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    • I have read through a number of similar threads, but one thing i'm not sure how to proceed about is that I live abroad in the middle east and have done for several years. The claim letter was sent to my parents address and I really don't want them to be harassed about this. I am sure I sent the original creditor a registered letter with my change of address but can't find this currently. I am not in a position to pay this, and tend to come back to the UK to see family at most once a year (less since Covid), so not particular bothered about my financial score...more concerned about harassment of my parents. I have not registered on the gov gateway or anything like that.  Details below (as best as i can), and thank you for taking the time to look into it. Also redacted claim form attached: Which Court have you received the claim from ? Civil National Business Centre (Northampton) If possible please scan redact and upload a full page copy of page 1 of the claim form. (not the response page or AOS) Name of the Claimant ? PRA Group (UK) Limited   How many defendant's  joint or self ? Self   Date of issue – top right hand corner of the claim form – this in order to establish the time line you need to adhere to. 23/5/24   ^^^^^ NOTE : WHEN CALCULATING THE TIMELINE - PLEASE REMEMBER THAT THE DATE ON THE CLAIMFORM IS ONE IN THE COUNT [example: Issue date 01.03.2014 + 19 days (5 days for service + 14 days to acknowledge) = 19.03.2014 + 14 days to submit defence = 02.04.2014] = 33 days in total   Date of issue XX + 19 days ( 5 day for service + 14 days to acknowledge) = XX + 14 days to submit defence = XX (33 days in total)  if your defence filing date falls on a W/End, you must file by friday @4PM Tues, 11/6/24 (19 days)  Thurs, 25/6/24 (33 days)   Particulars of Claim   What is the claim for – the reason they have issued the claim?  The Claimant claims the sum of £7926 for an outstanding debt owed. On 20/4/18 the Defendent entered into an agreement with Lloyds Bank for a Credit Card under reference [16 numbers]. On 10/5/22 the Defendant defaulted on the agreement with an outstanding balance of £7296. On 28/11/23 the debt of £7296 was assigned to PRA Group (UK) Limited, who itself assigned the debt to PRA Group UK Portfolios Ltd on 30/12/23. Notices of assignment were sent to the Defendant in accordance with S136 Law of Property Act 1925. The Claimant has instructed PRA Group (UK) to act on its behalf and the CLAIMANT CLAIMS 1. The sum of £7925   What is the total value of the claim? £8481 Have you received prior notice of a claim being issued pursuant to paragraph 3 of the PAPDC (Pre Action Protocol) ? No   Have you changed your address since the time at which the debt referred to in the claim was allegedly incurred? Yes   Did you inform the claimant of your change of address? I believe I sent a letter by registered mail of a change in address to abroad in 2021. Is the claim for - a Bank Account (Overdraft) or credit card or loan or catalogue or mobile phone account? Credit card   When did you enter into the original agreement before or after April 2007 ? After   Do you recall how you entered into the agreement...On line /In branch/By post ? Online   Is the debt showing on your credit reference files (Experian/Equifax /Etc...) ? Yes   Has the claim been issued by the original creditor or was the account assigned and it is the Debt purchaser who has issued the claim. Debt purchaser   Were you aware the account had been assigned – did you receive a Notice of Assignment? Not personally - probably sent to my parents   Did you receive a Default Notice from the original creditor? Not personally - probably sent to my parents   Have you been receiving statutory notices headed “Notice of Sums in Arrears”  or " Notice of Arrears "– at least once a year ? Not personally - probably sent to my parents Why did you cease payments? Unable to afford, living abroad   What was the date of your last payment? Unsure (probably 2021)   Was there a dispute with the original creditor that remains unresolved? No   Did you communicate any financial problems to the original creditor and make any attempt to enter into a debt management plan? No     Claim form 23-5-24.pdf
    • While we wait for someone to explain how farage is any better than sunak  .. if not worse   One of many likely upcoming belly laughs   Reform chairman Richard Tice has accused the Tories of (reform like) “dirty tricks” after one of his party’s candidates withdrew his papers to stand at the last minute and endorsed former cabinet minister Sir Gavin Williamson. In a dramatic final 24 hours before nominations closed there had been fevered speculation that as many as six Tory MPs and other candidates could defect to Reform after Nigel Farage decided to stand in Clacton and become leader. But instead no Tories switched and Tom Wellings, the Reform candidate for the new seat of Stone, Great Wryly and Penkridge in Staffordshire, quit and put out a statement endorsing Sir Gavin.   Who does he think he is an Anderson, a Carswell !!! was heard at the reform HQ pub ... as Candidate brushed aside by Farage in clacton to run as an independent    Tice accuses Tories of ‘dirty tricks’ to persuade Reform candidates to stand down WWW.INDEPENDENT.CO.UK Exclusive: A furious row has broken out after a Reform candidate’s last minute defection to the Tories   :ROFL  
    • See what you think of the attached. I have to do some proofreading of an English grammar book for an Italian publisher this weekend - for money! - so I'm afraid corrections and suggestions will come in dribs & drabs.  I've totally knackered the layout, the numbering and the order of your Exhibits but there will be several versions done so don't worry about that ATM. Your arguments are superb. What is less superb is the way you jump from one to the other and back again, so I haven't changed your words, but I have moved the paragraphs around and given each section a heading. New bits are shown in red. Crossed out crossed out in black is something you've quoted from the government Code of Practice, but that has since been withdrawn so unfortunately that argument has to go. Your paras 7 & 8 don't harm your case but to me are waffle and can go.  Keeping the arguments clear & concise will always impress a judge. IMPORTANT - did you ever send Simple Simon a CPR request?   Defendant's WS - version 2.pdf
    • Björn Ulvaeus appeared on stage in East Yorkshire at a conference held at the Bridlington Spa.View the full article
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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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The sub-postmasters scandal


