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  1. I parked my car on 27th May at 20:28 Purchased a parking ticket and displayed it on my dashboard. Returned to the car at 21:55 to find a PCN stick on my windscreen. The Notice state the following ‘ Enforcement officer XXXX had reason to believe that the following contravention had occurred and that a penalty charge is now payable: Contravention: Code: 83 Parked in a car park without clearly displaying a valid pay & display ticket or voucher or parking clock. Time of contravention: 20:39 On further checking, I noticed the ticket had been blew off the dashboard and on the driver’s seat! I do have the original ticket. And have not appealed or done anything yet. Would be grateful for your views & informed advice, please. Thanks in advance
  2. Hi I received the attached claim today for which I know nothing about. I have done the Acknowledgment of Service part online. Can anyone draft me the CPR 31.14 please as I'm a bit confused by it and don't want to use the wrong wording. It won't let me upload or link the claim form. The claimants claim is for balance due under an agreement with talk talk ltd dated 21-10-2006 which was assigned to claimant on 26-03-2014 and notice given on 26-03-2014 wh8ch is now all due. The defendant agreed to pay instalments under account number ......... but has failed
  3. Hi I've just received through a county court claim form from ukcps. I currently pay and have done for a while £85 per month to park in a private Carpark for work. It was owned by the shopping centre but was then taken over and we were issued permits that we had to display. On the day I got the fine my permit had blown onto the foot well so I sent a letter to ukcps and stated this. They have carried on with court proceedings even though I have my receipts for paying every month and now I have no idea how to appeal this online but refuse to pay the £175 they are now asking when they receive £85 a month off me already! Hoping someone has a template I could use to appeal this asap as I've been on holiday so I'm down a few days into my 14 days to appeal already grrrr Thankyou
  4. Hi Guys, After some advice, around 2 months ago i decided to go travelling. Before doing so i parked my car outside a business which is on a main Road in Manchester City Center. I asked someone that worked at this business if it would be ok to park there which they replied it would be fine. While ive been away, SIP parking must of bought the land the business was situated on and they erected a no parking restricted sign on the wall. Well after coming back from my travels ive came back to a windscreen full of tickets and numerous letters from SIP asking for £100, ive also received a letter from Gladstones solicitors. Ive been away so ive no knowledge that they put the sign up or that i was receiving tickets! just wondering if i have a leg to stand on, ive got 20+ tickets rolled up and i was wondering if i should reply to Gladstones with the reason why the ''parking offence'' has been committed. any help would be greatly appreciated. regards
  5. Would very much appreciate some guidance in putting together an appeal for county court. Mainly in terms of putting paperwork together. All. help would be greatly appreciated. Martin
  6. I have a cc claim form dated the 27th Oct for a cc debt that is being pursued by Lowell. About 18 months ago I requested a consumer credit request, sent it off recorded delivery but did not receive any further response to this other that the usual demand payments. Fast forward to now and i'm wondering what to do about the cc form? Although I've kept all my letters I can't find the receipt from the post office for the recorded delivery and the £1 postal order as proof that i sent it and they never acknowledged it… Am I toast? Thanks in advance PB
  7. Hello, I have this morning received a Claim Form, it is from Lowells. i am confused, I am pretty sure I took this up with Shop Direct at the time and asked for documents etc but to no avail. This account was defaulted on 29/10/2013 and has been with lowell for a while. They have tried to ask me for the money back but I did not respond. The debt on the letter from solicitors 2 weeks ago states i owed 846.65 but this claim form says 914.38 then fees on top of that bringing it to 1044.38. My question is, do I fight this or do I offer them some payment scheme if they will allow at this point as I have had no communication with them. Any help would be greatly appreciated.
