Jump to content


  • Tweets

  • Posts

    • You probably do need to ignore it, but show it to us just in case. Cover up your name, address and anything that could ID you like your car reg. HB
    • Hi all! I've now had a "final notification letter" through from ECP. I assume I should continue to ignore this, but is there likely any action I need to take? Do you need to see a copy of the letter? Thanks
    • Please will you upload the defence in a PDF format document
    • Afternoon All - after 3 weeks of silence, this morning I received an email from HMCTS advising that P2G have rejected my claim. Decide whether to proceed Parcel2Go.com has rejected your claim. You need to decide whether to proceed with the claim. You need to respond before 4pm on 25 June 2024. Your claim won’t continue if you don’t respond by then. This is their ‘defence’ Their defence Why they disagree with the claim When choosing a service on the Defendants website, the Claimant chose to book their order with Evri and selected to take out £20 parcel protection which comes with the service. On the first page of the booking process, the Claimant entered the value of £265 for the contents and was offered parcel protection for loss or damages against their goods for £13.99 + VAT. The Claimant selected no, which then produced a pop up which explained 'We strongly recommend that you protect the full value of your item(s).' however, the Claimant still did not take this protection out and instead continued with the booking process. At the end of the booking process, the Claimant was offered this again which was refused and the Claimant continued with the booking by accepting the terms and conditions which re-iterates the information provided in the booking process. The parcel was sent, however, seems to be delayed in transit. The parcel finally started to track again, however, when delivered the parcel was empty with no contents. As such, the claim was re-opened and attempted to be settled for the £20 protection taken out in the booking process. This was refused by the Claimant as they felt they should be paid the full amount of the value entered when booking. Unfortunately, due to the refusal of the parcel protection in the booking process the Defendant is not liable to settle the claim to the value and only to the parcel protection taken out. The Defendant shall rely on the Terms and Conditions of carriage in particular section 9. The Defendant understands that the contents have not be handled with due care and attention, which is not being disputed, however, they are disputing the amount they are liable to. They have requested mediation, I’m sure not least to drag the case out even longer, but I can see no benefit to me in this and so shall reject it. As ever, I’d welcome your thoughts guys. g59   
    • I doubt HMCTS holds any data on whether arrests by AEAs required police assistance.  They couldn't or wouldn't provide data on how many of warrants issued were successfully executed - just the number issued!  In my experience, arrest warrants whether with or without bail are [surprisingly] carried out with little or no fuss.  I think it's about how you treat people - a little respect and courtesy goes a long way. If you treat people badly they will react the same way. Occasions when police are called to assist are not common and, having undertaken or managed many thousands of these over the years, I can only recall a handful of occasions when police assistance was necessary. On one occasion, many years ago, I arrested and transported a man from Hampshire to Bristol prison on a committal warrant. It was just me and he was no problem. I didn't know the Bristol area (pre Sat Nav) and he was kind enough to provide directions - seems he knew the prison.  One young chap on another committal warrant jumped out of his back window and I had to chase him across several garden fences.  When he gave up (we were both knackered) I agreed to drive by his girlfriend's house to say farewell for a while.  I gave them a few moments and he was fine. The most difficult are breach warrants but mainly in locating the defendant as they don't want to go back to prison - can't blame them.  These were always dealt with by the police until the Access to Justice Act transferred responsibility from them to the magistrates' courts. The fact was the police did not actively pursue them and generally only executed them when they arrested someone for something else and found they had a breach warrant outstanding.  Hence the transfer of responsibility.
  • 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

old CCJ - strange case


style="text-align: center;">  

Thread Locked

because no one has posted on it for the last 5575 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 just did a credit check on myself because I want to sort my debts out. This is what I found:

 

edit: please note dates/amount have been modified a little ;)

 

Date: 12/05/2006

6X****** NORTHAMPTON COUNTY COURT Court: NORTHAMPTON COUNTY COURT

Case number: 6X******

Amount: £11003

 

NORTHAMPTON BULK CENTRE, 21-27, ST KATHARINES STREET, NORTHAMPTON, NN1 2LH TEL: 0845 4085302

 

At the time of the CCJ (May 2006) I was unemployed and hence unable to pay it back. I simply ignored it (I know how that sounds but it was a bad time of my life). The odd thing is, I haven't heard a thing from them since the letter from the court ordering me to pay £400-odd a week! It's that a bit strange? Perhaps they have forgotton about me! The original debt was with Lloyds TSB (loan).

 

 

 

Company name: EGG BANKING PLC

Started: 25/08/2003

Current Balance: £1,339

Defaulted On: 07/07/2004

File updated for period to: 03/09/2006

 

Again this Egg card was from the "bad period" of my life. I haven't heard a thing from these guys for ages... September 2006 according to the credit report.

 

 

Company name: FV1

Account type: Current Account

Started: 19/10/2000

Current Balance: £1,725

Defaulted On: 08/03/2004

File updated for period to: 06/09/2007

 

I honestly don't remember where this is from! I have no idea who FV1 are but I certainly don't owe them money. Is there any way from removing this from my record?

