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    • @Man in the middle I've been searching the forum and you seem very knowledgeable. Would you mind giving a look at my query please? Thanks in advance!!
    • Thanks for this! I'm still not clear if I'm facing more than 6 points on my license though. Can you explain any further please? When I accept the 2nd speeding ticket, will they just charge me £100 and 3 points, or will they be more severe concenquences since that offense took place the following day of the 1st offense? Similarly, when I accept the 3rd offense, will they look at my record or just charge me with the £100 fine and 3 points?
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    • Been perusing the actual figures on the polls above wondering where the '16% claimed for deform comes from? I understand that there are 'weighted' end results based on secret calculations ...   Probably going to repeat this later, but remember that the ukip/brexit/reform/deform party has ALWAYS had poll speculation FAR better than their actual  performance at elections - by large margins. SO: The labor and Tory votes come largely from simply the people who say they will vote for them - sorted Lab 43% Tory 20%, with maybe another small 1-2% coming from the weightings of the 'not sures' Greens largely get what is declared from 'other' , although with another declared green bit from the 'pressed' question   So as the share of the voting displayed in 'other' granted to reform/deform is around 11%, where does the '16% too often being reported come from? Seems that reform has been granted as beneficiary of effectively ALL the don't knows and wont says, who when pressed didn't actually declare for someone else ... effectively adding 40%+ to their reported polling % - rather strange given their consistent under-performance compared to polling - or perhaps that is the cause of the higher rating eh?   Now I admit the possibility (probability?) of wingers being ashamed of declaring their support for the yuckey lemon end of the spectrum ... but surely  that should affect the 'Torys as well? Maybe the statisticians have simply weighted in that deform wingers are simply more likely to lie?   But - without 'weightings' and assumptions that faragits will get everything that isnt declared as a definite and unequivocal 'not that Piers Morgan' - reform is on around 11% it seems.   Add to that the history of polling a lot less than the hype - and the simple fact that faragit wingers seem to be spread across the country (presumably skulking in their moms spare room despite being 45+) and greens and lib dems seem to be community minded - I think two seats will be an epic result for farage. Hardly the opposition - far more raving wingnut party.   and importantly - Has farage got a home in clacton yet?
    • "as I have no tools available to merge documents, unless you can suggest any free ones that will perform offline merges without watermarking" (which you don't) ... but ok please upload the documents and we'll go from there
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      On 15/1/24 booked appointment with Big Motoring World (BMW) to view a mini on 17/1/24 at 8pm at their Enfield dealership.  

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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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      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
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Mortimer Clark/Cabot/CitiFinancial/Northampton Court


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Hi Caggers

 

Received a N1CPC claim form today which i have acknowledged through MOCL

 

Name of the Claimant ?=Cabot Financial

Date of issue=15th June 2014

Particulars of Claim?=By an agreement between CitiFinancial around March 2002 defendant failed to make the minimum payments and agreement was terminated.

What is the value of the claim?=870

Is the claim for a current or credit/loan account or mobile phone account? =Credit Card

When did you enter into the original agreement before or after 2007?Approx. 2002

Has the claim been issued by the original creditor or was the account assigned and it is the Debt purchaser who has issued the claim. = The Claim has been issued by a debt purchaser (As i do not have any agreement with Cabot)

Were you aware the account had been assigned – did you receive a Notice of Assignment?=NO

Did you receive a Default Notice from the original creditor?=NO (Not one that i can recall)

Have you been receiving statutory notices headed “Notice of Default sums” – at least once a year ?=I have not seen any of these.

Why did you cease payments:- = Could not afford it any more, tough times, lost job, gone on benefits then out and started my life again

Was there a dispute with the original creditor that remains unresolved? = None as i ceased payments when I could not afford it

 

I have now requested for info on CPR31.14

I have also sent (send a CCA1974 request to the claimant) with 1 pound attached PO

 

I gather from most cases in the forum, i do not need to do anything for now apart from keep an eye on the Court Calendar to file my defence.

 

Based on the dates, are you able to help me work out the latest day i should file my defense by?

 

Thanks Caggers

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You have 33 days from day of issue,5 deemed served, 14 to acknowledge, further 14 to submit defence.When was your last payment or acknowledgement of this ac?

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You have 33 days from day of issue,5 deemed served, 14 to acknowledge, further 14 to submit defence.When was your last payment or acknowledgement of this ac?

 

Must have been end 2009 but no later than feb 2010.

 

Do I neef to fo anything at the moment?

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Read similar threads to give you an idea of suitable defence, highly unlikely they will be able to produce your agreement, only ever seen 1 from citi for that period.Any PPI or charges?

PLEASE HELP US TO KEEP THIS SITE RUNNING

EVERY POUND DONATED WILL HELP US TO KEEP HELPING OTHERS

 

 

 

 

Any help I am able to give is from my own experience only. Should you have any doubt you should contact a qualified professional.

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Read similar threads to give you an idea of suitable defence, highly unlikely they will be able to produce your agreement, only ever seen 1 from citi for that period.Any PPI or charges?

 

I don't think there was any ppi charges as I have always stayed away from them.

Thanks for your replies. Any other suggestions most welcome.

 

If there is anyone who has had some experience with Mortimer and Cabot, please say something.

 

Thanks to all for the great work.

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cabot and Mortimer usually hope for an undefended default win.

 

citi card CCA from 2002!!

not a change they'll find that.

 

I take it this has been doing the rounds of everyone before cabot chanced their arm ?

 

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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  • 2 weeks later...

Hi. We are now in receipt of acknowledgement from mortimer clarke and offer to extend by 28 days as they consult their client. Have not received any of the other information I requested for. What's the best course of action now. Thanks Caggers

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I would refuse their offer and submit on time...gives them less chance to find and manufacture any supporting paperwork.

 

Andy

We could do with some help from you.

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Thanks Andy. I have looked in the forum for an example successful defence with no luck. Are you or any of the caggers able to point me to one. I just need to have an idea on the wording.

 

Am assuming they should have taken legal action with all the evidence ready so asking for another 28 days should not be acceptable amd I agree with Andy on thos one.

 

Thanks.

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Have you looked in the Legal success forum...?

 

http://www.consumeractiongroup.co.uk/forum/forumdisplay.php?190-DCA-Legal-Successes

 

Every thread has a defence.

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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by midnight, 33 days from the date on the claimform..that is day one

 

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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bit of a way to run yet

 

there are lots of defences by AO already in this forum

which will suit with little adaption needed.

 

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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  • 5 weeks later...

Hi Team

 

After filling my defence and receiving confirmation from the the court of the same, Mortimer Clarke have now come back and asked to hold while they obtain instruction from their client.

 

As am aware, they have 28 days to respond to my defence failure to which the case will be thrown out. Please advise. Thanks for your great support Caggers.

 

M

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Not quite...failure to respond to your defence within 28 days and the claim is stayed automatically......they dont put it on hold. So they can take as long as they wish obtaining instruction from their client.....or more accurately looking for the relevant paperwork:madgrin:

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

If you want advice on your Topic please PM me a link to your thread

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  • 5 weeks later...

It can be stayed indefinitely until the Claimant makes an application to lift the stay and continue with the claim. No way to know if this will or won't happen though.

 

As for being statute barred, the clock for this stops on the day the Court receives the claim so technically it will never be time barred.

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