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    • Firstly, I would like to thank everyone for their help in this matter. Since my last post I have received a reply from Plymouth Council Insurance Team concerning my wife’s accident (please see enclosed letter and photo of the offending Badminton post) which they deny any responsibility for the said accident. I feel that the Council is in breach of their statutory duties under the following acts: The Leisure Centre was negligent in its duty of care and therefore, in breach of the statutory duty owed under section 2 of the Occupiers’ Liability Act 1957. Health and Safety at Work Act 1974 (the Act) to ensure, so far as is reasonably practicable, the health, safety and welfare at work of all their employees, and others who might be affected by its undertaking, e.g. members of the public visiting the Leisure Centre to use the facilities. The Management of Health and Safety at Work Regulations 1999 that requires employers to assess risks (including slip and trip risks) and, where necessary, take action to address them. The Provision and Use of Work Equipment Regulations (PUWER) require the risk to people’s health and safety from equipment that is used at a Leisure Centre be prevented or controlled. I would like some advice to see if my assumptions are correct and my approach to obtaining satisfactory outcome to this matter are accurate. Many thanks   PLM23000150 - Copy Correspondence.pdf post docx.docx
    • Talking to them does not reset the time limit, although they will probably tell you it does, they'd be lying. Dumbdales are the in-house sols for Lowlife, just the next desk along. If Lowlifes were corresponding with you at your current address then Dumbdales know your address. However, knowing that they are lower than a snake's belly, you would be well advised to send them a letter, informing them of your current address and nothing else. Get 'proof of posting' which is free from the PO counter, don't sign it, simply type your name. That way then they have absolutely no excuse for attempting a back door CCJ.   P.S. Best course of action, IGNORE them, until or unless you get a claim form......you won't.
    • A 'signed for' Letter of Claim has been sent today so they have 14 days from tomorrow... Lets wait and see what happens but i suspect judging by their attitude they wont reply 
    • I am extremely apprehensive about burning our files.... I do not know why, so it is becoming an endless feedback loop. Scared to pull the trigger to speak in the desire not to mess up my file. 
    • Hi All, So brief outline. I have Natwest CC debt £8k last payment i made was 7th November 2018 Not a penny since. So coming up to the 6 year mark. Can't remember when i took out the  credit card would be a few years before everythign hit the fan. Moved house 2020 - updated NatWest as I still have a current account with them. Then Lowells took over from Moorcroft and were writing to me at my current address. I did get a family member to speak to them 3 years ago regarding the debt explained although it may be in my name I didn't rack it up then went contact again. 29th may received an email from overdales saying they were now managing the debt. I have not had any letter yet which i thought is odd?  Couple of questions 1. Does my family member speaking to lowell restart statute barred clock? 2. Do you think overdales aren't writing to me because they will back door CCJ to old address even though Lowells have contacted me at current address never at previous? ( have no proof though stupidly binned all letters  ) Should I write to them and confirm my address just incase? Does this restart statute barred clock? 3. what do you think best course of action is?   Any help/advice is appreciated I am aware they may ramp up the process now due to 7th December being the 6 year mark.   Many Thanks in advance! The threads on here have been super helpful to read.  
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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.

      Frankly I don't think that is any accident.

      One of the points that the judge made was that the customers contract with the broker specifically refers to the courier – and it is clear that the courier knows that they are acting for a third party. There is no need to name the third party. They just have to be recognisably part of a class of person – such as a sender or a recipient of the parcel.

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      OT APPROVED, 365MC637, FAROOQ, EVRi, 12.07.23 (BRENT) - J v4.pdf
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Hi All

 

WOW,:whoo: IT's good to be back here and seeing all the cagers still at it doing their best for each other.

 

I have not posted her for about 7/8 weeks as I decieded I needed a break from my situation and assisting others, as things ( the fight ) got a bit to much for me and Mrs W, and I was finding things a litte overwhelming so I unplugged the computer and concentrated on my new job, Now 7/8 weeks down the line things are a lot clearer and with the advice of ell ( pm,d ) I have just staved off eviction 24 hrs before bailiffs were due, I have had lots of c**p from HFO too ( I'll post up ) and Rossies came knocking but I was able to deal with them.

 

During my time away I became a little more relaxed , yet missed this forum as I had become reliant upon it, now I have returned, and refreshed I feel ready for ( the fight ) to continue, and after a whole clear out of paperwork and a tidy up I await the next letter.

 

Thankyou all for helping me since I crawled from behind the couch in Nov 08, it has been a struggle but me and my family are better for it.

 

Here's to the forum, 'cagers old and new' and some exiting times ahead.