 

Also the CCJ, could I get that removed seeing as they haven't chased me for almost 2 years? I've searched all over this site and others for advice but I think this is somewhat of a unique case.

Edited by whistler114
Link to post
Share on other sites

By now, it's probably been sold on to DCA's.

 

Since the credit agencies can process your data for use in tracing, you will probably get letters from DCA's in the next three weeks...

 

before phoning them, ask us for advice.

i will be off site for the next month or so. if you have any problems, feel free to report the post so a moderator can help you.

 

I am not a qualified or practicing lawyer.

Link to post
Share on other sites

Sorry could you be more clear please, what do you mean by that exactly? Are you referring to the information that I've posted above? If so, highly unlikely because I have modified the dates and amounts slightly - I wasn't born yesterday ;). Secondly, I'm not hiding from them, they know where I am, they have just given up.

 

I haven't phoned them, only spoke to one or 2 people who called a few years ago asking me to confirm my address and date of birth - I said no a few times (because they refused to say who was calling) and they hung up :p

 

So in conclusion, no, they won't be contacting me in the next 3 weeks... I'm not sure where you got that idea from. They gave up over a year ago because I never replied. As for the CCJ, they haven't sent me a single letter since the "day of judgement"

Link to post
Share on other sites

DCA's and creditors place a trace alert on your file.

 

When you do a credit reference search, this alert is triggered, and the DCA's are told your current address, which you have just confirmed through the credit reference search.

i will be off site for the next month or so. if you have any problems, feel free to report the post so a moderator can help you.

 

I am not a qualified or practicing lawyer.

Link to post
Share on other sites

oh I see. Well in that case I had no choice because if I want to get this sorted I have to see what's on my file.

 

But I noticed on my file that Admiral did a check 4 months ago for my car insurance but I haven't had a letter from a DCA for over a year.

Link to post
Share on other sites

A normal search won't trigger the allert, but a credit reference check - i.e. one initiated by yourself - generally does.

i will be off site for the next month or so. if you have any problems, feel free to report the post so a moderator can help you.

 

I am not a qualified or practicing lawyer.

Link to post
Share on other sites

  • 1 year later...

Hello again! Thanks for your help last time Tom but this is still ongoing.

 

I haven't been chased by any of the above and in fact one I've just done another credit check and of the above is now listed as SETTLED.

 

The one I really need to sort out first is the CCJ. Should I seek advise from a financial solicitor? I cannot afford to pay this back and quite frankly I don't want to. I was a student at the time, my dad passed away so I had no financial support and Lloyds were waving money at me when they knew I had no means of paying it back at the time (I was young and naive)

 

This was in 2004. I did manage to keep up repayments for a year but defaulted in 2005 and they filed a CCJ in 2006. Since May 2006 I have heard NOTHING from the court. On my credit report it states the debt is now owned by ARROW GLOBAL Ltd.

 

What are my options here? I have heard nothing from Arrow Global, I have no idea who they are. Is there any way of getting this CCJ removed from my file? They clearly have no intention of recovering this debt, it's been 3 years since the CCJ and they haven't contacted me.

Link to post
Share on other sites

What are my options here? I have heard nothing from Arrow Global, I have no idea who they are. Is there any way of getting this CCJ removed from my file? They clearly have no intention of recovering this debt, it's been 3 years since the CCJ and they haven't contacted me.

 

If you didn't recieve any notification of the CCJ, default notice & Particulars of claim. & can prove that you have never been contacted by Arrow either before & after Judgement. You could apply to have the CCJ set a side.

 

 

No. Just because you have not made the payments does not get the CCJ removed. Probably the reason they have not chased you is because you could not afford it. They will wait & hope that you buy a house, a soon as you do they'll apply for a charging order. And they'll get it.

 

You could continue to ignore these debts, & hope that they don't chase you. After 6 years they become statute barred.

Link to post
Share on other sites

You could continue to ignore these debts, & hope that they don't chase you. After 6 years they become statute barred.

 

 

Are you sure about that? I've read that this doesn't apply to CCJs.

 

My point about the CCJ is that Lloyds are the ones who filed it but suddenly it appears this Arrow Global company has taken it over with no notification. If I write to Arrow Global and ask for the signed CCA, could I ask the court to set aside the CCJ on the basis that they cannot provide evidence that I owe them anything?

Link to post
Share on other sites

So after 3 years it will disappear from my credit record? According to my credit file Global Arrow took over this ccj last June but they still haven't made contact.

 

It's hard to find information on cases such as this since most CCJs are chased up. Maybe they're scared of me :p

 

Is it worth calling their bluff and see if Global Arrow actually have a DOA or CCA or anything that proves I owe them money? I hear they are a wishy washy outfit who make themselves difficult to find (PO box address or something). If they do I could always make them a full & final settlement offer £1k (it's all I can afford and they probably paid pennies for such a debt anyway).

Edited by whistler114
Link to post
Share on other sites

Is it worth calling their bluff and see if Global Arrow actually have a DOA or CCA or anything that proves I owe them money?

 

They have the CCJ thats all they need to prove you owe them money.

You can offer them a full and final and see what they say.

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

Link to post
Share on other sites

So a CCJ can change hands without informing all parties? Also is it worth noting that I did not admit to the debt?

