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    • Russia’s economy has been cut off from the global financial system - but it is still growing. Why?View the full article
    • Well done. Are you able to tell us more about how it went on the day please? HB
    • when mediation call they will ask the same 3 questions that are in their email you had to accept it going forward. simply state 'i do not have enough information from the claimant to make an informed decision upon mediation so i refuse. end of problem.  
    • Food prices, including a $40 chicken, has stoked fury and calls for big foreign supermarket chains to come to Canada.View the full article
    • Which Court have you received the claim from ? Civil National Business CEntre Name of the Claimant ? Lowell Portfolio i Ltd How many defendant's  joint or self ? Self   Date of issue –  15 Feb 2024 Particulars of Claim What is the claim for – the reason they have issued the claim?  The claim is for the sum of £922 due by the Defendant under and agreement regulated by the Consumer Credit Act 1974 for a Capital One account with an account reference of [number with 16 digits] The Defendant failed to maintain contractual payments required by the agreement and a Default Notice was served under s.87(1) of the Consumer Credit ACt 1974 which has not been complied with. The debt was legally assigned to the claimant on 16-06-23, notice of which has been given to the defendant. The claim includes statutory interest under S.69 of the County Courts Act 1984 at a rate of 8% per annum from the date of assignment to the date of the issue of these proceedings in the sum of £49.15 The Claimant claims the sum of £972 What is the total value of the claim? £1112 Have you received prior notice of a claim being issued pursuant to paragraph 3 of the PAPDC (Pre Action Protocol) ? I dont know the details of the PAPDC to know if it was pursuant to paragraph 3, but I did receive a Letter of Claim with a questionaire/form to fill. Have you changed your address since the time at which the debt referred to in the claim was allegedly incurred? No Is the claim for - a Bank Account (Overdraft) or credit card or loan or catalogue or mobile phone account? Credit Card When did you enter into the original agreement before or after April 2007 ? no Do you recall how you entered into the agreement...On line /In branch/By post ? Online Is the debt showing on your credit reference files (Experian/Equifax /Etc...) ? Yes Has the claim been issued by the original creditor or was the account assigned and it is the Debt purchaser who has issued the claim. Assigned/purchaser Were you aware the account had been assigned – did you receive a Notice of Assignment? I was aware, I'm not certain I received a 'Notice of Assignment' from Capital One but may have been informed the account had been sold without such a title on the letter? Did you receive a Default Notice from the original creditor? Yes Have you been receiving statutory notices headed “Notice of Sums in Arrears”  or " Notice of Arrears "– at least once a year ? Not since the debt purchase, and not from Capital One. Why did you cease payments? I can't remember - it was the tail end of the pandemic and I may not have had enough income to keep up payments - I am self-employed and work in the event industry - at that time. I also had a bank account that didn't allow direct debits and may have just forgotten payments and became annoyed at fines for late payments. What was the date of your last payment? Appears to be 20/4/2022 Was there a dispute with the original creditor that remains unresolved? No Did you communicate any financial problems to the original creditor and make any attempt to enter into a debt management plan? No Here is my Defence: Defence - 1. 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 r 16.5 (3) in relation to any particular allegation to which a specific response has not been made. 2. Paragraph 1 is noted. I have in the past had an agreement with Capital One but do not recognise this specific account number or recollect any outstanding debt and have therefore requested clarification by way of a CPR 31.14 and section 78 request.. 