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    • A key member of the US central bank, Raphael Bostic, tells the BBC rates might only ease "at the end of 2024".View the full article
    • A key member of the US central bank, Raphael Bostic, tells the BBC rates might only ease "at the end of 2024".View the full article
    • OK, thanks, I won't wait for them. On a side note, some of the posts on here are a bit frustrating, I read through five pages or so of someone going through the court process rooting for them as I'm reading, then nothing, not heard of again. Left here wondering what the outcome was, lol!
    • Hello Caggers,   I've been trying for years to get an old EE account wiped off my credit file. It was opened in 2013 and almost immediately defaulted but was shown as "Payment Arrangement" ever since. I contacted EE by telephone in 2022 and was advised it had not been wiped because there was still £69 owing, I paid it and thought it would correct once the CRA's updated their reporting cycle. However, it has still not been removed. I made a formal complaint on 27/03/2024 and have had contact with the executive team who advised that  "EE account ......... has now been deleted from the Credit File as it failed to close as it was reporting the payment arrangement set up despite, as advised this failing which should have resulted in a further default showing.  Please be advised the deletions we have completed take 24 hours to update if a paid service is used to view the Credit File. If the customer uses one of the free services to view the Credit File, the recordings update in 24 hours but the changes can take up to 30 days to be visible on a new copy of the Credit File. I have requested compensation and been advised by EE that another team are looking into this. That was almost 2 weeks ago and there has been no contact since, despite me chasing it. I do not want to go to court and would rather settle this amicably. However,I have been advised that I might have a claim for aggravated damages due to the length of time the incorrect reporting has been on my file and the fact that I told EE about this issue and paid the demanded outstanding amount of £69 almost 18 months ago. Should I just wait for EE to reply or should I start building my case against them? Is their statement admissible as evidence of their blame or do I need to dig a bit more? I made a DSAR which was initially rejected as having no data found yet. I trawled my e-mails from 2013 and found the account number and mobile number, I'm now awaiting the result of my 2nd attempt at DSAR. I have very little in the way of proof of actual loss except a mortgage refusal e-mail from HBOS in 2015. I have also had high interest loans and credit over the last 10 years but again cannot directly attribute this to this one specific error. There were other items on my credit file that could also have contributed to a low credit score too and I'm not out to cash in on anything. I want to make sure I don't end up shooting myself in the foot for any obvious reason and would appreciate any help from anyone who has had similar experience with breaches of DPA.
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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.

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      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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What Form? What For? Where does it go? N244, N245, Ex160


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Having been contacted several times of late asking for help there appears to be a lot of confusion over what Form to use, what application you make and where to send it once complete. Before going too much further can we establish that actions which originate in the High Court have all their applications made to the High Court. The confusion seems to arise for County Court Judgments (CCJ) that are either transferred up to the High Court for enforcement or enforced by the County Court Bailiff (CCB).

 

Stay of Execution

Form N244

If visited by a High Court Enforcement Officer (HCEO) you may be able to apply for a Stay of Execution against the Writ he has. You do need grounds to be able to do so and each case has to be treated on its own merits. It is no good just applying for a Stay just because someone says you should. If making this application it can be posted to the High Court in London or sent to a County Court that also acts as a District Registry of the High Court. If the application is urgent then it should be taken in person and ask for an urgent response. You must enclose the appropriate Court fee with the application unless you are entitled to have it waived in full or part - see below for further details.

 

The Stay may be granted on an interim basis pending a full Hearing at a later date.

 

Please note that if a CCJ is transferred up to the High Court it is for enforcement only and all other matters remain the jurisdiction of the County Court.

Set Aside

Form N244

If applying for Set Aside for a CCJ then this Form must be sent to the County Court where it was originally made or the last County Court listed if other representations have been made. You need to have a good reason to succeed with this, just because you did not receive the original documentation is not enough unless you can also prove the original would have failed. Again the Court fee must accompany the application unless you are entitled to have it waived in full or part - see below for further details.

 

Suspend the Warrant and/or

Variation Order

Form N245

If visited by the CCB you can apply on this Form to Suspend the Warrant of Control he has. In. with this or as a stand alone application you can also apply to pay your Judgment in affordable instalments - providing you can show why you cannot afford to pay it all at once & your I&E you submit shows no extravagant expenditure. You may apply to have you payment more than once if you have a change of circumstances but also note the Claimant may also apply to have the Judgment varied as well. The application needs to be sent to the Court where the CCJ was last dealt with. Again the Court fee must accompany the application unless you are entitled to have it waived in full or part - see below for further details.

Application for Fee Remission

Form EX160a & EX160c

You will need this if you feel you cannot afford to pay the Court Fees and may be granted Remission in full or part. You must supply the proof required with your application & if making more than 1 application then proof muct be sent with each.

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Excellent PT ....I will stick that for you :thumb:

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Another point noting is that of the forms used.

 

The title of a Form gives a good clue to its use. For instance Form N245 clearly states it is an "Application for suspension of a Warrant and/or Variation of an Order" - the Warrant is the Warrant of Control issued to the County Court Bailiff usually when chasing debts that are under £600 or governed by the CCA, & making an application to vary the terms of a previously made Order - you simply tick which part you want or both if need be - this Form is not used to apply for a Stay of Execution.

 

Applying the same thought for a Stay of Execution or Set Aside shows there is no relevant Form and this is why Form N244 is used as it is a general Application Notice for any matter not listed separately. This one of the reasons why the fee charged is a lot more as it can cover quite a broad spectrum and every application made is different.

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