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    • So @theoldrouge where was farage during the D-day honors/remembrance ? He was quick to trash Sunak - but at least sunak showed his face heh?   Sunak perhaps needs to slip some dosh to led by donkeys to fund some banners in Clacton heh? Suggestions: D-day - Sunak maybe ran, but Farage never even showed Farage I'm the only one who can change my mind - dont you plebs think you can Clacton, who wants to spend time in Clacton? 48/52 is unfinished business - ooops eerrrr no it is  ...  err well unless is what I lose by Reject me 1 times shame on you, Reject me 7 times shame on me    
    • Yep let us have a good laugh eh from today’s Telegraph 🤣😂🤣 the rest must try harder    Farage won Friday’s election debate, a poll finds Nigel Farage won Friday night’s seven-way BBC election debate, according to a poll.  A snap poll of 1,031 voters by More in Common found most thought Mr Farage won the debate, followed by Angela Rayner. Mr Farage received 25 per cent of the vote while Ms Rayner received 19 per cent. The Green Party’s Carla Denyer was the third most popular with 11 per cent, Stephen Flynn for SNP received 10 per cent and Penny Mordaunt, the leader of the House of Commons, took 7 per cent of the vote. Daisy Cooper, the deputy leader of the Liberal Democrats and Plaid Cymru’s Rhun ap Iorwerth took 5 per cent and 2  per cent respectively. The debate saw Britain’s main seven political parties clash ahead of the general election on July 4.  Mr Farage, who returned to frontline politics for Reform this week and is standing as an MP in Clacton, challenged his political rivals on immigration and net zero policies.
    • Hi CAG Team, I'm seeking your skills and help for a NtK my partner received through the post earlier this week. To give a little backstory, my partner and I, along with our young children (4 and 7), decided to go on a camping holiday about 3 hours away from us. We took a car each because we didn't have enough room in one car. We arrived at the services at very similar times as we followed each other the whole way. So, two cars. My partner has received this NtK, but I haven't. This NtK dropped through the front door on Wednesday, June 5, 2024.  We both parked in the Burger King car park, not in BP; we got out, all went for a toilet break, got some food from the BP garage and returned to our cars to eat.  After eating, we took the kids to the toilet again before leaving to complete our journey. I didn't notice any parking restriction signs and can't get back to the location due to how far away it is. I noticed another person had an issue here and reported it to you, and they managed to get the charge dropped. See below. To me, it looks like they have cameras at the complex's entrance and exit. I'm not sure if they own the land/car park by Burger King, I'm not sure if this is a legal contract or not.  I find that 30 mins limit at a Services that serves hot food to be ridiculous and unfair, especially as we had kids to feed and water.  And the fact that I didn't receive the same NtK despite us driving in and out together is just crazy. This is the location - I also uploaded a map image. Google Maps MAPS.APP.GOO.GL ★★★☆☆ · Restaurant 1 Date of the infringement 24th May 2024 2 Date on the NTK [this must have been received within 14 days from the 'offence' date] 29th May 2024 3 Date received 5th June 2024 4 Does the NTK mention schedule 4 of The Protections of Freedoms Act 2012? [Y/N?] N 5 Is there any photographic evidence of the event? Y - Only entering and exiting the complex/land. 6 Have you appealed? [Y/N?] post up your appeal] N 7 Who is the parking company? MET 8. Where exactly [carpark name and town] BP Blue Boys, Tonbridge TN12 7HE For either option, does it say which appeals body they operate under. POPLA I hope you can help me out with some guidance on how to proceed with this. Let me know if you need anything else. Thank you, Passerby0233 2024-06-08 13_17_52-Burger King - Google Maps — Mozilla Firefox.pdf NtK_29-05-2024.compressed.pdf
    • Which Court have you received the claim from ? Civil National Business Centre (Northampton) Name of the Claimant ? PRA Group (UK) Limited How many defendant's  joint or self ? Self Date of issue – 23/5/24 AOS - Tues, 11/6/24 (19 days)  Defence - Thurs, 25/6/24 (33 days) Particulars of Claim 1. The Claimant claims the sum of £7926 for an outstanding debt owed. 2. On 20/4/18 the Defendant entered into an agreement with Lloyds Bank for a Credit Card under reference [16 numbers]. 3. On 10/5/22 the Defendant defaulted on the agreement with an outstanding balance of £7296. 4. On 28/11/23 the debt of £7296 was assigned to PRA Group (UK) Limited, who itself assigned the debt to PRA Group UK Portfolios Ltd on 30/12/23. Notices of assignment were sent to the Defendant in accordance with S136 Law of Property Act 1925. The Claimant has instructed PRA Group (UK) to act on its behalf and the CLAIMANT CLAIMS 1. The sum of £7925 What is the total value of the claim? £8481 Have you received prior notice of a claim being issued pursuant to paragraph 3 of the PAPDC (Pre Action Protocol) ? No Have you changed your address since the time at which the debt referred to in the claim was allegedly incurred? Yes Did you inform the claimant of your change of address? I believe I sent a letter by registered mail of a change in address to abroad in 2021. 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 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. Debt purchaser Were you aware the account had been assigned – did you receive a Notice of Assignment? Not personally - probably sent to my parents Did you receive a Default Notice from the original creditor? Not personally - probably sent to my parents Have you been receiving statutory notices headed “Notice of Sums in Arrears”  or " Notice of Arrears "– at least once a year ? Not personally - probably sent to my parents Why did you cease payments? Unable to afford, living abroad What was the date of your last payment? Unsure (probably 2021) 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 ................... I have read through a number of similar threads, one thing i'm not sure how to proceed about is that I live abroad in the middle east and have done for several years. The claim letter was sent to my parents address and I really don't want them to be harassed about this. I am sure I sent the original creditor a registered letter with my change of address but can't find this currently. I am not in a position to pay this, and tend to come back to the UK to see family at most once a year (less since Covid),  not particular bothered about my financial score...more concerned about harassment of my parents. I have not registered on the gov gateway or anything like that.  Details below (as best as i can), and thank you for taking the time to look into it. Also redacted claim form attached: Claim form 23-5-24.pdf
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      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.  