  8. Hello, I hope I have posted this in the right place! I am utterly upset and shocked by this letter. Today I have received a letter from Northampton County Court advising that I owe £534.24 plus costs to UU. Now I do not dispute this bill at all as it is my annual 2017 - 2018 bill however my issues are as follows; - I had a zero balance with UU up until the most recent bill was issued on 1st April - The bill itself stated that I needed to pay £267.12 on 1st April and £267.12 on 1st October - I knew I wasn't able to afford the April payment so called them to arrange a plan to pay this off at £66.78 per month starting from the end of May running until September as my payday is 28th of each month. - As far as I was aware this was agreed however I didn't get anything in writing and more fool me, I didn't think this would be an issue. - I have not had any reminder from UU - I have now been told I have to pay the £534.24 plus £130 court costs which is for my bill up until 31.03.2018! -Can they give me a CCJ for a service I haven't had yet? - I dont have any proof of this payment plan as it was all done on the phone (i feel foolish now but they tell you to call them if you cant pay so I did) - How do I reply to this court letter? - Do I make the £66.78 payment at the end of the month? I do not dispute the bill of course but I cannot believe they have done this to me and I dont know what to do. Please can you help. Thank you
  9. Hello I see that there are a few new threads on here regarding county court papers filed by the DCA companies I have jus received one in the post today from Arrow global with regards to an old 02 account for £473.53 Date of default 8/10/2011 This account will be statute barred in Nov of this year I now have to defend it, so what would be my best response please This o2 debt has been passed around a couple of DCA in the past 5 years and 6 months Thank you
  10. Good morning I have returned from a weekend away to a CC Claim form with Lowell Portfolio 1 Ltd as the claimant ... They state it to be £150.23 to Avon cosmetics, but I cannot remember such a debt and if there even was one it was around 5 1/2 years ago! I never received a default letter from Avon (they say in the claim they sent an assignment in 2015) but I can honestly say, I never received anything. They are claiming #150.23 + #12.02 (8% interest) + #25 court fee + #50 legal representatives costs ... total is #237.25. My husband just says to pay it (I can't even see how I can do that as no payment details are attached) and I really don't think I owe anything! I have no idea what to do next & the clock is ticking on me doing something with this. Any help would be very gratefully received ... I don;t have a cheque book, so it would have to be a BACs payment (If I do just pay for it to go away) . .. but i'm not happy to pay fees, interest etc. on something I really don;t think I owe! Many thanks
  11. Hi everyone, it's been a while since I've been here. I'm dealing with the above for a family member. I have already acknowledged service on MCOL and ticked defend all. Am I correct in thinking the next steps are CCA to Cap One and CPR31.14 to the solicitor? Do I need to SAR anyone? Name of the Claimant ? Lowell Portfolio Ltd Date of issue – 07 April 2017 What is the claim for – 1. THe defendant entered into a Consumer Credit Act 1974 agreement with Capital One under account reference xxxxxxx (the agreement) 2. The defendant failed to maintain the required payments and a default notice was served and not complied with. 3. The agreement was later assigned to the claimant on 26/09/2013 and notice given to the defendant. 4. Despite repeated requests for payment the sum of £3xx.xx remains due and outstanding And the claimant claims a. The said sum of £3xx.xx B. Interest pursuant to s69 County Courts Act 1984 at the rate of 8% per annum from the date of assignment to the date of issue accruing at a daily rate of £0.076, but limited to one year, being £27.xx C. Costs What is the value of the claim? £46x.xx Is the claim for a current account (Overdraft) or credit/loan account or mobile phone account? CREDIT CARD When did you enter into the original agreement before or after 2007? I am unsure of this. After Has the claim been issued by the original creditor or was the account assigned and it is the Debt purchaser who has issued the claim. Lowell Portfolio ltd Were you aware the account had been assigned did you receive a Notice of Assignment? No notice of assignment was received Did you receive a Default Notice from the original creditor? Family member doesn't recall Have you been receiving statutory notices headed “Notice of Default sums” – at least once a year ? One was received a few months ago but none prior to that Why did you cease payments? He was made redundant from his job and was struggling with a few debts he had at the time What was the date of your last payment? Sime time in 2011 Was there a dispute with the original creditor that remains unresolved? No Did you communicate any financial problems to the original creditor and make any attempt to enter into a debt managementicon plan? No Thanks in advance
