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    • further polished WS using above suggestions and also included couple of more modifications highlighted in orange are those ok to include?   Background   1.1  The Defendant received the Parking Charge Notice (PCN) on the 06th of January 2020 following the vehicle being parked at Arla Old Dairy, South Ruislip on the 05th of December 2019.   Unfair PCN   2.1  On 19th December 2023 the Defendant sent the Claimant's solicitors a CPR request.  As shown in Exhibit 1 (pages 7-13) sent by the solicitors the signage displayed in their evidence clearly shows a £60.00 parking charge notice (which will be reduced to £30 if paid within 14 days of issue).  2.2  Yet the PCN sent by the Claimant is for a £100.00 parking charge notice (reduced to £60 if paid within 30 days of issue).   2.3        The Claimant relies on signage to create a contract.  It is unlawful for the Claimant to write that the charge is £60 on their signs and then send demands for £100.    2.4        The unlawful £100 charge is also the basis for the Claimant's Particulars of Claim.  No Locus Standi  3.1  I do not believe a contract with the landowner, that is provided following the defendant’s CPR request, gives MET Parking Services a right to bring claims in their own name. Definition of “Relevant contract” from the Protection of Freedoms Act 2012, Schedule 4,  2 [1] means a contract Including a contract arising only when the vehicle was parked on the relevant land between the driver and a person who is-   (a) the owner or occupier of the land; or   (b) Authorised, under or by virtue of arrangements made by the owner or occupier of the land, to enter into a contract with the driver requiring the payment of parking charges in respect of the parking of the vehicle on the land. According to https://www.legislation.gov.uk/ukpga/2006/46/section/44   For a contract to be valid, it requires a director from each company to sign and then two independent witnesses must confirm those signatures.   3.2  The Defendant requested to see such a contract in the CPR request.  The fact that no contract has been produced with the witness signatures present means the contract has not been validly executed. Therefore, there can be no contract established between MET Parking Services and the motorist. Even if “Parking in Electric Bay” could form a contract (which it cannot), it is immaterial. There is no valid contract.  Illegal Conduct – No Contract Formed   4.1 At the time of writing, the Claimant has failed to provide the following, in response to the CPR request from myself.   4.2        The legal contract between the Claimant and the landowner (which in this case is Standard Life Investments UK) to provide evidence that there is an agreement in place with landowner with the necessary authority to issue parking charge notices and to pursue payment by means of litigation.   4.3 Proof of planning permission granted for signage etc under the Town and country Planning Act 1990. Lack of planning permission is a criminal offence under this Act and no contract can be formed where criminality is involved.   4.4        I also do not believe the claimant possesses these documents.   No Keeper Liability   5.1        The defendant was not the driver at the time and date mentioned in the PCN and the claimant has not established keeper liability under schedule 4 of the PoFA 2012. In this matter, the defendant puts it to the claimant to produce strict proof as to who was driving at the time.   5.2 The claimant in their Notice To Keeper also failed to comply with PoFA 2012 Schedule 4 section 9[2][f] while mentioning “the right to recover from the keeper so much of that parking charge as remains unpaid” where they did not include statement “(if all the applicable conditions under this Schedule are met)”.     5.3         The claimant did not mention parking period, times on the photographs are separate from the PCN and in any case are that arrival and departure times not the parking period since their times include driving to and from the parking space as a minimum and can include extra time to allow pedestrians and other vehicles to pass in front.    Protection of Freedoms Act 2012   The notice must -   (a) specify the vehicle, the relevant land on which it was parked and the period of parking to which the notice relates;  22. In the persuasive judgement K4GF167G - Premier Park Ltd v Mr Mathur - Horsham County Court – 5 January 2024 it was on this very point that the judge dismissed this claim.  5.4  A the PCN does not comply with the Act the Defendant as keeper is not liable.  