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    • Hi, If they haven't followed the court's directions there will be little tolerance of the court. Anyway please can you upload a copy of the court paperwork
    • Yes, you should have applied for an immediate strike out as soon as the deadline expired. Without the agreement, they are stuffed Forget Barclaycard, Asset link is now the creditor, and it is down to them to provide the agreement.  That needs to go into the witness statement. They have not provided the agreement contrary to directions of the court and request the court strike out the claim as to the original court directions.
    • I did not receive a notice via post but in my claim status it shows my claim was transferred to a court I requested in my DQ, as it is closer to me.    Defense I filed:  1.       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. 2.       The defendant paid the lead tenant a fixed sum monthly bill without fail for the extent of the rental period of the accommodation their contract was associated with who was responsible to make payments to the claimant, ending in June 2023. 3.       After moving out, a month later, the claimant wrote to state that an outstanding sum existed. Further stating, as one of the 10 tenants at the time, I now owed them the full sum instead of my 1/10 proportion of said debt, as 10 students were at the dwelling. They also intimated that they were legally allowed to charge me the full sum if the other renters were not to pay their share under some equal and joint severity rule. 4.       Despite sending numerous requests prior to the court claim being raised for copies of said bills for said utilities covered by the agreement, the claimant failed to send any clear bills. This included a CPR 31.14 on xx/xx/xxxx sent via post. 5.       The defendants stress that they acted in good faith to settle the outstanding balance, as evidenced by the confirmation received from the claimant.  Any subsequent demands for additional payments are unwarranted and contradict the claimant's previous acknowledgment of settlement. 6.       Pursuant to OFGEM code of back billing rules the alleged charges relate to charges which have not been billed correctly by Co-operative Energy and are therefore prevented from charging. With the court’s permission the Claimant is put to strict proof to: - a) show and disclose how the Defendant has entered into an agreement. b) show and disclose how the Claimant has reached the amount claimed. c) show how the Claimant has the legal right, either under statute or equity to issue a claim. 7.As per Civil Procedure Rule 16.5 (4) it is expected that the Claimant prove the allegation                  that the money is owed. 8.It is therefore denied that the defendant is indebted to the claimant as alleged or at all.
    • Paint is a free programme on any Windows PC. But don't worry, the choice here is not either perfection or nothing. As you say, use your scanner, save the file ... and then use the "choose files" option when you post to CAG to add the file. We can do all the redacting and converting to the correct file type at this end.  The important thing is just to get the info to us. Why not do an experiment this afternoon and see if the above works?  
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      The judge's reasoning is very useful and will certainly be helpful in any other cases relating to third-party rights where the customer has contracted with the courier company by using a broker.
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      OT APPROVED, 365MC637, FAROOQ, EVRi, 12.07.23 (BRENT) - J v4.pdf
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Hi

Needs Help Please...

Got a very old Beneficial Bank Debt from 1994 in which i have been paying £1 on.

I recently sent them a letter fo a SAR which they have rang me to tell me that they are unable to provide and i should continue to pay a £1 as they can deem it as an unsatisfactory request and £1 isn't going to break the bank and because i have been paying it i have acknowledged the debt.

 

What should i do next please....

 

Thanks in advance.

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They can't refuse an SAR, as they have to comply with the Data Protection Act. Did they return your £10 fee for the SAR ?

 

Suggest a complaint to the Compliance Manager/Director of BB, advising them that they need to fulfill the SAR or face a complaint to the ICO. Send them a copy of the letter that someone from BB has sent to you, as I expect the Compliance Manager will not be happy.

 

Has there ever been a period of 6 years (5 in Scotland) where you did not make any repayments ? Is there any CCJ requiring the £1 payments ?

We could do with some help from you.

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Send them a CCA request, It costs £1. IF they cant provide a full copy of the original, quit paying and tell them goodbye as the debt is unenforceable. You are currently being cashcowed.

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..

 

 

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Yes.

 

They have failed to fulfil the CCA request and as such, the debt is now unenforcable( as it probably already has been for YEARS) until they provide a full copy of the original agreement.

 

As i said, you are being cashcowed.

 

Send them this: http://www.consumeractiongroup.co.uk/forum/content.php?436-Failiure-to-provide-a-copy-of-the-agreement-within-the-prescribed-timescale

 

 

Edit: Can i ask if you sent the £1 postal order with the CCA request?

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

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I put it in my previous post. However, i need to ask, did you send the £1 postal order or cheque with the CCA request, as if you didnt, then it isnt a lawful request and they dont have to comply with it until they recieve the payment.

 

If you did follow the request correctly, then send that letter in my previous post and STOP PAYING.

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

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No i didnt! but i did get a letter of confirmation that they were going to the original lender to try and retrieve it so they have actioned on my request.

should i do it again and enclose a postal order for a £!

 

Thanks

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Yes. Put it through correctly, so this time they cant wriggle out of it. Theyve pretty much confirmed they dont have the agreement, but you need to make it official. Get teh request in with the payment, wait the 14 days then send the letter if they dont send 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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Also, since it is a pre-2007 agreement, the CCA must comply with specific requirements. Lets see what comes back, if anything.

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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Under which the debt becomes uncollectable or unenforceable until such timw the cca request is fulfilled.

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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I must agree with lostatsea here>

 

A couple of points to clarify please, does Beneficial still own this account?

 

What was the amount owed?

 

Does the debt appear on your credit files?

 

This CCA request when was it made?

 

Please note that the time scale for compliance is 12+2 WORKING DAYS NOT 14 days!!!

Any Letters I Draft are N0T approved by CAG and no personal liability is accepted.

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It wasnt an actual cca request as the payment wasnt made with it. It looks like the lender took it as a request then realised that there wasnt a payment with 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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