  12. Hi I have received a county court claim from Lowel solicitors for a aqua credit card that i took out 2 years ago. I don't have much idea what to do now. I have read a little on here but do not understand. Do I first go onto the county court website and say that I am defending the claim. Do I send a CCA letter of some sort to Lowel solicitors or to the original Aqua credit card I took out. County court issue date 12 April 2017 Signed Lowell solicitors The agreement was later signed to the claimant on 21.7.16
  13. My father made 4 separate CCA requests for 4 different debts being pursued by Cabot. For each of them he has received the attached response which states that they are unable to provide the info for the moment and will continue to pursue the original lender for the information. They say the account will 'remain on hold' but are 'still obliged to repay the outstanding balance'. We wish to settle this matter and are willing to make a percentage payment to clear the debt. I am tempted to write back a letter as in this post http://www.consumeractiongroup.co.uk/forum/debt-collection-industry/266261-calder-financial-offer-clear-2.html#post3017541 . What does everyone think is the best way to settle these debts without prolonging the matter too much (my father is dealing with 17 creditors at the moment!)? cabot.pdf
  14. Hi, yesterday I received a letter with a county court summons saying that I owe nearly £300.00. Can someone help me on this please, I have only just started to get my credit back to an average status and do not want a CCJ against me for this amount. What do I do now??? Any help would be much appreciated... Thanks
  15. Hi guys, hoping to get some advice - if anyone has a bit of spare time to read through and make any suggestions it would be very much appreciated. Please see the info below for the current situation: Claim issued by Cabot Financial (UK) Limited Date of issue – 8th Feb + 19 days = 26th Feb, + 14 days = 4pm Friday 10th [revised - dx] Particulars - "Monies due under current account overdraft. 1.THe claimant's claim is for the balance outstanding under a Bank account facility Yorkshire Bank agreed to maintain for the defendant. It was a term of the Bank account that any debit balance would be repayable by the Defendant in full on demand. The defendant has failed to repay the amount due. The debt was assigned to the Claimant." Value of claim - £1000 - this includes the overdraft amount of £850 and court and legal representative costs of just under £150 Overdraft from a basic current account Account opened 2013 Were you aware the account had been assigned – did you receive a Notice of Assignment? Not sure, went through a phase of not opening letters and moving address Context - this was a basic account with no arranged overdraft facility. I was suffering from an addiction at the time which meant I uncontrollably spent all money effectively as soon as it was available, however I was able to go £900 overdrawn on the account (not a planned or arranged OD, this would definitely have been rejected if applied for). Account has not been used since 2014. I have sent no communication to either Yorkshire Bank or Cabot. Is the first step to send a CPR31.14 to Mortimer Clarke (listed as solicitors on the form)? I don't expect to be able to defend it successfully as I do owe the money, if I am going to lose the case my best option seems to be to try and delay any judgement for 3/4 months, by which time I will have saved the money and then can pay it within a month after the judgement which therefore it means it won't show on my credit report - is this correct? Many thanks for any help.
  16. Please can someone give me some advice about County Court Bailiffs and what powers they have? It is a bit of a saga which has ended up with having to borrow money from a pay day lender, not being able to keep up the repayments, interest spiralling and a CCJ issued. I offered payment which I could afford to the Court to stop the CCJ but it was ignored. Contacted the company before it went to Court and offered payment and asked for original papers this was ignored. Got home today to find a letter from a County Court Bailiff in the post. Bizarrely, the letter said he visited my home, but the envelope was clearly stamped and delivered by my postman. He is demanding attendance at the County Court Bailiff Office, is this obligatory or can it all be done by email/post? If he does come back, does he have a right of entry?