No Breach of Contract   6.1       No breach of contract occurred because the PCN and contract provided as part of the defendant’s CPR request shows different post code, PCN shows HA4 0EY while contract shows HA4 0FY. According to PCN defendant parked on HA4 0EY which does not appear to be subject to the postcode covered by the contract.  6.2         The entrance sign does not mention anything about there being other terms inside the car park so does not offer a contract which makes it only an offer to treat,  Interest  7.1  It is unreasonable for the Claimant to delay litigation for  Double Recovery   7.2  The claim is littered with made-up charges.  7.3  As noted above, the Claimant's signs state a £60 charge yet their PCN is for £100.  7.4  As well as the £100 parking charge, the Claimant seeks recovery of an additional £70.  This is simply a poor attempt to circumvent the legal costs cap at small claims.  7.5 Since 2019, many County Courts have considered claims in excess of £100 to be an abuse of process leading to them being struck out ab initio. An example, in the Caernarfon Court in VCS v Davies, case No. FTQZ4W28 on 4th September 2019, District Judge Jones-Evans stated “Upon it being recorded that District Judge Jones- Evans has over a very significant period of time warned advocates (...) in many cases of this nature before this court that their claim for £60 is unenforceable in law and is an abuse of process and is nothing more than a poor attempt to go behind the decision of the Supreme Court v Beavis which inter alia decided that a figure of £160 as a global sum claimed in this case would be a penalty and not a genuine pre-estimate of loss and therefore unenforceable in law and if the practice continued, he would treat all cases as a claim for £160 and therefore a penalty and unenforceable in law it is hereby declared (…) the claim is struck out and declared to be wholly without merit and an abuse of process.”  7.6 In Claim Nos. F0DP806M and F0DP201T, District Judge Taylor echoed earlier General Judgment or Orders of District Judge Grand, stating ''It is ordered that the claim is struck out as an abuse of process. The claim contains a substantial charge additional to the parking charge which it is alleged the Defendant contracted to pay. This additional charge is not recoverabl15e under the Protection of Freedoms Act 2012, Schedule 4 nor with reference to the judgment in Parking Eye v Beavis. It is an abuse of process from the Claimant to issue a knowingly inflated claim for an additional sum which it is not entitled to recover. This order has been made by the court of its own initiative without a hearing pursuant to CPR Rule 3.3(4)) of the Civil Procedure Rules 1998...''  7.7 In the persuasive case of G4QZ465V - Excel Parking Services Ltd v Wilkinson – Bradford County Court -2 July 2020 (Exhibit 4) the judge had decided that Excel had won. However, due to Excel adding on the £60 the Judge dismissed the case.  7.8        The addition of costs not previously specified on signage are also in breach of the Consumer Rights Act 2015, Schedule 2, specifically paras 6, 10 and 14.   7.9        It is the Defendant’s position that the Claimant in this case has knowingly submitted inflated costs and thus the entire claim should be similarly struck out in accordance with Civil Procedure Rule 3.3(4).   In Conclusion   8.1        I invite the court to dismiss the claim.  Statement of Truth  I believe that the facts stated in this witness statement are true. I understand that proceedings for contempt of court may be brought against anyone who makes, or causes to be made, a false statement in a document verified by a statement of truth without an honest belief in its truth.   
    • Well the difference is that in all our other cases It was Kev who was trying to entrap the motorist so sticking two fingers up to him and daring him to try court was from a position of strength. In your case, sorry, you made a mistake so you're not in the position of strength.  I've looked on Google Maps and the signs are few & far between as per Kev's MO, but there is an entrance sign saying "Pay & Display" (and you've admitted in writing that you knew you had to pay) and the signs by the payment machines do say "Sea View Car Park" (and you've admitted in writing you paid the wrong car park ... and maybe outed yourself as the driver). Something I missed in my previous post is that the LoC is only for one ticket, not two. Sorry, but it's impossible to definitively advise what to so. Personally I'd probably gamble on Kev being a serial bottler of court and reply with a snotty letter ridiculing the signage (given you mentioned the signage in your appeal) - but it is a gamble.  
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Capquest/Drydensfairfax - Old Halifax Credit card debt threatening court action


