigating its practices.
      View the full article
      • 0 replies
style="text-align:center;"> Please note that this topic has not had any new posts for the last 2728 days.

If you are trying to post a different story then you should start your own new thread. Posting on this thread is likely to mean that you won't get the help and advice that you need.

If you are trying to post information which is relevant to the story in this thread then please flag it up to the site team and they will allow you to post.

Thank you

Recommended Posts

If a marketing ploy I can see it working - if the truth, it is downright scary !!


Have we helped you ...?         Please Donate button to the Consumer Action Group

 

Uploading documents to CAG ** Instructions **

 

Looking for a draft letter? Use the CAG Library

Dealing with Customer Service Departments? - read the CAG Guide first

 

1: Making a PPI claim ? - Q & A's and spreadsheets for single premium policy - HERE

2: Take back control of your finances - Debt Diaries

3: Feel Bullied by Creditors or Debt Collectors? Read Here

4: Staying Calm About Debt  Read Here

5: Forum rules - These have been updated - Please Read

 

 

BCOBS

 

2: Does your Bank play fair - You can force your Bank to play Fair with you

3: Banking Conduct of Business Regulations - The Hidden Rules

4: BCOBS and Unfair Treatment - Common Examples of Banks Behaving Badly

5: Fair Treatment for Credit Card Holders and Borrowers - COBS

 

Advice & opinions given by citizenb are personal, are not endorsed by Consumer Action Group or Bank Action Group, and are offered informally, without prejudice & without liability. Your decisions and actions are your own, and should you be in any doubt, you are advised to seek the opinion of a qualified professional.

 

PLEASE DO NOT ASK ME TO GIVE ADVICE BY PM - IF YOU PROVIDE A LINK TO YOUR THREAD THEN I WILL BE HAPPY TO OFFER ADVICE THERE:D

Share this post


Link to post
Share on other sites

It is a bit of both. Money week is an excellent money magazine which has always gone against the tide. They have been right on many accounts and I absolutely agree that either this year or beginning of the next one Britain will find itself with a massive financial problem.

 

They were among the very few that advised against investing in the property bubble back in 2006. I wish I had known them back them and invested in gold when I still made money. Pity!

 

But there's no point spending money and subscribing to added value newsletter when you can read most of their articles online for free like I do.

 

Ther owner is American super rich Bill Bonner and he has his blog called "The Daily Reckoning" which is also free.


"Ask not what your country can do for you, ask what you can do for Poundland"

Share this post


Link to post
Share on other sites
It is a bit of both. Money week is an excellent money magazine which has always gone against the tide. They have been right on many accounts and I absolutely agree that either this year or beginning of the next one Britain will find itself with a massive financial problem.

 

They were among the very few that advised against investing in the property bubble back in 2006. I wish I had known them back them and invested in gold when I still made money. Pity!

 

But there's no point spending money and subscribing to added value newsletter when you can read most of their articles online for free like I do.

 

Ther owner is American super rich Bill Bonner and he has his blog called "The Daily Reckoning" which is also free.

 

 

With more and more people out of work especially over the past 2 months sort of goes along with what they are saying as the government has to pay benefits to these people. If income is less than outgoings UK plc will go down the same route as Comet, HMV and many others. The government needs to stimulate the economy and the only way it can do it, is to reduce taxation. For example if tax was dropped on fuel by a considerable amount, people would have the extra in their pocket to spend. This may in turn lead to more consumer buying and generating the tax lost on fuel plus a there may be increased fuel sales anyway. With consumer buying again, it will create more jobs.

The other option is to do away with the minimum wage in order for us to compete with overseas competitors, but that may have other knock on effects however government is not paying benefits. A delicate balancing act where no government will be successful!

Share this post


Link to post
Share on other sites

Surfer01, it's more complicated than that. The Bank of England has been printing money like mad for the last 5 years, and this paper money is backed by nothing. We have almost no gold (Gordon Brown sold most of it in 1999) and this is not a country of natural resources (yes a bit of oil north of Scotland, but it's almost over).

 

The UK has the second worst private debt to GDP ratio in Europe (the worst is Ireland). All of this has been possible due to zero interest rates and AAA credit rating. Give it 3-6 months and we'll lose the triple AAA. Anything can happen afterwards. Moneyweek (and not only them) has been saying this since before the credit crisis.


"Ask not what your country can do for you, ask what you can do for Poundland"

Share this post


Link to post
Share on other sites

No wonder there's more personal survival programmes on TV now!:madgrin: Bear Grylls comes to mind!

 

I knew my Adventurers badge would come in handy one day:-D

Edited by determindator

Share this post


Link to post
Share on other sites

Its party true but largely scaremongering.

 

The UK wont fix its crisis by blaming the victims of the crisis, nor can it fix the economy by narrowing it while hpping it will expand.

 

I am out the UK/EU now. Money made in the UK is paid to a management company elsewhere in the EU - so the profit is now there. The tax is slightly higher, but I am more comfortable my tax now funds a true socialist system rather than a shower of clueless *******.

Share this post


Link to post
Share on other sites

 

Saw that. Some of the smaller prizes are going up, but the bigger prizes are being cut!

Share this post


Link to post
Share on other sites

  • Recently Browsing   0 Caggers

    No registered users viewing this page.


  • Have we helped you ...?


×
×
  • Create New...