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Hollinrake says Post Office Horizon inquiry has shown evidence of 'not only incompetence, but malevolence'

 

In the real world its obnoxiously likely that the actual guilty will almost certainly get away with it, with the costs born by the UK taxpayer.  'Common' murderers, liars and thieves must be really envious.

Edited by tobyjugg2

The Tory Legacy

Record high: Taxes, Immigration, Excrement in waterways, energy company/crony profits

Crumbling: Hospitals, Schools, council services, businesses and roads

If only the Govt had thrown a protective ring around care homes

with the same gusto they do around their crooked MPs

 

 “Do I want to spend every Friday for the next five years in Clacton?”

Farage, Feb 2024 talking smack about the Peninsula town

.. before he decided he wanted their votes

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I saw in the Guardian live feed that a Tory minister who was standing in for someone else said he asked to see Paula Vennells. He wanted to understand the situation better; she refused to meet him without her lawyer.

That tells us something, this isn't normal.

Illegitimi non carborundum

 

 

 

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Bates wrote to Davey on five occasions in request to meet him to discuss the matter 
Despite the ongoing prosecutions Davey refused 
As for Starmer he was DPP at the time and could have taken over the prosecutions or reviewed why so many subpostmasters had gone rogue at the same time 
He did neither 

PLEASE HELP US TO KEEP THIS SITE RUNNING

EVERY POUND DONATED WILL HELP US TO KEEP HELPING OTHERS

 

 

 

 

Any help I am able to give is from my own experience only. Should you have any doubt you should contact a qualified professional.

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And how many other ministers did AB write to? I think Davey is being used as a distraction?

Are you sure the DPP can just take over prosecutions from an institution that's done its own for 300 years?

Illegitimi non carborundum

 

 

 

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That question was covered by the inquiry's own expert counsel. It can only be done if the defendant asks the DPP to take over the prosecution from the PO, but of course none of the victims were ever told that.

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Starmers department dealt with just 11 didn't they? and 3 of those acquitted?

Starmer as head would only be directly involved with significant high profile cases or issue that raised red flags - why would less than a dozen individual cases with evidence supplied and falsely confirmed by PO staff raise flags?

Mind you - no one recently, MPs or otherwise could claim that - especially the current ministers etc involved eh?

 

Bit desperate to cloud the issue/attempt to redirect blame with smoke and mirrors as usual eh @theoldrouge The straws you clutch at dont really make much smoke or very good mirrors (except on yourself) though do they?

 

What is interesting is the arguments against a wide ranging overturning of the convictions which although some of the arguments include some relevant points - also seem little more smoke and mirrors or lack of thought.

Given the now widely known 'issues with the validity of the horizon reports and the honesty of the PO representatives - it seems quite clear to me (as already stated) that all the convictions are at the very best unsafe - and the PO can always raise charges through more normal processes if they believe they have anything genuine to support a case that any of these people were actually dishonest.

and i think one or two (very very few possible has been stated)  possibly real crims getting off lightly (temporarily) is a very small price to pay for the benefit to hundreds and hundreds of innocent victims who have suffered FAR to long

 

 

The Tory Legacy

Record high: Taxes, Immigration, Excrement in waterways, energy company/crony profits

Crumbling: Hospitals, Schools, council services, businesses and roads

If only the Govt had thrown a protective ring around care homes

with the same gusto they do around their crooked MPs

 

 “Do I want to spend every Friday for the next five years in Clacton?”

Farage, Feb 2024 talking smack about the Peninsula town

.. before he decided he wanted their votes

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Here's tonight's Graun editorial on the SPMs.

