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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   Hers how: A statesman - and not just in waiting
    • 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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Caroline VS Nationwide


carolineiam
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I do not want to be a pain but the [EDITED] advocates one 14 day letter rather than two. Furthermore they state that the 6 year period is from the date of the N1 not from the date the bank received the first letter requesting the money. The have helped claim about £4000000 pounds so far and they got me clearly confused. The sending two letters strategy would cost me 400 pounds in lost charges if the [EDITED] that the 6 year period is from the date of the N1 not from the date the bank received the first letter requesting the money.

 

 

I find this quite confusing can someone help me please . I really do not want to screw up

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If U wish to follow the PCF advice, post your Claim details on that website.

If U wish to follow the advice given by Posters on CAG, continue to post on here.

BUT...

Don't expect Posters of either website to comment on the advice given on the other website please!

U will fall between two stools if U try to mix 'n' match.

PCF don't advocate Claims pre-6yrs, nor do they encourage discussion of Claiming Contractual Interest.

If U are in ANY doubt as to what to do...take your OWN council.

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If U wish to follow the PCF advice, post your Claim details on that website.

If U wish to follow the advice given by Posters on CAG, continue to post on here.

 

BUT...

 

Don't expect Posters of either website to comment on the advice given on the other website please!

U will fall between two stools if U try to mix 'n' match.

 

PCF don't advocate Claims pre-6yrs, nor do they encourage discussion of Claiming Contractual Interest.

 

If U are in ANY doubt as to what to do...take your OWN council.

 

 

 

That is good advice. I think I will stick with CAG. How do you reckon I should proceed. I have allready sent a prelim ... got the fob off answer and have drafted a letter before action where some charges are incurred on the 12th of July 01. Shall I carry on with this and go to court ....even though in their defence they will quote the limitations act ? or shall I claim a smaller amount when applying in the court ? (not including the 12 of july charges)

 

My worry is that the claim will be striken out due to the limitations act. Please help i am getting quite peed off (though everything would be okay until this complication creeped up) I called the court which stated that they are ADAMANT that the 6 years are up to the date of issuing the court claim not up to the letter requesting the the money back .

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That is good advice. I think I will stick with CAG. How do you reckon I should proceed.
That has to be YOUR decision cos it's YOUR money!!!

 

If it was MY Claim though, I would attempt to keep the ENTIRE sum as ONE Claim.

Just remember that Nationwide will attempt to apportion the money that it will eventually Refund to U.

U MUST resist this, by possibly actually appearing in Court yourself, to be successful with your Claim.

 

 

 

My worry is that the claim will be striken out due to the limitations act. Please help i am getting quite peed off (though everything would be okay until this complication creeped up) I called the court which stated that they are ADAMANT that the 6 years are up to the date of issuing the court claim not up to the letter requesting the the money back .
Here are a few Threads that may interest U...

http://www.consumeractiongroup.co.uk/forum/faqs-please-read-these/31575-important-things-you-really.html?garpg=6

 

http://www.consumeractiongroup.co.uk/forum/nationwide/68902-nationwide-claiming-beyond-6-a.html

 

http://www.consumeractiongroup.co.uk/forum/general/80486-claiming-beyond-6-yrs.html

 

The next Losing Thread highlights just a few of the pitfalls that were encountered...

http://www.consumeractiongroup.co.uk/forum/nationwide/54166-taylors-nationwide-3rd-time.html

 

A Thread debating the exact issue that concerns U...

http://www.consumeractiongroup.co.uk/forum/general/50279-when-does-6-year.html

 

 

Advice for further reading!...

http://www.consumeractiongroup.co.uk/forum/nationwide/89894-pre-6-years-account.html

 

http://www.consumeractiongroup.co.uk/forum/show-post/post-367980.html

 

 

Here are various Acts that U may be thinking of referring to?!...

http://www.consumeractiongroup.co.uk/forum/statutes-library/415-limitation-act-1980-a.html

 

http://www.consumeractiongroup.co.uk/forum/statutes-library/33-unfair-contracts-terms-act.html

 

http://www.consumeractiongroup.co.uk/forum/statutes-library/40-unfair-terms-consumer-contracts.html

 

http://www.consumeractiongroup.co.uk/forum/statutes-library/90-theft-amendment-act-1996-a.html

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That is good advice. I think I will stick with CAG.