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Hi this has been backwards and forwards to Capquest for about 18 months, its for a Halifax cc from 2006, my main dispute is that when I requested a CCA I was sent a copy of the application form which had only one of the prescribed terms on it. It did not show the amount of credit, credit limit or repayments, the only thing it has on it is the name and address, rate of interest and signature. They also sent the terms & conditions stapled to it on 8 separate A4 sheets.

 

 

They say this is enough and have complied with my request - is this the case? Where do I stand with the fact nearly all the prescribed terms are missing?

 

 

Now Drydensfairfax solicitors have got involved I need to respond to them asap as they are threatening court action.

 

 

Any advice as to what my response should be would be greatly appreciated.

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They might well have complied sufficiently to cover their obligations in respect of the s78 request, but I think they might need more than what they have provided for any legal action.

 

How long has this account been in dispute and when did you cease payments.

 

Are CapQuest now the new owner of the debt or are they acting on behalf of Halifax.

 

Is there any PPI or are there any default/penalty charges that can be reclaimed - You might want to send a Subject Access Request to Halifax, start collecting information JIC CapQuest do proceed to litigate.

 

Was this a credit card proper or one of their Preference Accounts ?

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PLEASE DO NOT ASK ME TO GIVE ADVICE BY PM - IF YOU PROVIDE A LINK TO YOUR THREAD THEN I WILL BE HAPPY TO OFFER ADVICE THERE:D

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Thanks for your reply CitizenB.

 

Its been disputed since 2009 when payments also stopped.

 

Tried to negotiate a reduced payment plan as financial situation was dire but they piled interest on which was higher than the payments being made and when I requested a CCA they then sent me to their debt collectors and been on the DCA merry go round ever since.

 

it was sold to Capquest but also now owned by LLoyds???? Not sure if Halifax and Lloyds merged.

 

Yes there are interest and charges on there but no PPI. Im not sure what you mean by a credit card Proper?

 

Do I then reply to Drydensfairfax stating that the prescribed terms are missing and therefore they cannot enforce in court?

 

Ok so have started to draft a letter with a little help from another thread. Would this suffice?

 

"

Thank you for your letter dated 8th September 2014. This account is in dispute and has been for many years. Capquest nor halifax have been unable to supply me with true copies of the properly executed Regulated consumer credit Card Agreement in relation to the alleged Account. Unfortunately neither responses have produced any evidence that the Agreement is Enforceable.

 

The alleged Agreement appears to be unenforceable for the following reasons:

 

1. The document is an Application Form and neither carry the correct title if they are to be considered suitable as becoming Agreements once properly executed. The missing Title being 'Credit Card Agreement Regulated by The Consumer Credit Act 1974.'

 

2. I am entitled to receive a true copy of the Agreement and such true copies must be easily legible. The agreement is not a true copy, nor is it easily legible. Various parts of the copies are defaced and are out of sequence the first page states page 4 of 8, the back of this states page 3 of 8, quite clearly it has been cut and pasted together. Both are also hard to read due to poor quality copying. Furthermore where are the missing 6 pages???

 

 

3. The agreement must contain the prescribed terms within the four corners of the agreement, the agreement does not have the prescribed terms within the four corners in fact it does not contain any of the Prescribed terms and furthermore no where on the front is there any reference to terms and conditions being stapled on the reverse.

 

You should be aware that a creditor is not permitted to take ANY

action against an account whilst it remains in dispute.

 

The lack of a credit agreement is a very clear dispute and as such the following applies.

 

* You may not demand any payment on the account, nor am I obliged to offer any payment to you.

* You may not add further interest or any charges to the account.

* You may not pass the account to a third party.

* You may not register any information in respect of the account with any credit reference agency.

* You may not issue a default notice related to the account.

