Jump to content

Showing results for tags 'hearing'.

  • Search By Tags

    Type tags separated by commas.
  • Search By Author

Content Type


Forums

  • The Consumer Forums: The Mall
    • Welcome to the Consumer Forums
    • FAQs
    • Forum Rules - Please read before posting
    • Consumer Forums website - Post Your Questions & Suggestions about this site
    • Helpful Organisations
    • The Bear Garden – for off-topic chat
  • CAG Community centre
    • CAG Community Centre Subforums:-
  • Consumer TV/Radio Listings
    • Consumer TV and Radio Listings
  • CAG Library - Please register
    • CAG library Subforums
  • Banks, Loans & Credit
    • Bank and Finance Subforums:
    • Other Institutions
  • Retail and Non-retail Goods and Services
    • Non-Retail subforums
    • Retail Subforums
  • Work, Social and Community
    • Work, Social and Community Subforums:
  • Debt problems - including homes/ mortgages, PayDay Loans
    • Debt subforums:
    • PayDay loan and other Short Term Loans subforum:
  • Motoring
    • Motoring subforums
  • Legal Forums
    • Legal Issues subforums

Categories

  • News from the National Consumer Service
  • News from the Web

Blogs

  • A Say in the Life of .....
  • Debt Diaries

Find results in...

Find results that contain...


Date Created

  • Start

    End


Last Updated

  • Start

    End


Filter by number of...