 

If Arrow Global sent me a letter tomorrow asking for money for a CCJ I'd tell them to go stuff themselves since I've never heard of them. Could be an attempt to defraud me for all I know.

Edited by whistler114
Link to post
Share on other sites

LLoyds should have informed you in writing (a Notice of Assignment) that they were passing the ownership of the debt to Global Arrow.

 

As already stated, a CCJ does not become statute barred, however, if the company has not chased you for payment within a period of 6 years from the date of issue of the CCJ, that company would need to go back to court to be able to enforce the CCJ. They would have to explain to the court why they had not made any effort to enforce the CCJ for 6 years.

 

Also is it worth noting that I did not admit to the debt?

 

Yes, but debbbys reply is more important:

 

If you didn't recieve any notification of the CCJ, default notice & Particulars of claim. & can prove that you have never been contacted by Arrow either before & after Judgement. You could apply to have the CCJ set a side.

 

Be wary of Global Arrow, they are quite aggressive litigants.

A couple of hundred years ago Meyer Amshel, (1743-1812), founder of the Rothschild dynasty is reported to have told his five sons, “Let me control a nation’s money and I care not who writes its laws”.

 

PLEASE NOTE - I am not a legal expert, what I have written is my own opinion garnered from reading this forum and consumer legislation, and my own experience of the judicial process.

 

If I have been helpful, please feel free to tickle my scales!!

Link to post
Share on other sites

Thanks DocH. It is very strange that they haven't contacted me and I haven't moved house since the CCJ.

 

I did receive notification of the CCJ (have the docs in front of me) but I have never been contacted by Arrow nor notified by anyone (lloyds or the court) of the change. How do I prove this though? Show the court my empty hands and say "look, no letters!" :p

 

After much research on this site I'm tempted to just leave it for now. Since they aren't interested in chasing and it's been almost 3 years, then I don't want to stir up the hornets nest.

Link to post
Share on other sites

I did receive notification of the CCJ (have the docs in front of me) but I have never been contacted by Arrow nor notified by anyone (lloyds or the court) of the change. How do I prove this though? Show the court my empty hands and say "look, no letters!" :p

 

The burden of proof is on the claimants, not the defendant.

 

After much research on this site I'm tempted to just leave it for now. Since they aren't interested in chasing and it's been almost 3 years, then I don't want to stir up the hornets nest.

 

Well if they do start chasing you remember there is the set aside option as you did not submit a defence.

A couple of hundred years ago Meyer Amshel, (1743-1812), founder of the Rothschild dynasty is reported to have told his five sons, “Let me control a nation’s money and I care not who writes its laws”.

 

PLEASE NOTE - I am not a legal expert, what I have written is my own opinion garnered from reading this forum and consumer legislation, and my own experience of the judicial process.

 

If I have been helpful, please feel free to tickle my scales!!

Link to post
Share on other sites

The burden of proof is on the claimants, not the defendant.

 

Excellent! I will contact the court and inform them of this.

 

Well if they do start chasing you remember there is the set aside option as you did not submit a defence.

 

I did read up on this but I thought this had to be done within 28 days and the chances of the court setting aside a CCJ after this long was slim to none. Plus I'd need a very good reason. I need to research further.

Link to post
Share on other sites

Excellent! I will contact the court and inform them of this.

 

You will only need to inform the court if Global start enforcement action. I'd leave sleeping dogs alone for the moment.;)

 

I did read up on this but I thought this had to be done within 28 days and the chances of the court setting aside a CCJ after this long was slim to none. Plus I'd need a very good reason. I need to research further.

 

You could start your research by consulting the Civil Procedure Rules, specifically 13.2:

 

PART 13 - SETTING ASIDE OR VARYING DEFAULT JUDGMENT

 

and the National Debtline:

 

National Debtline England & Wales | Debt Advice | Factsheet 12 How To Set Aside A Judgment In The County Court

A couple of hundred years ago Meyer Amshel, (1743-1812), founder of the Rothschild dynasty is reported to have told his five sons, “Let me control a nation’s money and I care not who writes its laws”.

 

PLEASE NOTE - I am not a legal expert, what I have written is my own opinion garnered from reading this forum and consumer legislation, and my own experience of the judicial process.

 

If I have been helpful, please feel free to tickle my scales!!

Link to post
Share on other sites

last dec lowlifes chased me for a old debt from lloyds tsb,there had been a ccj in place on this debt ,like you i had never payed it and tsb never enforced it,

leeds losers came out of the woodwork claiming ownership 18 months after it fell from my credit file.

they would not except it was statute barred (because of ccj)

they had the court details due to the fact that they had done 2 traces on my credit file, first one 6weeks before it was due to fall off,then 9 weeks later,....

they had to admit defeat but only because they could not get cca / or doa from lloyds

 

not dealt with global,so dont know if they are as stupid as lowell,if i was you as advised above id leave it sleeping till they start contact, good luck.

 

sam:plowell detester

Link to post
Share on other sites

  • Recently Browsing   0 Caggers

    • No registered users viewing this page.

  • Have we helped you ...?


×
×
  • Create New...