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    • Now some at this stage might think I'm leading to doggerland as the site of Atlantis   https://www.winterwatch.net/2019/01/did-the-inspiration-for-atlantis-flood-and-ark-legends-stem-from-paleo-doggerland/           but for a number of reasons, I'm not ... although I think it is a part of the larger story,   Its a little late. I believe the final inundation of doggerland is part of the later Biblical flood and related myths. (Black Sea, Arabian Gulf, West coast of India etc) ... but worthy of mention is that it could effectively make up one of three 'larger' islands as detailed in the legends far better than the Azores does. ... and mammoths/elephants crossed that bridge - although carefully check the dates of those mammoth/elephant migration evidence. They seem to end 11000bp.           http://www.bbc.co.uk/earth/story/20150722-lost-beasts-of-the-ice-age   http://www.canada.com/technology/Massive+Canadian+melt+have+triggered+flood+biblical+proportions/3954124/story.html   https://en.wikipedia.org/wiki/Outburst_flood   http://www.talkorigins.org/faqs/flood-myths.html#Sproul    
    • Hi.   Someone reported that your pg1 still had the reg number showing, so I've removed it and left pg2.   HB
    • Yes because you have not entered into an agreement with the claimant...nor do they state you ever did.   2.The loan was funded by Ferratum Uk Ltd.
    • Hi DX   Thank you for that.   No house move    Doh ... I know what a PAP LOC is now (apologies for being slow !)   I have had a tinker and found another defence example which I have taken account of.    How does the following now look ?  (bit lengthy apologies in advance !) **********************************                                                                           Particulars Of Claim 1.The claimant claims this amount in respect of an unpaid loan, regulated by the Consumer Credit Act 1974. The loan was funded by Ferratum UK Ltd.   2.The Defendant has failed to make payments in accordance with the terms of the credit agreement. The credit agreement was assigned to the Claimant upon which a Notice of Assignment was sent to the Defendant.    3.The Defendant has either failed to respond to the Claimant or has failed to maintain regular payments.   4.The Claimant has issued a Letter of Claim, providing the Defendant with a further opportunity to arrange repayment of the outstanding balance to no avail.    5.The Claimant claims interest under section 69 of the County Courts Act 1984 at the rate of 8% a year from 11/02/2019 to 23/07/2019 on  £417.00 and also interest at the same rate up to the date of judgement or earlier payment at a daily rate of £0.09."    " Defence    1.            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.   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.           Paragraph 2 is denied. I am unaware of what alleged debt the claimant refers to having failed to adequately particularise its claim.  And it is denied the claimant has served any Notice of Assignment pursuant to the Law & Property Act 1925    3    Paragraph 3 of the particulars is not admitted with regards to the Defendant entering into an Agreement referred to in the Particulars of Claim for an amount of £431.81. It is denied the defendant failed to abide by the terms of contract.   4.       Paragraph 4 is noted although I have no record of ever receiving a Default Notice or Notice of intention to serve a Default Notice in this matter.    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:   6. On receipt of this claim I requested by way of a CPR 31.14 request and a section 77/78 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 section 77/78 request and remain in default and with regards to my CPR 31.14 request.   (a) show how the Defendant has entered into an agreement ; and (b) show and evidence the nature and service of a default notice pursuant to sec87.1CCA1974 © 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;   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   ******************** end of defence ************
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hi there

i would like your help and advice please

my sister in law was stoped in a debenhams store by the security of the store and the police was called.

she had her baby with her so the police let go her with a fine of £80

i was surprised about this cos she is not a bad person never had any problem she is more of a housewife as she has 3 kids and my brother to look after cos he is ill.,

anyway she did pay the fine but she's been so down since than and scared

if debenhams will send any more bills she doesn't want her husband to find out??

my question is what will hapen?

she also was benned from debenhams they said forever but in a ban leter they gave her it only says 12 months??

and will they put any picture of hers on the walls of the store??

baring in mind she had never any ppicture taken only cctv i think was in opertaion ??

kind regards

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Nothing will happen. The police have already dealt with it. Debenhams wont issue any other bills. They have no reason to.

 

As for debenhams, i would stay away from the store for a good while. There are plenty of other shops around. Eventually she can go back there, but if you go back too soon, she may get arrested again for trespassing.

 

As for pictures on walls, they dont do that. The cctv image is held on the shops computers and 99.9% of the time, the guards are reliant on their own memory.

 

You may be surprised about it all, but remember, for the police to issue a fine, then they had good reason to do so.

 

 

I think the best thing to do is to put it all behind her and move on with her life. Should anything come in the post, then post back.


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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Thank u for yr reply i will let u know as for the shop i dont think my sister in law would want to go back she hardly been out of her house since than

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Just to be clear from this point can the store send her to court or no!?

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Anyone could issue a claim against another person. However, for a claim to succeed they would need a solid basis. They dont have one.


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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They would have to show that they incurred a loss or expenditure that they wouldn't normally have made

Clearly there was none in this case there are none ...

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Yep. Ignore 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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Thats what i told her but her only worry is if debenhams will or can take her to court??

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They could, but i guarantee they wont. Mainly because they have no basis for a claim. As far as debenhams AND the police are concerned, the matter has been dealt with.


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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Hello there

Update;

As for these case X changed address (moved) has just been to check for any old post and found two letters from rlp basically asking for the outstanding amount and letting know that ignoring these letters will make things worse and maybe theyr client may take actions and go to court as they gave rlp her details.

Any advice?

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Ignore them. Notice the use of IF, May etc.

 

 

Just ignore them and theyll go away. There is absolutely NOTHING these idiots can do to you. Google RLP's oxford case. It makes for some good reading.


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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Hi renegade,

Don't want to be alarmist but I work in several High Street stores and supermarkets and some, not all, do have pictures on the walls identifying people who have been banned. Also ones of repeat know shoplifters.

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Have to agree with that - I have seen this in stores too - photos, names, dates and details of what was stolen.

 

Still doesn't make any claim legitimate though.


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Have to agree with that - I have seen this in stores too - photos, names, dates and details of what was stolen.

 

Still doesn't make any claim legitimate though.

 

 

 

Wow?? really?? in which stores may I ask??

 

Im pretty sure this is a breach of data protection and can cause a major disruption in any law.... I would look into that much further, as all people arrested have there pics on the police data, and after careful consideration and legit reasons issued to stores that work within a citybeat (kinda like neighbour hood watch) but not to be shown to anyone outside of the work force that hasnt signed a data protection act form....... This is serious, please let me know which stores do this, I will personally take legal action against them....

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It's not available to anybody outside of the security office.


Any advice given is done so on the assumption that recipients will also take professional advice where appropriate.

 

PLEASE HELP US TO KEEP THIS SITE RUNNING

EVERY POUND DONATED WILL HELP US TO KEEP HELPING OTHERS

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If I have been helpful in any way - please feel free to click on the STAR to the left!

 

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