Joined

  • Start

    End


Group


Location

  1. I have been sent a Notice of Hearing for next Thursday as I have no idea what to expect on the day was hoping someone on here could advice, what the procedure is and can I take a friend with me I have no legal rep (can't afford one ). My story in short: my husband past away 3 years ago unexpectedly from a heart problem age 70 and left me with debts, I'm now living on housing benefits and a basic state pension. We have lived in this rented house for the past 17 years the landlord back in June decided he wanted to sell the house, he said I could stay until it was sold but then in Aug changed he's mind and said he wanted it for his daughter. Because private rental is almost impossible (meet non of their criteria) plus I have a dog. Due to not being able to find any where he now wants to evict me. I am on the housing reg, but have had a problem with them too. So could anyone tell me what to expect on the day of the hearing and any advice would be grateful, Feeling very much at the mercy of these people.
  2. I am really hoping that someone can help as I am struggling to find advice due to the fact that my situation is slightly different. I will try and keep it brief. An individual that I used to work for who I considered a friend loaned me a large amount of money to assist with purchasing my house. What I didn't realise at the time and call me foolish if you like was that this individual was hoping that by assisting me that I would enter into a relationship with him (he is married I might add) Anyway because that did not happen he turned against me and requested that the loan become secured, I completely understood that he wanted security and a year after he loaned me the money his solicitor issued a loan agreement for me to sign. I signed the agreement. The agreement doesn't state repayment terms or a monthly amount to pay just the interest rate of 4 % per annum. We had always agreed that he would wait until I was in a position to remortgage the property and I would release equity and repay him. Fast forward to December 2014 and I received a letter from his solicitor demanding that I repay the amount owed in full within 5 days in line with the agreement. There is not a chance that I could repay immediately. A week later I received a letter stating that the individual would purchase the property and keep me on as a tenant. Given his resentment towards me having him as my landlord would be a nightmare and I can only think that he feels it is away to maintain contact and control. I admit that in hindsight I should not have borrowed the money but I have 2 children and the thought of losing our home is making me ill. I really would like to know what powers the Judge has, the loan is not regulated, the individual will definitely turn up with some hot shot solicitor and I cannot afford to have legal representation. Any advice would be appreciated.
  3. List of events Received claim from Northampton CC Acknowledged service Sent CCA request to Lowell and CPR 31/14 to BW Legal Reminder sent to both after 14 days Embarrassed defence submitted as could not reply to particulars without agreement, DN and NOA. Directions sent out for witness statements no later than 14 days before hearing I filed my witness statement to court with 15 days to go 2 days before the hearing I now get claimant witness statement with copy of agreement and NOA attached but no DN What can I do from here? I am surely prejudiced by this as I am unable to defend it now, plus also the directions stated if docs and statement were not filed outside of 14 days then they would be disregarded. Also the agreement looks very dodgy and looks reconstituted, it was taken out in May 2006 so it must be the original surely? Plus also some particulars are missing from it such as their signature and also a credit limit? How do I proceed from here as the hearing is this Wednesday.
  4. I was dismissed after a gross misconduct hearing with NHS, I appealed and lost the appeal. I applied under DPA for all information that they held about me. They sent me the same information that I had been given prior to and during the hearing. Due to my profession the disclosing and barring service are involved. A year after my dismissal the DBS sent me papers for me to respond to. The papers were from the NHS; the papers were a copy of the report made by a seniour NHS manager for the gross misconduct hearing. The problem I have is that the statement provided to the DBS by the NHS contains a different account that was provided to me; I have never been presented with this version from the NHS. The DBS version contains information that was taken from a meeting during 2011; however that information was initially recorded as a draft; that draft was recorded as a draft and the information was corrected during 2012 I have found a document (an email) within the DPA information that was written by a very senior NHS manager; that email talks about removing the 2011 comments as she does not want me to know about it. The NHS managers now have two versions of a statement one that was used during the gross misconduct hearing and another provided to the DBS. The one that was used against me during the hearing has no real negative issues, but they decided not to share with me some important elements; they used this against me during the hearing but didn't bother to share so I never had a chance to explain and provide any evidence to dispute. Now the DBS have this other statement I am going round in circles not knowing what to do. Thanks for reading I hope it makes sense
  5. Hi, Does anyone have any hints/tips on writing a character reference to be used in a disciplinary hearing? Thank you
  6. good evening, I have employed the services of a HCEO to recover money owed to me by my former property management company. The company paid a % of the debt and entered into a payment plan. They have since failed pay anymore money and are not responding to letters/telephone/visits from the HCEO. Any suggestions as to what i can do to progress this any further and faster?
