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    • be very wary upon what you see being recently posted on here 😎 regarding KIH.... all is not what it seems...  
    • 1st - all my posts on CAG are made not only in reply to the specific issue the topic starter makes but also in a general matter to advise any future readers upon the related subject - here it is kings interhigh online school. KIH lets take this topic apart shall we so readers know the real situation and the real truth...and underline the correct way to deal with KIH. https://tinyurl.com/ycxb4fk7 Kings Interhigh Online School issues - Training and Apprenticeships - Consumer Action Group - but did not ever reply to the last post.  but the user then went around every existing topic here on CAG about KIH pointing to the above topic and the 'want' to make some form of group  promoting some  'class action' against KIH . then on the 2nd march this very topic this msg is in was created. all remarkably similar eh? all appear to be or state..they are in spain... ....as well as the earlier post flaunting their linkedin ID, (same profile picture) that might have slipped through via email before our admin killed it.., trying to give some kind of legitimacy to their 'credentials' of being 'an honest poster'....oh and some kind of 'zen' website using a .co.uk  address (when in spain- bit like the Chinese ebay sallers) they run ... and now we get the father of the bride ...no sorry...father of a child at the uk-based international school in question posting ...pretending to be not the 'other alf... do you really think people are that stupid..... ................... nope you never owed that in the 1st place... wake up you got had and grabbed the phone - oh no they are taking me to court under UK jurisdiction...and fell for every trick in the book that they would never ever put in writing that could be placed in front of a court operating under their stated uk jurisdiction wherever you live. T&C's are always challengeable under UK law this very site would not exist if it were not for the +£Bn's bank charges reclaiming from 2006> and latterly the +£Bn's of PPI reclaiming both directly stated in the banks' T&C's were they claimed they were legally enforceable ...not!! they lost big time... why? a waste of more money if you've not got a court claim....... why not use them for a good outcome...go reclaim that £1000 refundable deposit you got scammed out of . people please research very carefully ...you never know who any of these people are that are posting about kings interhigh and their 'stories' they could even be one of their online tutors or a shill . don't get taken in. dx      
    • @KingsParent thank you for sharing your experience.  I also tried contacting the CEO but didn’t get very far. Do you mind sharing his contact details?  kind regards   
    • Thank you Rocky for the clarifications though they did cause a problem at first since an original windsccreen ticket was  of a different breach some time before. The current windscreen ticket only states that you were parked there for 6 minutes which is just one minute over the minimum time allowed as the Consideration period. There is no further proof that you parked there for any longer than that is there? More photographs for example? Moving on to the Notice to Keeper-it does not comply with the Protection of Freedoms Act 2012 Schedule 4. First there is no parking period mentioned on it. there is the time 20.25 stated which coincides with the W/S ticket but a parking period must have a starting and finishing time-just one time is insufficient to qualify as a parking  period as required in Section 9 [2] [a] . Are there any different photos shown on the NTK comapared to the w/s PCN? Not that that would make a difference as far as PoFA goes since the times required by PoFA should be on the NTK but at the moment Met only appear to show that you stayed there for 6 minutes. Another failure to comply with PoFA is at S9([2][e] where their wording should be "the creditor will (if all the applicable conditions under this Schedule are met) have the right to recover from the keeper so much of that amount as remains unpaid; ". You can see on your NTK that they misssed off the words in brackets. Met cannot therefore transfer the charge from the driver to the keeper. Only the driver is now liable. Then their is the discrepancy with the post code on the NTK  HA4 0EY which differs from the post code on the contract and the Post Office Postcode Finder which both list it as HA4 0FY. As you were not parked in HA4 0EY the breach did not occur. In the same way as if you were caught speeding in the Mall in London, yet you were charged with speeding in Pall mall London [a street nearby] you would be found not guilty since though you were speeding you were not speeding in Pall Mall. I bow to Eric's brother on his reasoning on post 12 re the electric bay abuse  That wording is not listed on their signs nor is there any mention on the contract of any electric charging points at all let alone who can park there or use them. He is quite right too that the entrance sign is merely an invitaion to treat it cannot form a contrct with motorists. Also the contract looks extremely  short no doubt there will be more when we see the full Witness statement. As it stands there is no confirmation from Standard Life [or Lift !] on the contract that Savills are able to act on their behalf. Also most contracts are signed at the end of the contract to prevent either side adding extra points. So their percentage  chance of winning their case would be somewhere between 0.01 and 0.02.    
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Link/Kearns claimform - old RBS Credit Card Debt 1


Fresh1
style="text-align: center;">  

Thread Locked

because no one has posted on it for the last 222 days.

If you need to add something to this thread then

 

Please click the "Report " link

 

at the bottom of one of the posts.