  17. Hi evreyone I received a letter from the the county court asking me to pay £471 to lowell who bought the debt from orange! if i dont a judgement may be entered against me... Back to june 2013 i went back home for 15 days when i came back to London i received an orange bill of over £200, i called them asking why the bill is higher then usual, they said i used roaming !!! before flying to my distination i called orange to ask for the roaming prices abroad and because was expensive i didnt take it so i used the wifi . I refused to pay the extra for something i havent used, they offered me to pay half of the bill but i insisted to pay only my monthly bill as was on the agreement. i called orange costumer service again because they discounted me from makjng calls explianed them again that j will pay only the monthly as we agreed and i requested a call back from a manager but the call didnt come for next 6 days so i switch to an other network! Please any suggestion as i checked my credit score today was 2/5 ! Thanks
  18. Hi everyone, I parked my car at the Peel Centre in Stockport to pickup an item which was reserved for me in Argos. Its my first visit at the Peel Centre and no doubt will be the last. Upon arrival there were no visible signs or parking machines around the perimeter so I gathered the parking was free. I went to the store to pickup the item but was told it was reserved by their other store just around the corner. The staff asked if I parked my car here, I replied yes and so she advised me to leave the vehicle here and its only a 5 minute walk. I took her advice but didn't return until an hour later after experiencing a small queue at the store and receiving a phone call from a friend. When I returned back, there was no ticket on my windscreen and so I left the Peel Centre. 12 days later I received a PCN from Excel parking via post demanding payment of £60 within 14 days. I contacted Argos and asked to speak to the store manager but was told there was nothing could be done which was disappointing. Since then, following the advice I received from my friends after the experience they've had from other parking companies, I continued to ignore all letters and correspondence relating to Excel. Currently I'm at the stage in which I received a letter from Wright Hassall solicitors demanding final payment of £180 within 14 days or else a CCJ will be imposed upon me which will have impact on future loans and credit rating. I have searched a lot of forums relating to this matter and the majority of the people on here suggest to keep ignoring them since Wright Hassall has no grounds to issue a CCJ since their client is ZZPS Ltd who are debt collectors and not Excel Parking. Although it might sound crazy but do I continue to ignore Wright Hassall if this is the case? Any advice would be appreciated. Thanks.
  19. I’m a Claimant who is suing an individual for non-payment of a buildings insurance which I have to arrange. We both attended a county court hearing in Oct’ 2016 and the judge put a “stay” on the case while it was referred it to the First Tier Property Tribunal for a decision on whether I had properly charged the other party. In Jan’ 2017 we both attended the Tribunal hearing and they found entirely in my favour and referred the case back to the County Court. I have now had a letter from the County Court saying I must now apply to have the “stay” lifted. Can anyone tell me how to do this please and, is there a fee? As there is no public office at the court I tried emailing them to ask which form I may need but a very unhelpful person replied that if I didn’t know I should ask a solicitor, not them. Thanks for any help or guidance you can give. Lloyd
  20. I am in a very difficult situation with DEL. I was using a hire car. The hire car sent me the charge. I made the payment or at least I thought I made the payment. My bank statement shows payment gone through but DEL received anything. It turns out that there was error with the bank processing system and somehow the last digit of account number was missing. The bank processed the transaction and have resent the original amount. DEL claims that they sent me a letter for payment which I never received. And I have asked them numerous times in the last week to send a copy of the letter that they sent. First they said that it was sent recorded delivery. I asked who signed for it and they didn't respond. Then they admitted that it was never sent. Now the MD of DEL wrote to me stating that letter was sent. I don't have a problem with paying the charge however, I never received any notice from DEL that payment was due until I received letters from Gladstones and their Debt collectors. Please is anybody able to provide any guidance or advice about my rights? Below is the copy of the email received today: ----------------------------- Dear Sailesh, Your email has been forwarded onto me to review. Looking at the case , it would appear that