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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.

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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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Ready Barclaycard?


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Sent DPA request. Two claims settled so feeling inspired.

Woolwich won in court/default removed Barclaycard Settled Halifax settled

Capital 1Settled GE Money Settled

Egg Settled-court action re.default 4th hearing!

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  • 2 weeks later...

Thats it, received all data, left outside by postman. Totals £260- + interest. Prelim. letter on its way.

Woolwich won in court/default removed Barclaycard Settled Halifax settled

Capital 1Settled GE Money Settled

Egg Settled-court action re.default 4th hearing!

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Are you saying your postman left all your 'statements' outside your house ? Seen as this is confidential information that could of got into the wrong hands by his actions then I would be also writing a stiff letter to the P.O.

When you want to fool the world, tell the truth. :D

Advice & opinions of Janet-M are offered informally, without prejudice & without liability. Use your own judgment. Seek advice of a qualified insured professional if you have any

doubts.

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yep... left outside on porch no note to say it was there . So discreetly tucked in corner don't know how I spotted it myself, LOL.

Woolwich won in court/default removed Barclaycard Settled Halifax settled

Capital 1Settled GE Money Settled

Egg Settled-court action re.default 4th hearing!

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  • 3 weeks later...

sent prelim letter, later letter before Action. I am claiming £260. plus interest. I have today received a reply from the Customer Relationship manager.

Main paragraph

"However, as a goodwill gesture and without any admission of liability Barclaycard is prepared to credit to your account the difference between the charges you have incurred and the £12. fee recommended by the OFT. In accordance with the charges incurred this would be £104.00. The adjustment will be confirmed on your July 2006 statement.

 

Clarification etc.......

 

any views??????

Woolwich won in court/default removed Barclaycard Settled Halifax settled

Capital 1Settled GE Money Settled

Egg Settled-court action re.default 4th hearing!

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  • 4 weeks later...

Barclaycard refunded the amount they offered to my card. I haven't acknowledged letter or offer! I am continuing with my claim, and have now received an acknowledgement dated 24th July......

Woolwich won in court/default removed Barclaycard Settled Halifax settled

Capital 1Settled GE Money Settled

Egg Settled-court action re.default 4th hearing!

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  • 3 weeks later...

I have now received a defence from Barclays- They have told me that I have not provided details of the precise charges to be unlawful, or the date thereof. ( I did provide a schedule of charges) Goes onto say...Accordingly, this defence is summary in the nature and the Defendant reserves the right to amend the statement in due course. It is averred that the Claimant has failed to identify and state any cause of action against the Defendant to establish any legal liability for the sum claimed............??

 

Any advice please? other than sending them yet another detailed schedule immediately?

Woolwich won in court/default removed Barclaycard Settled Halifax settled

Capital 1Settled GE Money Settled

Egg Settled-court action re.default 4th hearing!

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Id seek advice from a mod TBH.

 

It sounds to me like their not acknowledging the claim youve made in the sense theyre saying its rubbish. edit : sorry not very well put, i think theyre saying you havent got a case i think.

 

Is it a standard letter, sounds like it to me bearing in mind the opening bit youve posted about its a summary defence?

 

Have yo confirmed why you believe the chagres to be unlawful, etc?

 

Glenn

Kick the shAbbey Habit

 

Where were you? Next time please

 

 

Abbey 1st claim -Charges repaid, default removed, interest paid (8% apr) costs paid, Abbey peed off; priceless

Abbey 2nd claim, two Accs - claim issued 30-03-07

Barclaycard - Settled cheque received

Egg 2 accounts ID sent 29/07

Co-op Claim issued 30-03-07

GE Capital (Store Cards) ICO says theyve been naughty

MBNA - Settled in Full

GE Capital (1st National) Settled

Lombard Bank - SAR sent 16.02.07

MBNA are not your friends, they will settle but you need to make sure its on your terms -read here

Glenn Vs MBNA

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Yep.. all stated on my claim form. However they have now recredited my account with part of the amount claimed! Did not ask me for a letter of acknowledgemnt or anything, do I now have to amend my claim? Maybe this is what they're getting at. Should probably send them a new schedule of charges as well...or should I just inform the Court they have recredited me with part of the sum claimed?? Any ideas

Woolwich won in court/default removed Barclaycard Settled Halifax settled

Capital 1Settled GE Money Settled

Egg Settled-court action re.default 4th hearing!

