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    • Millions of bicycles were sold this year, with fears there won't be enough for the festive period. View the full article
    • Thanks DX, I'm happy that there are no valid reasons for them not to send us documents via royal mail - they were after all perfectly capable of sending these two letters.   The 12+2 days end on 7 December so I will ensure the DD's are cancelled for these and the Hoist one that is also being paid monthly on that very date. 
    • Sorry to hear the news Dave.   As for sums on top of the £100, maybe the judge ruled against the £60 Unicorn Food Tax but allowed £25 claimform fee + £25 legal costs.  Just a guess.
    • Hi guys!   Update:   Been forwarding all the text messages to 7726   These were the text messages:   28 October: We have been instructed to proceed formally on this claim in 7 days in respect of the balance due to Photo Studio Group unless discharged or an arrangement made. This will result in a formal Letter Before Claim and Court Proceedings.   29 October: It's not too late to stop legal action. Settle the £1182.89 due to Photo Studio Group.    30 October: The £1182.89 due to Photo Studio Group is overdue we are now instructed to proceed with a formal Letter Before Claim.   We are now considering whether to issue Court proceedings to recover £1182.89 owed to Photo Studio Group.    2 November: We are now preparing to send a Letter Before Claim. Call 01422746202 to resolve this matter.    6 November: We have now have issued a Letter Before Claim which you should receive in the next few days. Pay the balance due to Photo Studio Group now.  It's not too late to stop legal action. Settle the £1182.89 due to Photo Studio Group online now.    8 November: Click the link to address the £1182.89 due to Photo Studio Group to avoid legal action 12 November: A County Court Claim will impact your ability to obtain credit for up to 6 years. Pay online to stop action.  13 November: We are concerned you have not responded to the Letter Before Claim regarding the balance due to Photo Studio Group?   15 November:  Call AJJB Law regarding the letter you have received from us in order to stop Court Action on 01422746202.    21 November: IMMEDIATE ACTION REQUIRED. Pay £1182.89 due to Photo Studio Group online to stop Court action.  23 November:  We haven't received a response to the Letter Before Claim issued by us. It's imperative you act now to avoid Court Proceedings.  We will be conducting a Pre Court Action Review this week. Pay £1182.89 online today or set up a plan to stop.    26 November: IMMEDIATE ACTION REQUIRED. Pay the balance of £1182.89 online today to prevent further legal action.  29 November: We will be conducting a Pre Court Action Review this week. Contact us today on 01422746202.  2 December: You haven't replied to the Letter Before Claim from us. Costs and fees will be added if we issue a County Court Claim.    Emails:   10 Nov:   Dear -----, LETTER BEFORE CLAIM AJJB Reference: .... Our Client: Photo Studio Group Balance: £1182.89 You will now have received a Letter Before Claim issued by us regarding the balance due to our client. It is important that you do not ignore this letter and read the contents carefully. If you have a query relating to your balance then please contact us to discuss urgently. If you wish to make payment to settle the balance you can do so through our website www.payajjb.co.uk or by calling us on 01422746202. Alternatively an income and expenditure statement is enclosed in the letter, if you are unable to repay the balance in full, payment arrangements will be considered based on your circumstances. Payment arrangements can also be submitted via our website. Please respond urgently to avoid Court action. Yours Sincerely, AJJB Law   19 Nov: Dear ----, RESPONSE REQUIRED AJJB Reference: ..... Our Client: Photo Studio Group Balance: £1182.89 Our records show that you have not responded to the Letter Before Claim issued by us, or our previous attempts to contact you. We hope to resolve this matter without the need to issue a County Court Claim but we only have a limited time to do this. In order to come to a suitable way forward to address the balance please contact us today using one of the following methods: - Email - reply to this message - Online using our secure customer portal - www.payajjb.co.uk - Telephone - 01422746202 Hopefully we can agree a way forward without the need for further action. Yours Sincerely, AJJB Law   27 Nov:   IMPLICATIONS OF A COUNTY COURT JUDGMENT (CCJ) AJJB Reference: ..... Our Client: Photo Studio Group Balance: £1182.89 We are now in a position to issue a County Court Claim to recover the balance due to Photo Studio Group as we have not received a satisfactory response to the Letter Before Claim. This could result in a CCJ being registered against you As previously mentioned, we wish to resolve this matter without the need for legal action, however, we are unable to do so if you do not address the balance due. A CCJ will have an adverse impact on your credit file and will be registered for 6 years. It will affect any future lending decisions including applications for loans, mortgages, tenancy agreements and the purchase of goods on credit (for example a mobile phone contract). You can stop further action now by contacting us to discuss your circumstances or by making payment: - Email - reply to this message - Online using our secure customer portal - www.payajjb.co.uk - Telephone - 01422746202 Please do not ignore this email. Yours Sincerely, AJJB Law I also received two letters to the address I currently live in:   1.  A letter before claim    2. Implications of a county court judgment   Please let me know if I should proceed in any way.   Thank you all for your time!        
    • for whatever reason they fail the 12+2 working day time limit you may cease payments.   as for their stupid excuse to gander email details you do NOT.   they know full well there are ZERO Gov't guidelines regarding mail , .
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S75 Claim - Mastercard & PayPal - Case Law Help Please?‏


