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    • He was one of four former top executives from Sam Bankman-Fried's firms to plead guilty to charges.View the full article
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    • further polished WS using above suggestions and also included couple of more modifications highlighted in orange are those ok to include?   Background   1.1  The Defendant received the Parking Charge Notice (PCN) on the 06th of January 2020 following the vehicle being parked at Arla Old Dairy, South Ruislip on the 05th of December 2019.   Unfair PCN   2.1  On 19th December 2023 the Defendant sent the Claimant's solicitors a CPR request.  As shown in Exhibit 1 (pages 7-13) sent by the solicitors the signage displayed in their evidence clearly shows a £60.00 parking charge notice (which will be reduced to £30 if paid within 14 days of issue).  2.2  Yet the PCN sent by the Claimant is for a £100.00 parking charge notice (reduced to £60 if paid within 30 days of issue).   2.3        The Claimant relies on signage to create a contract.  It is unlawful for the Claimant to write that the charge is £60 on their signs and then send demands for £100.    2.4        The unlawful £100 charge is also the basis for the Claimant's Particulars of Claim.  No Locus Standi  3.1  I do not believe a contract with the landowner, that is provided following the defendant’s CPR request, gives MET Parking Services a right to bring claims in their own name. Definition of “Relevant contract” from the Protection of Freedoms Act 2012, Schedule 4,  2 [1] means a contract Including a contract arising only when the vehicle was parked on the relevant land between the driver and a person who is-   (a) the owner or occupier of the land; or   (b) Authorised, under or by virtue of arrangements made by the owner or occupier of the land, to enter into a contract with the driver requiring the payment of parking charges in respect of the parking of the vehicle on the land. According to https://www.legislation.gov.uk/ukpga/2006/46/section/44   For a contract to be valid, it requires a director from each company to sign and then two independent witnesses must confirm those signatures.   3.2  The Defendant requested to see such a contract in the CPR request.  The fact that no contract has been produced with the witness signatures present means the contract has not been validly executed. Therefore, there can be no contract established between MET Parking Services and the motorist. Even if “Parking in Electric Bay” could form a contract (which it cannot), it is immaterial. There is no valid contract.  Illegal Conduct – No Contract Formed   4.1 At the time of writing, the Claimant has failed to provide the following, in response to the CPR request from myself.   4.2        The legal contract between the Claimant and the landowner (which in this case is Standard Life Investments UK) to provide evidence that there is an agreement in place with landowner with the necessary authority to issue parking charge notices and to pursue payment by means of litigation.   4.3 Proof of planning permission granted for signage etc under the Town and country Planning Act 1990. Lack of planning permission is a criminal offence under this Act and no contract can be formed where criminality is involved.   4.4        I also do not believe the claimant possesses these documents.   No Keeper Liability   5.1        The defendant was not the driver at the time and date mentioned in the PCN and the claimant has not established keeper liability under schedule 4 of the PoFA 2012. In this matter, the defendant puts it to the claimant to produce strict proof as to who was driving at the time.   5.2 The claimant in their Notice To Keeper also failed to comply with PoFA 2012 Schedule 4 section 9[2][f] while mentioning “the right to recover from the keeper so much of that parking charge as remains unpaid” where they did not include statement “(if all the applicable conditions under this Schedule are met)”.     5.3         The claimant did not mention parking period, times on the photographs are separate from the PCN and in any case are that arrival and departure times not the parking period since their times include driving to and from the parking space as a minimum and can include extra time to allow pedestrians and other vehicles to pass in front.    Protection of Freedoms Act 2012   The notice must -   (a) specify the vehicle, the relevant land on which it was parked and the period of parking to which the notice relates;  22. In the persuasive judgement K4GF167G - Premier Park Ltd v Mr Mathur - Horsham County Court – 5 January 2024 it was on this very point that the judge dismissed this claim.  5.4  A the PCN does not comply with the Act the Defendant as keeper is not liable.  