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Found 2,164 results

  1. Hi All, Been a long time since I've been on the forum but need a little advice if possible. I believe I defaulted with Barclay card back in 2010 but I'm not sure of the exact date. Had personal/business problems back in 2010 (actually before if you see my posts) which ended with me becoming divorced. After this point I "stuck my hand in the sand" and ignored a lot of the relentless letters from them (and others) as the recession had wiped my business out and I had far bigger things to worry about. Over the years I haven't heard much from BC seeing as I'd left the marital home. Some letters did go to the old house but were ignored/binned and some of these were from various debt collectors. I know - not clever. I've started to to get a few letters recently from Robinson Way at my new home address that I'm renting (on the electoral role) and even an email to my business email account. To date I haven't replied to them but can't work out how the debt they are chasing for has gone up to £7684, my original credit card limit was £7k I think. As you can possibly gather I'm not in good position with facts as a lot of this got lost all those years ago. I've moved on in life and have remarried and don't want all the relentless hassle these companies make however I do want to fix my credit file. How/should I communicate with them? Don't really want all the pestering of paying them this inflated/made up figure with the penalty of them marking my credit file for another 6 years:evil:!! Thanks guys
  2. Good Afternoon. I was wondering if someone can help me with some questions regarding an old debt I have. About 5 years ago, my mother became terminally ill, I was in full time work and had to reduce my hours to help her as she refused to go into care. At the time I was paying for a Loan from NatWest. I knew I was going to start to struggle paying the loan amount so I went into the bank to ask for help. 3 times I went in asked, each time they either tried to replace it with a bigger loan over longer or just said no. On the 3rd time I spoke to the General Manager who said to stop paying the loan and we will be in touch to arrange a lower payment. I was unaware what this actually meant but did it. 5 Years on I have a default and debt owing to NatWest, However they have got Westcot to manage the Debt which I pay a token payment of £1 a month. Recently a friend told me about the original terms and conditions tactic. I wrote to Westcot asking which they told me they only manage the debt I then wrote to NatWest who have replied saying they cannot find them or have enough data and that the debt is not enforceable however because I'm in default this only stops them not pursing in court. The letter says please continue to pay because it they don't they will use what ever means by the law to get the debt back. They also say the Debt is still Valid and please contact them to arrange payment if I haven't already done so. My question is what do I do now? My Default will drop off soon and I don't want to cause a issue which could stop that happening. This is the only debt I have and its effects my credit score. What should I do? Any help with be greatly received. I have attached the letter.
  3. I can not believe a company as big as Everest can get away with their practices. I’ll be brief, 6 months after from initial installation we have half the house fitted (10 windows 2 doors) ALL badly fitted (exposed cavity walls) damaged brick work, ALL damaged products and no contact From Everest as to when going to be corrected and finish. Having been advised to do so we have contacted and paid for a solicitor to see if we can get released from contract, deposit returned and start again with another company. In a nutshell we can’t unless we wish to go to court and pay 10k plus and not be able to recover our money anyway. Everest sent a letter threatening us that we have to pay them 80% of the 13k regardless of state left in the house. So far we have paid 1.5k, we have a house open to the elements (no water leaking thankfully but have lots of slugs) and apparently nothing we can do. We have to let them in when it suits them (can take another year or so) and accept a fight to get anything replaced or fixed if broken so my question, surely this is wrong and somewhere a law protects us? Going to court we can’t claim solicitor fees and small claims a max £1000 to capped. Need advice or a brianwave please desperatly unhappy
  4. I hope to get some advice here my partner received letters (notice of sums in arrears, annual statement) from Lowell about the debt they bought from Okam Ltd for the amount of £10,785.89. That was shock for me but my partner remembered what it was. It was loan taken in dec 2012 with his ex wife. Original amount was around £3k. They paid as long as they’re were together. Then couple months later she left him but promised to pay for it. Unfortunately that loan was only on his name. That was very nasty divorce and he never thought about it. He moved few times and changed phone numbers maybe that is why he never received any letters from Okam. If he will have any doubts about her not paying he would pay this. We don’t know if Okam send any letters or not. Either she didn’t tell him on purpose or they never send anything. Now debt is in Lowell. And the amount over 10kis just not real for us. He called Okam yesterday and they couldn’t say much about this debt. They have on file that the loan existed but no more details. They said to contact Lowell. he called them. Guy on the phone was not pleasant at all. Tried to take his expenses which most of them my partner didn’t know about them as I look after all the bills. He could only say how much he earns (his self employed) and they told him that universal credit will be taken fully as his earnings as well. Then they calculated that he will have to pay around £480 pm. My partner did not agreed to this and said he will discuss all expenses with partner. Then he called Lowell again and spoke with manager. They offer to call us on 14/02 to find reasonable solution and agree repayments. But tbh I don’t know why from 3k now he has to pay almost 11k. He doesn’t remember when exactly was last payment. Definitely something in the begging of 2013 so it’s almost 6 years. He doesn’t remember how much was already paid. And we have received letter only with the total amount owed. My partner once paid off some phone bills debt (his ex and kids) to Lowell and now they back again. We are not able to pay this. My partner only works. I had to quit my job to look after our 2 years old daughter. We are receiving universal credit. What should we do now. How to deal with Lowell?