 

If you want to post a new story then

Please

Start your own new thread

That way you will attract more attention to your story and get more visitors and more help 

 

Thanks

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Hi

I could really do with some help if anyone can.

 

I am 46 and a family man that has been responsible with finances forever. 

Lived beyond my means at times but liked credit and kept payments up and moved debt around.

 

Covid hit and ruined my entire life and lifes work. 

I am still fighting for survival and to keep a roof over my family whilst fighting for health and to keep some income coming in.

 

Kearns have issued 2 claims for LC Asset 2 sarl who bought two cards from Halifax.    

 

I am asking for cca's now, have a few days left to write a defence as I will do anything to fight a ccj. 

 I told them a CCJ kills me off and doesnt help me to rebuild my life to pay debt. 

 

They do not care

I need help with filling the forms and if to defend.   

I saw there was something else to ask for too?

 

All and any help appreciated

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Welcome to the forum.

 

I have moved you to Financial Legal issues forum in view of the court claims. 

Please start a separate thread for the other claim...1 claim per topic please.

 

 

Please read the following and follow the instructions. Copy the Q,s and post your answers back here same for the other claim.

 

 

We could do with some help from you.

PLEASE HELP US TO KEEP THIS SITE RUNNING EVERY POUND DONATED WILL HELP US TO KEEP HELPING OTHER

 

Have we helped you ...?         Please Donate button to the Consumer Action Group - The National Consumer Service

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please Which Court have you received the claim from ? County court business centre northampton

 

name of the Claimant ? LC Asset2sarl

 

Date of issue – 07/03/23

 

What is the claim for – 

 

1. The claimant C claims the whole of the outstanding balance due and payable under an agreement referenced (16digits) and opened effective from 02/04/2019 .  the agreement is regulated by the consumer credit act 1974 cca, as signed by the defendant and from which credit was extended to D

 

2. D failed to comply with a default notice served pursuant to s87 1) CCA and by 01/11/21 a default was recorded. 

 

3.As at 17/12/21 the defendant owed Bank of scotland plc the sum of £8946. 

 

4.By an agreement in writing the benefit of the debt has been legally assigned to C effective 17/12.21 and made regular upon D serving a notice of assignment to D shortly thereafter. 

 

And C claims -

1.  8946.   

2.interest pursuant to section 69 county courts act 1984 at a rate of 8% per annum from 17/12/21 to 07/0323 of 850 and thereafter at a daily rate of 1.89 to date of judgement or sooner payment date 07/03/23

 

What is the total value of the claim? 10331.67
 

Have you received prior notice of a claim being issued pursuant to paragraph 3 of the PAPDC (Pre Action Protocol) ? not that im aware
 

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? na


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 from memory
 

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. believe the claimant to be Lc asset 2 sarl
 

Were you aware the account had been assigned – did you receive a Notice of Assignment? no
 

Did you receive a Default Notice from the original creditor? I think so but cant be sure now
 

Have you been receiving statutory notices headed “Notice of Sums in Arrears”  or " Notice of Arrears "– at least once a year ? not sure

 

Why did you cease payments? covid devastated me financially
 

What was the date of your last payment? February 2020
 

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 and with step change but it was very short lived

 

I have done the cca letters. 

 

I saw a similar case and couldn't figure out who the lady sent the cca letters to. Luxemburg?

 

 

 

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  • dx100uk changed the title to Link/Kearns claimform - old RBS Credit Card Debt

pop up on the MCOL website detailed on the claimform.
[if mcol is not working return after the w/end or the next day if week time]
.
 register as an individual on the Gov't Gateway Site
Go to HMRC's login page.
Click the GREEN sign in button.
Click “Create sign in details”
Enter your email address where asked.
You will now be emailed a confirmation code. ...
You will now be issued with a User ID for your government gateway account.
 note down your details inc the long gateway number given, you might need it later.
 then log in to the MCOL Website
.
 select respond to a claim and select the start AOS box.
.
 then using the details required from the claimform
.
 defend all
 leave jurisdiction unticked
 you DO NOT file a defence at this time
[BUT you MUST file a defence regardless by day 33 ]
click thru to the end
confirm and exit MCOL.
..
get a CCA Request running to the claimant

.

https://www.consumeractiongroup.co.uk/topic/332502-cca-request-consumer-credit-act-1974-updated-january-2015/

..

