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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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    • We have finally managed to obtain the transcript of this case.

      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.
      This is generally speaking the problem with using PackLink who are domiciled in Spain and very conveniently out of reach of the British justice system.

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      OT APPROVED, 365MC637, FAROOQ, EVRi, 12.07.23 (BRENT) - J v4.pdf
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BW Legal notice - Stat Demand received - 2 Credit accounts merged ** SET a SIDE + COSTS **


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I'm just getting my head round everything ready for court tomorrow. Nervous is an understatement!

 

I have had nothing from the other side (expect Notice of Acting), and I've also phoned court and they said that there was nothing on file from them either. If they were to turn up tomorrow, can they refer to any paperwork they bring?

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If they turn up with new documents you can always ask for an adjournment so that you can consider them. If the documents are very basic or small the judge may consider that you can just read them on the day but if it's anything more, or anything that requires you to think about your response, you should be able to get an adjournment.

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as advised by mjt, they cant simply turn up at the court with a bundle of documents that you have neither seen nor had time to review. You should ask the court/judge for an adjournment.

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BCOBS

1: How can BCOBS protect you from your Banks unfair treatment

2: Does your Bank play fair - You can force your Bank to play Fair with you

3: Banking Conduct of Business Regulations - The Hidden Rules

4: BCOBS and Unfair Treatment - Common Examples of Banks Behaving Badly

5: Fair Treatment for Credit Card Holders and Borrowers - COBS

Advice & opinions given by citizenb are personal, are not endorsed by Consumer Action Group or Bank Action Group, and are offered informally, without prejudice & without liability. Your decisions and actions are your own, and should you be in any doubt, you are advised to seek the opinion of a qualified professional.

PLEASE DO NOT ASK ME TO GIVE ADVICE BY PM - IF YOU PROVIDE A LINK TO YOUR THREAD THEN I WILL BE HAPPY TO OFFER ADVICE THERE:D

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Ma'am I think :)

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Uploading documents to CAG ** Instructions **

Looking for a draft letter? Use the CAG Library

Dealing with Customer Service Departments? - read the CAG Guide first

1: Making a PPI claim ? - Q & A's and spreadsheets for single premium policy - HERE

2: Take back control of your finances - Debt Diaries

3: Feel Bullied by Creditors or Debt Collectors? Read Here

4: Staying Calm About Debt  Read Here

5: Forum rules - These have been updated - Please Read

BCOBS

1: How can BCOBS protect you from your Banks unfair treatment

2: Does your Bank play fair - You can force your Bank to play Fair with you

3: Banking Conduct of Business Regulations - The Hidden Rules

4: BCOBS and Unfair Treatment - Common Examples of Banks Behaving Badly

5: Fair Treatment for Credit Card Holders and Borrowers - COBS

Advice & opinions given by citizenb are personal, are not endorsed by Consumer Action Group or Bank Action Group, and are offered informally, without prejudice & without liability. Your decisions and actions are your own, and should you be in any doubt, you are advised to seek the opinion of a qualified professional.

PLEASE DO NOT ASK ME TO GIVE ADVICE BY PM - IF YOU PROVIDE A LINK TO YOUR THREAD THEN I WILL BE HAPPY TO OFFER ADVICE THERE:D

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can i still quote this:-

It is not an appropriate debt to base a statutory demand upon as it requires a form of accounting. Statutory demands are the basis upon which a bankruptcy petition is presented. The bankruptcy petition (and in turn a stat demand) can only be based on what are called liquidated debts i.e. debts which are fixed, as it were which do not require a form of accounting. A credit card debt would need a form of accounting to calculate it and so is an inappropriate debt to base a demand upon.

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can i still quote this:-

It is not an appropriate debt to base a statutory demand upon as it requires a form of accounting. Statutory demands are the basis upon which a bankruptcy petition is presented. The bankruptcy petition (and in turn a stat demand) can only be based on what are called liquidated debts i.e. debts which are fixed, as it were which do not require a form of accounting. A credit card debt would need a form of accounting to calculate it and so is an inappropriate debt to base a demand upon.

 

 

 

Yes, and, further, argue that a statutory demand ought to be the last port of call for any creditor and most certainly not his first port of call.

 

 

going to re-read your case now and see if I can add any further or other help for you.

 

 

Kind regards

 

 

The Mould

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Stick to your guns,

 

no valid statutory default notice has been served by the creditor pursuant to s.87(1) CCA 1974 (as amended) and

the creditor has also failed to comply with his obligations under s.77 & 78 of the CCA 1974 ( as amended)

in respect of my statutory rights to be supplied with a copy of the regulated credit agreement upon which he relies upon

as regards this action he has commenced with against me,

 

in this regard,

 

I respectfully say to this Court that, according to statute, while the creditor is in default of his statutory obligations under the CCA 1974 (as amended),

he is not entitled to enforce the regulated agreement upon which he relies.

 

 

In the light of the foregoing, I respectfully request that this Court do set aside or dismiss the creditor's action in its entirety and award me my costs of Defending the same.

 

 

Kind regards

 

 

The Mould

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Thank you, ps what do you mean by (as amended) ?

 

 

 

The CCA 1974 was amended in 2006 and those amendments came into force in 2007, none of the amendments will affect any of the material I have posted for your here earlier today.

Good luck with your hearing and, remember, just be yourself and state the facts of your case.

Kind regards

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I sincerely wish you the very best of good luck and I do hope that a judge who is well versed on consumer law and the CCA 1974 sits your case.

 

 

Please post up the result of your hearing when you return home from the Court.

 

 

Kind regards

 

 

The Mould

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:whoo:, excellent..

 

 

All that time wasted, worrying !! Well done.