judgment was entered against you on 31/08/2016. As such, we regret that we cannot accept the original charge amount and that we will be pursuing the full judgment amount. If you wish to resolve the matter, please make payment for the outstanding amount at your earliest convenience and we will ensure that our agents notify the Court that the judgment has been satisfied. Please note that we are unable to accept payment directly. Further details of how a County Court Judgment is obtained can be found at the following link: Trust online link We trust this answers your queries . Please note that we will not engage in protracted correspondence regarding your Claim and subsequent judgment. You’ve been given the opportunity to dispute the matter and we are now in a position whereby we will seek to enforce the judgment against you. If you wish to dispute the judgment then we would suggest that you seek independent legal advice as to how this may be achieved. Kind regards, Dyl Kurpil LLM/LLB (Hons) Law Managing Director
  21. Issue Date: 21/02/2017 Claimant: PRA Group Solicitor: Surjit Gida (Legal Rep) Original Creditor: MBNA Particulars of Claim: 1.On 11/06/02 the defendant entered into an agreement with NBNA for a credit card under reference: xxxxxxxxxxxxxxxx. 2.On 31/05/10 the defendant defaulted on the agreement with an outstanding balance of 6895.76. 3.On 29/02/2012 the debt of 6895.76 assigned the debt to PRA Group (UK) on 31/12/2014. Notices of assignment were sent to to the defendant in accordance with S136 Law of Property Act 1925. 4.Payments of 54.00 received up to 13/09/2016. 5.The claimant claims (1) the sum of 6838.76. (2) Statutory interest pursuant to Section 69 of the County Courts Act 1984 at a rate of 8% per annum from 13/09/2016 to 20/02/2017, 239.63 Daily rate of 1.50 until judgment or sooner payment. The Claimant claims the sum of 7078.00 for debt and interest. Is the debt Statute Barred: No Info: My mother over the phone registered for a credit card, there was no signing of an agreement. In 2009 her husband, my father developed cancer while working abroad. He carried two thirds of their house hold income. Finances grew increasingly as time went on. I assist as much as possible. All other banks when informed of the situation froze their accounts and worked on a solution. MBNA differed and instead raised interest rates. In May 2010 She defaulted once again. On 04/06/2010 MBNA sent her a letter stipulating her balance was 6905.76 and in order to remedy the breach she must pay £1082.13 by 22 June 2010 (I have this letter). On the 30th My father died at home with my mother, she had no ability to pay. On the 30th she also received a letter from Experto Credite stating Varde Investments (Ireland) has bought the interest of MBNA including the outstanding balance. Thus the legal owner of the account. Under the terms of this assignment Experto Credite had been appointed to recover any and all debt. (I have this letter). She replied after numerous calls and letters on the 14th august 2010 (I have this letter copy), apologising and stating the situation she is in, and her inability to pay the sums owed and how she was treated by MBNA. Eventually finances were looked on and a plea bargain was made whereby my mother and Credite Experto agreed she paid £1 per month (Amazing), from the 20/05/2011 via standing order to an assigned bank account. At the end it states "If your payments stop at any time without us agreeing, the full amount will become payable immediately. (I have this letter). She has paid this every month without fail. This never stopped them from harassing her with letters saying she has monies outstanding, but each time she referred to the agreement and never stopped paying. On the 26/04/2012 a letter was received by Aktiv Kapital stating they have purchased the account from Varde Investments. With an outstanding balance of £6,893.76. They have stated they have been advised of a payment arrangement set up with Experto Credite. And although they own the account, "you should still continue to make your payments to Experto Credite" "Experto Credite will advise us of all the payments you make so we can keep your account up to date" (I have this letter) On the 16/05/2012 Experto Credite sends a statement of account as required by the CCA 1974, stating the assigned balance is £6905.76 (This is the exact original amount stated by NBNA in 2010), paid £13... (£1 every month from since agreement) and the current balance is £6892.76. She continues to pay and receives letters of settlement offers she can't afford but no statements from Experto Credite ever again (I have several examples of offers). She next receives a letter of statement Undated for 13/01/2014-12/01/2015 as requires by CCA. Giving a opening balance on 13/01/2014 of 6873.76 and the closing balance on 12/01/2015 of £6860.76. On the letter it also states Aktiv Kapital (UK) limited changed its name to PRA Group (UK). Then saying they