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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.    
    • @dx100uk no, haven’t received any correspondence as of yet. Still waiting on a court date but seems to be taking forever. Have noticed an increase in unhappy customers on here
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Perch/TM Claimform - OH's old MyJar PDL Debt


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  • dx100uk changed the title to Perch/TM Claimform - OH's old MyJar PDL Debt

please complete this:

 

 

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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Which Court have you received the claim from? MCOL Northampton N1 

     Name of the Claimant ? Perch Capital Limite via TM Legal 

  How many defendant's  joint or self ? Self 

  Date of issue – 1st June 2023 

  Date to acknowledge) = 19 June 2023 +

Date to submit defence = 03 July 2023 

 

  What is the claim for –

1. The claimant claims payment of an overdue balance in the sum of £1180.17 incurred by the defendant under a MyJar Ltd unsecured loan with account number XXXXXXXX

2. The defendant failed to maintain payments in line with the agreement and the account has now matured.

3. The account was then subsequently assigned to the claimant and the defendant has been given notice of the accounts assignment.  

 

What is the total value of the claim? £1340.17 

Amount claimed 1180.17
Court fee 80.00
Legal representative's
costs 80.00
Total amount 1340.17

  

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?  Payday loan 
  

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 ?  I believe online as they are online only.  
  

Is the debt showing on your credit reference files (Experian/Equifax /Etc...) ?  Not sure 
  

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 a debt purchaser 
  

Were you aware the account had been assigned – did you receive a Notice of Assignment?  Cannot recall it. 
  

Did you receive a Default Notice from the original creditor? No 
  

Have you been receiving statutory notices headed “Notice of Sums in Arrears” or " Notice of Arrears "– at least once a year? Only this year 

 

Why did you cease payments?  Hardship  
  

What was the date of your last payment? Cannot remember. During the past 3 years I believe. 
  

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. Redacted pdf (1).pdf

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Is the debt showing on your credit reference files (Experian/Equifax /Etc...) ?  Not sure 

 

Please check only takes a few clicks.

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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Hi Andy

Just looked, it is by the Original Creditor and account closed in 2019. MyJar no longer exist. Dissolved in April following administration from 2020. 

Do I cpr and Section 78 these now?

Thanks.

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

.
.use our other CPR letter if the claim is for an OD or Telecom Debt or Util 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]

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


 

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 weeks later...

Please see below my draft defence which needs to be filed soon.

Particulars of Claim for reference only

 

1. The claimant claims payment of an overdue balance in the sum of £1180.17 incurred by the defendant under a MyJar Ltd unsecured loan with account number XXXXXXXX

2. The defendant failed to maintain payments in line with the agreement and the account has now matured.

3. The account was then subsequently assigned to the claimant and the defendant has been given notice of the accounts assignment.  

 

What is the total value of the claim? £1340.17 

 

Defence

 

1. The Defendant contends that the particulars of the claim are vague and generic in nature. The Defendant accordingly sets out its case below and relies on CPR 16.5 (3) in relation to any particular allegation to which a specific response has not been made.  
 

2. Particulars of Claim are noted although the Defendant is unaware of what alleged agreement the Claimant refers to, having failed to adequately particularise its claim, the particulars of claim are vague and generic in nature. The Defendant therefore sought clarification by way of a CPR 31.14 and section 77. To date there has been no response to this. 
 

3. Parts 2 is noted. The Claimant alleges the agreement was breached and the account has matured with no mention of the service of a Default Notice pursuant to sec87 of the CCA1974 or Notice of Sums in Arrears pursuant to sec 86B(2) of the CCA1974 from the original creditor or assignee to the Defendant. Without knowledge of what the alleged agreement refers to the defendant is unable to admit or deny.  
 

4. Part 3  The claimant refers to the alleged debt as being Assigned. The Defendant is unaware of any legal assignment or Notice of Assignment from assignor or assignee pursuant to the Law of Property Act 1925 s136.  
 

5. On receipt of this claim the defendant requested by way of CPR 31.14 and a section 78 dated the 6th and the 14th June 2023 respectively, in which requests for copies of any documents referred to within the Claimants particulars to establish what the claim is for within the 14 day period by way of a letter. The Claimant has yet to confirm they do or do not have the relevant documents at this stage and are therefore unable to enforce the agreement in court.  
 

6.The defendant denies owing any monies to the Claimant and the Claimant is put to strict proof to:  

 

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

b) Show how the Defendant has reached the amount claimed; and  

c) Show and evidence the service of a Default Notice pursuant to sec 87(1) CCA1974,  

d) Show how the Claimant has the legal right, either under statute or equity to issue a claim.  
 

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

8. On the alternative, if the Claimant is an assignee of a debt, it is denied that the Claimant has the right to lay a claim due to contraventions of Section 136 of the Law of Property Act 1925 and Section 82a of the Consumer Credit Agreement Act 1974.  
 

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

 

any feedback would be great.

 

Thanks

 

 

.

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Just a few tweaks in red, rest looks fine.

 

Andy

  • Like 1

We could do with some help from you.

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  • 3 weeks later...

What a vile bunch these are...

A letter saying my defence is only a consumer site template and is invalid.

They are threatening to claim over a grand in costs in court unless I withdraw it.

Does the Agreement they sent need an ip address and checkbox on it?

I have another little nugget ready but i wont mention it here as I think they are actually following it. disgusting bunch.

they are also using a different email address to the one on the initial loan, one that doesn't belong to my OH.

Breach of Data Protection that? 

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Threaten what they wish costs are fixed in small claims track....if they are confident in their claim why threaten anything and request you withdraw your defence,

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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you need to kill that email use...send a reply saying Email is NOT to be used regarding our mutual court claim.

std willy waving stuff they always send if you read a good few like threads 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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it doesnt but how can they prove where it was signed up from and not ID theft or WHY?

send that email kill the backdoor harassment as they might use that to file fake doc 1 min before any court deadline removing you/her from a counter attack.

so they have sent docs too???

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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Share on other sites

nope just reply as i've said

have they sent copies of the agreement/old letters like default notice/statement etc??

or do you mean they are simply sending threat-o-grams via email?

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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Share on other sites

they have sent numerous threats, lies about a CCJ already been issued so pay it now etc.... Statements of arrears which include name, account numbers, lender details and amounts borrowed allegedly. All this to an email address she isn't connected with. That's a breach of GDPR.

 

I will email them now though.

 

They sent agreements and DN etc via Royal Mail.

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It would be far more productive if you scanned redacted and uploaded exactly what you have received documents wise in connection to the claim rather than emailing all the world and his dog and making complaints which will have no bearing on the outcome the claim.

 

Andy

  • 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 you ONLY need to redact name address agreement no. etc not ALL dates and figures...

leave everything else

is that a typed name in the signed online and what is after the date ...you keep hiding everything...

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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its over 2 scans

can you just rescan that whole page please

there should be a tick box and a printed name date time etc

else who signed up to it, on what device and where where the hell were they in the world....??

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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