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    • sorry she is a private individual, the cars are parking on her land. she can clamp the cars. only firms were outlawed from doing it bazza. thats what the victims of people dumping cars on their drives near airports did and they didn't not get prosecuted.    
    • The DVLA keeps two records of you. One as a driver and one for your car. If they differ you might find out in around a month when they will send you a reminder as well as to your other half for their car. If you receive nothing then you can be fairly sure that you were tailgating though wouldn't explain why they didn't pick up your car on one of drive past their cameras. However even if you do get a PCN later then your situation will not change. The current PCN does not comply with the Protection of Freedoms Act 2012 Schedule 4 which is the main law that covers private parking. It doesn't comply for two reasons. 1. Section 9 [2][a] states  (2)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; The PCN states 47 minutes which are the arrival and departure times not the time you were actually parked. if you subtract the time you took to drive from the entrance. look for a parking place  park in it perhaps having to manoeuvre a couple of times to fit within the lines and unload the children reloading the children getting seat belts on  driving to the exit stopping for cars pedestrians on the way you may well find that the actual time you were parked was quite likely to be around ten minutes over the required time.  Motorists are allowed a MINIMUM of ten minutes Grace period [something that the rogues in the parking industry conveniently forget-the word minimum] . So it could be that you did not overstay. 2] Sectio9 [2][f]  (ii)the creditor does not know both the name of the driver and a current address for service for the driver, the creditor will (if all the applicable conditions under this Schedule are met) have the right to recover from the keeper so much of that amount as remains unpaid; Your PCN does not include the words in brackets and in 2a the Act included the word "must". Another fail. What those failures mean is that MET cannot transfer the liability to pay the charge from the driver to the keeper. Only the driver is now liable which is why we recommend our members not to appeal. It is so easy to reveal who was driving by saying "when I parked the car" than "when the driver parked the car".  As long as they don't know who was driving they have little chance of winning in court. This is partly because Courts do not accept that the driver and the keeper are the same person. And because anyone with a valid motor insurance policy is able to drive your cars. It is a shame that you are too far away to get photos of the car park signage. It is often poor and quite often the parking rogues lose in Court on their poor signage alone. I hope hat you can now relax and not panic about the PCN. You will receive many letters from Met, their unregulated debt collectors and sixth rate solicitors threatening you with ever higher amounts of money. The poor dears have never read the Act which states quite clearly that the maximum sum that can be charged is the amount on the signs. The Act has only been in force for 12 years so it may take a  few more years for the penny to drop.  You can safely ignore everything they send you unless or until they send you a Letter of Claim. Just come back to us if they do send one of those love letters to you and we will advise on a snotty letter to send them. In the meantime go on and enjoy your life. Continue reading other threads and if you do get any worrying letters let us know. 
    • Hopefully the ANPR cameras didn't pick up the two vehicles, but I don't think you're out of the woods just yet. MET's "work" consists of sending out hundreds of these invoices every week so yours might be a few days behind your partner's. There is also the matter of Royal Mail.  I once sold two second-hand books to someone on eBay.  Weirdly the cost of sending them separately was less than the cost of sending them in one parcel.  So to save a few bob I sent them seperately.  One turned up the next day.  One arrived after four days.  They were  sent from the same post office at the same time! But let's hope I'm being too pessimistic. Please update us of any developments.
    • New version after LFI's superb analysis of the contract. Sorry, but you need to redo the numbering of the paras and of the exhibits in the right order after all the damage I've caused! Defendant's WS - version 4.pdf
    • Hi  no nothing yet. Hope it stays that way 😬
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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.  

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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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Urgent!!! Please Help!


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Is that refering to the bit where Next say an unenforceable debt is still a debt etc etc?

 

 

Yes its a House of Lords ruling and therefore binding on all lower courts

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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Hi Josie thanks for that. Ive tried to google it but I can't find it. :confused:

Do you have the link please?

Abbey - *SETTLED IN FULL!* ;)

-£445 refunded after one phonecall

HERE

 

Lloyds - Reclaiming Charges ***WON!***

-09/05/07 - Prelim delivered

-22/05/07 - LBA sent - no response

-11/07/07 - Filed at court

- 26/07/07 - Full settlement offer!!!! Donation made ;)

HERE

 

Next - Trying to Sue us with no agreement! :lol:

-29/06/07 - Defence filed

-16/08/07 - AQ filed

-19/09/07 - Claim struck out!! :p

HERE and continued HERE

 

PLEASE CLICK MY SCALES IF I'VE HELPED!

