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    • 1st again why do you keep changing things before you send them   you've added counterclaim in to our std CPR 31:14 you sent? why? this opens you up to additional costs and I hope you didnt tick counterclaim when you did AOS on mcol too?   also I notice you've  played with our std OD defence above too...   pers I would refrain from continuing to change things as they are written in the frain they are for specific reasons.   your defence is due by 4pm Monday [day 33]   here are 2 versions you will ofcourse need to adapt them to lowells para no's and remove the NOA stuff as your docs show Lowell have complied with those. but don't forget to mention other documents provided to date notably statements contain no proof they came from Lloyds but rather Lowells own internal data system    dx   1. It is admitted with regards to the Defendant entering into an Agreement referred to in the Particulars of Claim ('the Agreement') with the [insert original creditor] . .  2. The defendant denies that the account exceeded the agreed overdraft limit due to overdrawing of funds but is as a result of unfair and extortionate bank charges/penalties being applied to the account. .  3. I refute the claimants claim is owed or payable. The amount claimed is comprised of amongst others default penalties/charges levied on the account for alleged late, missed or over limit payments. The court will be aware that these charge types and the recoverability thereof have been judicially declared to be susceptible to assessments of fairness under the Unfair Terms in Consumer Contracts Regulations 1999 The Office of Fair Trading v Abbey National PLC and others (2009). I will contend at trial that such charges are unfair in their entirety. .  4. 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 crediticon Act 1974. The Claimant has yet to provide a copy of the Notice of Assignment its claim relies upon. .  5. The claimant is denied from added section 69 interest within the total claimed that as yet to be decided at the courts discretion. .  6. As per Civil Procedure Rule 16.5(4), it is expected that the Claimant prove the allegation that the money is owed. .  The claimant is also put to strict proof to:-. .  (a) Provide a copy agreement/facility arrangement along with the Terms and conditions at inception, that this claim is based on.  (b) Provide a copy of the Notice served under 76(1) and 98(1) of the CCA1974 Demand /Recall Notice and Notice of Assignment.  (c) Provide a breakdown of their excessive charging/fees levied to the account with justification.  (d) Show how the Claimant has reached the amount claimed.  (e) Show how the Claimant has the legal right, either under statute or equity to issue a claim.  (f) Show how they have complied with sections III & IV of Practice Direction - Pre-action Conduct. .  7. On receipt of this claim I requested documentation by way of a CPR 31.14 request dated [xxxxxxx] namely the Agreement and Termination Demand Notice referred to in the claimants Particulars of Claim. The Claimant has failed to comply with this request. .  By reason of the facts and matters set out above, it is denied that the Claimant is entitled to the relief claimed or any relief. .  .............. or  Particulars of Claim  1.The claim is for the sum of 2470.56 in respect of monies owing pursuant to an overdraft facility under account number XXXXXX XXXXXXXXXX.  2.The debt was legally assigned by Santander UK Plc to the claimant and notice has been served.   3.The Defendant has failed to repay overdrawn sums owing under the terms and conditions of the bank account.   The Claimant claims:  The sum of 2470.56 Interest pursuant to s69 of the county courticon Act 1984 at a rate of 8.00 percent from the 7/04/2015 to the date hereof 14 days is the sum of 7.58Daily interest at the rate of .54  Costs Defence  The Defendant contends that the particulars of the 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.   1. It is admitted with regards to the Defendant once having had banking facilities with the original creditor Santander Bank. It is denied that I am indebted for any alleged balance claimed.   2. Paragraph 2 is denied.I am not aware or ever receiving any Notice of Assignment pursuant to the Law and Property Act 1925. 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 crediticon Act 1974. The Claimant has yet to provide a copy of the Notice of Assignment its claim relies upon.   3. Paragraph 3 is denied. The Original Creditor has never served notice pursuant to 76(1) and 98(1) of the CCA1974  Any alleged amount claimed could only consist in the main of default penalties/charges levied on the account for alleged late, rejected or over limit payments. The court will be aware that these charge types and the recoverability thereof have been judicially declared to be susceptible to assessments of fairness under the Unfair Terms in Consumer Contracts Regulations 1999 The Office of Fair Trading v Abbeyicon National PLC and others (2009). I will contend at trial that such charges are unfair in their entirety.  4. As per Civil Procedureicon Rule 16.5(4), it is expected that the Claimant prove the allegation that the money is owed.  The claimant is also put to strict proof to:-.  (a) Provide a copy agreement/overdraft facility arrangement along with the Terms and conditions at inception that this claim is based on.  (b) Provide a copy of the Notice served under 76(1) and 98(1) of the CCA1974 Demand /Recall Notice and Notice of Assignment.  (c) Provide a breakdown of all excessive charging/fees and show how the Claimant has reached the amount claimed.   (d) Show how the Claimant has the legal right, either under statute or equity to issue a claim.  (e) Show how they have complied with sections III & IV of Practice Direction - Pre-action Conduct.  5. On receipt of this claim I requested documentation by way of a CPR 31.14 request dated April 2015 namely the Agreement and Termination Demand Notice referred to in the claimants Particulars of Claim. The Claimant has failed to comply with this request.   By reason of the facts and matters set out above, it is denied that the Claimant is entitled to the relief claimed or any relief.  Regards  Andy    
    • Hi   Just read your thread and looked at the Docs posted in your PDF.   1. from AST to rent a Car Parking space you need to have signed a Car Parking Agreement for a Space and for visitors you should have asked permission for another space in advance with a fee to pay. (i also assume renting a parking space would be at a cost)   2. You have no signed Car Parking Agreement nor visitor space agreement.   Did you not fully read that AST before you signed it and pick up what is stated about parking and ask them about this Car Parking Agreement and if you need one to park in the car park?   You could formally complain to them about what was verbally said to you but unless you have evidence of this it may be hard to prove.   You should also contact them and ask how you go about renting a Car Parking space/costs and about the Car Parking Agreement also what the process is for a visitor car parking space/costs.   You need to be aware that they could class you and your visitor as illegally parking in there car park without consent nor a signed car parking agreement which they could use as a Breach of your Tenancy Agreement so you need to be careful in how you are approaching this and where you are parking.   Just for info on checking Manchester Life website they have numerous buildings/apartments/car parks but you may be in a building where some of the apartments are leasehold and as part of there leasehold they may have purchased a car parking space in that building. (so how do you know you are not parking in a space that someone in the building has legally purchased?)
    • It converts a forthwith to monthly payment which is set to suit your finances...so if £5 a month so be it...rubber stamped by the court....if you try to negotiate direct ...which it sounds thats what your doing.....they can alter it whenever they feel like it and if you dont comply can execute the judgment...but not if you submit an N245 as advised.   But hey what do we know ? 
    • you still got that spreadsheet I did for you?   dx  
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SOD'EM