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I think I would speak with the court about the amended claim, but i would also check with a mod about their comments if one doesnt reply within a day or so.

 

i wouldnt want you to listen to me and end up with aggro, i nooo nothing [said in a slightly daft spannish accent]!

 

Play it safe and ask somone who has a better idea.

 

Glenn

Kick the shAbbey Habit

 

Where were you? Next time please

 

 

Abbey 1st claim -Charges repaid, default removed, interest paid (8% apr) costs paid, Abbey peed off; priceless

Abbey 2nd claim, two Accs - claim issued 30-03-07

Barclaycard - Settled cheque received

Egg 2 accounts ID sent 29/07

Co-op Claim issued 30-03-07

GE Capital (Store Cards) ICO says theyve been naughty

MBNA - Settled in Full

GE Capital (1st National) Settled

Lombard Bank - SAR sent 16.02.07

MBNA are not your friends, they will settle but you need to make sure its on your terms -read here

Glenn Vs MBNA

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  • 2 weeks later...

spoke to the court re amending the claim. It wasn't necessary, just had to send them a letter explaining. Well, A Q went in yesterday, so waiting.....

Woolwich won in court/default removed Barclaycard Settled Halifax settled

Capital 1Settled GE Money Settled

Egg Settled-court action re.default 4th hearing!

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  • 5 weeks later...

Two Court dates through today....Barclaycard and Woolwich both 15th November!

Woolwich won in court/default removed Barclaycard Settled Halifax settled

Capital 1Settled GE Money Settled

Egg Settled-court action re.default 4th hearing!

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  • 1 month later...

Hi all. Rolling towards 15th November, all docs. prepared and sent

Woolwich won in court/default removed Barclaycard Settled Halifax settled

Capital 1Settled GE Money Settled

Egg Settled-court action re.default 4th hearing!

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Hi, how long did it take after your claim was acknowledge for a court date to come through? I have recieved a letter saying they intend to defend. Are you the 1st to go to court? And do you think it will actually get there?

Nationwide

1st Letter Requesting Charges Sent - 31st July 2006

LBA Sent - 16th August 2006:rolleyes:

Money Claim Filed - 1st Sept 2006:evil:

Money Claim Acknowledge - 5th Sept 2006:-|

Part Refund of £79.02 - 13th Sept 2006:oops:

Settled in full.. short by £1.32 but not going to argue with that!! (541.02)- 14th Sept 2006

 

Halifax

Requested Bank Statments - 8th Sept 2006

Statements Recieved - 20th Sept 2006

Letter Requesting Charges Back Sent - 23rd Sept 2006

Letter Sent Refusing offer of £85.00 - 7th Oct 2006

Letter Received Offering Full Settlement (£170.00) - 12th Oct 2006

Barclaycard

S.A.R Sent - 19th Sept 2006

Statements Recieved - 23rd Sept 2006

Letter Requesting Charges Back Sent - 23rd Sept 2006

Part Refund of £152.00 recieved - 29th Sept 2006 :p

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nah......;-) would be amazing if it did though woolwich & Barclaycard double whammy!!

Woolwich won in court/default removed Barclaycard Settled Halifax settled

Capital 1Settled GE Money Settled

Egg Settled-court action re.default 4th hearing!

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Well, if my case is anything to go by, expect letter of settlement by the 10th, demanding confidentiality. Just say NO!!!! lol.

 

Incidentally, there were discussions as to whether just scratching out the confidentality part would not invalidate the whole agreement, but Barclays themselves told me that it was ok to do so... Just so you know... ;-)

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K k..thanks Bookworm, will wait in anticipation, LOL!;-)

Woolwich won in court/default removed Barclaycard Settled Halifax settled

Capital 1Settled GE Money Settled

Egg Settled-court action re.default 4th hearing!

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I love this website you give me so much hope!!!

im fighting the whole microfiche rubbish at the mo, just about to send second letter re subject acess request, then theyll send me some rubbish containing pretty much the same as the first letter i.e £3 per statement as on microfiche, then i wait rest of 40 days and send estimate - is this right?

Thanks.

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Have not received any docs. from Barclaycard. "phoned the Court yesterday to check, they haven't received any either!:D Made a note on my record that I'd called etc... Time rolls on

Woolwich won in court/default removed Barclaycard Settled Halifax settled

Capital 1Settled GE Money Settled

Egg Settled-court action re.default 4th hearing!

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Well Bookworm you were right!!!!! the tenth it is and they are demanding confidentiality. Will be scratching out that part then & returning it. Also letter from the Woolwich, same offer. Sucha good Friday:D only problem is woolwich letter hasn't mentioned anything about removing default hmm,obviously for me that must be a condition....could still be going to Court on that one....

Woolwich won in court/default removed Barclaycard Settled Halifax settled

Capital 1Settled GE Money Settled

Egg Settled-court action re.default 4th hearing!

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