Jump to content


  • Tweets

  • Posts

    • Not sure what to make of that or what it means for me, I was just about to head to my kip and it's a bit too late for legalise. When is the "expenditure occured"?  When they start spending money to write to me?  Or is this a bad thing (as "harsh" would imply)? When all is said and done, I do not have two beans to rub together, we rent our home and EVERYTHING of value has been purchased by and is in my wife's name and we are not financially linked in any way.  So at least if I can't escape my fate I can at least know that they will get sweet FA from me anyway   edit:  ah.. Sophia Harrison: Time bar decision tough on claimants WWW.SCOTTISHLEGAL.COM Time bar is a very complex area of law in Scotland relating to the period in which a claim for breach of duty can be pursued. The Scottish government...   This explains it like I am 5.  So, a good thing then because creditors clearly know they have suffered a loss the minute I stop paying them, this is why it is "harsh" (for them, not me)? Am I understanding this correctly?  
    • urm......exactly what you filed .....read it carefully... it puts them to strict proof to prove the debt is enforceable, so thus 'holds' their claim till they coughup or not and discontinue. you need to get readingthose threads i posted so you understand. then you'll know whats maybe next how to react or not and whats after that. 5-10 threads a day INHO. dont ever do anything without checking here 1st.
    • I've done a new version including LFI's suggestions.  I've also change the order to put your strongest arguments first.  Where possible the changes are in red.  The numbering is obviously knackered.  Methinks stuff about the consideration period could be added but I'm too tired now.  See what you think. Background  1.1  The Defendant received the Parking Charge Notice (PCN) on the 06th of November 2020 following the vehicle being parked at Arla Old Dairy, South Ruislip on the 05th of December 2019.  Unfair PCN  4.1  On XXXXX the Defendant sent the Claimant's solicitors a CPR request.  As shown in Exhibit 1 (pages 7-13) sent by the solicitors the signage displayed in their evidence clearly shows a £60.00 parking charge notice (which will  be reduced to £30 if paid within 14 days of issue). 4.2  Yet the PCN sent by the Claimant is for a £100.00 parking charge notice (reduced to £60 if paid within 30 days of issue).  4.3        The Claimant relies on signage to create a contract.  It is unlawful for the Claimant to write that the charge is £60 on their signs and then send demands for £100.   4.4        The unlawful £100 charge is also the basis for the Claimant's Particulars of Claim. No Locus Standi 2.1  I do not believe a contract exists with the landowner that gives MET Parking Services a right to bring claims in their own name. Definition of “Relevant contract” from the Protection of Freedoms Act 2012, Schedule 4,  2 [1] means a contract Including a contract arising only when the vehicle was parked on the relevant land between the driver and a person who is-  (a) the owner or occupier of the land; or  (b) Authorised, under or by virtue of arrangements made by the owner or occupier of the land, to enter into a contract with the driver requiring the payment of parking charges in respect of the parking of the vehicle on the land. According to https://www.legislation.gov.uk/ukpga/2006/46/section/44  For a contract to be valid, it requires a director from each company to sign and then two independent witnesses must confirm those signatures.  2.2  The Defendant requested to see such a contract in the CPR request.  The fact that no contract has been produced with the witness signatures present means the contract has not been validly executed. Therefore, there can be no contract established between MET Parking Services and the motorist. Even if “Parking in Electric Bay” could form a contract (which it cannot), it is immaterial. There is no valid contract. Illegal Conduct – No Contract Formed  3.1 At the time of writing, the Claimant has failed to provide the following, in response to the CPR request from myself.  3.2        The legal contract between the Claimant and the landowner (which in this case is Standard Life Investments UK) to provide evidence that there is an agreement in place with landowner with the necessary authority to issue parking charge notices and to pursue payment by means of litigation.  3.3 Proof of planning permission granted for signage etc under the Town and country Planning Act 1990. Lack of planning permission is a criminal offence under this Act and no contract can be formed where criminality is involved.  3.4        I also do not believe the claimant possesses these documents.  No Keeper Liability  5.1        The defendant was not the driver at the time and date mentioned in the PCN and the claimant has not established keeper liability under schedule 4 of the PoFA 2012. In this matter, the defendant puts it to the claimant to produce strict proof as to who was driving at the time.  5.2 The claimant in their Notice To Keeper also failed to comply with PoFA 2012 Schedule 4 section 9[2][f] while mentioning “the right to recover from the keeper so much of that parking charge as remains unpaid” where they did not include statement “(if all the applicable conditions under this Schedule are met)”.    