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    • Asset Link filed for a default CCJ against me, in relation to an old Barclaycard debt which I apparently signed an agreement for back in 2000.   I did not own a Barclaycard in 2000 so I know this is not true.  The CCJ notice was sent to an old address so I did not receive it.  Years later when I found out about the CCJ when I applied for credit, I put an application in to have the CCJ set aside.   As part of the set aside case, I was asked by the judge to provide a draft defence, should the CCJ be set aside.   The defence I provided was that I did not admit to the debt as I had not been provided with any evidence of an original loan agreement.   I won the case and the CCJ was set aside.   Link then filed to court again to make me pay the debt.   We both filed directions questionnaires and the judge allocated the claim to the small claims track.   As part of the directions, additional directions given were as follows ' Additional Directions in a claim for an Assigned Debt - Because the claim is in respect of an assigned debt the Court makes the following directions for the management of claim.  The claim shall be automatically struck out at 4pm on 3 April 2024 unless, before that time, the Claimant delivers to the Court and to the Defendant the following documents'  It then listed various documents such as an original agreement, deed of assignment, notice of default, statement of account setting out how the alleged debt accrued under that agreement etc.     The Claimant failed to provide these documents within the deadline provided and instead I received a copy of a bundle of documents provided by them in preparation for the court date, this was received weeks after the deadline.    I have called the Court to ask if it has been automatically struck out and they advised that it is not automatic and that I should still send my witness statement by the deadline provided, which is Wednesday.  This does not give me much time to prepare my witness statement.   I have never done anything like this before and I am unclear what my witness statement should include.  My thoughts were that I should keep it simple and stick to the facts, like the fact thy have not provided evidence of the original agreement, or the deed of assignment of the debt.   They have provided a copy of a default notice from Baclaycard dated 2015, this states a figure of £550 but the debt they say I owe is £10k.   I am not sure what makes a valid default notice?   I have previously requested proof of the debt from Barclaycard directly and have evidence of emails between us where they have been unable to provide me with the agreement or any documents at all relating to the debt.   Should I include these as an appendix?  Are there any other documents I should include in my bundle?    I have also tried to mediate with the claimants, to save the court costs and time, on a without prejudice basis, but the claimants solicitors refused to mediate.   Should i state this in my witness statement too to show the judge that I have been reasonable and they haven't? Many thanks   Louise
    • Right that's exactly why so many drivers got caught, it had been that way for many years then suddenly changes with no warning
    • The hearing is 25th June, I have downloaded items to different organisations previously but they do it a simple way and I just cross out private things with a felt tip and sent to an email address.  I have looked at the instructions for CAG it seems extremely complicated especially this about having to use a system MSPAINT.EXE that removes your personal information. I am hoping one of my Grandchildren understands things to give me help, I have shown one of my daughters she said she does not understand the instructions. I have a PC and I mainly use a lap top, as previously advised I only understand the straightforward things, sending an email and using my scanner to send a document that I save in a file or send it to an email. I will try and find someone to help me, thanks for your help you have given me so far appreciate it        
    • Yes, it would. Especially as they are supposed to put up extra signs to show that parking restrictions have changed, which of course they won't have done.
    • Right would that be grounds for a dismissal right there then, 90 seconds?! Lookingforinfo - you're getting crossed wires buddy, we're in the hospital thread here, the ICO complaint was my other appeal the Locton estate one   Regards
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Hotel inaccurately described


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We have just returned from a long weekend in Amsterdam. We booked the hotel through an agency (Amoma) who seem to be based in Switzerland and paid by credit card, just under £500. Link to the web page describing the hotel (Hotel Omega) is here https://www.amoma.com/hotel.php?id=98575&key=2017020520170206120500002050000205000000000672&page_num=0&sessionKey=LSEtZE1DbzR4cFJWNU1INldVdSsrWUtENGdwWTZzUzFPaUc1UElMdlhwSDMrNFhhLzdaK3ZuQWIyczdJUVIwOFdISTBaYnpzRGhub3RiUXliSXlFQUczSklyQmM0SE1YZGh2&hotelname=omega&f_ref=&tar=00000&price_ranges=0000&districtId=

 

We made the booking based on the hotel being described as wheelchair accessible (also checked with the agency by phone before booking) and having accessible rooms as described on the webpage, specifically asked for an accessible room and also asked for the second room we booked for a carer to be at least fairly close. There is of course a specific item in their terms and conditions stating that they can't be held responsible for inaccuracies etc. Very fortunately as it turned out, the wheelchair user is able to walk a short distance.

 

The hotel is not accessible. There is a small step up to the only entrance, followed by 5 quite steep steps down. There are 5 more steep steps down to the breakfast room. They do not have any wheelchair accessible rooms.

The wheelchair user was allocated a room on the ground floor at the rear of the hotel, however the wheelchair wouldn't even go through the door and there was certainly no room inside to move around. The bathroom was barely a metre deep and 3 metres long, so also totally inaccessible. In any case the shower door couldn't be opened more than halfway before hitting the sink and even the able-bodied carer wasn't able to actually get in it. The shower also had a step up of just over 30cm.

