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    • Unsure what would be classed as appeal I first contacted the applicant then IAS. I am not aware I could appeal again as Bank state I was informed that is news to me. I would have to look through the paper work, I apologise I forget so much due to my caring duties wish I had quality time to get so much done. Will try and look tomorrow, appreciate everyone's time and input.
    • Hi, I've been reading the invaluable advice on this forum and reading about the problems with Evri and lost delivery of items.  From what I gather the initial steps after having exhausted every's own lost item claim process is to draft a Letter of Claim, I think it is called and to register with the government Money Claims.  I have got a login for Money Claims and have made an initial stab at the letter but I'm not certain I have got it right. Am I right to assume that having exhausted Evri customer service's claims process and having received the denial of any compensation because the laptop I was sending is on the non-compensatory list that my next step would be to send the Letter of Claim to them? Let me provide some basic details which I hopefully have addressed in the letter. I purchased a laptop through Amazon.co.uk which a business in Belfast sold refurbished laptops through.  They had a 30 day money back guarantee for a full refund if you have any issues with the laptop.  I have the invoice from Amazon showing the purchase.  On 27 April, 2024 before the end of the 30 day period I used their ParcelShop (inside a Tesco) to send the laptop back and have the tracking reference mentioned in the letter.  As mentioned in the letter there was they advised they could not give me or sell me any insurance because laptops are on the non-compensatory list so I just paid the normal delivery cost.  It was scanned as leaving the ParcelShop on 29 April and the tracking has been like that ever since.  After a 28 working day Evri claim process they gave the expected response that they could not provide any compensation and simply could not proceed with my claim. I was hoping to get some advice on whether I go ahead now and email this to Customer Services straightaway and should I send a hard-copy to the Evri address as well?  Or are there any steps I have missed out on first?  I believe 14 days is the reasonable period of time for them to respond so if I were to send it tomorrow, for example 12 June then I should expect a reply by 26 June, is that correct and fair?  And assuming they don't reply with a full refund then I would then go down the government Money Claims site to proceed with that? Sorry for all the questions, I want to make sure I go about it properly.  I'll continue to read through other cases on here so I can get an even better handle on the process. I attached a LOC, happy for any edits or updates that will make it even better. Thanks so much for anyone's help! Regards, Matt Evri letter of claim.docx
    • The date was 3 June. Get on MCOL now. The legal principle is that, even if you defence is late, if the other party hasn't requested judgement, then your defence takes priority and is accepted. You might be in time. When I say now I mean now.  Recently we had someone who was nine days' late and this was pointed out to them at 5:30pm.  They faffed around till 11pm.  When they went on MCOl they saw that judgement had been entered at 7pm. Every minute is vital. File the below standard defence if you still can - 1.  The Defendant is the recorded keeper of [motor vehicle]. 2.  It is denied that the Defendant entered into a contract with the Claimant. 3.  As held by the Upper Tax Tribunal in Vehicle Control Services Limited v HMRC [2012] UKUT 129 (TCC), any contract requires offer and acceptance.  The Claimant was simply contracted by the landowner to provide car-park management services and is not capable of entering into a contract with the Defendant on its own account, as the car park is owned by and the terms of entry set by the landowner.  Accordingly, it is denied that the Claimant has authority to bring this claim.    4.  In any case it is denied that the Defendant broke the terms of a contract with the Claimant. 5.  The Claimant is attempting double recovery by adding an additional sum not included in the original offer.  6.  The Particulars of Claim is denied in its entirety.  It is denied that the Claimant is entitled to the relief claimed or any relief at all.
    • Hi friends,  I’m a bit worried I may have got confused with timings here. I thought I had 33 days from my acknowledgment to submit a defence but the date added above says 3/6/24.   have I missed the date?   if so how can I apply for an exception due to my disability and problems with deadlines and dates etc (ADHD)?   what should I submit as a defence?   I’ve had no reply from BW so far    just been back on MCOL and it says 28 days from service if I completed an acknowledgment of service so does that mean 28 days from that of acknowledgement (I.e. 16/5) which would make deadline for defence 14/6?   Thanks! Panicking here.
    • Normally we don't advise playing your cards early in a snotty letter, but as you have appealed we might as well use what you wrote in the appeal against them. There is no rush, you have until 6 July to get it to them.  See what the other regulars think too. How about something like this? -   Dear Rachael & Sean, cheers for your Letter of Claim.  I rolled around on the floor in laughter at the idea you'd actually thought I'd take such tripe seriously and would cough up! As usual you'll have been too bone idle to do any due diligence.  Had you done so you would have seen that I appealed to your client.  Indeed the driver on the day is a textbook example of having done exactly what you should do when you do not wish to be bound by the T&Cs in a private car park. Of course none of that mattered to the spivs you represent but do you really want to put such a useless case in front of a judge? To be fair, your clients are very useful members of the human race - as comedians.  How I loved the page turner of their antics at The Citrus Building in Bournemouth.  It was chuckle after chuckle reading about them, letter after letter, month after month, insisting they were legally in the right, even through someone who had done just the first day of a GCSE law course could have told them they weren't.  Until the denouement - BOOM - an absolute hammering in court.  In fact - SLAM, BANG - managing to lose twice against the same motorist for the same car park in front of two different judges. Your client can either drop their foolishness now or get yet another tolchocking* in court where I will go for an unreasonable costs order under CPR 27.14(2)(g) and spend the dosh on a nice summer holiday, while every day laughing at your clients' expense. I look forward to your deafening silence. COPIED TO COUNTRYWIDE PARKING MANAGEMENT LTD   *  This word is used under licence from Brassnecked
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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.  