5.3        The claimant did not mention the parking period instead only mentioned time 20:25 which is not sufficient to qualify as a parking period.   Protection of Freedoms Act 2012  The notice must -  (a) specify the vehicle, the relevant land on which it was parked and the period of parking to which the notice relates; 22. In the persuasive judgement K4GF167G - Premier Park Ltd v Mr Mathur - Horsham County Court – 5 January 2024 it was on this very point that the judge dismissed this claim. 5.4  A the PCN does not comply with the Act the Defendant as keeper is not liable. No Breach of Contract  6.1      No breach of contract occurred because the PCN and contract provided as part of the defendant’s CPR request shows a different post code, the PCN shows HA4 0EY while the contract shows HA4 0FY.  6.2        The wording “Electric Bay Abuse” is not listed on their signs nor there is any mention on the contract of any electric charging points at all let alone who can park there or use them.  Interest 6.2  It is unreasonable for the Claimant to delay litigation for Double Recovery  7.1  The claim is littered with made-up charges. 7.2  As noted above, the Claimant's signs state a £60 charge yet their PCN is for £100. 7.3  As well as the £100 parking charge, the Claimant seeks recovery of an additional £70.  This is simply a poor attempt to circumvent the legal costs cap at small claims. 29. Since 2019, many County Courts have considered claims in excess of £100 to be an abuse of process leading to them being struck out ab initio. An example, in the Caernarfon Court in VCS v Davies, case No. FTQZ4W28 on 4th September 2019, District Judge Jones-Evans stated “Upon it being recorded that District Judge Jones- Evans has over a very significant period of time warned advocates (...) in many cases of this nature before this court that their claim for £60 is unenforceable in law and is an abuse of process and is nothing more than a poor attempt to go behind the decision of the Supreme Court v Beavis which inter alia decided that a figure of £160 as a global sum claimed in this case would be a penalty and not a genuine pre-estimate of loss and therefore unenforceable in law and if the practise continued, he would treat all cases as a claim for £160 and therefore a penalty and unenforceable in law it is hereby declared (…) the claim is struck out and declared to be wholly without merit and an abuse of process.” 30. In Claim Nos. F0DP806M and F0DP201T, District Judge Taylor echoed earlier General Judgment or Orders of District Judge Grand, stating ''It is ordered that the claim is struck out as an abuse of process. The claim contains a substantial charge additional to the parking charge which it is alleged the Defendant contracted to pay. This additional charge is not recoverable under the Protection of Freedoms Act 2012, Schedule 4 nor with reference to the judgment in Parking Eye v Beavis. It is an abuse of process from the Claimant to issue a knowingly inflated claim for an additional sum which it is not entitled to recover. This order has been made by the court of its own initiative without a hearing pursuant to CPR Rule 3.3(4)) of the Civil Procedure Rules 1998...'' 31. In the persuasive case of G4QZ465V - Excel Parking Services Ltd v Wilkinson – Bradford County Court -2 July 2020 (Exhibit 4) the judge had decided that Excel had won. However, due to Excel adding on the £60 the Judge dismissed the case. 7.7        The addition of costs not previously specified on signage are also in breach of the Consumer Rights Act 2015, Schedule 2, specifically paras 6, 10 and 14.  7.8        It is the Defendant’s position that the Claimant in this case has knowingly submitted inflated costs and thus the entire claim should be similarly struck out in accordance with Civil Procedure Rule 3.3(4).  In Conclusion  8.1        I invite the court to dismiss the claim. Statement of Truth I believe that the facts stated in this witness statement are true. I understand that proceedings for contempt of court may be brought against anyone who makes, or causes to be made, a false statement in a document verified by a statement of truth without an honest belief in its truth. 
    • Scottish time bar: Scottish appeal court re-affirms the “harsh” rule (cms-lawnow.com)  
    • I suppose I felt my defence would be that it was an honest mistake and even the initial £60 charges seemed unjust, let alone the now two £170's he is now demanding. There is no Justpark code for 'Sea View' on the signs in the car park and the first/nearest car park that comes up when you're in the Sea View car park is the 'Polzeath beach car park'. If I have to accept that I need to pay £340 to avoid the stress of him maybe taking me to court, then so be it. If people here advise me I don't have a case then I will just have to pay.
  • 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

Lloyds TSB Credit Card - Claim form received


mcuth
style="text-align: center;">  

Thread Locked

because no one has posted on it for the last 5648 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

I'm back from hols - not quite tanned enough, but very relaxed :) Nothing waiting in the post from SC&M or the Court, so am presuming the application hearing is going ahead on the 29th. Now need to start thinking about phrasing my objections properly...