3. Paragraph 2 is denied. I am unaware of having been served with a Default Notice pursuant to the Consumer Credit Act 1974. 4. Paragraph 3 is denied. I am unaware of any legal assignment or Notice of Assignment pursuant to the Law and Property Act 1925 Section 136(1) 5. The Defendant has sent a request by way of a section 78 pursuant to the Consumer Credit Act 1974, for a copy of the agreement, the Claimant has yet to comply and remains in default of said request. 6. A further request has been made via CPR 31.14 to the Claimants solicitor, requesting disclosure of documents on which the Claimant is basing their claim. The Claimant has not complied and to date nothing has been received. 7. It is therefore not accepted with regards to the Defendant owing any monies to the Claimant and the Claimant is put to strict proof to: a) show how the Defendant has entered into an agreement and; b) show how the Claimant has reached the amount claimed for and; c) show the nature of the breach and evidence by way of a Default Notice pursuant to sec 88 CCA1974 d) show how the Claimant has the legal right, either under statute or equity to issue a claim 8. As per Civil Procedure 16.5 it is expected that the claimants prove the allegation that the money is owed 9. On the alternative, as the Claimant is an assignee of a debt, it is denied that the Claimant has the right to lay a claim due to contraventions of section 136 of the Law of Property Act and section 82A of the Consumer Credit Act 1974 10. By reasons of the facts and matters set out above, it is denied that the Claimant is entitled to the relief claimed or any relief. .................. Please note that I had to write a defence quite quickly as I hit the deadline. At the time of writing the defence, I hadn't been able to find correspondence from Capital One, but had since found default letter etc. I submitted CCA request and CPR 31.14. However, I didn't get any proof of postage or use registered post for the CPR (an oversight) but did with the CCA request. I received a pack which included a letter from Overdales, going over the defence I'd filed, as well as letters of Lowells and reprints of letters from Capital One. But I have no idea if this pack is in response to the CCA request or the CPR ! I would have expected two separate responses ... although I do know they are both the same company. Looking over the pack today, and looking through old emails .. I find some discrepancies in the Capital One default letters (notice of default and Claim of default). They are both dated *before* an email I have stating that a default can be avoided. The one single page of agreement sent (so not the full agreement) has a 16 digit number at the top in small print, next to 'Capital One' which corresponds to a number called 'PURN' printed at the top of each of the 10 pages of ins and outs of the account (they're not official statements, but a list of monthly goings) yet no mention anywhere on either of the account number. I cant really scan them at the moment - I can later tomorrow, but that will be after the mediation call I'm sure. I guess I may be on my own for this mediation ... I am not certain the CCA request has been satisfied .. or if the CPR has been . And then I appear to have evidence that the Default notices provided are fabricated ? Yet, I do have (elsewhere ... not at home) Default letters from Capital One I can check ..
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      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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      OT APPROVED, 365MC637, FAROOQ, EVRi, 12.07.23 (BRENT) - J v4.pdf
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I don't know either Ford, im hoping CD, King12345, or Alf Garnett might pop in and tell us? ......I think they are out stocking up on bricks to build this wall, so they can keep the foreigners out!