  5. Hi I started a Ppi claim with Lloyds a few weeks ago there were 9 old loan account from 1992 to 2000 with Ppi. I should have my response in Aug. But this week I have received 2 letters in the same envelope to old address even though Lloyds have new my address due to claim. One is from Lloyds saying they have sold my debt to asset link the other from asset link. I know there's a Lloyds charge on my old house from 2006 (ex wife and kids live there but my sole mortgage) as its on land registry. Any one know why I've been sent letter? I assumed they would offset against any debt anyway. Any advice on what to do I will upload letter off asset link. PDF Photos 16-07-2016.pdf
  6. Hi Guys need a bit of advice please. I got a Penalty Charge Notice the other day from Wirral Council, I popped onto the website to pay but couldn't get the page to accept my details, thats when i notice that they have put the wrong VRN on the PCN. my Reg is DB12*** they have put DB18*** Looking at the VRN they have put on the ticket it doesn't exist with DVLA When i put the wrong VRN details into the Wirral Parking website i can see that they have a picture of the correct VRN but the picture is just a close up of the VRN and doesn't show the vehicle illegally parked. whats my best way round this?? I was going to log on and dispute the PCN under the grounds of the wrong VRN that is on the PCN within the first 14 days and get the inevitable ball rolling?? or is it best to do nothing for now and wait for them to make the next move? Eagerly waiting your reply's Cheers Steve
  7. Hi, I've been with Brightside Car Insurance for last two years, however my auto renewal wasn't a great price but I was away working and I totally forgot to cancel in time & it was renewed. Luckily I got back within the 14 day cooling off period and called to cancel and asked how much I would be refunded from the first monthly payment taken via Direct Debit (£60)..I realised I would be charged the £25 cancellation fee & for number of days cover provided. The advisor said he could only cancel the policy and was unable to confirm the refund amount & I would have to call back once it was cancelled (the following day) altho he estimated approx £20 ish. However I called today and I was advised that I would actually owe them more money?... I was baffled and asked how & he explained that they as brokers charge a £25 admin fee and also my actual insurance company charge £25 also... I've never come across that before to be honest in the many years I've been driving?? The policy was auto renewed on the 11th January upon which they took payment of £60 the policy was cancelled on the 21st January. I have complained to Brightside & the advisor has arranged a manager to call me back (as no one was available at the time)..altho I'm not holding my breath as Brightside customer service is terrible if I'm honest..long, long waiting to be answered and the usual "robot approach" staff. Thankfully I didn't have to call them often but I was determined upon renewal I was leaving them (just a pity I didn't realise before it auto renewed) I've requested for Brightside to waive "one" of these charges as I really think it's ridiculous. Upon cancellation on the first call I was told I would be charged £25 cancellation & the days cover was provided ..nothing about the other cancellation charge? Has anyone else had a similar situation with two charges? Any help or advice appreciated.