 

Cheers

Michael

Please note that the right to reproduce any part of any post I make on this forum is restricted under copyright law.

 

Please see the following copyright statement

Link to post
Share on other sites

  • Replies 207
  • Created
  • Last Reply

Top Posters In This Topic

Top Posters In This Topic

I've ask Lloyds TSB twice to provide documents in a sworn affidavit.

Still nothing yet, and very much doubt they will.

 

Also their solicitors acting on there behalf, well no comment lol

I'll notify the law society regarding them.

 

 

 

The contents of this post should not be construed as being legal advice

 

Peace

 

 

Truther

Link to post
Share on other sites

  • 2 weeks later...

Received this supplemental witness statement from SC&M prior to the application hearing this Thursday:

 

 

ltsb_supp_stat1.jpg

 

ltsb_supp_stat2.jpg

 

Not quite sure what that's supposed to be in aid of???

Anyone any hints as to how I should approach the hearing?

 

Cheers

Michael

Please note that the right to reproduce any part of any post I make on this forum is restricted under copyright law.

 

Please see the following copyright statement

Link to post
Share on other sites

Are they saying that, because they are a major high street bank, that there is no way they could have gotten it wrong, making the notice inaccurate?

 

What tosh...

 

The fact they can't produce a true copy of the original, thereby showing that they've complied with the regulations they are so adamant that they have complied with, means that this whole process is unlawful under s.87/s.88 anyway?

 

I also wonder if Mr Matthew Bartle will attend the hearing, to give evidence in person?

 

Link to post
Share on other sites

Are they saying that, because they are a major high street bank, that there is no way they could have gotten it wrong, making the notice inaccurate?

 

What tosh...

 

The fact they can't produce a true copy of the original, thereby showing that they've complied with the regulations they are so adamant that they have complied with, means that this whole process is unlawful under s.87/s.88 anyway?

 

I'm glad you came back with that Chris, 'cos that's the sort of idea I was forming - they seem to be saying "oh we do this all the time, and we're a major high street bank, so there's no way that we could be wrong". I actually think this, along with their failure to produce/mention their obligations re cancellation notices, could be the really massive turning points....

 

I also wonder if Mr Matthew Bartle will attend the hearing, to give evidence in person?

 

LOL - I really doubt it :D

 

Cheers

Michael

Please note that the right to reproduce any part of any post I make on this forum is restricted under copyright law.

 

Please see the following copyright statement

Link to post
Share on other sites

Are they saying that, because they are a major high street bank, that there is no way they could have gotten it wrong, making the notice inaccurate?

 

wonder if that was First county trusts submissions in Wilson .v FCT

Link to post
Share on other sites

I'm glad you came back with that Chris, 'cos that's the sort of idea I was forming - they seem to be saying "oh we do this all the time, and we're a major high street bank, so there's no way that we could be wrong". I actually think this, along with their failure to produce/mention their obligations re cancellation notices, could be the really massive turning points....

 

It's all poppycock, IMHO - if they can't produce the documentation required as a pre-action protocol under the Act, (which a Default Notice is, according to s.88 CCA 1974) they shouldn't be taking the claim to Court.

 

Missing prescribed terms/cancellation rights is an oversight that will cost them dearly. Failing to follow the prescribed process for bringing the claim to Court just adds to the fury that the Judge will hopefully (maybe with a little encouragement from you) rain down on them.

 

Link to post
Share on other sites

I thought prescribed terms /cancellation rites were and important part of any case so they can prove the claim is legit?

 

I move for a stike out of the case.

OFT debt collection guidance

 

Please remember the only stupid question is the one you dont ask so dont worry about asking the stupid questions.

 

Essex girl in pc world looking 4 curtains 4 her pc,the assistant says u dont need curtains 4 a computer!!Essex girl says,''HELLOOO!! i,ve got WINDOWS!!'.

