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    • 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.   1. Paragraphs 1 is noted and accepted that the Defendant has in the past had financial dealings with  Vanquis.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 fully comply.   2. Paragraph 2 is denied. The claimant pleads that the defendant failed to maintain the required payment, arrears began to accrue. Given that the claimant has failed to comply with my CPR 31.14 request and failed to evidence such fact and would not be in a position as Assignee of debt to know the details of any alleged breach. The defendant has never received a Default Notice from the original creditor. As the claimants plead in their particulars precise knowledge of the default, they are put to strict proof to evidence such fact.   3. Paragraph 3 is denied.The Defendant contends that no notice of assignment pursuant to s.136 of the Law of Property Act & s.82 A of the CCA1974 has ever been served by the Claimant as alleged or at all.   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 or termination notice; and (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. After receiving this claim I requested by way of a CPR 31.14 request and a section 78 request 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 CPR 31.14 request and also my section 78 request and remain in default with regards to this 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.
    • I will get my son to upload the video when he gets in. No down hill slope just a small  gradient and from the turning he came out of its maybe 15 shops until the traffic lights. Maybe it didn't get faster but he feels like it did (not clear on the video)  I'm picking him up from work tonight I'll pay attention to the gradient when I go back.   He'd only changed up to 2nd so he wasn't driving fast    Upside he knows now to always be prepared for ice  
    • Not sure why you keep changing your point 1 back to .....   1. The Claimant claims £2247.91 is owed under a regulated consumer credit account under reference xxxxxxx. 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 fully comply.   1. Paragraphs 1 is noted and accepted that the Defendant has in the past had financial dealings with  Vanquis.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 fully comply.   We you the court the claimant already knows ......The Claimant claims £2247.91 is owed under a regulated consumer credit account under reference xxxxxxx. its on the claim form.   Keep it as post #59 add post #66 renumber job done.
    • Hi all   Update, so they still have not provided any statements/documents etc regarding the account (I have the original SAR though) and since the beginning of October I have received a letter stating that they believe the debit is not SB because a payment of £340 was made April/May 2014 (this is credit and refund mentioned earlier in the thread). They have so far not received the statements etc from the bank but will forward them on due course, but if I should contact them to arrange a payment plan.   I have since had a offer of a 50% settlement and then last week a 75% settlement. My view is that they are just hoping I will bite and pay them something but that is not going to happen, I have not communicated to them since that single telephone conversation back in July.   The one thing I have noticed when I use Check My File is that the account status was changed November 7th to Query at Equifax, even though the default expired on November 4th so it should have disappeared by now. The original Satans Bank default was removed on time, but the Cabot account reference is still there albeit not negatively impacting my score it just has a status of 'Q' against November and the balance showing. There is no history showing before November it almost looks like a new account was setup with a Query status against it.   Does anybody have any idea of what is going on here? The cynical side of my is thinking they are forcing me to get in touch with them in writing about the account before their incorrectly perceived April/May SB date passes. I know Equifax does take longer for updates compared to the others agencies and in a few weeks it may be gone.   I'm just wondering what peoples views are, personally my credit score is almost in the excellent bracket and I'm not planning to get any credit soon so it makes no difference to me for now.
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Every one needs to show respect, it costs nothing to be nice..

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Had a discussion on the internet other day with an American going on about how bad gay marriage was

 

After pointing out that there are other topic that deserve the attention more and are more of a risk to civilisation than gay marriage. After all, when was the last time a gay person detonated themselves for the so called Gay Agenda" or Flew planes into buildings or committed mass murder.

 

Agreed that those who actually harm people with hatred should be the target of our efforts than those who just want the opportunity to love like anyone else


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The SabreSheep, All information is offered on good faith and based on mine and others experiences. I am not a qualified legal professional and you should always seek legal advice if you are unsure of your position.

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thinking it is far too hot, why can we not just have medium heat instead of the oven! it makes me ill. I prefer it be gradual and build it up gently not in one hit! I bet when I go on holiday next month I will prob have snow!


R.I.P my beautiful grey ghost, gone but never forgotten, taken so suddenly, 04/07/2004 ~ ~ 02/03/2017

Gone but never forgotten,Little Miss Sunshine, Alisha Marie. 15/12/2005 ~ ~ 13/02/2006

Our  beloved Dalmatian Jazz,  gone to join Wal at Rainbow Bridge, hope you are now pain free .  20/9/2005 ~ ~ 24/3/2019

 

 

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Had a discussion on the internet other day with an American going on about how bad gay marriage was

 

After pointing out that there are other topic that deserve the attention more and are more of a risk to civilisation than gay marriage. After all, when was the last time a gay person detonated themselves for the so called Gay Agenda" or Flew planes into buildings or committed mass murder.