  8. Good evening We would appreciate your advice please. A friend bought a second hand car from a dealer and as she drove it away, she noticed a smell of burning but initially dismissed it because it was apparent that the car had been valeted inside and out and she believed it to be the heated seats drying or the engine maybe drying off from a clean. Over the next few days, the smell remained and the lights, heated seats, rear wiper and other electrical things started to fail. She contacted the dealer who requested she fetch it back but as the issues deemed the car unfit for the road and potentially dangerous to her kids; she requested he collect it. He recovered the vehicle and later advised her that it was due to an electrical plug being 'kicked off' under the glove box and blamed my friend for this and then attempted to charge her for the recovery plus the repair. Having sort some advice; she advised him that under the Short Term Right to Reject under the Consumer Rights Act; she wanted her money back as she had lost faith in him and the vehicle but he has declined and has only offered to pay the recovery as he believes this is all her fault! To date she has advised the DVLA that the vehicle is not hers and the garage (as far as we are aware) still have the vehicle. She bit the bullet and has commenced small claims proceedings to which he is trying to go for mediation because it's free (which we don't believe it is) and she has now received a letter from his solicitor which appears to be designed to scare her. I attach a copy and would respectfully ask for your comments please. Many thanks Lambo
  9. Hi there, I've sifted through a few threads trying to get a jist of what to do. Quite a bit of info, I'm hoping someone can help me with my issues Done a credit report and I've currently 5 defaulted accounts and 1 arrangement NatWest credit card - defaulted balance £984 with a current balance of £785. This debt is paid DD £20p/m directly to Natwest, I've ignored ALL letters from Wescot who manage my account on behalf of NatWest. NW have just written to me this week informing that my account has been assigned to Cabot Financial, to cease my payments to NW and make future payments to Wescot for the foreseeable - Thoughts/ advice on what to do at all? Aquacard - Account in arrangement with CapQuest to pay £5p/m, current balance is £1,200. This doesn't show as a default on my credit file. Notes that its in arrangement Vanquis - account is defaulted with Hoist Portfolio Ltd - this was forwarded to Robinson Way and I currently pay £10p/m with them Current balance £320 defaulted balance was £859 (Dec 2018 6yrs expires) JD Williams - Held with Lowell managed with Fredrickson paying £5p/m. £919 defaulted balance, current balance £504 (Nov 2017 6yrs expires) BT - Debt was passed to Past Due, then Capital Resolve, then Freds. I paid Capital Resolve the debt of £91.05 Freds have this as balance owing when I checked online with them Lowell have a default recorded with the account type being Communications Supplier, default balance £72, august 2015 which I think is the original BT debt Oxendales - Default recorded with Lowell, managed and arranged payment with Freds of £5p/m I have just at the moment cancelled all standing orders & DD's, just want to get some clarity on what to do with them Thanks Shelly
  10. Good evening Guys Please see attached pcn I received couple of hours ago. I think it's unfair because it was momentary stop to pick up stuff from a friend. Any advise on how to challenge this would be massively appreciated. Thanks
  11. Today I checked my credit file for the sheer hell of it. Personally I'm not bothered what it says as I don't borrow money. Made those mistakes years ago and now my file is at zero. However what I did find was a CCJ for £280 issued last October. Whoever the claimant was didn't write to me at my current address despite being on the electoral register and not at my previous one. They sneakily wrote to the old address so as to win by default. I have a very good idea who this, but it doesn't show on my credit file, just a claim number. I am guessing here but I think it may be a debt collector who has been harassing me for years over this alleged debt debt. It was to Orange for a mobile contract which I had never has. ( I was the victim of ID fraud and they did other things too ). Despite many, many letters asking them for proof like the Deed of Assignment, Deed of Novation and a contract that proves I am the debtor and responsible, they have ignored me. To then sue me using an old address when they only wrote again only yesterday to my current one, I find this extremely bad practice that flies in the face of all the guidlines on debt collections. This is just spite of their behalf, nothing more. Today I wrote to that Mickey Mouse court called Northampton business centre where no judge ever sets foot and asked for the judgement to be set aside as I have not been notified and I have been denied my right to defend myself. Also I issued a counterclaim for a considerable sum as set down by a judge in a similar situation where PC World sued a man over a computer and filed an inaccurate and untruth report on his credit file. Now what will happen? Will my set aside be successful as it really is a bit cheeky to sue somebody deliberately using an old address so that you win by default. This smacks of a certain debt collector who we are all familiar with on this forum.