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Oh btw, got a letter from the solicitors this morning basically saying thay have noted the contents of the letter sent to them and Next, and advising that they do not hold the information requested as they are the acting solicitors for litigation procedures only.

Abbey - *SETTLED IN FULL!* ;)

-£445 refunded after one phonecall

HERE

 

Lloyds - Reclaiming Charges ***WON!***

-09/05/07 - Prelim delivered

-22/05/07 - LBA sent - no response

-11/07/07 - Filed at court

- 26/07/07 - Full settlement offer!!!! Donation made ;)

HERE

 

Next - Trying to Sue us with no agreement! :lol:

-29/06/07 - Defence filed

-16/08/07 - AQ filed

-19/09/07 - Claim struck out!! :p

HERE and continued HERE

 

PLEASE CLICK MY SCALES IF I'VE HELPED!

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HAVE YOU BEEN TREATED UNFAIRLY BY CREDITORS OR DCA's?

 

BEWARE OF CLAIMS MANAGEMENT COMPANIES OFFERING TO WRITE OFF YOUR DEBTS.

 

 

Please note opinions given by rory32 are offered informally as a lay-person in good faith based on personal experience. For legal advice, you must always consult a registered and insured lawyer.

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Ah thanks rory. I searched Wilson v Minister for Trade & Industry and didn't get much lol....

Abbey - *SETTLED IN FULL!* ;)

-£445 refunded after one phonecall

HERE

 

Lloyds - Reclaiming Charges ***WON!***

-09/05/07 - Prelim delivered

-22/05/07 - LBA sent - no response

-11/07/07 - Filed at court

- 26/07/07 - Full settlement offer!!!! Donation made ;)

HERE

 

Next - Trying to Sue us with no agreement! :lol:

-29/06/07 - Defence filed

-16/08/07 - AQ filed

-19/09/07 - Claim struck out!! :p

HERE and continued HERE

 

PLEASE CLICK MY SCALES IF I'VE HELPED!

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Should I be doing something? Would it be better for me if Next dropped the case or if I defend? After Next sending the info in post 141, I would've thought that they'd realise they can't enforce the debt anyway and withdraw the claim. Or can they?

Abbey - *SETTLED IN FULL!* ;)

-£445 refunded after one phonecall

HERE

 

Lloyds - Reclaiming Charges ***WON!***

-09/05/07 - Prelim delivered

-22/05/07 - LBA sent - no response

-11/07/07 - Filed at court

- 26/07/07 - Full settlement offer!!!! Donation made ;)

HERE

 

Next - Trying to Sue us with no agreement! :lol:

-29/06/07 - Defence filed

-16/08/07 - AQ filed

-19/09/07 - Claim struck out!! :p

HERE and continued HERE

 

PLEASE CLICK MY SCALES IF I'VE HELPED!

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Hi Monopoly,

 

I will respond to your most recent posts either later tonight or tommorow. I am in the middle of drafting a defence for someone, so have very little time. Sit tight till then!;)

 

Regards,

 

Laiste.:)

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Thanks Laiste. Thought I was all alone for a minute....

Abbey - *SETTLED IN FULL!* ;)

-£445 refunded after one phonecall

HERE

 

Lloyds - Reclaiming Charges ***WON!***

-09/05/07 - Prelim delivered

-22/05/07 - LBA sent - no response

-11/07/07 - Filed at court

- 26/07/07 - Full settlement offer!!!! Donation made ;)

HERE

 

Next - Trying to Sue us with no agreement! :lol:

-29/06/07 - Defence filed

-16/08/07 - AQ filed

-19/09/07 - Claim struck out!! :p

HERE and continued HERE

 

PLEASE CLICK MY SCALES IF I'VE HELPED!

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Don't worry - you are never alone on this site. What a load of guff in such a short space of time!!!! The best thing about this is that whilst you have time (which drags in many ways) you do have time. I mean time to think about coresspondence recieved and reply to it. How about a New Years Honour for the wonderful Laiste! I never thought I would see a legal bod doing anything for nothing - I stand corrected! Best of luck!

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never thought I would see a legal bod doing anything for nothing - I stand corrected!

Laiste is not the only legal bod on this site. There are other kind people on here from the same background.

HAVE YOU BEEN TREATED UNFAIRLY BY CREDITORS OR DCA's?

 

BEWARE OF CLAIMS MANAGEMENT COMPANIES OFFERING TO WRITE OFF YOUR DEBTS.

 

 

Please note opinions given by rory32 are offered informally as a lay-person in good faith based on personal experience. For legal advice, you must always consult a registered and insured lawyer.

