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    • The Contract itself The airport is actually owned by the Ontario Teachers Pension Plan. There should be an authority from them for Bristol airport group  to sign on their behalf. Without it the contract is invalid. The contract has so many  clauses redacted that it is questionable as to its fairness with regard to the Defendants ability to receive a fair trial. In the case of WH Holding Ltd, West Ham United Football Club Ltd -v- E20 Stadium LLP [2018],  In reaching its decision, the Court gave a clear warning to parties involved in litigation: ‘given the difficulties and suspicions to which extensive redaction inevitably gives rise, parties who decide to adopt such an appropriate in disclosure must take enhanced care to ensure that such redactions are accurately made, and must be prepared to suffer costs consequences if they are not’. The contract is also invalid as the signatories are required to have their signatures co-signed by independent witnesses. There is obviously a question of the date of the signatures not being signed until 16 days after the start of the contract. There is a question too about the photographs. They are supposed to be contemporaneous not taken several months before when the signage may have been different or have moved or damaged since then. The Defendant respectfully asks the Court therefore to treat the contract as invalid or void. With no contract there can be no breach. Indeed even were the contract regarded as valid there would be no breach It is hard to understand why this case was brought to Court as there appears to be no reasonable cause to apply to the DVLA.............
    • Danny - point taken about the blue paragraphs.  Including them doesn't harm your case in any way.  It makes no odds.  It's just that over the years we've had judges often remarking on how concise & clear Caggers' WSs have been compared to the Encyclopaedia Britannica-length rubbish that the PPCs send, so I always have a slight preference to cut out anything necessary. Don't send off the WS straight away .. you have plenty of time ... and let's just say that LFI is the Contract King so give him a couple of days to look through it with a fine-tooth comb.
    • Do you have broadband at home? A permanent move to e.g. Sky Glass may not fit with your desire to keep your digibox,, but can you move the items you most want off the digibox? If so, Sky Glass might suit you. You might ask Sky to loan you a “puck” and provide access as an interim measure. another option might be using Sky Go, at least short term, to give you access to some of the Sky programming while awaiting the dish being sorted.
    • £85PCM to sky, what!! why are you paying so much, what did you watch on sky thats not on freeview?  
    • Between yourself and Dave you have produced a very good WS. However if you were to do a harder hitting WS it may be that VCS would be more likely to cancel prior to a hearing. The Contract . VCS [Jake Burgess?] are trying to conflate parking in a car park to driving along a road in order to defend the indefensible. It is well known that "NO Stopping " cannot form a contract as it is prohibitory. VCS know that well as they lose time and again in Court when claiming it is contractual. By mixing up parking with driving they hope to deflect from the fact trying to claim that No Stopping is contractual is tantamount to perjury. No wonder mr Burgess doesn't want to appear in Court. Conflation also disguises the fact that while parking in a car park for a period of time can be interpreted as the acceptance of the contract that is not the case while driving down a road. The Defendant was going to the airport so it is ludicrous to suggest that driving by a No Stopping  sign is tacitly accepting  the  contract -especially as no contract is even being offered. And even if a motorist did not wish to be bound by the so called contract what could they do? Forfeit their flight and still have to stop their car to turn around? Put like that the whole scenario posed by Mr Burgess that the Defendant accepted the contract by driving past the sign is absolutely absurd and indefensible. I certainly would not want to appear in Court defending that statement either. --------------------------------------------------------------------------------------------------------------------------------------------------------- I will do the contract itself later.
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taurus66
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Update to this.

 

Since sending the letter kindly supplied by tomterm, I have not heard anything at all from either HFC or Robinson Way. Should I be doing anything else other than wait for their next move?

Thank you

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  • 1 month later...

I have had dozens of 'notice of legal proceedings' letters or 'we are preparing legal documents' etc with 'you have until such-and-such a date to respond or we may commence action' etc etc. Usually in black bold letter or red ink (for extra effect.)

 

In other words is it a genuine court action letter or the usual psychological tactics these DCAs employ to simply scare you into paying up without a fight?

 

Remember you can't be taken to court unless they have issued you with a default notice first.