  12. I brought a 3008 Peugeot from hippo motors in July they have me A1 approved warranty for 12 months and that warranty ain't worth the paper it's wrote on I collected the car 21st July from hippo motors from up north got back to London after a few days noticed there was a shudder to the auto gearbox took and had a few other things that needed sorting like CD player which the warranty did sort on the 10/08/2017 after an arguement with them and they tried to refuse to cover labour costs I had to involve the finance company to get them to pay for the work that was carried out but the gearbox never got sorted and the shudder has got worse in 1st and 2nd gear I therefore contacted A1 spoke to some unhelpful person called jack explained the gearbox has a shudder which I reported within a few days of having the car and it hadn't been sorted but was getting worse he told me to take it to Peugeot find out what the problem is and then call them back so I go to robin and day they test it and say it's the clutch or gearbox but won't no until they take the box out for sure so we call this A1 approved warranty back explain it all to jack who then says it will be classed as wear and tear it's a joke people are paying thousands for cars that need work done to them and given useless warrentys that are worthless I have now have to contact my finance company for a 2nd time as I don't see why I should now have to pay £1300 on top of the cost of my car that I have only had a few months I would tell anyone to stay clear of hippo motors in Blackburn and A1 approved warranty both are a con company
  13. Hi all I'm wondering if anyone can help regarding a Single Justice Procedure Notice regarding driving without insurance. I was stopped by the police for having no insurance which they had checked on their database. I have not had insurance for a while as I cannot afford it. I have done my best to drive my car very sparingly, infact have only driven a couple of times. To summarise, my vehicle was impounded and has been scrapped. I received the SJN and have plead guilty within the deadline of 21 days. I did not write anything in terms of mitigation as I feared it might be used against me. I filed my statement of means, which are very small as I work only part time (I am a student). I have a previous MS90 which I got by accident as I never received the SPN for very mild speeding but this charge is now spent. Will this affect the outcome? I am wondering what the likely size of the fine will be? And wether there will be any other consequences such as a driving ban? Thank you in advance for your help.
  14. .. I sent off a CCA request six months ago which has not been provided, the account is in dispute, i have been receiving 'arrears' letters since. My question is, would it help to send back the latest arrears letter with a "No contract. Return to sender" label, or sit on my hands? Thanks Pencil.
  15. Hi there, I was wondering if anyone had succeeded in getting any redress from Aaen Peach. Like many on this forum, we received a quote from hbcconveyancing of about £600 for the purchase of a property. Now we've received an estimate of £1300 (700 of this is fees) and £500 is 'payments to third parties' although about 500 of that 300 is in fact payments to them (making their conveyancing fee £1000 so far.) There have been no issues so far with the purchase of the property (which is under 100k.) Now we've received a letter to sign, giving them the authority to act for our mortgage lender. The language of the Standard Security gives the impression that their exhaustive attention on behalf of our lender is a future excuse to charge us more... Here is their approximate costings so far, Legal Fee £380 Chaps Fee £55 Dealing with Mortgage Lender (Standard Security) £250 Post & Incidental Communication Charges £60 Total Legal Fee 745 and then... third party payments Registration Costs 120 Registration of Standard Security 60 Registration of Advance Notice 10 ... *ahem* Completion and submission of registration documentation £216 ... Completion & Submission of Advance Notice 54 The ... above two are surely conveyancing fees? they were evasive on the phone and didn't go to any particular lengths to assure me regarding a cap, or expected cost. Now I've got to sign this document which may give them greater power to thrust charges at a moments notice. I've got only about 4 - 5 weeks left before handover. I guess I'm just asking for advice, but also, if anyone has been burnt, is there much chance of redress?
