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    • The Contract itself The airport is actually owned by the Ontario Teachers Pension Plan. There should be an authority from them for Bristol airport group  to sign on their behalf. Without it the contract is invalid. The contract has so many  clauses redacted that it is questionable as to its fairness with regard to the Defendants ability to receive a fair trial. In the case of WH Holding Ltd, West Ham United Football Club Ltd -v- E20 Stadium LLP [2018],  In reaching its decision, the Court gave a clear warning to parties involved in litigation: ‘given the difficulties and suspicions to which extensive redaction inevitably gives rise, parties who decide to adopt such an appropriate in disclosure must take enhanced care to ensure that such redactions are accurately made, and must be prepared to suffer costs consequences if they are not’. The contract is also invalid as the signatories are required to have their signatures co-signed by independent witnesses. There is obviously a question of the date of the signatures not being signed until 16 days after the start of the contract. There is a question too about the photographs. They are supposed to be contemporaneous not taken several months before when the signage may have been different or have moved or damaged since then. The Defendant respectfully asks the Court therefore to treat the contract as invalid or void. With no contract there can be no breach. Indeed even were the contract regarded as valid there would be no breach It is hard to understand why this case was brought to Court as there appears to be no reasonable cause to apply to the DVLA.............
    • Danny - point taken about the blue paragraphs.  Including them doesn't harm your case in any way.  It makes no odds.  It's just that over the years we've had judges often remarking on how concise & clear Caggers' WSs have been compared to the Encyclopaedia Britannica-length rubbish that the PPCs send, so I always have a slight preference to cut out anything necessary. Don't send off the WS straight away .. you have plenty of time ... and let's just say that LFI is the Contract King so give him a couple of days to look through it with a fine-tooth comb.
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    • Between yourself and Dave you have produced a very good WS. However if you were to do a harder hitting WS it may be that VCS would be more likely to cancel prior to a hearing. The Contract . VCS [Jake Burgess?] are trying to conflate parking in a car park to driving along a road in order to defend the indefensible. It is well known that "NO Stopping " cannot form a contract as it is prohibitory. VCS know that well as they lose time and again in Court when claiming it is contractual. By mixing up parking with driving they hope to deflect from the fact trying to claim that No Stopping is contractual is tantamount to perjury. No wonder mr Burgess doesn't want to appear in Court. Conflation also disguises the fact that while parking in a car park for a period of time can be interpreted as the acceptance of the contract that is not the case while driving down a road. The Defendant was going to the airport so it is ludicrous to suggest that driving by a No Stopping  sign is tacitly accepting  the  contract -especially as no contract is even being offered. And even if a motorist did not wish to be bound by the so called contract what could they do? Forfeit their flight and still have to stop their car to turn around? Put like that the whole scenario posed by Mr Burgess that the Defendant accepted the contract by driving past the sign is absolutely absurd and indefensible. I certainly would not want to appear in Court defending that statement either. --------------------------------------------------------------------------------------------------------------------------------------------------------- I will do the contract itself later.
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Erudio - no CAA no default - discount offer - now PAP Letter


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Because if you dont, you fall right into their trap, get harassed and worse.

 

YOU WONT GET A CCJ FOR THIS. Youve already been told what will happen. THEY ARE IN THE WRONG. And they know it. You are worried and scared by their empty threats.

Any advice i give is my own and is based solely on personal experience. If in any doubt about a situation , please contact a certified legal representative or debt counsellor..

 

 

If my advice helps you, click the star icon at the bottom of my post and feel free to say thanks

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again you don't appear to be absorbing erudio thread information on CAG.

erudio have never taken anyone to court that they are in contact with and know their correct address

the only court cases have been backdoor CCJ's.

please don't hit Quote...just type we know what we said earlier..

DCA's view debtors as suckers, marks and mugs

NO DCA has ANY legal powers whatsoever on ANY debt no matter what it's Type

and they

are NOT and can NEVER  be BAILIFFS. even if a debt has been to court..

