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    • 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 portfolios ltd   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. 14 june 2024   ^^^^^ 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     Particulars of Claim   What is the claim for – the reason they have issued the claim? Please type out their particulars of claim in full (verbatim) less any identifiable data and round the amounts up/down. state how many digits the account number has.. The claimant claims the sum of £6823 for an outstanding debt owed. On 29/8/2013 the defendant entered into an agreement with Barclays Bank UK for a credt card under ref *********. On 22/3/21 the defendant defaulted the agreement with an outstanding balance of £7074. On 26/7.22 the debt of £6937 was assigned to PRA Group lts who itself assigned the debt to PRA group UK portfolios ltd on 30/12/23. Notices of assignement were sent to the defendant in accordance with S136 Law and Propert act 1925. The claimant has instructed PRA group UK ltd to act on its behalf in the recovery of the outstanding debt and to pursue litigation on its behalf. Payments of £103 were recieved up to 5/12/23 and adjustments have been applied in the sum of £10, and the claimant claims 1. The sum of £6823.88   What is the total value of the claim? £7378.88   Have you received prior notice of a claim being issued pursuant to paragraph 3 of the PAPDC (Pre Action Protocol) ? yes   Have you changed your address since the time at which the debt referred to in the claim was allegedly incurred? no   Did you inform the claimant of your change of address? n/a 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 ? don't recall, likely 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. assigned to purchaser   Were you aware the account had been assigned – did you receive a Notice of Assignment? yes   Did you receive a Default Notice from the original creditor? don't recall   Have you been receiving statutory notices headed “Notice of Sums in Arrears”  or " Notice of Arrears "– at least once a year ? yes   Why did you cease payments? account was marked unenforcable by PRA due to lack of cca   What was the date of your last payment? december 23   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? yes  
    • Also, what was the cost of the job which you carried out and what was the likely value of the repairs required by the snagging list
    • Thanks for your reply. After you didn't respond to the the paploc, what was their next step? Did they resend the paploc? I feel it's like others have suggested, it's a 'fish' to get someone to respond. Ref the email, I don't think I've ever had one, even when J and P took over with the first round of comms, then I received two within in a few days (both with same info) and a few days later, the J and P paploc. Any guesses what they're thinking changing between J and P to IDR and vice versa?
    • Please explain what you mean when you say that he hadn't followed pre-action protocols. How much of the original spec that you worked to do you have in writing.  Do you have photos? What other written evidence do you have?    
    • Hi. @BankFodder should be around later to advise on this, he often deals with this kind of case. As an outsider, it sounds to me as if the client could have changed his mind about what he wanted, once you'd built to the agreed spec. HB
  • Our picks

    • If you are buying a used car – you need to read this survival guide.
      • 1 reply
    • Hello,

      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.  

      Car was dirty and test drive was two circuits of roundabout on entry to the showroom.  Was p/x my car and rushed by sales exec and a manager into buying the mini and a 3yr warranty that night, sale all wrapped up by 10pm.  They strongly advised me taking warranty out on car that age (2017) and confirmed it was honoured at over 500 UK registered garages.

      The next day, 18/1/24 noticed amber engine warning light on dashboard , immediately phoned BMW aftercare team to ask for it to be investigated asap at nearest garage to me. After 15 mins on hold was told only their 5 service centres across the UK can deal with car issues with earliest date for inspection in March ! Said I’m not happy with that given what sales team advised or driving car. Told an amber warning light only advisory so to drive with caution and call back when light goes red.

      I’m not happy to do this, drive the car or with the after care experience (a sign of further stresses to come) so want a refund and to return the car asap.

      Please can you advise what I need to do today to get this done. 
       

      Many thanks 
      • 81 replies
    • Housing Association property flooding. https://www.consumeractiongroup.co.uk/topic/438641-housing-association-property-flooding/&do=findComment&comment=5124299
      • 161 replies
    • 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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Should we trust Sunak or the next PM to fix the Country's problems? (title revised 24/10/22)


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and more on Wragg, who has been allowed to resign the Tory whip, rather than be fired with a loss of all (taxpayer funded) benefits

(and thats just resign from the Tory party and his preferential seats on committees NOT as a taxpayer funded MP)

WWW.INDEPENDENT.CO.UK

Tory who admitted giving colleagues’ numbers to scammer poses for photo with security detail pinned up behind him

‘Honeytrap’ MP William Wragg accidentally reveals WiFi password during photoshoot

 

Incompetence aside, Seems basic justice that he should be sacked with loss of all benefits and prosecuted.

He quite deliberately gave MPs contact details to a clearly criminal and/or foreign power actor,

and he knew and has briefed what he should have done. NO excuses.

