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    • I moved into my current property and SSE were the provider I switched to British Gas a few months in, I believe this might have been a final bill.
    • Its not clear from your posts how this debt was incurred ? You moved into the house and they were the existing supplier ? So the debt is for the previous owner ?
    • defence is due on Friday haven't had a response from Morality yet with regards to the CPR request. Have found this from a previous thread would it be ok to use?   1.The Defendant contends that the particulars of claim are vague and generic in nature. The Defendant accordingly sets out its case below and relies on CPR r 16.5 (3) in relation to any particular allegation to which a specific response has not been made.   2.The Claimant has not complied with paragraph 3 of the PAPDC ( Pre Action Protocol) Failed to serve a letter of claim pre claim pursuant to PAPDC changes of the 1st October 2017.It is respectfully requested that the court take this into consideration pursuant to 7.1 PAPDC.   3.Furthermore, the claimant has given no details as to the breakdown of their claim so the defendant is unable to defend specifically.   4. The claimant openly admits that they do not have access to the agreement nor was the Assignor required to retain a copy. Therefore their claim is unsubstantiated. Pursuant to the civil procedure rules Practice Direction 16 (7.3) Where a claim is based upon a  written agreement:   (1) a copy of the contract or documents constituting the agreement should be attached to or served with the particulars of claim and the original(s)  should be available at  the hearing. With the court’s permission the Claimant is put to strict proof to:- a) show and disclose how the Defendant has entered into an agreement; b) show and disclose how the Claimant has reached the amount claimed ; c) show how the Claimant has the legal right, either under statute or equity to issue a claim;   5. As per Civil Procedure Rule 16.5 (4) it is expected that the Claimant prove the allegation that the money is owed.   6. It is therefore denied that the defendant is indebted to the claimant as alleged or at all.
    • He should have an account number after they emailed conformation of the on line agreement.
    • You won't find much, because the vast majority of motorists are just interested in not paying their invoice, those who say they will sue then disappear presumably after changing their minds, and the two successes I can think of (Hitman and Moaning Crusader) won their cases by default. The argument about your case  is simple though - are PE lying about the date they sent the SAR, or not? That's why I scribbled down some ideas in post 66 so they would be ready later on for your Witness Statement.
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    • If you are buying a used car – you need to read this survival guide.
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    • 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 
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    • Housing Association property flooding. https://www.consumeractiongroup.co.uk/topic/438641-housing-association-property-flooding/&do=findComment&comment=5124299
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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.

      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
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Help needed with several CCA's


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I have CCA'd all my unhelpful creditors and have a mixture of results:

 

MBNA - they couldn't find anything so have gone away

Abbey - seem to be having similar problems

Barclaycard - have sent application form which does not comply - have just written them a letter to say so

LTSB - seem incapable of understanding what I am asking for and now totally in default

Capital One - can't find anything

 

The above are the big debts - the following are all for less than £500

 

Asda card (GE Money) - sent me an application form which definitely does not comply and when I wrote to tell them so they have sent a two page letter which mostly defends their right to process my data under s10 of the DPA - 8 paragraphs about that - and only the first one saying their agreement does comply with the CCA 1974. At this moment I am not too bothered about defaults as I have lots but I am not sure what to do now. Do I have to explain to them what constitutes a valid CCA?

 

B&Q card (GE Money) - have just withdrawn a court claim either because the CCA was invalid or because the DCA didn't follow the civil procedure rules. Now eight months after I initially wrote and offered them £1 per month via the CAB yet another DCA has written and said I can pay £1. Do I pay them the £1 (which is all I originally asked) or not? if I pay them does that mean I am acknowledging the debt?

 

Clydesdale (part of Yorkshire Bank). These lot have continually charged me 2 x £22.50 per month !!!!!!!!! and were the only ones who refused to freeze interest with my original DMP and :mad: are the only ones who seem to have found a valid CCA:mad::mad:. As the original debt of about £200 was paying a bill for someone else who then didn't repay me and they are now chasing over £600 I am determined not to pay them another penny. I have already asked for my charges back to no avail and they are on the phone almost every day.

 

My other creditors Those who have accepted the £1 per month payment, frozen interest and been really helpful. I am in a dilemma as I am sure most of them will not have a CCA and perhaps that is why they are being so helpful, but do I CCA them anyway? I supposed I am worried incase the law changes and they suddenly go for the jugular, but also feel that they have been totally fair (unlike so many) and that I should play fair also.

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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Do I pay them the £1 (which is all I originally asked) or not?

If the agreement is unenforceable that's up to you.

if I pay them does that mean I am acknowledging the debt?

Yes.

I am sure most of them will not have a CCA and perhaps that is why they are being so helpful, but do I CCA them anyway?

That's really up to you to decide, but as they have been reasonable you may one day be in a position to offer them a full and final settlement. If there is no credit agreement then that would put you in a stronger bargaining position.

I supposed I am worried incase the law changes and they suddenly go for the jugular,

I don't understand this statement. Please clarify.

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.

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Hi Rory thanks for the quick reply! What I meant was if the CCA 1974 is amended so that our current understanding of a valid agreement is made more vague so that these application forms suddenly become enforceable and the amendment is backdated where would that leave us?

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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And I agree with your sentiments about paying the decent ones off in the future which has always been my intention. Thank you for helping me to think straight!

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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As far as Clydesdale are concerned I'd get a SAR in and start reclaiming these unlawful charges.

They'll come back with some story about the OFT test case, but it's worth pushing them on this.

 

As far as the others are concerned, a Full & Final settlement might be in order, but with out CCA compliance they are kind of stuffed anyway.

 

If the creditors are happy and will accept your payments then I'd leave them alone.

Now if they do pass the debt on then the gloves come off.

Be VERY careful whose advice you listen too

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The CCA has been amended by the 2006 Act, but an application form will always be an application form and the areas of the Act that make an agreement unenforceable even in a court of law (s127(3)) still stand. The 2006 Act is not retrospective, so if your agreement was made under the 1974 Act then it is the sections of the 1974 Act that apply to your agreement.

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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.

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