      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.

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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.
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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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SLC Cannot Supply The Original Agreement


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Is that the Natural Enviroment Research Council ?

 

Natural Environment & Rural Communities Act 2006

 

Pete, ...errr.. Bruce.... errr..... whomever! :D

I will not make any deals with you. I will not be pushed, filed, stamped, indexed, briefed, debriefed or numbered. My life is my own. Number 6

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Wow. That'll teach me to go to bed early! Well done Bruce (and second Bruce). Perhaps this information needs to go into an FAQ or Statutes section so people know what to do when companies try this one.

 

I would like to allege in my letter that HSBC are willfully misleading me. Is this a dangerous thing to do, seeing as I could not prove it? I would think the balance of probability is on my side though as they are the worlds second largest bank and can afford to know the law.

NatWest Charges: £3708.81. Allocated to fast track 14/10/06. *SETTLED IN FULL* 23/10/06 5% donation made

 

HSBC Default Removal and £186 charges: N1 claim issued 28/11/06 *WON* 28/02/07 5% donation made

 

Egg Charges: £370. N1 claim issued 24/11/06. *SETTLED IN FULL* 12/01/07 5% donation made

 

Natwest Student: £150. N1 claim issued 24/11/06. *SETTLED IN FULL* 10/12/06 5% donation made

Natwest Credit card: £317.01 INCLUDING CONTRACTUAL INTEREST, *WON* 30/11/06 5% Donation Made

 

Ikano Data Protection Act deception and non-complience: N1 claim issued 28/11/06. *SETTLED IN FULL* 12/12/06 5% donation made

I am not a lawyer. All advice is merely my own opinion. Nevertheless, I've won £4675 so far!

Tip my scales if you like my advice :)

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Is there a FAQ/step by step about this? If so can someone provide a link. I am hoping to send Barclaycard, BlackHorse, and Northern Rock a CCA request.

 

 

"I feel sorry for people who don't drink. When they wake up in the morning, that's as good as they're going to feel all day.”

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Natural Environment & Rural Communities Act 2006

 

Pete, ...errr.. Bruce.... errr..... whomever! :D

 

I was close :D

 

ooooh I have a copy of Si 1983/1557 just arrived which has now made me late fro work but I dont care after seeing this ;)

 

Peter (or was it Bruce ) is perfectly correct and I dont need to see SI1983/1569 to say that.SI 1557 ONLY applies where copies of documents are sent pre-contract as part of the cancellation rights.