A wise choice.;)

If this has been useful to you, please click on the scales at bottom left of post. Thanks.

 

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That has to be YOUR decision cos it's YOUR money!!!

 

If it was MY Claim though, I would attempt to keep the ENTIRE sum as ONE Claim.

Just remember that Nationwide will attempt to apportion the money that it will eventually Refund to U.

U MUST resist this, by possibly actually appearing in Court yourself, to be successful with your Claim.

 

 

 

Here are a few Threads that may interest U...

http://www.consumeractiongroup.co.uk/forum/faqs-please-read-these/31575-important-things-you-really.html?garpg=6

 

http://www.consumeractiongroup.co.uk/forum/nationwide/68902-nationwide-claiming-beyond-6-a.html

 

http://www.consumeractiongroup.co.uk/forum/general/80486-claiming-beyond-6-yrs.html

 

The next Losing Thread highlights just a few of the pitfalls that were encountered...

http://www.consumeractiongroup.co.uk/forum/nationwide/54166-taylors-nationwide-3rd-time.html

 

A Thread debating the exact issue that concerns U...

http://www.consumeractiongroup.co.uk/forum/general/50279-when-does-6-year.html

 

 

Advice for further reading!...

http://www.consumeractiongroup.co.uk/forum/nationwide/89894-pre-6-years-account.html

 

http://www.consumeractiongroup.co.uk/forum/show-post/post-367980.html

 

 

Here are various Acts that U may be thinking of referring to?!...

http://www.consumeractiongroup.co.uk/forum/statutes-library/415-limitation-act-1980-a.html

 

http://www.consumeractiongroup.co.uk/forum/statutes-library/33-unfair-contracts-terms-act.html

 

http://www.consumeractiongroup.co.uk/forum/statutes-library/40-unfair-terms-consumer-contracts.html

 

http://www.consumeractiongroup.co.uk/forum/statutes-library/90-theft-amendment-act-1996-a.html

 

 

You are an asset to this site... especially for the newbe like me. It seems that the reason banks are paying up post 6 year claims when there are some within the 6 years charges included is beacuase if they were to turn up in court they would have to argue about the legality of the within the 6 year charges as they cannot say 'we don't have to argue about them we dont have to discuss them because the claimant cannot apply due to the limitations act and he cannot claim concealement because no one decided that they are illegal judicially' because they would be in court and they would have to talk about whether their within the 6 year period charges are legal or not.

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Errrm...Yeah...Something like that!...:oops: ;-)

 

The same principle applies to when Contractual Interest is Claimed.

...Although the specific argument is slightly different.

 

Problems arise when Claimants are paid a Partial Refund of what they have Claimed + allow a Bank to dictate what the Refund refers to.

 

(Nationwide, in particular, often Defends the FULL amount. It then pays a PARTIAL amount + gives reasons to the Claimant for NOT paying the rest.

The Claimant believes that the Bank has a right to do this, TOTALLY ignoring the fact that the Bank could have Defended a Partial amount if it had admitted some of the Claim, in it's original submission to the Court, but had chosen NOT to. It is an ALL or NOTHING Defence, that the Bank has submitted!!!)

 

Many Claimants then lose the plot + bottle taking their Claim further, for fear of losing what they have received so far + also incurring having to pay the Banks' extra legal costs.

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Send LBA with special delivery. I am checking to see and print the electronic proof of delivery and ......'sorry the electroni proof of delivery is not available to this item as the scanner may not have scanned it correctly'

 

 

F£"£" great.

