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    • DX,   I've just noticed something, if you look at the uploaded documents relating to the CCA #6   You see the 2nd and 3rd page are contracts the first one is a blank contract the 2nd one is a digitally signed contract for Very. I can only assume the originally creditor sent the contracts digitally to the DCA and it looks like one of them has either been printed out as a blank page or they have removed the information from 2nd contract and made it look like 2 seperate contracts?   It looks like they only have information relating to Very and not Littlewoods? surley a none signed contract with no name detailing no amount of credit is not legally binding in court?   It looks like if it gets to court they'll for the Very account but not have a case to argue the Littlewoods one?   Shop direct own both companies so assuming regardless of one signed contract for one company name would still need a seperate contract for another? and one signed contract doesn't work for both?   If this does go to court at what point do I ask for the hearing to be done local to me?
    • For Chrissake simeon!!!   Of course you cannot find para 18(d) that I referred to in #120!!!  That is because - if you had bothered to read #120 post correctly - you would have seen that para 18(d) is in FTMDave's post #105.   One of the improvements that FTMDave had made in #105 to my earlier draft was to replace my paras 13 and 14 with a single combined para 13.  This reduced the total number of paragraphs by one.  That was a good thing to do.   YOU in #121 then reverted to my earlier draft, thus wrongly reinstating para 14 from my draft which FTMDave had removed .  This meant that the para 18(d) that I referred to in #120 had become 19(d) in your version in #121!!!    So when I referred in #120 to FTMDave's draft in #105 and to para 18(d), I was referring to para 18(d) in #105, and not to any draft that I produced days earlier or that anyone else had produced.   And then, now that the para 18(d) confusion that YOU have created is sorted out, you must surely understand my references to para 19 after para 18(d), and to adding a new paragraph 20   Do you understand now?  (You must stop reverting to ealier draft versions and stick with the latest - otherwise it becomes incredibly confusing for all of us and you won't get this counterclaim completed in time!!!)   ========================================================================   All I can really advise you to do now is to read FTMDave's suggestions in #131, and follow them!   (You might find it helpful if you read again all our posts from #120 onwards to help you understand FTMDave's advice.)   You need to sort out your attachments (or exhibits if you prefer).  You've got them in front of you - we haven't - and you understand them better than we do.  Just make sure they are numbered and ordered correctly and are cross-referenced correctly to the Particulars of counterclaim.   Add in interest as per FTMDave's instructions.   And that is it.  From here it's not rocket science, it's just common sense.  If you don't understand by now we can't help.  You just need to polish it off.    
    • Hi there. To answer your questions. The Assessment of the car I got was by the DVSA. The 3 Dangerous faults. Seatbelt webbing significantly weakened offside front. Seatbelt webbing significantly weakened nearside front. Passengers seat insecure Nearside.   The Seven Dangerous Faults. Headlamp aim obviously incorrect. Supplementary restraint system indicates a fault Drivers door hinge insecure Fuel cap sealing device missing (cap seal missing) Fuel Cap Sealing device ineffective (filler neck sealing face damaged) Battery insecure and likely to cause a short circuit Power steering malfunctioning (limited power assistance, power steering pump noisy)   2 advisories  no spare wheel fitted Tyre worn close to legal limit.   The link to Companies House https://find-and-update.company-information.service.gov.uk/company/08471137   The MOT was obtained on the 8th of October after I had paid a deposit and two days before I took possession of the vehicle. The Garage the MOT was obtained from is in Bristol as is the dealer. I live around 130 miles from the dealer.   I have engaged with the thread as far as possible with other commitments and did not notice the set of questions I did not reply to in my first post which was responded to at 1 in the morning. Any help is gratefully received.      
    • ok. well you could try appealing using the forms you used before i will guess these: you dealt with the others so why not this one? they at the time should have equally been aware there was another PCN outstanding and dealt with that too or atleast told you.   not really sure but worth a try.   im sure a brief likewise note to the bailiff will halt things for now, once he know forms have gone in/history.   dx  
    • Hi BankFodder,  From what I see, the MOT place is based in Milton Keys, the dealership said that they received this vehicle in a trade-in deal.  The agent said he has used this vehicle to travel to Birmingham and back to London with no issues, but then when I spoke with another agent via phone, he stated that its a new vehicle and they haven't really test driven it properly etc... I believe that everything they have said so far is a lie and what they stated on the sales/page on auto-trader is also a lie.  I'm unsure who did the MOT, but I have reason to believe it was the previous owner. 
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I am in the process of claiming 1216 + 197 interest from natwest .

I received the AQ form and the letter from cobbetts regarding schedule of charges on Thursday last week. I am yet to respond and send off the £100. I had the date of the case come through for the 21th december. Today I received a letter from cobbets offering £800. I am tempted to accept this as I am so skint and struggling to get the £100 for the court costs. But I know that would be stupid.

What I would like to know is what is likely to happen next? Are cobbets likely to take this to court or will they settle just before. I had decided before to accept any thing over £1100 is it worth writing to them say that i'll accept £1100? HAve any of these cases gone to court?

 

Thankyou

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I have not got that far yet but I would advise you to wait. The fact that they are offering you any money at all is basically them admitting liability. You will get it all back, including your costs. Knowing them, they will probably wait until the very last minute.

 

Has your account been closed?

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At the end of the day it's up to you. If you are prepared to accept £1100 then you could try writing to them making this as an offer but to be fair you will almost certainly get the full amount you are claiming if you stick it out a bit longer.

 

Have you checked to see whether you qualify for fee exemption for the AQ. If you are claiming any benefits there is a good chance that you will qualify for exemption but either way you need to file the AQ.

 

Paul

Advice given is either my experience or my opinion and is given without liability. If in doubt, consult a qualified professional.

If you PM me for advice I will only reply in your own thread

 

Never under estimate your ability. I won over £17,000!

For the full story - look here

http://www.consumeractiongroup.co.uk/forum/NatWest-bank/17630-thecobbettslayer-NatWest.html

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The general trend for claims against Nat West is that they tend to pay up as late as possible, so even if it gets to the stage where you receive a court date don't panic it probably wont actually get there.

As for closing accounts, they have done in a few cases, they do sometimes ask for cheque books and cards back, but I think this is quite rare.

IF MY COMMENTS HAVE HELPED PLEASE CLICK MY SCALES

 

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:D NAT WEST - WON - £4282.36:D

 

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