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    • Defence submitted. On my clear score report there doesn't seem to be any date of default noted, nor can I see where that might appear. When they responded to my CCA and CPR requests they didn't give me a default date either. So, what happens now? Is it likely that I'll actually have to go to court over this?
    • Hi Andy, thanks for the reply. I guess I will need to get copies of the agreement to check that, which may take some time.   What do you suggest I should I do in the interim, as I'm conscious the clock is ticking on needing to AOS?
    • Hi everyone    ive had a card in an envelope hand delivered today from Resolvecall asking me to contact them urgently.   i want to ignore it but I’m not sure that’s the best thing to do?   i had some issues some years ago which have now all been resolved to my knowledge. Anything that I may have overlooked will be way over 6 years, I now have a very healthy credit rating with nothing on any of my credit files.   I have no idea what these people want and this is the 1st contact.    can someone point me in the direction?   thanks    mike 
    • I've been reading up on cases, especially the HSBC vs. Carey. Am I missing something?  It appears to be the conclusion that the decisions in this case meant that regardless of what date  credit agreements were entered into, a claimant no longer needs to produce a signed copy - or even original copy.  It appears that a reconstituted copy of agreement is acceptable by a court and any judge that seems to be swaying towards using it as a reason to find against a claimant could easily be reminded or prompted by their solicitor.  How do I defend my case to be any different?  It will clearly be a case of :   It looks like you probably had a credit card. They've produced a copy of original agreement and added your name and address - so that's good to go. They've got a statement showing a balance outstanding. Therefore, game up - why are you even bothering to defend?     I am working on my "Formal defence"    Can I just ask for some "bullet points"   So far - my main arguments will be that the requested "credit agreement" is not a credit agreement - it is a barely legible application form - which does not bear any account numbers which correspond with the statements produced by the claimant nor match the agreement number included in the original claim (POC).  Secondly, as helpfully highlighted by DX, their WS is relying on a screenshot of "the claimant's predecessors system screen" to show that a default notice was issued on 08/06/2010; clearly there is no copy of said Default notice. Other items I have up my sleeve - should I include? - are the discrepancy in the amounts owing between the Assignment notices - Lloyds stating a figure in excess of £6k (dated 29/6/19) and a letter from Hoist informing me of this assignment but stating an outstanding amount of £4.5k (the amount of the claim).  Clearly, the lack of reference numbers - i.e. their claim does not match the 16 digit credit card number shown on the numerous statements they have included in their WS. And do not match a number shown on the blurry application form. Also, the application form is dated 1998, the first statement they provide is 2010 - can I use this gap/lack of evidence in my favour? I notice on my "illegible" application form there was a reference to "credit card payments insurance" (I assume this is PPI) - during my research, I'm sure I read that any t&c provided should also include this - I notice their seven added pages make no reference to PPI - which even if I didn't take it out would surely have been needed to be included?   So - just to summarise - is it the "poor quality credit agreement"; the fact that they haven't even declared that they are producing reconstituted copies of t&c and the lack of default notice having been issued - well lack of copy?   On the flip side - where do I stand in terms of the payments I was making - allegedly to this account - via Robinson Way? Is that a case of acting dumb/naive?   Thanks very much everyone.   Barafear.    
    • it sometimes takes a good while for all related entries to be removed.   dx
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MaryA1984

Bag left on bus

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My daughter left her bag on the bus last week. Had her phone and PE kit in it. I've got no money to replace any of it, so yesterday she had to go into school with no PE kit. Had to do the lesson in her knickers. She's got PE again on Friday, there's no way I'm going to be able to replace it by then. I don't know what to do :ohwell:

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Hello and welcome to CAG.

 

There's no hope of getting the bag back from the bus company?

 

HB


Illegitimi non carborundum

 

 

 

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I've rung them up, but no luck :sad: I'm just trying to see if someone can lend me a PE kit for Friday.

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First thing is to call the bus company and see if it was found. Then report loss/theft to phone company to get it blocked.

 

How old is your daughter? I'm assuming at Primary school. Then contact the headteacher and explain what has happened so that school knows it isn't just your daughter forgetting to bring her kit in. They might be able to help, some schools have spare PE kit for this situation.

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First thing is to call the bus company and see if it was found. Then report loss/theft to phone company to get it blocked.

 

How old is your daughter? I'm assuming at Primary school. Then call the headteacher and explain what has happened so that school knows it isn't just your daughter forgetting to bring her kit in. They might be able to help, some schools have spare PE kit for this situation.