Link to post
Share on other sites

Ok, so I've put together some "key points" notes for my ref in the Application Hearing this afternoon @ 2pm. Know it's short notice, but would be grateful of any comments on them & suggestions...:)

 

Key Points:

1. Claimant’s counsel agreed to the “unless” order – this was requested due to Claimant’s failure to deal with s78 request since 6th February 2007, not simply because it was included in the Draft Order attached to the AQ as alleged in para 2 of the Claimant’s original witness statement

2. para 7g - The Defendant has been prejudiced by the whole claim as the Claimant was not at liberty to enforce the alleged agreement under s78(6) Consumer Credit Act (1974), which states:

(6) If the creditor under an agreement fails to comply with subsection (1) -

(a) he is not entitled, while the default continues, to enforce the agreement; and

(b) if the default continues for one month he commits an offence.

3. The request under s78(1) was made on 6th February 2007, and the Defendant objects to para 7c of the original witness statement –implication of “avoiding paying debts” and referring to compliance under s78(1) “in a rapid manner”

4. s78(1) states:

(1) The creditor under a regulated agreement for running-account credit, within the prescribed period after receiving a request in writing to that effect from the debtor and payment of a fee of £1, shall give the debtor a copy of the executed agreement (if any) and of any other document referred to in it, together with a statement signed by or on behalf of the creditor showing, according to the information to which it is practicable for him to refer,—

(a) the state of the account, and

(b) the amount, if any, currently payable under the agreement by the debtor to the creditor, and

© the amounts and due dates of any payments which, if the debtor does not draw further on the account, will later become payable under the agreement by the debtor to the creditor.

5. The Claimant has still not fulfilled this request as no details of cancellation rights have been supplied and it is presumed that therefore the Claimant has not complied with s64 Consumer Credit Act (1974). The agreement is therefore unenforceable s127(4) Consumer Credit Act (1974) states:

(4) The court shall not make an enforcement order under section 65(1) in the case of a cancellable agreement if—

(a) a provision of section 62 or 63 was not complied with, and the creditor or owner did not give a copy of the executed agreement, and of any other document referred to in it, to the debtor or hirer before the commencement of the proceedings in which the order is sought, or

(b) section 64(1) was not complied with.

6. Claimant’s counsel agreed to SCT – para 11 – not Defendant’s problem if Claimant cannot instruct counsel properly.

7. The issues to be dealt with are not complex as alleged by the Claimant – the issues are simple and thus:

7.1 Has the Claimant complied with the law?

7.2 Is there an executed enforceable agreement containing all the prescribed terms?

7.3 Can the original agreement be produced in accordance with CPR13.1?

7.4 Is the default notice valid?

7.5 Were cancellation rights served properly?

7.6 Does the amount outstanding & defaulted contain penalty charges?

8. Penalty charges – the Claimant’s argument at paras 11c/d is moot - Office of Fair Trading’s statement of 5th April 2006 concerning default charges in credit card contracts and avers that these charges represent a penalty and are therefore unrecoverable at Common Law.

9. No default notice – only a “reproduction” – Claimant seems to infer from their supplementary witness statement of 16th May 2008, that as they are a “major high street bank”, they could not possibly make inaccurate submissions or make a mistake. This isn’t true, as we have seen from their admissions regarding the terms & conditions, allocation, etc…

10. s87 states:

87 Need for default notice

(1) Service of a notice on the debtor or hirer in accordance with section 88 (a “default notice”) is necessary before the creditor or owner can become entitled, by reason of any breach by the debtor or hirer of a regulated agreement,—

(a) to terminate the agreement, or

(b) to demand earlier payment of any sum, or

© to recover possession of any goods or land, or

(d) to treat any right conferred on the debtor or hirer by the agreement as terminated, restricted or deferred, or

(e) to enforce any security.

11. s88 Consumer Credit Act (1974) states:

(1) The default notice must be in the prescribed form and specify—

(a) the nature of the alleged breach;

(b) if the breach is capable of remedy, what action is required to remedy it and the date before which that action is to be taken;

© if the breach is not capable of remedy, the sum (if any) required to be paid as compensation for the breach, and the date before which it is to be paid.