No Breach of Contract   6.1       No breach of contract occurred because the PCN and contract provided as part of the defendant’s CPR request shows different post code, PCN shows HA4 0EY while contract shows HA4 0FY. According to PCN defendant parked on HA4 0EY which does not appear to be subject to the postcode covered by the contract.  6.2         The entrance sign does not mention anything about there being other terms inside the car park so does not offer a contract which makes it only an offer to treat,  Interest  7.1  It is unreasonable for the Claimant to delay litigation for  Double Recovery   7.2  The claim is littered with made-up charges.  7.3  As noted above, the Claimant's signs state a £60 charge yet their PCN is for £100.  7.4  As well as the £100 parking charge, the Claimant seeks recovery of an additional £70.  This is simply a poor attempt to circumvent the legal costs cap at small claims.  7.5 Since 2019, many County Courts have considered claims in excess of £100 to be an abuse of process leading to them being struck out ab initio. An example, in the Caernarfon Court in VCS v Davies, case No. FTQZ4W28 on 4th September 2019, District Judge Jones-Evans stated “Upon it being recorded that District Judge Jones- Evans has over a very significant period of time warned advocates (...) in many cases of this nature before this court that their claim for £60 is unenforceable in law and is an abuse of process and is nothing more than a poor attempt to go behind the decision of the Supreme Court v Beavis which inter alia decided that a figure of £160 as a global sum claimed in this case would be a penalty and not a genuine pre-estimate of loss and therefore unenforceable in law and if the practice continued, he would treat all cases as a claim for £160 and therefore a penalty and unenforceable in law it is hereby declared (…) the claim is struck out and declared to be wholly without merit and an abuse of process.”  7.6 In Claim Nos. F0DP806M and F0DP201T, District Judge Taylor echoed earlier General Judgment or Orders of District Judge Grand, stating ''It is ordered that the claim is struck out as an abuse of process. The claim contains a substantial charge additional to the parking charge which it is alleged the Defendant contracted to pay. This additional charge is not recoverabl15e under the Protection of Freedoms Act 2012, Schedule 4 nor with reference to the judgment in Parking Eye v Beavis. It is an abuse of process from the Claimant to issue a knowingly inflated claim for an additional sum which it is not entitled to recover. This order has been made by the court of its own initiative without a hearing pursuant to CPR Rule 3.3(4)) of the Civil Procedure Rules 1998...''  7.7 In the persuasive case of G4QZ465V - Excel Parking Services Ltd v Wilkinson – Bradford County Court -2 July 2020 (Exhibit 4) the judge had decided that Excel had won. However, due to Excel adding on the £60 the Judge dismissed the case.  7.8        The addition of costs not previously specified on signage are also in breach of the Consumer Rights Act 2015, Schedule 2, specifically paras 6, 10 and 14.   7.9        It is the Defendant’s position that the Claimant in this case has knowingly submitted inflated costs and thus the entire claim should be similarly struck out in accordance with Civil Procedure Rule 3.3(4).   In Conclusion   8.1        I invite the court to dismiss the claim.  Statement of Truth  I believe that the facts stated in this witness statement are true. I understand that proceedings for contempt of court may be brought against anyone who makes, or causes to be made, a false statement in a document verified by a statement of truth without an honest belief in its truth.   
    • Well the difference is that in all our other cases It was Kev who was trying to entrap the motorist so sticking two fingers up to him and daring him to try court was from a position of strength. In your case, sorry, you made a mistake so you're not in the position of strength.  I've looked on Google Maps and the signs are few & far between as per Kev's MO, but there is an entrance sign saying "Pay & Display" (and you've admitted in writing that you knew you had to pay) and the signs by the payment machines do say "Sea View Car Park" (and you've admitted in writing you paid the wrong car park ... and maybe outed yourself as the driver). Something I missed in my previous post is that the LoC is only for one ticket, not two. Sorry, but it's impossible to definitively advise what to so. Personally I'd probably gamble on Kev being a serial bottler of court and reply with a snotty letter ridiculing the signage (given you mentioned the signage in your appeal) - but it is a gamble.  
    • No! What has happened is that your pix were up-to-date: 5 hours' maximum stay and £100 PCN. The lazy solicitors have sent ancient pictures: 4 hours' maximum stay and £60 PCN. Don't let on!  Let them be hoisted by their own lazy petard in the court hearing (if they don't bottle before).
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      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.

