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    • In terms of "why didn't I make a claim" - well, that has to be understood in the context of the long-standing legal battle and all its permuations with the shark. In essence there was a repo and probable fire sale of the leasehold property - which would have led to me initiating the complaint/ claim v SPF in summer 19. But there was no quick sale. And battle commenced and it ain't done yet 5y later. A potential sale morphed into trying to do a debt deal and then into a full blown battle heading to trial - based on the shark deliberately racking up costs just so the ceo can keep the property for himself.  Along the way they have launched claims in 4 different counties -v- me - trying to get a backdoor B. (Haven't yet succeeded) Simultaneously I got dragged into a contentious forfeiture claim and then into a lease extension debacle - both of which lasted 3y. (I have an association with the freeholders and handled all that legal stuff too) I had some (friend paid for) legal support to begin with.  But mostly I have handled every thing alone.  The sheer weight of all the different cases has been pretty overwhelming. And tedious.  I'm battling an aggressive financial shark that has investors giving them 00s of millions. They've employed teams of expensive lawyers and barristers. And also got juniors doing the boring menial tasks. And, of course, in text book style they've delayed issues on purpose and then sent 000's of docs to read at the 11th hour. Which I not only boringly did read,  but also simultaneously filed for ease of reference later - which has come in very handy in speeding up collating legal bundles and being able to find evidence quickly.  It's also how I found out the damning stuff I could use -v- them.  Bottom line - I haven't really had a moment to breath for 5y. I've had to write a statement recently. And asked a clinic for advice. One of the volunteers asked how I got into this situation.  Which prompted me to say it all started when I got bad advice from a broker. Which kick-started me in to thinking I really should look into making some kind of formal complaint -v- the broker.  Which is where I am now.  Extenuating circumstances as to why I'm complaining so late.  But hopefully still in time ??  
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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.

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OFT onto Ruthbridge


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Oh fantastic, but wait, wait, wait I have only a few weeks till I report them to the OFT as well.....................stealing my thunder ha ha.

 

Congratulations and they would have been fined 400 pounds just for getting starting.

 

Now where did I put my tissues ha ha ..............xx

Halifax Bank SAR sent 11 June 2207

Ruthbridge CCA Letter (time out 2 July) 4738.11

Moorcroft CCA Letter (time out 9 July) 183.19

Welcome CCA Letter/statement request & received all information 7 days later. Working on all this information!

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I have had a call from them today saying they have written to me (?)- not. Never heard of them and NOT going to return call.

BANK CHARGES

Nat West Bus Acct £1750 reclaim - WON

 

LTSB Bus Acct £1650 charges w/o against o/s balance - WON

 

Halifax Pers Acct £1650 charges taken from benefits - WON

 

Others

 

GE Money sec loan - £1900 in charges - settlement agreed

GE Money sec loan - ERC of £2.5K valid for 15 years - on standby

FirstPlus - missold PPI of £20K for friends - WON

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Hi, already posted this but it vanished so apologies if it appears twice. Have had letter from Ruthbridge today threatening to have me shot at dawn as well as letter addressed to our friend theo ccupier pretending there is a parcel to collect - lol. They have taken over a DLC debt which was subject to a CCA letter on 16 May and no agreement found. Proposing to fax this to Ruthbridge - if anyone has five minutes to look at it. Original letter by Scouser9 on another thread. Thanks.

 

 

7 July 2007

 

Fax to Ruthbridge Limited 0208 734 3535

 

Dear Sirs

 

Your ref:

 

Further to your telephone calls, letter addressed to the occupier alleging a parcel requires collection and your letter dated 2 July, I would point out that DLC were asked to provide an original copy of my Consumer Credit Agreement in relation to the alleged debt on 16 May 2007.

 

To date they have failed to comply with my statutory request for a true, signed copy of a regulated credit agreement and have therefore defaulted in respect of the above account.

As you are aware, a credit agreement that is not properly documented and signed by the customer is totally unenforceable under the Consumer Credit Act, 1974 and is a complete defence in any court claim that is issued. It also remains unenforceable until such time as a default is either removed or enforced by a court of law. This means that any attempt by your company to enforce this alleged agreement will represent a further offence until such time as it can be produced in court.

 

As DLC have been unable to provide me with the requested information within the legal timeframe, it is my belief that they were never in possession of a true copy of the alleged agreement, or of a signed, true copy of a Deed of Assignment. In light of this, I find it astonishing that you have had the audacity to claim for an alleged debt, without being able to provide any legal evidence that the debt exists, within the time frame allowed by law.

 

The law set in the Consumer Credit Act, 1974 must be abided by everyone; people and companies alike and taking the above into consideration, no court would look favourably upon your failure to provide true, accurate information which I assumed that you already had in your possession, prior to issuing letters demanding payment, these letters must cease whilst in dispute, otherwise these can and will be deemed harassment by letter, which again is against the law.

 

Furthermore, at no time did I consent to the processing by you of my data in any manner which would be unfair or inaccurate, or which in any way would breach The Data Protection Act, 1998. If this alleged debt had been legally assigned to you, then any personal data relevant to the credit agreement allegedly entered into may only have been passed to you provided that my (the borrower's) authority was obtained in the original agreement.

