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  1. Hi Guys, Today i got a letter to say welcome finance has won the court case and i need to pay full balance of £5000 even thou i got a loan of £2000, I did apply last month online for to hold it off for 28days but as i'm getting redundant and getting all stressed but i have to do 4 week notice period i cant afford the full balance is there a way i can get round this and pay little bit till i get another job? please help im stressed enough,
  2. Hi, hope someone can help. This is in regards of a 'stayed' case from August 2016 Via the County Court Business Centre. Cabot/Restons At the time I requested documents those being: 1. Agreement/Contract 2. Default Notice 3. Assignment These never arrived within the period of 12 days, then a further 30 days. I went on to deliver my defence and ultimately the case was 'Stayed' Present day: I have just received a photocopy of a credit agreement with spreadsheet statements from Cabot who now which to 'discuss the options available for this account.' My initial concern is the photocopy of the agreement, in that it has clearly had something stuck over part of the section 'YOUR SIGNATURE REQUIRED' with what clearly looks like a faxed signature of who ever was signing off on the agreement, although I am unsure if this is normal practice? Also the spreadsheet is very basic with no opening balance/closing balance or written indication to the amount of initial credit and whether this was increased/decreased over time during the period of the agreement? Per my original request during court proceedings they have not supplied 'Default Notice', 'Assignment', although I'm sure this would be a request I would make again should the 'Stay' get lifted and it goes back to court. Any help in this matter would be most appreciated. Thank you.
  3. My partner is a carer. She has been sent to work for a lady who wasn't equipped with the correct device to keep her upright. She fell on my partner and my partner suffered a back injury leading to incontinence, pain and time off work. We took the case with xxx LLP, who wrote a letter to the employer and got a response, offering 4000 pounds as final settlement. xxx advised us to reject that offer, saying, over the phone, that we can always fall back on the 4000, but they believe we can get much more. Since then, my partner has been to Royal Berkshire Hospital, where the doctor said he doesn't see any injury and any pain she might have is a result of earlier injury. Her incontinence might be an infection (totally rubbish). Now it feels like the case might fall through, as the doctors do not want to confirm her injury and we see the 4000 pounds as a better-than-nothing solution. However, when we WROTE to xxx, they said the offer is off the table and we can't fall back to those 4000 pounds. 1. She will be seeing a doctor from xxx privately to assess her but I reckon a judge might be more interested in an NHS doctor rather than a doctor from an interested party? 2. What can we do in regards to xxx making us think we could get at least 4000 pounds and now they are implying we can come out empty handed? 3. Any other advice regarding the situation in general will be appreciated I will just add that the reason my partner was injured is that she grabbed the falling lady and saved her from rolling down the stairs. And that my partner is truly injured. It took her 2 weeks to admit that she's incontinent because of the shame.
  4. I recently won a ccj against my brother. Once the ccj was given, with a debt of £40k my brother declared himself bankrupt. Prior to declaring himself bankrupt he transferred £30k to a third party bank account (he did not declare this when we were in court regarding the debt he owed me). The Official Receivers found this transaction. We are yet waiting to hear who this money was transferred to, my guess is another sibling. Also he transferred for nil value land and a house in Canada to his now ex wife, who he divorced just prior to going bankrupt. I am hoping these property transactions can be reversed as the total sum for both is around £45k. I am the only creditor so if any monies are received will the receivers reimburse themselves before paying me?