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Guidelines - Requests For An Original Agreement Under The Consumer Credit Act 1974


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The debts that I am about to use this process on are already in default so there is no prospect of that aspect being a viable form of enforcement from the creditors side.

 

When I think of enforcement I generally take that to mean being forced to pay some or all of the debt.

 

I think in most cases this argument would be more theoretical than actual because I would imagine that it's not often that the agreement turns up later.

 

Could be wrong of course. If it is just that they can't be bothered to meet the deadline and then eventually get their ar*e in gear then maybe agreements are turning up late on a regular basis.

 

I still doubt it though. My reckoning is no agreement within 6 weeks almost certainly means there isn't one at all.

 

Agreed - if they can't provide an agreement within the prescribed period, they are unlikely to provide one at all at some time in the future.

 

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Agreed - if they can't provide an agreement within the prescribed period, they are unlikely to provide one at all at some time in the future.

 

I spent over 4 hours trawling this and other sites last night and I found a few threads where the poster had some debts written off because they sent a CCA letter and some where the DCA tried to get away with sending dodgy paperwork but I did not find any where the agreement turned

up months later.

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Mine have either arrived within 10 days or not at all:D

BANK CHARGES

Nat West Bus Acct £1750 reclaim - WON

 

LTSB Bus Acct £1650 charges w/o against o/s balance - WON

 

Halifax Pers Acct £1650 charges taken from benefits - WON

 

Others

 

GE Money sec loan - £1900 in charges - settlement agreed

GE Money sec loan - ERC of £2.5K valid for 15 years - on standby

FirstPlus - missold PPI of £20K for friends - WON

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I spent over 4 hours trawling this and other sites last night and I found a few threads where the poster had some debts written off because they sent a CCA letter and some where the DCA tried to get away with sending dodgy paperwork but I did not find any where the agreement turned

up months later.

 

Both Barclaycard and Capital one provided agreements several months after the request.

 

Paul

An appeaser is one who feeds a crocodile, hoping it will eat him last. <br />

Winston Churchill

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Nickolarge- Just a word of warning.

I sent cca request 8th June - got a reply about 16th July it was a copy of an agreement with alterations on it.

I contested the copy immediately- On or about 16th August I received a second version without alterations. However it still wasnt properly executed.

But my word of warning is-The current Bank Manager- who wasnt at the branch at the time of the loan-Told me "I dont know why they asked head office for the agreement, because it was here all the time"!

 

hsbcfiddled

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An unenforceable Capital one agreement/Application. Question: is part of the signature permitted to be outside the sig box.?

crap1-2.jpg

An appeaser is one who feeds a crocodile, hoping it will eat him last. <br />

Winston Churchill

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An unenforceable Capital one agreement/Application. Question: is part of the signature permitted to be outside the sig box.?

 

6.3 Where must they sign the agreement?

Reg 6(3)(a) provides that each debtor (or a person acting on his behalf in the case of a partnership or unincorporated body) must sign the document in the space indicated for the purpose. This must be within a signature box as specified in Sch 5 – see Q6.5.

 

Reg 6(3)(b) provides that the creditor (or a person acting on his behalf) must sign the document outside any signature box used by the debtor. The creditor may sign within a box, but this must be separate from the box containing the debtor’s signature.

 

 

Reg 6(3)(d) provides that a witness may sign the document provided that this is outside the box containing the debtor’s signature.

6.5 Do the signatures have to appear in a box?

 

Each debtor must sign within a signature box as specified in Sch 5 – see Q6.6. The creditor, and any witness, must sign outside the box containing the debtor’s signature. See also Q6.3.

 

This one seems to have part of the creditors signature in the debtors signature box? :o

 

At best, improperly executed = enforceable with a Court order, as a result of the signature issue.

 

Of course, there's no prescribed/required terms, so unenforceable because of s.127(3) anyway, IMHO.

 

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Both Barclaycard and Capital one provided agreements several months after the request.

