Jump to content


  • Tweets

  • Posts

    • If that was the reason then that is good news. The whole reason that being able to charge £100 for breaching private car park rules is because the law Lords decided in a celebrated case that the rogues had a legitimate interest in keeping their car park spaces available for all motorists . {parking Eye v Beavis]. However when the business is closed then there is no legitimate interest in keeping spaces free so to charge £100 is a penalty. As such any Court would automatically throw out the case when the penalty charge is accepted.
    • gives them a feeling of grandeur. dx  
    • yep they can be a bit like the TV licencing lot. for 4yrs ive been getting a series of about 8-10 diff letters that just go round a loop. currently upto 61
    • thread tidied. new thread for the court claim is here  
    • new thread created for this claimform please post here now for anything to do with it now . pop up on the bulk court website detailed on the claimform. [if it is not working return after the w/end or the next day if week time] . When you select ‘Register’, you will be taken to a screen titled ‘Sign in using Government Gateway’. Choose ‘Create sign in details’ to register for the first time. You will be asked to provide your name, email address, set a password and a memorable recovery word. You will be emailed your Government Gateway 12-digit User ID. You should make a note of your memorable word, or password as these are not included in the email.  then log in to the bulk court Website .  select respond to a claim and select the start AOS box. .  then using the details required from the claimform . defend all leave jurisdiction unticked  you DO NOT file a defence at this time [BUT you MUST file a defence regardless by day 33 ] click thru to the end confirm and exit the website .. get a CCA Request running to the claimant . https://www.consumeractiongroup.co.uk/topic/332502-cca-request-consumer-credit-act-1974-updated-january-2015/ .. Leave the £1 PO unsigned and uncrossed . get a CPR  31:14  request running to the solicitors [if one is not listed send to the claimant] ... https://www.consumeractiongroup.co.uk/topic/332546-legal-cpr-3114-request-request-for-information-when-a-claim-has-been-issued/ . .use our other CPR letter if the claim is for an OD or Telecom Debt or Util debt]  https://www.consumeractiongroup.co.uk/topic/332546-legal-cpr-3114-request-request-for-information-when-a-claim-has-been-issued/ on BOTH type your name ONLY Do Not sign anything .do not ever use or give an email . you DO NOT await the return of ANY paperwork  you MUST file a defence regardless by day 33 from the date on the claimform [1 in the count] ..............  
  • Recommended Topics

  • Our picks

    • If you are buying a used car – you need to read this survival guide.
      • 1 reply
    • Hello,

      On 15/1/24 booked appointment with Big Motoring World (BMW) to view a mini on 17/1/24 at 8pm at their Enfield dealership.  

      Car was dirty and test drive was two circuits of roundabout on entry to the showroom.  Was p/x my car and rushed by sales exec and a manager into buying the mini and a 3yr warranty that night, sale all wrapped up by 10pm.  They strongly advised me taking warranty out on car that age (2017) and confirmed it was honoured at over 500 UK registered garages.

      The next day, 18/1/24 noticed amber engine warning light on dashboard , immediately phoned BMW aftercare team to ask for it to be investigated asap at nearest garage to me. After 15 mins on hold was told only their 5 service centres across the UK can deal with car issues with earliest date for inspection in March ! Said I’m not happy with that given what sales team advised or driving car. Told an amber warning light only advisory so to drive with caution and call back when light goes red.

      I’m not happy to do this, drive the car or with the after care experience (a sign of further stresses to come) so want a refund and to return the car asap.

      Please can you advise what I need to do today to get this done. 
       

      Many thanks 
      • 81 replies
    • Housing Association property flooding. https://www.consumeractiongroup.co.uk/topic/438641-housing-association-property-flooding/&do=findComment&comment=5124299
      • 161 replies
    • We have finally managed to obtain the transcript of this case.

      The judge's reasoning is very useful and will certainly be helpful in any other cases relating to third-party rights where the customer has contracted with the courier company by using a broker.
      This is generally speaking the problem with using PackLink who are domiciled in Spain and very conveniently out of reach of the British justice system.

      Frankly I don't think that is any accident.

      One of the points that the judge made was that the customers contract with the broker specifically refers to the courier – and it is clear that the courier knows that they are acting for a third party. There is no need to name the third party. They just have to be recognisably part of a class of person – such as a sender or a recipient of the parcel.

      Please note that a recent case against UPS failed on exactly the same issue with the judge held that the Contracts (Rights of Third Parties) Act 1999 did not apply.

      We will be getting that transcript very soon. We will look at it and we will understand how the judge made such catastrophic mistakes. It was a very poor judgement.
      We will be recommending that people do include this adverse judgement in their bundle so that when they go to county court the judge will see both sides and see the arguments against this adverse judgement.
      Also, we will be to demonstrate to the judge that we are fair-minded and that we don't mind bringing everything to the attention of the judge even if it is against our own interests.
      This is good ethical practice.