  5. Hi, I have a BW Legal court case going on at the moment. Today I received another county court claim from BW Legal for a different company. This is fraud too. Name of the Claimant ? PRAC Financial Ltd Date of issue – 29/09/17 What is the claim for – 1.The Claimant's claim is for the sum of £300 being monies due from the Defendant to the Claimant, under a loan agreement regulated by the consumer credit Act 1974 between the Defendant and Instant Cash Loans Limited t/a Payday UK under account reference xxxxxxx and assigned to the Claimant on 09/12/2016 notice of which has been given to the Defendant. 2. The Defendant has failed to maintain the contractual payment under the terms of the agreement and a default notice has been served and not complied with. 3. The claim also includes the statutory interest pursuant to section 69 of the County Courts Act 1984 at a rate of 8% per annum (a daily rate of £0.06p from the date of assignment of the agreement to 28/09/17 being an amount of £18). What is the value of the claim? £360 Is the claim for - a Bank Account (Overdraft) or credit card or loan or catalogue or mobile phone account? loan When did you enter into the original agreement before or after 2007? 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. debt collector Were you aware the account had been assigned – did you receive a Notice of Assignment? The account was opened at a different address to mine. I lived at this address about 20 years ago but have moved twice since then. I received a debt collector letter in 2013 for this and I wrote and said they have the wrong person but I did not hear a thing until March this year when I got a county court summons. Did you receive a Default Notice from the original creditor? No Have you been receiving statutory notices headed “Notice of Default sums” – at least once a year ? No Why did you cease payments? I have never made any payments What was the date of your last payment? None Was there a dispute with the original creditor that remains unresolved? Yes, there will be now. I did not know anything about this loan. Did you communicate any financial problems to the original creditor and make any attempt to enter into a debt management? No
  6. Suppressed Cancer Cure-Court Case.19th November Southwark Crown Court near London Bridge 19th November. I keep coming across information here and there about this case and i began to wonder. When something bothers you or begins to best to put it down somewhere. I am just passing the details on for others to have their say. A few details,videos and much more on the link. [TABLE=width: 100%] [TR] [TD=class: Content MainText]9.30am on Monday 19th Nov 2018, to support DAVID NOAKES, as he faces the full wrath of BIG PHARMA's protection racket ... ENFORCED by the MHRA on behalf of Big Pharma & the UK Government! [/TD] [/TR] [/TABLE] [TABLE=width: 100%] [TR] [TD=class: Content MainText] LETTER FROM DAVID NOAKES To conceal GcMAF, the body's way of treating cancer, for another 25 years, the Medicines & Healthcare Regulatory Authority (MHRA) is prosecuting me ( David Noakes) and others at Southwark Crown Court near London Bridge, at 10 am on Monday 19th November 2018. GcMAF is a human protein, a human right, and the king of immunotherapies. It saves the lives of 75% of terminal stage 4 cancer patients, without side effects, at 1% the cost of chemotherapy. If it was put into the NHS it could save 120,000 lives a year, save the NHS £2 Billion on its drugs bill, and empty thousands of beds. It successfully treats over 50 other diseases. We treated 11,500 people; 239 doctors chose it, and 1,400 patients around the world have submitted feedback on their excellent results with GcMAF. If you know someone who has died of cancer, they could have had a 75% chance of life if the MHRA had not concealed, and then banned, GcMAF. Much more on the link,and have your say. LETTER FROM DAVID NOAKES https://myemail.constantcontact.com/Suppressed-Cancer-Cure.html?soid=1102206983512&aid=of7N-wulklU The question seems to be. Bye for now i will follow the court case closely. Tawnyowl.[/TD] [/TR] [/TABLE]
  7. Just a little unfinished business https://uk.reuters.com/article/uk-britain-nireland-discrimination/belfast-bakery-did-not-discriminate-in-gay-cake-case-uk-court-rules-idUKKCN1MK10O A Northern Irish bakery’s refusal to bake a cake iced with a pro-gay slogan on account of its owners’ Christian beliefs was not discriminatory, Britain’s Supreme Court ruled on Wednesday. Just to clarify, I am largely (although not actively) anti religion - best description I've ever heard of religion is that its the real original sin, I think the DUP is a little qualified stain on an already heavily stained political spectrum, and am certainly NOT anti LGBT I simply believe that NO single interest group should gain preferential rights in law over any let alone all other. Wonder if this will be deleted?