 

IT specifically covers the format of cancellation documents (and copies) where sections 62,63,64, 68,58, 82 and 85 are concerned. Section 77/78 asre NOT covered by SI 1557.

 

I'll post the details regarding sec 85 later but its nothing to worry about;-)

Alliance & leicester:Settled 8/9/06 http://www.consumeractiongroup.co.uk/forum/alliance-leicester-successes/19700-tamadus-l.html?highlight=tamadus

Capital One:Settled 22/9/06 http://www.consumeractiongroup.co.uk/forum/capital-one/16644-tamadus-capital-one.html?highlight=tamadus

MBNA 2 accounts:Settled 22/9/06 http://www.consumeractiongroup.co.uk/forum/other-institutions-successes/13831-tamadus-mbna-i.html?highlight=tamadus

Smile:Settled 15/11/06

Egg Card:S.A.R - (Subject Access Request) sent 2/10/06

GE Money:S.A.R - (Subject Access Request) sent3/8/06 LBA sent 26/9/06

Abbey:ERC prelim sent 14/9/06. LBA sent 2/10/06. Now it's getting interesting so keep watching

Barclaycard:In criminal default watch this space

Lloyds TSB:In criminal default watch this space

 

If my comments have been useful please click the scales and let me know.

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Wow. That'll teach me to go to bed early! Well done Bruce (and second Bruce). Perhaps this information needs to go into an FAQ or Statutes section so people know what to do when companies try this one.

 

I would like to allege in my letter that HSBC are willfully misleading me. Is this a dangerous thing to do, seeing as I could not prove it? I would think the balance of probability is on my side though as they are the worlds second largest bank and can afford to know the law.

 

IMHO Bruce (or is that Pete) ( or maybe even Kate) I believe HSBC are willfully misleading you. Having read this SI quickly there is no doubt in my mind that it only applies where copies of documents are supplied as part of the right of cancellation and therefore only applies to new agreements. Existing agreement are NOT covered by it.

 

Therefore to quote this SI as a reason for not supplying a copy of the executed agreement under a section 77/78 request is blatant misleading.

 

I am tempted now to contact the Law Society, if I had a solicitors name I would register a complaint about him/her deliberately telling mistruths to mislead and confuse.

 

Bruce

Alliance & leicester:Settled 8/9/06 http://www.consumeractiongroup.co.uk/forum/alliance-leicester-successes/19700-tamadus-l.html?highlight=tamadus

Capital One:Settled 22/9/06 http://www.consumeractiongroup.co.uk/forum/capital-one/16644-tamadus-capital-one.html?highlight=tamadus

MBNA 2 accounts:Settled 22/9/06 http://www.consumeractiongroup.co.uk/forum/other-institutions-successes/13831-tamadus-mbna-i.html?highlight=tamadus

Smile:Settled 15/11/06

Egg Card:S.A.R - (Subject Access Request) sent 2/10/06

GE Money:S.A.R - (Subject Access Request) sent3/8/06 LBA sent 26/9/06

Abbey:ERC prelim sent 14/9/06. LBA sent 2/10/06. Now it's getting interesting so keep watching

Barclaycard:In criminal default watch this space

Lloyds TSB:In criminal default watch this space

 

If my comments have been useful please click the scales and let me know.

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I would like to allege in my letter that HSBC are willfully misleading me. Is this a dangerous thing to do, seeing as I could not prove it? I would think the balance of probability is on my side though as they are the worlds second largest bank and can afford to know the law.

 

I would not personally allege that anyone is guilty of any crime, that's for a judge to decide.

