As the sales are getting underway, many will be on the hunt for a good bargain in the sales. However, excess alcohol, blood divertion from brain to stomach (damn those sprouts...) or whatever may cause some to go for a bargain that isn't one at all..... so here's a few pointers (some obvious, some not so) to help 0. NEVER TRUST A REDUCED PRICE The old rules, where a sale was only a sale if the higher price was available for 28 days or more etc etc is now gone. Instead, it has been replaced with the requirements in the CPUT regs. Basically, they are so wooly in their meaning and so difficult to enforce that shops can get away wit

What's this all about then, Dave? Is it meant as a supplement to CAG? Not meaning to be rude at all - please don't take this the wrong way - but why should I join when I'm already a member here? What else would it give me to offset the fact that I'd have to give away my real name?

Cor - only just stirring at 8am Louis - lucky you! My niece, who I'm sharing a caravan with, woke up at 4am last night. As she was too excited to sleep, she ran round the caravan till she was tired. Bless her - she then woke me up at 6am to ask if I wanted to watch her open her stocking. As I'd packed it the night before I politely (!) declined.

Hope everyone has had a good crimbo, & you got what you wanted from Santa.

Hey Rob, ive been giving consideration to the issues you raised now what you can do is outline in a covering letter attached to the defence why things were delayed the fact of the matter is that the claimant should have supplied this info with the claim and they didn't the agreement is flawed and unenforceable as it stands so the court should not enforce this agreement period so its really not for you to try and explain your conduct imho Regards paul

Merry Christmas to everyone !!! hope you all get what you wished for

I'm off to the land of nod now. I hope you all have a very Merry Christmas. xx

Youre very welcome i hope to be able to complete a comprehensive defence by the 28th th usual rules apply im not a qualified lawyer so if you use my suggested defence its totally your prerogative ill update this further when ive finished a full first draft regards paul

Hi Rilly, As Goldlady mentioned, CL Finance have a bad reputation for filing claims extremely quickly, if they did not send you a letter before action giving you a set period to comply (normally 14 days) then they have not complied with the Pre Action Protocols of the Civil Procedure Rules. The facts are as follows: In order for a debt to be enforcable a regulated agreement must be in place, it is up to the creditor to provide this agreement and it must adhere to the ACT and Regulations, if it does not or if an agreement does not exist the debt could be completely iredeemably unenforcable. In order for a creditor to forma

very funny!! hope you've had a good day Birthday Girl!

auds - just for your: Birthday Cake Ecards RiverSongs Happy Birthday Ecards Greetings and here is your pressie - FREE ONLINE TYPING COURSE have a good one - - - - - - - - -and many more!!!!!

Isn't that amazing that, out of this small group so many birthdays are within a couple of days of Christmas.......... That's a lovely way to play it though, Pete........

Lets see now why would the muppets offer you such a generous discount. Maybe because its Christmas and being the warm hearted professional people they are think that this would be a kind gesture. OF COURSE NOT!!!! The truth is they have diddly squat by way of an executed CCA and they cannot even prove that you actually owe them any money. Its time to report these clowns to TS. Leeds TS are well aware of the activities of this group. Also write to Lowells/Red/Hamptons and demand a copy of their complaints procedure. (A useless excercise but nessecary before you can report them to the FOS.) What will happen next is your account

Great response from MP to mungry matt:D Tony Wright and Jessica Morden had better get a few more hundred MPs on side. and then you have someone like John Grogan speaks the words of the OFT and FSA:( he's givren it a lot of thought hasn't he, I don't think!! val

Hi Rilly and welcome to CAG, I know it can be very worrying when one receives notice of a claim being filed against them, but you've come to the right place! the majority of cases such as these are instigated by the banks / credit card companies in the hope that the defendant will 'bury their head in the sand' and not bother defending, or indeed counterclaiming, that way they can easily get summary judgement. Okay, firstly can you post up details of the Particulars Of Claim, i'm guessing their incredibly vague and very non specific. Secondly, you mentioned you sent a SAR to the creditor, did you also send a CCA Request?

Excellent news removalman. I have a couple of their farewell letters in my file too:p Happy Christmas.

Many thanks to you all for your kind words! I'm feeling very smug (which is great) but I'm also mindful that I allowed Lowells to cause me one or two sleepless nights along the way. What a find this website forum this is! Merry Xmas all!

YAY Congratulations

Well done Val! Some people have knocked what we have been trying to do with this thread (you know who you are - all of you), but this is democracy in action. Exchanges have been made in Parliament because of what we are doing. We are having an impact. Let's keep it up. Mac

Hi Nottsdave is correct, Mackenzie Hall are not solicitors, if they are palming themselves off as such, that is an offence. Interestingly, Lowell & MH seem to be experts in buying unenforcable debts. Anyhow, you are the one with the upper hand now, Lowells have broken the 12 working day rule for supplying you with a CCA AND they have also seemingly sold on a debt in dispute, so Lowells are really being pretty pathetic. Your first port of call should be a letter to Lowell's area's Trading Standards dept, saying they have failed to comply with your request for proof of debt and that they have sold on an account in dispute,

Hi The experts will be along shortly, but Mac Hall are slugs and not solicitors Good Luck with Lowells D