  16. Hi guys thanks in advance for any replys, all help appreciated. I received a letter through the post to state that I had been charged with the offence of being the registered keeper of an uninsured motor vehicle. The letter I received was sent to my old address (mums house), stating that I either need to reply guilty or not guilty etc to the above offence. The vehicle in question was my old car that was left at my mums on the driveway for her to scrap/sell, I had moved the insurance from this car onto my new car so at this point the car was uninsured. Due to the car being in the way my mum had moved the car onto the road, I'm not sure whether this is why I have been charged with the offence or whether it doesn't matter if it's on the road etc? Next question is I'm sure I never received a fixed penalty notice for the offence, I pick up my post once every couple of months from my mum address some things I still haven't changed address on, is this a legitimate defence to ask the dvla if they can revert back to this stage as I no longer live at the address so didn't receive notification of the offence and the fine I had to pay ( which if I'm in the wrong I'm happy to pay) If it is not a defence that I am no longer living at the address and the dvla are not willing to revert back to the fixed penalty notice stage what is my best bet moving forward? Shall I plead guilty to the offence and provide this information in mitagating circumstances to the court? If this is the case what sort of punishment is likely for the offence and would this constitute a criminal record. Any help or advice greatly appreciated
  17. name the issuing court: Kirkcaldy Who Is The Claimant: Cabot Financial (UK) Limited, Marlin House, 16-22 Grafton Road, Worthing, West Sussex, BN11 1QP Who Are the Solicitors: Simon Nolan (Nolan’s Solicitors) What type of action? : Simple What is the claim for – 1. on 21/09/2015 the Respondent entered a credit card agreement with NEW DAY LTD under which the respondent borrowed from them a sum of money repayable on demand. The said agreement was an agreement regulated under the consumer credit act 1974.. 2.The Respondent failed to pay as agreed on demand and is in breach of contract with the said NEW DAY LTD. The said supplier assigned all rights in the said debt of £3079.52 is the sum sued for. 3.The Claimants have made frequent requests to the respondent to make payment of the said sum but the Respondent has refused or delayed to do so. date of raised claim :- 20 November 2018 Last Date Of Service:-14/12/2018 Last Date For Response:- 4/01/2019 What Documents are listed in Box E2 1. No defence – No evidence required. 2. No Stateable Defence (rule 4.4 breach) 3. Defence on Prescription- copy statement of account only. (Agreement must be admitted to plead prescription. So agreement not required.) 4. Denial of Agreement – Copy agreement dated 21/09/2015 N.B Generic rule 8 order should never be issued. The facts of each individual case must be considered. It should never be appropriate to have to plead such as assignations or default notices until/unless specific defences are led. The salient feature of assignation is that it does not require the consent of the defender and the averments in this form are sufficient to confirm intimation. Default notices should never be plead due to Omnia Praesumunter Rite Acta Esse (trustees of the Scottish Solicitors Staff Pension Fund v Pattison & Sim, CISH 96 and Trayners Latin Maxims, p419 420) The claim is for a credit card from Aqua BOX D5 what has the claimant stated: The claimants request that the court order the respondent to pay the sum of £3079.52 When did you enter into the original agreement before or after 2007? AFTER 2007 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.:- It is the debt purchaser who issued the claim. Were you aware the account had been assigned – did you receive a Notice of Assignment? Yes Did you receive a Default Notice from the original creditor? Not sure, sorry. Have you been receiving statutory notices headed “Notice of Default sums” – at least once a year ? - Not that I have noticed When was you last payment:- 23 June 2017 Why did you cease payments:- I could not afford the payments, I lost a lot of work and my income went down so low that I was unable to keep up the payments. Was there a dispute with the original creditor that remains unresolved? NO, but I dispute the amount I am being pursued for on the basis that my credit limit was only £1500 yet they want £3079 Did you communicate any financial problems to the original creditor and make any attempt to enter into a debt management plan ? Yes, I offered to pay £10 a week and although they did not formally agree I continued to pay the £10 until June when I simply could not afford it. I have been served with this Form 6A, the simple procedure for notice of claim from Cabot regarding an Aqua Credit Card I had. I have no idea what to do as I am owe money but not £3092, my credit limit was only £1500! Can anyone advise? I only have a few days to respond and dont know whether to ask for time to pay (I have very little to spare, if anything due to my current financial circumstances) or to dispute the claim and stating the reason as being the amount is in dispute... I have filled out the parts requested to the best of my abilities any help is appreciated, i did not realise the date to respond is 4 days from now so im a bit panicky.