 

I've already called the bus company. It hasn't been found. My daughter's 14, at secondary. Although the school know she's not forgetting her kit, because she left it on the bus, they are still saying its her fault. They don't have any spare kit.

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Hello and welcome to CAG.

 

Thank you! :-)

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I think asking a 14 year old girl to PE in her knickers is bordering on the abusive. I'd want to complain to the headteacher.

 

To be fair to the school it is your daughter's fault that she doesn't have her PE kit. She left it on the bus! At 14 she is old enough to be responsible for keeping her kit safe and not losing it. But the school's response is not helpful in finding a way forward.

 

Does it have to be the 'official school uniform' PE kit? Can you get her something cheap from somewhere in similar colours? Is there a secondhand school uniform sale scheme run by the PTA or similar? Many schools have something like that.

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I think asking a 14 year old girl to PE in her knickers is bordering on the abusive. I'd want to complain to the headteacher.

 

To be fair to the school it is your daughter's fault that she doesn't have her PE kit. She left it on the bus! At 14 she is old enough to be responsible for keeping her kit safe and not losing it. But the school's response is not helpful in finding a way forward.

 

Does it have to be the 'official school uniform' PE kit? Can you get her something cheap from somewhere in similar colours? Is there a secondhand school uniform sale scheme run by the PTA or similar? Many schools have something like that.

 

I don't know about abusive - certainly embarrassing, and as you say, its her fault she left it on the bus, she's old enough to make sure she's got everything before getting off the bus and to be responsible, and she's learnt her lesson.

 

There isn't 'official' PE kit, apart from the top, but they let her wear her school shirt so she wasn't literally in just her underwear. I just don't know where I'm going to get a pair of shorts for a couple of pounds before Friday. I'll have to ask around and see if I can borrow some.

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What about your local charity shop or freegle, Mary?


Illegitimi non carborundum

 

 

 

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I'll pop out after lunch to the high street to look in charity shops. I've never heard of freegle - how does that work?

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Cool. I'll have a look. Thanks for your help! :-D

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Just to update. I managed to get my daughter a new PE kit earlier today, so will be ok for this week. Thanks for everyone's help

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This story reminds me of when I was around 13 years of age. I always enjoyed riding on the buses in my local area (still do in fact). We are going back 25 years or so here.

 

 

At the start of Year 9 I had this bus pass and I remember going on a few buses after school before going home - getting some shopping after school and all that. My mother used to know that I liked doing this.

 

 

Not sure how much stuff was in the bag, probably one or two exercise books and a calculator for Maths.

 

 

One evening I arrived home after walking through the alleyway from the main road to the street I used to live on, and my mother asked me "where's your bag?" It then dawned on me that I no longer had it. The problem was that I had been on so many buses that I must have left it on one of them, but couldn't remember which one.

 

 

It was fruitless contacting the transport company place as I couldn't remember where or when I lost my bag, and when my English teacher had telephoned my mother at home when he was concerned about some homework that wasn't been handed in, she told him about it. I doubt that Lost Property had it because of the "finders keepers" concept that local people in my area had when they had found something that belonged to someone else.

 

 

Got a new bag soon after, and I think that I got the other things replaced for a relatively small amount of money, but it didn't happen again!


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I think asking a 14 year old girl to PE in her knickers is bordering on the abusive. I'd want to complain to the headteacher.

 

Now this is all sorted out, do you really think I should complain? Or just leave it?

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Now this is all sorted out, do you really think I should complain? Or just leave it?

 

Hi. Just read your post. When I was at school no PE kit meant underwear - I didn't realise it still happened these days. I had to do it a couple of times and it was very embarrassing! It depends on how you want to proceed - 14 is quite old to be running about in underwear. Were there boys in the lesson too? Was it indoor or outdoor? I'm sure as she was wearing a shirt on top she was more covered up than if she was swimming, but some girls knickers can be quite skimpy these days. Probably depends if she wants you to take it further too?

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Hi. Just read your post. When I was at school no PE kit meant underwear - I didn't realise it still happened these days. I had to do it a couple of times and it was very embarrassing! It depends on how you want to proceed - 14 is quite old to be running about in underwear. Were there boys in the lesson too? Was it indoor or outdoor? I'm sure as she was wearing a shirt on top she was more covered up than if she was swimming, but some girls knickers can be quite skimpy these days. Probably depends if she wants you to take it further too?

 

Sorry - only just seen your post, I haven't been on for a while. I didn't take it any further, my daughter preferred to just forget about it! It was a mixed indoor lesson, but she managed to borrow a t-shirt off someone so wasn't that bad at the time.

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