 

Paul

 

Did you stop paying them when they failed to respond?

 

The debts I am dealing with are all in my wifes name, not mine. We sent them all a full and final settlement offer of 24p in the pound before Christmas. DLC and CL Finance have replied saying they need over 75% and putting silly 2 week limits on these 'generous' offers. For the last two years she has been paying them a tiny monthly amount via CCCS which would take about 40 years to pay of the debts.

 

I only just found out about the CCA letters and I am hoping that sending them out might encourage the creditors to think again about our offer.

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Did you stop paying them when they failed to respond?

 

I haven't paid a penny for over 12 months, both agreements are unenforceable imo.

An appeaser is one who feeds a crocodile, hoping it will eat him last. <br />

Winston Churchill

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Did you stop paying them when they failed to respond?

 

I haven't paid a penny for over 12 months, both agreements are unenforceable imo.

 

 

Totally unenforceable - no prescribed terms and not even any reference to them being overleaf (unlike the data section).

You may receive different advice to your query as people have different experiences and opinions. Please use your own judgement in deciding whose advice to take.

 

If in doubt seek advice from a qualified insured professional. Any advice I have offered you is done so on an informal basis, without prejudice or liability.

 

If you think I have been helpful PLEASE click the scales

 

court bundles for dummies

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This one seems to have part of the creditors signature in the debtors signature box? :o

 

 

 

At best, improperly executed = enforceable with a Court order, as a result of the signature issue.

 

Of course, there's no prescribed/required terms, so unenforceable because of s.127(3) anyway, IMHO.

 

 

 

 

This one seems to have part of the creditors signature in the debtors signature box? :o

 

 

 

At best, improperly executed = enforceable with a Court order, as a result of the signature issue.

 

Of course, there's no prescribed/required terms, so unenforceable because of s.127(3) anyway, IMHO.

 

The Secretary of State shall make regulations as to the form and content of documents embodying regulated agreements, and the regulations shall contain such provisions as appear to him appropriate with a view to ensuring that the debtor or hirer is made aware of--(a) the rights and duties conferred or imposed on him by the agreement,

Making the agreement

 

Form and content of agreements.

 

 

 

60.

--(1)

(b) the amount and rate of the total charge for credit (in the case of a consumer credit agreement),

 

© the protection and remedies available to him under this Act, and

 

(d) any other matters which, in the opinion of the Secretary of State, it is

desirable for him to know about in connection with the agreement.

 

(2) Regulations under subsection (1) may in particular--

 

(a) require specified information to be included in the prescribed manner in

documents, and other specified material to be excluded;

 

(b) contain requirements to ensure that specified information is clearly brought to the attention of the debtor or hirer, and that one part of a document is not given insufficient or excessive prominence compared with another.

 

(3) If, on an application made to the Director by a person carrying on a consumer credit business or a consumer hire business, it appears to the Director impracticable for the applicant to comply with any requirement of regulations under subsection (1) in a particular case, he may, by notice to the applicant direct that the requirement be waived or varied in relation to such agreements, and subject to such conditions (if any), as he

may specify, and this Act and the regulations shall have effect accordingly.

 

(4) The Director shall give a notice under subsection (3) only if he is satisfied that to do so would not prejudice the interests of debtors or hirers.

===================================

PAUL has nobody picked up on both the small font for the words consumer credit act 1974 (absolutely everything is in a larger font ) and also if not featuring prominently

 

section 60 is reproduced due to 60(2b)

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:cool: sunbathing in juan les pins de temps en temps

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I haven't had time to go through this whole thread I'm afraid, but I just wanted to say that I am currently engaged in a court action with Halifax / Capquest with regard to this issue.

 

Facts

 

Following repeated requests for the agreement from Halifax (which they did not satisfy) and involvement of the OFT (dealt with by David Philpott - google his name and OFT), which Halifax also ignored, the debt was sold to Capquest Investments by Halifax.

 

The request was repeated to Capquest, however they decided to issue Court proceedings against me on 12 November 07 via the Northampton county court bulk centre, and their solicitors HL Legal.

