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    • I'm still pondering/ trying to find docs re the above issue. Moving on - same saga; different issue I'm trying to understand what I can do: The lender/ mortgagee-in-possession has a claim v me for alleged debt. But the debt has only been incurred due to them failing to sell property in >5y. I'm fighting them on this.   I've been trying to get an order for sale for 2y.  I got it legally added into my counterclaim - but that will only be dealt with at trial.  This is really frustrating. The otherside's lawyers made an application to adjourn trial for a few more months - allegedly wanting to try sort some kind of settlement with me and to use the stay to sell.  At the hearing I asked Judge to expedite the order for sale. I pointed out they need a court-imposed deadline or this adjournment is just another time wasting tactic (with interest still accruing) as they have no buyer.  But the judge said he could legally only deal with the order at trial. The otherside don't want to be forced to sell the property.. Disclosure has presented so many emails which prove they want to keep it. I raised some points with the judge including misconduct of the receiver. The judge suggested I may have a separate claim against the receiver?   On this point - earlier paid-for lawyers said my counterclaim should be directed at the lender for interference with the receiver and the lender should be held responsible for the receiver's actions/ inactions.   I don't clearly understand that, but their legal advice was something to do with the role a receiver has acting as an agent for a borrower which makes it hard for a borrower to make a claim against a receiver ???.  However the judge's comment has got me thinking.  He made it clear the current claim is lender v me - it's not receiver v me.  Yet it is the receiver who is appointed to sell the property. (The receiver is mentioned/ involved in my counterclaim only from the lender collusion/ interference perspective).  So would I be able to make a separate application for an order for sale against the receiver?  Disclosure shows receiver has constantly rejected offers. He gave a contract to one buyer 4y ago. But colluded with the lender's lawyer to withdraw the contract after 2w to instead give it to the ceo of the lender (his own ltd co) (using same lawyer).  Emails show it was their joint strategy for lender/ ceo to keep the property.  The receiver didn't put the ceo under any pressure to exchange quickly.  After 1 month they all colluded again to follow a very destructive path - to gut the property.  My account was apparently switched into a "different fund" to "enable them to do works" (probably something to do with the ceo as he switched his ltd co accountant to in-house).   Interestingly the receiver told lender not to incur significant works costs and to hold interest.  The costs were huge (added to my account) and interest was not held.   The receiver rejected a good offer put forward by me 1.5y ago.  And he rejected a high offer 1y ago - to the dismay of the agent.  Would reasons like this be good enough to make a separate application to the court against the receiver for an order for sale ??  Or due to the main proceedings and/or the weird relationship a borrower has with a receiver I cannot ?
    • so a new powerless B2B debt DCA set up less than a month ago with a 99% success rate... operating on a NWNF basis , but charging £30 to set up your use of them. that's gonna last 5mins.... = SPAMMERS AND SCAMMERS. a DCA is NOT a BAILIFF and have  ZERO legal powers on ANY debt - no matter WHAT its type. dx      
    • Migrants are caught in China's manufacturing battles with the West, as Beijing tries to save its economy.View the full article
    • You could send an SAR to DCbl on the pretext that you are going for a breach of your GDPR . They should then send the purported letter of discontinuance which may show why it ended up in Gloucester and see if you can get your  costs back on the day. It obviously won't be much but  at least perhaps a small recompense for your wasted day. Not exactly wasted since you had a great win  albeit much sweeter if you had beat them in Court. But a win is a win so well done. We will miss you as it has been almost two years since you first started out on this mission. { I would n't be surprised if the wrong Court was down to DCBL}. I see you said "till the next time" but I am guessing you will be avoiding private patrolled car parks for a while.🙂
    • It is extremely disappointing that you haven't told us anything about the result of the hearing. You came here at the very last minute and the regulars - all unpaid volunteers - sweated blood trying to get an acceptable Witness Statement prepared in an extremely short time. The least you could have done is tell us how the hearing went, information invaluable for future users. Evidently not.
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    • Hello,

      On 15/1/24 booked appointment with Big Motoring World (BMW) to view a mini on 17/1/24 at 8pm at their Enfield dealership.  

