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    • Same as Barclays one I have just updated on. PRA group have written back and told me they intend to proceed with claim, have also sent another stack of documents, similar to last time round. I did fill in an online income breakdown etc on their website  offering to pay them x amount of money back each month,  a couple of weeks back, they haven't acknowledged that ?  
    • Hello, I wasn't able to update the defence, so they got the daft one.  Pra Group have responded dated 25th April saying they intend to proceed with claim. I have also received a stack of documents, similar to last time - print outs of old statements, but this time around they have send me a copy of the Barclay Card Conditions. Unsigned and dated. The address is an old address.  A consumer credit agreement with current address. Pages of it and no signature. I have uploaded onto a PDF what I have. The CCA agreement looks like a generic print out, I5 pages + long, I've included the 1st page that had my details on (redacted) don't know if its necessary to upload all of it.  Barclays 26042024.pdf
    • I suggested consideration of bankruptcy some years ago. It was not well received.
    • That is a superb WS. However, I have a few tweaks to suggest. In (2) "indicating" not "indication". I think to be consistent with your numbering, in (6) the Beavis case should be EXHIBIT 2. Do you really need to include over 100 pages of Beavis?  I think that would be likely to annoy the judge.  Just try and find the bit where they decide it was not a penalty due to having an interest in limiting the time that vehicles can stay. I'll have a look myself for this bit later as it's highly likely to be in WSs from PPCs who think that that paragraph means all their charges are valid always on every occasion. After your current (7) add this.  It's always useful to refer to a judgment when making a legal point - 8.  In the case PCM vs Bull, Claim No. B4GF26K6, where the Defendant was issued parking tickets for parking on private roads with signage stating “No parking at any time”, District Judge Glen in his final statement mentioned that: “the notice was prohibitive and didn’t communicate any offer of parking and that landowners may have claim in trespass, but that was not under consideration”.   In (14) if my maths are right the CPR request should be "EXHIBIT 3".  it is missing from your list of exhibits. In (16) the two figures should be £100 and £170.  They are entitled to increase fro,m £60 to £100, they are not entitled to increase to £170.  To make it clear for the judge I would write - 16. The Claimant has artificially inflated their claim for a £100 invoice to £170. This is simply a poor attempt to circumvent the legal costs cap at small claims. 17. The Claimant has also invented a second fictitious charge, for legal representative's costs, when they have no legal representative. You also need ot number your exhibits. The rest is excellent - well done.
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Repossession questioned by deeds not being signed


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LOL

 

You must be reading a different version of the LRA to me, the one I have says that sub mortgages are not allowed on a charge(23)2. This is the lenders charge(owned by the lender), he can however make a charge on this(a sub charge)mot a mortgage, understand ?

 

This does not prevent the borrower section 23(1) creating a charge bay way of mortgage, this is a different section , a different requirement and a different party to the transaction, other than that you are , well wrong. :)

 

No we are reading the same thing - difference is - you are happy to accept that the Lender owns the 'charge' because he is registered as the Proprietor of it.

 

We say 'how come'? - we say if he is the 'proprietor of the charge' - then that is a 'legal sub-mortgage' and is not within the statutory power of the Borrower to grant.

 

Subtle difference you may say - but we say "different, different not lawful" - when you say - "different - same means its ok" ; )

 

Apple

[COLOR="red"][B][CENTER]"Errors do not cease to be errors simply because they’re ratified into law.” [/CENTER][/B][/COLOR][B][CENTER] E.A. Bucchianeri[/CENTER][/B]

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Have I really just seen that? From saying the judges agreed and now we are back to it being asserted? Something tells me someone is making this up.

 

Is this post directed at Dodge? (he posted the statement) - don't tell me you are taking issue with Dodge?

 

I don't think he is making it up at all - he is simply stating that he agrees with the Judges in the case posted up by Ben - that's all - he's entitled to his opinion you know ; )

 

Apple

[COLOR="red"][B][CENTER]"Errors do not cease to be errors simply because they’re ratified into law.” [/CENTER][/B][/COLOR][B][CENTER] E.A. Bucchianeri[/CENTER][/B]

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Is this post directed at Dodge? (he posted the statement) - don't tell me you are taking issue with Dodge?

 

I don't think he is making it up at all - he is simply stating that he agrees with the Judges in the case posted up by Ben - that's all - he's entitled to his opinion you know ; )

 

Apple

 

No Apple it is aimed at the liar in the room and that would happen to be you.

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Hey all,

 

good stuff today,,,,

 

Well as some of you know,I am in a nice cosy place this past few days(not),,,,,,,I have before me my entire court file,including the deeds,,,so,

 

I will attempt to scan them to email and try to post it up and hopefully get some wisdom and advice from all the nice folk on here.