 

I'm of to catch up around the threads and hope to offer some input very soon.

 

Thanks a bunch:-)

 

Mr W and the not so Worried family

Regards..Mr Worried :)

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Good stuff Mr Worried, nice to see you back :-D

Any advice I give is honest and in good faith.:)

If in doubt, you should seek the opinion of a Qualified Professional.

If you can, please donate to this site.

Help keep it up and active, helping people like you.

If you no longer require help, please do what you can to help others

RIP: Rooster-UK - MARTIN3030 - cerberusalert

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Welcome back, marra - thought that you had been quiet. Have you read the HFO license stuff yet?

 

look forward to your updates

Please support CAG and they will support you.

donate

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Welcome back Mr W

 

Great news on the improved situation . . good luck with the new job

 

R

[sIGPIC][/sIGPIC] I asked them to wait whilst I got my Bank card :violin:

------------------------------------------------------------------------------------------

 

Information that may help if a CCA request is refused due to the lack of a signature . . http://www.consumeractiongroup.co.uk/forum/showthread.php?248863-Signature-demands-fight-back-possible-!&highlight=

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  • 3 months later...

How does this dca still exist? sent me a letter today re an alleged debt, saying..To avoid wescot taking further action YOU MUST, blah blah.

 

They still have not produced the cca I requested over 2 yr ago, why oh why.

 

PLEASE CONTACT US ASAP OR ELSE FURTHER RECOVERY ACTION WILL TAKE PLACE.

 

Please cagers bring me up to date with these people, as I have been missing for a while.

 

Mr W

Edited by Mr Worried
sp

Regards..Mr Worried :)

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Mr worried you are a well seasoned cager but due to your absence and we forgive you for making a simple mistake Westclot only ever employ monkies not people.

if you sent the letter to them putting the account in dispute for not sending you your cca as requested. and still have a copy then ignor them.

PHOTOBUCKET TUTORIAL IS NOW DONE HERE IT IS

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i love ringing them up when i get letters like that.

i ring them they ask security question,

i say i'm not giving you anything they say they cannot continue,

i say all i got was a letter from yourselves asking me to make contact you,

which the recording of this phone call will prove

it does not say i have to have a conversation. :lol:

PHOTOBUCKET TUTORIAL IS NOW DONE HERE IT IS

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Yes I'll often do that if I'm feeling particularly mischievous, giving them no personal details, just a reference number and informing them that as I have made contact with them, there is no need for them to take further action, partly because I have rang them within their own self appointed time limits, and mainly because there is absolutely nothing they can ever do anyway!

 

If you get an unusually temperamental phone drone, they tend to see red and spout out all sorts of nonsense and childish language.... just laugh at them then hang up.

Who ever heard of someone getting a job at the Jobcentre? The unemployed are sent there as penance for their sins, not to help them find work!

 

 

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  • 2 weeks later...

Hi All

 

WOW, at the moment things seem to be nose diving in the wrong direction, along with my other woe's I recieve a letter today from Morgans ( Rugby ) advising me of an interim CO, re Mrs W ccj?????

 

In a nut shell a few month ago I moved from the home, Mrs never spoke to me blah blah, I return and this falls in my lap.

 

It is for her cc from ? ( will wait till she returns from work ) I remember sending a cca request a while ago and heard nothing , dca after dca, and still nothing, now this.

 

What do you guys need to know so I can sort this for her?

 

Mr getting a bit P'd off

Regards..Mr Worried :)

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sound like a std threat-o-gram

is this linked to a previous thread you have for the history please.

 

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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sound like a std threat-o-gram

is this linked to a previous thread you have for the history please.

 

dx

 

Hi dx

 

Yknow what? I dont bloody know, head in a spin I am not near my files at the mo so will have to look later, and speak with Mrs W when she's home, although that wont be till after 8pm tonight.

 

Cheers for the quick response.

 

Mr

Regards..Mr Worried :)

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  • 3 months later...

Hi All

 

Just as the heading says, Today I have been contacted by 2 claims companys? In a nutshell they told me that They will tell me if I can make a claim or not as they can get the info??? How can they do/get this info? do they sar on our behalf thus creating lots of expense?

 

Just Wondered, Thats all.

Regards..Mr Worried :)

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Steer clear.

 

We have never heard anything good about any claims company

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Claiming what, PPI and charges, if so yes they will get you to sign a SAR or get you to send one.

Any advice I give is honest and in good faith.:)

If in doubt, you should seek the opinion of a Qualified Professional.

If you can, please donate to this site.

Help keep it up and active, helping people like you.

If you no longer require help, please do what you can to help others

RIP: Rooster-UK - MARTIN3030 - cerberusalert

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