  18. Hi, I purchased an induction cooker from a seller on eBay and the eBay listing said it had a 12 month warranty (purchased 13th December) you can no longer see the listing page but they delivered it to me and gave me an invoice with 12 months guarantee written on it and £240 paid (£190 for the cooker, £50 delivery). I was shown it working but they only showed me the front hobs. the first time I used it I noticed that one of the rear rings only works if you push down on it until it gets started and the other rear ring will only work while you push down hard on it (which makes it impossible to cook with). The rear hobs are the only boost capable hobs and boost is the reason I wanted induction hobs. I can only cook one large pan at once as the other large rear hob doesn't work. When I phoned him up about it he said don't worry you have the 12 month warranty (at one point I was told this is a parts and labour warranty, it may have been on the original eBay listing I don't know) and to call him if it got any worse. I felt sorry for him, I don't know why I'm not normally too soft but I said OK. It has got worse, the other day the ring that works normally if you push down on it at the start didn't and I had to cook on the small pan ring which doesn't heat the pan up effectively. it's sort of working again (I have to push on it) but the other rear ring still doesn't work and it means I can't cook two large pans at once. I want him to fix it. He admitted on a phone call before Christmas he doesn't know a lot about induction cookers but said he knows a guy who does and would call me back. I waited a month he never phoned back. The past couple of weeks I've phoned him 3 times and sent him two text messages and he isn't responding or answering my calls. I'd rather he fixed my cooker but if he can't or won't I don't see why I should have to accept a cooker I can only cook one pan on and want a refund. It's my plan to write to him and give him 14 days to respond then try my luck with the online court claim to get my £240 back. I'm on ESA so I think I can claim court fees back? Is this a good plan? Is there anything else I can do? His delivery guy wrote an address on my invoice but I've never been to his shop so I don't know it's correct. Can I ask eBay to give me the address they have for his company to see if it matches? Any help appreciated, I just want a working cooker.
  19. Hi to you all who have taken out loans with this company me also being one I feel we are all same unite here cos we are all similar cases loans done by the company mine has been too trauma to put on here its cost me dearly in my nerves etc I just want to say thank you for saying on here to each and everyone of you I know we all have experienced same things to do with this company, please hang on cos I believe there is now light at the end of the tunnel. BLESS YOU all and try relax , sometimes it just takes one more to move the mountain . I had to remember nothing is impossible is it, release is coming we have to remember its just a loan and yours and my views count , whither its 1 person 2 people 50 people 1,000 plus people with same view multiplication is coming or is not needed because sooner or later it just takes the right place, action, things, people to change things.
  20. Good afternoon CAG, I have been working at my local nursery for 3 years. I started off as an apprentice and then qualified at level 3. Upon qualifying, I have worked for more than a year on their payroll, I am not and have never worked for an agency - I work with them directly. But the persistant problem is, they have never offered me a contract. It is also unfair that newly qualified practitioners got their contracts last month, and I have yet to see mine. Now they keep cutting my hours (cut more this morning) and they have held interviews for my position. I have no disciplinary records, I do my job correctly and I also finish any written work at home. What are my rights? Can they just dismiss me? Thanks
  21. Dear CAG I’m desperately trying to improve my credit rating and therefore checked on noodle.co.uk what my score was and found that there was a CCJ I had no idea about. The name listed is close to mine but both the first and surname are mis-spelt. The claimant was a tenant but I know nothing else of the claim. I have tried to contact him but there’s been response. How do I get this off my record? Thank you.