 

I reserve the right to report your actions to any such regulatory authorities as I see fit including but not limited to Trading Standards, the Office of Fair Trading, the Information Commissioners Office, The Financial Ombudsman Service and my MP .

 

 

If you have the original of my alleged agreement available I request that I be allowed to view it at your offices so I can verify it as the alleged document that I signed.

 

I must also remind you that any court action you may choose to take would require you to produce the original of the alleged agreement. I look foward to hearing from you within 7 days."

 

 

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I would just keep it very simple

 

Thank you for your letter dated 8/9 2014 the contents of which have been noted.

 

On xx/xx/xxxx I sent a request under s78CCA1974 to Capquest(current owners??)

 

As of todays date, no reply has been received which complies with s78(1)cca1974

 

and until such a reply is received, the provisions of s78(6)apply

 

Yours etc........

 

in addition have a good read of the following-the current guidelines

 

http://fshandbook.info/FS/html/FCA/CONC/13/1

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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Have also noticed a few more things, the first page of the re constructed application form says page 4 of 8, the reverse of this says page 3 of 8 so obviously cut & pasted together back to front, should I be demanding to see the missing 6 pages?

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If you feel that they have failed to comply with their obligations in supplying the CCA, then you could send them this, edit to suit,

 

http://www.consumeractiongroup.co.uk/forum/showthread.php?387485-Letter-to-solicitors-threatening-legal-action-in-default-of-agreement-request-%28update-21.04.2014%29

 

Also bare in mind 'why' has it taken them this amount of time to try and reclaim money they say you owe?? Surely Shallowfax would have done it sooner rather than 5 years later??

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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Have also noticed a few more things, the first page of the re constructed application form says page 4 of 8, the reverse of this says page 3 of 8 so obviously cut & pasted together back to front, should I be demanding to see the missing 6 pages?

 

no, dont tell them what is wrong, let them work it out

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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Thanks for your reply CitizenB. Its been disputed since 2009 when payments also stopped. Tried to negotiate a reduced payment plan as financial situation was dire but they piled interest on which was higher than the payments being made and when I requested a CCA they then sent me to their debt collectors and been on the DCA merry go round ever since. t was sold to Capquest but also now owned by LLoyds???? Not sure if Halifax and Lloyds merged.

 

 

Yes there are interest and charges on there but no PPI. Im not sure what you mean by a credit card Proper?

 

 

 

Halifax had this brilliant idea for duping their customers - it was called a Preference Account - primarily it was a loan - but somehow they managed to sneak in a credit card and the inevitable PPI onto the same agreement. These are pretty much unenforceable in that they only obtained a signature for the loan and the PPI was usually automatically ticked. They also failed to provide the prescribed terms for both the loan and the credit card - these would have been different terms .

Have we helped you ...?         Please Donate button to the Consumer Action Group

Uploading documents to CAG ** Instructions **

Looking for a draft letter? Use the CAG Library

Dealing with Customer Service Departments? - read the CAG Guide first

1: Making a PPI claim ? - Q & A's and spreadsheets for single premium policy - HERE

2: Take back control of your finances - Debt Diaries

3: Feel Bullied by Creditors or Debt Collectors? Read Here

4: Staying Calm About Debt  Read Here

5: Forum rules - These have been updated - Please Read

BCOBS

1: How can BCOBS protect you from your Banks unfair treatment

2: Does your Bank play fair - You can force your Bank to play Fair with you

3: Banking Conduct of Business Regulations - The Hidden Rules

4: BCOBS and Unfair Treatment - Common Examples of Banks Behaving Badly

5: Fair Treatment for Credit Card Holders and Borrowers - COBS

Advice & opinions given by citizenb are personal, are not endorsed by Consumer Action Group or Bank Action Group, and are offered informally, without prejudice & without liability. Your decisions and actions are your own, and should you be in any doubt, you are advised to seek the opinion of a qualified professional.