WWW.THEGUARDIAN.COM

Editorial: Compensation for innocent victims of the Post Office scandal must be accompanied by a ruthless process of holding their tormentors to account

 

Illegitimi non carborundum

 

 

 

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This is Jo Hamilton on Twitter, to Sunak and Zahawi.

'You still haven't paid to GLO group and the fact that you think throwing £75k at people will help, just shows how completely out of touch you are. Wouldn't even cover the interest on what has been stolen from them by POL'

Illegitimi non carborundum

 

 

 

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Tom Witherow in the Times is doing a lot of work on this.

'Important point when writing about Horizon scandal:
 
There are 4,000+ victims - not 'hundreds':
** 983 overturned convictions
** 2,750 HSS (lost money, weren't prosecuted)
** c. 500 more in #MrBatesVsThePostOffice group (exc OC)
** 100+ more came forward post-ITV.
 
Total = 4,333
 
ETA: Tax guru Dan Neidle says the PO don't know how many people were affected.
 
Also that some SPMs were pressured into signing draconian non-disclosure agreements [NDAs] with little or no legal advice. He thinks they should be released from the NDA obligations so they're free to speak.

Illegitimi non carborundum

 

 

 

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2 hours ago, honeybee13 said:

This is Jo Hamilton on Twitter, to Sunak and Zahawi.

'You still haven't paid to GLO group and the fact that you think throwing £75k at people will help, just shows how completely out of touch you are. Wouldn't even cover the interest on what has been stolen from them by POL'

I'm still not clear if the £75k is an interim payment or full & final.  Hollinrake said it was an 'upfront' payment so it could mean either. Either way it's a pittance in comparison to the £600k others are supposed to be getting.

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The public inquiry today has Stephen Bradshaw, PO investigator.

From the Guardian 'Bradshaw has been described as having a “heavy footprint” in the scandal after being involved in the criminal investigation of nine post office operators.'

 

Illegitimi non carborundum

 

 

 

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From what I've seen the 75K is an immediate upfront payment for those that sign up to accept the 600k offer

- still some contradiction on whether those that go for the full assessment (potentially more money) get the 75k up front  but a few I've seen certainly seem to have detailed that as being the case.

and all is taxpayer funded as far as I am aware so far.

The Tory Legacy

Record high: Taxes, Immigration, Excrement in waterways, energy company/crony profits

Crumbling: Hospitals, Schools, council services, businesses and roads

If only the Govt had thrown a protective ring around care homes

with the same gusto they do around their crooked MPs

 

 “Do I want to spend every Friday for the next five years in Clacton?”

Farage, Feb 2024 talking smack about the Peninsula town

.. before he decided he wanted their votes

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they have to sign a document stating they didnt commit the offense, so I dont think thats correct @cjcregg. It might have been tied by some to the 'automatic overturning of their convictions - which I understand has majority support across parties despite any issues like separation of politics and courts .. which is already an issue given the majority were apparently prosecuted by the PO

There was something about any real crims not applying if they didnt want too? Although I cant think why someone who was dishonest  wouldn't.

Also strange to see headlines about Fujitsu getting a bill - apart from some of their staff being involved in supporting the criminal cases against innocent staff - as the ones I've seen undoubtedly were aware of the issues. - aka perjury?

 

 

The Tory Legacy

Record high: Taxes, Immigration, Excrement in waterways, energy company/crony profits

Crumbling: Hospitals, Schools, council services, businesses and roads

If only the Govt had thrown a protective ring around care homes

with the same gusto they do around their crooked MPs

 

 “Do I want to spend every Friday for the next five years in Clacton?”

Farage, Feb 2024 talking smack about the Peninsula town

.. before he decided he wanted their votes

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Judge Wyn Williams has just told Bradshaw that he's allowed to refuse to answer a question if he thinks it could incriminate him, or words to that effect. He has lawyers in court who will be allowed to advise him today.

Illegitimi non carborundum

 

 

 

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I see what CJ means about Bradshaw. They seem to be tying him up in knots and the answers seem to indicate that he was only following orders and that a lot of his WS asserting fair investigations was written by Cartwright King who acted for POL.

And he isn't technical so he seems to be implying he didn't understand Horizon.

Illegitimi non carborundum

 

 

 

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3 hours ago, tobyjugg2 said:

they have to sign a document stating they didnt commit the offense, so I dont think thats correct @cjcregg.

 

 

The 555 aren't required to sign a statement to say they they didn't commit an offense, because no one is suggesting they did. The statement only applies to those who have been convicted and will be subject to the blanket exoneration. 

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Yes and only a handful of them were convicted as they weren't eligible for any settlement money arising from the GLO. The GLO was a civil claim and so couldn't have any effect on those with criminal convictions. 

 

 

 

Edited by cjcregg
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