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I think when I get my money back from the bank charges, I will buy her one of those thingy's that types out what you say. Don't know what it's called but I'm sure it would give her more free time for herself :)

 

It IS a load of waffle. They sent the application for a card! Like that makes a difference when their opening sentence is that they do not hold an agreement.

Abbey - *SETTLED IN FULL!* ;)

-£445 refunded after one phonecall

HERE

 

Lloyds - Reclaiming Charges ***WON!***

-09/05/07 - Prelim delivered

-22/05/07 - LBA sent - no response

-11/07/07 - Filed at court

- 26/07/07 - Full settlement offer!!!! Donation made ;)

HERE

 

Next - Trying to Sue us with no agreement! :lol:

-29/06/07 - Defence filed

-16/08/07 - AQ filed

-19/09/07 - Claim struck out!! :p

HERE and continued HERE

 

PLEASE CLICK MY SCALES IF I'VE HELPED!

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Thanks. I checked MCOL and the claim is still ongoing.... its quite funny really now I have all the evidence needed :D

Abbey - *SETTLED IN FULL!* ;)

-£445 refunded after one phonecall

HERE

 

Lloyds - Reclaiming Charges ***WON!***

-09/05/07 - Prelim delivered

-22/05/07 - LBA sent - no response

-11/07/07 - Filed at court

- 26/07/07 - Full settlement offer!!!! Donation made ;)

HERE

 

Next - Trying to Sue us with no agreement! :lol:

-29/06/07 - Defence filed

-16/08/07 - AQ filed

-19/09/07 - Claim struck out!! :p

HERE and continued HERE

 

PLEASE CLICK MY SCALES IF I'VE HELPED!

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Precisely, you really must sit tight now and let time take its' course. It is frustrating as you wait - believe me, Next is not having sleeples nights over this - nor should you. There are enough people on this site to help you - this is not just help, this is CAG help!!

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Just checked MCOL again - I can't help it!

Claim is still there, still need to defend, I just can't believe it.

Next would surely have to let the solicitors know that there is no credit agreement wouldn't they??

And if there's no agreement, what do they possibly think they can gain?

 

I just can't understand their reasoning behing all this. :confused::confused:

Abbey - *SETTLED IN FULL!* ;)

-£445 refunded after one phonecall

HERE

 

Lloyds - Reclaiming Charges ***WON!***

-09/05/07 - Prelim delivered

-22/05/07 - LBA sent - no response

-11/07/07 - Filed at court

- 26/07/07 - Full settlement offer!!!! Donation made ;)

HERE

 

Next - Trying to Sue us with no agreement! :lol:

-29/06/07 - Defence filed

-16/08/07 - AQ filed

-19/09/07 - Claim struck out!! :p

HERE and continued HERE

 

PLEASE CLICK MY SCALES IF I'VE HELPED!

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I don't understand it either Monopoly! I thought they would have thrown the towel in by now!

 

I do think they are going to wait until the 11th hour to see in you will fold.

 

They are playing a psychological game with you, they have no case and they know it. Hang in there, nearly over..

 

minky xx

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If I acknowledge service though, you'd think they might understand that I'm doing it for a reason!

 

Nearly over, yes....

 

Im quite concerned actually because I haven't heard from Laiste in a while. I hope she's ok. She did say she would come back on Thursday, to start going through everything, but not heard a peep :confused:

Abbey - *SETTLED IN FULL!* ;)

-£445 refunded after one phonecall

HERE

 

Lloyds - Reclaiming Charges ***WON!***

-09/05/07 - Prelim delivered

-22/05/07 - LBA sent - no response

-11/07/07 - Filed at court

- 26/07/07 - Full settlement offer!!!! Donation made ;)

HERE

 

Next - Trying to Sue us with no agreement! :lol:

-29/06/07 - Defence filed

-16/08/07 - AQ filed

-19/09/07 - Claim struck out!! :p

HERE and continued HERE

 

PLEASE CLICK MY SCALES IF I'VE HELPED!

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Hi Monopoly,

 

There's no need to be concerned, I am always available for emergencies and for defence deadlines. Whilst I try to get back to people when I say I will, it simply isn't always possible! Plus the fact, I have a family member who is very ill, which makes things even more difficult.

 

I will address the substantive issues you raised a few days ago a bit later. What you do need to do, which will help me, is stop fretting about all this. In the absence of an agreement, the debt is entirely unenforceable. They are just making you go through the motions one, to see if you will and two, to upset and annoy you! I don't know why you are surprised

and/or frustrated that these Companies behave unfairly and unreasonably, did you expect any other sort of behaviour from them? If they can't enforce the debt, what's the next best thing for them to do...? Frustrate and annoy the hell out of you, what else is left for them....? So just because there's no agreement, doesn't mean they are in the mood for acquiescing just yet! That's just something you have to accept! At least you're not going to be in the position of having to go to trial, to argue your case in front of a District Judge, which can really be an ordeal for some!