have been assigned the account from Aktiv Kapital. "You do not need to do anything as a result of this change. We will continue to accept payments in the name of Aktiv Kapital, So no changes of payment are needed". (I have this letter) On the 16/01/2015 a letter was received from PRA to inform that the account was assigned to them, re-stating that their name had changed. Also saying "Your existing payment arrangements are not affected by this transfer and do not need to make any changes" (I have this letter). Of course still letter are still sent saying an outstanding amount, offers which she still can't afford and calls about her balance. Her replies over the phone stay the same and she keeps paying. On the 25/01/2016 PRA sends another statement saying her opening balance on 26/01/2015 is £6860.76 payments received 12.00. Closing balance on 25/01/2016 is £6848.76. Of course the calls keep coming and she keeps to the same script. On the 03/01/2017 PRA Group sends a letter to inform her that her account has been transferred to the investigations and litigation department. Saying its a letter before claim as required by Practice Direction on Pre-Action Protocols, for intention of court proceedings. She calls them up and informs them of the agreement to which they say they haven't been sent payment.... She checks every month without fault and her last payments at the end of the year show payments go through... . She argues and yes calls them a liar. don't say why or give a reason for not getting payment. On the 05/01/2017 she gets another statement from PRA Group saying they have payments received of £11.00... . So she goes back to her last statement and sees payments are being made, to the agreed. Her statements come after the 9th of every month and is actually stated on her statements... . So she couldn't check her Dec-Jan Statement. She goes with the premise that as usual they are calling to force a new agreement or get something. She gets one more letter from PRA stating again its with the Investigations Department... . Then on the21 /02/2017 she is sent a County Court Claim Form. She still only has her house to her name and zero finance ability. So she contacts me and I look into what I can but I am no lawyer... I discover Experto Credite is now under Liquidation and her Dec-Jan Statement provides a refund of that £1.00 on ironically the 4th of Jan.... One day after???! Being informed its under a investigation and litigation department.... expert credite website shows their liquidation info. This has gone way over my legal knowledge but surely PRA was responsible for informing my mother that the company was under liquidation.. . Or that they weren't paying. .. To investigate this third party who was being paid.. .. The totals from the statements also don't match up to the statement in the claim.. .. 54 is not correct that's even less. She has only missed 1 payment because it was refunded; she wasn't informed at all of anything. This can't be fair or legal. And the Claimant in their statement has completely ignored the fact there is a payment plan in effect, that they have acknowledged this plan, stated nothing will change..... I am lost in how to put a defence down, as its unfair, even though there is no signed agreement which doesn't matter anyway apparently CCA 2006, she has always paid it. any help, identifying legislation, OFT guideline, code of practice or just how to act would be appreciated. I am getting in touch with a financial Ombudsman, Citizen Advice, then gaining statements for every single month to prove payments if it matters, I have copies of all these letters. But pretty sure in a defence you can only have like 200 characters??. And defence on what grounds.... I am truly thankful for any and all help, Wayne
  22. Hi, just after a bit of advice really, I received a claim form last week for a debt of £300 or so that has resulted from bank charges and interest on a Nationwide account, the account was in credit when a charge took it overdrawn, further charges and interest then grew the negative balance to around £300 until the account was closed/suspended in 2011. As the basis of the debt is from charges that may/may not be illegal? (probably for missing a direct debit) - would there be any point in contesting the claim? I know its not alot of money but I am trying to deal with my historic debts so any that I can avoid will allow me to do this sooner! Regards Gary
  23. I have got an ccj against me from Cabot financial we have had a visit from an county court bailiff regarding this of which I refused to deal with him and certainly did not get entry into my property I have now received a final notice letter stating that they have no alternative but to attend with vans and porters to remove our goods for sale am I right in thinking that unless they gain peaceful entry this will not happen I do not own a car and they is nothing of any value outside Thankyou for any advise in advance.