 

Rather I would write along the lines of:

 

I do not agree with your interpretation of the Consumer Credit (Cancellation Notices and Copies of Documents) Regulations 1983. I believe that these regulations apply to pre-contractual documents or document copies issued by the creditor in the immediate aftermath of a credit agreement under the control of the Consumer Credit Act 1974 (the Act) Sections 58,62, 63 and 64.

 

Sections 77 and 78 of the Act are not bound by the Consumer Credit (Cancellation Notices and Copies of Documents) Regulations 1983; any request under Sections 77 and 78 of the Act can only be fulfilled with a copy of the fully and properly executed agreement conforming to Section 61 of the Act.

 

I am surprised that HSBC, with all it's legal resources is unaware of the applicability of the various sections of the Act and associated regulations especially as a high proportion of HSBC's business in the UK is regulated by the Act! I am assuming of course that this is a genuine error on your part and not a willful attempt to mislead me which of course would be a serious offence.

 

I therefore await your full and proper response to my Consumer Credit Act 1974 Section 78 request. I posted this to you on ______ and I deemed it to have been received by HSBC on ________ (2 days later). You therefore have until _____ to respond.

 

Something like that anyway should do the trick.

 

The original Bruce

I will not make any deals with you. I will not be pushed, filed, stamped, indexed, briefed, debriefed or numbered. My life is my own. Number 6

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Is there a FAQ/step by step about this? If so can someone provide a link. I am hoping to send Barclaycard, BlackHorse, and Northern Rock a CCA request.

 

There is a template letter for making a section 77/78 request. A lot of thsi discussion is to counter claims for not supplying the agreement under that request under SI1983/1557. I have posted above a possible response if the company does try using this.

 

No FAQ or sticky yet but I expect it will come soon.

Alliance & leicester:Settled 8/9/06 http://www.consumeractiongroup.co.uk/forum/alliance-leicester-successes/19700-tamadus-l.html?highlight=tamadus

Capital One:Settled 22/9/06 http://www.consumeractiongroup.co.uk/forum/capital-one/16644-tamadus-capital-one.html?highlight=tamadus

MBNA 2 accounts:Settled 22/9/06 http://www.consumeractiongroup.co.uk/forum/other-institutions-successes/13831-tamadus-mbna-i.html?highlight=tamadus

Smile:Settled 15/11/06

Egg Card:S.A.R - (Subject Access Request) sent 2/10/06

GE Money:S.A.R - (Subject Access Request) sent3/8/06 LBA sent 26/9/06

Abbey:ERC prelim sent 14/9/06. LBA sent 2/10/06. Now it's getting interesting so keep watching

Barclaycard:In criminal default watch this space

Lloyds TSB:In criminal default watch this space

 

If my comments have been useful please click the scales and let me know.

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I would not personally allege that anyone is guilty of any crime, that's for a judge to decide.

 

Rather I would write along the lines of:

 

 

 

Something like that anyway should do the trick.

 

The original Bruce

 

Much better :D

Alliance & leicester:Settled 8/9/06 http://www.consumeractiongroup.co.uk/forum/alliance-leicester-successes/19700-tamadus-l.html?highlight=tamadus

Capital One:Settled 22/9/06 http://www.consumeractiongroup.co.uk/forum/capital-one/16644-tamadus-capital-one.html?highlight=tamadus

MBNA 2 accounts:Settled 22/9/06 http://www.consumeractiongroup.co.uk/forum/other-institutions-successes/13831-tamadus-mbna-i.html?highlight=tamadus

Smile:Settled 15/11/06

Egg Card:S.A.R - (Subject Access Request) sent 2/10/06

GE Money:S.A.R - (Subject Access Request) sent3/8/06 LBA sent 26/9/06

Abbey:ERC prelim sent 14/9/06. LBA sent 2/10/06. Now it's getting interesting so keep watching

Barclaycard:In criminal default watch this space

Lloyds TSB:In criminal default watch this space

 

If my comments have been useful please click the scales and let me know.

