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    • The letter states this. Whilst it will be a claim for what my insurers have paid out, legally the claim has to be in my name? as i was the owner of the vehicle. why cant Axa just take the other insurance company/other party to court. A van hit my van on a single track, the other party was going too fast and couldnt stop in time, my insurance company said right away 50/50, lose your NCB and insurance goes up.
    • Here’s the agreement I got sent by Halifax’s with the SARs would link have what they need if Halifax send them this ? 2020-08-15 15.10.24 (Merged) copy-1 copy.pdf
    • Hi,   I've been summoned into court next month for getting caught using my younger sisters oyster card. But they also analysed her card and saw that ive used it 149 times other than that. I'm only being chargerd with the one offence and am having to pay fines and i can chose to plead guilty or not guilty.    HOWEVER the letter states "The schedule gives paticulars of 149 offences, which we suspect you of commiting but have not been charged with. If you pead guilty in person an are found guilty of any offences with which you have been charged you can, before any sentence is passed, admit all or any of the matters in the attatched schedule and ask the court to take them into considerations. This in turn will result in not being subsequenly charged with any of these matters"   I have heard that you can write a letter to try to settle out of court but who do i send the letter to as there is no contact on the summons letter?
    • Very is crap IMHO. CEO Email will get you a case handler to manage this.   sam.perkins@shopdirect.com
    • I purchased a Macbook pro from very.co.uk but after 2 weeks is stopped working completely, I talked to very.co.uk electrical support and they agreed it couldn't be fixed and asked me to return the item. I returned the item and very.co.uk refunded my cc.   However I then received a letter stating that I needed to remove the MacBook from my apple account so that the machine could be accessed by very.   I ignored this at first as I thought it was a mistake as they had refunded me. However then I received a bill from them, they had added the cost of the Macbook to my account credit account on very!   I removed the Macbook from my apple account as requested and messaged them via my account to tell them.   They have now asked for a screenshot of me removing the Macbook from my Apple account, how can I provide a screenshot of an action, one that I've already performed too?   I sent a screenshot of my current devices that are registered to my account, however I can see this running as I purchased a replacement Macbook from another store and it has the same name as the returned one, I am concerned as I have an outstanding balance on my account and am being asked for payment.   There appears to be no method of talking to anyone useful at very.co.uk or of getting anything resolved very easily, they do not appear to have a complaints phone number and only provide a couple of options for complaint subjects online 'Warranty complaint', 'PPI complaint', pr Insurance', I would have thought they were obliged to provide better access than that for customers?   Has anyone had experience of dealing with very.co.uk? what's the best way I can get this resolved?    Can they recharge me for a product that I have returned, and that is faulty?   What can I do if they refuse to accept the screenshot I supplied as proof that I have removed the machine from my Apple account?
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    • Hi,  
      I was in Sainsbury’s today and did scan and shop.
      I arrived in after a busy day at work and immediately got distracted by the clothes.
       
      I put a few things in my trolley and then did a shop.
      I paid and was about to get into my car when the security guard stopped me and asked me to come back in.
       
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      I know its unacceptable but I was distracted and Initially hadn’t really planned to use scan and shop.
       
      No excuse.
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      He looked at the CCTV and because I didn’t try to scan the items he was phoning the police.
       
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      The police said if I didn’t do the community order I would go to court and they would refer me to the PPS.
       
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      Thanks for reading 
      • 16 replies
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Well known case which argues the cause of action and limitations...this was an HP agreement that the cause of action to recover the unpaid balance did not start until the lender had served a termination letter or accepted the debtor’s repudiation of the agreement.


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Well known case which argues the cause of action and limitations...this was an HP agreement that the cause of action to recover the unpaid balance did not start until the lender had served a termination letter or accepted the debtor’s repudiation of the agreement.

 

Thankyou, would you know if a default notice was issued and the terms not carried out would this mean the agreement was terminated?

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Varies from default notice to default notice...creditor to creditor...some state that at the end of the prescribed 14 days allowance to rectify any breach...some do not mention termination at all.

Termination can be when the debt is assigned or when its litigated on......there is no definitive guideline..every debt and default and termination is different.

 

But termination is irrelevant with regards to limitations...cause of action/last payment/acknowledgement..is the key.


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Varies from default notice to default notice...creditor to creditor...some state that at the end of the prescribed 14 days allowance to rectify any breach...some do not mention termination at all.

Termination can be when the debt is assigned or when its litigated on......there is no definitive guideline..every debt and default and termination is different.

 

But termination is irrelevant with regards to limitations...cause of action/last payment/acknowledgement..is the key.

 

Thanks Andy, I agree, I also thought cause of action/last payment/acknowledgement meant the debt was SB (that would be in 2007) but from today's hearing the Judge's interpretation was that if the agreement wasn't terminated before the balloon payment became due then the whole debt was not SB.

But at the first hearing last July that Judge said the first part of the debt WAS SB, I'm sure he even said there is no question about that, but the final payment might not be as that was due in 2010.

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Thanks Andy, I agree, I also thought cause of action/last payment/acknowledgement meant the debt was SB (that would be in 2007) but from today's hearing the Judge's interpretation was that if the agreement wasn't terminated before the balloon payment became due then the whole debt was not SB.

But at the first hearing last July that Judge said the first part of the debt WAS SB, I'm sure he even said there is no question about that, but the final payment might not be as that was due in 2010.

 

Sounds plausible...but how can you have an agreement that's part terminated/statute barred and part that's not ? unless the balloon is a separate entity/agreement altogether....(which I would find very hard to accept)


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Sounds plausible...but how can you have an agreement that's part terminated/statute barred and part that's not ? unless the balloon is a separate entity/agreement altogether....(which I would find very hard to accept)

 

I totally agree,

I thought it odd and said to the Judge, I thought the 'agreement' covered all payments (monthly installments and the final payment)

 

 

so this would mean that the whole debt was SB as the last payment/acknowledgement was made in 2007?

but he said it did not and that the final payment was a separate 'debt' to the installments.

 

Just to add my agreement does say

1 payment of x followed by 47 payments of x

then 1 final payment of x.

So to me that would be the same agreement.

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Precisely


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I think you need to read the finance contract carefully. The balloon payment could be separate, as after paying monthly for a relevant period, there could have been an option to hand back the car or make the balloon payment.

 

You really need all of the paperwork to see what went on. The finance company should have written to you ahead of the balloon payment to ask what you wanted to do.


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