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

 

However bad you think things are ..

Could be worse - could be Farage

Has he moved to clacton yet?

 

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Eat your heart out @theoldrouge

WWW.INDEPENDENT.CO.UK

Pact involves cutting security waiting times but also increasing numbers sent back

The package of bills agreed promises to cut times for security and asylum procedures and increase returns to reduce unwanted immigration from the Middle East and Africa, a high priority on the EU’s agenda.

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

 

However bad you think things are ..

Could be worse - could be Farage

Has he moved to clacton yet?

 

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I see the Brexit-ish are again delaying  implementing their 'grate deal' 'protecting the UKs borders' that they pressed through with the wholehearted support of MPs like smugg - who is now one of the main moaners saying this inflation raising and business destroying 'great deal'  shouldn't be implemented.

Of course 3 of the benefits of NOT implementing the Brexitish grate deal as the Brexitish negotiated are:

 

1. Less UK businesses will collapse

2. UK inflation NOT increased by 0.6% (hence fiddling the figures to us scraping NOT being in a Brexit generated recession)

3. The problems will be dumped in labours lap after the GE

 

"Analysis by specialist credit insurance firm Allianz Trade said the removal of tariffs on the goods would reduce inflation by 0.6 percentage points, and cut import costs by close to 7 billion pounds ($8.8 billion) in nominal terms."

 

WWW.REUTERS.COM

 

 

https://www.reuters.com/world/uk/uk-economy-grows-by-01-february-2024-04-12/

 

WWW.THELONDONECONOMIC.COM

According to reports, Britain faces a £2 billion post-Brexit bill on European food imports from the end of the month.

 

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

 

However bad you think things are ..

Could be worse - could be Farage

Has he moved to clacton yet?

 

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Oh - and dont forget - under WTO RULES - NOT applying tariffs has to apply to EVERYONE who doesn't have an alternate 'deal' - and most of which existing deals will undoubtedly be cancelled if its to the other parties benefit unless the UK unilaterally drop them

The UK doesn't apply tariffs as the Brexitish are incompetent - but other countries can - What a bonus for foreigners eh Brexitish?

- all as obvious and stated years ago in the other thread.

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

 

However bad you think things are ..

Could be worse - could be Farage

Has he moved to clacton yet?

 

Link to post
Share on other sites

Slots for elephant hunters in Botswana coming up isn't there?

Only circa $45,000 dollars cost per safari - much cheaper than Rwanda eh?

 

I see the ANDERSON family is still trying up his cost .. and charge the tories

 

WWW.INDEPENDENT.CO.UK

The Conservative party have launched an investigation into the Tory councillor after her husband and Ashfield MP for Reform posted the...

 

 

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

 

However bad you think things are ..

Could be worse - could be Farage

Has he moved to clacton yet?

 

Link to post
Share on other sites

Can someone clarify the difference  between 'National Conservatism' and 'National Socialism'?

as they both seem to clearly promote racial hate and dictators among many other similarities .. its long been the case - its even the name coming out from hiding now

 

2024-04-16T113240Z_1569888363_RC2N77AQFW

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

 

However bad you think things are ..

Could be worse - could be Farage

Has he moved to clacton yet?

 

Link to post
Share on other sites

You cant fault her loyalty, I mean, the extremes shes gone to to ensure Johnson the corrupt incompetent liar doesn't stand out alone and head, shoulders and buttocks above all others as the worst PM in UK history.

- presumably paving the path to his imminent return with the new slogan 'could be worse, could be Truss'

 

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

 

However bad you think things are ..

Could be worse - could be Farage

Has he moved to clacton yet?

 

Link to post
Share on other sites

and another one

 

MP Mark Menzies loses Tory whip as party investigates claims he misused funds

"According to a source close to Mr Menzies, the MP had met a man on an online dating website and gone to the man’s flat, before subsequently going with another man to a second address where he continued drinking. He was sick at one point and several people at the address demanded £5,000, claiming it was for cleaning up and other expenses."

The sum, which rose to £6,500, was eventually paid by his office manager from her personal bank account and subsequently reimbursed from funds raised from donors

 

Never mind losing whip - how about criminal charges

 

WWW.INDEPENDENT.CO.UK

The Fylde MP is alleged to have used campaign funds to pay off ‘bad people’ and cover medical expenses

 

ALSO According to the The Times, £14,000 given by donors for use on Tory campaign activities was transferred to Mr Menzies’ personal bank accounts and used for private medical expenses.

The MP, who is one of Rishi Sunak’s trade envoys, is also said to have called his 78-year-old former campaign manager at 3.15am one day in December, claiming he was locked in a flat and needed £5,000 as a matter of “life and death”.