PLEASE DO NOT ASK ME TO GIVE ADVICE BY PM - IF YOU PROVIDE A LINK TO YOUR THREAD THEN I WILL BE HAPPY TO OFFER ADVICE THERE:D

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If you feel that they have failed to comply with their obligations in supplying the CCA, then you could send them this, edit to suit,

 

http://www.consumeractiongroup.co.uk/forum/showthread.php?387485-Letter-to-solicitors-threatening-legal-action-in-default-of-agreement-request-%28update-21.04.2014%29

 

Also bare in mind 'why' has it taken them this amount of time to try and reclaim money they say you owe?? Surely Shallowfax would have done it sooner rather than 5 years later??

It's been on the dca roundabout for years, been with cap quest for 18 months & after going through their complaints procedure & them saying they had satisfied my request , they passed it to fairfax.

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In that case you need to be raising complaints about each new DCA that it is passed to and the previous DCA who passed it on.

 

Each new DCA just needs a simple one line statement,

 

Dear Bill&Ben,

 

Thank you for your recent correspondence, the contents of which have been noted, I have also taken the liberty of

forwarding a copy of your correspondence to the FCA along with my complaint that your consumer credit licence be investigated when it come to renewing it.

 

This account has been in serious dispute with the original creditor since dd/mm/yyyy, you are strongly advised to return this account back to the OC, any further correspondence from yourselves, less for confirmation this matter is now closed, or any other debt collector you may choose to sell or pass it onto, will be reported as harassment.

 

I trust I have made made my position perfectly clear.

 

Regards.

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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getting back to basics

 

who are the current OWNERS of your account that Drydens are acting for? this needs to be clarified

 

in answer to your previous question Halifax is owned by Lloyds

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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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Sorry guys been offline for a while. Thanks for your replies. Crapquest are who drydens are acting on behalf of. Apparently I exhausted capquests complaints procedure after 18 months and then they passed it onto Drydens.

 

 

I wrote to drydens on the 13/9/14 basically saying acc is in dispute, should not have been passed on and that a reconstituted copy of a application form with missing prescribed terms and missing pages was not acceptable. I asked that I be allowed to view the original at their offices, I also at the same time made a formal request under CPUTR 2008 that they put in writing whether they actually do have the original.

 

 

I heard nothing back until today and got a standard response letter saying I must send the £1 fee anduntil the fee is recived they cannot action my request. Erm cheers Drydens, but you obviously don't read your mail properly, you seem to have missed the point, what about the cut & pasted together so called agreement, what about my formal request for you to put in writing whether an original agreement actually does exist for this account???!!!

 

 

Any ideas on a good response to their latest letter please?

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http://i392.photobucket.com/albums/pp8/julieh2/HalaifaxreconstitutedCCAfrontsid-2.jpg

http://i392.photobucket.com/albums/pp8/julieh2/ReconstitutedCCA.jpg

 

 

Also got a set of current terms & conditions.

 

 

The first page says page 4 of 8 and the second states page 3 of 8, so pasted back to front to make page 4 look like that came first. have never recieved the missing 6 pages?

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I was trying to find the dispute letter, because clearly this is...

 

Playing letter tennis is getting you nowhere, and is simply getting them excited thinking they have found a mug to fleece..

 

Have a look in the library up the top, and see if you can find the appropriate letter, in a nutshell, you simply want to tell them that what they have sent you in response to your request for the CCA does not satisfy the request, and as such you're not going to enter into any further correspondence, all correspondence sent by them, less for their confirmation that they have now closed their files, will be treated and reorted as harassment,

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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it would be useful if you could post up the initial letter that drydens sent you in post#1

 

was it if, buts and maybe, or was we will do such and such on a given date

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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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Thanks bazooka boo but tried the 'cca received does not satisfy request & will not enter into any further correspondence " letter with cap quest & dry dens but I am worried that if I don't reply again they will initiate court action.