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Much better :D

 

Thank you good sir :cool:

 

I would of course also be pointing out in my letter that the clock is still ticking from the date of the original request to HSBC under S78.... (12 working days + 2 then one month = criminal default) ;) . There will be no time extension just because HSBC "misunderstood" the regulations!!

 

The original Bruce

I will not make any deals with you. I will not be pushed, filed, stamped, indexed, briefed, debriefed or numbered. My life is my own. Number 6

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I can not thank you all enough. You are brilliant. Thank you xx

 

Thanks Sam.

 

We are here to help each other; each of us alone would never have got so far but by putting our heads together we can outthink any organisation! 8-)

 

Pete

I will not make any deals with you. I will not be pushed, filed, stamped, indexed, briefed, debriefed or numbered. My life is my own. Number 6

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I can not thank you all enough. You are brilliant. Thank you xx

 

I agree totally...... all pasted into word now ready for a response yipee I love this forum:D:D!

 

Barclaycard Student credit card £400 partial refund received, S.A.R -

Open & Direct Finance- extortionate, cca to Rockwell debt collection they ran away, now with Bryan Carter, no cca 17/03/08 sent back to Open

Pugsley v Littlwoods, have not received the signed credit agreement only quoting reg of 1983

Pugsley v Fashion World JD williams, 17/03 2008 Debt Managers returning file to JD williams as they could not supply the credit agreement

Capital one MCOL Settled in full

Smile lba settled in full

advice is given informally and without liability and without prejudice.

 

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Coments and rewrites on the suggested draft I posted above are welcome

 

That seems to be just the ticket. Lets hope there are no other devious little suprises up their sleves.

Yes i did spend a good amount of time in the library just goes to show in the age of the internet sometimes you just have to hit the books for an answer.

Cheers Peter

DO NOT PAY UPFRONT FEES TO COLD CALLERS PROMISING TO WRITE OFF YOUR DEBTS

DO NOT PAY UPFRONT FEES FOR COSTLY TELEPHONE CONSULTATIONS WITH SO CALLED "EXPERTS" THEY INVARIABLY ARE NOTHING OF THE SORT

BEWARE OF QUICK FIX DEBT SOLUTIONS, IF IT LOOKS LIKE IT IS TO GOOD TO BE TRUE IT INVARIABLY IS

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Coments and rewrites on the suggested draft I posted above are welcome

 

That seems to be just the ticket. Lets hope there are no other devious little suprises up their sleves.

Yes i did spend a good amount of time in the library just goes to show in the age of the internet sometimes you just have to hit the books for an answer.

Cheers Peter

 

A devious little surprise could be coming later this evening after I have chance to talk to a couple of people. Peter can you check and respond to your PM's please.

 

In the meantime everyone please hold fire, something has come to my attention an hour ago and I need to thoroughly check its validity.

Alliance & leicester:Settled 8/9/06 http://www.consumeractiongroup.co.uk/forum/alliance-leicester-successes/19700-tamadus-l.html?highlight=tamadus

Capital One:Settled 22/9/06 http://www.consumeractiongroup.co.uk/forum/capital-one/16644-tamadus-capital-one.html?highlight=tamadus

MBNA 2 accounts:Settled 22/9/06 http://www.consumeractiongroup.co.uk/forum/other-institutions-successes/13831-tamadus-mbna-i.html?highlight=tamadus

Smile:Settled 15/11/06

Egg Card:S.A.R - (Subject Access Request) sent 2/10/06

GE Money:S.A.R - (Subject Access Request) sent3/8/06 LBA sent 26/9/06

Abbey:ERC prelim sent 14/9/06. LBA sent 2/10/06. Now it's getting interesting so keep watching

Barclaycard:In criminal default watch this space

Lloyds TSB:In criminal default watch this space

 

If my comments have been useful please click the scales and let me know.

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OK Tam, cool.......can't wait for your reply!! :)

Disclaimer: Anything I write in these forums is my personal opinion and offered without prejudice. If in doubt, please seek independent legal advice.