 

We have this covered though with the new airport runway. ;)

:)

i did ask them, but noone replied with anything of substance. similar to the conceding punch and judy :)

 

ps, hasnt the govt promised Nissan free eu trade, in return for its commitment? how wld that work without free movement?

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High Court ruling that Parliament must be consulted before article 50 can be triggered by government. But it has not said that it must be an act of Parliament and it will now be up to the Supreme Court to review the constituitional position.

 

I can't see that government can use Royal prorogative to sideline Parliament and therefore make their Brexit process unlawful. I cannot understand why any government wanting to make a massive change like Brexit, would not go through a full Parliamentary process and therefore reduce risk of further court challenges later on.

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Well I don't suppose we really expected any real clarity today as it was obvious that the losing side would appeal to the supreme court.

 

 

I am really not sure if its just me but it seems to me that there is being a slow move away from the rhetoric of hard brexit and more about possibilities of a successful negotiation on free trade which I think will involve free movement as well

 

There also seems to be stories of long years of uncertainty and volatility but it seems to me that all my politically aware life we have struggled from one crisis to another. The one thing we can be sure of is that the rich will still be richer and the poor will still be poorer- until of course the glorious day when I will deport all the Brexiters to mainland Europe :-)

Any opinion I give is from personal experience .

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I think this is going to cause a major uproar. It seems that Parliament is going to be given the vote (unless a challenge succeeds) on Brexit but the majority of MPs are backing remain.

 

MPs are elected to be the peoples representative in Parliament and for those members who were voted in by the voters who now want to leave the EU will cause these MPs problems.

 

I cannot see any Parliament surviving if they vote to remain as this would be in opposition to the people who put them there in the first place.

 

What a mess!

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House of commons and Lords would vote to accept article 50, but there might be conditions attached to this regarding Parliaments role in Brexit process.

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It is a mess

 

But

We vote people in to represent us not to do as we tell them, well that is how it works

An example, supposedly the majority or people, well certainly the majority of daily wail readers support capital punishment but we do not punish our MP's for voting against it, time and time again.

 

I still believe however, that if faced with the myriad of possibilities available ranging from hard to soft to remain, the only consensus is actually to remain- the divisions amongst leavers are great , some voted as a protest, some voted for a hard brexit, some thought as Boris suggested that the EU would roll over and we could renegotiate, some wanted a Norway style deal and some voted because they are racists who though that the streets would suddenly turn white and speak English. Those sorts of opinions must be challenged with logical and coherent arguments .

 

I am also convinced that if the referendum was held today the outcome would be significantly different

Any opinion I give is from personal experience .

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Perhaps all referendums should be best of 3 votes held over 12 months ensuring debate exhausted ? 😈

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yep, as expected. the prerogative is archaic imo.

imo though, even if the SC upholds the HC decision, i suspect that parliament may still vote through an Art 50 trigger. but, it then wld need to be voted on again (or subject to) re what type of exit (ie the resulting agreement). and then all the statutory legislation that wld be required to repeal/amend etc wld require the parl process.

the same applying if the SC says can use the prerogative. ie still a vote on type of exit, and the normal statutory process that wld be required re legislation.

some serious matters all round, for thought. :)

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It is a mess

 

But

We vote people in to represent us not to do as we tell them, well that is how it works

An example, supposedly the majority or people, well certainly the majority of daily wail readers support capital punishment but we do not punish our MP's for voting against it, time and time again.

 

I still believe however, that if faced with the myriad of possibilities available ranging from hard to soft to remain, the only consensus is actually to remain- the divisions amongst leavers are great , some voted as a protest, some voted for a hard brexit, some thought as Boris suggested that the EU would roll over and we could renegotiate, some wanted a Norway style deal and some voted because they are racists who though that the streets would suddenly turn white and speak English. Those sorts of opinions must be challenged with logical and coherent arguments .

 

 

 

I am also convinced that if the referendum was held today the outcome would be significantly different

 

Depends on your definition of significantly fletch.

 

Simple fact is that almost all the polls/questionnaires said there were two main drivers

Immigration (the biggest issue by a long way)

UK law/parliament sovereignty - or more properly opinions on claimed 'Brussels imposed laws' (a poor but significant second)

 

From these polls etc and personal experience talking to many people who voted either way,

many of those who voted remain did this DESPITE issues on immigration.

 

So it seems clear to me that

The majority who voted - voted leave

Many who voted remain, still believed something needed tio be done about immigration (and I agree despite voting remain)

 

So the only options open to a legitimate government in my opinion is either:

 

Another referendum (possibly more than one with specific questions depending on the results of prior referendums to get the peoples clear desires) - HOW unlikely is that despite millions (on both sides) now undoubtedly believing they were deceived?

(How many can now realistically believe ANY of the major players wanted the truth out pre vote - or would honestly report the issues in any new referendum)

 

or

 

Brexit with full blown immigration controls and UK law preeminence

eg an Australian type system - whatever the impact to EU market availability AS VOTED FOR

If they dont impose this option, whatever the cost to EU market availability, then the government is not only failing those who voted remain,

they would also be failing everyone who voted leave to get control of the UK borders back.