  7. Hi everyone,hoping for some help and advice if possible? I returned to work after holiday to be told "somebody has put a grievance in about you, we will have a meeting now to sort it out,you'll need to get a witness" No notice nothing in writing.Went to meeting to be given an envelope which contained five screenshots from my facebook profile.some of them mentioned about how unhappy I was at work. I asked them to tell me what I had done wrong? they couldn't answer me as to what I was specifically being questioned over.no social media policy is in place at work,my workplace is not mentioned or used anywhere in my profile,and only some family and some close friends know exactly who I work for. they suspended me on full pay while they investigate.had a letter 3rd oct saying a disciplinary meeting was set for 10th oct,to answer to a gross misconduct nature allegation. I wrote back and asked for all evidence,statements etc to be forwarded to me by return post.as of now 16.45pm still not had any response. what do I do now and what should I do at the meeting?
  8. Wonder if anyone can help with my situation please I am a bit unsure what to do. Just over a year ago I (stupidly) took out a logbook loan on my vehicle for £1360. The repayment agreement was £40.11 per week for 156 weeks. The idea was to use it as a short term loan and settle the balance off a couple of months later avoiding the ridiculous interest rate for keeping the loan for the full term. (£6257.16 repayable). Unfortunately circumstances changed I lost my job and was unable to do so. I kept up the payments for 11 months until July 2014 and have repaid in total £1407.69 to date. The payment arrangement on the contract states weekly however I was told I could also pay monthly- which I had been doing since the start of the agreement. Due to loss of employment in November 2013 and again in July 2014- I fell slightly behind on payments. 6 weeks behind- which is not even 2 late payments when paying monthly. The logbook loan company at both these times instructed high court enforcement officers to attend my address to recover the vehicle. I explained to them on both occasions that I was not even 2 payments late and only £240.66 in arrears and they left after 30 seconds with no further action. After the first time I gained employment again quite quickly so was able to bring the arrears up to date. In July- I contacted the logbook loan company to try and set up a reduced payment plan that I could afford whilst unemployed. They were extremely unhelpful and refused point blank to accept anything less than £30 per week- which I started to pay weekly. I requested a full statement of my account to see exactly how much I had left to pay and the settlement figure should I somehow be able to settle it off once I gained employment. Upon receiving this- I noticed that they had added on extortionate charges for instructing the high court enforcement officers on 2 occasions. All they did was knock on my door speak to me for 30 seconds and then leave. No recovery action or any other action was taken. Yet the logbook loan company added a total of £900 in "recovery charges" onto my account despite nothing being recovered. Obviously I was unhappy about this and after much discussions getting me nowhere told them I would stop repayments until they removed the charges from my account. They refused- instructed a solicitor- and I now received from them a county court claim through the post with a "return of goods hearing" to take place in 4 weeks time. The claim details the full £6257.16 repayable for the full term of the agreement minus the £1407.69 I have paid plus additional costs and interest of £900 bringing the total to £5793.96. I have no idea what a return of good hearing entails- or what my best course of action is. Can anyone help?
  9. Hi, I was caught on London bus on June .. for using rail pass issued for my friend .. later I got summon to appear on court this 30 , Sept .. 1. for using the pass issued for another person 71 b 2.contrary to section section 25(3) I'm a mom of 2 young children,trying for job and don't want to end up with a criminal record on my name I tried calling tfl in this numbers several times ..(02070279158,02030543595,02030543825,02030544374,02030545522) cant get them (I aimed to convince them by pleading guilty )..please help ..please help .. how can I avoid criminal record ? _Chida
  10. Hello All - Ist time post. In seeking further disclosures from the Respondent prior to ET, is the correspondence to and from them able to be discussed at the ET hearing?
  11. Hi all I'm new to this forum and i'm looking for help. I have recently became an owner of a ccj on the 29th july 2014. The debt is with shop direct for a total of £4009. The ccj was issued at my old address which i havent lived at for 4 years and 9 months in england. I now live in scotland. I contacted the court to get the judgement set aside on the grounds it should have gone through the scottish court and if it did then my defence would be its statute barred. The default date of the debt on my credit report is 23/05/2009. The date the claim started with the court was 26/05/2014. It just comes under the statute barred by 3 days according to the credit report. I can see bw legal search my report numerous times before the ccj at my new address in scotland. I have the hearing on 10th september 2014 can anyone offer any advise? I have sent a letter to bw legal for my credit file using a template also i have sent the statute barred letter. Do you think bw legal will turn up to the hearing? I will be travelling from scotland in the morning and i am nervous. Can they adjourn the hearing on the day? Thanking you all in advance