  8. With a no deal Brexit looking possible, food and drink manufacturers are taking action. Are people stockpiling at home if they can afford it? https://www.thegrocer.co.uk/finance/brexit/food-suppliers-start-stockpiling-amid-fears-of-no-deal-brexit/571634.article
  9. I have had a problem with the Norfolk and Norwich hospital, in brief I had pains in my chest and couldn't breathe and pain in my left arm and went to the A&E on Tuesday the 8th may in the evening I was left for 6 hours and was told nothing was wrong to go home and take paracetamol, myself and my wife argued that I was in pain and couldn't breathe, I had a chest X-ray and a blood test and was still told nothing wrong so I went home, I had the same pain on Wednesday 9th and Thursday 10th but didn't bother going back to A&E, on Friday 11th in the morning I was at work and had worse pain in my chest and couldn't breathe, and arm was numb, we didn't want to go back to the A&E I went to the walk in centre at Rouen Rd, Norwich, they did an ecg and blood tests and told me something was wrong and wrote a letter with the results of the ecg to take to the A&E at Norfolk and Norwich hospital urgently, I went to A&E again and gave the letter in at reception I was seen straight away and after another ecg and more blood tests was still told nothing was wrong, again my wife argued and asked had they seen the letter from the walk in centre the junior Dr said he had not, when he looked at the letter and my ecg Results from the Walk in Centre his attitude was completely different he thanked us for arguing our case and telling him about the letter and I was rushed straight on the ward and operated on the next day, I had had a heart attack my arteries were blocked and severely damaged the main artery at the front of my heart, I had to have two balloon stents put in my chest my left arm is still numb and giving me lots of pain, my wife had to argue and fight to get me seen, I am obviously very angry about this. I had previous heart problems and told them in A&E on Tuesday the 8th May that in 2013 I had a heart attack and had to go in hospital and have two jump starts to get my heart back in rhythm, I was put on statins Avorvastatin, and blood pressure tablets (Perindopril, Bisoprolol, Amlopodine , for life, and have to be seen every three months no one took any notice, I said to the doctor that I am self employed I don't need a sick note or a claim I just want to feel better, He said sarcastically there's nothing wrong I know it's not what you want to hear but go home and take paracetamol
  10. Forgive my Sherlock Holmes type topic header… I am in desperate need of some advice from you good people in this forum, as I have now hit a metaphorical brick wall. Some years ago I had an EGG credit card. The card had been used and in operation for about five and half years, during this time there had been no missed repayments. Then during mid 2009, the minimum repayments were inexplicably increased by around 50%. At the time it seemed that they were almost trying to engineer a default. I am self-employed and business wasn’t doing so well, so in May 2009 I wrote to EGG and explained this and made reduced repayment proposals to service the debt. I had no responses. After many unsuccessful attempts to contact them and elicit a response, I defaulted on the debt. In December of 2009 I received a letter from Fredrickson claiming that I had failed to make a repayment proposal (although I had done so on many occasions, plus sent them all by recorded post). Then, all went quiet for a long period of time… The first I knew of any sort of problem was when I received a CCJ "Judgment By Default" through the post in 2011. I was totally unaware that there had been a court summons issued to attend Bradford County Court. Not knowing about this, coupled with the fact that Bradford is nowhere near where I live, I missed it all. I then took it to my local court whereby Bryan Carter Solicitors became involved (representing Egg). The judge made the Interim Charging Order final and accepted my proposed terms of payment. Curiously, Bryan Carter Solicitors did not show up at the court, which did annoy the judge, but the rule of losing your case by non-attendance didn’t seem to apply to them – which in itself is bizarre and unfair. The upshot of all this is that I made arrangements to make repayments every calendar month to Bryan Carter Solicitors and this remained in place. I continued to pay this for the next two and a half years. After this time, my self-employed business hit further hard times and I had to cancel the repayments. This was a decision I did not take lightly, but I simply had to stop due to hardship. I informed Bryan Carter, but no response was received. Life carried on and I was (and still am) rebuilding my self-employed business. Recently, I decided that I wanted to resume the repayment plan and reinstate the standing order. On August 10 of this year, I sent a recorded “signed for” letter to Bryan Carter Solicitors requesting them for a statement of the account and asking if their standing order details are still valid. I even asked if they were still overseeing the Egg debt. I heard nothing back from my letter, despite knowing that it had been signed for on 14 August. I then came across articles on the Internet stating that Bryan Carter Solicitors had been dissolved. I am now very concerned for many reasons: During the time of I have been making repayments to Bryan Carter, I have never received a statement (or acknowledgement of monies received) What has been happening to my money? Who has got it? I am still confused how an unsecured credit card debt can find its way to morphing into a charge against my property, but it has happened. Having said that – how do I go about repaying this debt back (and to whom?) or getting rid of the charge against my property? Whom do I have to contact to get things moving again? Somehow, I feel that the finance industry has pulled a few stokes here and reverted to type. I just do not know which way to turn. The original credit card debt was around £8,000. It somehow reached over £9,000 during the court debacle – God knows what has being going on with this debt amount behind the scenes during this hiatus. This is why I need… HELP!!! CITIZEN XYZ
  11. Hello Caggers I surely can't be alone in being in this position, but I can't find any other threads on the subject. I was rear-ended by a third party (very little damage to my vehicle, but her's was a real mess), and I foolishly followed Admiral's advice in using their recommended Claims Management Company (Albany Assistance - I use the term advisedly!). Long story short, they took five working days (spanning a weekend) to do a whole load of unnecessary investigation, and gave me a credit hire vehicle for the duration (nine days total). Given that they were holding my car hostage, this was all outside my control. However, the third party's insurers are refusing to pay up for the excessive car hire charges, so Albany (through one of their partner companies) have issued a county court claim against the third party herself, but as I have incurred the charges, I have ended up as the claimant. Does anyone have any experience of this type of case, and can give me any advice as to what line to take in court (Monday 12th). Maybe transcripts of any case you might have been involved with or know of??? Thanks in advance for any help you can offer.
