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    • Last one for the night, do I send the Statue Barred letter recorded to the PO Box address on Overdales correspondence or to this address 2a, 606 Business Park, Staithgate Lane, Bradford, West Yorkshire, England, BD6 1YA for Overdales?  I found the second one on the Gov.uk company search engine. Thanks PM
    • Hi. Many thanks for your continued help. I will follow the advice and not get involved with phone calls, email only. The house was repossessed by the mortgage company Southern Pacific not Central Trust, but they did try some years earlier. They seemed to be taking it in turns at one point. I don't remember saying the debt had been sold to them or anyone else, as far as I am aware the house covered the mortgage, I have never heard from them. I just don't understand the figures or the terminology they used to explain the costs, find it baffling and far from clear.
    • Merged witness and draft defence, deleting some paragraphs.. still too long?   1. I understand that the Claimant obtained a Default Judgment against me as the Defendant on 10 November 2021. However, the claim had not been served at my current address. Therefore, I was not aware of the County Court Judgment until I received a notification that it had been entered on my credit report. 2. On learning of the County Court Judgement on 15 November 2021, I immediately contacted County Court Business Centre to find out details of the Default Judgment. It was only at this point that I discovered that Capquest Investments Limited was the Claimant and that the judgment was regarding monies owed on an alleged credit agreement. On 17 November I received a copy of the judgment from the County Court Business Centre by Email. 3. I now know that the judgment was served at an old address (xxx). However, I moved to a new address on 8 January 2021 with my tenancy at the old address ending 5 February 2021. In support of this I can provide confirmation of two (2) Council Tax bills for my current address (xx) and previous address. See [EVIDENCE A and B] 4. On 12 September 2018, the Claimant wrote to the Defendant clearly stating that following a request from the Defendant for a copy of the signed Consumer Credit Agreement with the original creditor, that one did not exist. I had no reason to believe this situation has changed to date and, the Claimant having already written to my new address reporting of default sums notice under the the Consumer Credit Act 1974 did, purposefully, use an old address to gain a Default Judgement. See [EVIDENCE C] 5. I suggest the Claimant did not make reasonable enquiries as to my current address before pursuing the court order especially considering they had good reason to believe they did not hold my current contact details. As stated in the Civil Procedure Rules CPR 6.9(3) where a Claimant has reason to believe that the address of the Defendant referred is an address at which the Defendant no longer resides or carries on business, the Claimant must take reasonable steps to ascertain the address of the Defendant’s current residence or place of business. At the time of the County Court Judgment, my credit file showed my current address so I was there to be found by a simple trace. See [EVIDENCE D]. 6. The Claimant sent a letter dated 27 October 2021 to my current address which I received on 9 November 2021. This equates to only twelve (12) working days between the Claimant filing the claim and producing this letter. I must question why the Claimant would use two different addresses in such a short space of time if there was any doubt I no longer resided at the address they had on record. See [EVIDENCE E]. 7. On the basis provided above I would suggest that the Claimant did not fulfil their duty to use the Defendant’s current address when bringing the claim. 8. Considering the above, I as the Defendant was unable to defend this claim properly. I thus believe that the Default Judgement against me was issued incorrectly and thus should be set aside. 9. The Defendant contends that the particulars of claim are vague and generic in nature. The Defendant accordingly sets out its case below and relies on CPR 16.5 (3) in relation to any particular allegation to which a specific response has not been made. 10. Paragraph 1 is noted. I have had an agreement in the past with Shop Direct Finance Company Limited but I do not recognise the account number referred to by the Claimant.  11. Paragraph 2 is noted but not admitted. The Claimant would not be aware of any alleged breach or in a position to plead such fact as an assignee as the Defendant did not enter into any agreement with the Claimant and is therefore put to strict proof to verify the alleged statement of its particulars. 12. Paragraph 3 is denied. I am unaware of any legal assignment or Notice of Assignment allegedly served.
    • Evening dx will do, can I just ask what WHY is or have I just read it wrong?
    • So Xbox support came back to me with the expected decline of my request for the refund.  They cited the fact that the purchase occurred more than 14 days ago which goes against their refund policy.  So I've now had three refusals to refund for two different reasons.   I think I now need to show them we are serious and send them something more formal.  Would this be a letter of claim or is there anther step before that?   I've also been trying to figure out where to send any further correspondence as at present its all been done their online messaging platform, which doesn't feel formal enough...    
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What would you say if you were spied on by a drone