The carer had been allocated a room on the first floor at the front so every time the disabled person needed assistance he had to go back and forth quite a distance between the two rooms.

 

On arrival, the hotel receptionist stated categorically that they were full and there were no alternative rooms available and also that any issues regarding the booking had to be taken up with the agency as 'it's not our problem'. Given the time, we felt we had no choice but to stay there for at least one night.

 

The following day whilst in the city centre we asked the tourist office to see if they could find us an alternative hotel. The only ones not completely full and with accessible rooms were unfortunately way beyond our price range given that we'd already paid for accommodation. As a result, we had no choice but to stay where we were.

 

Because of the lack of accessibility, the disabled person was caused considerable pain and discomfort by having to go up and down the steps at the entrance. In fact, to avoid having to do this too often, we stayed out all day and only returned to the hotel after dinner, whereas we would normally have returned to the hotel mid to late afternoon to rest before going out again for dinner. As well as skipping rests which are normally essential, we spent rather more time than intended in cafes etc, which of course also incurred extra costs. The disabled person was also unable to shower for the entire 4 days and after the first day didn't bother having breakfast due to the additional pain of going up and down those stairs. The carer spent considerable energy going back and forth between the rooms and also had to haul the wheelchair up and down all the steps every day.

 

Whilst we didn't let this spoil our weekend, we're not prepared to just let it go. At the very least, they need to correct the information on their website. I'm a bit unsure how to proceed because the agency seem to be based in Switzerland, and I've never done a charge back on a credit card before. I'm also unsure as to how much to ask for - we did use the rooms even if they weren't ideal, so a full refund would maybe be unreasonable?

RMW

"If you want my parking space, please take my disability" Common car park sign in France.

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Yes. It's a very difficult situation. The agency, as you say, is based in Switzerland and they make it clear that the applicable law is Swiss to be adjudged in the Swiss courts – very much in the same way that Ryanair is currently doing in Ireland for all of their customers wherever they are.

 

I think your best bet is to start out being unreasonable and demand of the lot and then see what happens. If you start off by being reasonable then apart from anything else that will open the door to some kind of negotiation – if any.

 

I hope you get somewhere but frankly I think it's gonna be very difficult.

 

I would certainly start going round the Internet and trashing the reputation of the hotel and of the agency.

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I wonder if there is no credit card provider liability in this situation - where the goods sold, as it were, are not as described?

 

[bTW: On the Ryanair point, passengers can still happily use the European Small Claims Procedure - Ryanair's nonsense is just hot air. The question of jurisdiction came before the European Court in 2009 - in Peter Rehder v AirBaltic - and the ECJ was very clear that the passenger could choose to pursue a claim in the courts of the country of departure or arrival for the journey concerned.]

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I've been reading up on my card provider's website amongst others and the added complication is that I'm the secondary card holder and the primary card holder wasn't travelling with us, so S 75 doesn't apply. I may still be able to do a chargeback but it appears I have to try and get something back from the agency first. I have managed to find an email address as my first line of attack, but I'm not overly optimistic about getting a response.

RMW

"If you want my parking space, please take my disability" Common car park sign in France.

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Frankly, I wouldn't bother. I think it will be huge amount of trouble and you won't get anywhere.

 

Spend your time trashing them around the Internet. Also, the Swiss are generally extremely efficient and well-organised. I'll bet you that they have some kind of disability organisation and I'll bet you it's all very regulated. Also, I bet you they've got an excellent tour operator control system – and I bet you that they speak very good English.

 

I would look around for these regulatory organisations in Switzerland and then contact them and make formal complaints and be persistent about them. If you get them to be interested then they will do your dirty work for you and I think you'll make more headway that way than any other way.

 

Start trashing them around the Internet as well. It all sounds disgraceful

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The power of the negative review has already got a response from Amoma, whether it will lead anywhere is a different matter. Has to be worth a try though, thanks for the help so far.

RMW

"If you want my parking space, please take my disability" Common car park sign in France.

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  • 4 weeks later...

Each time I want a response from Amoma I've posted another negative review, and so far it's worked. As for actually getting any money back from them however ....

RMW

"If you want my parking space, please take my disability" Common car park sign in France.

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  • 2 weeks later...

Amoma have reported my review (which is now removed pending moderation) on Trustpilot and accused me of libel. This is the review as posted :-

 

Based on assurances from Amoma, we booked a wheelchair accessible room plus a connecting/nearby room at an accessible hotel. The only entrance had steps, my standard size wheelchair wouldn't go through the bedroom door and the bathroom, at 1m by 3m, was totally unusable - even my able-bodied carer couldn't get through the shower door. After a negative review, Amoma finally seemed to be responding, but that review (on another site) has now disappeared and we've not heard from them for 3 weeks. Total waste of our money and time, not to mention the wasted flights etc.

Edit - And once again, a negative review prompts an offer to help which no doubt will fizzle out if they might actually have to refund. Bottom line is Amoma promised an accessible room and didn't deliver and unless they make a habit of it, they already have all the details and have had for over a month.

 

As expected I've had no further contact from Amoma so have asked my bank to do a chargeback.

RMW

"If you want my parking space, please take my disability" Common car park sign in France.

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  • 3 weeks later...
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