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    • So as I stated, I posted my letter off but over 2 weeks later I've had a visit from one of their reps. I didn't indulge him in any conversation, and I just stated that any such debts are statute-barred and closed the door on him. I was hoping they'd take notice of the letter. Where do I go from here? Thanks
    • I apologise if I was being unclear. Where it currently stands is that they will have it repair, placing scaffolding in our garden for 5 days. They have moved fast, but we will still have to postpone our contractors, meaning, we won't necessarily have the work done in time for the wedding and therefore will incur additional expenses for either a marquee or a wedding venue. They are vehemently against having any kind of liability in any regard but continue repeating that they are legally entitled to use our garden for their repairs (I believe this is true unless the work can be carried out using a cherry picker). The neighbour seems either indifferent or oblivious to the fact they can't reach all of the side of the roof from the space where they can place the scaffolding. They have asked their roofer of choice about using a cherry picker but the roofer has said it wasn't possible. It's not clear whether the roofer doesn't want to use a cherry picker or whether there is an issue with it. They have told us it is a problem that we are installing a gazebo as it will prevent them to access their roof from our garden in the future?!?  
    • Couldn't agree more, really wanted a true ruling on this just for the knowledge but pretty sure the Judge made some decisions today that he didn't need to?.. maybe they all go this way on the day? We hear back so few post court dates I'm not sure. Each Judge has some level of discretion. Their sol was another Junior not even working at their Firm, so couldn't speak directly for them! that was fortunate I think because if she would have rejected in court better, she might have  been able to force ruling, we are at that point!, everybody there!!, Judge basically said openly that he can see everything for Judgement!!!  but she just said "I can speak to the claimant and find out!" - creating the opportunity for me to accept. I really think the Judge did me a favor today by saying it without saying it. Knowing the rep for the sol couldn't really speak to the idea in the moment. Been to court twice in a fortnight, on both occasions heard 4 times with others and both of my claims, the clerk mention to one or both parties "Letting the Judge know if you want to have a quick chat with each other"! So, it appears there's an expectation of the court that there is one last attempt at settling before going through the door. So, not a Sol tactic, just Court process!. Judge was not happy we hadn't tried to settle outside! We couldn't because she went to the loo and the Judge called us in 10 minutes early! - another reason to stand down to allow that conv to happen. Stars aligned there for me I think. But yeh, if the sol themselves, or someone who can make decisions on the case were in court, I would have received a Judgement against today I think. She was an 'advocate'.. if I recall her intro to me correctly.. So verbal arguments can throw spanners in Court because Plinks dogs outsource their work and send a Junior advocate.
    • that was a good saving on an £8k debt dx
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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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CCA for Link & MBNA


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Sent CCA to MBNA (bought from BOS) 10/07 (rec 11/07) for son 1

 

Sent CCA to Debt Managers Ltd (bought from Littlewoods) 10/07 (rec 12/07) for son 2

 

Sent CCA to Link Financial (bought from MBNA) 11/07 for OH

 

Sent 2 CCA to Link Financial (bought from MBNA) (bought from A&L) 11/07 for self

few more to go but thought I'd deal with these first

This site is so encouraging.

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We certainly try our best ;)

 

So due to the postal strike today the clock on the 12 working days should start on Monday 16th.

 

Good luck and shoout if you need help.

Be VERY careful whose advice you listen too

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Hi -- I've sent off CCA requests to link for two old MBNA accounts. They've sent me the usual standard letter saying they'll go back to MBNA for the agreement (so they obviously don't have it!). However, I know MBNA don't have it either as I've queried my full SAR with them and whilst the account was opened in 1999, they only have records for me going back to 2001 :D

 

Good luck in your quest against LINK.

 

We're all here to help and encourage each other, so any questions, just post a message and someone will be along to help.

 

Best wishes.

jaxads

 

Halifax - £2281, successfully refunded all charges after LBA letter & telephone call.

Have been offered the difference between the £20 and £12 charges from Capital One -- am sending LBA for remainder.

