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    • Great thanks, will leave 2 in then, replace 3 and I think its good to go.    This is exactly what I have in my word file ready to send, I think im happy with it and can send to mcol monday morning. Any further thoughts or things to update please let me know.   Again thank you both for your help, really is priceless.         Defence:   1.     The Defendant contends that the particulars of claim are vague and generic in nature. 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.     The Claimant has not complied with paragraph 3 of the PAPDC (Pre Action Protocol) Failed to serve a letter of claim pre claim pursuant to PAPDC changes of the 1st October 2017.It is respectfully requested that the court take this into consideration pursuant to 7.1 PAPDC.   3.     Paragraph 1 is noted. It is accepted I have in the past had agreements with New Day LTD RE Aqua. I do not recall the precise details or agreement nor the claimant either having failed to plead an agreement/account number within its particulars of claim and have therefore sought verification from the claimant.   4.     Paragraph 2 is noted but until such time the claimant can clarify the agreement account number any breach has yet to be proven.      5.     I am unaware of any legal assignment or Notice of Assignment allegedly served by either the Claimant or New Day LTD RE Aqua pursuant to the Law of Property Act 1925.   6.     It is denied with regards to the Defendant owing any monies to the Claimant. The Claimant has failed to provide any evidence of the Agreement/Assignment/Default notice or Termination requested by CPR 31. 14, and will shortly be in default of my section 78 request, 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 breach and service of a Default Notice pursuant to sec 87(1) CCA1974 on which the Termination referred to relies upon. (c)   show how the Defendant 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;   7.     As per Civil Procedure Rule 16.5(4), it is expected that the Claimant prove the allegation that the money is owed.   8.     On the 17th of November I requested to The Claimants Solicitors, Mortimer Clarke by way of a CPR 31.14 copies of the documents referred to within the Claimants particulars to establish what the claim is for. Mortimer Clarke have failed to fulfil my CPR 31:14 request.   9.     On the 16th of November I made a section 78 legal request to the claimant for a copy of the Consumer Credit Agreement. The claimant has as of of 06/12/21 failed to comply.   10.  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.
    • Hi just a quickie   Now in reference to my Post#2 here have they actually provided you with those policies that I pointed out and importantly a copy of there Public Liability Insurance?   If they haven't   Make sure and send them a little reminder adding to the letter in Post#32 that so far they have failed to provide these and you require clarification as to their reason for this failure     Dear Sir/Madam   Complaint Reference: XXXXXXXXXXXXXXXXXXX   Further to my recent letter about this matter Dated XX/XX/2021 I would also like to add that so far you have still failed to provide the following:   Copy of your Compensation Policy (not the leaflet) Copy of your Complaints Policy (not the leaflet) Copy of your Customer service Charter/Policy (not the leaflet) Copy of your Public Liability Insurance (not the leaflet) Copy of Repairs an Maintenance Policy (not the leaflet)   I asked for these is my letter to yourselves dated XX/XX/2021, to date you have failed to respond to this request nor is the Housing Association being Open and Accountable to it's Service Users and I require full clarification for the reason for this failure and when you are going to provide what I have requested.   If you refuse to provide these I require full clarification as to your reason with links to the relevant legislation and exactly which parts you are relying on for your refusal of my request.     Note: If they have answered this please ignore but from your responses I think they have tried to ignore this so you add this to put a rocket up their 'beep' so to speak.   You are more than welcome to the help it's what we are here for, you just look after yourself and take care     
    • The DVLA know less about POFA than my dog that died twenty years ago. They also never admit they have made an error.   Trading Standards would probably be a better avenue for you either on Council inaction on no pp thus appearing to aid and abet a PE scam, condoning PE committing an offence and allowing them to rip off the Council customers as well as financial impropriety by not insisting that PE pay for the requisite fees for permission. You could also complain to the ICO on the same grounds and get two investigations going.
    • I am surprised that POPLA found that your appeal had failed when Initial's response to the appeal had been withdrawn. There was no need for them to adjudicate. POP.LA should have agreed that you had won your appeal. I wonder if Initial  knew something that you and obviously POPLA didn't.  Ignore DRP. I was going to advise  you  write to Initial stating that as they had withdrawn their PCN on appeal so if DRP were acting on instructions from Initial they have breached your GDPR. However on second thoughts you may be best to send them a SAR first to get confirmation that they had withdrawn their claim before going for the breach.
    • so the eon A/C was never in her name anyway?
  • Our picks

Hedgey v NatWest **WON**


hedgey06
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Lol............... thanks Guidot, and even I don't know what half this thread's got on it !!!!

 

Do you know what I think did it though??? Applying to have their defence struck out as an abuse of process and requesting the draft order for directions. They caved with Steven on this two weeks ago.......... looks like they don't like having the heat turned up on them!!!!!!!

 

God............ this feels soooooooooooooooo goooooooooooooooooood!!!!!!!!!!!!!!!! xxxxxxxxxxxxxxx

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H E D G E Y

WOOOOOOOOOOOOOOOHOOOOOOOOOOOOOOOOOOOOOOO

COULDN'T HAVE HAPPENED TO A NICER PERSON

C O N G R A T U L A T I O N S H U N N Y

XXXXXXXXXXXXXXXXXXXXXXXXXXXXXXXXXXXXXXXXXXXXXXXXXXXX

I won against MBNA, Nat West , Barclays, Barclaycard and PPI payments from Barclaycard

Abbey National still to go.... what will I do with my spare time?

