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    • Hi,  Update: the breeder has now had a solicitors letter sent to me refusing to accept judgement based on a faulty service ( claiming the name was spelt wrong etc), so no PoC has been received so I must stop the judgement or pay her costs in court as she now seeks an urgent order based on incorrect service.   I explained she confirmed their details twice upon being asked where she wanted docs to go and that she refused delivery at her home address of the action coming so she’s obstructed service herself.   lesley 
    • The above does need careful consideration of all aspects but   ‘You’ve ruined this country’: Israeli ministers heckled out of hospital WWW.TELEGRAPH.CO.UK Civilians could be heard shouting ‘get out of here’ as public anger at the government mounts        
    • Israel knew of Hamas plot more than a year ago Israeli officials obtained Hamas’s battle plan for the devastating Oct. 7 terrorist attack more than a year before it happened, according to documents, emails and interviews, but they dismissed it as aspirational, considering it too difficult for Hamas to carry out. In fact, Hamas followed the blueprint with shocking precision. Over about 40 pages, a document code-named Jericho Wall by the Israeli authorities outlined exactly the kind of devastating invasion that led to the deaths of about 1,200 people. It did not set a date, but it described a methodical assault designed to overwhelm the fortifications around the Gaza Strip, take over Israeli cities and storm key military bases. Last year, shortly after the document had been obtained, officials in the Israeli military said that Hamas’s intentions were unclear. Then, in July, just three months before the attacks, a veteran Israeli intelligence analyst warned that Hamas had conducted an intense, daylong training exercise that appeared similar to what was outlined in the blueprint. Those concerns were brushed off. Concessions: Israeli security officials have already acknowledged that they failed to protect the country, and the government is expected to assemble a commission to study the events leading up to the attacks. The Jericho Wall document lays bare the missteps that culminated in what officials now regard as the worst Israeli intelligence failure in five decades. More from the war: Antony Blinken, the U.S. secretary of state, urged Israeli leaders to take concrete steps to reduce civilian deaths in Gaza. At least three people were killed and six others wounded when two Hamas-affiliated gunmen opened fire on the outskirts of Jerusalem. Since the Oct. 7 attacks, extremist settlers in the West Bank have been emboldened, displacing more than 1,000 Palestinians, according to the U.N. -NYT  
    • The Nationwide says there are "encouraging signs" that mortgage rates are starting to come down.View the full article
    • Hi, Updates have been made to the WS / Court Bundle document and incorporated @BankFodder feedback as well. The second draft of the Ws / Court bundle is attached and the updates are in blue font. Any further feedback / improvements is welcome 🙂   Draft - Witness Statement and Court Bundle redacted.pdf
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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.

      Please note that a recent case against UPS failed on exactly the same issue with the judge held that the Contracts (Rights of Third Parties) Act 1999 did not apply.

      We will be getting that transcript very soon. We will look at it and we will understand how the judge made such catastrophic mistakes. It was a very poor judgement.
      We will be recommending that people do include this adverse judgement in their bundle so that when they go to county court the judge will see both sides and see the arguments against this adverse judgement.
      Also, we will be to demonstrate to the judge that we are fair-minded and that we don't mind bringing everything to the attention of the judge even if it is against our own interests.
      This is good ethical practice.

      It would be very nice if the parcel delivery companies – including EVRi – practised this kind of thing as well.

       

      OT APPROVED, 365MC637, FAROOQ, EVRi, 12.07.23 (BRENT) - J v4.pdf
    • Post in Some advice on buying a used car
    • People are still buying used cars unseen, paying by cash or by bank transfer, relying on brand-new MOT's by the dealer's favourite MOT station….
      It always leads to tears!
      used car.mp4

       

       
    • Pizza delivery insurance.mp4


       

       

       

      Parcel delivery insurance 1.mp4
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CCS & DCA's


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HI,

 

This is just a general question about CCA's. I've noticed that CCA's only really apply to loans etc... (which makes sense), but how come, say in the example of a mobile or utility debt which is sold on to some random third party there's no CCA involved?

 

My reasoning for wondering this is because:

 

1) The debt no longer lies with the mobile, phone, utility company

2) You now have a debt, a totally new one which wasn't agreed

 

Surely that debt is 'credit' and is governed?

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Mobile contracts are 'service' contracts where you pay a monthly fee for the facility although O2 are changing this by making the phone part of the contract a credit agreement.

 

utility companies are also not credit agreements as you are paying for a service used or pre pay for a service

 

Credit agreements usually have an interest rate attached to them

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What I was more interested in was the fact that when a debt is "sold" to another company, it is no longer a "utility" but an outright financial debt. This is the part where I get confused. There's no supporting paperwork behind the debts orange no longer have paperwork (for example) but "MoneyGrabber Limited" says I owe them none with no actual proof.

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