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    • the 5.1 is better for that solo from jeff   if you go that way again get pictures of all the signs inc the small print where they are  and the machine ones. and the view from the public road 
    • Hi dx100uk,    OK will do, I'll wait for that possible stage to come and keep this updated when I can.   I didn't buy a parking ticket.   Kal   ...       Way off topic but I love your profile pic, gonna listen now and allow Jeff Beck to send shivers down my spine in his epic WGW P3 solo ✌️    
    • Apologies, misunderstanding on my part. I was thinking of a shop called Cotswold. Please ignore me.   HB
    • 1st Draft - reviewed several statements    I was a bit unsure about adding more about the section 78, although they took a very long time the did provide the CCA - any help appreciated    In The *******County Court Claim No. ********* Between **********Claimant and *************** Defendant     I am the defendant in this case and make this Witness statement in support of my defence in this claim. The matters set out below are within my own knowledge, except where I indicate to the contrary.   1. It is my understanding that the claimant is an Assignee, a buyer of defunct disputed or bad debts, which are bought on mass portfolios at a much reduced cost to the amount claimed ...10p to 15p in the £1 and which the original creditors have already written off as a capital loss and claimed against taxable income. Idem Capital securities issue claims to circumvent and claim the full amount of debt to maximise profit.    2. As an assignee or creditor as defined in section 189 of the CCA this applies to this new requirement on assignment of rights. This means that when an assignee purchase’s debts (or otherwise acquires rights under a credit agreement) it also acquires certain obligations to the borrower including the duty to comply with CCA requirements (such as the rules on statements and notices and other post-contractual information). The assignee becomes the creditor under the agreement. This ensures that essential consumer protections under the CCA cannot be circumvented by assigning the debt to a third party.   3. It is accepted that I have in the past had financial dealings with HBOS. That being a Credit card Agreement.   4. After seeking advice this led me to check all paperwork I held with creditors, from this I could not find any Credit Agreement relating to the account the claimant is referring to.   6. I therefore sought clarification and requested copies of the agreements from the claimant by way of a section 78 request for the alleged amount.    7. A Letter before claim pursuant to Pre Action Protocol was issued by the claimant 06/09/2019. I made a request for the following documents:   ·         A copy of the Default Notice ·         A copy of the Notice of assignment ·         A complete set of statements detailing exactly how the debt has accrued detailing ·         All transactions ·        Any additional charges applied since the account was terminated ·         A statement  of all payments received.   The claimant to date has failed to comply completely with my request and has not provided me with the required Default Notice.      8 .On the 13/11/19 the claimant issued a claim form through the county court business centre. On receipt of the claim form I made a CPR 31.14 request.    9. A CPR 31.14 request was sent 25/11/2019 via Royal Mail signed for and shows as received 27/11/19. A Request for the following documents was made:   ·            Default Notice ·            Full statement of account     The claimant to date has failed to comply and disclose the default notice.   Conclusion   To date no Default Notice has been produced.    The claimant has still yet to comply with my CPR 31.14 request with regard to clarity of any valid default notice issued, as yet I have never received an original or seen a copy of a valid default notice from the claimant.   Arbitration confirmed that the claimant could not produce the Default notice document    Therefore for the above reasons the claim bought by the claimant is without merit and an abuse of the court process. It would be far more gracious and forthright for the claimant to admit that they do not have possession of the correct valid paperwork and this is an attempt to convince the court that the claimant can disclose the legal valid documents on which its claim relies on.   Until such time the claimant can comply and disclose a Default Notice they are not entitled while the default continues, to enforce the agreement pursuant to section 87 (1) of the Credit Consumer Act 1974.    I **********, the defendant, believe that the facts stated in the witness statement are true.     Signed…………………………. Dated……………………………
    • time for an sar first make sure you read all the posts in the sar link too.   dx  
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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.
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He's doing well in the polls someone pulls out an incident from over ten years ago to discredit him, why wasn't this bought up at the time ?..

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history states when people have money/prestige = then it only cost them a little to get an illimination! think about it happens to-day in many a country to rid of a so called trouble maker =the real world.


:mad2::-x:jaw::sad:

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He's doing well in the polls someone pulls out an incident from over ten years ago to discredit him, why wasn't this bought up at the time ?..

 

Trump has been a very powerful businessman in the US for at least the last 20 years. He is a nuclear powered ego and uses his surname as his brand.

 

Yes Trump has many enemies and of course they have been saving up these recordings for years.

 

But no one forced Trump to say horrible things. He was taking part in a media event at the time and should have been aware that he might be recorded. If you are sensible you don't say stupid things.