If everyone stopped blindly paying DCA's Tomorrow, their industry would collapse overnight... 

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please don't hit Quote...just type we know what we said earlier..

DCA's view debtors as suckers, marks and mugs

NO DCA has ANY legal powers whatsoever on ANY debt no matter what it's Type

and they

are NOT and can NEVER  be BAILIFFS. even if a debt has been to court..

If everyone stopped blindly paying DCA's Tomorrow, their industry would collapse overnight... 

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  • 2 months later...

I want to get this debt cleared up with as small a full and final settlement as possible. It stands at £9000-odd but a few years ago they offered a final settlement of £6300. To cut a long story short, I asked for the credit agreements in 2014 and they only provided it in 2019 after reminded them of my request in a PAP response.  They deny pursuing while the account was in dispute because they 'didn't receive  the original request', except I have the Special Delivery signature. What would be the best way to proceed? Thank you in advance.

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If this old mortgage style student loan was last defered in April 2013, with no payments or acknowledgement of the debt since then, surely it is now statute barred or could be argued as such ?

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send them this then ignore them

 

 

please don't hit Quote...just type we know what we said earlier..

DCA's view debtors as suckers, marks and mugs

NO DCA has ANY legal powers whatsoever on ANY debt no matter what it's Type

and they

are NOT and can NEVER  be BAILIFFS. even if a debt has been to court..

If everyone stopped blindly paying DCA's Tomorrow, their industry would collapse overnight... 

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The statute barred clock starts at the point of cause for action, which is usually when the account defaulted. 

 

When does the limitation period start?

The start date of the limitation period is whichever of the following happened most recently:

 

  • The last time you wrote to the creditor acknowledging that you owed the debt
  • The last time you made a payment to the debt
  • The earliest date the creditor could have started court action to recover the debt

https://www.stepchange.org/debt-info/can-i-write-off-debt/statute-barred-debt.aspx

 

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well then leave it a few weeks .

you returning the pap letter is not acking it.

 

please don't hit Quote...just type we know what we said earlier..

DCA's view debtors as suckers, marks and mugs

NO DCA has ANY legal powers whatsoever on ANY debt no matter what it's Type

and they

are NOT and can NEVER  be BAILIFFS. even if a debt has been to court..

If everyone stopped blindly paying DCA's Tomorrow, their industry would collapse overnight... 

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Once into May it should then be SB.

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The bailiff: A 12th Century solution re-branded as Enforcement Agents for the 21st Century to seize and sell debtors goods as before Oh so Dickensian!

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They could argue that deferment lasted 12 months, so the default could not happen until  April 2014. So the SB clock starts running from that point. 

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We could do with some help from you.

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 Have we helped you ...?         Please Donate button to the Consumer Action Group

 

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they can argue all they like..

last written communication which is signed. april 2013

please don't hit Quote...just type we know what we said earlier..

DCA's view debtors as suckers, marks and mugs

NO DCA has ANY legal powers whatsoever on ANY debt no matter what it's Type

and they

are NOT and can NEVER  be BAILIFFS. even if a debt has been to court..

If everyone stopped blindly paying DCA's Tomorrow, their industry would collapse overnight... 

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We know that at appeal it was ruled the default was the earliest cause of action so I can see them arguing the deferral was 12 months then a further (lets say 3) months for a default takes us to July 2020.

 

Certainly time to try stringing this out - also did they send a DN? 

 

I have just read one of the letters, did you try and defer in 2014 ? If so then surely that would be acknowledgement of the debt - sorry to sound doom and gloom

Any opinion I give is from personal experience .

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Send the sb letter

let them counter it if they think otherwise

they wont reply

all these pap letters are sent for is to see if they get a response..if they dont

they file for a backdoor ccj.

if they get a response..they go radio silence.

please don't hit Quote...just type we know what we said earlier..

DCA's view debtors as suckers, marks and mugs

NO DCA has ANY legal powers whatsoever on ANY debt no matter what it's Type

and they

are NOT and can NEVER  be BAILIFFS. even if a debt has been to court..