 

Agreed that those who actually harm people with hatred should be the target of our efforts than those who just want the opportunity to love like anyone else

 

 

Well done Sabre

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Keep hearing the murderers in Tunisia were on the radar. Once on don't take off, or ignore. We all need to be vigilant as we go about our business as the murderers are always looking for opportunities.

 

 

ITV now tonight programme covers the threats we face.

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http://www.telegraph.co.uk/news/science/11733369/Earth-heading-for-mini-ice-age-within-15-years.html

 

For me two main reasons why Tories won election, reliance on personal image of leader, personal jibes towards the opposition, promoting a presidential image to impress and the other reason frightening people big business would leave the country and your jobs would be lost if Labour were elected. Perception is key. This country is great in many ways, not perfect but when it comes to assets being safe, you're not going to get a mass exodus of business. They could lose everything in other countries! Perhaps an idea to have a referendum on making your vote count to give fairness of representation. Maybe George O is next for leader, previously I thought Oliver G.

 

News report we are at the same level of alert as Tunisia.

 

Greece need to kick start industry and produce for themselves and export, a plan for this first and then the talk of bailouts and pay backs can be considered. As it stands it's a black hole for cash but Brussells don't want Grexit as it then shows a union fits all doesn't work. A big conundrum.

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Tories won the election mostly because of the potential for Labour to have got into government with the support of SNP. I live in the South of England, but the day before the election the Tories had a mobile billboard lorry touring the area with a billboard showing Ed Miliband and Nicola Sturgeon outside of no.10.

 

Also the Tories spent twice as much as all the other parties combined, so not a fair election. The Lib Dems had no money for a proper election campaign.

 

As for Labour, they were not offering a clear alternative. A very bad campaign. If you cannot explain why you are different to another party, you have a problem.

 

As for the current world, it is a mess. We could have WW3 within 10 years, but it will be different to the previous two wars. The various terrorist groups are joining together and they are taking over parts of countries already. The US and allies won't intervene on the ground yet, because they would incur a lot of casualties. Some of these terrorist groups have people living in western countries who will carry out acts of terror. The 7/7 type attack could well happen again.


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There was the Scottish scare mongering as well, for me that comes under my umbrella of business leaving Uk partly because of the Scottish factor and comes into my reason of perception, perceive Scotland as the enemy. A call of join me to defeat them. Could be seen as racist?

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There was the Scottish scare mongering as well, for me that comes under my umbrella of business leaving Uk partly because of the Scottish factor and comes into my reason of perception, perceive Scotland as the enemy. A call of join me to defeat them. Could be seen as racist?

 

Yes the Tories campaign could be seen by some as racist. The Tories see themselves as the party for England, hence English votes for English laws. They are no longer a unionist party.

 

I do not like Tories, after years of seeing their true nature. I just don't trust them. Some within Labour are the same. We have the new era of professional politicians who try to be clever. Telling lies seems to be seen as acceptable.


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all parties are the same I find, full of hot air.

 

I do not like the Labour party but that is my opinion.


R.I.P my beautiful grey ghost, gone but never forgotten, taken so suddenly, 04/07/2004 ~ ~ 02/03/2017

Gone but never forgotten,Little Miss Sunshine, Alisha Marie. 15/12/2005 ~ ~ 13/02/2006

Our  beloved Dalmatian Jazz,  gone to join Wal at Rainbow Bridge, hope you are now pain free .  20/9/2005 ~ ~ 24/3/2019

 

 

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Greece need to kick start industry and produce for themselves and export, a plan for this first and then the talk of bailouts and pay backs can be considered. As it stands it's a black hole for cash but Brussells don't want Grexit as it then shows a union fits all doesn't work. A big conundrum.

 

There's no room for cut backs so the country needs help to rebuild it's economy in a credible way and make the EU feel they have confidence in Greece to do this.

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Raising Fox Hunting again has angered and embarrassed many Tory supporters. Their view is there are far more important issues which need to be addressed and gives the impression the cabinet doesn't connect with the electorate. It brings back that Tory Boy image. The next thing is trying to force thru English votes for English laws, so they can force thru the Fox bill. I believe the people will begin to see what's going on with the blues in power and begin to embrace the SNP.

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Transport workers told to work 24 hrs. This will eventually be embraced, but the government made it look as though it was an outright refusal by the unions, for obvious reasons. There needs to be more discussion as to how this will be implemented but the bullies can't be bothered with that part of the equation. Now, surgical staff have been told to work weekends. With this implementation, people will see how these reforms take time to put into place, and not that train unions are purposely difficult. The government just want people to have that perception.

 

MP's just awarded 10% pay increase. So there is money then. There is also a long recess in summer. A world away from workers just trying to get a fair deal, work life balance.

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There was a news item about cartoons explaining the nuclear bombing of Hiroshima and Nagasaki.