  24. Hi There, I got helicoptered off a hill in Austria in 2015 after I broke my shoulder. I can't complain about the rescuers as they were great however, at no point either on the phone, in the helicopter or at the hospital was I told that there would be a charge. In fact the hospital took my EHIC health insurance card which covered my treatment. Since then I've been hounded by The Austrian Red Cross and a London based Solicitor to pay almost £5000. I haven't ignored the letters and have repeatedly asked (recorded delivery) for them to provide proof that I accepted the charge in either verbally or in writing. Each time this request has been ignored. Today I been served with a County Court for the sum of £4847.70 which included interest from August 2015. The particulars are: "1. The claimant is a helicopter rescue company operating under the laws of Austria 2 On the 18th of August 2015 the claimant provided helicopter rescue and medical services to the Defendant at the Defendants request (No I didn't, it was my then girlfriend who called them). Details of the moneys due are contained in the attached copy statement of account for Euro 4,807.92. 3 The Defendant has refused or neglected to pay to the Claimant the outstanding balance of Euro 4,807.92. The amount was payable by the 26th August, 2015. (I haven't refused or neglected, I've asked for the credit agreement) 4 The Claimant claims: 4.1 The sum of Euro 4,807.92 4.2 Interest from the 27th August, 2015 on the sum of Euro 4,807.92 at a rate of 8% per annum pursuant to Section 69, County Courts Act 1984 making a total to date of Euro 566.94. 4.3 Interest from the date of this claim to the date of judgment at a daily rate of Euro 1.05 We certify the rate current in London for the purchase of Euro at the close of business on the 13th February, 2017 was Euro 1.178 to the Pound Sterling at at the rate specified the amount claimed including both principle claim and interest amounts to £4,562.70" I'm having issues getting legal advise to understand if I have a defence and the fact that I'm self employed means that a CCJ against my credit file would make finding work more difficult in future as many companies that I work for, perform a credit check prior to using my services. Can anyone offer any advise or point me in the direction of a solicitor that doesn't want £1000 just to have a 10 minute conversation? Thanks in advance, Craig
  25. Hey guys Apologies if I am in the wrong section, but I am new here! I recently had an accident with another driver where our cars collided. The third party was 100% in the wrong in regards to the accident however she is not claiming liability considering that it was her fault. I'm not here to get advice on the accident details, I am here to ask a question about court statements. When in contact with the solicitors dealing with my case for me, i've obviously given them my statement of what happened and I know i've been completely honest with this because not only is this my first ever court appearance, it's my first time dealing with something like this so I wanted to ensure 100% truthfulness. I've been sent her statement in regards to what happened that night, reading through it she has completely lied about what was said in the conversation between us after the accident. Before I go into what was said, I just want to say that this third party (defendant) is of Polish decent and spoke broken English... When I got out of the car, I said to her that she was in the wrong lane and cut into me causing the accident, to which she replied "I was in the right lane, you were in the wrong lane" to which I replied "Ok thats fine, if you want to argue this i'll call a police officer myself and get them to see who was in the wrong lane" and that was that... In her statement, she has wrote - 'he got out of his car, I told him he was in the wrong and he said "I am a police officer I know what lane I should've been in' My question to you guys is what exactly happens at this point there has clearly been a mis-communication due to a language barrier? I am slightly concerned as the last thing I want to get branded with is impersonation of a police officer when it did not happen at all. I hope this is enough information in regards to the question I would like answered Many thanks Sam
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