Jump to content


  • Tweets

  • Posts

    • Do you think I should send the CCA request now then instead of waiting? I really can do without the stress. Any advice would be appreciated. Thank you for responding.
    • How was the "receiver" appointed and what is their role? Appointed by the lender under the terms of their security on the loan (sometimes referred to as "LPA Receiver")? Or are they acting for you in insolveny? What's the current role of the agent?
    • Wait for more replies, but that letter to me can be interpreted as a letter before action. Ignoring it can have consequences. The court to impose sanctions for failure in responding to a letter of claim.
    • 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      
  • Recommended Topics

  • Our picks

    • If you are buying a used car – you need to read this survival guide.
      • 1 reply
    • 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 
      • 81 replies
    • Housing Association property flooding. https://www.consumeractiongroup.co.uk/topic/438641-housing-association-property-flooding/&do=findComment&comment=5124299
      • 161 replies
    • 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
        • Like
  • Recommended Topics

Setting aside a CCJ


style="text-align: center;">  

Thread Locked

because no one has posted on it for the last 1931 days.

If you need to add something to this thread then

 

Please click the "Report " link

 

at the bottom of one of the posts.

 

If you want to post a new story then

Please

Start your own new thread

That way you will attract more attention to your story and get more visitors and more help 

 

Thanks

Recommended Posts

I received a General Form of Judgement or Order dated 23.11.18 on 27.12.18.

 

I have now missed the chance to pay this in full within one month.

 

I filed a defence but did not attend the hearing, I didn't know I had to attend.

 

I called the court on 6.12.18 to find out the outcome, I was told it was with the orders team being typed up but they had a 6 week backlog.

 

Can I apply to have it set aside?

Link to post
Share on other sites

upon what ground do you think you can set it aside??

 

whats the debt all about?

why did you not come here earlier?

please don't hit Quote...just type we know what we said earlier..

DCA's view debtors as suckers, marks and mugs

NO DCA has ANY legal powers whatsoever on ANY debt no matter what it's Type

and they

are NOT and can NEVER  be BAILIFFS. even if a debt has been to court..

If everyone stopped blindly paying DCA's Tomorrow, their industry would collapse overnight... 

Link to post
Share on other sites

Hi, it's a debt for an unpaid bill, i defended it as they added 48% interest, I lost!

 

I would have paid it following the Judgement but didn't receive this until 27 December 2018.

 

I want it set aside so that I can attend a hearing, have my say and then pay it within the month so the CCJ is completely removed from my file.

 

If I pay it now the CCJ will stay on my file for the next 6 years although it will be marked as satisfied.

 

I have rung the Court today and they said if I had attended the hearing I would have known the outcome.

 

But they've taken so long to send it out and now I've missed the deadline to pay in full within one month.

 

Am I wasting my time?

Link to post
Share on other sites

" I have rung the Court today and they said if I had attended the hearing I would have known the outcome. "

 

" I called the court on 6.12.18 to find out the outcome, I was told it was with the orders team being typed up but they had a 6 week backlog."

 

:twitch: Cant win can you...have you retained the envelope ? Can you prove you only received it 27th 12 ?

We could do with some help from you.

PLEASE HELP US TO KEEP THIS SITE RUNNING EVERY POUND DONATED WILL HELP US TO KEEP HELPING OTHER

 

Have we helped you ...?         Please Donate button to the Consumer Action Group - The National Consumer Service

If you want advice on your Topic please PM me a link to your thread

Link to post
Share on other sites

No worries ...your county court stated they were 6 weeks behind and therefore at blame...what date does it state to pay by or is it just forthwith judgment ?

We could do with some help from you.

PLEASE HELP US TO KEEP THIS SITE RUNNING EVERY POUND DONATED WILL HELP US TO KEEP HELPING OTHER

 

Have we helped you ...?         Please Donate button to the Consumer Action Group - The National Consumer Service

If you want advice on your Topic please PM me a link to your thread

Link to post
Share on other sites

Also......

 

" I filed a defence but did not attend the hearing, I didn't know I had to attend."

 

Did you not receive a Directions Questionnaire (N180) or Notice of Allocation (N157) advising you how to prepare for trial and what to submit and what date the hearing was ?

 

I suspect not if the efficiency of this court runs 6 weeks behind.

We could do with some help from you.

PLEASE HELP US TO KEEP THIS SITE RUNNING EVERY POUND DONATED WILL HELP US TO KEEP HELPING OTHER

 

Have we helped you ...?         Please Donate button to the Consumer Action Group - The National Consumer Service

If you want advice on your Topic please PM me a link to your thread

Link to post
Share on other sites

Notice of Allocation received 17 September 2018 - hearing date 30 November.

 

General Form of Judgement or Order received 24 October 2018 (the claimant tried to go for Summary Judgement on 22 October) - hearing date now 23 November 2018.

 

I didn't think I had to attend, major fail on my part!

Link to post
Share on other sites

Quite...all the courts directions are clearly instructed in the Notice of Allocation...which both parties must comply with.#

 

So they got summary judgment ? and this is a forthwith judgment ......date stated to pay by ?

