Jump to content


  • Tweets

  • Posts

    • The neighbour's house is built right on the boundary so the side of their house is effectively the 'wall' in our garden separating the two properties. It's a three storey house and so the mortar poses a potential danger to us. Because of the danger, we have put up an interior fence in our garden to ensure we don't risk mortar dropping on us. That reduces the garden by 25% which is not only an inconvenience, but it's the part of the garden where we had lined up contractors to install a patio and gazebo which we will use for our wedding reception in less than 2 months. We have spoken to the neighbour's caretaker who is on the case, has spoken with a roofer and possibly a scaffolding company, but there are several issues. They don't seem to understand the urgency. As long as there is a risk of falling mortar, we can't carry out any work in the garden, and unless they hurry up, we're looking at cancelling our wedding as it's not viable to book a venue because we can't use our own garden! Also, they want to put the scaffolding up in our garden which would be ok with us if it was a matter of a few days and they hurried up, but there is a tree (most likely protected by the conservation area), so most likely they can only reach part of the roof with the scaffolding if they put it up in our garden. We suggested a roofer with a cherry picker but they seem to want to use a company they've used before. Any and all comments, suggestions, advice is more than welcome.  PS. does it make any difference that the neighbour is a business (ltd) and not a private dwelling?
    • No apology needed, thank you for what you do I am glad to hear they paid. well done on getting back what is yours
    • Apologies all for the late reply and info, i have been away with the Army. They have paid I accepted the offer on the 5th of May, and they paid on the 17th of May.
    • Hello everyone,   Just thought id post an update.   I've today now finally received a claim form from PRA Group. Bit annoying as the last payment to them would have August 2018 so was nearly over the line. I believe my only grounds for defence is that they haven't managed to produce a copy of the DN notice, however from some online research I managed to find some case law that stated they can use their systems screenshot to show proof of it being sent.   I know I have to respond back to their claim form and will do so online on moneyclaim, is now the time to pick up the phone to them and negotiate a deal?   Any advice as always is much appreciated it.
  • Recommended Topics

  • Our picks

    • If you are buying a used car – you need to read this survival guide.
      • 1 reply
    • 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.  

      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.

      The next day, 18/1/24 noticed amber engine warning light on dashboard , immediately phoned BMW aftercare team to ask for it to be investigated asap at nearest garage to me. After 15 mins on hold was told only their 5 service centres across the UK can deal with car issues with earliest date for inspection in March ! Said I’m not happy with that given what sales team advised or driving car. Told an amber warning light only advisory so to drive with caution and call back when light goes red.

      I’m not happy to do this, drive the car or with the after care experience (a sign of further stresses to come) so want a refund and to return the car asap.

      Please can you advise what I need to do today to get this done. 
       

      Many thanks 
        • Thanks
      • 81 replies
    • Housing Association property flooding. https://www.consumeractiongroup.co.uk/topic/438641-housing-association-property-flooding/&do=findComment&comment=5124299
      • 161 replies
    • 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
        • Like
  • Recommended Topics

CCA response


taurus66
style="text-align: center;">  

Thread Locked

because no one has posted on it for the last 6022 days.

If you need to add something to this thread then

 

Please click the "Report " link

 

at the bottom of one of the posts.

 

If you want to post a new story then

Please

Start your own new thread

That way you will attract more attention to your story and get more visitors and more help 

 

Thanks

Recommended Posts

Hello

I sent a CCA request to HFC for a loan I had rewritten in 2003.They responded within 6 days with my credit agreement-one page.

Meantime,I found my original document,this too is only one page minus the signature boxes.

The document I have been supplied with is a replica of the document I already hold but two signature boxes are now inserted.

I'm almost certain there were two pages originally,and the signature boxes were on page two,so is this acceptable?

My other query is that I have not dated my signature, this was signed at home after telephone discussion.

Thanks for any help with this

Link to post
Share on other sites

  • Replies 52
  • Created
  • Last Reply

Top Posters In This Topic

Top Posters In This Topic

Hi taurus,

No you're not in the wrong forum. I'll have a look at your agreement tomorrow (we'll later today now).

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.

Link to post
Share on other sites

The copy of the agreement has not been signed by the creditor so has not been properly executed. Can you remember if they signed before or after you?

 

This agreement was signed under the Consumer Credit Agreements Regulations 1983, before the 2004 amendments were introduced so I will have to have a look at those and see how it effects the document.

 

If it was a 2 page document and the signatures were on the back then there needs to be something to tie the first page to the second page.

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.