If everyone stopped blindly paying DCA's Tomorrow, their industry would collapse overnight... 

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I have to disagree- sending the SB must be seen as an acknowledgment and if the debt is not SB you are just resetting the limitations 'clock'.

 

I would be trying to find out via a GDPR request when the default notice was sent (if it had been). I won my case against Lowell because they could not produce a DN 

Any opinion I give is from personal experience .

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not you are not ...an sb letter is not acking anything its stating if there ever was a debt its now time barred

but anyway they wont do anything.

 

its simply you informing of the correct address as the pap letter is after a backdoor default CCJ.

it really but wont hurt to wind then up too.

the PAP letters are purely sent out to get a response, if they get one, they go radio silent.

 

student loans differ in many aspects from other consumer debt.

please don't hit Quote...just type we know what we said earlier..

DCA's view debtors as suckers, marks and mugs

NO DCA has ANY legal powers whatsoever on ANY debt no matter what it's Type

and they

are NOT and can NEVER  be BAILIFFS. even if a debt has been to court..

If everyone stopped blindly paying DCA's Tomorrow, their industry would collapse overnight... 

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I think you need to read the letter again 

 

Quote

The last payment or acknowledgement of this debt was made over six years ago and no further acknowledgement or payment has been made since that time

 

If that is not saying yes the debt is mine I don't know what is. If the above claim is untrue, you have just re acknowledged the debt .

 

You must forgive me for being cynical at your claims they won't do anything as you told me Lowell would discontinue as soon as I filed my defence. Well they didn't and went all the way to court, admittedly a costly mistake for them.

Any opinion I give is from personal experience .

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these SLCdebts are different from consumer credit debts.

erudio are a 'true creditor' for want of words not a standard debt buyer, though they act like one..😂😂

please don't hit Quote...just type we know what we said earlier..

DCA's view debtors as suckers, marks and mugs

NO DCA has ANY legal powers whatsoever on ANY debt no matter what it's Type

and they

are NOT and can NEVER  be BAILIFFS. even if a debt has been to court..

If everyone stopped blindly paying DCA's Tomorrow, their industry would collapse overnight... 

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Yet all your advice on this thread has been for a CCA regulated debt- send a CCA Request- they are in default etc etc 

 

Either they are treated as CCA regulated debts or they aren't. 

 

By the way to Pencil - you redacted the DN, it looked ok but was there a clear 14 days from service of the letter to the remedy date 

Any opinion I give is from personal experience .

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whilst it wasn't SB'd but it is now....

 

all the erudio claimform threads here are for backdoor CCJ attempts when the debtor did not inform SLC nor erudio of a move.

all the erudio owned SLC Loan PAP threads here whereby the debtor has in someway replied have resulted in no claimform latterly sent..then radio silence.

most of these erudio had already defaulted and terminated ...they have no argued the point.

 

now if in the future that changes and/or with regard to the COA being DN+14days, is another matter, but nowhere is there a thread here whereby Erudio [or indeed any other claimant on any CCA debt] have issued a claimform to the correct address following recent address update by the debtor by whatever letter/request.inc the SB letter .but a PAP form MUST always be replied too.

 

the backdoor CCJ attempts here have all resulted from the debtor totally ignoring everything till its arrival.

mainly due to poor advice from other sources to refuse to fill out the [then] intrusive Erudio deferment forms and ignore them, rather than CAG's advice to use the old SLC deferment form not requiring sig nor a DD mandate.

defences filed included reference to not ever earning above the threshold in any year since last deferment.

to date all these cases here are currently stayed.

 

on other erudio debt chasing SLC threads here, whereby deferment forms were send back within 6yrs but latterly were forgotten.. further backdated SLC forms have been sent, again they seem successful in inducing radio silence,

 

as far as im aware there have been no claimforms issued whereby erudio have been told the correct address, have had deferment forms, but already have defaulted the debtor.