 

 

It says the date it was delivered but I can't proove that it was signed for and /or by whom !

 

 

Am i buggered ... do I need the electronic proof of delivery ?

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Does the Court send ANYTHING via Recorded Delivery??

...Nah!

U have kept the Recorded Delivery Receipt, have U NOT??!

...That is your proof of posting!

The letter will be deemed to have been received TWO days from the date of posting, unless U can prove that it got there sooner.

btw...'To be b*ggered' is illegal...+ is it even possible electronically??!...lol...:D

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Does the Court send ANYTHING via Recorded Delivery??

...Nah!

 

U have kept the Recorded Delivery Receipt, have U NOT??!

...That is your proof of posting!

 

The letter will be deemed to have been received TWO days from the date of posting, unless U can prove that it got there sooner.

 

btw...'To be b*ggered' is illegal...+ is it even possible electronically??!...lol...:D

 

I am uncertain over the lawfulness of the aforementioned issue. Nevertheless I am certain with the level of growth in the field of computer science one day there would be the opportunity for indivuals to receive an e-buggery.

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  • 3 weeks later...

Hi all.

 

 

 

I am trying to type up a particulars of claim but it is too lengthy for the box in the pdf N1 form. I heard that if you attach an additional sheet then you have the responsibility to post it to the defendant within 14 days ! ? I scoured the web and I found conflicting information. Can someone who succesfully done this let me know exactly how to do it ? I.e what do I put on the blanc poc bit on the n1 etc etc

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Try the good ol' fashioned way!

Print out the Blank N1 Form + write out your PoC by using a pen.

Then either scan/copy/print/save the finished N1 Form on your own PC, or just photocopy enough copies that U will need, if U have access to a photocopier.

3 X Completed N1 Forms should be handed in/sent to your local County Court.

It is the MCOL route where the difficulties lie, when it comes to lengthy PoC's

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  • 1 month later...

I received a letter from Nationwide credit card services stating that they offered me a refund ! in full ! but it is credited back in my now defaulted and closed credit card account. They stated that the charges are a fair contribution towards their costs when there is a breach of contract by me.

 

 

I had made it clear in the court papers that I wanted payment directly in the form of a cheque ! so I relplied :

 

Dear Mrs bbbbbbb

Regarding: Nationwide Credit Card Services: Gold card number: xxxxxxxx Your Log Ref: xxxx

 

I am very disappointed that you are still failing to positively respond to my request even at such late stage of the litigation process brought against you. May I remind you that in my previous letter to you I specifically stated: I will expect that the monies will not be placed back in my credit card account as it is now closed and as I will be exercising my first right of appropriation for these funds “. Furthermore I have made it crystal clear in my court claim that the only payment acceptable would be directly to my self in the form of a cheque and not back to the aforementioned (now closed) credit account. I will be delighted to explain to the court why I made this request if needed.

As you have not complied with my request for direct payment of the total amount unfortunately my court claim will not cease.

In regards to your assertion that your charges are a fair contribution towards your costs

I am sure that everyone in the country will be delighted to hear that your solicitors would actually turn up to court one day and finally disclose your true costs in relation to the breaches of contract that instigate your regime of charges in your Nationwide Gold Credit Card accounts. Unfortunately you haven’t done this so far judging by the amounts of cases you have already settled with other customers of yours. Until you do so I feel that there is no substance to your assertions of fairness in regards to your charges.