Link to post
Share on other sites

The copy of the agreement has not been signed by the creditor so has not been properly executed. Can you remember if they signed before or after you?

 

This agreement was signed under the Consumer Credit Agreements Regulations 1983, before the 2004 amendments were introduced so I will have to have a look at those and see how it effects the document.

 

If it was a 2 page document and the signatures were on the back then there needs to be something to tie the first page to the second page.

 

Hello Rory and thanks for your reply.Very clever of you to know it was signed under cca1983- It says 1974

I can't remember who signed first,sorry. Does it make a difference?

One more question,why is it showing repayments for ppi? I ticked the no box.

Thank you for your time.

Link to post
Share on other sites

The t&c's are on the back of the document that I already hold,but the back of the copy they sent me is blank.

With regard to signature,is that squiggle ontheir document not classed as a signature?

Thank you.

Link to post
Share on other sites

I would suggest going down the token payment route here, unless you aren't bothered by a CCJ and are prepared to risk fighting them on small discrepancies in the agreement. They'll take a fiver a month if you can convince them that's all they would get in court and that you would contest any legal action vigourously.

"Why CCJ when you can CCA!"

Link to post
Share on other sites

Hello

I just got an unpleasant all from Robinson way re the above.I asked for him to put everything in writing as I didn't want to discuss anything on the phone and he said I have one week only to pay in full.

 

I did call hfc last week to offer token repayment but they too were quite unpleasant and said it was out of their hands.

Can anyone advise me please,I'm a bit scared. Thank you

Link to post
Share on other sites

If you look in the template section on this site there are some letters there relating to making an arrangement with debtors. I would do a budget and a letter offering an amount you can pay and send it (with a postal order/cheque for you first pay if you can) If they then take it to court you can argue to the judge that you had made a reasonable offer to pay and they ignored you, doesn't look good for them. If this is you first letter from rob/way they are unlikely to go straight to court. Do you know if the debt has been sold on to the DCA or if they are just acting for hfc? Has there been any charges added to the original account that you could reclaim?

Good luck

ali xxx

Btw I am no expert just give notes based on what I have read on here and other forums/sites, plus my own experiences and investigations.

 

All ccj's now dropped off file, 2 yrs to go to clear file.

All old debts either settled or made unenforcable.

 

RBS MPP-Full offer at 8 wks from first complaint

RBS Overdraft loanguard-full offer at 8 wks from complaint

Citicard ppi-with FOS finally paid 8 months after offer through FOS!

Capital one x2- with FOS

Monument ppi-with FOS

aqua x2 ppi-partialled settled still pushing for the rest

Black horse ppi-offers made and accepted except for one early loan they say no info held-still pushing for payment

Link to post
Share on other sites

Thank you for your reply.I don't know if its been sold or not,Robinson way was quite hostile in their call (I'm still shaking) so I just said I didn't want to discuss and please write instead. He put the phone down. I will do as you suggest.

I queried the agreement and it was suggested I write and ask for the cancellation details, hfc have not responded to this.

Link to post
Share on other sites

OK... this agreement looks valid to me.

 

Did they send you a default notice?

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.

Link to post
Share on other sites

Hello tomterm,

No,I have no default notice.

I sent CCA request then asked for cancellation notice and terms and conditions-no response.

 

What, not even from HFC? If not, then all you have to do is pay the arrears at any point in time, and they could not bring you to court.

 

They must send you a default notice before taking court action...

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.

Link to post
Share on other sites

Don't call anyone, simply send to RWay this letter (special delivery):

 

Dear Mr X

 

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,

 

Yours Sincerely,

 

XXX.

  • Haha 1

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.

Link to post
Share on other sites

p.s. don't phone them, ever, unless at the minimum you are recording the conversation AND tell them you are recording the conversation.

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.

Link to post
Share on other sites

Hello tomterm

Thank you very much for the letter,as yet I have not received anything in writing from robinson way just the phone call this morning and I asked for them to communicate in writng. Should I wait to see if anything arrives from them first? Sorry to be a nuisance and thank you so much for your help.

Link to post
Share on other sites

Hello tomterm

Thank you very much for the letter,as yet I have not received anything in writing from robinson way just the phone call this morning and I asked for them to communicate in writng. Should I wait to see if anything arrives from them first? Sorry to be a nuisance and thank you so much for your help.

 

i've chaged the letter slightly. I would send it, to be hones, DCA's tend to forget what they agreed in the last phone call:)

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.

Link to post
Share on other sites

  • Recently Browsing   0 Caggers

    • No registered users viewing this page.

  • Have we helped you ...?


×
×
  • Create New...