  12. helping a friend out she's being taken to court about a old cfo loan now mmf now lantern we filed to say we fighting it and asked for all the info you need like credit agreement etc . No response off them defence needs to be in asap. But not sure on this what we need to put any help be great thanks . P.s no payment ever been made it's around 4yrs old and also when first took loan out they just increased and increased without a payment in return she also lied about working but never checked.
  13. Hi Oddfellow Bit of a long stretch but we are facing exactly the same situation you have described in this forum. I am super happy to hear that it was settled and I would love to hear any advice you would be able to provide me in order to navigate through this too. Just received a letter from the third party insurance threatening court case action and despite having the legal protection insurance, I fear the worst. Could you kindly let me know if it would be possible to talk about your situation please? Many thanks Gemma
  14. I was in a car crash in October with my husband and our children, the car was written off and we ended up having to pay the entire years premiums within 7 days. We weren't in the wrong, but the knock on effect of an open claim has left us having to pay higher insurance premiums and we were unable to replace our car for months. I've wrote this in depth, but I can't paste it from here, unless somebody else can. I was just wondering if anyone has had a similar experience and if so, how long did it take until it came to an end? My husband, our children and I were in a car crash in October 2017 after a man decided it would be a good idea to turn his head 90 degrees to the left whilst driving at the national speed limit, going around a corner! We were travelling in the opposite direction to this man, when my husband noticed him. My husband drove us completely off the (county) road, to the left and stopped the car. The man then decided to look at the road he was driving on and noticed us, then his instincts told him to swerve his car, head on into us! We were off the road, there was no other traffic in either direction. The road was clear for him, but he ran his car into us on his right!! He started up his car and tried to drive away, but his car made a crunching sound and stopped him. The police just happened to drive by and it was (we thought) clear who was at fault, but his insurance company is big and ours are small, and someone on the drivers side is denying liability, even though the driver had previously accepted it. Our car was written off, car seats were rendered unsafe and we were faced with an insurance bill of almost £1k, to be paid in 7 days, because apparently, when your car is written off, you need to pay the remaining balance to your insurer and we were 2 weeks into our new insurance cycle. We live in an isolated rural area, a 2-hour drive away from our nearest family and my husband had a 2 hours drive to get to work and back each day. 'Luckily' this happened on my husband's first day of our holiday week, so we had a bit of time to try and sort something out. We eventually got a courtesy car, but it wouldn't accommodate all our family and the cost of replacing the car seats was too high for us to cover. Just the cost of getting a courtesy car cost us a small fortune, having to go back and forth (40+ miles) to the hire company and garage by bus, over 4-5 days. We were foolish to think that this would be resolved easily. We were on the right side of the road, the other driver wasn't, simple right? We were faced with the reality that the £1k we'd just paid the insurers, to pay off our annual car insurance bill, was not going to be finding it's way back to us anytime soon and now Christmas and 2 of our kids' birthdays were here! Credit cards and overdrafts were now needed to do the shopping and we were unable to spend Christmas with our family, which had never happened before. It devastated my parents and the kids' missed spending the day surrounded by all their family, like they'd grown up with. I can't drive and buses don't run here very often, and the cost of getting to the nearest town with the kids is over £20 to get there. I wasn't able to leave the house until January, when we were able to buy another car. We have continued back and forth with the insurance company, but it's now June 2018 and all our money went into paying the insurance company and replacing our car. I can't believe that this is our reality! Our insurance company has told us it's now our word against theirs, and we've been advised to back down, but we weren't in the wrong, so we told them no and that we wanted to fight the decision, but that now means that there's no end in sight and that money we paid, will not be returned until the case is closed. We are unable to have a holiday this year, we haven't had one for years, but we'd saved for the previous few years and all that saving paid the insurers and replaced a previously decent car. The kids don't feel as safe as they did and I don't feel like I can keep them safe anymore. This man is still on the road, driving around our area and that's the worst thing. He's a danger to himself and everyone else. I would really appreciate any help anyone could offer and if anyone knows how long this is likely to go on, that would help greatly. I know there are so many more needy cause on here, we have a house and we have staple foods like pasta, so we're not in as much need as those with ill children, so I don't expect or want funds that could otherwise help those causes. I just wanted to share our story and perhaps make a change to the way these things are dealt with, because our problems are very real. Thank you for reading.