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Absolutely no chance of anyone doing anything, seriously, if they really wanted the money then the bank would

have acted a lot sooner than 5+ years later.

 

Give a dog a bone and it will keep coming back, they are only harassing you now because you keep responding to

their puerile threat letters.

 

Ignore them, you have made you position perfectly clear, let them carry on willy waving..

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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Hi the oldrouge, Drydens first letter I received from them said "We refer to the above matter and note we have been unable to reach an arrangement with you. We have now received instructions to issue a claim against you in the county court to recover the sum outstanding. it is not too late to stop the claim being issued. Please call us on -------- or if you prefer write to us at the address below & we'll discuss an arrangement with you. if you do not contact us by 22nd Sept our instructions are to issue a claim.

 

 

Information about our Claim

Under the practice direction - Pre Action conduct we need to let you have information about the claim. You can access the Practice Direction at http://www.justice.gov.uk/courts/procedure-rules/civil/rules/pd_pre_action_conduct#DAVNA2

 

*The claimant will be Capquest Investments Ltd who owns the account. Their address is .........................

*The claim will be for the balance owing on the account

*We will tell the court you made an agreement with Lloyds Banking Group but failed to repay it as agreed, we will explain that your account was then sold to CapquestInvestments Ltd

*If necessary we'll show the court your credit agreement and statements to prove our claim

*You haven't told us of any dispute that you owe the balance of your account. If you dispute the claim we are willing to try to resolve the dispute without going to Court. we think the most suitable way to resolve any dispute is for us to discuss withyour representative.

*We think it is reasonable to ask you tolet us have a response by the 22/9/14. if you need longer please let us know.

*If you don't comply with the Practice Direction the Court can impose sanctions against you and this may increase your liability for costs

*You can make payments by a variety of means shown on the back of this letter

*If you want advice about this letter, you can contact a solicitor. there are also organisations that offer free advice and assistance, we have listed them on the back of this latter.

Please contact us as a matterof urgency to discuss your account".

 

 

I have contacted them and I believeI have a reasonable dispute that neither they nor Crapquest have answered. I have not received a response in wrting form them to my CPUTR 2008 request yet as to whether they have the original agreement.

 

 

I appreciate what you are saying Bazooka Boo but I want to push the fact that they nor Crapquest or any other DCA for that matter have responded to this request

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ok, imo their letter does fulfil the criteria for a letter before action and should not be ignored.

 

There is no requirement under cca1974 for them to respond to your request under CPUTR2008, they can just ignore it

 

but read into that stance what you will.

 

I would therefore suggest you reply with the letter as suggested in post#7 but adding "together with the statutory fee of £1" http://www.consumeractiongroup.co.uk/forum/showthread.php?387485-Letter-to-solicitors-threatening-legal-action-in-default-of-agreement-request-(update-21.04.2014

 

 

 

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Hi again theoldrouge and thank you for your reply, but if I send this letter all I will receive is the same copy of the cut & pasted together application form in post #14 as this is what Crapquest provided me with (and other DCA's as Im guessing its all that Halifax have) and that will fulfil their obligations under an s78 CCA request, they will then be able to pursue me & I'll be back to square one wont I?

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yes they most likely will. Then your option would be to await the issue of the claim,if issued, and defend

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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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Ok, but could I request that they send me the original and only the original under an s78 CCA request or is there an official letter that you know of that I could perhaps use instead?

 

No, they do not have to supply the actual original signed agreement under a s78 request

 

a true and accurate copy will suffice (see Carey v HSBC)

 

have a read of the current guidance from the FCA--

 

http://fshandbook.info/FS/html/FCA/CONC/13/1

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Another question sorry - if they were to try to enforce in Court would they need to produce the original agreement because its pre-2007. Sorry have been trying to read up about CCA's and came across this remark in another thread. Why does being a pre-2007 agreement make a difference? or am I totally barking up the wrong tree?

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s127(3) applies pre 6/4/2007. only

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