Sony Vaio running Windows XP cannot Surf Web.

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Hi Guys, I picked up a Sony Vaio for next to nothing and it's in pretty good nick. I am however having internet connection problems. I have connected it to my router via ethernet and wirelessly, but Internet Explorer still can't display the web page. The internet icon says connected with 100mbs speed, but still can't work out what's wrong.

 

Thanks in advance.


 

 

If all else fails, kick them where it hurts and SOD'EM;)

 

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Hi Guys, I picked up a Sony Vaio for next to nothing and it's in pretty good nick. I am however having internet connection problems. I have connected it to my router via ethernet and wirelessly, but Internet Explorer still can't display the web page. The internet icon says connected with 100mbs speed, but still can't work out what's wrong.

 

Thanks in advance.

 

Is there any software on it, which has an update option ? Try it to see if it downloads.

 

Also there is a diagnostic tool in windows tools page to check the internet connection.


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xp is no longer supported for updates so you need to do the little reg dodge to turn it into a business version of XP

then it will update

 

then IE will work.

LONG process though hours of updates to install.

 

download the attached file

rename it to xp.reg

 

pop it on a penstick.

 

pop the penstick into the XP machine

 

right click it install

 

 

or double click it [some xp version vary in the way it installs


PLEASE DONT HIT QUOTE IF THE LAST POST IS THE ONE YOU ARE REPLYING TOO.

MAKES A THREAD TWICE AS LONG TO SCROLL THROUGH!

please do not post jpg images directly to a topic..USE PDF ....READ UPLOAD.

 

WE CAN'T GIVE ADVICE BY PM - IF YOU SEND ME A LINK TO YOUR THREAD - I WILL BE HAPPY TO OFFER HELP THERE

Single Premium PPI Q&A Read Here

Reclaim mis-sold PPI Read Here

Reclaim Bank Account, Loan & Credit Card Charges Read Here

The CAG Interest Tutorial Read Here

spreadsheets 

 

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I've got a Vaio SOD'EM, don't think they make them anymore.


 
 

Any advice I give is honest and in good faith.:)

If in doubt, you should seek the opinion of a Qualified Professional.

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Help keep it up and active, helping people like you.

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xp is no longer supported for updates so you need to do the little reg dodge to turn it into a business version of XP

then it will update

 

then IE will work.

LONG process though hours of updates to install.

 

download the attached file

rename it to xp.reg

 

pop it on a penstick.

 

pop the penstick into the XP machine

 

right click it install

 

 

or double click it [some xp version vary in the way it installs

 

 

Done that DX. A notepad came up with windows registry editor version 5.00

[HKEY_LOCAL_MACHINESYSTEMWPAPosReady]

"Installed"=dword:00000001

 

 

But IE still can't display web page.


