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    • It is already trespass, nothing further needed to make out trespass. Not sure where ‘interference with goods’ helps you / how you’d bring a claim for that that stops them parking there.
    • Thanks Dx,    For some further information, the holiday was booked as a package holiday for 2. One of the 2 had to be changed, and changing costs £700 for a new flight as "tickets had been issued and they cant do a name change". I cant quite figure out how compensation works for things when it comes to package holidays.    From what I can tell  - The plane was due to land in Turks and Caicos to drop off passengers, something happened during descent, resulting in technical fault.  - The rest of the original flight from Turks & Caicos -> Montego Bay was cancelled  - A New flight was put on today, which was then delayed by 1.5hrs aswell  - Hotel was provided for the night after much hassle.  - 1.5 days, 2 evenings of holiday lost  If I understand correctly, since the original flight (LHR -> Turks -> Montego Bay) was cancelled, they are both entitled to a refund on that full flight? I can't quite work out if they are only entitled to a refund for the equivalent of Turks -> Montego Bay, or for the full LHR->Turks->Montego Bay, since it was issued as one ticket/all Virgin, and they should have arrived yesterday..?)  I can't work out how to get the cost of that compensation, or whether its a set figure, and how the loss of days of holiday is factored in   I am aware:  If you received less than 14 days’ notice of the cancellation, you are generally due compensation, awarded in pounds or euros depending on where your flight was due to depart from, according to the following scale: £220 / €250 for all flights of 1,500km or less (e.g. Glasgow to Amsterdam); £350 / €400 for all flights between 1,500km and 3,500km (e.g. East Midlands to Marrakech); £520 / €600 for all other flights (e.g. London to New York). Compensation will be reduced by 50% if the arrival time of the replacement flight doesn’t exceed the arrival time of the original flight by: two hours for flights of 1,500km or less; three hours for flights between 1,500km and 3,500km; four hours for all other flights. So I "think" its £520pp for the flight part as compensation (7500km)... but some sites say its a full refund for the flight... is it both?  Thanks,  Ryan  
    • Our business was only transacted digitally as I was not in England at that time.  
    • Funny. But not sure I should ! Wondering if I could place pots and plants - which a) would look nice and b) would it then be trespass and interference of goods?
    • probably this buy out everyone goes on about. well just make sure they do properly sanitise your credit file. dx  
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claimform, 1st credit/moonbeever - old LLoyds Credit Card 'debt'***Settled by Mediation ADR***


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no it wouldn't it would go to your pocket the debt has been sold

 

however, as said ppi cannot directly be used as a defence to a claim.

 

Ok, thanks DX, I do have quite a few years of statements. Would their lack of any T & C's go in my favour or not? As mentioned above considering all things would it be best for me to negotiate a settlement with 1st credit and avoid a possible CCJ?

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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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blimey!

 

well every one of those as you state is reclaimable

 

at their rate too

CISheet v101.xls

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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Ok, thanks DX, I do have quite a few years of statements. Would their lack of any T & C's go in my favour or not? As mentioned above considering all things would it be best for me to negotiate a settlement with 1st credit and avoid a possible CCJ?

 

let things run for now

 

they are not exactly doing well in my eyes

 

let andyo and the rest decide that move

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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Im not far behind you I submitted my defence in full to 1st credit /moon beaver on 19th May and 28 days have elapsed and I've heard absolutely nothing ! Good luck to you .

Dec 2006 SARS request :p

 

5th Feb 2007 initial request inc list of charges totalling £1706.50 without 8% interest :o

 

15th Feb 2007"bog off " letter received.:(

 

19th Feb 2007 LBA sent with further copy of charges:|

 

4th April £750 goodwill gesture paid into bank

 

11th Aug 2007-another £704 charges since and lloyds served me with enforcement notoice

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  • 2 weeks later...

Must be pdf format too small to read.

We could do with some help from you.

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So how does their disclosure look ...agreement and notice of assignment?

We could do with some help from you.

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Well the agreement wont wash cant even read it.....where is the NoA?

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

 

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NoA looks okay ...assuming you received it on that date.

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

 

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Thanks Andy. They have not sent any T & C. There is over £700 of late payment fees and charges within the amount. Is it advisable to contact 1st Credit and negotiate an installment repayment plan? Or do I have any viable defence whatsoever as my Sect78 request has been complied with, I am not sure what to do. Thanks for your time.

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Hold your nerve.....lets see if they do wish to proceed...you will know when the Directions Questionnaire arrives (N180) and we can review your options then.

 

Regards

 

Andy

We could do with some help from you.

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Hold your nerve.....lets see if they do wish to proceed...you will know when the Directions Questionnaire arrives (N180) and we can review your options then.

 

Regards

 

Andy

 

Hi Andy,

 

The N180 has arrived.

 

Regards

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Simply complete... tick yes to mediation and submit it by the date stated.

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

 

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  • 2 months later...

Grafter how did you get on ?

Dec 2006 SARS request :p

 

5th Feb 2007 initial request inc list of charges totalling £1706.50 without 8% interest :o

 

15th Feb 2007"bog off " letter received.:(

 

19th Feb 2007 LBA sent with further copy of charges:|

 

4th April £750 goodwill gesture paid into bank

 

11th Aug 2007-another £704 charges since and lloyds served me with enforcement notoice

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Thread title amended to reflect the outcome.

 

Thanks for the update grafter.

 

Andy

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

 

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