(2) A date specified under subsection (1) must not be less than seven days after the date of service of the default notice, and the creditor or owner shall not take action such as is mentioned in section 87(1) before the date so specified or (if no requirement is made under subsection (1)) before those seven days have elapsed.

(3) The default notice must not treat as a breach failure to comply with a provision of the agreement which becomes operative only on breach of some other provision, but if the breach of that other provision is not duly remedied or compensation demanded under subsection (1) is not duly paid, or (where no requirement is made under subsection (1)) if the seven days mentioned in subsection (2) have elapsed, the creditor or owner may treat the failure as a breach and section 87(1) shall not apply to it.

(4) The default notice must contain information in the prescribed terms about the consequences of failure to comply with it.

(5) A default notice making a requirement under subsection (1) may include a provision for the taking of action such as is mentioned in section 87(1) at any time after the restriction imposed by subsection (2) will cease, together with a statement that the provision will be ineffective if the breach is duly remedied or the compensation duly paid.

12. Settled law regarding failure of a Default Notice to be accurate not only invalidates the Default Notice (Woodchester Lease Management Services Ltd v Swain and Co - [2001] GCCR 2255) but is an unlawful rescission of contract which would not only prevent the Court enforcing any alleged debt, but allow the Defendant to submit a counterclaim for damages (Kpohraror v Woolwich Building Society [1996] 4 All ER 119)

13. In lieu of submitting a counterclaim for damages, the Defendant would respectfully request the Court to consider awarding substantial damages to the Defendant as the Claimant has issued an inaccurate Default Notice. In kpohraror v woolwich building society [1996] C.L.C. 510 it was decided that the amount of the damages should be the amount of the cheque that was dishonoured (the amount of the default) plus substantial damage to reputation of £1,000.

14. The Claimant can’t even substantiate the default notice as it is only a reproduction

 

Cheers

Michael

Please note that the right to reproduce any part of any post I make on this forum is restricted under copyright law.

 

Please see the following copyright statement

Link to post
Share on other sites

 

7.3Can the original agreement be produced in accordance with CPR13.1?

Cheers

Michael

 

Just a small point but it's cpr31 not 13. This only applies to seeing a copy of the agreement. IF you want to see the actual agreement itself you need to request this under cpr 32.19, but you need to do this at the disclosure stage.

 

PART 32 - EVIDENCE

Link to post
Share on other sites

Just a small point but it's cpr31 not 13. This only applies to seeing a copy of the agreement. IF you want to see the actual agreement itself you need to request this under cpr 32.19, but you need to do this at the disclosure stage.

 

PART 32 - EVIDENCE

 

Thanks for pointing that one out - it's actually CPR32 13.1 that I was meaning:

PRACTICE DIRECTION – type="start" timestamp="1122646426703" EVIDENCEtype="end" timestamp="1122646426703" - This Practice Direction supplements CPR Part 32

 

That doesn't seem to imply it being at disclosure stage though?

 

Cheers

Michael

Please note that the right to reproduce any part of any post I make on this forum is restricted under copyright law.

 

Please see the following copyright statement

Link to post
Share on other sites

Good luck for this afternoon :)

Have we helped you ...?         Please Donate button to the Consumer Action Group

Uploading documents to CAG ** Instructions **

Looking for a draft letter? Use the CAG Library

Dealing with Customer Service Departments? - read the CAG Guide first

1: Making a PPI claim ? - Q & A's and spreadsheets for single premium policy - HERE

2: Take back control of your finances - Debt Diaries

3: Feel Bullied by Creditors or Debt Collectors? Read Here

4: Staying Calm About Debt  Read Here

5: Forum rules - These have been updated - Please Read

BCOBS

1: How can BCOBS protect you from your Banks unfair treatment

2: Does your Bank play fair - You can force your Bank to play Fair with you

3: Banking Conduct of Business Regulations - The Hidden Rules

4: BCOBS and Unfair Treatment - Common Examples of Banks Behaving Badly

5: Fair Treatment for Credit Card Holders and Borrowers - COBS

Advice & opinions given by citizenb are personal, are not endorsed by Consumer Action Group or Bank Action Group, and are offered informally, without prejudice & without liability. Your decisions and actions are your own, and should you be in any doubt, you are advised to seek the opinion of a qualified professional.

