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    • Hello, welcome to CAG. Can you tell us more about what happened please? Who stopped you and which shop? Best, HB
    • You don't mention what the debts are, which is important, as it really depends on the details in deciding best course of action. So list types of debt e.g credit card, type of loan, utility bill; current owner bank or dca; approximate amount for each debt.  And do you own any property assets. There is no blanket advice regarding all types of debts. Whoever you contact regarding debt advice would want to know all of the information. The debt buying businesses deal with multi billions worth of debts. They can't issue Court claims for most debts as the cost of pursuing would be ruinous and don't have staff resources. Instead they rely on credit records being impacted and therefore people need to resolve the debts. And they rely on anxious debtors paying amounts after receiving threatening communications. If you know you are likely to be made redundant, start looking for other employment soon. Due to longer recruitment processes being followed by employers, it can take about 3 months between applying and starting a new job.
    • Hi I was caught shoplifting 4 items £20 worth, I’m petrified the Police will come to my house now please can you help. What can I do I worried about my job. 
    • I heard nothing more from J&P but have now had an email from the bank saying they have instructed IDR to act on their behalf?  so are they just passing it back? Selling it on again? I don’t know if this is a good or bad thing 
    • I posted a couple of years ago about our debt situation and have been trying to pay off our debt as best we can. It is a possibility I maybe made redundant in a few months time, so I am trying to find out everything I can about what happens in today’s world when you can’t pay. I keep finding conflicting advice on various sites so I wanted to post this quote to get thoughts. It claims basically that the dca will likely get enforceable documents these days and therefore it’s likely you will have to pay dca at some point during the 6 year process.    on here I read a lot of comments assuming the exact opposite of this. A lot of the threads on here state the beginning of the process but I never see conclusive stuff about what happened from start to finish to get insight into whether debts post 2015 have been enforced etc. I hear a lot here not to pay dca companies but most my debts are post 2015 debts I am all up to date on our debts but if I lose my job it is likely I’ll end up where I tried to avoid in the first place. Which is destroying our files and dealing with DCA. I’ll post it below so you can see what I mean.   It is likely that any debts incurred after 2007 will end up with all the documentation being provided and being enforceable. Therefore you should use the time while awaiting responses going through your Income & Expenditure and considering any possiblity of making a full and final settlement. It can take a number of months to reach the stage of a hearing date and exchange of witness statements and normally you would be able to settle or come to an arrangement to pay before the court hearing, once documents have been provided, although this isn’t guaranteed.
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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.

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      OT APPROVED, 365MC637, FAROOQ, EVRi, 12.07.23 (BRENT) - J v4.pdf
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bobthecabbie v A & L


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:-D ...go you,bob if i were you in my position i would maybe settle for fast cash........"but" and its a big "but" im not you and your not in my position.look in the mirror. and think real hard about what the man looking at you wants im sure he will tell you.gratz on a gr8 offer and good luk with the pondering:-D
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yeah, im sort of ready.jenny and mimi have pointed me in right direction.im almost certain i wont need it:rolleyes: but it helps to be sorted out.you are doing real well with this.especially as its such a large amount.chin up dude a & l freedom fighters rok.....................3370076647:D

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Bob, I googled it and found this news release, which I included instead :-

 

http://www.competition-commission.org.uk/press_rel/2006/oct/pdf/52-06.pdf

 

Hope this helps.icon7.gif

A-Z CAG links to all documents you'll need for

your claim

(Thanks to Michael Brown for all his efforts)

 

http://www.consumeractiongroup.co.uk/forum/consumer-forums-website-questions/53182-cant-find-what-youre.html

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Your in court on my birthday bob so i will be thinkin of you ;)

 

Personally i would carry on and go for the full amount on principal, they took money you earned, now its time to get it back.

***************************************

Feels like a lost little girl x

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thanks jess, many happy returns for the day, i may not be able to do it on the day as may have other things on my mind.

 

nearly there now mimi (honest) in the case law is it just mentioned or is documentary evidence needed and cant find the kendall freeman report!!! i know i know typical bloke, lacks patience and will power!!!