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Btw, the above request goes for anyone else who has an interest in this and plans to use the case law at some point.

 

If you know how to check just how authoritative cases are, please do so and share your findings for all our benefit.

 

Thanks

The matrix is intrinsically flawed. Within it is the program for it's own destruction. If you are reading this, you are in the matrix and it's days are numbered...so watch out! :eek:

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Phew! I thought you meant it already had!

Ok, will do my best but I'm not the best with Bailii.org and the others so if you can have a look too please? :wink:

 

Just on my way out will take a look later.

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Will soon find out...letters in the post...:-)

The matrix is intrinsically flawed. Within it is the program for it's own destruction. If you are reading this, you are in the matrix and it's days are numbered...so watch out! :eek:

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Will soon find out...letters in the post...:-)

Good Luck.

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

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According to the legal databases the case linked above is still good law and has not been superseded. It was appealed up to the House of Lords (now the Supreme Court) on a different aspect namely whether s75 applies to foreign transactions, but the appeal was unsuccessful.

 

I imagine you will get push-back from your bank since (I believe?) the FOS at one point said paypal transactions weren't covered but we will have to wait and see.

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I imagine you will get push-back from your bank since (I believe?) the FOS at one point said paypal transactions weren't covered but we will have to wait and see.

Thanks for checking Steampowered.

 

Said 'pushback' arrived from lender yesterday so it looks like this'll have to go all the way as FOS aren't my cuppa tea.

The matrix is intrinsically flawed. Within it is the program for it's own destruction. If you are reading this, you are in the matrix and it's days are numbered...so watch out! :eek:

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I have to say,

I think this latest refusal by them is a strategy they are following. They've not commented at all on the case law OR the fact that there was a breach by the original supplier.

 

I suspect this is just to see how far I'll take it before they cough up - but we'll see.

The matrix is intrinsically flawed. Within it is the program for it's own destruction. If you are reading this, you are in the matrix and it's days are numbered...so watch out! :eek:

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  • 9 months later...

bustthematrix, how did you get on with this and what was the outcome? I am about to go through the same process myself with my CC company.

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bustthematrix, how did you get on with this and what was the outcome? I am about to go through the same process myself with my CC company.

 

Adding a post to a thread, does not always trigger an email from CAG to the person who started to the thread. So they may never reply, unless they visit CAG regularly. The last visited CAG a few weeks ago. I will PM them, to let them know which may prompt them.

 

It would probably be wise for you to post your own new thread, so that people can advise you on this, as each case will be different anyway.

We could do with some help from you.

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...yeah, since I'm subscribed, how come I didn't get an update when they posted the query?

The matrix is intrinsically flawed. Within it is the program for it's own destruction. If you are reading this, you are in the matrix and it's days are numbered...so watch out! :eek:

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...yeah, since I'm subscribed, how come I didn't get an update when they posted the query?

 

Depends on how your CAG profile is set up.

 

If you go to user CP at the top of the screen. Then under my settings, you will see general settings. You will see there is a default thread subscription mode with a drop box, from which you can select how you subscribe. You can select instantly using email and then I presume you will get an email everytime there is a new post to a thread you have contributed towards or started.

We could do with some help from you.

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...yeah, since I'm subscribed, how come I didn't get an update when they posted the query?

 

If you can add any more info to the thread that might help busthematrix, that would be great.

We could do with some help from you.

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As mentioneds some do use Paypal to perfdorm the transaction.

 

I often buy bits from http://www.superstar.tibolts.co.uk.

 

When you come to pay it says..

 

Payment Method

 

This is currently the only payment method available to use on this order.

Credit/Debit Card (via PayPal - No paypal account needed)

 

 

So you dont need a paypal account and you dont login to paypal.

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