PLEASE DO NOT ASK ME TO GIVE ADVICE BY PM - IF YOU PROVIDE A LINK TO YOUR THREAD THEN I WILL BE HAPPY TO OFFER ADVICE THERE:D

Link to post
Share on other sites

Good luck for this afternoon :)

 

Thanks CB - will post an update tonight when I'm home....

 

Cheers

Michael

Please note that the right to reproduce any part of any post I make on this forum is restricted under copyright law.

 

Please see the following copyright statement

Link to post
Share on other sites

Thanks for pointing that one out - it's actually CPR32 13.1 that I was meaning:

 

That doesn't seem to imply it being at disclosure stage though?

 

Cheers

Michael

 

Sorry, you're right, I hadn't looked at the Practice Direction. If you're quoting it to the judge you might want to make it clear that it's part 32 practice direction.

 

As the others have said - good luck

Link to post
Share on other sites

Sorry, you're right, I hadn't looked at the Practice Direction. If you're quoting it to the judge you might want to make it clear that it's part 32 practice direction.

 

As the others have said - good luck

 

Cool, thanks Nick :)

 

Cheers

Michael

Please note that the right to reproduce any part of any post I make on this forum is restricted under copyright law.

 

Please see the following copyright statement

Link to post
Share on other sites

Good luck Michael . .

WARNING TO ALL

Please be aware of acting on advice given by PM .Anyone can make mistakes and if advice is given on the main forum people can see it to correct it ,if given privately then no one can see it to correct it. Please also be aware of giving your personal details to strangers

Link to post
Share on other sites

Well.......

Firstly, thanks for the good luck wishes everyone :)

 

Taken me a little while to typing this as it wasn't the best result today, but I think I gave it the best shot I could. The DJ was really pretty reasonable and was quite supportive - plus, he didn't just insist that it was money lent & had to be repaid!

 

The upshot is that the case has been reinstated.

Whilst the DJ was most scornful of the Bank's errors in agreeing to the "unless" order and SCT allocation, then not complying with the order and now requesting reallocation, there's no real prejudice been caused to me (they've not even claimed interest, which could've been used as a prejudice argument) and no prevention of a fair trial. He did say that the interests of justice provide that the case should be reinstated. TBH, I couldn't really argue against that too much.

 

There's also case law that says that an "unless" order, without previous order breaches, is a disproportionate sanction (I'll dig out the case from my notes tomorrow) - I pointed out the Bank's failure to comply with my s78 request actually prevented them from commencing this enforecement action, but as that wasn't a breach of a court order, it couldn't be taken into account at the application hearing and was a matter for trial.

 

The case has also been reallocated to Fast Track, entirely down to the arguments to be presented and the length of trial time it'll require (it took us well over an hour just to present arguments just for this application, and an hour was allocated to this hearing) - the DJ did point out that it could almost be a multi-track case! However, costs to date are to be ruled by the SCT, so that's a bit of a bonus....(and the DJ was quite happy to let counsel know that they weren't in a position to object due to their previous errors, etc...)

 

The DJ was keen to get everything "compartmentalised" into major issues for the trial, so we went through those - he seemed to enjoy the penalty charges argument, and said that the argument about the penalty charges invalidating the default notice (which, I interjected, couldn't be produced!) was an interesting one. Counsel said that as it was only £75 involved, it was likely a "de minimis" (sp?) issue - can't wait to get my teeth into that.

 

Anyhoo, the Draft Order submitted by the Bank has been amended somewhat (that went a little too quickly for my notetaking), the re-amended PoCs will be served again with their amendment for the default notice - my re-amended defence has to be served by the end of June. We agreed further timelines for various aspects, and the case will be listed for a November-ish date. I'll post all that up if I can read my notes, or the actual order when it comes.

 

I think their counsel knows that this isn't going to be an easy ride for him, and was most impressed at the arguments & paperwork supplied so far :D At one point, the DJ noted to the Bank's counsel (who will most likely be their representative at trial) that I was a Litigant in Person (not sure why, I'd sort of lost track at that moment), and counsel replied with "A very able one too, sir" :D

 

Oh, whilst we were outside the courtroom waiting for the DJ to consider his order, counsel did let it slip that he didn't think the original agreement would be able to be produced - we had a quick chat about CPR32 13.1 and he said that the Civil Evidence rules allowed a photocopy if the original couldn't be produced. Of course, I'll make a big fuss that with the Bank's errors to date, the original must be produced to determine that the correct Ts&Cs are referred to - a point I made several times during the hearing, just to emphasise it ;)

 

We also had quite an intersting chat about the consumer revolution and how the banks just aren't used to the consumers fighting back :D

 

All in all, not too bad an experience - even if it wasn't the result I wanted and it went on for nearly 2hours in total. I think I've left a good impression on both the DJ and counsel ;)

 

Cheers

Michael

Please note that the right to reproduce any part of any post I make on this forum is restricted under copyright law.