 

*If what I have told you in this post has helped, please press the star at the bottom left and tell me!!*

 

My charges claims:

un1boy vs egg *SETTLED* | Un1boy vs LTSB-SETTLED | un1boy vs Black Horse-SETTLED | Un1boy v Smile *WON* | un1boy v HSBC - SETTLED! | Un1boy's HSBC CC - SETTLED! | Un1boy vs Co-Op *SETTLED* |un1boy vs Co-Op CC *SETTLED*

 

Default removals:

un1boy v Equifax - Default removal

un1boy vs Experian - Default removal

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A devious little surprise could be coming later this evening after I have chance to talk to a couple of people. Peter can you check and respond to your PM's please.

 

In the meantime everyone please hold fire, something has come to my attention an hour ago and I need to thoroughly check its validity.

Holy smoke.

My nipples explode with delight :o.

NatWest Charges: £3708.81. Allocated to fast track 14/10/06. *SETTLED IN FULL* 23/10/06 5% donation made

 

HSBC Default Removal and £186 charges: N1 claim issued 28/11/06 *WON* 28/02/07 5% donation made

 

Egg Charges: £370. N1 claim issued 24/11/06. *SETTLED IN FULL* 12/01/07 5% donation made

 

Natwest Student: £150. N1 claim issued 24/11/06. *SETTLED IN FULL* 10/12/06 5% donation made

Natwest Credit card: £317.01 INCLUDING CONTRACTUAL INTEREST, *WON* 30/11/06 5% Donation Made

 

Ikano Data Protection Act deception and non-complience: N1 claim issued 28/11/06. *SETTLED IN FULL* 12/12/06 5% donation made

I am not a lawyer. All advice is merely my own opinion. Nevertheless, I've won £4675 so far!

Tip my scales if you like my advice :)

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Holy smoke.

My nipples explode with delight :o.

 

I'm hoping thats not Kate/Bruce with exploding nipples lmao

 

Imagine the devestation :o

Alliance & leicester:Settled 8/9/06 http://www.consumeractiongroup.co.uk/forum/alliance-leicester-successes/19700-tamadus-l.html?highlight=tamadus

Capital One:Settled 22/9/06 http://www.consumeractiongroup.co.uk/forum/capital-one/16644-tamadus-capital-one.html?highlight=tamadus

MBNA 2 accounts:Settled 22/9/06 http://www.consumeractiongroup.co.uk/forum/other-institutions-successes/13831-tamadus-mbna-i.html?highlight=tamadus

Smile:Settled 15/11/06

Egg Card:S.A.R - (Subject Access Request) sent 2/10/06

GE Money:S.A.R - (Subject Access Request) sent3/8/06 LBA sent 26/9/06

Abbey:ERC prelim sent 14/9/06. LBA sent 2/10/06. Now it's getting interesting so keep watching

Barclaycard:In criminal default watch this space

Lloyds TSB:In criminal default watch this space

 

If my comments have been useful please click the scales and let me know.

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Well Firstly it is getting harder and harder to keep up the reading with you guys ;) with the fasts posts but nice work and good job done on finding the right info to stick this back to them.

 

Not that it really does matter but i thought i might put a two pence piece worth in, I have today been working for a company which i probably should not mention on here, but what they do is they collect all the boxes from companies that want information and documents and relevant other information that they need to keep and put it in their big storage depot which every box has a keep date on them and after that keep date the paperwork then gets distroyed by the company. Basically it is all the stuff that companies want archived for future reference and in this one warehouse also was over 98000 boxes all containing data and personel records.

 

So it does look like that yes maybe a lot of companies do keep the relevant files but looking at this warehouse i think it is more hassle than it is worth, to start looking for documents that might be relevant.

