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    • you mean you did aos on mcol yes? pop up on the bulk court website detailed on the claimform. [if it is not working return after the w/end or the next day if week time] . When you select ‘Register’, you will be taken to a screen titled ‘Sign in using Government Gateway’.  Choose ‘Create sign in details’ to register for the first time.  You will be asked to provide your name, email address, set a password and a memorable recovery word. You will be emailed your Government Gateway 12-digit User ID.  You should make a note of your memorable word, or password as these are not included in the email.<<**IMPORTANT**  then log in to the bulk court Website .  select respond to a claim and select the start AOS box. .  then using the details required from the claimform . defend all leave jurisdiction unticked  you DO NOT file a defence at this time [BUT you MUST file a defence regardless by day 33 ] click thru to the end confirm and exit the website .get a CPR 31:14 request running to the solicitors https://www.consumeractiongroup.co.uk/forum/showthread.php?486334-CPR-31.14-Request-to-use-on-receipt-of-a-PPC-(-Private-Land-Parking-Court-Claim type your name ONLY no need to sign anything .you DO NOT await the return of paperwork. you MUST file a defence regardless by day 33 from the date on the claimform.   dx  
    • The Letter of Claim information is not absolutely essential, but it would be useful for two reasons. Firstly, judges take a dim view of companies or individuals who rush to court without giving the other party notice and a chance to settle - the Letter of Claim.  If they didn't send it we could include this point in your defence and it would be detrimental to them. Secondly, we know Countrywide.  They are a very small cowboy company.  The are reluctant to do court, simply becasue they are very bad  at it.  Their record of beating Caggers in front of a judge is exactly 0%.  They have lost every time.  They send the Letter of Claim also to look for people who don't reply, thinking that the person might not reply to a claim form either, giving them an easy default win.  Conclusion - always best to reply to a Letter of Claim and ridicule the PPC's case.
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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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      OT APPROVED, 365MC637, FAROOQ, EVRi, 12.07.23 (BRENT) - J v4.pdf
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thanks, buller. so the credit card agreement is impossible to read( the lone one in a previous post, and the last one in the group). the rest seem okay, so i will try to talk you through the credit card one if you like. the rest are 2 pages for my flexi loan and then one page for my personal loan.

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i'm just trying to establish if they enforcable, really. i want to check that all the prescribed terms are in place; for example, the flexi loan is two pages. on the second page, it contains the terms and conditions, but no personal information to directly link it to the first. i dont really know what im looking for, i just need a bit of leeway so i can stop them overdrawing me further each month, and accept a payment plan.

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thanks so much all of you. i have a horrible feeling theres nothing i can do, but im not giving up until i have to, and it is great to know that there are so many people willing to help. i have been looking at the personal loan, and just above the signature it says 'This agreement is subject to the terms set out on page 2' but there is no page 2, does that make a difference?

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It may well make a difference if you have never had page 2!

Also is the signature genuine? I have heard of some companies scanning sigs fron one doc to another. Of course I am not saying they have done this but I just thought i would let you know. Check every avenue!:)

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You have probably signed it once the application was approved. You sign the agreement before they send the card. Thats what should happen!

 

yes i thought that may be the case. i told you i was clutching at straws!!!

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