Leave the £1 PO unsigned and uncrossed

.

get a CPR  31:14  request running to the solicitors [if one is not listed send to the claimant]
...
.[use our other CPR letter if the claim is for an OD or Telecom Debt]
.

https://www.consumeractiongroup.co.uk/topic/332546-legal-cpr-3114-request-request-for-information-when-a-claim-has-been-issued/

.

on BOTH type your name ONLY
Do Not sign anything
.do not ever use or give an email
.
you DO NOT await the return of ANY paperwork 
you MUST file a defence regardless by day 33 from the date on the claimform [1 in the count]

..............


use link financials welch address

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

DCA's view debtors as suckers, marks and mugs

NO DCA has ANY legal powers whatsoever on ANY debt no matter what it's Type

and they

are NOT and can NEVER  be BAILIFFS. even if a debt has been to court..

If everyone stopped blindly paying DCA's Tomorrow, their industry would collapse overnight... 

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  • Andyorch changed the title to Link/Kearns claimform number 1 - old RBS Credit Card Debt

Hi

thank you

its very hard to stop working and deal with these things.  
is above okay?  I only have days left I believe and I don’t know where to send CCA requests either

 

 

The court said I have till end of Tuesday to file a defence etc?

 

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16.00 tomorrow Friday 7th April (33 days from date of issue excluding the weekend)...you have acknowledged service  the claim ?

 

Please start a separate topicfor the second claim.

 

CPR 31.14 and CCA goes to the claimants named Solicitors

  • Like 1

We could do with some help from you.

PLEASE HELP US TO KEEP THIS SITE RUNNING EVERY POUND DONATED WILL HELP US TO KEEP HELPING OTHER

 

Have we helped you ...?         Please Donate button to the Consumer Action Group - The National Consumer Service

If you want advice on your Topic please PM me a link to your thread

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

DCA's view debtors as suckers, marks and mugs

NO DCA has ANY legal powers whatsoever on ANY debt no matter what it's Type

and they

are NOT and can NEVER  be BAILIFFS. even if a debt has been to court..

If everyone stopped blindly paying DCA's Tomorrow, their industry would collapse overnight... 

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Share on other sites

CCA to link at their welch address.

CPR to kearns address on claimform.

 

dx

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

DCA's view debtors as suckers, marks and mugs

NO DCA has ANY legal powers whatsoever on ANY debt no matter what it's Type

and they

are NOT and can NEVER  be BAILIFFS. even if a debt has been to court..

If everyone stopped blindly paying DCA's Tomorrow, their industry would collapse overnight... 

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Hi DX

thank you.

confused now as not sure if you mean Link financial?  Andyorch above says both to kearn solicitors. Someone on their thread said to LC Asset?

help appreciated.

 

 

 

.

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pointless sending a CCA request to luxy! in EU

link financial are asset are kearns - all members of the SAME link group of companies.

 

yes if you wish post both to kearns. but NOT in the same env!!

 

 

 

  • Like 1

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

DCA's view debtors as suckers, marks and mugs

NO DCA has ANY legal powers whatsoever on ANY debt no matter what it's Type

and they

are NOT and can NEVER  be BAILIFFS. even if a debt has been to court..

If everyone stopped blindly paying DCA's Tomorrow, their industry would collapse overnight... 

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Share on other sites

Have you made a start on your defence or found similar?

We could do with some help from you.

PLEASE HELP US TO KEEP THIS SITE RUNNING EVERY POUND DONATED WILL HELP US TO KEEP HELPING OTHER

 

Have we helped you ...?         Please Donate button to the Consumer Action Group - The National Consumer Service

If you want advice on your Topic please PM me a link to your thread

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Hi

thanks for checking in.  I read around 6 posts to the end and they all ended similarly to

mine with no examples. 
i know it sounds pathetic but I really struggle for time trying to make ends meet.

 

is there any that came to

mind that might be easier to find?

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  • dx100uk changed the title to Link/Kearns claimform - old RBS Credit Card Debt 1

1. The Defendant accordingly sets out its case below and relies on CPR r 16.5 (3) in relation to any particular allegation to which a specific response has not been made. 

  

2. Paragraph 1 is noted. I have in the past had financial dealings with Royal Bank Of Scotland. However, I am unable to recall the agreement reference referred to within the claimant's particulars and have sought further validation by way of a CCA section 78 request. 

  

3. Paragraph 2 is denied. I am unaware of any service of a Default Notice (s) pursuant to section 87 of the consumer credit act by either the original creditor or assignee. 

  

4. Paragraph 4 is denied I have no knowledge of any legal assignment. I have never been served any Notice of Assignment from either the original creditor or the claimant pursuant to the Law of Property Act 1925. 

  

6. On (DATE) I sent a Civil Procedure Rule 31.14 letter to Kearns Solicitors. I requested they provide copies of the Agreement, Default Notice, Notice of Assignment and Statement of Account. To date Kearns Solicitors have not sent any of these documents to me. 

  

7. On (DATE) I sent a formal request for a copy of the original agreement and statements of account to (who) pursuant to section 78 of the Consumer Credit Act 1974 along with the statutory £1 fee. To date the Claimant has failed to comply with s78 (1) Consumer Credit Act 1974 and by virtue of s78 (6) Consumer Credit Act 1974 cannot enforce the agreement. 

