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    • Are you allowed to appeal if you plead guilty?   I know you appeal the sentence, but the criminal record formed from your guilt would surely remain?   I'm not sure if your able to appeal a crimianl record if you plead guilty are you?
    • DX: I did not pursue Link after I got the CCJ amended to monthly payments. Pretty sure the CCJ does not mention reviews, I do have the CCJ somewhere, I will have to look it up in storage. It is as mentioned on the thread you referenced  in your post #28. The Barclays loan was taken out in September 2004 for 60 months! Current Balance remaining approx £2K. On checking back my past correspondence with Barclaycard about this loan, there was a history of them ignoring my letters and offers to pay, and I even had problems in obtaining their bank account details for them to accept my payments! I have received strange correspondence from them too, one referring to insurance which I did not have. They seem very disorganised! Barclaycard told me to pay "Masterloan" a while back and I now receive regular statements and arrears notices from "Personal Loans from Barclaycard" clearly marked Masterloan, they changed the account reference number! I have never requested a CCA on this account. I advised them of my change of address last September, but they are still sending, until today, statements etc. to my old address! I have received 2 letters from Barclaycard Loan today though, not opened them yet!!
    • Yes, a few months ago. They wrote back saying there was no CCA and the debt was unenforcable. I then started gtting bombarded with threatening emails from their 'litigations team' which have been sent to spam. I've now recieved the letter before claim with the PAP form enclosed, but still no CCA or even a letter from them to say the debt is deemed enforcable. Thank you.
    • That's a shame but not unexpected.  I'm not sure about your assumed  questions because I haven't been to court but I'm not sure about not accepting a criminal record. It could be a language thing but it isn't your choice unfortunately.  HB
    • Have you previously requested the agreement by a CCA request ?
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      On 15/1/24 booked appointment with Big Motoring World (BMW) to view a mini on 17/1/24 at 8pm at their Enfield dealership.  

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    • We have finally managed to obtain the transcript of this case.

      The judge's reasoning is very useful and will certainly be helpful in any other cases relating to third-party rights where the customer has contracted with the courier company by using a broker.
      This is generally speaking the problem with using PackLink who are domiciled in Spain and very conveniently out of reach of the British justice system.

      Frankly I don't think that is any accident.

      One of the points that the judge made was that the customers contract with the broker specifically refers to the courier – and it is clear that the courier knows that they are acting for a third party. There is no need to name the third party. They just have to be recognisably part of a class of person – such as a sender or a recipient of the parcel.

      Please note that a recent case against UPS failed on exactly the same issue with the judge held that the Contracts (Rights of Third Parties) Act 1999 did not apply.

      We will be getting that transcript very soon. We will look at it and we will understand how the judge made such catastrophic mistakes. It was a very poor judgement.
      We will be recommending that people do include this adverse judgement in their bundle so that when they go to county court the judge will see both sides and see the arguments against this adverse judgement.
      Also, we will be to demonstrate to the judge that we are fair-minded and that we don't mind bringing everything to the attention of the judge even if it is against our own interests.
      This is good ethical practice.

      It would be very nice if the parcel delivery companies – including EVRi – practised this kind of thing as well.

       

      OT APPROVED, 365MC637, FAROOQ, EVRi, 12.07.23 (BRENT) - J v4.pdf
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More Than Home Insurance


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My house was burgled in the week, flatscreen tv nicked. Phoned More than to start the claim, ask me a few questions including any convictions within the last year. I answer yes with a driving conviction 4 years ago...anyway she goes away for a few secs and comes back to ask me did i declare the conviction to which i say i'm sure i did.....

At this early stage she has put a few doubts in my head. Firstly as i have renewed the cover for the last 2 years i am not sure if

a) i had to declare it, was there something i missed on the form

b) I may have declared and am worrying over nothing.

 

As we're talking two and a half years ago i am not sure wot information i gave them. i dont think i would have hidden anythng from them, hence me telling them on the phone about it when making the claim

 

If the worst comes to the worst is it my word against theirs and can i request proof of my application that i have witheld information about it?????

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If the conviction is for speeding - don't worry about it. I have looked on the proposal form and it states you don't have to tell them about it.

Abbey - owed £3260 - Paid up.

 

Barclays owed £2500 - Paid up.

 

Halifax, Mint & Egg - next on the hit list

 

Dont click on the scales - I'm quite proud of my little red dot! - As the little red dot has gone - click away!!!!

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How does a speeding offence matter? we're you doing 40 mph in your Brick & Tile semi detached house in a 30 limit? :p

 

You dont have to declare motoring offences on Home Insurance.

She aint doing her job right if she continued questioning you on it.

 

To my knowledge home insurance basic questions are "Have you ever had any criminal convictions excluding motoring", and sometimes, "ever been bankrupt"

 

They should back down and process your claim, if not remember that More th>n are an online insurer and it doesnt ask for motoring convictions online for Home Insurance.

In Insurance, thinking "It wont happen to me" could mean you dont have the cover you want at a time when you want it! - Dont always reject a Courtesy Car or Legal because you find the cost too much! Whats more valuable? YOU or the Policy Premium?

------------------------------------------------------------------------------

Please add to my reputation if my reply was informative to you. (click the scales);) Replies offered by me are not linked to anyone, and is from my own personal experience.:grin:

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  • 9 months later...

I agree with the others. If you are ever in any doubt as to whether you disclosed something you should've on a proposal form, then electronic copies of the originals are kept & all calls are recorded - so there is never a case of your word against theirs. I used to work for More Than Household Claims.

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  • 2 years later...

hi im with natwest home insurance and have accidental damage cover etc and my lad has spilled his juice in my ps3 now it wont work at all.natwest will ring me in the next 10 days but i was wondering how long it will take to sort out everything and get a new ps3 as i have never done this before?

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