:!: -Any advise I give is based purely on my own experience. It should not be solely relied upon as I am NOT a legal expert and any major decisions you make should not be based on my opinion alone -

HFC Bank - Davey vs HFC

Barclays - Monthly payments made

Cahoot - Agreement received, awaiting 2nd agreement after DCA.

MBNA1&2 - Agreements received. (Currently in limbo)

Halifax - Davey vs Halifax/Cabot

MINT - Davey vs Mint

Amex - Davey vs Amex

Cap1 **WON** £1,500 Written Off Davey vs Cap1

 

Never Sign Anything

 

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Thank you davey for your reply. The letter from robinson way headed Notice of legal proceedings says

"notice of intended court action valid even if not read by you" then goes on to say documents are being prepared for the issue of proceedings and court action may be issued without further warning.

 

I'm not sure how to respond to them.

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I think others will agree that the key word here is 'may'. Never received official court papers myself but i am sure they don't word it that way. It really does sound like a scare tactic. Is there anyway you can upload it for us to look at?

 

Did you ever establish whether they sent a default notice?

Have you checked your credit files recently for a default?

:!: -Any advise I give is based purely on my own experience. It should not be solely relied upon as I am NOT a legal expert and any major decisions you make should not be based on my opinion alone -

HFC Bank - Davey vs HFC

Barclays - Monthly payments made

Cahoot - Agreement received, awaiting 2nd agreement after DCA.

MBNA1&2 - Agreements received. (Currently in limbo)

Halifax - Davey vs Halifax/Cabot

MINT - Davey vs Mint

Amex - Davey vs Amex

Cap1 **WON** £1,500 Written Off Davey vs Cap1

 

Never Sign Anything

 

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Have a look at post 146 of my thread and the threats of action from Debt Managers Ltd. There was no court action as a result of that and they passed the account back to Barclays eventually but they really design these letters carefully to worry you. (Needlessly in most cases.)

 

http://www.consumeractiongroup.co.uk/forum/mbna/57846-debt-written-off-due-8.html

:!: -Any advise I give is based purely on my own experience. It should not be solely relied upon as I am NOT a legal expert and any major decisions you make should not be based on my opinion alone -

HFC Bank - Davey vs HFC

Barclays - Monthly payments made

Cahoot - Agreement received, awaiting 2nd agreement after DCA.

MBNA1&2 - Agreements received. (Currently in limbo)

Halifax - Davey vs Halifax/Cabot

MINT - Davey vs Mint

Amex - Davey vs Amex

Cap1 **WON** £1,500 Written Off Davey vs Cap1

 

Never Sign Anything

 

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Have you also read this thread recently started about robinson way by "doingmyheadin" and their "threat of legal proceedings" and the pyschological approach they use:

 

http://www.consumeractiongroup.co.uk/forum/debt-collectors-debt-collection/122299-robinson-way-doing-my.html

:!: -Any advise I give is based purely on my own experience. It should not be solely relied upon as I am NOT a legal expert and any major decisions you make should not be based on my opinion alone -

HFC Bank - Davey vs HFC

Barclays - Monthly payments made

Cahoot - Agreement received, awaiting 2nd agreement after DCA.

MBNA1&2 - Agreements received. (Currently in limbo)

Halifax - Davey vs Halifax/Cabot

MINT - Davey vs Mint

Amex - Davey vs Amex

Cap1 **WON** £1,500 Written Off Davey vs Cap1

 

Never Sign Anything

 

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taurus-

 

I would suggest posting on this thread:

 

http://www.consumeractiongroup.co.uk/forum/general/33174-consumer-credit-act-agreements-523.html#post1266184

 

together with a link to this one.

 

You state that PPI has been charged without your authority- this would mean that any figure they believe you owe them is probably incorrect.

 

Have you recieved a document headed "DEFAULT NOTICE" ?

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It's a standard threat-o-matic letter.

 

You'll get lots of court threats.

 

they may or may not go to court; however, the impact on me of such letters is minimal. they produce them regularly, and rarely go to court. Unless they have a credit agreement, they don't have a chance of winning either way.

i will be off site for the next month or so. if you have any problems, feel free to report the post so a moderator can help you.