 

 

If all else fails, kick them where it hurts and SOD'EM;)

 

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Also, when I put in my wireless password, it says

 

The network password needs to be 40 bits or 104bits depending on your network config.

This can be antered as 5 or 13 ascii characters or 10 or 26 hexadecimal characters. :???:


 

 

If all else fails, kick them where it hurts and SOD'EM;)

 

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read what I posted properly

you need to RENAME THE FILE TO XP.REG

 

 

then double click on it

if its successful you'll get a that's been added to the registry pop up.

 

 

them restart the pc..

 

 

give it an Ethernet connection

any run windows update again and again till everything is updated.

 

 

typically will be several hours and several reboot and re updating needed.

 

 

the otherway to do it is to load 360 anti virus

https://www.360totalsecurity.com/en/

 

 

and use the patch up tool.

 

 

its a LONG JOB.

 

 

vios do work on xp quite happily once fully updated

 

 

use one here all the time.


PLEASE DONT HIT QUOTE IF THE LAST POST IS THE ONE YOU ARE REPLYING TOO.

MAKES A THREAD TWICE AS LONG TO SCROLL THROUGH!

please do not post jpg images directly to a topic..USE PDF ....READ UPLOAD.

 

WE CAN'T GIVE ADVICE BY PM - IF YOU SEND ME A LINK TO YOUR THREAD - I WILL BE HAPPY TO OFFER HELP THERE

Single Premium PPI Q&A Read Here

Reclaim mis-sold PPI Read Here

Reclaim Bank Account, Loan & Credit Card Charges Read Here

The CAG Interest Tutorial Read Here

spreadsheets 

 

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I did rename it, before I transfered it to a Flash Drive. I didn't use capitals, but I wouldn't have thought that would make a difference. When I right click on it, there is no option to install it. Just open it etc. Double clicking it just opens it in Notepad.


 

 

If all else fails, kick them where it hurts and SOD'EM;)

 

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Just restarted it and it's been on the welcome page for ages, so maybe it did work after all lol. Just waiting now.


 

 

If all else fails, kick them where it hurts and SOD'EM;)

 

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right click it

open with regedit

 

 

dx


PLEASE DONT HIT QUOTE IF THE LAST POST IS THE ONE YOU ARE REPLYING TOO.

MAKES A THREAD TWICE AS LONG TO SCROLL THROUGH!

please do not post jpg images directly to a topic..USE PDF ....READ UPLOAD.

 

WE CAN'T GIVE ADVICE BY PM - IF YOU SEND ME A LINK TO YOUR THREAD - I WILL BE HAPPY TO OFFER HELP THERE

Single Premium PPI Q&A Read Here

Reclaim mis-sold PPI Read Here

Reclaim Bank Account, Loan & Credit Card Charges Read Here

The CAG Interest Tutorial Read Here

spreadsheets 

 

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its a very long process

you MUST keep returning to windows upgrade or use the 360 patch tool.

 

 

you'll also probably have to download and install manually winxp sp3.

 

 

but up mustn't do that until your current version exhausts everything at windows update including the optional patches too.

 

 

usually takes me about 2 days on even a 20Mb fibre connection.

 

 

don't be impatient

 

 

do it properly till everything is updated fully then it will work./

 

 

you'll probably have to update IE too IE8

that's the highest you can go on winxp SP3.

 

 

you'll need to upgraded the ram too

the max a vio will take is 2GB.

les than that and forget trying to use it on the internet


PLEASE DONT HIT QUOTE IF THE LAST POST IS THE ONE YOU ARE REPLYING TOO.

MAKES A THREAD TWICE AS LONG TO SCROLL THROUGH!

please do not post jpg images directly to a topic..USE PDF ....READ UPLOAD.

 

WE CAN'T GIVE ADVICE BY PM - IF YOU SEND ME A LINK TO YOUR THREAD - I WILL BE HAPPY TO OFFER HELP THERE

Single Premium PPI Q&A Read Here

Reclaim mis-sold PPI Read Here

Reclaim Bank Account, Loan & Credit Card Charges Read Here

The CAG Interest Tutorial Read Here

spreadsheets 

 

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If you still have this problem post,

 

I vaguely recall having exactly the same problem on an old vaio on XP and also on an updated PB, and what seemed like a similar issue on an upgraded HP.

On the HP it was the laptop firmware which blocked the upgraded wireless card - flashed a patched firmware that didnt just allow 'selected and approved' cards - all fine. Still using that much upgraded lappy. (Now 5TB in 3 hdd - one replacing the dvd)

 

The PB and the vaio were both failures of the wireless card connector or bridge chip and cheap usb wireless sticks worked fine with xp sp3

 

Be aware that older xp versions still succumb to the blaster virus as soon as you connect to the Wild World Web unless patched


I express my honestly held opinions - they are nothing more or less than that.

... Its just doing some due diligence that makes them seem unusual ...

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