  15. Hi guys I will try to simply this A letter was sent to DVLA to try get unclaimed tax fine squashed. DVLA sent 3 letters to an address I've never been known at and my license was never registered at that address. No response means my license was revoked. After filling in a D1 and M1 forms and sending them off, they wrote to my doctor found out I had used diazepam illicitly for three weeks, I've never had a drug or alcohol I didn't even realise the word illicit existed. They are saying that I will not get my license back for a year, not only did they mess the paper work at the beginning their doctor is making false aligations about me stating I undertook a supervised drug withdrawal I was dependant on diazepam what is a lie, the whole statement and the way DVLA handled it from the start shows they have not delt with my matter properly My doctor wrote to them saying there's no concerns she's happy for me to drive my local mp agrees that I should have my license back Any reviews on this matter?
  16. I bought an item from Etsy about a month ago and since I have been going back and forth with the seller because it never showed up. They showed me a proof of postage with my postcode that they had generated from the post office (no tracking) and this sufficed for them to win the non delivery case. The seller and Etsy are telling me it is my responsibility since they can show they shipped it. I am new to Etsy but this is a stark contrast to eBay who hold the seller responsible until they can show proof of delivery. I do not know what to do but file a chargeback which I am feeling isn't worth the hassle for £25 but I am furious! They didn't even try to help or contact Royal Mail or file a lost item case at all. I have asked at the delivery office and nothing is being held for me there or misdelivered to neighbours. Non-delivery can only occur when a seller receives payment and fails to ship the buyer's order. It seems that this purchase has, in fact, been shipped by the seller. If the shipment hasn't been received, it may have been lost or delayed in the mail. We realize this type of situation can be difficult for all parties involved. However, Etsy is unable to hold a seller responsible for shipping delays or errors, as long as the seller is able to prove that they shipped the order. As the seller has provided sufficient proof of shipment, we must close this case. Although the case is closed, you're welcome to work together to resolve this transaction outside of the case system. We recommend that you contact the shipping service for assistance with locating the package.
  17. Hey Guys, I'm following up on some recent developments (though still not confirmed), that a DCA has recently won a claim in Glasgow Sheriff on the basis that a clause witten CCA stated the contract would be treated by English law would be subject to England's statute limits instead of Scotland's. Assuming that this has happened and no appeal's being persued for this case, or if a potential appeal also fails; where does that leave people in Scotland with their devolved rights? Is Scottish the time limit out of the question now for most credit disputes? Is it valid that most CCA's don't properly explain that you'd be derrogating your local statute rights in place of the creditors preference? Assuming Scottish Statute laws are overrided, will this be the same for Scottish jurisdiction laws?..... And will that lead to a slipperly slope where people in Scotland will have to start disputing claims made against them at Northampton County Court? Thanks Guys, all the best
  18. Hi, the driver parked at Walmer Street car park on 8/4/17 and went over the parking time by 20 mins. After 28 days i received the 'Notice to keeper', which after reading online i ignored and any further correspondence thereafter. Unfortunately it is now being taken to court. My argument was that I did not receive any photo of the parking as i or any other driver of the vehicle couldn't recall parking at the relevant car park. I have a court case on 27th February 2018 and just received the Witness statement from Gladstones Solicitors. I have attached a few of the pages, please can someone advice on what i can do. I do notice from the photos the ticket that was purchased states 'Wilmslow Road' which is acknowledge in the statement but the case mentions 'Walmer Street', can i use this in court as my defence? if there is anything else that i can use so i can prepare before the case. If you need any other information please feel free to ask. Any help will be greatly appreciated. Many Thanks
  19. Aplogies as an absolute newbie here, however I was asked to create a new thread. There is another recent thread (I can't post links, maybe someone else could as seems daft to recreate a whole heap of stuff). I am in the identical situation at the same location I have just received an identical letter from UKCPS, all details completely as the above mentioned thread (same paperwork). My wife was driving my car that day, obviously she didn't spot any signage etc. 28 minutes over a 4hr limit..... Disgusted that companies can request such 'fees', she is disabled (was parked in disabled bay, with badge on show) which has left me even more disgraced at these cowboys operate, with no extra time for disabled people.... Question is approach them & ask for 'understanding'? Dismiss? etc etc