 

erudio claim in several instances here deferment is refused or null as the loan has either, matured or they have defaulted it and have demanded repayment, again none of these have resulted in a claimform to date.

please don't hit Quote...just type we know what we said earlier..

DCA's view debtors as suckers, marks and mugs

NO DCA has ANY legal powers whatsoever on ANY debt no matter what it's Type

and they

are NOT and can NEVER  be BAILIFFS. even if a debt has been to court..

If everyone stopped blindly paying DCA's Tomorrow, their industry would collapse overnight... 

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I work on the principle that just because it doesn't appear on here there is no guarantee it does not happen. 

 

It may be that this particular account was defaulted at some point after the last deferral was accepted so sometime after April 2013, from the info on this thread it may be sometime after April 2014 .

 

If that is the case then the account is someway from being SB so sending the SB letter may not be the best idea at the moment. 

 

 

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Any opinion I give is from personal experience .

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SB is not an option. This was my question in post 55.

 

Quote

I want to get this debt cleared up with as small a full and final settlement as possible. It stands at £9000-odd but a few years ago they offered a final settlement of £6300. To cut a long story short, I asked for the credit agreements in 2014 and they only provided it in 2019 after reminded them of my request in a PAP response.  They deny pursuing while the account was in dispute because they 'didn't receive  the original request', except I have the Special Delivery signature. What would be the best way to proceed? Thank you in advance.

 

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well you need to send something to protect again a backdoor CCJ.

then p'haps fill out the PAP form as the others here have done and state you have never earned over the threshold 

but that's admittance and resetting the SB clock

 

see chicken and egg simply because someone thinks a case has worldwide sweeping changes when in all truth we've not seen any court case even refer to it yet.

please don't hit Quote...just type we know what we said earlier..

DCA's view debtors as suckers, marks and mugs

NO DCA has ANY legal powers whatsoever on ANY debt no matter what it's Type

and they

are NOT and can NEVER  be BAILIFFS. even if a debt has been to court..

If everyone stopped blindly paying DCA's Tomorrow, their industry would collapse overnight... 

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Dx- clearly you will disagree with anything I say because it is me who is saying it. It was the same when I used to say send CCA requests and talked about unenforceability.

 

You say no court case has ever referred to it , I assume you mean the default date- well my sources tell me otherwise, it was apparently used within days of the judgement being handed down. 

 

I also believe Pencil has already replied to the PAP , wasn't that the reason they finally sent the agreement?

If they are communicating at the given address, I can not see how they can get backdoor CCJ.

 

Pencil, I really do not know what the best way to respond is, as of yet they haven't issued you with a claim form and that is really how you want it to stay. 

 

How long is it since you last wrote to them in any way?

If what DX says is correct in that if you return PAPs etc they do not issue claims , you would be fine. I have no evidence either way 

Any opinion I give is from personal experience .

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I refer (again) to my latest post #55.

 

I am unemployed at the moment but I have some savings which I want to use in a full and final settlement.

 

I said I want to pay it off, I didn't say anything about statute barring, PAPs, or CCJs or anything like it.

 

A lot of money is involved and I was hoping for more than glib tinpot advice which is frankly what got me in this mess in the first place. 

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Try to keep it civil. People have different opinions. You have made up your mind already about your intentions.

 

Be careful with F&F offers. Follow the instructions about how to use these and don't amend the template letters too much.  There is a template letter in CAG library. You are wanting to open up negotiations without prejudice, to avoid any written admission to owing the debt being used to enforce full payment.

 

Think about what you will do, if they reject any F&F offer. Creditors make offers to reduce debts, but do not always entertain offers made to them. They may instead just invite you to contact them to agree a repayment arrangement, to pay more than you are wanting to pay.  Are you then going to argue statute barred ? Probably not. 

 

Think about other debts and benefit issues if you are claiming. There  can be implications of choosing to use savings to pay one debt off in priority to all other issues.

 

 

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