  12. morning Firstly I have mental health issues, I was on DLA full rate care and mobility until around 2 years ago when it all stopped suddenly I went to court to appeal but lost the appeal I am in the ESA support group. I have been seeing a mental health worker for a few months during which time my arrears have built up. i don't open mail and can't cope basically i owe just shy of 80,000 to Kensington, I have a court order in place from 2011 which stated I have to pay £9 per month off my arrears since march I haven't managed to keep to this the DWP pay £155.44, per month expected payment £200.20 £9 off arrears court order i was upto date although in arrears if you see what I mean til march/april as an idea i was 969 in arrears 01 01 2010 i reduced this to £321 at its lowest in feb of this year but has now crept up to £591 they have charged me £50 per month monthly arrears fee they charged me £60 for a field agent who knocked on my door unannounced but I cancelled the 2nd visit they have charged almost £2000 court fees and solicitors costs between 2011 and 2012 what can I do I feel I can't fight any more the hassle they give me when I ring and the way they are so argumentative puts me off ringing to sort things out I feel suicidal right now because of this The council have sent a letter giving me the names of 2 solicitors Where do I go from here court hearing 2pm monday I actually don't have a penny so can't make a payment my income is £162 per week from this £19.45 deductions for gas £21.65 for electricity £38.86 for housing costs which forms the DWP payment £8.70 for water I have £130 every 2 weeks to live on I am single thanks and any advice on where to turn to would be greatly received
  13. anyone had to go here before, if you can advise what's the best way to get there ie car or tube as it's going to take me almost an hour to get there by either mode. just trying to keep the cost of getting there as low as possible and as convenient as i can. travelling from east london closest station is upton park slightly longet to get there by tube than car but i dont know how easy it will be to find parking there. thank you your help is much appreciated
  14. Hi, I'm not sure where to start with this I suppose first thanks for looking and I appreciate any advice you can offer I will be as brief as I can. When my dad passed 4 days after my step sisters mother landed on my door step demanding 50% of his estate which had been left to me in his will. I of course refused since she was an ex wife of approximately 20 years but my step sister (who dad hadn’t seen for years, but paid CSA till she was 18) said she had grounds to contest his will. My Farther also had an insurance policy for around £20,000. She wanted the lot but I was advised to offer her £15,000 to avoid going to court and she accepted. I was advised that dad’s debts come first so I used the money from the policy to clear some of them leaving a mortgage and few credit cards to pay off. After a lot of messing about getting buildings signed over it was finally late 2013 all buildings where signed over and in December we had the bank onto us saying that they would give us till April 1st 2014 to sort out the money for the house we are living in that my dad mortgaged for us or they would take it back leaving us homeless. We have been unable to secure a high street mortgage to pay the amount owing on the house and now my sister too. We did get the go ahead on bridging finance to cover the cost of the house pay my sister off and clear off my small amount of debt to be able to have a better chance at a High street mortgage to put me back on track. Which we are in the process of finalizing now. My sister (or her legal aid solicitor) has taken me to court for the £15,000 which is the main reason I’m here. The court suggested I apply to stay it. I’m unable to get representation as I really can’t afford it at the moment with everything else on my plate with the completion of the bridging finance close their solicitor has informed me that trying to stay it giving me a bit of extra time is doomed to fail and I should withdraw my request saying loan is imminent I have a stay hearing tomorrow and I have no idea what I’m going to walk into if its just talking to the judge or am I going to end up being bullied by a solicitor? Thanks again in advance for reading. Sorry she didn't contest the will this was a settlement she wanted and this hearing is because she couldn't wait and has applied for a CCJ this hearing tomorrow is to set aside the CCJ
  15. Help please: I have 5 days left to submit my witness statement to a claim initiated by my ex-landlady that we failed to honor the surrender of terms agreement and claiming for £2000. The conditions of the Surrender are as follow: a) That we pay £500 by March 15, which we did pay by March 14 b) A further £500 by March ending. We weren't able to physically pay this but we mandated the Deposit scheme to pay her the amount from the £1000 deposit. This instruction was obeyed and she did receive the £500 although by early April c) Property is given back in accordance with the terms & conditions of tenancy agreement. The property was given back to the best of our ability but the agents observed some repair issues. We were able to accept some of the repair issues and paid £240 but we vehemently disagreed with some. In my statement I have given a chronological state of events but I want to be sure I stand a good chance in front of the judge. Please what are the key legal details I need to include in my case to proof that we DID honor the surrender of terms conditions:???:?