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Standingup................. hi honey!!!!!

 

Thank you soooooooooooooooooooooooooo much!!!!!! I'm so glad you've just posted ................. you've been here from the start as well!!! Thanks honey................ we're both back on top now eh?! Lots of love to you xxxxxxxxxxxxxxxxxxxxxx

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Lol........... I can feel a moment of utter madness coming on meself!!!! I'm getting worse by the minute.............. I'm not being at all dignified at the moment!!!!!!!!! Roll on Halifax credit card, nat west credit card............. and possibly the old joint account that hubby didn't put in his bankruptcy!!!!!!!!!!!!!

xxxxxxxxxxxxxxxxx

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A likkle birdy told me that a certain Sonic had won today, hey well done hun!

 

I got my chq this am, but the flamin Shabby won't take it cos it's got an account number on, so have got to wait for another one!

 

Anyway well done, congrats and all that stuff!

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Awwww............. thanks Delta!!!!

 

I've just checked my cheque and it only says A/C Payee................. so I'm off to try (again!!) to open a basic bank account to stick it in!!! Lol........... I'm determined to see a bit of this cash rather than hand it straight back to nutty west!!!!

 

Thanks hun, lots of love xxxxxxxxxxx

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Congratulations and Celebrations to you Hedgey. You have come such a long way and now its your turn. WELL BL**DY DONE..

Especially for you,

 

YouTube - "Congratulations"- Cliff Richard

A person is only as big as the dream they dare to live.

 

 

Good things come to he who waits

 

 

Its your money taken unlawfully from your account and you have a legal right to claim it back.

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OH MY GOD!!!

I CANNOT BELIEVE THEYVE FINALLY GOT THEIR ACT TOGETHER WITH YOUR MONEY!!

FLIPPING WELL DONE HEDGEY ,COULDNT HAVE HAPPENED TO A NICER PERSON!!

XXXXXXXX

additions direct-no CCA

marshall ward-no CCA

next-CCA turns up after they have committed offence,(30 days) S.A.R - (Subject Access Request) time!

monument -CCA not signed reported to TS for harrassment 1st letter sent TS are useless

associates visa-no CCA

think there might be a pattern here!?:lol:

GE Money- won

barclaycard-- N1 put into court

capital one - won

NatWest- won

 

never lose sight of your goal!

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OMGOOWD hun, just read you've ****WON**** at last, this thread was just about to become a best seller lol.......... so happy for you--- hope it's the same for me soon!!!!!! well you'll definately enjoy our little night out on 11/8 drinks on Hedgey me thinks,no need for the "meths " now then lol!!!!!!!!!! congratts again keep posting your little pearls of wisdom coz some of us really need them!!!!!!!!!!! enjoy the "dosh" loads of LV w.g XXXX:D :D

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Parkie, Archer, Welshgirl, Oggy, Dippy .............. thanks guys!!! And I love me singin' Cliff Richard Parkie!!!! :D :D

 

I'll deffo be buying a round on our night out - water all round (gotta push the boat out haven't you)!!! :D :D

 

Cheers everyone............. I couldn't have done this without your support all these months. You're all superstars on here - loads of love to you all xxxxxxxxxxxxxxxx

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Lol enaid............... not yet hun, but I do intend to partake in a bit of the old ribena as soon as I pick me curry up!!! We're having Friday night tonight instead of tomorrow............... and hubby's just as blo*dy giddy as I am!!!! LMAO at him................. he's been dancing round the living room since he got home from work!!!!!!!!!! xxxxxxx :D :D :D

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Oh he of little faith indeed!!!! He's eating his bl*ody words now hun, let me tell you!!!

 

He came out with a classic before............ "knew you'd do it sweetie - I had every faith in you"!!!!! Grrrrrrrrrrr.............. muppet he is!!! I've forgiven him now though lol!!!!!!! xxxxxxxxxx :D :D ;)

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Well oh well, finally you have got the result we all hoped for, HEDGEY`S WON. There can be no one on this forum deserves this more than you. Thanks for all your help, hope your staying on to keep us all on the right track. bob m x

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Bob!!! You're back!!!!

 

Thanks hun........... thanks loads!! And I'm not going anywhere........... I've gotta see your thread turn to won yet - which it will soon!!!!!! xxxxx :D :D :D

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Well done hedgey. I was going to keep an eye on your thread anyway. Great to see that they've coughed up. My 28 days from MCOL is on the 28th and i haven't had anything from Cobnuts yet, so I am standing by. Well done again. Mancmaid x

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Hi Hedgey - A well deserved win - CONGRATULATIONS! Look out for that tooth though when you're gobbling that curry - hey ho - at least you can afford one of those rip-off dental appointments now! No really, no one deserves it more!

 

By the way, what about this announcement of a test case in the High Court - do we need to be concerned?

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Thanks mancmaid............. and don't worry! They'll submit one of their templates (sorry, defences!) by or just after the 28th........... and you will win!!! Honest!!!! xxxxxx :D :D

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fantastic

 

Congratulations :D :D :D

 

Hope the twice payment is being processed right now...

 

Well done ............. Chuffed to bits for you............

I Wish you everything you wish yourself.

 

NatWest Claimed £1,639. Accepted £1,344.

Natwest Paid me again as GOGW £1,656. Yes they can have it back if they say please.

Barclays 1 Claimed £1,260. Won by default. Paid in full

Barclays 2 Claimed £2,378. Won by default. Paid in full

Birmingham Midshires. Claimed £2,122. Accepted £2,075.

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