      It would be very nice if the parcel delivery companies – including EVRi – practised this kind of thing as well.

       

      OT APPROVED, 365MC637, FAROOQ, EVRi, 12.07.23 (BRENT) - J v4.pdf
        • Like
  • Recommended Topics

Cook V SPML


style="text-align: center;">  

Thread Locked

because no one has posted on it for the last 6300 days.

If you need to add something to this thread then

 

Please click the "Report " link

 

at the bottom of one of the posts.

 

If you want to post a new story then

Please

Start your own new thread

That way you will attract more attention to your story and get more visitors and more help 

 

Thanks

Recommended Posts

Thanks so much, I found this strange as I previously claimed 'alone' from the HSBC our charges from a joint account and it was never an issue. Although it didnt get this far as hsbc just paid up, so this is all new to me.

 

I have also today received a copy of the AQ submitted by SPML, they have ticked yes is section A - asking for it to be postponed for a month

 

they dont agree that it is suitable for small claims and have stated that they believe the 'fast track' is more appropriate?

 

They have asked for 'experts' report at hearing: stating:-

The reasonableness of the charges that are being disputed by the claimant ?

 

and thats it, nothing in the 'other information bit?

 

SGH have asked me to send them a copy of my AQ by return? Do I need to do this? is this normal procedure?

 

sorry for all the questions?

 

thanks again

Joanne

14/06/06 Data Protection Act Sent to SPML

28/06/06 - Info / statements received from SPML

2/8/06 Pre Lim to SPML for £324.72

16/8/06 LBA to SPML

28/9/06 filed MCOL

defence filing date extended to 22/12/06

28/12/06 copy of defence received from sch

16/01/07 AQ filed with court

Link to post
Share on other sites

Hi joanne,

 

Yes, the same tactics as they have done with me...the judge told them no to a one month stay and that it would be dealt with at small claims level - I bet they were amused!!

 

Once you have written your AQ out, do 2 copies, and keep one for yourself and send the other copy to their solicitors.

 

Good Luck! :)

--------------------------------------------------------------

HSBC

Settled in FULL on 8/8/06 - £3619.53

:D

CAPITAL ONE

Settled in Full on 6/9/06 - £84.76

:D

ABBEY NATIONAL (Old N&P Mortgage)

Settled In Full on 2/3/07 - £307.13

:D

SPML

*Court Case Withdrawn - family illness*

MORTGAGES PLC

*Court Case Withdrawn - family illness*

Link to post
Share on other sites

  • 2 weeks later...

Hi,

 

I have now received a court date at my local court against SPML on the 16th March 07.

 

However, on my AQ I did state that I would be on holiday until the 21 March 07 and they have given me a court date when I am away, not sure what I should do, if anything?

 

I also need to prepare a 'court bundle' to send along to court at least 14 days before my court date. Any help or guidance would be really appreciated on what to include.

 

thanks and good luck to everyone

Joanne

14/06/06 Data Protection Act Sent to SPML

28/06/06 - Info / statements received from SPML

2/8/06 Pre Lim to SPML for £324.72

16/8/06 LBA to SPML

28/9/06 filed MCOL

defence filing date extended to 22/12/06

28/12/06 copy of defence received from sch

16/01/07 AQ filed with court

Link to post
Share on other sites

Hi,

sorry took me a while to get back here!

 

my claim is for £406.89

 

I didnt have any ERC,s this is just for returned direct debits and the final 'months' interest paid when the mortgage was paid in full on the 16th of the month.

14/06/06 Data Protection Act Sent to SPML

28/06/06 - Info / statements received from SPML

2/8/06 Pre Lim to SPML for £324.72

16/8/06 LBA to SPML

28/9/06 filed MCOL

defence filing date extended to 22/12/06

28/12/06 copy of defence received from sch

16/01/07 AQ filed with court

Link to post
Share on other sites

There may well be an allocation hearing in which case you can put your arguments for remaining small claims or even better to go fast track without costs. Its also worth putting in an application for a disclosure order pretty sharpish. You may not be able to do this later if it is allocated to the small claims

 

All the best

 

Zoot

Link to post
Share on other sites

  • 3 weeks later...

I have received a letter today from SGH basically offering me £102 in full and final settlement of my claim againt them. My total claim came to £406 which was for returned DD and part interest claim following the closure of this mortgage (payed full month when mortgage was paid up on 16th of month) I didnt have any ERC's.

 

However, it is the last paragraph in their letter that resorts to their usual tactics.