 

What I am saying is, there really is no need whatsoever to be worrying or panicking; a Company not being in possession of an agreement is the best of all scenarios!

 

Regards,

 

Laiste.:)

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Hi Laiste! You always turn up when I'm on the edge of panic lol. Ive been fine for about a week... lol

 

Im really sorry to hear about your family member that's ill. I hope s/he gets well soon.

 

Let me know when you want to do this, and I'll make sure I'm available to answer any questions you might have, and I can write a summary of all dates, letters and events etc if that will make it easier for you.

This thread is HUGE!

 

Thanks again :)

Abbey - *SETTLED IN FULL!* ;)

-£445 refunded after one phonecall

HERE

 

Lloyds - Reclaiming Charges ***WON!***

-09/05/07 - Prelim delivered

-22/05/07 - LBA sent - no response

-11/07/07 - Filed at court

- 26/07/07 - Full settlement offer!!!! Donation made ;)

HERE

 

Next - Trying to Sue us with no agreement! :lol:

-29/06/07 - Defence filed

-16/08/07 - AQ filed

-19/09/07 - Claim struck out!! :p

HERE and continued HERE

 

PLEASE CLICK MY SCALES IF I'VE HELPED!

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All thats happening is that they are pushing it as far as they can to see if you will crack under the pressure............

 

Have a look at this thread Provident personal Credit sent this CCA in response to my request slightly different from yours but in this case Provident didn't want to go into court to explain excessive interest charges.

 

Main thing is to keep your chin up..........we're all here to help

  • Haha 1

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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Well josie, I certainly won't be cracking under the pressure!

I just can't wait to see the outcome of this. There's so many ways it could go and so many reasons why I don't think they can win, it's hard to imagine the final result. I know I must be patient, Patient, PATIENT but I'm so eager for the result!!!

Abbey - *SETTLED IN FULL!* ;)

-£445 refunded after one phonecall

HERE

 

Lloyds - Reclaiming Charges ***WON!***

-09/05/07 - Prelim delivered

-22/05/07 - LBA sent - no response

-11/07/07 - Filed at court

- 26/07/07 - Full settlement offer!!!! Donation made ;)

HERE

 

Next - Trying to Sue us with no agreement! :lol:

-29/06/07 - Defence filed

-16/08/07 - AQ filed

-19/09/07 - Claim struck out!! :p

HERE and continued HERE

 

PLEASE CLICK MY SCALES IF I'VE HELPED!

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Hi Monopoly,

 

I'm responding to the salient points of your post when you received the information from Next. First of all, they have admitted they have no credit agreement, so they are stuffed, basically. I don't know where they get their legal advice from, but they should ask for their money back! An unenforceable debt is not a debt, end of story! They would be laughed out of Court by the District Judge if they proffered that argument! So as far as their case goes, they don't have one! They are no doubt waiting to see if you file a defence or not, because obviously if you didn't they would get Judgment by Default, which is what they're hoping for, hence why they haven't withdrawn from the case.

 

If I am right in presuming that their letter wasn't marked Without Prejudice, then we can refer to it in the Defence basically saying that the Claimants have admitted they are not in possession of an agreement and know the debt is unenforceable. We would then go on to say the claim has been issued vexatiously and amounts to unlawful harassment, as the Claimants knew prior to filing the claim that they had no agreement.

 

One of two things will then happen IMO. They will either file a Notice of Discontinuance bringing the case to an end, or they will simply not respond to your defence as they are required to do, and the case will be put on a stay after 33 days. If the latter happens, they would then have to apply to a Judge to seek permission to continue with the case. The longer they leave it, the harder that becomes. However, in my view, if it gets to that stage they will simply leave it and that will be an end to it. It is highly unlikely they will carry on any further, but we'll have to wait and see....!

 

You do have some options to consider in respect of this case, given that they have no doubt registered a Default Notice (DN) against you. You could file a counter-claim (c/c) against them on the basis of unlawful harassment, if they have sent threatening/hostile letters and telephoned you also. The fact that the claim has been issued without any legal basis, also amounts to harassment. As they cannot produce an agreement, they have processed your personal details unlawfully under the Data Protection Act 1998. Registering the DN also amounts to defamation of character, as they have besmerched your reputation, and will prevent you from obtaining further credit. As part of a c/c for damages, you would be seeking removal of the DN. Bear in mind the more you claim in damages, the higher the fee for filing the c/c. You might decide to let their claim fizzle out and issue your own on the same basis. However, the burden of proving the case then rests with you and definitely preferable that it rests with them, as it does now.