  20. Hi everyone, My case is turning quite complex and I would appreciate any support anyone has for me. I will try and lay everything out as clearly as possible... 1) Viewed a property on the 21st of October, and noticed some issues with the property (cracks on the outside walls), we asked the estate agent who said it was just “common shrinkage”. As the current tenants were in with furniture / laundry around we didn’t see the full extent of this. 2) The following week we decided to make an offer on the property, and stated that “this offer is contingent on the following: …”. Our contingencies included: a professional clean, painting over some obvious large internal cracks, resealing mould in bathroom and cleaning the garden. The landlord confirmed in writing to do the contingencies before our move in date. We also asked for an inventory, and received a list of items, before going ahead with putting in our deposit etc. 3) Upon moving out of my rented flat and into the property 6 weeks later (25th of November), we discovered that 1) no work that our offer was contingent on had been completed and 2) Two 12L dehumidifiers had been placed into the bedrooms (RRP: £139.99), alongside 9x mould absorbency gels dotted around the flat, indicating that there was a mould / damp problem in the flat (neither the dehumidifiers or gels were in the flat advertisement, nor were they present when viewing). 4) I have severe Asthma and a mould allergy, and my boyfriend has also been to hospital with a mould allergy in the past, so obviously had we known there was an issue we would not have made any offer on the flat. 5) We immediately got in touch with the estate agent in writing, who stated the dehumidifiers were there upon viewing (not the case). The dehumidifiers were also not included in the inventory we received (although that included kettle/toaster and other small appliances). Irrespective of that none of the work the landlord said they would do was done. In addition, I immediately begun suffering from my allergies in the flat due to mould / damp (asthma, hives etc). 6) Once we were in the flat without the previous tenants’ belongings, we began to see many more issues in there that were concealed by the previous tenants furniture and items on walls (e.g. cracks in internal walls that were concealed) as well as many probable hazards with the flat (e.g. excessive cold, windows not shutting properly, suspected subsidence and suspected penetrative damp / mould). 7) We got in contact with the estate agent the evening we moved in. The estate agent denied all of the above and stated that the dehumidifiers were there upon viewing (they weren’t). There was some back and forth over the next 24hrs but the consensus from the estate agent and landlord was that nothing was wrong with the flat and that we were not misled. We asked to know what would happen with the flat and the estate agent told us that landlord “believed and understood the property was in a fine state of repair from the outset”. 8) After moving in on the Saturday the 25th Nov, and getting nowhere with the estate agent/landlord we decided for our health (mine especially – I had gone through a full inhaler and multiple antihistamines in the 24 hours I had been there) to leave the flat as we realised we had been sold a lie, it was clear the landlord wasn’t going to do anything and we could not stay due to our health. 9) We moved our belongings into storage at the earliest opportunity (Monday the 28th Nov) and went to stay with family so we didn’t have to live there and struggle health wise. We also received an email from the estate agent that the landlord was going to re-let the property with a different estate agent and that we would get 24h notice before any viewings take place. That email was the last we heard from either the landlord or the estate agent. 10) 5 days later we went back to the property and realised we had been locked out (they had used a lock to which we were not provided a key) so could not gain access to the property even if we did want to remain in the contract. 11) We also realised the landlord had been negligent on a number of other things: Hadn’t given us prescribed information on the deposit, had put the deposit in the wrong scheme (i.e. not the one they put in our AST), we had no gas safety certificate, and there was further misrepresentation (said there was a fridge freezer and chest freezer, there was neither). 12) We tried to contact them and were ignored. Finally, we sent a pre-action protocol letter outlining our claim and restating that we were open to negotiate rescission of the contract and our monies paid back. This was ignored. 13) 14 days later we filed a court claim against the landlord which included all the money we paid and damages (around 7k) and also the fines for them not giving us the proper prescribed information (£6.6k) so our case is currently in the fast track (we found out after this may not be the best thing). 14) The landlord is now defending and counterclaiming (we are waiting for the details of their defence and counterclaim in the post but assuming this is for loss of rent up to the new tenant move in date, irrespective of the illegal eviction). 15) One last point is that the MCOL apparently made a clerical error and accidentally discontinued our claim on the 17th of Jan without telling us, and we spent the last week or so reinstating it. I am now unsure of what our next steps should be so any advice on what you think we should do would be hugely appreciated. Thank you all!
