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    • Thanks very much Bank. I have topped and tailed my LOC and printed off a copy which I shall post tomorrow by First Class post at my local post office and also obtain a proof of postage. I'll also email them a copy. I've opened a MoneyClaim account, and shall now begin work on my draft Particulars of Claim which I shall post here for your thoughts. And I shan't be using the Moderation service.
    • Yes, it struck me this morning that I'd got it wrong    - no involvement of UKPPO in any previous Tesco thread    - there would have been an entrance sign to a Tesco car park    - CCTV isn't something associated with Tesco car parks. Presumably whoever runs the car park has put CCTV at the electric, and probably BB, areas, done absolutely nothing to stop abuse, and then rubs their hands in glee every time the CCTV catches a motorist out. You can pay £60 and this will go away. Or you can defy UKPPO and rely on their non-respect of POFA, consideration period, etc., should they be daft enough to do court later down the line.  We would support you all the way.
    • thats not the way to do it sorry. sorry so what is your problem? that vanquis paid the £560 or that they are now chasing it? how old is this debt? dx  
    • If you visited Qatar you could be detained at the border, if the debt has been notified.  If you are only in transit and do not seek to cross border into Qatar you might be ok, but you may want to seek formal advice about this.
    • Howdy, I had a short lived credit card with Vanquis that I did not need. I paid it off in full and called them and closed it with the person at the other end. 2 months later they started sending me messages about late payments, I called them and to find out that the card had not been closed in error and 6 weeks after it should have been closed they paid a google debit of £560. I hit the roof and made a formal complaint that took them well over a month to respond to. They agreed they were at fault, refunded all late payments fees and offered me £100 in compensation. However they said the debit amount stood as 'I had benefit from it' and I should get a refund from google. I hit the roof again but they have stuck to their guns. The debit from google is a genuine one but I wanted to dispute it with google so closed the card so they would have to engage with me. But surely that's neither here nor there surely? What is the next step? Ombudsman takes forever doesn't it?  thanks in advance
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Allocation Questionanaire???


Scorpic
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I have just reseived a letter from the courts with Lloyds defence.The letter i reseived says read carefully and fill the allocation questionnaire but there is nothing for me to fill in. All i have is Lloyds defence and a booklet about mediation. Should i ring the courts and ask where the questionnaire is????????? Any help would be greatful Thanks

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I have just reseived a letter from the courts with Lloyds defence.The letter i reseived says read carefully and fill the allocation questionnaire but there is nothing for me to fill in. All i have is Lloyds defence and a booklet about mediation. Should i ring the courts and ask where the questionnaire is????????? Any help would be greatful Thanks

 

Hi Scorpic if it's anything like my claim against Llyods you won't have an allocation questionare, i didn't that part on my letter was crossed out. Keep scanning the forums theres alot of info, try going into this thread-AQ Dispensed/Proceedings Transfered. The next step for me after receiving their defence was today i got my court hearing date letter for 20th June but again wasn't asked for any paperwork etc. Hope this is of some help for you. Suz:)

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O err ...... thats strange.

 

Sounds to me like the court have simply forgotten to pop an AQ in with your letter.

 

I would give the court a ring in the morning, just to check.

 

You can, however, go to the HM Courts web page and fill in the PDF version.

 

 

Hope that helps

 

:oops:

If I have been helpful, PLEASE click the scales

 

 

You may receive differing advice as people have had different experiences. Please use your own judgement in deciding whose advice to take. If in doubt seek advice from a qualified insured professional. Any advice I offer is done so informally, without prejudice & without liability.

 

 

I WON !!!!

 

 

HERE WE GO AGAIN .... BRING IT ON

 

:D

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LOL ..... both replied together.

 

Going by Suzys post, i would check to see if AQ is crossed out on your letter. If still unsure, give the court a ring in the morning

 

:oops:

If I have been helpful, PLEASE click the scales

 

 

You may receive differing advice as people have had different experiences. Please use your own judgement in deciding whose advice to take. If in doubt seek advice from a qualified insured professional. Any advice I offer is done so informally, without prejudice & without liability.

 

 

I WON !!!!

 

 

HERE WE GO AGAIN .... BRING IT ON

 

:D

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Lloyds tsb defence have written

 

1)this defence is served without prejudice the the defendant,contention that the statement of claim is insufficiently particularised and is embaressing. The defendant reserves the right to plead further the the statement of the claim once thay are sufficiently particularised,

2) The defendant will objectthat the particulars of claim in this action disclose noreasonable cause of action against the defendant and makes no speciific allegations against the defendant as to why the defendant should be liable to the claimant for the amount claimed.

3)The particulars of the claim do not comply with rule 16.4 1(a) of civil procedure rules as amongst other things they do not identify the account in question that appears to form the subject matter of these proceedings, or indeed show how the sum of £1387.80 is arrived at.and do not appear to take into account the refund already paid and there is no pleaded basis in law or fact for the claim itself. the particulars of the claim are to vague.

 

4) the statment of claim shows no reasonable grounds for bringing this claim and should be truck out pursuant to rule 3.4 2 (a0c) of civil precdure rules.

The bit in bold i have never reseived any refund at all

 

is this a usuall standard defence thanks

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I put

 

During the period in which the account has been operating the defendant debited numourous charges to the account in respect of purported reaches of contract on the part of the claiment and also charged interest on the charges once applied.The charges debited to the account are punitie in nature and are not a genuine preestimate of cost incurred by the defendant,exceed any alleged actual loss to the defendant in respect of any reaches on contract on the part of the claiment, and are not intended to represent or related to any alleged actual loss, but insted unduly enrich the defendant which exercises the contractual term in respect of such charges with a view to profit.

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Rang the court up nd they said because so many cases are coming through they are not sending out allocation questionnaires and that i need to ring the birmingham courts on tuesday to find out what i need to do next

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Here's a list of what should be mentioned in your Particulars of Claim:

 

Your account number

Date account was opened

The date from when your charges began

That you have already supplied a schedule of charges

That you will be supplying a further copy

That the defendant has levied charges and interest

That the defendants contractual term which allows charges is unfairand contrary to common law

The Unfair Terms in Consumer Contracts Regulations 1999, Unfair Contract Terms Act 1977 and at Common Law

Total amount claimed

Section 69 statutory interest statement

The alternative argument - S.15 Supply of Goods and Services Act 1982

Costs

 

I think you might need to amend your claim. See the link in post#7

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