 

What you need to think about is how they are going to react having not been able to collect the debt, if you subsequently ask them to remove the DN. Without the threat of having to answer a c/c or claim you might/will issue, they are going to refuse point blank to remove the DN. It will be their last act of spite, if you like. If they think there are going to be serious consequences for not removing it, then they will in all likelihood give in. Although, if you don't file a c/c, they may leave you with no other option other than to file a claim, which of course will cost you money. It costs either way, but as I've said, it's better to do this by filing a c/c. It all comes down to what you want to do. There is of course the small chance they will go to Court if you file a c/c. They would be very foolish to do this given that no agreement exists, but Companies do stupid things, so it's worth bearing in mind.

 

The DN and whether you received it or not, is a mute point given that they don't have an agreement. That said, they were correct in saying they don't have to provide a certified copy. They do have to provide a true copy however. If you didn't receive it, they won't be able to prove either that it was sent or received, as there is no record of 1st/2nd class post, so they have no evidence. A DN must contain a full date, just the month and year are not sufficient and render it invalid.

 

They haven't supplied you with the information you requested under the Subject Access Request, so I would report them to the Information Commissioner. A formal complaint is justified and may well get them into trouble!:-D They are making things unpleasant for you, so a bit of their own medicine is appropriate I think!

 

Can you remind me when the defence has to be filed by and can you post up the full details of the particulars of claim. Thanks.

 

Regards,

 

Laiste.:)

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Hi Laiste, good to hear from you! I will answer/reply to each of your paragraphs in order:

 

Their letter wasn't marked without prejudice,

 

If the case is stayed due to them not responding to the defence, where would that leave us? Could they still chase us until we file against them?

 

The letter says - "A default entry will therefore be made on your credit referance file..." I don't know if there is one there or not,

 

They haven't phoned or sent any letters since we last made a payment, but I do want to c/c for the removal of the default,if there is one, depending on the cost. How would you calculate the damages in something like this?

 

The default notice doesn't even contain half the things it should, therefore it IS invalid. Seems like it was meant more of a scare tactic. It's not even headed default notice, though it states "failure to respond will result in a default being registered."

 

They said that as I didn't include the £10 fee, they are not obliged to provide supply it and they would only provide me with info that wasn't archived,

 

The defence has to be filed by 29th June.

 

Their POC:

 

The Claimant's claim is for the sum of £187.42 being the balance outstanding on the Defendant's account in respect of the price of goods supplied and delivered by the Claimant to the order of the Defendant through its mail order catalogue service together with any charges applied to the account in accordance with the terms and conditions of use.

 

Full details of the cost of all purchases made and details of agreed payment arrangements have been given to the Defendant. The Defendant has defaulted in payment.

 

The Claimant claims £187.42

 

That is exactly how it's written, poor punctuation and all. The second paragraph is partly true now they have provided a list of balances each month, but it wasn't correct at the time they filed their claim. Neither have they given us any details of 'payment arrangements'.

 

Let me know if you need anything else. :)

Abbey - *SETTLED IN FULL!* ;)

-£445 refunded after one phonecall

HERE

 

Lloyds - Reclaiming Charges ***WON!***

-09/05/07 - Prelim delivered

-22/05/07 - LBA sent - no response

-11/07/07 - Filed at court

- 26/07/07 - Full settlement offer!!!! Donation made ;)

HERE

 

Next - Trying to Sue us with no agreement! :lol:

-29/06/07 - Defence filed

-16/08/07 - AQ filed

-19/09/07 - Claim struck out!! :p

HERE and continued HERE

 

PLEASE CLICK MY SCALES IF I'VE HELPED!

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Getting worried now.... I know I shouldn't but I feel a bit forgotten when no one posts for a while :sad:

Abbey - *SETTLED IN FULL!* ;)

-£445 refunded after one phonecall

HERE

 

Lloyds - Reclaiming Charges ***WON!***

-09/05/07 - Prelim delivered

-22/05/07 - LBA sent - no response

-11/07/07 - Filed at court

- 26/07/07 - Full settlement offer!!!! Donation made ;)

HERE

 

Next - Trying to Sue us with no agreement! :lol:

-29/06/07 - Defence filed

-16/08/07 - AQ filed

-19/09/07 - Claim struck out!! :p

HERE and continued HERE

 

PLEASE CLICK MY SCALES IF I'VE HELPED!

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