  22. Hi all just want some feedback with regards to where I stand, I purchased my car in October 2016 from a reputable car supermarket. The car had 103k miles on it at the time and I purchased it for £7000. I took finance through a company and have had the car for 26 months now. I have 10 payments left before car is mine. Today I wanted to go car shopping and thought I would go and have a look at a few cars and see what price I would get for mine. I visited a garage and they began to put a valuation onto my car after doing so the guy came back to me and said sorry we cannot have your car as it has a mileage discrepancy. I am not aware of this I asked to see there hpi report that he produced. In August 2015 it went for mot and had 76k on it. It then went to the manufacturer for whatever reason in Jan 2016 and the car had 126k on it, it then went back to the manufacturer for work in May 2016 and it had 95k then it had a mot in August 2016 at 100k before it was sold to me in October 2016. Am I legally entitled to fight this case ? as though it has been 2 years I never knew of this and if I had I wouldn’t have purchased the vehicle. I am now stuck as no one will buy my vehicle with mileage discrepancy on even though the garage who sold it to me did not declare anything to me. I have all invoices at time of sale and it has the mileage what was on car at time of sale. Any help would be appreciated. Thanks
  23. Good evening and thank you for this amazing forum It is a case for 5k where i am not sure whether to try and point out something or not in the hearing for setting aside judgement I am the claimant. the defendant replied their defence to an incorrect email address and therefore i was awarded default judgment as the court did not recieve their defence in time. the defendant sent an email to one of the ccbaq email addresses which was not the correct email address for filing a defence. in the atutomatic reply it said not to duplicate the email as it wastes court time, so they did not send through their defence through any other avenues. now the other side wish to set aside judgment. there is a hearing soon to set aside judgment their defence is totally wrong as they have gotten totally muddled up. in the past I had had a seperate issue with the defendant which was resolved and their current defence basically says that i had resolved the current case and therefore cannot claim again. so the defendant has muddled up the two cases as it is clear as it is a seperate case which was resolved. my question / dilema is should i try (option 1) stop the defendant setting default judgment aside and show why the defence is totally flawed. if i win the hearing to set aside judgement on the grounds that the defendant has no prospect for success in their defence, then that would be great... but i will probably loose as they have got quite a good excuse that they sent the defence to a mistaken email address. they will claim that there was a valid reason in missing the deadline for submitting a defence. in this scenario where they will win the hearing for setting aside judgement, they will fix their defence for the proper hearing later on. as they will realise that in their defence they had muddled up the two issues. or my second option (option 2) should i allow them to set aside judgement without disclosing why their defence makes no sense and save it for the final hearing where i will prove that their defence is flawed. but i may be accused of obstruction of justice by not pointing out that the defendant has made a simple mistake of muddling up the two issues. I am very grateful in advance for replies kind regards
  24. hello any advise would be greatly appreciated. 6 months ago we bought a Audi a3 on finance over a 4year contract after a few weeks the Audi started cutting out while driving and would roll to a complete stop RAC called out recovered to a garage after a week no faults were found and we collected the car this started happening on a weekly basis after an hour or so the car would start and go until it cut out again. we got in contact with the car sales garage they agreed to cover any costs as long as it was not caused through wear/tear rang finance company and made a complaint. after 5 & half months 3 different garages including Audi themselves and multiple RAC call outs nobody can find a reason to why this is happening. call finance company to ask if I could vt the finance to which they informed me they hadn't started the complaints procedure the first time I complained (about 15 calls ago) and I only had 10 days left to be within the 6 months fix or replace policy. the last 2 weeks of jumping through hoops more fault finding ideas, diagnostic tests, road test through main dealer (still no solutions) and letters from previous garages for evidence of fault as requested by them. I received a call today saying as there not enough evidence to prove a fault they are going to close the complaint and allow me to voluntary terminate the finance agreement and there will be a bill of 5250 pound plus cost of recovering the vehicle as its unsafe to drive.:-x:-x I have no idea where or what to do at the moment so any advise on this would be great. thank you for taking the time to read this
  25. Hello, I have had an ongoing problem with Lowell for the past few years for 3 three mobile debts. Now yes I had contracts for these but I left due to lack of service and the fact that the phones were practically useless as none of the 3 could ever get signal in the house. The debts are for the cancellation fees that Three applied to the account. I have written to Lowells asking them to prove it, only to be sent the statement form three of the charges that were applied, now it is my understanding that mobile phone contracts are not under the CCA and therefore I don't have many options other than to pay them? I tested the water with the one for £188 and offered to pay £100, but Lowell declined and instead offered 20% discount and a partially settled mark on my credit file, which is pretty much-ruined thanks to this nightmare. I am looking for some advice on what to do now as this is causing me a lot of upset and stress, and I'm not really sure where to turn. Thank you in advance
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