 

Following this I instructed my solicitors (again - they had previously been dealing with it and had got the OFT involved). My solicitor is 100% specialist consumer credit solicitor.

 

Following this we instructed a Barrister from THE leading, and only, chambers in England & Wales who specialise in consumer Credit - what they don't know basically isn't worth knowing.

 

Course of Action

 

We instruced the barrister to:

 

1. Write an opinion of the whole S78/77 requests for agreements etc.

2. Write my defence, and if necessary, defend me in court.

 

We have now filed the defence and await to see if they respond, otherwise it just goes to court.

 

 

Having received the opinion, it is extremely interesting and very thorough - as a Law graduate myself I find it all the more interesting. However, as I suspected, there is a lot of myth and misunderstanding about this whole request for agreements (much of it on this website).

 

When I feel it is appropiate I will post the whole Barrister's opinion on this site (it runs to several pages) as I think it is quite definitive and could be very helpful for those who are unable to afford the services of such people. I am lucky that I am able to afford it (just) as it has cost me a fortune, but in the end I think it will be worth it, especially as I intend to ask the court to award costs against Capquest.

 

I know that this is a "self-help" site, but Consumer credit law is extremely complicated with little or no interpretory case law, and sometimes you just have to get some professional advise.

 

In case anyone is interested the amount in dispute is about £10,000.

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When I feel it is appropiate I will post the whole Barrister's opinion on this site (it runs to several pages) as I think it is quite definitive and could be very helpful for those who are unable to afford the services of such people. I am lucky that I am able to afford it (just) as it has cost me a fortune, but in the end I think it will be worth it, especially as I intend to ask the court to award costs against Capquest.

 

I know that this is a "self-help" site, but Consumer credit law is extremely complicated with little or no interpretory case law, and sometimes you just have to get some professional advise.

 

In case anyone is interested the amount in dispute is about £10,000.

 

So very kind of you, any idea when this might be.

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Hi all! This is my first post (woo!)...

 

Been having a right good rummage and read through thsi site (it's brilliant - well done you!) but just have a quick question if anyone is able to help?

 

Am just about to post letter number one to my bank to ask for my CCA.

 

I took a loan out in Feb 05 with A&L...

 

...I don't for one second think its perhaps right (although its VERY appealing) to try and write the debt off, after all i borrowed and spent the money, BUT would like to try and claim the interest i've paid for 3 years PLUS get the interest cancelled on the outstanding debt.

 

Is this possible? Is this the best i can hope for?

 

Or should i try and cancel the remaining ammount?

 

I have 24 months still to pay. I Have never defaulted on a payment.

 

All advice very gratefully received!! If you need any other inof please let me know...

 

Have added a single line into my letter (is it letter N?) asking for a settlement figure too.

 

Its potentially very exciting but my head is SPINNING!

 

Thank you so so much for any help!!!

 

TheBee :)

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Hi Matt 5791

 

Thank you for the info. I first applied for CCA in October but Cap 1 won't release my agreement (which they assure me they have) until they have a signature that matches their records. Bearing in mind this was only taken out in Jan 2005, it is quite likely they have something enforceable. I am assuming this is their defence to not complying with my request as they state how seriously they take security. But can't understand why they won't send me my agreement/application if they are sending other correspondence to my address.

 

I too have consulted a solicitor as the debt is the same as yours and am waiting for his reply once he has gone through all the letters so far. However he can't do much without the agreement.

 

Whilst Cap 1 have been very courteous so far considering, the telephone calls have started and I am getting aprehensive. I stopped paying in December.

 

Any help and advice truly welcomed.

Honey 1932

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I haven't had time to go through this whole thread I'm afraid, but I just wanted to say that I am currently engaged in a court action with Halifax / Capquest with regard to this issue.

 

Facts

 

Following repeated requests for the agreement from Halifax (which they did not satisfy) and involvement of the OFT (dealt with by David Philpott - google his name and OFT), which Halifax also ignored, the debt was sold to Capquest Investments by Halifax.

 

The request was repeated to Capquest, however they decided to issue Court proceedings against me on 12 November 07 via the Northampton county court bulk centre, and their solicitors HL Legal.

