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    • Hello,

      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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      The next day, 18/1/24 noticed amber engine warning light on dashboard , immediately phoned BMW aftercare team to ask for it to be investigated asap at nearest garage to me. After 15 mins on hold was told only their 5 service centres across the UK can deal with car issues with earliest date for inspection in March ! Said I’m not happy with that given what sales team advised or driving car. Told an amber warning light only advisory so to drive with caution and call back when light goes red.

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    • Housing Association property flooding. https://www.consumeractiongroup.co.uk/topic/438641-housing-association-property-flooding/&do=findComment&comment=5124299
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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
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claim form IND/Heggarty on old Lloyds (5 and a half years) credit card debt***Claim Dismissed***


Miscreant
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Hi Miscreant and welcome to CAG

 

The time line for you to follow is provided in the link by DX above post #5...

 

You dont have to complete any forms... all can be submitted on line if you follow the instructions on the claim form.

 

If you are defending you defend all...you are not counter claiming (I assume?)

 

Regards

 

Andy

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I personally would only approach the original creditor if IND failed to provide any information that is vital to your defence.

Not CPR or CCA requests

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We could do with some help from you.

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Are you sure that the particulars above are verbatim ?

We could do with some help from you.

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Only for me to check it...otherwise I dont know if you have responded to everything plead

We could do with some help from you.

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Okay Ive added the correct particulars (verbatim) and numbered their pleadings.

 

Now look at your responses ...in particular 1/2/3/4....do you think you have responded directly to their points?

 

Regards

 

Andy

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The first letter I ever opened from IND was the claim form.

 

:???:

We could do with some help from you.

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Am I able to add additional points to my defence or must I stick to the particulars of the claim and nothing more?

 

The court expects you either admit or deny any points within the claimants claim....to not answer any point is accepted as an admittance.

 

The trouble with adding anything that's not relevant (at this stage) is providing the claimant with information.

 

Remember when a debt buyer buys your debt from the original creditor...who as already wrote it off and claimed it back against their tax allowances...they pay 10/20p in the £1 for the bad debt......all they have is an account number...address and balance...nothing else no documents no history no statements...dont know if you have defaulted or whether your account was defrauded.

 

So your response should be vague as their particulars but you must respond to each point accordingly...otherwise you are admitting it in effect.

 

Im sure you have seen plenty of the defences I have penned...adjust to suit your particulars.

We could do with some help from you.

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4 is not that particularly good Miscreant ...because you are divulging history with the original creditor which can then be used by the assignee.

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Particulars of Claim

 

1.The claimant is the assignee of a debt(s) due in relation to a/various Credit Agreement(s) regulated by the consumer crediticon Act 1974 entered into between Lloyds Bank plc and the Defendant.

 

2. Notice of Assignment was provided tot he Defendant by the Claimant in writing. (note they have not provided a date of assignment)

 

3. Despite demand for payment the assigned debt(s) remains due. The Claimant complied with Section III and IV and Annex B of the PD Pre-Action Conduct.

 

And the Claimant Claims:

Credit Card Account number ****-****-****-**** balance of 3,371 as of 3/1/08.

 

4.interest under s69 of the county court Act 1984 at the rate of 8% a year from 3/1/08 to 5/9/14 of 1,627.93 and also interest at the same rate up to the date of judgement or earlier payment at a daily rate of 0.74 AND Costs.

 

But they have provided it within the interest calculation as 3rd Jan 2008....if that assignment date is correct and you have not made payment since assignment then their claim is statute barred and their claim is 7 months too late.

 

Regards

 

Andy

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1 The Claimant's claim was issued on (insert date).

 

2 The Defendant contends that the Claimant's claim so issued is a claim in contract and is statute barred pursuant to the provisions of section 5 of the Limitation Act 1980. If, which is denied, the claimant contends that the Defendant is in breach of the alleged contract, in excess of 6 years have elapsed since the date on which any cause of action for breach accrued for the benefit of the Claimant.

 

3 The Claimant's claim to be entitled to payment of £x or any other sum, or relief of any kind is denied.

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That is the statute barred defence...no additions are necessary.

 

Providing you have made no payment or acknowledgement within a clear 6 year period its Statute barred.

 

Nothing to do with not having an agreement with IND ...you do now they bought the debt from lloyds on 3rd Jan 2008.

We could do with some help from you.

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In most cases the interest calculation provides the date of assignment....in effect they could only add/request interest from the date of purchase.

Have you never received a notice of assignment from either?

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Well I think Its quite safe to go with statue barred defence...they will struggle to overcome it.

We could do with some help from you.

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There is no need to...a statute barred defence is the ultimate defence...to start adding dilutes it strength and states to a court you are not sure so to edge my bets just in case.

We could do with some help from you.

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I doubt it is.....the interest date,s as already stated indicates the assignment date....that is why they left it off in the main particulars.

We could do with some help from you.

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" I disputed the claim back in 2009 and have not acknowledged it since then. If I respond to this letter then am I not acknowledging the account again?

 

If I ignore this then what is the worst that can happen? A CCJ?

 

Can I question the legitimacy of IND to even be acting in this way with no CCA or signed contract to be found anywhere?

 

As soon as we reach May 2015 this is 6 years old and null and void. is this just a last ditch effort to try and scare me into acknowledging this debt?

We could do with some help from you.

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Dont concern yourself with logging in problems at this moment...you can use the defendants email option to submit your defence.

 

We need to establish what date you last made a payment ? Do you have a Default Notice ? Do you have Notices of sums in Arrears? Have you checked your CRAs files is it still showing?

 

Regards

 

Andy

We could do with some help from you.

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You sign up to Noodle/Equifax and Experian

We could do with some help from you.

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Only just got to you miscreant....Defence has gone so lets see what transpires.

 

Regards

 

Andy

We could do with some help from you.

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  • 3 years later...

Is this just a letter ? What do they ask you to do ?

We could do with some help from you.

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So not threatening to make an application to lift the stay or strike out your defence ?

We could do with some help from you.

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For the claim to proceed they have to submit an application to lift the stay (your claim has been stayed Nov 2014) the fee they have to pay is £255. and provide a good explanation as to why they have not done anything for 3 years.

We could do with some help from you.

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  • 2 months later...

Well the claim cant be stayed if no defence was submitted...they would have got a default judgment...and they cant make application to lift a stay and request judgment because they believe no defence was submitted.

 

Did you ever receive notification your defence was received by MCOL ?

 

Can you scan redact and upload a copy of the N244 and the " Claimants Request for Judgment " as referred to within the WS.

 

Regards

 

Andy

We could do with some help from you.

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Will run through this with you tomorrow...well later today :wink:

We could do with some help from you.

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