      Car was dirty and test drive was two circuits of roundabout on entry to the showroom.  Was p/x my car and rushed by sales exec and a manager into buying the mini and a 3yr warranty that night, sale all wrapped up by 10pm.  They strongly advised me taking warranty out on car that age (2017) and confirmed it was honoured at over 500 UK registered garages.

      The next day, 18/1/24 noticed amber engine warning light on dashboard , immediately phoned BMW aftercare team to ask for it to be investigated asap at nearest garage to me. After 15 mins on hold was told only their 5 service centres across the UK can deal with car issues with earliest date for inspection in March ! Said I’m not happy with that given what sales team advised or driving car. Told an amber warning light only advisory so to drive with caution and call back when light goes red.

      I’m not happy to do this, drive the car or with the after care experience (a sign of further stresses to come) so want a refund and to return the car asap.

      Please can you advise what I need to do today to get this done. 
       

      Many thanks 
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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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Oxford Retail Loss Prevention A Retailer / ** reveiwed September 2015 **


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Interesting to read but lets face it, nothing that surprising !, the Judge interpreted the law correctly IMO, and commented that it may be possible for the store/RLP to recoup loses but not in the present guise and Im not sure that following the parking charge example would be any more succesfull, surely this would need big signs at shop doorways telling shoppers they are entering a contract as soon as they enter a shop, this would scare me off !

 

I'm really surpsried that QC Mawrey opinions on this overlooked some very obvious basic facts.

 

Andy

Andy

 

I would be grateful if you could direct me to Mr Mawrey's opinion on this?

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You are quite right in what you say. It is, indeed, very rare for a judge to award punitive damages. The only case I know of where a District Judge awarded punitive damages against a defendant was in a personal injury case where the defendant, a manufacturer and their insurers, were repeatedly seeking adjournment of the assessment of damages hearing, without good reason and attempted to mislead the judge, who visited the factory to inspect the machinery that caused the claimant's injuries. The DJ, in addition to awarding substantial damages plus costs against the manufacturer and their insurers, inflicted punitive damages in respect of their abuse of the legal process and attempts to mislead him and the court.

Minor gripe: wrong phrase. Exemplary damages are what you ask for. The test is common law, two limbs (depending on whether the Defendant is a servant of the government or calculates that it will profit from its action), found in Rookes v Barnard. Your pleadings should be aligned very precisely with the words of the judgment. Unwise to bother except in circumstances I won't go into (dont want to be accused of encouraging it), otherwise you might just annoy everyone and thus weaken your main case.

 

But who needs exemplary damages when you can get 100% costs awards, even in a civil recovery small claim? Civil recovery? Love it almost as much as costs recovery.

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Minor gripe: wrong phrase. Exemplary damages are what you ask for. The test is common law, two limbs (depending on whether the Defendant is a servant of the government or calculates that it will profit from its action), found in Rookes v Barnard. Your pleadings should be aligned very precisely with the words of the judgment. Unwise to bother except in circumstances I won't go into (dont want to be accused of encouraging it), otherwise you might just annoy everyone and thus weaken your main case.

 

But who needs exemplary damages when you can get 100% costs awards, even in a civil recovery small claim? Civil recovery? Love it almost as much as costs recovery.

 

The case highlighted in my post refers to a case where the defendant abused the legal process and attempted to mislead the judge and court. The DJ involved hit the defendant with the punitive damages award for doing this and the punitive damages went into central funds. The claimant received substantial damages for personal injury and full costs against the employer and their insurers.

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CitizenB, yes it did get a couple of lines, buried deep in a local rag, and this was back in the 1970's. We were appalled that it only got that sort of coverage, I do think that those up the "TOP" had influence in what was printed because they didn't want the Inspector named, which to me was a bit stupid as from what I understand it is a matter of public record when its been to court so why try to play it down.... should have been front page headlines........

Keefy (:-)The "Moaner":rolleyes:)Boy

Prepared to take on anyone until I win...................

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Thanks keefy, that is a shame, I thought it might have been a bit more recent:)

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I did used to have a copy of it, but about 5 house moves later I haven't seen it for a few years, the paper itself went kaput (A very large fire) so no way or trying to dig it up either..//The particular Officer was then promoted to the next rank up, and a few months later got promotion again and returned back to the original station, from where he retired under a cloud shall I say..... something to do with possible assaults charges........ the mind boggles....... I wonder if he signed up for that security company??