 

Following this I instructed my solicitors (again - they had previously been dealing with it and had got the OFT involved). My solicitor is 100% specialist consumer credit solicitor.

 

Following this we instructed a Barrister from THE leading, and only, chambers in England & Wales who specialise in consumer Credit - what they don't know basically isn't worth knowing.

 

Course of Action

 

We instruced the barrister to:

 

1. Write an opinion of the whole S78/77 requests for agreements etc.

2. Write my defence, and if necessary, defend me in court.

 

We have now filed the defence and await to see if they respond, otherwise it just goes to court.

 

 

Having received the opinion, it is extremely interesting and very thorough - as a Law graduate myself I find it all the more interesting. However, as I suspected, there is a lot of myth and misunderstanding about this whole request for agreements (much of it on this website).

 

When I feel it is appropiate I will post the whole Barrister's opinion on this site (it runs to several pages) as I think it is quite definitive and could be very helpful for those who are unable to afford the services of such people. I am lucky that I am able to afford it (just) as it has cost me a fortune, but in the end I think it will be worth it, especially as I intend to ask the court to award costs against Capquest.

 

I know that this is a "self-help" site, but Consumer credit law is extremely complicated with little or no interpretory case law, and sometimes you just have to get some professional advise.

 

In case anyone is interested the amount in dispute is about £10,000.

 

 

really like to see this wish I was rich ha though if i got all charges back Id be around £30k better off hope you cna send me link or pm me when ready good luck regards Gary

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Hi. This is my first post here. I have learnt so much from this group. Without it I feel certain I woudl have lost my house and my sanity. So thank you to everyone who takes the time to post.

 

I REALLY need some help please.

 

I have a £25,000 loan with Barclays. I sent them the CCA request and they returned what looked like an application form along with the £1 postal order as they said there was no charge for the requst. There was no signatures whatsover on the application form. I will scan and post it to the site later this evening. I didn't beleive this was the CCA so after the correct amount of time I sent them the follow up latter stating that they had failed to meet my requests and were now in default.

 

The day after receipt of this letter I received a short letter from Barclays saying they would contact me within the next 14 days. However the day after this I received County Court papers. I'm not sure if this is just a pure coincidence and the two things have crossed in the post.

 

Anyway I now do not have a clue what to do. I don't know what boxes to tick or what to say. I am guessing that I need to defend and counterclaim but I have no idea how. I am on Incapacity Benefit so cannot afford a solicitor to help me here.

 

Any advise or help would be greatly appreciated. I really don't know what to do. Also I have heard that I can request for the court to be changed. How do I do this as the court on the form is Northampton and that's a long way from me.

 

Thank you.

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Hi Matt 5791

 

Thank you for the info. I first applied for CCA in October but Cap 1 won't release my agreement (which they assure me they have) until they have a signature that matches their records(just a thought.....if your signature doesnt match their records...maybe its not your signature that they hold!!!!!! .....or Once they have your signature...THEY WILL HAVE YOUR SIGNATURE..to cut and paste!!). Bearing in mind this was only taken out in Jan 2005, it is quite likely they have something enforceable. I am assuming this is their defence to not complying with my request as they state how seriously they take security. But can't understand why they won't send me my agreement/application if they are sending other correspondence to my address.

 

I too have consulted a solicitor as the debt is the same as yours and am waiting for his reply once he has gone through all the letters so far. However he can't do much without the agreement.

 

Whilst Cap 1 have been very courteous so far considering, the telephone calls have started and I am getting aprehensive. I stopped paying in December.

 

Any help and advice truly welcomed.

Honey 1932

 

 

hsbcfiddled

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Hi. This is my first post here. I have learnt so much from this group. Without it I feel certain I woudl have lost my house and my sanity. So thank you to everyone who takes the time to post.

 

I REALLY need some help please.

 

I have a £25,000 loan with Barclays. I sent them the CCA request and they returned what looked like an application form along with the £1 postal order as they said there was no charge for the requst. There was no signatures whatsover on the application form. I will scan and post it to the site later this evening. I didn't beleive this was the CCA so after the correct amount of time I sent them the follow up latter stating that they had failed to meet my requests and were now in default.

