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    • I'm not sure we were on standard tariffs - I've uploaded as many proofs as I can for the ombudsman - ovo called last night uping the compensation to 100 from 50 pounds for the slip in customer service however they won't acknowledge the the problem them not acknowledging a fault has caused nor are they willing to remedy anything as they won't accept the meter or formula was wrong.   I'd appreciate more details on the economy 7 approach and I'll update the ombudsman with any information you can share. 
    • To re-iterate and highlight my urgent question on this one: The N24 from the court did not include any instructions to submit paperwork 28 days before the date, unlike the N157 received for other smaller claims. Do I have to submit a WS for this court date? Link has!...
    • No, reading the guidance online it says to wait for a letter from the court. Should I wait or submit the directions? BTW, I assume that the directions are a longer version of the particular of claim accompanied by evidence, correct?
    • Thanks for opening, it's been another rough year for my family and I've procastinated a little.. Due to the age of my defaults on this and other accounts (circa 2021), I really need to avoid a CCJ as that will be another 6 years of credit issues. Mediation failed as I played the 'not enough info to make a decision' however during the call for some reason they did offer settlement at 80%, I refused. this has been allocated to small claims track, court date is June 3 and I've received their WS. I'm starting on my WS. They do appear to have provided everything required of them (even if docs could be reconstructions). Not really sure what my argument is anymore but I do want to attend court and see this through. Should a judgement be made against me then I will clear the balance within 30 days and have the CCJ removed - this is still possible isn't it? I'm going to be reading up today and tomorrow and hope you can provide me some guidance in the meantime. Wonder what your advice would be given the documents they have provided? I am now in a position to clear the debt either by lump sum or a few large installments - Is this something i should look into at this late stage? Thanks as always in advance
    • I have now received my SAR. It includes a great deal of information! Is there a time limit on how long account information is kept and/or can be provided to debtors? I have received many account statements which were not previously sent to me. I remember that the creditor should provide explanations of any acronyms and abbreviations that maybe used in the documents. Is this still the case? Also what, if any, are the regulations in regard to adding fees to a debt? Can fees be added to a debt after the court has approved a charge on a property. Perhaps due to the numerous owners of the debt, many payments I made were not properly recorded on the account, some were entered over a year after the payment was made! Following the Legal Charge, I paid every month until my payments were refused. I am trying to compute the over payments, but the addition of fees etc. is confusing me. Any comments and/or help would be appreciated.
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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.

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      OT APPROVED, 365MC637, FAROOQ, EVRi, 12.07.23 (BRENT) - J v4.pdf
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Check Judgments Online - Trust Online developed by Registry Trust - current at 21.09.2015


ukaviator
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Trust Online has been developed by Registry Trust. The non-profit company which gathers information from six jurisdictions, including the Register of Judgments, Orders and Fines for England and Wales under contract to the Lord Chancellor.

 

All the information held by Registry Trust is now available to the public online for a fee of £8. The database contains over six million registrations, some dating back six years. CCJs, high court judgments, fines defaults, child support liability orders and administration orders are available.

 

Scotland, Ireland, N Ireland, Isle of Man, Jersey court judgments and decrees are on the searchable register.

 

 

 

Check your own record:

 

 

Check the registers for your CCJ, judgment and fine records - Trust Online

 

Check others:

 

Check other people and businesses for CCJs, judgment and fine records - Trust Online

WARNING TO ALL

Please be aware of acting on advice given by PM .Anyone can make mistakes and if advice is given on the main forum people can see it to correct it ,if given privately then no one can see it to correct it. Please also be aware of giving your personal details to strangers

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Just noticed this thread, before anyone gets too over enthusiastic about this Non-profit making organisation just understand exactly what it is.

 

This is an organisation set up by Malcolm Hurlston. The very same Mr Hurlston who set up the CCCS charity which helps so many thousands of people in debt (and a good job they do too ).

 

The Registry Trust as stated above by UKactivator gathers CCJ - County Court Judgment information from all those jurisdictions which the likes of you and me get if we don't pay our debt -AND THEN THEY SELL THAT INFORMATION TO THE SUB-PRIME MARKET BROKERS!

 

I have a business, so I wrote to Registry Trust and posing as a potential buyer of this information asked for a price list. £80,000 :eek:

 

Now these sub prime lenders and brokers (although there are not so many as there used to be post crunch) used this information to send out those flyers you get through the door offering loans, sub-prime loans, because no high street lender will give a loan if you have a CCJ. Just do an SAR on any leaflet sender (or just phone and ask) and you'll see where they got your name from.

 

Once done, the borrowers who are now paying much higher interest rates and as we read on here, suffering tremedous pressures and fees and so on from the lenders get themselves into more debt as a result of these high repayment charges and pop off up the road to the CCCS charity to get help.

 

All not-for profit? The Government pays Registry Trust a Consultancy fee and Mr Hurlston no doubt invoices through his own consultancy a nice fat fee each month too. Still not for profit? £80k for a list of ccj holders? Still not for profit? Yeah, pull the other one.

 

To cap all that Mr Hurlston very kindly sat on a panel of Judges for the Credit Today awards to select the Debt Collection Agency of the Year a few years ago.

 

See how it all works? :wink:

 

Teach your kids to live without debt. It's a rocky road to ruin from the minute they open an account. Control, that's all this is about - they want to control YOU! :mad:

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