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I can see drones falling foul of this at some point

 

"Article 8 of the European Convention on Human Rights provides a right to respect for one's "private and family life, his home and his correspondence", subject to certain restrictions that are "in accordance with law" and "necessary in a democratic society""

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The SabreSheep, All information is offered on good faith and based on mine and others experiences. I am not a qualified legal professional and you should always seek legal advice if you are unsure of your position.

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It is when they start selling drones cheaply in shops that there will be a bigger problem. The ones that take cameras are fairly expensive at the moment. Not seen one locally being used.

 

Government may want to look at some form of licensing to put many people from buying and to control their usage.

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There already is legislation.

 

I fly Radio controlled combustion engine helicopters, and have dabbled in solid fuel Rockets for which i need a licence and insurance.

 

Sabresheep raises a good point as Google Earth came into conflict with their cameras on top of those smart cars with Article 8.

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I have one. Around £900 - £1000 spent on it so far, Has live video feeds as well as a GoPro recording HD footage.

 

As long as you have permission from the landowner where the "drone" was taken off from, and you stay 150m away from buildings or people, then you can fly one. You can film in public just the same as anyone else with a camera phone. If one films you in public, then there is nothing you can do about it.

 

Although you are suppose to tell people that it is filming and for what reason, I don't think that is law.

 

I've flown it at a few public parks and never had any complaints.

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You can only film in the public domain. (Street, park etc) That does not mean looking into peoples back gardens or windows intentionally or unintentionally. Article 8 ECHR is the law on this matter as no Derogation exist. You also cannot fly above a certain height. (400) Even with the land owners permission you still need a licence, the same as fishing through the BMFA and insurance. Any reputable model aircraft hobbyist belongs to a registered club

 

It is covered under Article 166 Civil Aviation Act.

 

The operation of multirotors for sport and recreational purposes is covered by the same legal considerations as other model aircraft; the law makes no specific distinction on types of aircraft other than weight limits.

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Yes, you can't film into peoples gardens or through windows, but you can film in public.

 

400ft / 120m is the height limit. The limit from buildings and people is actually 50m, not 150m as I had mentioned above.

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I have one too and trust me that even with HD footage, if the angle of view of the camera is over 90deg then the operator can't see you, you are a speck on his screen. FPV flight is about the immersive experience not snooping on neighbours sunbathing.

 

You can be seen with a telephoto lens but using one makes the footage very shaky (i.e: useless) even with a gimbal.

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It is when they start selling drones cheaply in shops that there will be a bigger problem. The ones that take cameras are fairly expensive at the moment. Not seen one locally being used.

 

Government may want to look at some form of licensing to put many people from buying and to control their usage.

 

What about when someone straps some explosive and sends it over some sensitive target.

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Now this is getting ridiculous,

 

What next

 

Ban Model Aircraft enthusiast because of Daily Mail rhetoric of what might happen??

 

Message to all, despite what the Daily Mail and their followers would have us believe

 

There are no Terrorists or Paedophiles hiding under every bed

 

We will be scared of our own shadow next or do you advocate "Night Watch"

 

 

 

Who next in line to be the new Joseph McCarthy???

 

 

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Now this is getting ridiculous,

 

What next

 

Ban Model Aircraft enthusiast because of Daily Mail rhetoric of what might happen??

 

Message to all, despite what the Daily Mail and their followers would have us believe

 

There are no Terrorists or Paedophiles hiding under every bed

 

We will be scared of our own shadow next or do you advocate "Night Watch"

 

 

 

Who next in line to be the new Joseph McCarthy???

 

 

 

So you actually believed that hoax front page, well I suppose someone had to ;)

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