 

Please see the following copyright statement

Link to post
Share on other sites

Some good and some not so good news then Mcuth..

 

A real nuisance it has been scheduled for so late in the year though. It is frustrating that Lloyds have been allowed so many attempts at getting their paperwork correct. Had it been an LIP make that kind of screw up they would have well lost. :(

Have we helped you ...?         Please Donate button to the Consumer Action Group

Uploading documents to CAG ** Instructions **

Looking for a draft letter? Use the CAG Library

Dealing with Customer Service Departments? - read the CAG Guide first

1: Making a PPI claim ? - Q & A's and spreadsheets for single premium policy - HERE

2: Take back control of your finances - Debt Diaries

3: Feel Bullied by Creditors or Debt Collectors? Read Here

4: Staying Calm About Debt  Read Here

5: Forum rules - These have been updated - Please Read

BCOBS

1: How can BCOBS protect you from your Banks unfair treatment

2: Does your Bank play fair - You can force your Bank to play Fair with you

3: Banking Conduct of Business Regulations - The Hidden Rules

4: BCOBS and Unfair Treatment - Common Examples of Banks Behaving Badly

5: Fair Treatment for Credit Card Holders and Borrowers - COBS

Advice & opinions given by citizenb are personal, are not endorsed by Consumer Action Group or Bank Action Group, and are offered informally, without prejudice & without liability. Your decisions and actions are your own, and should you be in any doubt, you are advised to seek the opinion of a qualified professional.

PLEASE DO NOT ASK ME TO GIVE ADVICE BY PM - IF YOU PROVIDE A LINK TO YOUR THREAD THEN I WILL BE HAPPY TO OFFER ADVICE THERE:D

Link to post
Share on other sites

Some good and some not so good news then Mcuth..

 

Indeed :)

 

A real nuisance it has been scheduled for so late in the year though.

 

Oh I dunno, it sort of takes the pressure off me a little - after all, I don't have a hearing to prepare for in 2 weeks now - though there will be several deadlines to meet throughout the next 6 months.

 

It is frustrating that Lloyds have been allowed so many attempts at getting their paperwork correct. Had it been an LIP make that kind of screw up they would have well lost. :(

 

Absolutely - I did keep on with that point in the hearing, but it didn't really get acknowledged (apart from counsel admitting that the Bank were in the wrong, etc.. etc..). I did manage to get a few comments in with counsel when we were outside though :D

 

Cheers

Michael

Please note that the right to reproduce any part of any post I make on this forum is restricted under copyright law.

 

Please see the following copyright statement

Link to post
Share on other sites

There's also case law that says that an "unless" order, without previous order breaches, is a disproportionate sanction (I'll dig out the case from my notes tomorrow)

 

It's Marcan Shipping (London) Ltd v Kefalas and another [2007] EWCA Civ 463. See paras 34-36 - I'm thinking that while it may be a good idea, there's always a defence to strike out under an unless order, if it's the first breach. Also, it's worth noting that it's apparently not appropriate for the party relying on the unless order to seek that it is activated (see 34A).....

 

Cheers

Michael

Please note that the right to reproduce any part of any post I make on this forum is restricted under copyright law.

 

Please see the following copyright statement

Link to post
Share on other sites

Received the order from the court now:

 

IT IS ORDERED THAT:

 

1. The claim be reinstated.

 

2. By reason of the legal issues and complaxity [sic] of facts, this claim be re-allocated to the Fast Track.

 

3. The Claimant's [sic] have permission to re-amend the Particulars of Claim in the form supplied to the Defendant and the Court prior to the application hearing. Further service and filing be dispensed with. Costs of and occasioned as a result of the re-amendment be the Defendant's in any event.