If you find this info useful please click on the scales in the bottom left corner of the thread :wink:

 

Vodafone To Remove Default Notices thread

Paid In Full HSBC Was Claiming £3851.42 But Instead of Paying Me Decided to pay my £4900 Loan OffDG Solictors. Need Help

Concluded Lloyds TSB 27/05/2006 Action Against LloydsTSB

Concluded Lloyds TSB for Girlfriend. 27/05/2006

Paid In Full Capital One £160 Settled

Paid In Full Capital One Sent 15/05/06 for £1372 for Girlfriend

Paid In Full Cetelem £130 Settled

Paid In Full The AA £400 Settled

Paid In Full First National £160 Settled

PDA LloydsTsb Credit Card Hand Delivered 26/04/06 £180

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From zootscoot: http://www.consumeractiongroup.co.uk/forum/legalities/39501-cca-request-help.html

 

Re: CCA Request - Help!

 

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Technically true, but they cannot enforce it in a court of law.

 

 

Yes they can but they can not sue on the contract. They can bring an action in the law of restitution which is a claim outside the law of contract or CCA. This is based on unjust enrichment.

 

 

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So it means i would have to pay the full amount immediately?! Could someone explain in a wee bit more detail

 

 

If you make a credit agreement unenforceable by making a CCA request. The agreement ie relating to terms and conditions such as date of payment, unterest rate etc is unenforceable but the debt remains. You have had the money and have not given anything in return. Therefore the money is still in law regarded as belonging to the creditor. With out the agreement in place allowing for monthly payments the creditor can request this money at any time. You may be able to negotiate a new payment arrangement.

 

YIKES!

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Good post ppauls150. I was wondering where all that bumf went!

 

Their warehouse full of old bits of paper which may or may not be important sounds like the shoebox where I keep all my bits of old paper which may or may not be important!

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From zootscoot: http://www.consumeractiongroup.co.uk/forum/legalities/39501-cca-request-help.html

 

Re: CCA Request - Help!

 

Quote:

 

Technically true, but they cannot enforce it in a court of law.

 

 

Yes they can but they can not sue on the contract. They can bring an action in the law of restitution which is a claim outside the law of contract or CCA. This is based on unjust enrichment.

 

 

Quote:

 

So it means i would have to pay the full amount immediately?! Could someone explain in a wee bit more detail

 

 

If you make a credit agreement unenforceable by making a CCA request. The agreement ie relating to terms and conditions such as date of payment, unterest rate etc is unenforceable but the debt remains. You have had the money and have not given anything in return. Therefore the money is still in law regarded as belonging to the creditor. With out the agreement in place allowing for monthly payments the creditor can request this money at any time. You may be able to negotiate a new payment arrangement.

 

YIKES!

 

Possibly, but picture the situation:

 

The bank trundle you into court and tell the judge that you owe them 2 grand and won’t pay it back. They concede that they have not conformed to the CCA and try to use the argument above.

 

The judge looks at the bank solicitor over the top of his specs and says “That’s all well and good Mr Barclay-Lloyd. Can you provide the court with evidence that this debt exists, like a properly executed credit agreement under the terms of the CCA 1974?”

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Well Firstly it is getting harder and harder to keep up the reading with you guys ;) with the fasts posts but nice work and good job done on finding the right info to stick this back to them.

 

Not that it really does matter but i thought i might put a two pence piece worth in, I have today been working for a company which i probably should not mention on here, but what they do is they collect all the boxes from companies that want information and documents and relevant other information that they need to keep and put it in their big storage depot which every box has a keep date on them and after that keep date the paperwork then gets distroyed by the company. Basically it is all the stuff that companies want archived for future reference and in this one warehouse also was over 98000 boxes all containing data and personel records.

 

So it does look like that yes maybe a lot of companies do keep the relevant files but looking at this warehouse i think it is more hassle than it is worth, to start looking for documents that might be relevant.

 

I'm sure your experience illustrates part of the problem for the banks. The other, in my humble opinion, is that the banks are reaping the rewards of years of cost cutting and "streamlining". They just don't have the staff to handle these sorts of clerical tasks inside the very tight timeframes the DPA and CCA allow them, and their paperwork workload must be multiplying nicely by now!

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