  16. Well I'm hard of hearing. My bank insisted on telephoning me on numerous occasions despite being told of this and being asked to stop. As a result of this I raised a complain against them using the complaint procedure. The first letter I received in response to this, an acknowledgement finished with the line "if you need to speak to someone in the meantime, please call us on the above number." I'm hard of hearing and supposed to do this how? I went into the branch to complain further and they apologised and told me I'd have to come into the branch. Not sure how this is equal provision of services??? Second letter from the bank apologising for not dealing with my complaint in a timely fashion again mentioned telephoning them quoting the number at the top of the page, or alternatively writing to them (which would take days to be read). Finally I received a call which left a message on my voicemail. I couldn't hear this. As it happens I was visiting my parents so my father listened to it later and then it turned out it was the bank. I went into the branch near my parents who were unable to tell me what the call was about. They did however put a note next to my account for me to NOT be called. The following day I received another call from the bank leaving a voicemail. I was still with my parents so my dad ended up calling them, which given I'm a 36 year old male is a humiliating thing to have happen. It turned out it was the complaint department wanting to speak to me on the phone about my complaint of being hard of hearing and unable to speak on the phone. They insisted on speaking to me, and my father kept telling them how stupid they were. In the end they suggested that they ring his landline as I would be able to understand them on that phone. They then spoke to my father more, insisting over and over again to speak to me as it was the only way to handle my complaint. After ten minutes of this my father finally persuaded them to send me a letter instead. This letter which I have offers me £50 compensation and suggests I pay for a typetalk system (although typetalk lacks full access). At the bottom of the letter it says "I will be very pleased if you call me personally on one of the telephone numbers followed by my identity code... " I can do this how. I am hard of hearing!!!!!!!!!!!!!!! So anyway I now intend to begin proceedings against my bank for breaching the laws with regards to disabilities and equality. Beyond any advice people can offer (I'm fully up to speed on the law but would welcome experiences people have), my main question is pretty simple - just what sort of level of damages should I claim. Is there any case law someone can point me to on this? It goes without saying it's completely unacceptable to insist a hard of hearing person uses a telephone, which the bank has done throughout my complaint and this is what I will be taking them to court over.
  17. Hi Guys need your help soonMBNA card £7k. Assigned to Aktiv Kapital now in CCBC. I have done the acknowledgment of service online. I need to do the defence. MBNA initially offered a settle figure which was half the amount of the account. I couldnt pay at the time and still cant pay it all. I offered Aktiv kapital a lower sum but they wont agree and now have gone to CCBC. Aktiv kaptal have harrased me for some 6 months with daily phonecalls and voicemails. They use blocked number, unknown numbers , mobiles etc. They then sent it to soeone called Tempus solutions who did they same.What are my optionsThanksFreemason2012
  18. Hi I am about to seek legal advice with my problem, but thought I would post on here first. I was suspended on the 8th July following an anonymous letter alleging inappropriate posting on a social media site, this hinges on privacy setting's, but I can prove that they where in place. My main concern is the process... I have been accused of gross misconduct and the disciplinary hearing is at the end of this month. The paper work says I was suspended on the 5th not the 8th, I had an investigatory interview on the 24th July, and didn't receive the minuets until the 16th September, to amend and return. Two days later I received the disciplinary papers dated the 1st Aug!! The letters also refer to our meeting on the 29th not the 24th.. I know it sees like picking at straws, but as the "person on the Clapham omnibus" it does seem a bit messed up, and something as important as this needs to be right. I have worked in my role for over 10 years, and its a local authority, and would welcome others thoughts...
  19. Hi, I'm currently helping a relative defend a case that was filed against her from an estate agent who carried out unsafe works in her property at the beginning of the tenancy. The Claimant is represented by a solicitor, and my relative (Defendant) is litigant in person. Both parts provided written evidences and witness statements to the court but the Defendant received two weeks ago the court letter ordering: - The case be listed for 06 June 2014 with a time estimate of 1 and half hour - The Claimant to file and serve a reply to the defence at least 3 days before the hearing - Claimant witnesses to attend to give evidence Also, can the Defendant ask to the court : a) the Claimant to file and serve a reply to the defence at least 14 days before the hearing? b) A further 1 hour for each claimant witness in order to allow the Defendant to question them accordingly [as we believe the Claimant is going to provide fake witnesses and also commit perjury (the Claimant has never talked about any witness in his statements)]? Thanks
  20. A friends daughter is being told that she has to travel to Burton on Trent for a court hearing re TV licence. She is being told that it cant be heard in hanley which is a combined county/crown court is this correct
  21. Hi, I have sold my house due to being unable to pay mortgage wife leaving me etc, but I have about £9,000 in arrears it is only a couple of weeks away from completion but the lender wont wait and has issued repossession hearing in about 6 weeks time. I could exchange contracts any day now advice on stopping the hearing please and what happens if the lender is paid off before hearing? Thanks in advance for any help or advice
