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    • Morning dx and thank you for your message.   With regards to your comment about them not needing to produce the deed, the additional directions ordered by the judge included 'a copy of any assignment o the debt or agreement relied upon'  so that is why I thought that point was relevant?
    • Sorry for the long post but I don't want to miss out any relevant information: My wife bought a car from Trade Centre UK and have been having nothing but trouble with it. Unfortunately we paid of the finance used to buy the car as we weren't expecting this much trouble with the car as we we though we would have protection as buying from a dealer. We are wondering if we can still reject the vehicle since the finance plan has been paid off. Timeline is as follows: 13/12/2023 -15/12/2023 Bought car from Trade Centre UK for £10548 £2000 deposit paid on credit card on 13/12/2023 £8548 on finance from Moneybarn (arranged through Trade Centre UK). picked up car on 15/12/2023 Also bought lifetime warranty for £50/month 25/12/2023 Engine Management Light comes on. The AA called out and diagnosed the following error codes: P0133 - Lambda sensor (bank 1, sensor 1) Oxygen Sensor. Error Message : Slow reaction. Error sporadic P0135 - Lambda sensor heat. circ.(bank1,sensor1) Oxygen Sensor. Error Message : Component defective Due to it being Christmas took a few days to get through to them but they booked me in for 28/12/2023 to run their own diagnostics. 28/12/2023 Took car in to Trade Centre so could check the car – They agreed it was the Oxygen Sensor and Booked me in for repair on 30/01/2024. I was told they had no earlier slots, and I would be fine to carry on driving car when I said I was afraid of problem worse. During diagnosing the problem, they reset the Engine Management Light. During drive home light comes back on. 29/12/2023 - 29/01/2024 I carry on driving the car but closer to the date, engine goes to reduced power every now and again – not being a mechanic I presumed that this was due to above fault. 20/01/2024 Not expecting any more problems paid off the finance on the car using personal loan from bank with lower interest rate. 30/01/2024 Trade Centre replace to O2 sensor (They also take it on a roughly 60mile road trip which seems a bit excessive to me – I can’t prove this as something prompted me take a picture of milage when I handed car in but I forgot take one on collection – only remembered next day.) 06/02/2024 Engine goes in reduced power mode again and engine management light comes on – Thinking the Trade centre’s 28 day warranty period was over I booked the car the into local garage for the next day to get problem fixed under the lifetime warranty package. Fault seems to clear after engine was switched off. 07/02/2024 In the Morning, I take it to local garage who say as the light gone off – the warranty company is unlikely to cover the cost of the repair or diagnostics and recommend I contact them when the light comes back on. In the evening the light comes back on and luckily I manage to get it back to the garage just before it shuts for the day. 08/02/2024 The Garage sends me a diagnostics video showing a lot error codes been picked up by their diagnostics machine including codes for Oxygen sensor and Nox Sensors, Accelerator pedal and several more. Video also shows EGR Hose not connected to the intake manifold properly, they believed this was confusing the onboard system as it is unlikely this many sensors would trigger at same the time but they couldn’t be certain until they repaired the hose. 13/02/2024 Finally get the car back as it took a while to get approval and payment for the repairs from the Warranty company. Garage told me to keep an eye the car as errors had cleared with the hose but couldn’t 100% certain that’s what caused the problem. 06/03/2024 Engine management light comes on again. Fed up I go into Trade Centre as I was just around the corner when it happened and asked them how to reject the car or have the problem fixed. They insist that as it’s over 28 days I need to get the car fixed under the warranty package I purchased and they could no longer fix the car as it was over 28 days. When I tried telling them it appeared to be the same or related problem they said they couldn’t help as I hadn’t contacted them earlier. I asked them if they were willing to connect the car to the diagnostics machine and tell me what the problem was, as a goodwill gesture, which he agreed to do and took the car to the back He came back around 30 minutes later and said they took a look at the sensor they replaced previously and there was nothing wrong with it and engine management light went off when they removed the sensor to check it. When I asked what the error code he couldn’t give me an exact fault but the said it one of the problems I told him earlier (Accelerator pedal). I have this visit audio recorded on my phone – I informed the reps I was recording several times. As the light wasn’t on, local garage couldn’t book me for a repair under warranty. 07/03/2024 Light came on so managed to book back into local garage for the 12/03/2024 Whilst waiting to take car into garage, I borrowed a OBD sensor and scanned for errors on the car. This showed the following errors: P11BE – Manufacturer specific code (Google showed this to be NOX sensor) P0133 - Oxygen (Lambda) Sensor B1 S1: Response too Slow 12/03/2024 Took car to local garage and the confirmed the above errors. This leads me to believe that either Trade Centre UK reps lied and just reset the light or just didn’t check properly (Obviously I am unable to prove this) 22/03/2024 Finally got the car back as according to garage, the warranty company took a long to time to pay for the repairs 28/04/2024 Engine management Light has come back on. Using the borrowed OBD scanner I am getting the following codes: P0133 - Oxygen (Lambda) Sensor B1 S1: Response too Slow P2138 - Accelerator Position Sensors (G79) / (G185): Implausible Correlation I have not yet booked into a garage as I wanted to see what my rights are in terms of rejecting the car as to me the faults seem related. I can’t keep using taxi or train to get to work every time the car goes into the garage as it is getting very expensive. Am I right in thinking that they have used up their chance to repair when they conducted the repair end of January or when they refused to repair it in February ? If I am still able to reject the vehicle could you point to any sample letters or emails I can use. Thankyou for your advice on my next steps.
    • Ok noted about the screenshot uploads. In terms of screwing up I had one previous ticket that defaulted and ended up in a CCJ from Southend airport because for some reason during COVID I didn't receive their claim form just a notice of default. This hospital ticket was the 2nd ticket that went to CCJ due to a lack of knowledge of the process. Maybe it's easier just to pay them in future I'm thinking though, I don't get them very often anyway
    • Car maker takes a hit from weakening demand and price war in the world's largest electric vehicle market.View the full article
    • please stop posting up unnecessary unnamed screenshot files  you've done it throughout your threads and we have to renamed them. RENAME THE FILE before you upload if its just text information like a defence or a claim history or a link to a previous post  type it here not by an unnamed screenshot attachment  . sorry NM but you've been here dealing with PPC claims since 2021 somehow you always manage to screw up.......or do totally the opposite of std repeated advice on 10'000 of PPC threads here you are your own worst enemy... dx  
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    • 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 
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    • Housing Association property flooding. https://www.consumeractiongroup.co.uk/topic/438641-housing-association-property-flooding/&do=findComment&comment=5124299
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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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Akaysha V Abbey