GE Money - Received settlement of £441, being total charges requested. No interest though.

CCA'd Bank of Scotland / Blair Oliver Scott to produce CCA Agreements on two Credit Cards - well in default, although still chasing payment!!!

EOS Solutions "ceased action on account" on behalf of a friend.

 

All in all, quite busy at the moment and enjoying every minute of it
:eek:

 

 

 

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  • 1 month later...

Hi Chelsie15 -- any update??

jaxads

 

Halifax - £2281, successfully refunded all charges after LBA letter & telephone call.

Have been offered the difference between the £20 and £12 charges from Capital One -- am sending LBA for remainder.

GE Money - Received settlement of £441, being total charges requested. No interest though.

CCA'd Bank of Scotland / Blair Oliver Scott to produce CCA Agreements on two Credit Cards - well in default, although still chasing payment!!!

EOS Solutions "ceased action on account" on behalf of a friend.

 

All in all, quite busy at the moment and enjoying every minute of it
:eek:

 

 

 

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Hi

Thanks for asking.Had reply from MBNA on 18/07 saying we would receive full response in 5 days (still waiting) + several phone calls from them (not returned) + 1 postcard. 2 replies from Link accounts on 13/07 saying it could take up to 30 days to provide (still waiting). Reply fron Debt Managers 16/07 they have requested docments from Index and will send them as soon as received (still waiting). Have stopped payment on MBNA as it's my son's, the rest are on DMP £5 per month so will pay them until 30 days are up. Am hoping to offer early settlements on these as it will take about 40 years to pay off debts. Sent CCA to Creation Finance have received the application/aggreement which seems to be ok but they have not signed it with a signature only the cashiers first name do you know if this is acceptable.

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Is that all there is? Looks very much like an application form missing prescribed terms and T&Cs :)

  • Barclays: WON!!! It took four months but was totally worth it!
  • Cabot: I'm still waiting for an enforcable agreement, more than a year after requesting it. Go on, Uncle Ken, take me to court if you dare. You know you want to!
  • Elephant.co.uk: VICTORY - they admitted there was no debt!
  • Ashbourne Management (gym membership): Finally got my default removed and out-of-court settlement; I'm not finished with them yet!

<--- If I've been helpful please remember the scales ;)

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I concur with djdave on that.

 

Apart from being a bad copy, it seems to be a standard instore application and doesn't contain any prescribed terms at all.

 

 

S61(1)(a) CCA provides that, for a regulated agreement to be properly executed, it must contain all the prescribed terms of the agreement and conform to regulations under s60(1) – see Q1.14.

 

Reg 6(1) provides that the terms specified in Sch 6 to the Agreements Regulations are ‘prescribed terms’ for the purposes of s61(1)(a) and s127(3) – see Q8.2.

 

8.2 What if prescribed terms are missing or incorrect?

 

s127(3) provides that the court may not make an enforcement order unless a document containing all the prescribed terms of the agreement was signed by the debtor – see Q1.21.

 

If therefore any of the prescribed terms is missing, or incorrect, the agreement is not enforceable against the debtor, and the court is precluded from making an enforcement order.

 

 

8.3 What are the prescribed terms?

 

The prescribed terms specified in Sch 6 are as follows:

 

* amount of credit – see Q8.

 

* credit limit – see Q8.5

* repayments – see Q8.9.

* rate of interest – see Q8.6

 

Sch 6 was not amended by the 2004 Regulations.

Be VERY careful whose advice you listen too

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  • 1 month later...

Hi

 

THe copy they send you has to be readable. This is a poor copy and under the copy document regs 1983 not acceptable.

 

Not sure about the rest as cant read it.

 

HAK

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Section 1 of the Consumer Credit (Cancellation Notices and Copies of Documents) Regulations 1983 states that copies of documents be be clearly legible throughout. If that's all they can produce you have an unenforceable document, which is lucky because i'ld be willing to bet that that original document was air tight even though it's headed Application Form.

mbnaagreement.jpg

 

Regards, Dave.

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