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    • if the agreement was taken out jan 23, then she has not reached the 1/3rd mark so the car has not become protected goods under the consumer credit act.  this puts her in a very very vulnerable position regarding ever keeping the car....whereby once they have issued a default notice they can legally send a guy with a flatbed (though they are NOT BAILIFFS and have ZERO legal powers) to collect the car.  if the car is kept on the public highway then they can simply take it away and she will legally owe the whole stated amount on the agreement AND lose the car. if it's on private property i'e like a driveway, ok they shouldn't take it without her agreeing, but if they do, it's not really on but its better than a court case and an inevitable loss with the granting a return of goods order. are these 'health reasons' likely to resolve themselves in the very short term (like a couple of months?) and can she immediately begin working again ? i'e has she got a job or would have to find one?  answer the above and we'll try and help. but she looks to be between rock and a hard place . whatever happens she will still have to pay the loan off...car or no car....unless you can appeal to the finance company's better nature using health reasons to back off for xxx months.
    • no need to use it. it doubles the size of the thread and makes it very diff to find replies on small screens too. just like @username it - sends unnecessary alerts to people. everyone that's posted on your thread already inc you ...gets an automatic email alert when someone else posts.
    • Hello all,   I ordered a laptop online about 16 months ago. The laptop was faulty and I was supposed to send it back within guarantee but didn't for various reasons. I contacted the company a few months later and they said they will still fix it for me free of charge but I'd have to pay to send it to them and they will pay to send it back to me. The parcel arrived there fine. Company had fixed it and they sent it via dpd. I was working in the office so I asked my neighbours who would be in, as there's been a history of parcel thefts on our street. I had 2 neighbours who offered but when I went to update delivery instructions, their door number wasn't on the drop down despite sharing the same post code.  I then selected a neighbour who I thought would likely be in and also selected other in the safe place selection and put the number of the neighbour who I knew would definitely be in and they left my parcel outside and the parcel was stolen. DPD didn't want to deal with me and said I need to speak to the retailer. The retailer said DPD have special instructions from them not to leave a parcel outside unless specified by a customer. The retailer then said they could see my instructions said leave in a safe space but I have no porch. My front door just opens onto the road and the driver made no attempt to conceal it.  Anyway, I would like to know if I have rights here because the delivery wasn't for an item that I just bought. It was initially delivered but stopped working within the warranty period and they agreed to fix it for free.  Appreciate your help 🙏🏼   Thanks!
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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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Arrow/Blake Lapthorn Got Default CCJ - resident Abroad


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But this is already adjudged...not being discontinued but set a side...easy at the start of the claim.

 

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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You can only contest jurisdiction at the start of a claim

 

http://www.justice.gov.uk/courts/procedure-rules/civil/rules/part11

 

It is complicated but think it can be done depending on the op's circs

If you file an acknowledgment but do

not make an application within the

specified period, you will be taken to

have submitted to the jurisdiction. The

position if you make no response to the

claim form at all depends upon

whether or not you are domiciled in an

EU member state. If you are, the court

will have to satisfy itself that it has

jurisdiction over the claim before

entering default judgment against you,

if you are not, the court can proceed

directly to entering default judgment.

Once default judgment has been

entered it is too late to contest

jurisdiction (unless it can be shown

that service was never effected on

you).

If your application is successful, the

English court will grant an order

containing a declaration that the

English Court has no jurisdiction or

will not exercise its jurisdiction, and in

addition may also make orders: setting

aside the claim form; setting aside

service of the claim form; and staying

the proceedings.

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Mmmmm....

 

Once default judgment has been

entered it is too late to contest

jurisdiction (unless it can be shown

that service was never effected on

you).

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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Ok, so does all this mean that I now can't challenge the judgement or get set aside?

 

The fact that I am overseas and my mail is re-directed through a correspondence address

obviously implies that there will be delays in me receiving it.

 

 

I advised the solicitors of my UK correspondence address and they chose to serve the papers at "my last known address"

rather than the one I advised them of which eventually reached me very belatedly.

If I was being cynical I might think the solicitors did this knowing I would most likely not have time to respond.

 

No-one seems to have commented on the application form/agreement which the solicitors sent me

and presumably used to obtain judgement.

Does this comply with CCA 1974,

can I set aside and then defend on the basis of no legit paperwork??

 

I guess I could just let this rest,

forget about it and maybe make an offer a few years down the line if I felt so inclined?

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the CCJ trumps the agreement issues

if there are any

 

 

its not hurting you objectively

and cant really.

 

 

cant see any need to ever pay it either

 

 

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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the CCJ trumps the agreement issues

if there are any

 

 

its not hurting you objectively

and cant really.

 

 

cant see any need to ever pay it either

 

 

dx

 

Thanks for the quick reply dx, that sums it up quite succinctly - in a nutshell, now the CCJ is in force I'm stuffed but no need to worry about ever paying it.

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