 

4. The Defendant shall file and serve and [sic] re-amended Defence by 4pm on the 27th June 2008.

 

5. The Claimant's [sic] shall file and serve any reply, if so advise [sic], by 4pm on the 14th July 2008.

 

6. Both parties shall give standard disclosure to the other party by way of list supported by disclosure statement by 4pm on the 21st July 2008. Any request for the provision of copy documents shall be made to the other party by 4pm on the 28th July 2008 any such copies as my be requested shall be supplied by 4pm on the 4th August 2008.

 

7. Any request for further information pursuant to CPR Part 18 shall be made by the 11th August 2008 and shall be responded to by the 25th August 2008.

 

8. The parties shall exchange witness statements of witness of fact exhibiting any other documents which are relied upon by 4pm on the 22nd September 2008.

 

9. Pre-trial checklists/listing questionnaires shall be returned completed to the Court by the 28th octoebr [sic] 2008.

 

10. The parties shall make reasonable efforts to agree the contents of a trial bundle, to include all materials relied upon including a case summary and the skeleton arguments and authorities supplied pursuant to this Order, and the Solicitors for the Claiamnt's [sic] shall produce such a paginated bundle and serve it on the Defendant by 4pm on the 3rd November 2008. The trial bundle shall be filed with the Court with sufficient copies for the Judge and any witness by 4pm on the 10th November 2008.

 

11. The claim shall be listed for final hearing with a time estimate if one day in the trial window between the 10th November 2008 and the 28th November 2008.

 

12. The small claim hearing listed for the 12th June 2008 be and is hereby vacated.

 

13. Costs in the case.

 

Also enclosed was the N170 pre-trial checklist for completion & return by 28th October...

 

Hmmm, seems I've got a bit of work to do!

 

Cheers

Michael

Please note that the right to reproduce any part of any post I make on this forum is restricted under copyright law.

 

Please see the following copyright statement

Link to post
Share on other sites

I can't for the life of me see why this is a fast track case - it doesn't involve complex legal issues, from what I can see.

 

Not much you can do about this, but, a word of warning now, you are open to a claim of their costs if you do go on and lose. It's time to consider now what the impact of that would be on you personally, (I'd imagine it would amount to £2k/£3k, potentially) in case you get a Judge that totally disagrees with you.

 

I'm not saying you will lose, but considering "other options", such as a Consent Order saying you'll pay £x each month until the balance is cleared, may be the better way to go, if you don't think you can afford the risk.

 

Call me Devils' Advocate.;)

 

Link to post
Share on other sites

Hi Chris

 

I can't for the life of me see why this is a fast track case - it doesn't involve complex legal issues, from what I can see.

 

Not much you can do about this, but, a word of warning now, you are open to a claim of their costs if you do go on and lose. It's time to consider now what the impact of that would be on you personally, (I'd imagine it would amount to £2k/£3k, potentially) in case you get a Judge that totally disagrees with you.

 

I'm not saying you will lose, but considering "other options", such as a Consent Order saying you'll pay £x each month until the balance is cleared, may be the better way to go, if you don't think you can afford the risk.

 

Call me Devils' Advocate.;)

 

Thanks for the warning, my Advocate friend :D

 

Both their Counsel and the DJ were convinced that the penalty charges/inaccurate default notice, s78 default and the executed by "signature" were the arguments that required the case to be Fast Track - the fact that the original Counsel at the Allocation Hearing had made an error in consenting to SCT didn't help.

 

I'm not spectacularly over-worried about their costs - in the first instance, if I get to thinking I'll lose, I'll be fighting for a consent/Tomlin order on this rather than a CCJ since they shouldn't have brought the case due to their s78 default. Secondly, if I lose, this case may be the one that makes a decision to go bankrupt more of a reality than it currently is (fighting a few other issues too!)... :)

 

Cheers

Michael

Please note that the right to reproduce any part of any post I make on this forum is restricted under copyright law.

 

Please see the following copyright statement

Link to post
Share on other sites

Now received the clean copy of the re-amended PoC, along with all attachments..... lots of work to do.

 

Cheers

Michael

Please note that the right to reproduce any part of any post I make on this forum is restricted under copyright law.

 

Please see the following copyright statement

Link to post
Share on other sites

  • Recently Browsing   0 Caggers

    • No registered users viewing this page.

  • Have we helped you ...?


×
×
  • Create New...