Keefy (:-)The "Moaner":rolleyes:)Boy

Prepared to take on anyone until I win...................

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I popped into a local supermarket today and saw a huge sign which stated.

 

"Plain Clothes police officers patrol this store"

 

Can it be assumed that rather than pay a private firm, they are contributing to the salaries of "real" police officers?

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3: Feel Bullied by Creditors or Debt Collectors? Read Here

4: Staying Calm About Debt  Read Here

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Advice & opinions given by citizenb are personal, 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.

PLEASE DO NOT ASK ME TO GIVE ADVICE BY PM - IF YOU PROVIDE A LINK TO YOUR THREAD THEN I WILL BE HAPPY TO OFFER ADVICE THERE:D

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I popped into a local supermarket today and saw a huge sign which stated.

 

"Plain Clothes police officers patrol this store"

 

Can it be assumed that rather than pay a private firm, they are contributing to the salaries of "real" police officers?

 

 

I think they probably mean: "Plain clothes police officers sometimes buy their sandwiches here"

 

It's a bit like those stickers you see on cars that say: "Powered by fairy dust"; when you see the driver, you realise that it means: "Powered by pies".

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I knew several police officers that used to "moonlight" in big stores to supplement their pay, it saved the stores paying out to a private security firm who didn't know what the hell they could do or couldn't do.

Keefy (:-)The "Moaner":rolleyes:)Boy

Prepared to take on anyone until I win...................

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And if those police officers had been caught, they could have been sacked. Secondary employment in the police force is a no-no. The stores who employed them would have been in big trouble. too.

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If, as my reading of this case is off on a slight tangent, surely a mortgage shortfall cannot be legal as it is claiming damages - ie the remaining part of the contract which cannot now take place as the property has been seized and resold.... means that you can use Dunlop in a mortgage shortfall claim?

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If, as my reading of this case is off on a slight tangent, surely a mortgage shortfall cannot be legal as it is claiming damages - ie the remaining part of the contract which cannot now take place as the property has been seized and resold.... means that you can use Dunlop in a mortgage shortfall claim?

 

It's a bit more complicated than that as those who provide mortgages can be thoroughly dishonest. Some will say they have suffered loss and are entitled to the shortfall, despite the fact that there is a duty, in law, to mitigate losses as much as possible. Some mortgage providers have been known to deliberately sell repossessed properties at artificially low prices in order to make more money. The problem is, they can afford very clever barristers to pull the wool over the eyes of judges. There is a need for change in property law which is long overdue. Our current property law is based on the feudal system they had in the Middle Ages. The system they have in Scotland is a lot simpler, fairer and easier to understand. I'm sure if there are any caggers from Scotland who know differently, they will tell me.

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As far as I am aware it's the original opinion. It's on RLP's website.

 

Nice to see you here, by the way.

Thanks. Right. I have read Richard Mawrey's Opinions with some pleasure. I have to say I do NOT like the random, and often un-argued, criticisms on this site of Mr Mawrey's advice. To assist I set out some points:

 

1. Mr Mawrey has suggested what seems to me a good arguable case on the CCA stuff to put up against the skeletal Law Commission view. Possibly wrong in the end (especially in respect of some obvious public policy bear-traps), but brilliant work and strategically very useful for any ripoff merchants out there if they want a couple of years delay. Provided, that is, it's even relevant to the test case at issue, and they don't mind gambling circa 0.4-1 million taking it all the way to the Supreme Court (remember the other side even if pro bono will still claim costs for the Access to Justice Foundation). I think they'd satisfy a couple of the special threshold requirements (if I'm wrong the SC'd just kick it out at the permission stage). However this is probably irrelevant to the more interesting point, which is:

 

2. His core general argument on criminals not being consumers at the same time is interesting, and may well be sound. I loved it, and it shines through he must have had heaps of fun writing it. The only problem is - and it's not his fault at all - it might just fail to refer to anything relevant to civil recovery. It's a straw-man argument (subspecies of red-herring). Probably brilliant for black propaganda, probably useless for the torts associated with civil recovery. This is absolutely NOT Richard Mawrey's bad - no matter how good he is as a lawyer (and I need say no more than he IS, after all, a QC), he's limited like anyone else to his instructions, and the question came from his instructors, as did his factual instructions. By imprecise analogy, if I were lucky enough to be offered a nice fat fee for giving nil-consequence perfectly sound answers to questions of the sort "What are the legal consequences of the moon being made of criminally green cheese" and "what should we do about those nasty qango folk that say not all moon-rocks are made of green cheese"), hey I'd take it. Wouldn't you? Not my fault if the paying client has joined the Silly Party. Give the punters what they want.

