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  1. Today
  2. Vodafone are NOT lowells clients voda had NO INVOLMENT in bringing the court claim in the 1st place nor continuing the claim after the successful set aside. they sold the debt..washed their hands of it. and what counterclaim have you made? you haven't and shouldn't, all you have done is filed a defence with regard to the continuing claim. and NO you never ever ring them. can you scan these statements to one multipage PDF please read upload CAREFULLY
  3. don't like the sound of that but legal speak is not my best subject. so they are not refunding your fee for the N244? when this was NOT your mistake but theirs? what defence did you file for the debt along with the reason for the set aside?
  4. I entirely agree dx. Now I think I should get supporting evidence to substantiate my counter claim. Hence there is still unresolved dispute with the original creditor.. In other words I believe my contract with Vodafone ended in December 2014. I think it is about time Lowell accept responsibility for something their client refused to acknowledge nearly 4.5 years ago. What do you think people? should I give them a call tomorrow to discuss this further?
  5. I meant that lender is just threatening liability for huge shortfall - but no actual figures been demanded yet. Lender lawyer advised a few potential buyers but when we asked for details lender won't disclose the exact amounts and specific terms. They allege they have one offer close to their list price - but it's still super low in comparison to true market price - plus the buyer's offer is subject to having the Freehold. The lawyer has demanded I "give away" - for free - the Freehold to help them sell the property. It's not mine and its valuable.
  6. I submitted N244 to the court asking for a set aside hearing. Howard Cohen wrote to me saying their client has instructed them to consent to the set aside of the default judgment. They have enclosed a consent order for me to sign which says the following : Schedule The default judgment to be set aside. The defence do stand. Directions Questionnaires be issued. No order as to costs. It is ordered by consent : Having agreed to the terms set out in the schedule, all further proceedings in this matter be stayed except for the purpose of carrying such terms into effect. Each party shall have permission to apply to the court to enforce those terms without the need to bring a new claim. No order as to costs.
  7. ok. thanks dx. Demands are different from threats!!
  8. Yesterday
  9. Claim dismissed and Claimant to pay Defendant's costs etc Don't think I ever stated "won' - they failed, judge found in my favour etc....
  10. So - now in the hands of a PI lawyer. I didn't realise there is a 3 year time in which to start proceedings... So all medical records and reports collated for the (relative's) medico legal expert. Now getting quotes for stair lifts. Lawyer suggests that if injury so bad that impairs walking upstairs, that installing a lift may be part of the claim? Certainly everything that's been discussed on here seems accurate - ie that injury isn't minor, so checking against the JC guidelines, their latest offer falls well short of the appropriate considered level. Lets see...
  11. ell-enn said... When you start to receive demands for money
  12. Good advice thanks very much. Are there any guidelines on how long they should take to send said transcript? I was quoted 28 days on an information request today... I have just sent two secure messages to NW. The first was to state that they did not follow my instructions from this morning when I cancelled the DD authority held with PayPal, as they allowed PP to reinstate this mere hours later. I gave them formal notice that PP have no authority to take DDs from my account and so I will seek reimbursement from NW should they allow any in the future. The second was a formal request for them to re-credit my account for all DDs taken by PayPal in the given time period, in accordance with the DD mandate. Reason being that I did not give PayPal the authority nor instruction to take those payments by DD. Will relay this to the manager tomorrow and ask for a transcript so I can complain to the FOS if this is not sorted by end of play.
  13. Its directions agreed between both parties how the claim will proceed in preparation for the hearing...Fast Track Directions are not set by the court as in small claims track.
  14. Make sure to ask for the name of the person you are speaking to, as well as a full email transcript of the call. If they ask why, tell them everything on the call is being copied to the FOS for a full official complaint. They usually shift pretty quick.
  15. Was the claim dismissed or struck out ? You keep referring to you " won " you got judgment ...a defendant cant get judgment ? Andy
  16. ericsbrother - thanks for response. Please see photos as requested + more pix.pdf
  17. Hi As you are a Director of the Small Company have a wee look at this link: https://www.moneyadviceservice.org.uk/en/articles/dividing-business-interests-on-divorce-or-dissolution
  18. as the card is still owed by the OC, and as you've seen, they usually are able to comply, then its enforceable. so no don't cease payment. however get an SAR running.
  19. HRT process for returning British citizens can be quick, if they show evidence of now being resident in the UK and working or looking for work. So important to take all documents to Job Centre appointment confirming ID, residency at an address, evidence of work or looking for work e.g. Job applications. if enough evidence is provided a decision can be made in a few days. And once entitlement is confirmed, then your Son can apply for an advance payment. Under Universal Credit, once the claim is up and running, then first normal payment made after 5 weeks from start date. Work search appointments regularity can depend on Job Centre and how busy they are. Some people have appointments every fortnight and others once a month approx. The important thing is complying with commitment and not missing appointments to avoid sanction. It is people who fail to attend work search and other mandatory appointments or fail to show sufficient evidence of looking for work, who can end up with a sanction.
  20. Thanks dx100uk - response to relevant questions provided below. I will provide photos of signage at entrance and further photos of marked bays at same location in separate response. For a windscreen ticket (Notice To Driver) please answer the following questions.... I received a Parking Charge Notice (SIP) 1 The date of infringement? 11/05/2019 @ 16:01 2 Have you yet appealed to the parking company yet? No if you have then please post up whatever you sent and how you sent it and the date you sent it, suitably redacted. [as a PDF- follow the upload guide N/A has there been a response? N/A please post it up as well, suitably redacted. [as a PDF- follow the upload guide] If you haven't appealed yet - ,......... have you received a Notice To Keeper? (NTK) [must be received by you between 29-56 days] Not yet as only 12 days since alleged infringement what date is on it Did the NTK provide photographic evidence? N/A yet 3 Did the NTK mention Schedule 4 of the Protection of Freedoms Act 2012 (PoFA) [Y/N? ]N/A yet 4 If you appealed after receiving the NTK, did the parking company give you any information regarding the further appeals process? N/A yet [it is well known that parking companies will reject any appeal whatever the circumstances] 5 Who is the parking company? Simple Intelligent Parking (SIP) 6. where exactly [Carpark name and town] did you park? Harding Street, Manchester
  21. wasn't always that way changed with the spc rules of 2016. also, staple a copy of the cabot no cca letter to the courts copy. dx
  22. sar to MBNA CCA request to arrows their address means their address not YOURS!! once they or anyone you are blindly paying fails the CCA request after 12+2 working days your option to cease payment until they comply exists.
  23. for an account from 1998 I would suspect penalty/OD charges and the interest they have caused far outweigh any outstanding sum owed now. you shoyld have stop the month after you started the same with any other debts you are blindly paying. it probably that fact alone that has given PRA the idea to PAP you, as they can see you are blindly paying and think they can easily frighten you into more free money to their drinkies/holiday staff funds
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