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  1. A teacher who drove into an airport worker following a row over a new £3 drop-off charge has been spared jail after a judge said he agreed the levy was an "absolute disgrace". Graham Benbow, 55, flew into a rage at Manchester Airport when he was told he would have to pay a fee for dropping off a passenger at a departure terminal. An airport official tried to stop Benbow from driving his Mazda through an open barrier but ended up on the car's bonnet before he was carried along a road for several hundred yards, Manchester's Minshull Street Crown Court heard. Benbow, a psychology t
  2. CAN ANYONE WHO READS THIS PLEASE GIVE ME SOME THAT IS CORRECT AND FACTUAL BECAUSE I HAVE TO HAND IN MY DEFENCE FORM AND EVIDENCE TO THE COUNTY COURT TOMORROW. This is something I think everyone should read as it may help you defend a sec 21 and eviction. I will give as much information a possible without it becoming to long to read or confusing. I will refer to the Landlady as She or Her. In August 2017 I moved into a self contained unit in a house that had been converted to 6 flats each with electric meter, bathroom, simple kitchen unit but still classed as a self contained studi
  3. Hi All, I have recently (in the last two days) been subject to a second hearing for possession of my home by Swift Advances. We've had two hearings. First hearing the CC judge ordered that we investigate the excessive interest on our account and get clear explanation from Swift as to why they have charged an account management fee every month since the year 2007 to date--totalling £5267.00. We investigated to the best of our affordability to no avail. However, Swift advances made a statement over the phone to me (i quote) "We at Swift will never charge you a fee as long
  4. I am currently in dispute with a builder over a patio - there have been several attempts to remedy the situation over the past 12 months the patio has been re-laid but there are still significant issues. Last time the builder was on site I unfortunately swore about the situation not directed at the builder. The builder became very aggressive and intimidating - shouting and swearing at me. I asked him to leave the house and he continued. Fortunately, at this point my wife came home with my daughters and she could hear the builder shouting from outside the house.
  5. Major crackdown on abuse of 'debt' judgement by rogue parking and utility firms is announced Ministers will pledge action on abuse of county court judgments by rogue firms Anyone who has had a CCJ without their knowledge will have it removed The Govt plans to immediately set aside all backdoor CCJs for those who can prove to a judge that they did not know about it when it was passed. http://www.dailymail.co.uk/news/article-5214075/Action-debt-judgement-rogue-firms-abuse-announced.html
  6. I attended a small claims hearing and I was extremely anxious. I also suffer from ADHD with exasperates the anxiety by x10. I told the court usher about my adhd and asked for it to be passed onto the judge for his info (also so that if he does not know what adhd is, he can google it). After about 3 hours of waiting, I finally went in. I was trembling with the stress of waiting all that time! I asked the judge if we could speak alone for a moment as I wanted to discuss a private matter (I wanted to explain my ADHD had turned me into a quivering wreck and why that was
  7. My partner has Autism and OCD, this was not taken into consideration at any point of the Court Proceedings, does this constitute to an unfair trial ? Is it against the rules to have the Same Judge at your Appeal hearing, as at your original trail, in the (secret) Family Courts ? If other rules were also breached, causing an unfair trial, can I subsequently take any action in respect of these ? Any help or advice would be much appreciated. Many Thanks
  8. 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 regardi
  9. I started an important thread earlier today concerning a recent court judgment where a debtor was ordered to pay £7,000 in costs after losing his claim against Harrow Council and their agent; Newlyn. The background and Judgment can be read by way of the following link: http://www.consumeractiongroup.co.uk/forum/showthread.php?477808-Paying-the-creditor-direct-to-avoid-paying-bailiff-fees-has-landed-a-debtor-with-a-%A37-000-cost-order.(32-Viewing)-nbsp To ensure that the original thread does not go 'off topic', discussions about the judgment can be posted here.
  10. Hi folks - first post, as I'm somewhat annoyed/concerned that an issue I thought had been dealt with has reared it's ugly head today. Long story short, I used a parcel booking service to pay to ship a cardboard bike box overseas in October '16. This was all fine in terms of goods arriving, until I received an e-mail 11 days later stating my parcel had been measured by the courier as bigger than the stated dimensions and therefore I had underpaid by approx £50 for the volumetric weight. The service I paid for cost £30 so as you can imagine I was less than impressed!
  11. Had a blue form sent a month or so ago which was issued by the court, filled it out offering repayments today had a letter saying I didnt send it back and I now have to pay in full the 3000 pound... which of course I can't. No I didnt send it recorded which was stupid but I did send it what can I do please? I didnt send the form back to the court I sent it to the claimant was this wrong ? I sent the blue forms to Shulmans Ltd
  12. Hi All, a few back ground notes. I bumped into a friend who I had not seen for a number of years due to moving out of the area. We reminisced of days gone past when he told me that he had just been in court for a hearing to get his invoice paid of a debt collection company (DCC) who had never produced any documentation to back their claim up. he sent them a unilateral contract based on performance. If they sent him evidence to back up their claim then this would be outside the unilateral contract and would not be chargeable. Send him anything else then it will be charged
  13. Do all warrants of execution or warrants of distress need to be signed by a Judge? If they are not signed, are they lawful for an Enforcement company to execute.