Akaysha
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omg what do i put in them, what if i forget something or do something wrong, i've been in constant turmoil since i started this cause i am so out of my depth. Maybe i should just settle for what they've offered to save myself the grief, has anyone any advice for this super dumb female.

~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~

Preliminary letter sent 08/06/06 for £2914 plus £209.36 interest charges = total £3123.36

 

LBA sent 24/06/06

 

Claim Filed 08/07/06 for a total of £3755.76

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Yes..... carry on and don't settle for anything less.

 

Your AQ will arrive soon, when it does come back to the forum and ask for advice and it will be provided.

 

For God's sake, don't worry, it's just a formality all this hassle and threat. Remember, in order for them to win, they have to produce all the facts and figures which they can't!!!!!!!! :D

 

To calm down...... go out, buy a straw, [edit].

 

It doesn't do anything for the stress or worry, but I'd like to know what sort of sound it makes? :p

 

 

[MODERATED: Innapropriate/offensive comments removed]

srfrench :eek:

 

Fight incompetance, stupidity, greed and unfairness......There's no excuse and no place for it in society, unless they really are! :wink:

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ok i know i am so far along but what type of paperwork/stuff do i need to send to the court with the AQ?

~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~

Preliminary letter sent 08/06/06 for £2914 plus £209.36 interest charges = total £3123.36

 

LBA sent 24/06/06

 

Claim Filed 08/07/06 for a total of £3755.76

~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~

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ok going to take some valium and something for the migraine that i have somehow managed to give myself, thanks once again (though i'm being to wonder if you wear your underwear on the outside of your trousers lol, only joking). Oh should i send the rejection back straight away or wait until i can send a copy of the AQ?

~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~

Preliminary letter sent 08/06/06 for £2914 plus £209.36 interest charges = total £3123.36

 

LBA sent 24/06/06

 

Claim Filed 08/07/06 for a total of £3755.76

~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~

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ROFLMAO actually laughing here, too funny

~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~

Preliminary letter sent 08/06/06 for £2914 plus £209.36 interest charges = total £3123.36

 

LBA sent 24/06/06

 

Claim Filed 08/07/06 for a total of £3755.76

~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~

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am defo going to get me a girly avatar ! LOL.....

 

Like this one:

381880_cat%20woman%20and%20whip.gif

 

Now behave and stop hijacking threads!! ;)

Opinions given herein are made informally by myself as a lay-person in good faith based on personal experience. For legal advice you must always consult a registered and insured lawyer.