  21. My other half is being taken to court by these guys for an unpaid loan from the bank of Scotland the sum is £1680 plus Intrest . Now he's never had a loan with bank of Scotland. But has with Halifax which I believe is all one group now ? . I'm unsure whether to admit the loan or defend . Think the loan company who have it now is central credit . Should I ask them for the original loan agreement or would they have to have this in order to take him to court ?
  22. Hello All, First of I'm sorry if this is the wrong place, please move the thread if it's better elsewhere. I manage a very small esports gaming community and recently have been harrassed by an ex member who has repeatedly tried to regain access to our community and post hateful comments in the game chat over and over. As soon as we've become aware of this we've removed them and banned the account. The problem is this individual keeps buying new copies of the game and rejoining the community to post their vile comments. We banned by IP address but as anyone knows in the IT world this is seldom successful as the user can (and has) use a VPN to circumvent the ban. We are aware of 2 IP addresses they have used belonging to on of the big UK broadband providers. They both trace back to the same geographical area and we have every reason to believe this is correct. They also used their voice in a video made 6 months ago and the persons accent is the same for the area the IP suggested they are located. Recently they've started posting silly abusive YouTube videos and recently posted images into the community in my name of sexual nature including parts of my identity. I've just ignored this for a long time and not responded to any of their comments, abusive emails, videos, crude photoshops etc etc. However recently they began targeting another member who I know to be vulnerable and I've finally decided enough is enough. They have been at this for nearly a year now. Looking at the CAB website it looks like the options I have are both civil and criminal courses. The website says 2 seperate incidents have to occur for this to be considered harrassment. We're well over that number so I have no issue there. I don't particularly want to involve the Police as I have little faith this will help and could cause the situation to become even worse. I have also been the victim of crime and found the Police to be very unhelpful and make the situation much worse. I fully believe this individual who resides in the UK has my home address and I don't particularly want £100s of Pizza cash on delivery to arrive, or Taxis that I didn't order or to be SWATed... I know all three of these happened to a friend who had a similar problem whom the forum assisted me with in the past. So I am thinking the best course of action is to proceed to the civil route and get an injunction against this individual that they must stop this. I'm not looking for monetary compensation even though it has been agreed with my Mental Health Support Worker I could evidence this causing increased anxiety, makes me feel I can't play in my own community and it's a clear cut case of Slander. My exact question is, how can I go about asking their ISP to release the details of the customer concerned. I am well aware that the Data Protection Act would be their easy way of refusing the issue. Is there a particular way I can go about this with the courts by making a request via the courts or direct to the ISP that they must give me the information to secure an injunction against them?? I can see this being a very difficult problem to solve, But I will take it on as I owe it not only to my community members but to myself as well. We banned this member for harassing another member and we gave them every opportunity to stop and were more than reasonable. However as this has gone on for so long I fear I'm at the point of realisation that this isn't going away any time soon. Thanks for reading and I'm sorry to draw out such a long post, but I felt it appropriate to give a backstory. Any advice is welcomed.
  23. Hi me again! SI had a copyright claim against a company last year which was transferred into my local county court on the small claims track. The judge ruled he couldnt hear the case as he knew nothing about copyright. It took him several months but he transferred it to IPEC (intellectual property court) in London. Now the problem is he didnt transfer it into the small claims part of IPEC , he wrongly transferred it into the main court and I am now facing costs of £10,000 against me instead of £120 maximum from small claims I have only just become aware of whats going on regarding the notice of transfer although it has been withIPEC for about 5 months now is it too late to challenge the county courts trasnfer to the wrong track?