 

The thought occured to me that the horror of the bombing, may have prevented nuclear bombs being used later, therefore saving more lifes in the long run. Had the bombing of Hiroshima and Nagasaki not happened, how history would have been different. Would Japan have continued the war ? Would other nations have got hold of nuclear technology that was more powerful in the years after because the full horror was only theoretical ? Would the cold war between Russia and the West been worse, with the potential for nuclear war being higher ?

 

An awful event in history, but we don't often think about how the world would have been different, had it not happened. Perhaps WW3 would have already happened and i would not be around to type this comment on CAG.


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why a few days before a holiday everything seems to go wrong!


R.I.P my beautiful grey ghost, gone but never forgotten, taken so suddenly, 04/07/2004 ~ ~ 02/03/2017

Gone but never forgotten,Little Miss Sunshine, Alisha Marie. 15/12/2005 ~ ~ 13/02/2006

Our  beloved Dalmatian Jazz,  gone to join Wal at Rainbow Bridge, hope you are now pain free .  20/9/2005 ~ ~ 24/3/2019

 

 

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Why do delivery drivers seem to expect us to be standing behind the front door, ready to open it at their knock???

 

Yes, I'm disabled so it does take me a little longer to get to the door, but the woman had the cheek to ask me, at midday, if she had gotten me out of bed!! I was standing there fully dressed, hair done, make up on. Evidently they let anyone drive, as I said to her sarcastically 'yes I always go to bed fully dressed'. she looked at me, obviously confused, and said 'well sorry about that'.

 

People!! Can't live with them, can't shoot 'em when they come to your door.


We hang the petty thieves and appoint the great ones to public office ~ Aesop

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Thought of a new thread, but probably better here.

 

Have the public become too use to high death counts in accidents reported and it is no longer major news ?

 

Over the weekend we had the air show plane crash which has killed up to 20 people on the A27. It has been the first item on the TV news and is covered in newspapers, but it is not the big news story it would have been only a few years ago. A few years ago, we would have had continual news coverage and normal TV programmes interupted to break the news. Now it is just one story.


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Amazing Idea! What makes me smile in the start of the day is to thank God For giving me this another life to spend with my friends and Families. :)

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Thought of a new thread, but probably better here.

 

Have the public become too use to high death counts in accidents reported and it is no longer major news ?

 

Over the weekend we had the air show plane crash which has killed up to 20 people on the A27. It has been the first item on the TV news and is covered in newspapers, but it is not the big news story it would have been only a few years ago. A few years ago, we would have had continual news coverage and normal TV programmes interupted to break the news. Now it is just one story.

 

I think this terrible disaster will be the start of a discussion as to whether air show acrobatics should not take place over land. I sense this tragedy will be expanded upon this coming week.

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There's been reports in the past on this drug but I believe everyone should be aware of it's existence, and from what I hear it's on our streets. Do we all remember on the news a short while ago, a small shop owner is seen handing over his wallet to a man who was a thief. He seemed to just walk in, 'hypnotise' the shop owner and the wallet was handed to the thief. We didn't hear any more of that incident but my guess is it's this drug which was used. If a small amount of the drug dust is blown at you, you comply with whatever is asked of you and you lose memory of what happened whilst under it's influence. Maybe there should be an advert campaign, what happens in clubs and bars comes to mind and any citizen caught unawares.

 

http://www.messagetoeagle.com/devilsbreath.php#.VLwD6UesWbM

 

It's raised again

 

http://www.dailymail.co.uk/news/article-3220379/The-danger-Devil-s-Breath-women-criminals-using-new-trick-blowing-drug-powder-victim-s-faces-leaving-like-zombie-s-ll-ANYTHING.html

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I've noticed a 70's revival, clothes in shops, new car colours. When I look at the clothes funny how it takes you back quickly. :-D

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It amazes me the stupidity of some people who think they are intelligent and well educated, but answer questions on BBC Question Time in an illogical way. Charles Moore the journalist and a Tory Welsh MP appeared to believe that the Prime Minister was the only person who could press the button to trigger UK nuclear missiles being used. If this was the case anyone attacking the UK would first bomb the location where the PM was. The truth is that there is a command structure and the PM is at the top of a list. The PM cannot decide to press the button in isolation or rule out using them. This is what makes the Jeremy Corbyn nuclear button debate a bit silly.


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Yes UB. They're trying to discredit JC but imo it aint working!

 

We are really starting to see the true colours of those we thought really cared. I was disappointed to hear comments from a household name how we may as well live in China if JC elected. How ridiculous. This person thinks JC will rock the markets. The only people rocking the markets are those who peddle grim gossip which shallow city dealers use for their own ends. Challenging hefty rents and runaway house prices is a positive move, even for investors. If you don't address these issues, there will be empty property eventually, your portfolio is only as lucrative as those willing to buy or rent. Too much greed will desseminate that.

 

The Kennedys 9.30 tnite BBC1 back to the 70's:-D

 

Listening to how the gun lobby in USA dictates to a so called democracy. Money before people again.

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