 

The day after receipt of this letter I received a short letter from Barclays saying they would contact me within the next 14 days. However the day after this I received County Court papers. I'm not sure if this is just a pure coincidence and the two things have crossed in the post.

 

Anyway I now do not have a clue what to do. I don't know what boxes to tick or what to say. I am guessing that I need to defend and counterclaim but I have no idea how. I am on Incapacity Benefit so cannot afford a solicitor to help me here.

 

Any advise or help would be greatly appreciated. I really don't know what to do. Also I have heard that I can request for the court to be changed. How do I do this as the court on the form is Northampton and that's a long way from me.

 

Thank you.

 

Hi Mobileminx,

I am helping my neighbour with his Barclayloan.

Barclays sent him a copy of his application loan also.

Then after the 12 working days plus two and 30 days had expired they sent him a cut and paste version.

If they take you to court they must be in possesion of the original..their copy of the application wont be good enough.

Write back telling them "bring along the original when we go to court"

hsbcfiddled

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I haven't had time to go through this whole thread I'm afraid, but I just wanted to say that I am currently engaged in a court action with Halifax / Capquest with regard to this issue.

 

Facts

 

Following repeated requests for the agreement from Halifax (which they did not satisfy) and involvement of the OFT (dealt with by David Philpott - google his name and OFT), which Halifax also ignored, the debt was sold to Capquest Investments by Halifax.

 

The request was repeated to Capquest, however they decided to issue Court proceedings against me on 12 November 07 via the Northampton county court bulk centre, and their solicitors HL Legal.

 

Following this I instructed my solicitors (again - they had previously been dealing with it and had got the OFT involved). My solicitor is 100% specialist consumer credit solicitor.

 

Following this we instructed a Barrister from THE leading, and only, chambers in England & Wales who specialise in consumer Credit - what they don't know basically isn't worth knowing.

 

Course of Action

 

We instruced the barrister to:

 

1. Write an opinion of the whole S78/77 requests for agreements etc.

2. Write my defence, and if necessary, defend me in court.

 

We have now filed the defence and await to see if they respond, otherwise it just goes to court.

 

 

Having received the opinion, it is extremely interesting and very thorough - as a Law graduate myself I find it all the more interesting. However, as I suspected, there is a lot of myth and misunderstanding about this whole request for agreements (much of it on this website).

 

When I feel it is appropiate I will post the whole Barrister's opinion on this site (it runs to several pages) as I think it is quite definitive and could be very helpful for those who are unable to afford the services of such people. I am lucky that I am able to afford it (just) as it has cost me a fortune, but in the end I think it will be worth it, especially as I intend to ask the court to award costs against Capquest.

 

I know that this is a "self-help" site, but Consumer credit law is extremely complicated with little or no interpretory case law, and sometimes you just have to get some professional advise.

 

In case anyone is interested the amount in dispute is about £10,000.

 

I'd have to disagree that Consumer Law requires the benefit of experience of a Barrister. I can't imagine (or want to know) how much that opinion is costing you, but - this is just IMHO - I think there's lots more information on this site then most Judges know about Consumer Law.

 

The simple matter of this issue is that most "consumers" can't afford this sort of legal representation - I think you are the exception in this club.

 

Consumer Law is overly complicated by companies that seek to make it such a difficult subject to understand - in fact, the Acts under which it is regulated is very clear and is designed to protect Consumers, not crucify them. There is also some very recent caselaw that supports this view, so it gets better and better.

 

I, personally, can't see any additional benefit in paying over the odds for legal representation.

 

Of course, if you are willing to share such benefit that you've had, we would be happy to take a look at it. I just hope I don't disagree with it! :p

 

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I am a newbie and have read this entire thread and found it extremely informative and helpful. What i did gather is that the banks are obliged to provide us a true copy of our contracts - now my understanding of 'TRUE' is a genuine copy or original. This can only happen by us having sight of the original or real valid document. Why should we accept a photocopy. This is my interpretation of the CCA.

 

Ruby

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