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    • when talking about liability make sure that you point out in the strongest terms that CEL's NTK is NOT  POFA compliant and even fails to create ANY liability by their failure to use the key phrases of the POFA to create a liability. Quote their NTK and show why it is cobblers with reference to the para of the Act you rely on. I know you have this a point 12 but move it up to sit with the relevant points rather than being isolated. context is important, your WS is telling a story as well as reeling out facts.   Point 8, the additional costs are only applicable to the driver and where a keeper liability is created under the POFA only the original sum on the NTK is enforceable. Courts ( Southampton and Lewes plus others) have decided that the extra additional charges are indeed extravagant as they represent more than XX% of the actual contractual charge. This invites you judge to use their formula rather than work in isolation. they will thank you for that, they like "persuasive" cases to refer to. ppints 14-16. Dont tell the court its business, this looks like commentary rather than your WS so reword it and shorten these points and drop the bit about what parliament is minded to do at some point in the future, you are dealing with a problem with the law as it is.   So get all of your siupporting docs and images together and you will be good to go. Do not rely on their pictures of signs, CEL are happy to use a computer to change the reality to fit in with thier claims of that particular day and use stock images when they cant lie.
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    • Well they would have to secure judgement in France and then have it transferred to UK – have it confirmed there and then forced. For this kind of value I can't imagine they would start.   I'm not particularly familiar with French law – but I do believe that there is a moral aspect to contracts – and so therefore the principal which is enshrined in UK statute – the supply of goods and services act 1982 – most likely exists in France. The principal being that where a price hasn't been agreed then a reasonable price will be implied. You seem to have excellent evidence that the money they are demanding is not a reasonable price. They should have engaged with you the beginning and agreed a price. Their loss
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    • Just got an email from the solicitors - not sure whether they will have sent copy in Royal Mail too - just stating that they will be relying on the evidence in their "premature" WS produced back in October last year.    This is the WS that I based my formal defence/Witness statement on .   assuming they pay their fee by July, and the case goes ahead in August, it will be a simple case of persuading the judge that their lack of credit agreement and default notice are enough to win me the case?   Sit and wait  
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well the fun has begun, PRA rang me today, didn't answer went straight to voicemail and a real person left a message, the other ones have all been standard voicemails.

 

I hope they would bankrupt me, I don't have £680, really surprised With MBNA selling the debt on so early, just 4 months into default.

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let it run

I would not go BK over consumer debts, absolutely no need at all.


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

 

if everyone stopped blindly paying DCA's tomorrow

the biggest financial industry in the UK, DCA;s would collapse overnight.

 

 

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dx100uk

 

I have near £30k debt, i have no assets, I will never be able to pay this back. If I don't go bankrupt will threats or get ccj's and then threats of bailiff.

 

With bankruptcy its a fresh start after 6 year.

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not for consumer credit no.

so all the CCA requests you've sent have comeback as enforceable..have we seen them and commented?


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

 

if everyone stopped blindly paying DCA's tomorrow

the biggest financial industry in the UK, DCA;s would collapse overnight.

 

 

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All the debts are between 2 to 6 years old.

 

Very unlikely they unenforceable.

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As said earlier

But still no reason to go no

They must help you!!

 

What is the route cause of the debts Please?


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

 

if everyone stopped blindly paying DCA's tomorrow

the biggest financial industry in the UK, DCA;s would collapse overnight.

 

 

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just come back sorry for the delay in replying.

 

Personal situation changed, my expenses increased and unable to make payments

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in the debt collection section of our library

there are two letters

 

one - pro-rata - asks them to help and freeze int and charges - each debt still owned by the original creditors should have that sent.

if the OC's fail to help..there is a second letter stating sorry you've failed to help me..you'll now get £1PCM for life.

 

that process needs to be actioned on each debt.

 

 

I know you've sort of indicated what your debts are

but it will help those that want to properly advise

if you list your debts.

 

original creditor

type of credit

when takes out

how much owed

defaulted date/date of default notice from the OC

has this been SOLD to a DCA - if so who and when.

what are you currently paying.


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

 

if everyone stopped blindly paying DCA's tomorrow

the biggest financial industry in the UK, DCA;s would collapse overnight.

 

 

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