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Parcel delivery insurance is prohibited under section 57 – Consumer Rights Act – Read about It Here and in The Times.

mao

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  1. mao

    count me in.

    mao replied to mao's topic in HSBC Bank

    This topic was closed on 03/05/19. If you have a problem which is similar to the issues raised in this topic, then please start a new thread and you will get help and support their. If you would like to post up some information which is relevant to this particular topic then please flag the issue up to the site team and the thread will be reopened. - Consumer Action Group
  2. mao
    Ok. Will try again with the red underlining. Thank you Andy.
  3. mao
    good afternoon all. update. Recieved a letter today from the court. it says as follows..... Thank you for your recent application. (This was an application via form N244 to amend the defense that i filed incorrectly) please note that Deputy District Judge........... has deferred your application and has commented as follows..... 1. the application must, as a minimum set out what amendments are required. 2. the defendant must attach a copy of the proposed amended defense with all the amendments shown in red ink. 3. an amended application notice to be filed by 4pm on 29/2/16, in default defense struck out. please submit additional information/evidence to the court as per the Judge's instructions. can anyone decipher this for me please? Thank you.
  4. mao
    I have zero useful to add, but just want to say, good luck billyrayvalentine, I'm in exactly the same boat with cahoot loan/hoist/Cohen, and this thread has given me a great deal of information and is great to see you taking a firm approach to the spurious claim they raised against you
  5. mao
    Am completing n244 today will send two copies recorded delivery, one for the court and one for cohen, no idea who to make the fee payable too though should have asked when I phoned. Argh. Would appreciate someone to check over it to spot any mistakes. the non obvious parts for me are... 3.what order are you asking the court to make and why I am asking the court to amend our defence due to a mistake when filing on MCOL. 4. have you attached a draft of the order you are applying for NO 9.who should be served with the application? The claimant the question i dont know how to answer at all is..... 10.what information will you be relying upon in support of your application? The options are... the attached witness statement the statement of case the evidence set out in the box which one to tick? or non? then I thought I would just attach a copy of our defence. Thank you very much
  6. mao
    had this in an email today along with a copy of the form. "If you wish to alter or provide a new defence you can apply to amend or substitute a defence using the N244 ‘Application Notice’." it seems i was out of time, frustrating. what do you suggest? the original (incorect/partial) defence is stilll listed on mcol. i am inclined to pay th £50 each and be certain ive done it right?
  7. mao
    ok... thank you both.
  8. mao
    yes. was at 17.47 pm
  9. mao
    hi andy, thank you, i did email the defense as per #43 but i believe it to be outside the time frame (ie after 4pm)..... o mcol it has the partial defence and states Your defence was submitted on 15/01/2016 at 14:23:48 Your defence was received on 15/01/2016 at 16:01:56 argh.
  10. mao
    hi andy, the idea came from another similar thread here by billyrayvalentine, where they offered him a settlement of 3%. thought it was worth a shot. should i be worried that mcol still has the incorrect defence listed? thank you
  11. mao
    Hello all, in light of the mess up i made of the defence, despite all your help, i am thinking i just want this situation resolved ASAP and am thinking of offering a full and final of 5% (£600) to make it end. Ultimately i have £600 now but will no way have £12000 should the court find against me and then i am up a creek without a paddle. could anyone have a look at this letter for me please and point out any obvious flaws in my plan......thank you Dear Sir/Madam Account No: _____________________________ We write with reference to the legal action which you are taking on the above account. Whilst we dispute that the debt is owed, and we note that you are in default of our section 77 request we are mindful of the costs occurring on both sides and we are prepared to make an ex gracia offer in full and final settlement. We can raise £600 and we want to offer this as an ex-gratia payment in full and final settlement of the account. This offer is made on the clear understanding that, if accepted, neither you nor any associate company will take any other action to enforce or pursue this debt in any way whatsoever and that we will be released from any liability, and that any current court procedings will be halted. We also request that, if accepted, you make an entry on my/our credit reference agency files relating to the above account as having been paid and the account closed. Payment can be made within 7 days of receiving your written agreement of this offer and method of payment. have take n the *without prejudice * out do you think its clear enough that i am not accepting liability??
  12. mao
    nightmare. can't believe i did that. gin o clock now....... thank you both.
  13. mao
    hi thank you andy, is that the [email protected] (claim responces and directions) email do you think? or the [email protected] ? thank you,
  14. mao
    dx100uk. its not on my credit file.
  15. mao
    have just realized have mad a huge mistake. i was so stressed about getting the defense done and the right way around i filed only paragraphs 1 2 and 3 of the defense as andy had amended for me AND NONE OF THE REST. i realized immediately after posting here, have spent the last 2 hours trying to get through to the mcol helpdesk (nearly impossible), have just now spoken to someone who says they have sent the defense on to Cohen solicitors and i need to fill in form N244 and pay a £50 court fee (x2). i cant believe i have been so stupid after all your help, think i was just not thinking clearly, like a said i realize virtually immediately after. i cant believe it. im so cross with myself. what the heck do i do now????

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