  24. I'm Genes1s and a first-timer so forgive me for the myriad of details buzzing around in my head on this. Advance thanks to those of you who add serious value to this site and may feel inclined to offer your opinions. Evening of Monday 23Oct17 my husband bent under pressure and bought me a new Aerolite case from a local store [luggage+shoe-repairer+key-cutter] for my 2-week trip to Miami the next day Tues 24Oct. Really pleased with choice: hard steel grey outer with 360deg wheels where you can pack in both case sides, weight indicator, sturdy handle when horizontal and sturdy trolley handle when vertical, plus a 5-year warranty. Perfect for this trip on my own. Hubby whipped out credit card and, while owner regaled us with his latest St Barts trip, ordered a pair of keys from our house master. Total £85 incl VAT. Case was reduced to £79 from £135. No problem. All processed. Rushed home to pack for 10:30 Delta flight next day. Quickly realised the weight indicator was faulty - would not display let alone work. Too late to buy a battery. gauging the weight was easy: going from 15C to 82F - packed summer wear. Left home at 5am Tues 24Oct for Heathrow. Case checked in at 52lbs and all she did was smile at me and hand me my docs. Sweet. Connected at JFK and had to check in again - thank goodness for the 1.5hrs changeover: if I had to take off gorgeous full-length woollen coatigan, my snazzy ankle boots, belt and bracelets one more time, I'd have made the news. Okay, okay, I'd heard but didnt believe the new security reality]. All good. Case pristine except for a few scratches. What felt like 20hrs later, arrived at Fort Lauderdale to a case with TWO wheels/same side so damaged one wheel was missing and the housing left was destroyed. Looking and failing to find a trolley I walked up to the tallest uniform and asked him for help. He told me to leave my case and he kindly walked me over to Delta office to make a claim. [The Delta chap gave me paperwork, told me to follow-up when I returned to the UK and he manhandled my case outside to a pick-up point bench o/side the terminal]. Great. Brilliant two weeks. On my return via Atlanta on evening Tues 7Nov, my limp case was checked in at Fort Lauderdale airport curbside - brilliant idea - 4hrs early. While processing, check-in staff just wanted me to repeat the word 'passport' while they shoulder-moved to 80s soul music. I obliged. Every time. Case must have been heavier with all those extra clothes. No worries: luggage was travelling right through to Heathrow. Sweeter. Arrived next day approx 10am Wed 8Nov to 11C and a case that was in shock: no wheels. The remaining two wheels were barely attached. Okay. My new Aerolite is now no longer fit for purpose. My Delta claim has been acknowledged but not yet resolved. The store owner was lippy when I explained that his "premium" product did not withstand standard international travel and is preparing a letter for my house insurers. What? My pristine no-claims-bonus contents? Apologies for length, succinct writing is an art. Do I have any other form of recourse available to me? I still feel hard-done-by. Am I being unreasonable, guys? Your opinions are welcome
  25. nowlo everyone, I was hoping you'd be able to give me some advice on my current situation. I really want to keep on top of things. Natwest Loan £2,505.78 Natwest Credit Card £1,686.25 Natwest Overdraft £500.00 for my credit card, or shall I say Triton debt management. At the time I was awaiting confirmation of JSA, housing benefit etc and had no income. They accepted a monthly £1 token payment. End of last month they constantly kept calling me, I answered to shut them up. They told me the first agreement wasn't valid as I had no income and therefore it shouldn't of been made. Said the person that called me was 'new' (like that's MY problem) . I was forced into doing an income/expenditure there and then. Somehow they figured I could afford £7.99 a month . I couldn't, but felt really forced. I agreed. Since then I did a proper inc/exp for myself, and down to bear minimums for outgoings I'm still -£8.99 minus a month. I wrote a letter, which I sent recorded with an enclosed copy of my inc/exp saying I cannot afford the repayment agreed, and as of 5th Sept I will be making a £1 token payment, via postal order for the next 3 months (on 5th of every month), when I will review my financial situation (and could freeze interest). what I'd like to know is, was this right thing to do? What are the chances of them freezing my interest? They would have received my letter a long time before that payment was applied for. I'm worried they can keep applying for this amount. How can I stop them? What rights do I now have? Can they take me to court? I'm using my PPI for the Natwest loan. So that's covered. Any help appreciated.
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