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    • If a DCA supplies a reconstituted copy of the CCA what would be the next step. It seems that a reconstituted copy must be a " true copy " of the executed agreement, it must contain the Prescribed Terms. But given that there is no copy of the applicants signature surely it could be an agreement form with the details filled in. How can it be assumed that this " copy " represents a true copy that the claimant has supposed to have signed. Cabot have demonstrated a bit of sabre rattling when they say "Until we're able to provide this information , your account is unenforceable. This means we're not permitted to obtain a County Court judgement against you . Whilst we cannot pursue legal action, your balance remains outstanding ". I looked up a case... Cabot UK Ltd  v  Bachellier (2010) which might help, but it's tough reading, I'd prefer to plough through War and Peace. This particular case with Cabot is not huge , approx' £140, but the only other worry that I have is also with Cabot...£2100. They may try to make a point with lesser case.        
    • you'll never find a court open on a w/end MB. all courts are closed Good Friday and Bank Holiday Monday. However as Andy points out, that does NOT mean you get 2 extra days to file, you get one, same as xmas/new Year. UKPC have not filed their, so no rush on yours as dave says.  
    • Top US magazine slams Britain after 14 years of Tory ‘psychodrama’ The New Yorker’s excoriating report on the state of the UK lays bare how Britain’s withdrawal from the European Union (EU) “catalysed some of the worst tendencies in British politics”. “The only way to think about it is as a psychodrama enacted, for the most part, by a small group of middle-aged men who went to élite private schools, studied at the University of Oxford, and have been climbing and chucking one another off the ladder of British public life" Top US magazine slams Britain after 14 years of Tory ‘psychodrama’ WWW.INDEPENDENT.CO.UK The New Yorker’s excoriating report on the state of the UK lays bare how Britain’s withdrawal from the European Union (EU) “catalysed...  
    • UK travellers are being caught out by post-Brexit passport rules.   When do I renew my UK passport and what is the 10-year rule? WWW.BBC.COM UK travellers have been turned away at airports because their passports are not valid for EU travel.                                   
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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.
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      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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Sister v Scabbey


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Hi can anyone help! my sister is claiming back £3,000 from the scabbey national. We sent a prelim letter and a letter before action then recieved from them a letter saying

Thank you for your letter about the charges on your bank account i have now carried out a full investigation on your behalf sorry you are unhappy blah blah blah

Then they go on to say they believe the charges are lawful and that they wont be refunding them.

 

She called them and was basically told no way will they refund them

 

Ok so what now??

court action?

any advice would be great thanks

Halifax have settled!!!!

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  • 3 weeks later...

Ok just called abbey and they said they have another 2 weeks to fob us off ect ect... gonna file mcol today.....

right thing to do? or is it worth giving them a quick call tosee if they will cough up?

Halifax have settled!!!!

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go ahead and file, ringing them,if you can get through,will not get you very far

Lloyds settled in full

£4010.02:D

 

Halifax CC settled

£417.00 :D

 

Lloyds PPI

£3672.15 Refunded off loan :D

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Sock it to them - thats what I say they don't make things easy for you and you will most likely (definately) have to take it right up to AQ and compile your court bundle before they think of settling...

 

Hang in there and don't let them put you off!

 

We all need some encouragement - dont we? lol Maz

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  • 1 month later...

They will be given another 14 days. Depending on the court you are using you may be asked to fill in an allocation questionaire when their time is up. My court has dispensed with the AQ and so not sure whats going to happen next.

:-|

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  • 2 weeks later...

Hi the court sent me a copy of abbeys defences and to say its been referred to Northampton courts, but there was no date on it, and it didn’t sat what I had to do next? I am scarred!!!

Any advice would be very welcome

Halifax have settled!!!!

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  • 3 weeks later...

Hi can anyone give me some advice

got a letter from northampton court dated 26th April saying my case had been referred there. Then on 19th May got a letter saying it has been transfered to redhill court.... THEN 23rd may got aletter saying it has now been transfered to Guildford court!!! and i still have no actual court date!! does anyone know what is likely to happen next.

Halifax have settled!!!!

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  • 3 weeks later...
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