  

8. It is therefore denied with regards to the Defendant owing any monies to the Claimant, the Claimant has failed to provide any evidence of assignment/balance/breach requested by CPR 31. 14, therefore the Claimant is put to strict proof to: 

  

(a) show how the Defendant has entered into an agreement; and 

(b) show and evidence the nature of any breach and Default Notice; 

(c) show how the Claimant has reached the amount claimed for; and 

(d) show how the Claimant has the legal right, either under statute or equity to issue a claim; 

  

9. As per Civil Procedure Rule 16.5(4), it is expected that the Claimant prove the allegation that the money is owed. 

  

10. By reasons of the facts and matters set out above, it is denied that the Claimant is entitled to the relief claimed or any relief. 

 

fillin the info

will do for both your claims

 

did you send CCA/CPR on both claims off ?
 

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

DCA's view debtors as suckers, marks and mugs

NO DCA has ANY legal powers whatsoever on ANY debt no matter what it's Type

and they

are NOT and can NEVER  be BAILIFFS. even if a debt has been to court..

If everyone stopped blindly paying DCA's Tomorrow, their industry would collapse overnight... 

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Just copy and paste from here into mcol 

On both job done.

 

Then please get reading up here!!

 

Dx

 

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

DCA's view debtors as suckers, marks and mugs

NO DCA has ANY legal powers whatsoever on ANY debt no matter what it's Type

and they

are NOT and can NEVER  be BAILIFFS. even if a debt has been to court..

If everyone stopped blindly paying DCA's Tomorrow, their industry would collapse overnight... 

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  • 3 weeks later...

Hi all 

was waiting to hear back and low and behold.

registered CCJ

everything was sent on time to both parties

letter is from County Court Business Centre, Northampton.

says I did not reply and that I must pay £10,452.48

Great to get home and see this.   
I’m hoping there is a way to overturn the decision?

Help appreciated once again

ps: the letter will not upload from camera or photo album 

 

 

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use pdf.

 

pop up on mcol

what does the status say about your defence? date filed?

did you receive a letter from the court acking your defence?

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

DCA's view debtors as suckers, marks and mugs

NO DCA has ANY legal powers whatsoever on ANY debt no matter what it's Type

and they

are NOT and can NEVER  be BAILIFFS. even if a debt has been to court..

If everyone stopped blindly paying DCA's Tomorrow, their industry would collapse overnight... 

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so it says nothing about you filing your defence?

 

your AOS is listed under status?

copy and paste the status page here

 

either you didnt do it properly nor checked afterwards that it was listed on the status or you didnt follow the guide upon how to file it.

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

DCA's view debtors as suckers, marks and mugs

NO DCA has ANY legal powers whatsoever on ANY debt no matter what it's Type

and they

are NOT and can NEVER  be BAILIFFS. even if a debt has been to court..

If everyone stopped blindly paying DCA's Tomorrow, their industry would collapse overnight... 

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Share on other sites

Thanks for the replies.   I have called the court.  One claim has no judgement but could not see the defence.

 

The judgement I received , there was no defence filed.  I had to file by email so I have receipts from their system to say it was sent and received on time.  I did this as their own member of staff admitted that the system was playing up and gave me the email to send to instead.

 

The lady there said it should be fine to set aside themselves once they receive the screen shots of my emails (sent and received)

 

Scanned my ccj letter but saved as image only and wont upload still.  Will convert to pdf

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right makes sense now

court error.

so you shouldnt need to pay a thing.

 

why cant they simply reset the judgement and send the claimant/you n180's out its their mistake......

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

DCA's view debtors as suckers, marks and mugs

NO DCA has ANY legal powers whatsoever on ANY debt no matter what it's Type

and they

are NOT and can NEVER  be BAILIFFS. even if a debt has been to court..

If everyone stopped blindly paying DCA's Tomorrow, their industry would collapse overnight... 

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  • 2 months later...

Hi All

no news from the court yet unfortunately.

 

however Linkfinancial has sent 2 big letters for the two accounts. Both have T’s and C’s copy of default, notice of assignment and statements.

both have the same hand signed agreement in 2008.  I definitely did not open both at the same time.  It states in one agreement that one was opened in 2019.

both are halifax

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Scan redact and upload copies.

We could do with some help from you.

PLEASE HELP US TO KEEP THIS SITE RUNNING EVERY POUND DONATED WILL HELP US TO KEEP HELPING OTHER

 

Have we helped you ...?         Please Donate button to the Consumer Action Group - The National Consumer Service

If you want advice on your Topic please PM me a link to your thread

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