 

So if anyone is good at scanning and posting,please feel free to give me a few instructions,,,,

 

Thanks all in advance.

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No Apple it is aimed at the liar in the room and that would happen to be you.

 

Then you are misguided Crapstone - the statement you refer to was not one posted by me - it was Dodge's therefore you are calling Dodge a 'liar'........that's not very nice of you....Dodge has actually been supporting you as well.....

 

 

I knew it would not be long before you started casting aspersions again - pity it backfired - I'm sorry - but now I have to just laugh at you - LOL ; )

 

Apple

[COLOR="red"][B][CENTER]"Errors do not cease to be errors simply because they’re ratified into law.” [/CENTER][/B][/COLOR][B][CENTER] E.A. Bucchianeri[/CENTER][/B]

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Rightio peeps,

 

I know we all have polarising opinions on this, but let's try and keep it friendly. I love a bit of banter as much as the next person but let's keep it chipper, eh?

 

Thanks for the timely reminder - I'm sure I almost crushed a grape at being called a 'liar' ; )

 

Apple

[COLOR="red"][B][CENTER]"Errors do not cease to be errors simply because they’re ratified into law.” [/CENTER][/B][/COLOR][B][CENTER] E.A. Bucchianeri[/CENTER][/B]

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Hey all,

 

good stuff today,,,,

 

Well as some of you know,I am in a nice cosy place this past few days(not),,,,,,,I have before me my entire court file,including the deeds,,,so,

 

I will attempt to scan them to email and try to post it up and hopefully get some wisdom and advice from all the nice folk on here.

 

So if anyone is good at scanning and posting,please feel free to give me a few instructions,,,,

 

Thanks all in advance.

 

Site Team should be able to assist you with that MollyP. ; )

 

Be mindful to ensure your personal details are not visible when you post up personal documents ok?

 

Apple

[COLOR="red"][B][CENTER]"Errors do not cease to be errors simply because they’re ratified into law.” [/CENTER][/B][/COLOR][B][CENTER] E.A. Bucchianeri[/CENTER][/B]

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Well I must say. That was a very interesting phone call. So much for the ground breaking legislation changing cases. Anything you want to add Apple?

 

Apologies Crapstone - I was not privvy to your 'interesting phone call'?

 

What do you want me to add - if I do not know what the call was about??

 

Apple

[COLOR="red"][B][CENTER]"Errors do not cease to be errors simply because they’re ratified into law.” [/CENTER][/B][/COLOR][B][CENTER] E.A. Bucchianeri[/CENTER][/B]

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I should stop by there then as I'm just heading out to Bournville now. :-)

 

Bye!

 

Wave if you are up The Pershore Rd

 

Erdington most certainly ain't posh but Bournville is quite pretty

Any opinion I give is from personal experience .

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Hello site team

 

HELP!

!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!

 

is there an email address I can send a document to,for posting up,,,,please

 

 

Use the following method by dx100uk to post up documents

 

set your default scan page size to A4 less than 300DPI [150 will do]

scan the required letters/agreements/sheets - as a picture[jpg] file

don't forget you can use a mobile phone or a digital camera too!!

'

BUT......

ENSURE: remove all pers info inc. barcodes etc

but leave all monetary figures and dates.

.

************************* ************************* *******

{DO NOT USE A BIRO OR PEN OR USE SEE THRU TAPE OR LABELS]

************************* ************************* ***********

.

DO IT IN MSPAINT.EXE or any photo editing program

goto one of the many free online pdf converter websites ...

http://freejpgtopdf.com/

..

if you have multiple scans/pics

put them in a word doc FIRST and convert that to PDF

or http://www.freepdfconvert.com/

or

use http://www.pdfmerge.com

 

convert existing PC files to PDF [office has an installable print to PDF option]

..

it would be better to upload a multipage pdf if

you have many images too rather than many single pdfs

.

or if you have PDF as an installed printer drive use that

or use word and save as pdf

try and logically name your file so people know what it is.

though dont use full bank names or CAGicon in the title

i'e Default notice DDicon-mm-yyyy TSB

.

open a new msg box here

hit go advanced below the msg box

hit manage attachments below that box

hit the add files button on the top right

hit select files, navigate to your file on your pc

hit upload files

...

YOU DONT have to put a link to the attachment in the msg box..just upload it ..job done

 

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I can not decide if Apple has a particularly dry sense of humour or not.

 

In any event when this all comes out in the wash I imagine that some people will not be seen for dust although I do not expect anyone to admit that they were wrong, it will of course be the decision that is flawed

Any opinion I give is from personal experience .

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Hi MollyP,

 

Your attachment has been unapproved as it discloses identifying personal data which you should hide.

 

I suggest you start a separate thread to discuss your own case. You can put a link to it here so those who wish to comment on your thread can do so.

 

:-)

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