  14. Hi, I am looking for a little advice. I received a claim form from the county court business centre from the claimants Pra group. I then completed a CCA request and CPR request, which the claimant and their solicitors did not fulfil. I filed my defence, and was updated by the claimant they would provide the documents in due course. The claim was then allocated to the small claims track, and mediation was offered. I had to refuse mediation due to not having all the documentation, which the mediators recommended. Within two days the claimants solicitors sen
  15. Hi, I don't do Facebook so I have started a thread on the MoneySavingExpert forum - The Acenden (administered mortgage) Escape Committee in the section called "Mortgage Free Wannabe" (I can't post links here yet). - Acenden have apparently recommenced selling mortgages on behalf of their new owners. Do join me there. I will post more information on that new thread in a while, eg about the danger signs that indicate that Acenden means to repossess. Everyone's case is unique but there are things we can to help each other get clear of these cowboys.
  16. Hi all, I think I'm in quite a bit of hot water with this attack from PRA Group I've following the advice from other contributors in here & been through all the necessary communication with this DCA's solicitors & although very late in the day they have provided all that the court ordered them to evidence proof of debt, correct legal assignment etc. I was wondering if anybody would be willing to cast an eye over the evidence provided & comment on whether it is all in order or if there is perhaps any legal grounds to which I can defend myself in this claim
  17. Hi , I am writing this on behalf of a friend. Original CCA request to M&S in early 2013, not complied with and an application form received , ( and more card 2004. ) This was passed to First Credit, my friend had housing issues so did not become aware of the correspondence from them until a claim form from Northampton. I helped her with the defence, no CCA. I spoke to the legal dept at First Credit as friend received another copy of the Application form, and they say they have now complied with the CCA. The 'Lawyer' from first Credit said they b
  18. Have just recevied letter from MBNA saying that they are are starting legal proceeding with a company called Optima legal. I have just been sent A tottaly uncompliant copy of what mbna claims is the original credit agreement . They have already started defaults on me. any advice.....:D:D have been sent a letter from mbna threating legal action with a company called optima legal... anybody had any dealings with them before ????? mbna has taken three months to send me a bad copy of my application form with tiny terms on the back :eek: anyone having the same problems of constant pho
  19. Hi i have had a similar experience with a child minder She took me via MCOL to a county court over a debt the claim was struck out but now she has instructed bailiffs.(correction -a dca - DX) What I need to know is if the claim was struck out how come she can instruct bailiffs , has she broken any laws in doing so and can i now counter claim?
  20. Hello, please can someone help/advise me regarding an old MBNA/virgin card taken out by my sister in 2003. She had to take reduced hours and was unable to maintain payments with the account defaulting in 2011. PRA have purchased the debt and have Judge & Priestley dealing with it. When I've looked at the paperwork sent, an application form and terms and conditions (I've attached the documents sent). I believe that the agreement does not contain the required prescribed terms and as it was actioned prior to the 2007 amendment it is an improperly exe
  21. Hi I'm helping a friend with a claim made against her by Judge & Priestly in relation to an old MBNA debt. We are at the point where J&P have sent the court pack to her (and the court) but they have admitted in their witness statement that the agreement they have provided is a reconstituted one "A copy of the reconstituted credit agreement and accompanying terms and conditions Is exhibited herewith as exhibit ***" The agreement was taken out in Feb 2006 and appears to have been done online. We submitted a holding defence as they failed to comply with CP
  22. Hi, I have a legal issue with a company that is refusing to serve paperwork in regards to their claim. The judge ordered the claimant to serve a 'reply to the defence' by today or the claim will be struck out. The court or the defendant (my company) have not been served. 1. Can I ask for costs? 2. Can the claimant reissue a new ccj? Any help would be appreciated. Thanks
  23. Had a civil case and lost with the judge ordering me to pay loads within 14 days. Sent in N245 variation request complete with tax returns showing my losses, bank statements showing my constant overdrafts and the stepchange printout detailing all my credit card debts. Judge decided that the application for instalments be dismissed on the basis that the judgement sum cannot be paid within a reasonable time. (I did tell the creditor I had no money but he didn't believe me) I really have nothing I can sell and no-one I can borrow from (who'd lend me anything) so now I am worried th
  24. Form 4 complaint: Burnley County Court: May 2013. His Honour Judge Butler This particular Judgment is very serious indeed and it being posted as it is in the public interest to do so. Firstly, the contents of the Judgment are vitally important but, as can be seen from the top right hand corner, all 3 pages have been copied from a particular website. It is sadly the case that the website in question have continually claimed that it is a "myth" that Courts have ever ordered claimants to pay costs if a Form 4 Complaint is dismissed. This is all the more serious given that thi
  25. I don't know if anyone has seen Parking Prankster's blog showing a court transcript concerning Parking Eye:- http://parking-prankster.blogspot.co.uk/2014/01/parkingeye-v-clarke-transcript-donated.html It makes interesting reading, especially this part:- "At the moment, as it seems to me, we have a rather bizarre situation where the present Claimants [ParkingEye] make no money apparently from those who comply with the terms of the contract (unless they receive a fee from their principals) and make their profit...from those who are in breach of their contract. Well, that can
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