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loved the avatar, now me and Karn in the mud ring wrestling over it lol

~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~

Preliminary letter sent 08/06/06 for £2914 plus £209.36 interest charges = total £3123.36

 

LBA sent 24/06/06

 

Claim Filed 08/07/06 for a total of £3755.76

~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~

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It's Evil Karnievel! LOL!

Opinions given herein are made informally by myself as a lay-person in good faith based on personal experience. For legal advice you must always consult a registered and insured lawyer.

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Ok went and sent the rejection letter today, DLA should receive it tomorrow (Tuesday).

~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~

Preliminary letter sent 08/06/06 for £2914 plus £209.36 interest charges = total £3123.36

 

LBA sent 24/06/06

 

Claim Filed 08/07/06 for a total of £3755.76

~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~

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I sure hope so, i have just finished completing the AQ. I will get it photocopied then i will hand deliver it to the court since it is local and pay my £100 over the counter.

~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~

Preliminary letter sent 08/06/06 for £2914 plus £209.36 interest charges = total £3123.36

 

LBA sent 24/06/06

 

Claim Filed 08/07/06 for a total of £3755.76

~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~

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  • 2 weeks later...

Can anyone tell me how long it takes the courts to allocate a date after you have sent back the AQ's?

~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~

Preliminary letter sent 08/06/06 for £2914 plus £209.36 interest charges = total £3123.36

 

LBA sent 24/06/06

 

Claim Filed 08/07/06 for a total of £3755.76

~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~

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  • 1 month later...

Have just received a letter through that has set a date for court action, it says that each party has to deliver to every other party and the court copies of all documents, can a MOD please list what documents i need to send.

 

Also i received a letter stating that there is a change of solicitor that DLA is no longer acting and that they will be acting in person. That any correspondence should now be sent to Abbey National House, 2 Triton Sq, Regent's Place, London. NW1 3AN. Can a MOD let me know what this is about and if i should be even more worried than i already am.

 

Thank you in advance for your help.

~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~

Preliminary letter sent 08/06/06 for £2914 plus £209.36 interest charges = total £3123.36

 

LBA sent 24/06/06

 

Claim Filed 08/07/06 for a total of £3755.76

~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~

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What do you mean full order?

~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~

Preliminary letter sent 08/06/06 for £2914 plus £209.36 interest charges = total £3123.36

 

LBA sent 24/06/06

 

Claim Filed 08/07/06 for a total of £3755.76

~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~

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  • 2 weeks later...

Help please, time running out for me!

 

what exactly out of the cag file do i need to send off to the bank and the judge?

 

also is it only correspondence i have sent to the bank?

 

what is the latest schedule of charges?

 

and all the other stuff on that list please help urgently

 

Can a MOD give indepth advice urgently.

 

Thanks

~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~

Preliminary letter sent 08/06/06 for £2914 plus £209.36 interest charges = total £3123.36

 

LBA sent 24/06/06

 

Claim Filed 08/07/06 for a total of £3755.76

~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~

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Help please, time running out for me!

 

what exactly out of the cag file do i need to send off to the bank and the judge?

 

also is it only correspondence i have sent to the bank?

 

what is the latest schedule of charges?

 

and all the other stuff on that list please help urgently

 

Can a MOD give indepth advice urgently.

 

Thanks

 

Hi Karnevil has supplied you with all the information you require. Take time to read the information given. As Karne says you have sufficient time to submit your paperwork.

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akaysha

 

have you completed the witness statement ? I started it for you ?

 

I also pointed you to bookworms court bundle in the templates library.

 

There is a lot of information on the site regarding what you need for court and attending...and you still have two weeks.

 

`14 days before 7th December is when it needs to be in.

 

also schedule of charges (the one you sent with claim is fine_)

all correspondance (except without prejudice letters_)

 

 

I have started the filling in the witness statement but i dont know what to put into the areas where you have put etc. Also what are the actual sections of the acts and case laws i need to add to the section below? because i am just baffled whenever i go into any section or template.

 

 

b. The contractual provision that permits the Defendant to levy such charges is unenforceable by virtue of the Unfair Contract Terms in Consumer Contracts Regulations (1999), the Unfair Contract Terms Act 1977 and the Common Law. ( ADD IN THE ACTUAL SECTIONS OF THESE ACTS etc and the CASE LAWS - look in the templates library_)"

In the CAG file which sections do i print off to send to the bank and the court? or do i print all of it off and send it all?

 

In the CAG file is the latest schedule of charges the current total or the total that was originally claimed for? because the interest has made the total differ.