 

'We are currently awaiting instructions from our client to make an application to allocate this claim to the fast track as we intend to call expert evidence at the trial. If the matter is allcated to fast track you will become liable for our clients costs in the event that your claim fails. Our clients costs to date are approximately £4000.

 

It is our clients intention to vigorously defend this case notwithstanding the small amount you are claiming and hope that you will give serious consideration to our clients offer"

 

has anyone else had any 'offers' of settlement before getting to court? what chance do they have of changing the matter to fast track once it has been allocated in the small claims??

14/06/06 Data Protection Act Sent to SPML

28/06/06 - Info / statements received from SPML

2/8/06 Pre Lim to SPML for £324.72

16/8/06 LBA to SPML

28/9/06 filed MCOL

defence filing date extended to 22/12/06

28/12/06 copy of defence received from sch

16/01/07 AQ filed with court

Link to post
Share on other sites

Hi,

 

I have merged you threads to make it easier to follow your progress.

 

Did you have any joy regarding re scheduling the court hearing?

 

Is the hearing an allocation hearing or the full hearing?

 

Have you requested disclosure.

 

If it is fast tracked its likely to be on a no costs basis for such a small claim.

Link to post
Share on other sites

Sounds like the arrogant bully boy tactics so beloved of SPML. As Zoot says the allocation issue is unlikely to be a huge problems and sounds like an attempt to scare you.

 

I obtained a £1,200 refund from SPML last year and they had previously refunded their infamous interest up to the end of the month of the mortgage redemption. Having said that I don't know if that interest falls within the definition of an unlawful penalty charge.

Link to post
Share on other sites

Hi,

thanks for your replies, to be honest Im not sure whether it is full hearing or allocation hearing? how would I know? I have the letter from the court with the date on ect, but it doesnt say anything about full hearing ect?

 

to be honest, this is confusing me a little and I havent had time to spend on it as I wished, hubby had heart op and Ive struggled a little to get into the nitty gritty of this.

 

Regarding the disclosure? in my AQ in the space for 'other information' I had a bit regarding 'order standard disclosure' is this what you mean?

 

I havent rescheduled the hearing as we now arnt able to go away, however, if this is to go to court, I need to get a 'pack' together' to send to court and the solicitors which has to be done 14 day before hearing which is also worrying me as I simply dont know what to include or whether I would be able to stand my ground in court, at the minute Im a nervous wreck so im sure they would simply walk all over me?

14/06/06 Data Protection Act Sent to SPML

28/06/06 - Info / statements received from SPML

2/8/06 Pre Lim to SPML for £324.72

16/8/06 LBA to SPML

28/9/06 filed MCOL

defence filing date extended to 22/12/06

28/12/06 copy of defence received from sch

16/01/07 AQ filed with court

Link to post
Share on other sites

Did the letter giving you notice of the hearing state which track it was on?

How long has been allocated for the hearing?

 

The dislosure I'm referring to is the draft directions that have been recommended for sending out with the allocation questionnaire.

Link to post
Share on other sites

Hi Zootscoot,

yes my court letter states it is small claims track, hearing to last no more than 90 minutes.

 

I didnt send anything with the AQ? wasnt aware that I should have, I followed the directions from this site in the section relating to filing in the AQ.

 

is there something here I am missing or should have done?

 

Joanne

14/06/06 Data Protection Act Sent to SPML

28/06/06 - Info / statements received from SPML

2/8/06 Pre Lim to SPML for £324.72

16/8/06 LBA to SPML

28/9/06 filed MCOL

defence filing date extended to 22/12/06

28/12/06 copy of defence received from sch

16/01/07 AQ filed with court

Link to post
Share on other sites

That will be your full hearing its already allocated.

 

Its unlikely they will get it fast tracked at this stage.

 

I've just noticed you are claiming interest for one month which was payable on redemption. I think this is likely to be held to be reasonable compensation for closing the mortgage. It is quite likely it will take some time before they will get a return on the money you have repaid and this is quite normal in ending mortgages even after any tie in period.

 

The offer they have made, does that cover the charges and court fees and interest on the charges?

Link to post
Share on other sites

I've just noticed you are claiming interest for one month which was payable on redemption. I think this is likely to be held to be reasonable compensation for closing the mortgage.

 

I have been offered this interest back bascially they charge you, your normal monthly interest regardless of when you redeem, and then ERC and exit fees on top.

Consumer Health Forums - where you can discuss any health or relationship matters.

Link to post
Share on other sites

I have been offered this interest back bascially they charge you, your normal monthly interest regardless of when you redeem, and then ERC and exit fees on top.

 

Exactly. It is extremely unreasonable but I don't know if it can be challenged legally.

Link to post
Share on other sites

  • Recently Browsing   0 Caggers

    • No registered users viewing this page.

  • Have we helped you ...?


×
×
  • Create New...