 

Trump would be a disaster and very embarrasing to America. He is not a politician and he is not as successful in business as he advertises. The businesses that he runs, have borrowed huge sums and if all loans were called in, it would be interesting if there was any money left.


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The question Trump should answer is, if he had a candidate on the US Apprentice show who claimed that Women found them so irresistable that if he kissed them, they would let him grab their private parts, would they still be part of the show.

 

The answer is, of course they would be kicked off the show. Does not matter if this was said 10 years ago, as it was not appropriate then.


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Trouble is, why wait for time to past before bringing it out and the Clinton lot are not perfect either, it's all political scoring in my opinion..

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Trouble is, why wait for time to past before bringing it out and the Clinton lot are not perfect either, it's all political scoring in my opinion..

 

Don't get involved in politics, if you have many issues which will come out to cause problems.

 

Trump has more issues than Clinton, even if you did not like Clintons politics.


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Trump?????????????// no disrespect to Monty Python but a duplicate in many respects LOL


:mad2::-x:jaw::sad:

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We need Trump here so we can build our own wall..

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We need Trump here so we can build our own wall..

 

You are spot on Consumer dude and it would be so much simpler to do here because the foundations are already in place, you can just build on the hard shoulder of the M25 and have the wall up in no time to stop Londoners getting out.

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We need Trump here so we can build our own wall..

Major Kong :wacko::)


IMO

:-):rant:

 

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Anything's got to be better then the loony liberals..

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Anything's got to be better then the loony liberals..

nothing liberal about not wanting to 'build a wall'. May wants a 'hard' exit. that shld satisfy the xenophobes, if it ends up parliamentary approved.

maybe the council tax that some dont like paying can help fund a wall. they might even employ EU citizens to build it to save money, then kick them out :)


IMO

:-):rant:

 

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Something has to be done with controlling borders, the idea that people can come and go without knowing who they are is insanity..

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Something has to be done with controlling borders, the idea that people can come and go without knowing who they are is insanity..

the uk is not subject to the borderless agreement re eu citizens! ie there is border control.

as for non eu, the uk has no more of a quota than similar countries such as germany, france etc.

and, the more intervention (whether warranted or not) in the likes of iraq, libya, syria etc, which displaces thousands, without an effective after plan re security there. then the more the legitimate migrants/asylum seekers from such countries. nothing to do with 'building a wall'.

the 'insanity' is the naivety. :)


IMO

:-):rant:

 

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What is meant by border control, didn't think EU residents had to show a passport when travelling within Europe ?..

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.., didn't think EU residents had to show a passport when travelling within Europe ?..

look up the Schengen agreement. come on Major dude, you shld know about that :)


IMO

:-):rant:

 

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I thought I knew it but I'm getting confused, it just seems any one can get here now..

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I thought I knew it but I'm getting confused, it just seems any one can get here now..

you do know Major.... :)


IMO

:-):rant:

 

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This is Major Dude to Ford control, take your protein pills and put your helmet on, this is Major Dude to Ford control.:lol:..

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I didn't like his stalky walky round HC on the stage. A try at intimidation. Daft apath.

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This is Major Dude to Ford control, take your protein pills and put your helmet on, this is Major Dude to Ford control.:lol:..

:)

'Ground Control to Major Kong.......commencing countdown, engines on.....'


IMO

:-):rant:

 

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I see the ukip is without a leader. Should the Donald lose badly as it looks likely, he's always welcome on our shores. A clown is always welcome, now that the Chuckle Brothers are getting a bit old.


"Ask not what your country can do for you, ask what you can do for Poundland"

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Anything's got to be better then the loony liberals..

 

Translated into English, a loony liberal is anybody who has ever read a book.


"Ask not what your country can do for you, ask what you can do for Poundland"

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Trump has been a very powerful businessman in the US for at least the last 20 years. He is a nuclear powered ego and uses his surname as his brand.

 

Yes Trump has many enemies and of course they have been saving up these recordings for years.

 

But no one forced Trump to say horrible things. He was taking part in a media event at the time and should have been aware that he might be recorded. If you are sensible you don't say stupid things.

 

Trump would be a disaster and very embarrasing to America. He is not a politician and he is not as successful in business as he advertises. The businesses that he runs, have borrowed huge sums and if all loans were called in, it would be interesting if there was any money left.

 

Trump said was many men say in the pub commenting about women. Hillary Clinton used this scandal, but her own husband is notorious adulterer (we don't know about unreported affairs of his although they apparently existed). Trump brought something new, Clinton, being in the politics game for so long, knows exactly how to pull the strings. Trump actually never said that he is against immigration, he said he is against illegal immigration and we all should really be. At the end of the day, American people will decide.

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