 

However, you have certainly not requested and I have not given any permission for my personal data to be passed/shared/received by you.

 

Please note that I am only prepared to communicate with you in writing. Should it be your intention to arrange a "doorstep call", please remember that there is only an implied license under English Common Law for certain people to visit me on my property without express permission; the postman and people asking for directions etc (Armstrong v. Sheppard and Short Ltd [1959] 2 Q.B. per Lord Evershed M.R.).

 

Please therefore take note that, I revoke license under English Common Law for you, or your representatives to visit me at my property and if you do so without my permission, you will then be liable to damages for a tort of trespass. You would also be conspiring in a trespass if you sent someone to visit me nevertheless.

 

Ironically, your failures prompt me to again focus your attention on the content of both the Consumer Credit Act 1974 and the Data Protection Act 1998, the substance of which should clarify your current position, future conduct and direction regarding both my personal data and unenforceable debts.

 

With regard to my personal data and your failure to produce the aforementioned documents, I also require that you remove any reference to this alleged debt from my credit file and request an immediate cessation of any processing of unsubstantiated data to third parties under provision of The Data Protection Act, 1998 & The Consumer Credit Act, 1974.

 

I shall also complain to the Trading Standards also the Office Of Fair Trading, and my Member of Parliament about your conduct in this matter and your liability for holding a Credit Trading Licence.

 

Take note at this stage, that any legal action you may contemplate will be both vigorously defended and contested. In the meantime please be aware that I consider this matter to be “in dispute”.

 

 

Yours faithfully

 

Goldlady

BANK CHARGES

Nat West Bus Acct £1750 reclaim - WON

 

LTSB Bus Acct £1650 charges w/o against o/s balance - WON

 

Halifax Pers Acct £1650 charges taken from benefits - WON

 

Others

 

GE Money sec loan - £1900 in charges - settlement agreed

GE Money sec loan - ERC of £2.5K valid for 15 years - on standby

FirstPlus - missold PPI of £20K for friends - WON

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Oh Goldlady, a fax number - fantastic. I will put this out to my friends who sadly can't afford a Recorded Delivery letter (they are not only worried sick as I was in the beginning, but also trying to sort out their pennies). I can get a faxed receipt to say it was delivered and even if they change their number it will show it was registered to them at the time of the original fax being sent.

 

Thanks for info. I am well past my 14 days and just counting down the 30 days. They are not only illegal, but also immoral. No matter how desperate I was for a wage, I would never sink so low to become pondlife (actually even that is too good for them).

 

They need to be held accountable. Actually I might take a little drive this week and visit their supposed address just so I can see if it is indeed humans that work there. Ohhhhhhhhh better still a hand delivered letter in less than a month - geeeeee my mind is working overtime!!

 

Knowledge is power - never forget that with these monkeys!!

Halifax Bank SAR sent 11 June 2207

Ruthbridge CCA Letter (time out 2 July) 4738.11

Moorcroft CCA Letter (time out 9 July) 183.19

Welcome CCA Letter/statement request & received all information 7 days later. Working on all this information!

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glad to hear we are all on top form with our friends. I am only a short while away from my complaint also going in to the oft the more of us sticking up for ourselves the better. Its about time someone looked into ruthbridges bully boy tactics.

 

Keep your chin up all we are all in this together.

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sent above fax this morning. no calls from ruthless yet.

BANK CHARGES

Nat West Bus Acct £1750 reclaim - WON

 

LTSB Bus Acct £1650 charges w/o against o/s balance - WON

 

Halifax Pers Acct £1650 charges taken from benefits - WON

 

Others

 

GE Money sec loan - £1900 in charges - settlement agreed

GE Money sec loan - ERC of £2.5K valid for 15 years - on standby

FirstPlus - missold PPI of £20K for friends - WON

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  • 3 weeks later...

no doubt they will be in touch again.

Me Vs AA/Blair Oliver - Defaulted on CCA, Committed Criminal Offence, started chasing payment

 

Me Vs Great Universal - Wrote off the 2k balance, couldnt supply docs

http://www.consumeractiongroup.co.uk/forum/debt-collectors-debt-collection/74209-me-littlewoods-catalogue.html

 

My Friend Vs Lowell Portfolio - Balance written off, all action stopped!

http://www.consumeractiongroup.co.uk/forum/debt-collectors-debt-collection/75075-my-friend-lowell-victory.html

 

My Friend Vs Empire Catalogue - Balance Cleared

http://www.consumeractiongroup.co.uk/forum/debt-collectors-debt-collection/75713-my-friend-empire-droyds.html

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Oh that makes sense ODC. From how they acted so immaturely I did presume they were either A, school children (Very Primary Class though) or B, from The Stone Age!!

 

My phone lines have been silent since I spoke with a young girl from their company and I got all excited because she said I was being recorded and I said fantastic cause under the data protection act I could get a transcript copy - the phone line went dead, but thinking about it now, maybe she dropped her lolly pop!!!

Halifax Bank SAR sent 11 June 2207

Ruthbridge CCA Letter (time out 2 July) 4738.11

Moorcroft CCA Letter (time out 9 July) 183.19

Welcome CCA Letter/statement request & received all information 7 days later. Working on all this information!

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