 

There are two alternative approaches in dealing with this type of argument:

(a) "When your opponent sets up a straw man, set it on fire and kick the cinders around the stage" www fallacyfiles.org / strawman.html

(b) "If a person commits this consciously they are either deceptive or intellectually dishonest. If done unconsciously then we should feel pity for them and try to be as patient and compassionate as possible." logical-critical-thinking.com / logical-fallacy / red-herring-fallacy

 

I prefer the latter. Therefore, please show compassion to the retailers and their agency dupes and their gentle security managers as they work through this difficult time (inter alia, being asked for the first time to comply with s.24A Police and Criminal Evidence Act 1984). In particular, please preserve their anonymity. Oh, and next time, ask for costs if any of the players are the same. That may help the poor lambs focus their minds. (Yes, these are small claims, but I recently experienced a succession of costs awards for the Claimant in a defended civil recovery small claim, circa 4.7k from the first contested hearing alone, despite no prior form by the Defendant).

 

3. I laughed out loud when I saw Mr Mawrey's conclusion - with which I concur - in his second Opinion where he engagingly suggests the retailers should "put up or shut up". One may suspect Mr Mawrey has a sense of humour and looks forward to it with as much pleasure as everyone else.

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  • 2 months later...
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I am sure the poor lambs in the retail industry are having some difficulty coming to terms with the fact they and their security staff now have to comply with Section 24A, Police & Criminal Evidence Act 1984 and can no longer get away with the stunts they have pulled in the past. It must have come as an awful shock to them. Lol!

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  • 3 months later...

S24a applies for when a shop's security officers apprehend someone outside their store. Common law and the 1953 prevention of crime act (read the MP's comments on the bill in Hansard) allow different courses of action to be taken on private premises but shops are public places according to a ruling somewhere around 1997, even behind the counter. As for handcuffs or the like, does a police officer carry a baton under as a common law right or with crown immunity? The answer is the former, which is a surprise to many police officers.

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  • 7 months later...
S24a applies for when a shop's security officers apprehend someone outside their store...
. Yes. Clarification: and it also applies for when they apprehend someone inside their store. And for when I (or you) apprehend someone in a public place. Or when I (or you) apprehend someone in any store.

 

Summary: s.24 is for police. s.24A is for everyone else. Interestingly, if security guards wrongly execute it, they might render themselves open to arrest by the police or anyone else, including their intended victim (not recommended, they're not renowned for their sense of humour).

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  • 2 years later...

All posts made in respect of RLP allegedly making a claim in their own name have been moved to a thread of their own.

 

Link below if you wish to join the discussion.

 

http://www.consumeractiongroup.co.uk/forum/showthread.php?461951-RLP-allegedly-making-a-claim-in-their-own-name-!

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Dealing with Customer Service Departments? - read the CAG Guide first

1: Making a PPI claim ? - Q & A's and spreadsheets for single premium policy - HERE

2: Take back control of your finances - Debt Diaries

3: Feel Bullied by Creditors or Debt Collectors? Read Here

4: Staying Calm About Debt  Read Here

5: Forum rules - These have been updated - Please Read

BCOBS

1: How can BCOBS protect you from your Banks unfair treatment

2: Does your Bank play fair - You can force your Bank to play Fair with you

3: Banking Conduct of Business Regulations - The Hidden Rules

4: BCOBS and Unfair Treatment - Common Examples of Banks Behaving Badly

5: Fair Treatment for Credit Card Holders and Borrowers - COBS

Advice & opinions given by citizenb are personal, 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.

PLEASE DO NOT ASK ME TO GIVE ADVICE BY PM - IF YOU PROVIDE A LINK TO YOUR THREAD THEN I WILL BE HAPPY TO OFFER ADVICE THERE:D

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