We could do with some help from you.

PLEASE HELP US TO KEEP THIS SITE RUNNING EVERY POUND DONATED WILL HELP US TO KEEP HELPING OTHER

 

Have we helped you ...?         Please Donate button to the Consumer Action Group - The National Consumer Service

If you want advice on your Topic please PM me a link to your thread

Link to post
Share on other sites

Well forthwith means just that...forthwith..but you are allowed a reasonable time to make payment.Service of documents from courts are normally first class and deemed served within the prescribed post office guidelines.

 

You telephoned the court on 6.12.18 to find out the outcome,you was told it was with the orders team being typed up but they had a 6 week backlog.

 

The Notice ot Judgment/Order is dated 23.11.18 you received it on 27.12.18.....35 days......you are legally entitled to make payment and have the option to clear the judgment and make payment to prevent it from being registered on the CCJ Trust.

 

This you have been deprived of due to the inefficiency of your local county court which have openly confirmed they were running 6 weeks behind.

 

I have seen Notice of Judgments from some courts with small prints stating that ....." payment is due from date of receipt " is not on your Notice anywhere in small print ?

We could do with some help from you.

PLEASE HELP US TO KEEP THIS SITE RUNNING EVERY POUND DONATED WILL HELP US TO KEEP HELPING OTHER

 

Have we helped you ...?         Please Donate button to the Consumer Action Group - The National Consumer Service

If you want advice on your Topic please PM me a link to your thread

Link to post
Share on other sites

It just states how and who to pay and if I ignore the order my goods may be removed and sold or other enforcement proceedings may be taken against me.

 

It doesnt look like a normal CCJ (I've had a few!) where they state Judgement for Claimant and they have the Note to the defendant in the bottom left hand corner stating if you pay in full within a month, etc.

 

Is there a chance the one I have may be being followed up with another with all these details on?

Link to post
Share on other sites

Not sure...could possibly scan and redact and upload it here ?

 

Which County Court is this ?

 

Is the Claimant a business ?

 

Are you a litigant in person or business ?

We could do with some help from you.

PLEASE HELP US TO KEEP THIS SITE RUNNING EVERY POUND DONATED WILL HELP US TO KEEP HELPING OTHER

 

Have we helped you ...?         Please Donate button to the Consumer Action Group - The National Consumer Service

If you want advice on your Topic please PM me a link to your thread

Link to post
Share on other sites

Paying Within 30 Days

 

If you pay the full amount of the judgment within 30 days of its issue, the judgment will be marked as ‘satisfied.’ If you do this, do not assume that the CCJ will automatically be removed from the register. The creditor may do you the courtesy of informing the court that you have paid the judgment, but then again - they may not. In this situation, the best thing to do is to tell the court yourself. There are three steps to take:

 

search the register to see if your judgment is recorded (you can do this by entering into a search engine ‘search the county court register’). There is a small fee involved.

 

If the CCJ is on the register, make sure you have proof that you have paid the debt (you could get this from the creditor)

contact the court and ask them for the form to remove it, fill it in and send it back with the fee (this is £10.)

 

So check if its been registered.....?

 

https://www.trustonline.org.uk/

 

If not pay it tomorrow.

We could do with some help from you.

PLEASE HELP US TO KEEP THIS SITE RUNNING EVERY POUND DONATED WILL HELP US TO KEEP HELPING OTHER

 

Have we helped you ...?         Please Donate button to the Consumer Action Group - The National Consumer Service

If you want advice on your Topic please PM me a link to your thread

Link to post
Share on other sites

Hi Andy

 

Thanks so much for all your help with this.

 

It's not listed I've just checked.

 

I'll pay it tomorrow, if they just mark it as satisfied can I then apply to have it set aside or not if I've paid?

 

I want it removed on the grounds that I didn't receive the judgment in good time and therefore was denied the right to pay in full within one month.

 

Or will they just say I should have attended the hearing?

Link to post
Share on other sites

No need to " satisfied " is the norm...pay for fast clearance if possible or transfer.Then ring the court inform them its been paid on date and received.

 

Not attending the hearing is irrelevant..has no bearing.

We could do with some help from you.

PLEASE HELP US TO KEEP THIS SITE RUNNING EVERY POUND DONATED WILL HELP US TO KEEP HELPING OTHER

 

Have we helped you ...?         Please Donate button to the Consumer Action Group - The National Consumer Service

If you want advice on your Topic please PM me a link to your thread

Link to post
Share on other sites

You said its not been registered.....pay it now before it is and nothing should show.

We could do with some help from you.

PLEASE HELP US TO KEEP THIS SITE RUNNING EVERY POUND DONATED WILL HELP US TO KEEP HELPING OTHER

 

Have we helped you ...?         Please Donate button to the Consumer Action Group - The National Consumer Service

If you want advice on your Topic please PM me a link to your thread

Link to post
Share on other sites

  • Recently Browsing   0 Caggers

    • No registered users viewing this page.

  • Have we helped you ...?


×
×
  • Create New...