 

Hes supposed to use funding from Taxpayers and doners for a life of service, not funding a life of drink and debauchery

Hope his parliamentary expenses are also investigated.

 

In fact, perhaps Mr Bates next role in life should be as an independent investigator of Parliamentary expenses?

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

 

However bad you think things are ..

Could be worse - could be Farage

Has he moved to clacton yet?

 

Link to post
Share on other sites

Another one. Apparently this has been hushed up for about three months. They're working through their majority quite fast with all the sackings. Not that they've done anything about Menzies yet but he sounds like a blackmail risk.

Here's the original article.

 

 

Illegitimi non carborundum

 

 

 

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Yep - lost whip as headline says

BUT apparently after Times article on various apparent misuses of funds was scheduled .. These actions of his uncovered by the Times were last year

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

 

However bad you think things are ..

Could be worse - could be Farage

Has he moved to clacton yet?

 

Link to post
Share on other sites

Or simply hoping they would evade/fade away from public awareness with no headlines?

 

When is a labour MP referring Jenrick to police for either breaking lockdown and lying about it and/or lying about his main residence/election registration fraud

Same with satans little helper Cummings - among a number of other tory shysters

 

.. Tory MPs without whip turning into quite a large party isnt it

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

 

However bad you think things are ..

Could be worse - could be Farage

Has he moved to clacton yet?

 

Link to post
Share on other sites

I don't know how popular that would be now that time has passed.

I think a lot of people would be interested in trying to get back money from contracts supplying faulty PPE when they see people who had no experience in supplying it buying mansions. It's a mystery to me why Lady Moan is the only one being pursued.

Illegitimi non carborundum

 

 

 

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Torys seem to think its worth while - cheap muckspreading while they get away with ACTUALLY doing it?

More the aspect of ensuring that when these tactics are used without justification - make sure your people aren't doing it more and worse or their crap spread on the waters ...

- mind you, the Tories would have to maybe even ease off on their using taxpayer and donor money to fund their preferred lifestyles wouldn't they? Maybe even do the jobs they are paid for?

 

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

 

However bad you think things are ..

Could be worse - could be Farage

Has he moved to clacton yet?

 

Link to post
Share on other sites

and starmer is at last calling for police investigations into blatant Tory corruption and misuse of funds

WWW.THEGUARDIAN.COM

Labour leader says police ‘should be involved’ after Tory MP was alleged to have misused campaign funds to pay off ‘bad people’

 

 

and didnt I read just yesterday some Tory saying that taxpayers would not be bailing out mismanagement by private companies - specifically water companies - yet today:

WWW.THEGUARDIAN.COM

Exclusive: Under Whitehall blueprint for water company some lenders could lose up to 40% of their money

 

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

 

However bad you think things are ..

Could be worse - could be Farage

Has he moved to clacton yet?

 

Link to post
Share on other sites

Given Starmer's previous job he should know whether it's a police matter or not.

It's, err, interesting that Tory HO are happy to set Greater Manchester Police on Angela Rayner for £2-3k which has already been investigated but not think it's worth calling them in to investigate Menzies.

Illegitimi non carborundum

 

 

 

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Possibly some good news for young people in the UK and Europe, plus universities and employers either side of the Channel.

WWW.THEGUARDIAN.COM

European Commission to seek approval from leaders to start talks with UK on visa-free exchanges for 18- to 30-year-olds

 

Illegitimi non carborundum

 

 

 

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wont Truss, patel and the right b-ilk be utterly opposed to any co-operating with their 'mortal enemy'?

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

 

However bad you think things are ..

Could be worse - could be Farage

Has he moved to clacton yet?

 

Link to post
Share on other sites

Looks that way :-)

 

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

 

However bad you think things are ..

Could be worse - could be Farage

Has he moved to clacton yet?

 

Link to post
Share on other sites

ah - here it is - .. Yesterday

UK finance minister: Thames Water must sort out its own issues

"I make no comment on Thames because they need to sort out their own issues," Hunt told reporters during a visit to Washington when asked what a government-led administration process for Thames Water could do for investors' confidence in Britain.
"What we're never going to do for people who invest in the UK, is say that the state is going to insure you against bad decisions made by management or shareholders. That's what markets are about."
 
WWW.REUTERS.COM

 

 

 

So was the chancellor not informed of this massive encompassing plan ..  or was he lying/misleading

Today:

Thames Water nationalisation plan could move bulk of £15bn debt to state

 

WWW.THEGUARDIAN.COM

Exclusive: Under Whitehall blueprint for water company some lenders could lose up to 40% of their money

 

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

 

However bad you think things are ..

Could be worse - could be Farage

Has he moved to clacton yet?

 

Link to post
Share on other sites

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