 

 

Perhaps you could give us a more detailed account of your trip when you have calmed down :)

Have we helped you ...?         Please Donate button to the Consumer Action Group

Uploading documents to CAG ** Instructions **

Looking for a draft letter? Use the CAG Library

Dealing with Customer Service Departments? - read the CAG Guide first

1: Making a PPI claim ? - Q & A's and spreadsheets for single premium policy - HERE

2: Take back control of your finances - Debt Diaries

3: Feel Bullied by Creditors or Debt Collectors? Read Here

4: Staying Calm About Debt  Read Here

5: Forum rules - These have been updated - Please Read

BCOBS

1: How can BCOBS protect you from your Banks unfair treatment

2: Does your Bank play fair - You can force your Bank to play Fair with you

3: Banking Conduct of Business Regulations - The Hidden Rules

4: BCOBS and Unfair Treatment - Common Examples of Banks Behaving Badly

5: Fair Treatment for Credit Card Holders and Borrowers - COBS

Advice & opinions given by citizenb are personal, are not endorsed by Consumer Action Group or Bank Action Group, and are offered informally, without prejudice & without liability. Your decisions and actions are your own, and should you be in any doubt, you are advised to seek the opinion of a qualified professional.

PLEASE DO NOT ASK ME TO GIVE ADVICE BY PM - IF YOU PROVIDE A LINK TO YOUR THREAD THEN I WILL BE HAPPY TO OFFER ADVICE THERE:D

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Yes it would be useful to have more info.

 

I do wonder what BW Legal and Lowells are doing.

 

They are issuing the SD's without having the required documentation on their files.

 

When challenged, they then sometimes appear to give up when the court hearing for the set aside comes along.

 

Only if they get a Judge who favours creditors do they appear to gain the decison or an adjournment.

 

Perhaps the Judges around the country are getting fed up with dealing with so many of these and the tide is turning against Lowells.

 

We know of Wendyboats appeal, but I wonder how many others are going through at the moment or have been decided against Lowell.

 

If there is a way of finding out, then it might be worthwhile.

We could do with some help from you.

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Its the ones that do get through without challenge which makes it worth while for them with the recipients unaware of their rights and without the benefit of The Consumer Action Group...that's the injustice

We could do with some help from you.

PLEASE HELP US TO KEEP THIS SITE RUNNING EVERY POUND DONATED WILL HELP US TO KEEP HELPING OTHER

 

Have we helped you ...?         Please Donate button to the Consumer Action Group - The National Consumer Service

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Yes indeed, Citizen, all that worry for nothing, sorry if I was a bit of a pain :-o

 

It was a landslide, the judge was very, very hard on their barrister for issuing the SD without any paperwork, I hardly had to put my points across at all. I asked for costs after it had been set aside and their barrister tried to say that I shouldn't be awarded costs, but again, the judge's mind was already made up. I was very lucky to get this Judge. I can start enjoying the christmas cheer now :whoo:

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that's about the 6 or 7th one thrown out in as many weeks if not sooner.

 

the word is obviously getting around.

 

dx

please don't hit Quote...just type we know what we said earlier..

DCA's view debtors as suckers, marks and mugs

NO DCA has ANY legal powers whatsoever on ANY debt no matter what it's Type

and they

are NOT and can NEVER  be BAILIFFS. even if a debt has been to court..

If everyone stopped blindly paying DCA's Tomorrow, their industry would collapse overnight... 

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Yes indeed, Citizen, all that worry for nothing, sorry if I was a bit of a pain :-o

 

It was a landslide, the judge was very, very hard on their barrister for issuing the SD without any paperwork, I hardly had to put my points across at all. I asked for costs after it had been set aside and their barrister tried to say that I shouldn't be awarded costs, but again, the judge's mind was already made up. I was very lucky to get this Judge. I can start enjoying the christmas cheer now :whoo:

 

 

You weren't a pain at all, Stan. It must be very worrying when you are faced with something like this. Presumably this is why so many people give in at the first hurdle, to avoid all the stress.

 

 

So well done for sticking it with it.. and yes.. a nice early Christmas present :)

Have we helped you ...?         Please Donate button to the Consumer Action Group

Uploading documents to CAG ** Instructions **

Looking for a draft letter? Use the CAG Library

Dealing with Customer Service Departments? - read the CAG Guide first

1: Making a PPI claim ? - Q & A's and spreadsheets for single premium policy - HERE

2: Take back control of your finances - Debt Diaries

3: Feel Bullied by Creditors or Debt Collectors? Read Here

4: Staying Calm About Debt  Read Here

5: Forum rules - These have been updated - Please Read

BCOBS

1: How can BCOBS protect you from your Banks unfair treatment

2: Does your Bank play fair - You can force your Bank to play Fair with you

3: Banking Conduct of Business Regulations - The Hidden Rules

4: BCOBS and Unfair Treatment - Common Examples of Banks Behaving Badly

5: Fair Treatment for Credit Card Holders and Borrowers - COBS

Advice & opinions given by citizenb are personal, are not endorsed by Consumer Action Group or Bank Action Group, and are offered informally, without prejudice & without liability. Your decisions and actions are your own, and should you be in any doubt, you are advised to seek the opinion of a qualified professional.

PLEASE DO NOT ASK ME TO GIVE ADVICE BY PM - IF YOU PROVIDE A LINK TO YOUR THREAD THEN I WILL BE HAPPY TO OFFER ADVICE THERE:D

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Well done. :-D

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Should you be offered help that requires payment please report it to site team.

Advice & opinions given by Caro are personal, are not endorsed by Consumer Action Group or Bank Action Group, and are offered informally, without prejudice & without liability. Your decisions and actions are your own, and should you be in any doubt, you are advised to seek the opinion of a qualified professional.

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