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    • here you go: go file this on MCOL now: (not the red bit)   1. By an agreement between Clydesdale Bank plc & the defendant on or around 13/9:2016 (‘the agreement’) Clydesdale Bank plc agreed to issue the defendant with a credit card.   The defendant failed to make the minimum payments due.     2.The agreement was terminated following the service of a default notice.   3.The agreement was assigned to the claimant.     The Claimant therefore claims   1.4200.   2.costs     Defence   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.   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.   1. Paragraph 1 is noted. I have in the past had financial dealings with Clydesdale Bank plc . I do not recall the precise details or agreement and have sought verification from the claimant and the claimants solicitor by way of a CPR 31.14 and section 78 request who are yet to comply.   2.Paragraph 3 is denied I am unaware of any legal assignment or Notice of Assignment allegedly served last year from either the Claimant or (Original Creditor).   3. Paragraph 2 is denied I have not been served with a Default Notice pursuant to the consumer credit Act 1974 by the original creditor not the claimant.   4.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:   (a) show how the Defendant has entered into an agreement; and  (b) show and evidence any cause of action and service of a Default Notice  (c) 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;   5. 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    6. As per Civil Procedure Rule 16.5(4), it is expected that the Claimant prove the allegation that the money is owed.   7. 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.   8. By reasons of the facts and matters set out above, it is denied that the Claimant is entitled to the relief claimed or any relief.    
    • Compared with Merseyside and Robert Jenrick's consituency, GM aren't getting much, are they?
    • aha  i thought it might just be whats called a summary debt, i had a few of these over the years.   in this instance B&S are simply operating as totally powerless debt collectors you are safe to ignore them.    
    • Well this is an excellent disclosure. It makes it clear that they have no idea of the timeframe. They talk about misuse – which is clear that it must've been misused and of course importantly they make it clear that the failure of the clutch plate would have been sudden. Well that's to be expected but also it suggests that there was no reason for you to suspect anything until he actually went. I suppose that it's a bit like dying. You can have an illness for weeks but the very moment of death is going to be sudden. One second you're alive – the next second you're dead. I think the information you have here doesn't prove anything for them at all and of course it would be for them to prove their case – not for you to disprove it. Very interesting that they're not able to get the clutch condition report. It's amazing that it wasn't uploaded and that they sent the sole copy to this person "Chris Ward". I wonder who that person is. Anyway, even more, I think that there is no particular reason to worry even if they pick it up again and start to chase you – which I suppose is fairly likely
    • Last I heard was that the actual moonsh*t trial couldn't even manage the initial 250 tests a day stage in any competent way, and has now quietly become Final £500M Fantasy v2.73.496:   https://www.independent.co.uk/news/uk/politics/coronavirus-swab-tests-nhs-universities-schools-care-homes-b1156304.html   https://www.theguardian.com/world/2020/oct/13/operation-moonshot-doubts-over-uk-covid-saliva-tests-plan-after-trial-scaled-back       Oh and it would seem that Manchester is kicking off because they have effectively been offered 8 quid a head to lock down, with some aspirations from Johsnon 'The Liar' to think about maybe adding some business support funds later ... to serco probably https://www.thelondoneconomic.com/politics/greater-manchester-offered-just-8-per-head-to-deal-with-new-coronavirus-controls/20/10/
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      • 3 replies
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Wedding Photographer has gone AWOL


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Hi

 

This is my first post on the forum, and hoping you guys can help.

 

In 2007 I got married to my lovely wife, and we had all the usual wedding photos taken (600 I believe).

 

At the time we did not have a lot of money so just had an album off the photographer. He said if we wanted the wedding disc it would cost another £300.

 

We thought we'd save up for it, or have the money to buy it some time later.

 

Anyway the photographer went out of business, but we managed to get his mobile number if we needed to get in touch. At the time he said he would not be changing the number.

 

Some time later we now have the funds to buy the wedding disc, but the photographer has disappeared, and the phone number no longer works.

 

We have tried to track him down, asked other photographers, used online people searches, etc but no luck.

 

Does anyone have any ideas how we could find him? I believe we should have some rights but not sure what we can try?

 

Any help is much appreciated.

 

Jason

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Hello and welcome to CAG.

 

I think the guys on the General Consumer Issues forum should be able to help you, so I'll move your thread there. There will be a short term redirect from this forum for you.

 

My best, HB

Illegitimi non carborundum

 

 

 

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He may no longer be trading or may not even be around now I can only think that you could try ringing people with the same name in the local area to see if he is related but thats a long shot. TBH 5 years after the event and no longer trading he may well have disposed of all his old photos anyway.

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Thanks. I have tried called a few other people with the same name already.

 

Findermonkey sounds like an idea, even though I do begrudge paying £100 for it, however, I can maybe get it knocked off the price of the wedding disc if they find him

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Perhaps try searching the electoral roll to see if you can get an address and write a letter? See http://www.whitepages.co.uk/electoral-roll-search-and-electoral-register-voters.html

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If they find him he may not still have the wedding disc especially if he isnt trading anymore so be prepared to say goodbye to your 100.00, also I cant see even if he has still got ot that he would knock 100.00 off the cost of the disc, I would have thought that if he has changed his number he dosnt really want to be contacted by his ex customers. Why not wait for your 10th anninversary and get some special photos done then rather than chase after this guy. As another thought though you could ask the local paper if they could run a story saying you are trying to track him down they might go for it.

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Hi

 

I would have to air caution as assisted blonde has mentioned as they are no longer trading and have not traded for some years you may end up wasting £100 doing a search to find them only to be let down as they may not have your photos stored any longer.

 

This is just my opinion but is entirely up to you what course your take.

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