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    • Yes, you should have applied for an immediate strike out as soon as the deadline expired. Without the agreement, they are stuffed Forget Barclaycard, Asset link is now the creditor, and it is down to them to provide the agreement.  That needs to go into the witness statement. They have not provided the agreement contrary to directions of the court and request the court strike out the claim as to the original court directions.
    • I did not receive a notice via post but in my claim status it shows my claim was transferred to a court I requested in my DQ, as it is closer to me.    Defense I filed:  1.       The Defendant contends that the particulars of claim are vague and generic in nature. The Defendant accordingly sets out its case below and relies on CPR r 16.5 (3) in relation to any particular allegation to which a specific response has not been made. 2.       The defendant paid the lead tenant a fixed sum monthly bill without fail for the extent of the rental period of the accommodation their contract was associated with who was responsible to make payments to the claimant, ending in June 2023. 3.       After moving out, a month later, the claimant wrote to state that an outstanding sum existed. Further stating, as one of the 10 tenants at the time, I now owed them the full sum instead of my 1/10 proportion of said debt, as 10 students were at the dwelling. They also intimated that they were legally allowed to charge me the full sum if the other renters were not to pay their share under some equal and joint severity rule. 4.       Despite sending numerous requests prior to the court claim being raised for copies of said bills for said utilities covered by the agreement, the claimant failed to send any clear bills. This included a CPR 31.14 on xx/xx/xxxx sent via post. 5.       The defendants stress that they acted in good faith to settle the outstanding balance, as evidenced by the confirmation received from the claimant.  Any subsequent demands for additional payments are unwarranted and contradict the claimant's previous acknowledgment of settlement. 6.       Pursuant to OFGEM code of back billing rules the alleged charges relate to charges which have not been billed correctly by Co-operative Energy and are therefore prevented from charging. With the court’s permission the Claimant is put to strict proof to: - a) show and disclose how the Defendant has entered into an agreement. b) show and disclose how the Claimant has reached the amount claimed. c) show how the Claimant has the legal right, either under statute or equity to issue a claim. 7.As per Civil Procedure Rule 16.5 (4) it is expected that the Claimant prove the allegation                  that the money is owed. 8.It is therefore denied that the defendant is indebted to the claimant as alleged or at all.
    • Paint is a free programme on any Windows PC. But don't worry, the choice here is not either perfection or nothing. As you say, use your scanner, save the file ... and then use the "choose files" option when you post to CAG to add the file. We can do all the redacting and converting to the correct file type at this end.  The important thing is just to get the info to us. Why not do an experiment this afternoon and see if the above works?  
    • I see they're trying to round up asylum seekers and lock them up for about three months so they can be put on planes to Rwanda. I'm a bit surprised that this is legal.  
  • Our picks

    • If you are buying a used car – you need to read this survival guide.
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    • Hello,

      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.  

      Car was dirty and test drive was two circuits of roundabout on entry to the showroom.  Was p/x my car and rushed by sales exec and a manager into buying the mini and a 3yr warranty that night, sale all wrapped up by 10pm.  They strongly advised me taking warranty out on car that age (2017) and confirmed it was honoured at over 500 UK registered garages.

      The next day, 18/1/24 noticed amber engine warning light on dashboard , immediately phoned BMW aftercare team to ask for it to be investigated asap at nearest garage to me. After 15 mins on hold was told only their 5 service centres across the UK can deal with car issues with earliest date for inspection in March ! Said I’m not happy with that given what sales team advised or driving car. Told an amber warning light only advisory so to drive with caution and call back when light goes red.

      I’m not happy to do this, drive the car or with the after care experience (a sign of further stresses to come) so want a refund and to return the car asap.

      Please can you advise what I need to do today to get this done. 
       

      Many thanks 
      • 81 replies
    • Housing Association property flooding. https://www.consumeractiongroup.co.uk/topic/438641-housing-association-property-flooding/&do=findComment&comment=5124299
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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.
      We will be recommending that people do include this adverse judgement in their bundle so that when they go to county court the judge will see both sides and see the arguments against this adverse judgement.
      Also, we will be to demonstrate to the judge that we are fair-minded and that we don't mind bringing everything to the attention of the judge even if it is against our own interests.
      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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woolwich claim settled


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I advised a colleague who has a woolwich account to send off the DPA letter a month ago.He heard nothingt until last thursday when he recieved a letter advising him they will pay £780.

The woolwich merely asked him to sign an undertaking he would not pursue the claim any further.

My advice would have been not to accept as sure as hell they owe him very much more which he could recoup in court.