  22. Hi Guys, Firstly I would like to thank all the contributors as the forum is really useful, I was panicking until I came to CAG last night. I am helping this for my Mum who is being a victim of these DCA as she being chased for same account by several DCA. She has no income just a mortgaged property with 2 charging orders from 2010(default judgement) which after reading this forum I would apply to set aside late but first thing first. The CCJ was issued on 20-02-14 for 23,070 including cost interest and fees. The interim charging order was issued on 25-April-2014 with interest being charged at 8% p.a I got delayed because I was in the process of getting a LPA from my mother to deal with these DCA myself. I have already sent the N244 application and requested the court to transfer thsi to my local court hearing is on the 02-06-14 and have been told that they will put this to the judge so he could decide. I need urgent help with the defence and dont know what will be best as my mother does not recognise the debt the agreement date is 05.03.2007. This coudl be Statuary Barred and/or unenforcable my mother is sure she never signed any agreement physically.
  23. Hello, I'm nervous, stressed, not sure what to do, desperate,etc. I have worked at ? for more than ten yrs. The firm has about 1000 staff. I'm not in a union. Cut long story short, after disciplinary hearing last Thursday, got mail yesterday with a new witness statment. The statement about half a page of A4 got me mixed with the other member of staff, saying that I was pushing and shoving whilst the other person was sat down at the computer. It was the other way around as I was sat down being pushed and shoved. I rang the manager yesterday, he said "it does not matter as the witness just got you two/names mixed up (he has signed the statement). Towards the end of the witness statement the witness got the names right. I was told I was getting the sack based on the witness statement plus exchanging emails with the attacker using the company computer my working hours. My question is, if I get the sack, the mixed up, signed statement, would it stand in court/industrial tribunal? I had a witness but he was in another room and could hear me saying loudly get away from me, leave me alone, go/etc/etc - he did not see me get thrown off the chair but heard voices and did not want to get involved so never came out but has kindly given me a signed statement. That workers is a contract workers and not employed by my firm and the mangers said his acount was not "eye wintess, so taken into acount, not want to interview him as not impoatant." So, as most likely I alone will be fired I think, do I have a case re the witness statement that is flawed and the company refusing to interview my witness and saying thay have taken it into acount but basically not an eye witness. I'm desperate as it's very hard to get another job with my lack of skills and age. Thanks
  24. I have been employed with this company for approx 2.5 years. Today I was called into a meeting and told I am facing a diciplinary hearing Monday for excessive internet usage. Now I do use the internet at lunch times, social networking sites etc are blocked so normally news and shopping (amszon) we are allowed online at lunch btw and I generally have a busy day with little time to play online otherwise in any case. I do sometimes leave the browser open in the background if I forget to close it after lunch, but this does not explain the "evidence" of what I apparently am surfing at work. I have yet to receive the full file, but from what I can gather and was confronted with, my PC is accessing the home page (I see no other pages listed than home) of an adult website even when I am nowhere near my PC. I can prove on several instances that I was nowhere near my PC when I "accessed" this site and for about 15 occurrences actually have photos on my phone that proves I was out of the office. I have no doubt once the full file has been received that I can disprove more of the allegations. However, it is a website I did visit a few weeks back on the company laptop (no porn it is a forum) in my own personal time (stupid I know, my PC was defragging and working like a three legged donkey) but I have never ever accessed it on my work PC during working hours knowingly. My question is, where do I go from here, what do I need to do to prove that on a regular basis my PC was doing its own thing, and how is it even possible that my PC is accessing websites without me knowing it and being my the PC? The browsers are Google and internet explorer, and I counted about 270!!!! connections in one single day! I am dumbfounded as that is a forum I use yes, but on my phone (smart phone which connects to the work wifi yes but that should not tie back to my PC, and I do not use it apart from sometimes at lunch on my PHONE not the PC, in any case I would have thought it be automatically blocked as we cannot even access something as basic as hotmail from the work PC) I am confused and worried, if anyone has any advice, then please help me out here. I have already checked my browser history and found none non work related access in my history in Google during work hours (I checked under settings, and web history) but my ie is set to delete history, cookies etc on exit, so had no luck trying to access those entries. Thank you in advance.
  25. Guest

    ESA Appeal Hearing-Advice

    My wife is in her second year of claiming ESA. For the first year she was placed in the Support Group. In October last year she had her second medical assessment and, despite the fact that her scores from the medical descriptors have increased and they have agreed that her medical condition is getting worse, they have now moved her to the WRAG. We have appealed this decision and now have a hearing date in April. We have a letter from her consultant outlining her condition and stating that at this time she is not capable of full time employment due to the severe discomfort her condition causes. Also, as her husband I believe I can give evidence at the hearing stating what I have to do for her etc - is this correct? If so, what is the best way to present this evidence and what should I include? Would a written statement be the best way to go? Also, what other evidence should we consider? Many thanks for reading this any help you are to give. Best wishes BJ
×
×
  • Create New...