 

Is the statements section for my witness statement and is it for any other statement, if it is what other statement?

 

Do i leave in all of the sections of the CAG file from 'early day motion from the House of Parliament to SOGA 1982?

 

If a Mod is happy for me to call them or for them to call me then please please private message me and help talk me through this.

~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~

Preliminary letter sent 08/06/06 for £2914 plus £209.36 interest charges = total £3123.36

 

LBA sent 24/06/06

 

Claim Filed 08/07/06 for a total of £3755.76

~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~

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Still need help, please read my post previously.

~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~

Preliminary letter sent 08/06/06 for £2914 plus £209.36 interest charges = total £3123.36

 

LBA sent 24/06/06

 

Claim Filed 08/07/06 for a total of £3755.76

~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~

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I think i am getting there but still unsure but printing stuff off and hoping it works on the day.

 

1. In the CAG file i clicked on the links to OFT842 and EDM then copied these into the CAG, was this the right thing to do?

 

2. In your authorities section where do i find the item mentioned in (GG) and (HH), i have been through the CAG file several times and can't locate it.

 

Please help.

~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~

Preliminary letter sent 08/06/06 for £2914 plus £209.36 interest charges = total £3123.36

 

LBA sent 24/06/06

 

Claim Filed 08/07/06 for a total of £3755.76

~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~

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I think i am getting there but still unsure but printing stuff off and hoping it works on the day.

 

1. In the CAG file i clicked on the links to OFT842 and EDM then copied these into the CAG, was this the right thing to do?

 

2. In your authorities section where do i find the item mentioned in (GG) and (HH), i have been through the CAG file several times and can't locate it.

 

Please help.

 

 

Please help Karnevil or any other Mod that knows

~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~

Preliminary letter sent 08/06/06 for £2914 plus £209.36 interest charges = total £3123.36

 

LBA sent 24/06/06

 

Claim Filed 08/07/06 for a total of £3755.76

~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~

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Hi Akaysha,

i got those from Jonni2bads thread

http://www.consumeractiongroup.co.uk/forum/halifax-bank/3962-jonni2bad-halifax-off-court-7.html

Scroll down and youll see links to these docs.

Good Luck

LIP

ABBEY

DPALetter received by bank on 100406.

£10 Cheque cashed by shABBEY on 200406.

14 statements received between 8-10 0506.

40 day limit reached on 19/5/06.

LBA sent special delivery on 20/5/06

7 days up on the 270506 for the LBA

Prelim approach for repayment for an estimated amt sent. 14 days up on the 200606.

DPAorder for NON-Compliance served 220606. Expires 060706

Final LBA sent, 14 days will be up on the 060706.

Defence from shABBEY received for DPANon compliance 050706

Financial claim deemed served to shABBEY on the 220706

AQ for DPANon Compliance handed in to court on 24706

Defence and 50% offer for Financial claim received 140806

AQ for Financial Claim received 170806

AQ for finacial claim handed in 010906

Hearing 4 amended claim 270906

Fast track Allocation 270906

Disclosure ordered 191006

shabbey failed to disclose 191006

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thank you very much for the links they were very helpful.

 

cheers for the help so far. now to the printing and organising lol

~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~

Preliminary letter sent 08/06/06 for £2914 plus £209.36 interest charges = total £3123.36

 

LBA sent 24/06/06

 

Claim Filed 08/07/06 for a total of £3755.76

~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~

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Hey Akaysha,

Make sure you number everything b4 you photocopy. MAkes life a lot easier :).

I wrote a little lessons learned bit on my thread about court bundles. Hope it helps you.

Good Luck

LIP

ABBEY

DPALetter received by bank on 100406.

£10 Cheque cashed by shABBEY on 200406.

14 statements received between 8-10 0506.

40 day limit reached on 19/5/06.

LBA sent special delivery on 20/5/06

7 days up on the 270506 for the LBA

Prelim approach for repayment for an estimated amt sent. 14 days up on the 200606.

DPAorder for NON-Compliance served 220606. Expires 060706

Final LBA sent, 14 days will be up on the 060706.

Defence from shABBEY received for DPANon compliance 050706

Financial claim deemed served to shABBEY on the 220706

AQ for DPANon Compliance handed in to court on 24706

Defence and 50% offer for Financial claim received 140806

AQ for Financial Claim received 170806

AQ for finacial claim handed in 010906

Hearing 4 amended claim 270906

Fast track Allocation 270906

Disclosure ordered 191006

shabbey failed to disclose 191006

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