It does show that the woolwich would appear to be rather less obstinate than alliance and leicester for example upon whom I shall serve a summons next week.

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Guest Lueeze

Well Im assuming he hasnt even recieved his DPA details yet?

 

If so then tell him to wait, he would be throwing away alot of money!

 

How long until the 40 days runs out? I would send a reminder to them...

 

Lou x

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Guest Mumofthreeboys

I agree with Lueeze.

 

I'm doing a claim with the Woolwich and whilst they are perhaps 'less obstinate' they are still a bank and trying to keep hold of some else's money.

 

They may have got their act together (they must get so many letters every day) and worked out how much they will have to give back and thought they'd get in first and hope he didn't know any better (little do they know)!

 

Again, I agree with Lueeze, send them a reminder that all you want is your statements.

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I agree with you both.

 

Unfortunately I think he was so surprised to be offered so suddenly a sizeable amount of money he had written off a long time ago that he signed on the dotted line and is not now interested in pursuing the matter.

 

I was quite appalled that he did not wait to get his statements to be honest.

 

I am guessing that if the woolwich are prepared to offer so much then he must have been charged a four figure sum and I did advise him accordingly.

 

I would certainly recommend that everyone waits for their statements and claims all that is properly owing.

 

Good luck to all.

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  • 4 months later...

Can I still claim charges , even though I am on a debt managment plan with the cccs. Now barclays ,capital one , and mbna have now sold the debts to collection agencies . Also do late and over limit charges qualifiy for claims.

 

thanks all

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Guest Mumofthreeboys
Thanks mumofthree

Been there done that, it wont take any money, and every time i look up a buddy and send them a message, it just comes back to me!!

 

I thimk that there is some thing wrong with the link.

 

Won't take any money?????

 

I'll have it!

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Are you sending to the buddy 0 miles from your home? as I think It could be you if there is only one buddy on your exact post code

www.bellyup4blues.com Just Go There !!!

 

Woolwich Prelim Sent 5.12.2006 !!!

S.A.R - (Subject Access Request) sent 22.12.2006 (yeah I know)

16.1.2007 £1000 offer rejected

LBA sent 31.1.2007

N1 presented to Court 15.2.2007

Won / Settled 2 days before court date

£5200 plus int charges returned.

 

All and Leics S.A.R - (Subject Access Request) sent 22.12.2006

2nd S.A.R - (Subject Access Request) sent 15.1.2007

Statements received

Prelim sent 31.1.2007

LBA Sent 15.2.2007

Won £1500 on receiving court date..

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i had a letter from woolwich via barclays, offering me £700 as a good will thing, which is half of what they owe me, so sent them the refusel letter, and have just now issued my court claim, not sure if i did all the wording right, but its going through, has antbody won against the woolwich?

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Guest Mumofthreeboys
i had a letter from woolwich via barclays, offering me £700 as a good will thing, which is half of what they owe me, so sent them the refusel letter, and have just now issued my court claim, not sure if i did all the wording right, but its going through, has antbody won against the woolwich?

 

Read this http://www.consumeractiongroup.co.uk/forum/forumdisplay.php?f=97

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  • 4 weeks later...

Hi There,

I'm New To This And Got As Far As A Letter Received From The Woolwich Stating They Are Willing To Offer Me £1,000.00 Even Though I Am Claiming Nearly £5,000 In Charges. I Have Already Sent Them Lba And Thye Know That I Will Now Be Seeking The Full Amount Requested Through The Small Claims Court.

 

I Am Now Stuck! What Stage Do I Take Now? I Do Not Want To Sod It Up! Someone Please Help Me!

 

IS THERE ANYONE THAT HAS NOT RECEIVED THEIR CHARGES BACK AND LOST THE CASE?

 

Thanks!

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Guest Mumofthreeboys
Hi There,

I'm New To This And Got As Far As A Letter Received From The Woolwich Stating They Are Willing To Offer Me £1,000.00 Even Though I Am Claiming Nearly £5,000 In Charges. I Have Already Sent Them Lba And Thye Know That I Will Now Be Seeking The Full Amount Requested Through The Small Claims Court.

 

I Am Now Stuck! What Stage Do I Take Now? I Do Not Want To Sod It Up! Someone Please Help Me!

 

IS THERE ANYONE THAT HAS NOT RECEIVED THEIR CHARGES BACK AND LOST THE CASE?

 

Thanks!

 

If the last letter you sent was the LBA, then you need to issue a claim. Do you know how to do this?

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