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About rennai

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  1. Body work isn't too bad and mileage was 128,000 miles and I thought it's okay for diesel car of that age, and it's a 7 seater which I desperately needed. On gumtree the seller has a bit of history in selling cars. I might contact Gumtree but I'm unsure if they can give me more details about this trader given that dvla refused to provide further details but only said car was transferred to a trader, and then dvla guy said I can fill and submit particular form (V88 I think) if need further details. I checked mot history of car and all seems ok no note of previous engine fault, and on
  2. 26 Dec 2019 bought 2005 toyota corolla verso for £1600 from trader on gumtree. Two days after car broke down, smokes coming out exhaust, Oil change & EML came on. Since then I've had 6 breakdowns and AA reports said DPF, EGR Valve problems. Car can't go into regeneration. Rang trader on mobile posted on ad Gumtree (Bowden Cars Ltd based in Dukinfield) but no response, google bowden cars found the website and rang landline they said it wasn't them that someone must have used their business name without permission, I rang them back after coupl
  3. letting agency said obviously, for credit score, etc checks, right to rent check, previous proof of rent payment, etc
  4. Hi All I'd appreciate any advice on this please. I collected keys for rented house on 15 Nov 2019 and moved in on 18 Nov 2019. However the landlord accepted my application for rent on 8/11/19 but I had to wait for checks by tenant Data UK which was completed on 15/11/2019. The problem is that the housing agent told Council I started renting house on 8th Nov 2019 and Council issued me CT bill starting from 8th Nov 2019. I contacted Council to amend bill but they said no that if I don't pay I'll receive a summon soon. I pay rent every 15th monthly
  5. Great Site this is, I have received lots of help since joining this forum and I believe many others must have benefited in one way or the other. I shall make contribution by end of this month when I get my salary. Keep up the good work guys. High Regards, from Rennai
  6. Update guys: Judge said Lowell won, that I've 14 days to pay Lowell. Judge said: It's not SB due to 3 pounds payment on 23/02/13, Lowell changed solicitor....not the paralegal that wrote WS. Lowell solicitor said if I insist on 5 yrs Scottish law on SB then I should've written to the court that they lack jurisdiction to hear the case, the judge agreed with her, saying that if she should go ahead to judge the case it'd be based on English law which specify 6 yrs. There and then I wasn't sure what my rights are on this point of jurisdiction?? The
  7. dx100uk don't be surprise I'm not at that level yet LOL...still a notice Moreover, National Debtline said to me that Scottish law would not apply because LOWELL issued claim here in England whilst I'm resident in England £3 made 23 feb 2013 thats why lowell is saying 5 years 6 months 3 weeks.... they 're saying after 8 months, they didn't reply to CPR, etc
  8. @Andyorch based on on this judgement MFS Portfolio Limited v Phelan West (2019)....I'm saying section 78 apply, though I ve been told not to cite it directly in my WS because it's County Court judgement there was random payments made later than 18th Nov 12 which I notice after SAR and statements sent to me by LoWELL e.g £40 by family friend and £3 ,they are only mentioning £3 because it was from my ISA account-I still don't recollect why I made that payment
  9. EXHIBIT K 24th March 2019 Lowell Portfolio I Ltd 9 Savannah Way Leeds LS10 1AB Dear Sirs Your Ref: 1...…. MFS Portfolio Limited v Phelan West (2019) I write to draw your attention to recent successful appeal case regarding a personal current account with overdraft facility; the decision was made before HHJ Walden-Smith sitting at Cambridge County Court. In this instant case the Appeal court found the personal Current Account Overdraft agreement to be unenforceable pursuant to the Consumer Credit Act because
  10. Good evening All, Please any assistance or suggestions would be appreciated regarding my court hearing vs Lowell. I have attached their Witness statement and mine, including the Particulars of Claim, etc lowell WS.pdf
  11. morning guys, update: they paid court fees so hearing next week. seen their WS wherein; -they stated debt not sb because its 5 yrs 8 months and 3 weeks before they issued court claim, stating that cause of action accrued from the last date random £3 payment was made -they claim that a copy of the agreement I requested is not available due to: a) it was provided to me at the outset; b) there is no legislation requiring the OC to retain copy of original agreement; c) they the claimant doesn't have access to a copy of the agreement - they aver tha
  12. no correspondence with them since 4mths, no mediation, etc... was just clock ticking to hearing date. Last communication before now was them saying they wont comply to CCA request because it's not regulated. I don't want to put my eggs in one basket so I want to fight this with other grounds not just it's extinguished, National debt line said because case raised in English court whilst Im still living in England that's not extinguished
  13. guys, I've got hearing coming up...please any suggestion or points you think it may help would be appreciated, I'd check library now for any samples of WS I could use, but if you got link handy please send it? Some points: ---As I said previously claimant didn't comply with any request or pre action protocol ---the account in question: they bought a disputed account Thanks
  14. update: I've given hbos further 2 weeks (final notice) and still no reply yet. I only got unexpected call from her manager arguing that I can't claim more than 6 years refund bla bla...my only response was to demand written reply. re six years limit: firstly, I think the fact they transferred debt to DCA and are still chasing me for full balance it means I can reclaim everything they owe since account was opened. secondly, I only found out details of all excessive bank charges after they responded to my SAR, previously letter of appropriation and letter requ
  15. Hello guys, To raise small claims action against HBOS who knows the exact address to use, I wrote to office in Leeds? I got a reply from their office in Cardiff. I just want to be very sure??
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