 

I am not a qualified or practicing lawyer.

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This agreement looks (almost) exactly the same as those I've had from HFC - suggest you take a look at my thread, as they are (foolishly!) taking me to Court in one claim and I've retaliated by taking them to Court over the second agreement. I think you'll agree your case is very similar to mine, so I won't bore you with the details, but here is the link;

 

http://www.consumeractiongroup.co.uk/forum/debt-collectors-debt-collection/110146-car2403-hfc-bank-default.html

 

Hope this helps, but ask any questions in reply if it doesn't...

  • Haha 1

 

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Thank you for your reply car2403. I agree there is more than a similarity in both cases. . I had thought to remind them of the last correspondence I sent in July but I think I shall just wait and see what robinson way do next.

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Could someone please confirm whether I should ignore the "notice of Intended proceedings" or write and remind robinson way I am still awaiting a reply to my letter of 31st July?

RE: Your recent correspondence.

 

Thank you for your phone call today, and for agreeing to communicate only in writing.

 

from the content of the call, it appears that you are claiming I have breached a term of a contract with HFC Bank, Ltd. I am not clear, however:

 

(a) what interest you hold in such a breach, or

(b) since I have had no default notice, what the nature of the breach was.

 

In relation to point a, I would ask if you are the owner under an equitable assignment, or the agent of HFC Bank. If you are an agent, I would ask you to provide a power of attorney for the agreement; if owner, I would ask that HFC Bank provides appropriate notice of this fact, and confirms your entitlement to any benefit.

 

I would like to speedily resolve and rectify this alleged breach, and therefore would ask you to provide, in relation to point b, a detailed break down of the nature of the alleged breach, the date it occurred, and how it can be rectified.

 

I would remind you of your obligations, under the Civil Procedure Rules, to act reasonably in relation to this matter and to avoid where possible the expense of legal action. In particular, terminating the agreement and bringing the matter to court when I have stated my intention to, if possible, make good any breach would seem a breach of these objectives.

 

I thank you for your cooperation in this matter.

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I would send that letter to them anyway, taurus66, as it will do you no harm - I don't think they'll issue against you as a result of this letter, as they will back themselves in to a corner, but reminding them of your dispute at this early stage is definately to your advantage.

 

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Oh, I see - in that case, send them a reply to their letter, referring to your dispute with them and include a copy of the July letter with proof of postage/delivery attached if you have it. This should go Recorded Delivery (not worth paying £4 for Special Delivery on this one)

 

You should include this text in your letter;

 

I would like to remind you that the Office of Fair Tradings Collection Guidelines cover this situation, in that you cannot continue to pursue me for this debt without effectively handling my dispute;

 

The OFT Collection Guidelines s.2.8;(http://www.oft.gov.uk/shared_oft/bus...dit/oft664.pdf)

 

... i. failing to investigate and/or provide details as appropriate, when a debt is queried or disputed, possibly resulting in debtors being wrongly pursued

 

I also believe that this account falls under the Banking Code, so the original Creditor, along with you as their assignee/agent, may be subject to that code;

 

The Banking Code s13.6; (http://www.bankingcode.org.uk/pdfdocs/BANKING%20CODE.pdf)

 

... k. not ceasing collection activity whilst investigating a reasonably queried or disputed debt.

 

If this collection activity continues unabaited, I will escalate this to the Office of Fair Trading, as I believe you are in breach of your Credit License and the Financial Ombudsman Service as you are in breach of the Banking Code.

 

If that doesn't throw them off the scent, nothing will!

 

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I have been paying £5 p.m to Lloyds for a loan,and they are forever phoning to increase my repayments. I've sent the telephone harassment letter.

The latest caller was quite rude when I explained I could not afford more from my disability income. She almost demanded that I send further evidence of what I receive and what I pay my other creditors. I suffer with epilepsy so I just did not appreciate getting wound up. I have been paying as fairly as I can to who I owe.

 

Is there anything that says I HAVE to show what my income is?

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