 

oh, and whistleblower

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Bob,

 

Kendal report's in the CAG library, here it is :-

 

http://www.kendallfreeman.com/kf-pdf/Upholding%20liquidated%20damages%20and%20avoiding%20penalties%20-%20May%202005%20-%20Kendall%20Freeman%20article.pdf#search=%22kendall%20freeman%20liquidated%20damages%22

 

Whistleblower report at the very bottom of the page here :-

 

http://www.consumeractiongroup.co.uk/

 

Re. the Relevant Case Law paper, it's up to you whether you include details of any more case laws mentioned perhaps in the Statement of Evidence. You'll probably have enough by time you've finished.

 

By the way, I expect to be mentioned in your will after all thisicon10.gificon10.gif

 

Mimi x

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A-Z CAG links to all documents you'll need for

your claim

(Thanks to Michael Brown for all his efforts)

 

http://www.consumeractiongroup.co.uk/forum/consumer-forums-website-questions/53182-cant-find-what-youre.html

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Hi Bob, I am at mercantile court for a directions hearing on 28th this month, on my sheet there is only 2 A&L cases out of 200+ I dont know if this is good or bad?? I'll let you know if they attend!!

Jenny

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Hi Bob, Luckily...thank god...I didnt have to do a bundle for A&L..but I have just done one for Barclays. For A&L i just had a case management sheet to fill in.

In the barclays one i used the bundle from here and my correspondance etc.

HTH

Jenny

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hi bob,

i would think very carefully about taking your claim out of the small claims system - where you are not liable for costs.

has your legal advisor given you an indication of his costs/charges for handling your case - it could soak up a significant amount of your costs that you are reclaiming.

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in a&l terms for 2000 it says

"(d) You shall pay such other charges in connection with the Account or for the provision of services as published in the Tariff of Charges; these may be varied from time to time"

 

is this the same as penalty charges?

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The best link backs - information - I have found regarding penalty/v service and contractural interest are on "LLOyds case lost thread"

 

There is one link back on one of the posts that a legal student has entered that was particularly relevant ( hope it was this thread, I have read and saved so many my head is spinning)

 

Best of luck

 

Jansus:)

Please note I am not an expert - I am not offering opinions or legal help - Please use all the information provided on the site in FAQ- step by step instructions and library- thanks Jansus:)

http://www.consumeractiongroup.co.uk/forum/images/icons/icon1.gif

offer from A&L 24/8/07 - after case stayed

 

"What makes the desert beautiful is that somewhere it hides a well." - Antione de Saint Exupery

 

 

PROUD TO BE AN ORANGE

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well done bob, just seen your success on the other thread, did they settle for the full 10k? Did you call them or did they call you?

Jenny

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i wrote to them on 25th and negotiated settlement. money is due to be paid by tomorrow, if its not in account tomorrow im sending letter telling them deal is off in light of todays developments. my settlement amounted to 91% of my 11.6k claim. wrote letter including this which was drawn up by an advocate at a bristol law firm. they offered within 2 hours of receiving it.

 

"I believe that the regime of fees which your client has been applying to my account in relations to direct debit refusals, exceeding overdraft limits and so forth are unlawful as, amongst other things, they are a penalty on the basis of a number of the principles arising from Lord Dunedin’s tests (Dunlop Pneumatic Tyre Co. Ltd. v. New Garage and Motor Co. Ltd. (1915). Further I understand that there is a compelling argument if not established case law that the terms of business adopted by banking organisations allowing for such charges may be impugned by the Unfair Consumer Contracts Regulations 1999

 

However if your client says that they are not penalties, then will you please ask them again, I have already asked Alliance and Leicester once (letter 19 March 2007), to demonstrate this by letting me have a full breakdown of the costs to which they have been put to as a result of my breaches, in order to reassure me that their penalties really do reflect their costs. The lack of such details is an obvious oversight from your generic defence dated 4 May 2007.

 

he is willing to take on claims over 5k and issue proceeding through fast track.

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