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    • I know dx and thanks again for yours and others help. I was 99.999% certain last payment was over six years ago if not longer.  👍
    • Paragraph 23 – "standard industry practice" – put this in bold type. They are stupid to rely on this and we might as well carry on emphasising how stupid they are. I wonder why they could even have begun to think some kind of compelling argument – "the other boys do it so I do it as well…" Same with paragraph 26   Paragraph 45 – The Defendants have so far been unable to produce any judgements at any level which disagree with the three judgements…  …court, but I would respectfully request…   Just the few amendments above – and I think it's fine. I think you should stick to the format that you are using. This has been used lots of times and has even been applauded by judges for being meticulous and clear. You aren't a professional. Nobody is expecting professional standards and although it's important that you understand exactly what you are doing – you don't really want to come over to the judge that you have done this kind of thing before. As a litigant in person you get a certain licence/leeway from judges and that is helpful to you – especially if you are facing a professional advocate. The way this is laid out is far clearer than the mess that you will get from EVRi. Quite frankly they undermine their own credibility by trying to say that they should win simply because it is "standard industry practice". It wouldn't at all surprise me if EVRi make you a last moment offer of the entire value of your claim partly to avoid judgement and also partly to avoid the embarrassment of having this kind of rubbish exposed in court. If they do happen to do that, then you should make sure that they pay everything. If they suddenly make you an out-of-court offer and this means that they are worried that they are going to lose and so you must make sure that you get every penny – interest, costs – everything you claimed. Finally, if they do make you an out-of-court offer they will try to sign you up to a confidentiality agreement. The answer to that is absolutely – No. It's not part of the claim and if they want to settle then they settle the claim as it stands and don't try add anything on. If they want confidentiality then that will cost an extra £1000. If they don't like it then they can go do the other thing. Once you have made the amendments suggested above – it should be the final version. court,. I don't think we are going to make any more changes. Your next job good to make sure that you are completely familiar with it all. That you understand the arguments. Have you made a court familiarisation visit?
    • just type no need to keep hitting quote... as has already been said, they use their own criteria. if a person is not stated as linked to you on your file then no cant hurt you. not all creditors use every CRA provider, there are only 3 main credit file providers mind, the rest are just 3rd party data sharers. if you already have revolving credit on your file there is no need to apply for anything just 'because' you need to show you can handle money. if you have bank account(s) and a mortgage which you are servicing (paying) then nothing more can improve your score, despite what these 'scam' sites claiml  its all a CON!!  
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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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My local council have been chasing me for a debt of £119.15 and £200.00 which i have proof i dont owe (letters from head of finacial deparment) but housing officer is still sending letters demanding the payments or he is taking court action against me. Also today i recived another letter from another housing officer demanding money for a tenancy i never had with the council. The first demand has been ongoing now for 2 1/2 years and the same officer has had copies of the letter to say i dont owe the money so why i am i been hounded.

Do i have a case to take council to court for demanding money with mennaces and stress ETC ???

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Guest Old_andrew2018

Hi welcome to CAG

 

IMHO you need to to supply a little more detail in order that one of the contributers with expertise can advise.

You could also visit your local councillor at their surgery, asking them to take up your case.

In addition you might have a case to take to the Local Government Ombudsman.

 

Andy

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Hi,

I don't think court action is the way to go.

If the council think they have a legitimate claim, they go all out.

 

If you haven't done so, start a formal complaint to the department that is hounding you. Before you can go to the Ombudsman, you need to have exhausted the councils complaints procedure. If you go to the Ombudsman now, they will just refer you back to the council.

 

Most council complaints procedures have a two stage complaints system. Yours will be stage one but if this gets rejected you can go to stage two. If after that they still knock you back, you can then go to the Ombudsman.

 

While any complaint is being investigated, any collection activity should be put on hold.

 

As this has been going on so long, get your MP involved as well as your local councillor.

 

If any debt owed to the council is due to official error, you should not be penalised for that error.

 

fox

If you are asked to deal with any matter via private message, PLEASE report it.

Everything I say is opinion only. If you are unsure on any comment made, you should see a qualified solicitor

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Thanks for the reply.

My MP has been on to the council and has seen the proof that i dont owe the money from the head of finacial department but hes had the same reply from housing officer saying i owe the money.

i have made an official complaint am waiting for the outcome.

Its just this is now causing so much strss to me and my partner (who is expecting a baby in few weeks)

She cant sleep with worry and has got high blood presure ETC that they might have to take her into hospital and do a cesarean.

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As galling as it is, us mortals have to follow procedure whereas a council sometimes "ignore" certain rules.

 

If (as is likely) they knock you back at the first attempt, don't bother with the second stage complaint, just find out who the chief exec of the council is and write to him/her.

 

Any letters you post, send by recorded delivery and any you hand deliver, get a receipt. You would be surprised how many "important" letters go missing.

 

RIDER: I am only talking of personal experience and your council may be better than mine

If you are asked to deal with any matter via private message, PLEASE report it.

Everything I say is opinion only. If you are unsure on any comment made, you should see a qualified solicitor

Please help CAG. Order this ebook. Now available on Amazon. Please click HERE

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It may be worth sending the council a SAR.

Have a happy and prosperous 2013 by avoiiding Payday loans. If you are sent a private message directing you for advice or support with your issues to another website,this is your choice.Before you decide,consider the users here who have already offered help and support.

Advice offered by Martin3030 is not supported by any legal training or qualification.Members are advised to use the services of fully insured legal professionals when needed.

 

 

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