 

 

 

 

 

As a relevant aside - Worst of all, what if the UK government negotiates premium access to the EU for 'the city's' international bankers (many of whom pay damn all UK tax as previously demonstrated and linked here) as Cameron did, at UK taxpayers expense, with all the risks remaining with the UK taxpayer (aka bailing out another financial collapse) while everyone else (those UK taxpayers and UK tax paying businesses) get tarrifs for EU market access, pay more for holidays and imports etc etc etc.

 

 

Camerons special deals for the city

"The ability for the UK to enact "an emergency safeguard" to protect the City of London"

A watered down report

https://www.ft.com/content/f6928492-7e4a-11e5-98fb-5a6d4728f74e

 

If you are really interested - then look up for yourself what would be given away to gain that - and who would benefit (the city) and who would see the reciprocated downside

The Tory Legacy

Record high: Taxes, Immigration, Excrement in waterways, energy company/crony profits

Crumbling: Hospitals, Schools, council services, businesses and roads

 

If only the Govt had thrown a protective ring around care homes

with the same gusto they do around their crooked MPs

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If you read the Bill of Rights of 1689 and Blackstones Commentaries on English Jurisprudence you will see that the rule of law in this country is a compact between the sovereign, parliament and the people. As parliament offered a referenduum to the people and they voted in a certain way then the executive who govern in the name of the sovereign can make the necessary commitments without further recourse to parliament.

 

This idea of the sovereignty of parliament is to prevent the monarch abusing executive powers as all monarchs did up until William III, not to prevent the people directly deciding on their future. Likewise the divisions of the army and navy would prevent parliament exceeding its authority and all powers could be exercised to prevent revolution overthrowing either the crown or parliament. This was understood and necessary up until Victorian times, when reforms made revolution very unlikely and we seemed to have forgotten our place (esp parliament)

.

There used to be a punishment for judges that ignored the law when making their decisions ( they didnt have to obey it, just consider it) but Tony Blair repealed that sanction when he abolished the Treason Act to protect his own neck for abusing his executive authority.

 

So, will the supreme court look at things differently to the High Court? There are no specialists in constitutional law in this country who sit on the bench and havent been for many years. Very few are involved in criminal law before becoming judges and the majority are commercial law specialists. This doesnt make them unfit to decide but does point to how similar their thinking is.

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Eric's brother: I haven't read through the posts but understand that the referendum was only every advisory and consultative.

http://www.newstatesman.com/politics/uk/2016/11/article-50-ruling-eu-referendum-was-only-ever-advisory

Personally, as a Remainer, I believe that just because we've already bought the pills for the overdose doesn't mean we have to take them.

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Whatever the ins and outs of these LAWS

It is for the judiciary to interpret the LAW,

and parliament is not, and should not be above that LAW it has itself created and/or ratified.

 

https://en.wikipedia.org/wiki/Separation_of_powers_in_the_United_Kingdom

 

Would anyone want to give ANY political party the right to apply their own chosen interpretation of ANY law according to their (politicians) personal leanings? Let alone any single or small group of politicians?

 

It would make a mockery of the parliamentary processes involved in creating legislation, which may not be perfect, but is a darn sight better that people like IDS and Boris being the word of the law.

 

I'm Judge Boris Dread/Judge Maggie Dread/Judge Theresa Dread

or God forbid, worst of all - Judge Jeremy Dread and I am the law ....

Certainly inspires dread in me.

 

 

 

Most UK Brexit and remain campaigners actually said all along and continue to state that Brexit and limiting immigration (one of the EU's fundamental freedoms) means loosing existing access to the single market (actually including Boris) - as also continues to be said by the EU leadership.

 

Anyone who claimed (let alone continues to claim) we could and can have everything we want for whatever we choose to offer/nothing, seems to be either incompetently clueless and deluded OR lying.

