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    • Hello, Following the submission of my defense, last night I received an email from DCBL indicating that the claimant intends to proceed with the claim (I've attached a screenshot of the email for reference) along with the N180 directions questionnaire. I'm unsure how they obtained my email, but I suspect it was through the courts' form when I completed the Acknowledgment of Service. This email almost slipped my attention. I have also today received a letter from court to state they have received my defense.  It appears they are requesting an online telephone hearing with the court. Could you please advise me on the necessary steps I should take at this point? Thank you for your assistance. Letter-Email 25-04-24.pdf N180 - Directions questionnaire (Small Claims Track).pdf
    • Default Amount £9237.88, all this started in 2006 Admitted debt £9075.65 Weightmans added £1515.01 immediately they became involved, no explanation The Statement shows when Marlin bought debt in May 2011 £10439.25 Their statements, not received until the SAR, are based on this. Cabot deducted £1515.01on their statements in January 2019, again did not find this out until SAR. Weightmans added in  2007 after the CH1 etc was confirmed by the court £741.50, made up of Process server fees, Court Fee (they tried for bankruptcy), Solicitors fee and Land Registry fee. Unspecfied Legal costs were added by Marlin in March 2015, again I did not know this until statements received with SAR I had been paying monthly, without exception until December 2018. I am minded to take the property charge, CH1 amount ,deduct all my payments and the subsequent fees, and request/demand a refund on the final payment made? I consistently disputed Weightmans balances, but they never responded. I also told Mortimer Clarke/Cabot that I disputed their amounts.  
    • Just follow this link and have read of some threads so your familiar with the process https://www.consumeractiongroup.co.uk/topic/347310-legal-n180-directions-questionnaire-small-claims-track/#comment-5178739
    • Sorry,  I'm not familiar with terminology.  Direction questionnaire is what I've seen online as next step. Witness statement: I haven't gone that far, that's why I put the question marks.
    • 2. Is correct disregard 1. You must attend ad per the order 
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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.
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      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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Hi all!!!:)

 

Just sent off my Subject Access Request last week (30 April 2007). I wouldn't even have started without this site!

Can anybody tell me if there any major pitfall dealing with Royal Bank Of Scotland? (closing accounts etc.)

Also, I don't seem to be able to access the spreadsheet to calculate my charges and interest.

I'll let you all know how I get on!!

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My claim was dealt with very swiftly by them and i have not had any accounts closed. All the best Pedro.

 

 

W

Advice & opinions given by Woolfie are my own, and are not endorsed by Consumer Action Group or Bank Action Group, and are offered informally, without prejudice & without liability. Your decisions and actions are your own, and should you be in any doubt, you are advised to seek the opinion of a qualified professional.

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Most common thing right now is delaying tactics.

 

Ensure you keep to your timescales regardless of how long they tell you they are going to take.

 

If you need access to a spreadsheet, try this one

 

http://www.consumeractiongroup.co.uk/forum/general/51736-excel-contractual-interest-spreadsheet.html

 

Go further through the thread as there is a version 1.9 further along.

If my post has been useful, tip my scales and let me know

 

Always start with the User guide!

Stuck with RBS charges? Click here!!

 

RBS CA1 £2794 SETTLED!!! RBS CA2 £503 SETTLED!!! HBOS CC £498 SETTLED!!! Barclaycard £705 (with CCI) ONGOING!!! NATWEST CA ONGOING!!! LLOYDS CA x 2, CC, LOAN ONGOING!!! HFC LOAN ONGOING!!!

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yes - from what I'm experiencing I reckon T4FF's right - delaying tactics (in whatever form it takes) is most serious tactic they use. From what I've read in this RBS forum it doesn't sound as "dirty" (dirty tricks) as with Barclays or Barclaycard........ so keep the faith!

 

They've so far strung me along, albeit over a big claim, and I'm on the verge of completing my N1 form and taking them to court......

 

Just make sure you "...cross all your t's and dot all your i's" with them in all your correspondence and you shouldn't have too much trouble...... says me nervous in anticipation of my local court house and making my first ever court debut!

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This entire website is a real godsend in terms of collectively putting all our heads together and giving advice.

 

I've found both threads and comments so so useful....... and people are really friendly and helpful....

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Hi all!!!:)

 

Just sent off my Subject Access Request last week (30 April 2007). I wouldn't even have started without this site!

 

Totally agree with your sentiments about the site. You're on roughly the same timescale as me! Race ya!

 

Good luck!

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Hi All!!

 

Sorry for not replying to anyone who posted here, I can see that some people have but for some reason I can't access them!!:confused: Maybe I'm not set-up correctly or something. Any advice welcome. (But I probably won't be able to read it!!!!) I might try unregistering from the site and then reregistering. Thanks to anyone who contributed. If I get sorted out I'll let you know. Thanks again!!!!!!!!!!!!

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A friend of mine has made two successful claims (one RBS, the other one I forget). He did have trouble with The Yorkshire Bank though. They sent him a cheque for nowhere near the amount he was claiming and saying "Full and final payment" If he would have cashed it I think that would have been the end of his Claim. He sent the cheque back. He showed me the court application papers, but I think they'll settle before that. so watch out for that trick!

Thanks again all!

 

Oh, and Ed P, You got A race on your hands:D !!!!!!!

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