In regards to your assertion that you are a fair organisation

May I remind you that 3 years ago when I was struggling to make the repayments to the aforementioned credit card account due to unexpected loss of employment your credit card department put a freeze on my nationwide flex account even though I was in receipt of benefits paid into that account at the time. To my requests to you to allow me to access my benefits (child benefit etc) you responded negatively even though I had every intention to work out a payment plan I could afford. It took the intervention of the ever so helpful and understanding to the consumer xxxx County Court back then for us to reach a fair agreement. The sum of money you retrieved from me back then included the amount of credit charges I am now claiming. Now in regards to the legal action brought against you due to the charges you levied in regards to the Gold card with the number: It is disappointing that I had to ask for the help of the xxxx County Courts once again as you will not comply with my fair requests for a repayment of the total amount plus interest plus court costs directly to my self as stated in the letters I have sent to you and of course the court papers. Thus, I feel that describing yourselves as a ‘fair organisation’ that ‘cares for its members’ perhaps is not applying to me.

Yours sincerely,

 

 

tell me what you think .... When I get some money in my hand I will def make a donation . :)

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I received a letter from Nationwide credit card services stating that they offered me a refund ! in full ! but it is credited back in my now defaulted and closed credit card account. They stated that the charges are a fair contribution towards their costs when there is a breach of contract by me.

 

 

I had made it clear in the court papers that I wanted payment directly in the form of a cheque ! so I relplied :

 

Dear Mrs bbbbbbb

Regarding: Nationwide Credit Card Services: Gold card number: xxxxxxxx Your Log Ref: xxxx

 

I am very disappointed that you are still failing to positively respond to my request even at such late stage of the litigation process brought against you. May I remind you that in my previous letter to you I specifically stated: I will expect that the monies will not be placed back in my credit card account as it is now closed and as I will be exercising my first right of appropriation for these funds “. Furthermore I have made it crystal clear in my court claim that the only payment acceptable would be directly to my self in the form of a cheque and not back to the aforementioned (now closed) credit account. I will be delighted to explain to the court why I made this request if needed.

 

 

As you have not complied with my request for direct payment of the total amount unfortunately my court claim will not cease.

 

In regards to your assertion that your charges are a fair contribution towards your costs

 

I am sure that everyone in the country will be delighted to hear that your solicitors would actually turn up to court one day and finally disclose your true costs in relation to the breaches of contract that instigate your regime of charges in your Nationwide Gold Credit Card accounts. Unfortunately you haven’t done this so far judging by the amounts of cases you have already settled with other customers of yours. Until you do so I feel that there is no substance to your assertions of fairness in regards to your charges.

 

 

In regards to your assertion that you are a fair organisation

 

May I remind you that 3 years ago when I was struggling to make the repayments to the aforementioned credit card account due to unexpected loss of employment your credit card department put a freeze on my nationwide flex account even though I was in receipt of benefits paid into that account at the time. To my requests to you to allow me to access my benefits (child benefit etc) you responded negatively even though I had every intention to work out a payment plan I could afford. It took the intervention of the ever so helpful and understanding to the consumer xxxx County Court back then for us to reach a fair agreement. The sum of money you retrieved from me back then included the amount of credit charges I am now claiming. Now in regards to the legal action brought against you due to the charges you levied in regards to the Gold card with the number: It is disappointing that I had to ask for the help of the xxxx County Courts once again as you will not comply with my fair requests for a repayment of the total amount plus interest plus court costs directly to my self as stated in the letters I have sent to you and of course the court papers. Thus, I feel that describing yourselves as a ‘fair organisation’ that ‘cares for its members’ perhaps is not applying to me.

 

Yours sincerely,

 

 

tell me what you think .... When I get some money in my hand I will def make a donation . :)

 

anyone ??

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  • 1 month later...
  • 1 month later...

Hi again carolineiam!

Hi there !! Guess what my credit card claim has been stayed !!!

 

:confused::confused::confused::confused:

Credit Cards aren't part of the currently pending OFT Court Case!...;)

 

I am off to bed early tonight cos of work in the morning unfortunately.

Have a look at Threads which are in the process of appealing against Stays being applied to Credit Card Claims etc.

...There should be zillions around somewhere?!

 

 

I will have a look myself for U, but tomorrow.

Perhaps someone else may Post something tonight to help U??...:idea::)

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