The Tory Legacy

Record high: Taxes, Immigration, Excrement in waterways, energy company/crony profits

Crumbling: Hospitals, Schools, council services, businesses and roads

 

If only the Govt had thrown a protective ring around care homes

with the same gusto they do around their crooked MPs

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An advisory referendum cannot circumvent normal legal and democratic procedures. The Government has an opportunity to reflect, and argue its case in the Palace of Westminster, which is only right for a country that is a Parliamentary democracy. What is so terribly disappointing is the resigned acceptance by many of the binding nature of this referendum even though it is “advisory”. Over and over again we hear the refrain “but we have to accept it”

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An advisory referendum cannot circumvent normal legal and democratic procedures. The Government has an opportunity to reflect, and argue its case in the Palace of Westminster, which is only right for a country that is a Parliamentary democracy. What is so terribly disappointing is the resigned acceptance by many of the binding nature of this referendum even though it is “advisory”. Over and over again we hear the refrain “but we have to accept it”

 

 

:-)

As nothing to the furor that will occur if/when a majority in parliament vote down any unsavory (Boons for Bankers) Brexit proposals as their constituents representatives.

- What May was and still is looking to avoid.

 

They will of course vote via their personal interpretation of their constituents desires ......

 

Reaping the whirlwind

Like Syria - there is no good ending to this in sight and loads of treacherous and deceitful infighting yet to come.

The Tory Legacy

Record high: Taxes, Immigration, Excrement in waterways, energy company/crony profits

Crumbling: Hospitals, Schools, council services, businesses and roads

 

If only the Govt had thrown a protective ring around care homes

with the same gusto they do around their crooked MPs

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:-)

 

 

They will of course vote via their personal interpretation of their constituents desires ......

 

.

i think one mp has already publicly said something like that, despite himself voting exit in the ref, and was hinting at voting no trigger.

 

yeah, the enabling legis'n for the ref didnt make its result 'binding' (which it prob cld have done so if so desired at the time (whether though it wld've gone through as such?). makes sense, do the ref, see what it says, then let P decide in consideration?

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The Tories want to get Brexit done by Summer 2019, because the next election is due in June 2020. I don't see why the process of gaining a divorce after 40 years of marriage should be done to suit an election timetable. This could mean that the Brexit process is rushed and the UK ends up with a hard Brexit with WTO rules applying, custom borders put up (including Ireland/N.Ireland) and jobs under threat because of companies looking to move production to EU mainland.

 

It is not possible for any government to negotiate any deal with the EU in private, as details will be leaked. You will have a huge number of people involved in the negotiations with ministers/officials of 27 countries kept informed. As informations gets leaked, you will then have media reports and questions in Parliament, which would turn it into a complete mess. Not to mention the effect on the financial markets. Better to have an open debate with UK Parliament fully involved, so the government can avoid the problems mentioned.

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We could look at it this way, we knew mainly what our MPs views were on the EU before we voted them in last year and therefore it would be reasonable if they voted the same way, come a Parliamentary vote.

 

There is of course the possibility that some may vote tactically I.e SNP members voting for Brexit if they thought it could help independence.

 

I do have one question for those that shriek about loss of democracy ,even in 2014 a you gov poll suggested that capital punishment was still favoured by a majority who expressed a preference however the fact that MPs have repeatedly voted to keep the ban has not been some democratic crisis.

Any opinion I give is from personal experience .

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the bill of rights is also archaic, and is not a constitution in the modern sense. hence why there are calls for a proper written codified constitution rather than the 'compact' and unwritten as you say. unwritten has its advantages, for eg in that it can readily be amended to reflect society of the day. but, it has been moving that way (re codification). imo, the archaic prerogative is a get out clause for when the govt of the day wants to do something that the house wont (or may not) agree with.

they cld've made the ref result binding, but they didn't, or cldn't. therefore, it is left (open) for P to decide on it with question.

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