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    • I think it would be a mistake not to respond. Although the circumstances were pretty different, we are dealing with a case elsewhere on this forum where somebody decided not to respond to an email and they ended up in subsequent proceedings paying quite a heavy bill of costs. I thought it was unfair and rather Draconian decision of the judge – but it shows that it can happen. It's clear that you will have to accept the money is satisfaction of judgement. However if you want to play them a bit then I suggest  
    • I received the first signs of life from Shell Energy's "legal counsel" regarding the 1st claim and default judgement awarded against them.   I have attached a redacted copy of the letter where they indicate they look forward to receiveing a letter of confirmation.   I am confident I know why they have sent this request and more importantly how they intend to use any response.   I have prepared two options.   1. Ignore their letter (This is probably the best option).   2. Reply succinctly.     Shell Energy - Warrant of Control Response - Redacted.pdf
    • I found an old defence I used and tweaked a bit. Unfortunately I think I messed up in not asking for a statement in my cpr, while it wasnt referred to in the poc it does have the amount. There were no paragraphs and it looks like it was done on a phone or even an excel import??. I dont know if not requesting the cpr means I cant ask for proof of how they got the amount?   Is that enough about the lack of account details?, I mean my cabot ref is at the top of the page but 100% no aqua account number on here. That would surely come under having to prove    Please feel free to tweak etc. Wasnt sure how to word the s78 stuff as I didnt want to lie with it being not in default till weds.     Photo of poc is shown above to show how lacking it is in format in particular        Defence:   1.     The Defendant contends that the particulars of claim are vague and generic in nature. The Defendant accordingly sets out its case below and relies on CPR r 16.5 (3) in relation to any particular allegation to which a specific response has not been made.   2.     It is accepted I have in the past had agreements with New Day LTD RE Aqua. I do not recall the precise details or agreement and have sought verification from the claimant.   3.     No account details are given in the particulars of claim linking the claim to the defendant.   4.     It is denied or I am unaware of any legal assignment or Notice of Assignment allegedly served by either the Claimant or New Day LTD RE Aqua.   5.     It is denied with regards to the Defendant owing any monies to the Claimant. The Claimant has failed to provide any evidence of the Agreement/Assignment/Default notice or Termination requested by CPR 31. 14, and will shortly be in default of my section 78 request, therefore the Claimant is put to strict proof to:   (a) show how the Defendant has entered into an agreement and; (b) show and evidence the breach and service of a Default Notice pursuant to sec 87(1) CCA1974 on which the Termination referred to relies upon. (c) show how the Defendant has reached the amount claimed for; and (d) show how the Claimant has the legal right, either under statute or equity to issue a claim;   5. As per Civil Procedure Rule 16.5(4), it is expected that the Claimant prove the allegation that the money is owed.   6. On the 17th of November I requested to The Claimants Solicitors, Mortimer Clarke by way of a CPR 31.14 copies of the documents referred to within the Claimants particulars to establish what the claim is for. Mortimer Clarke have failed to fulfill my CPR 31:14 request.   7. On the 16th of November I made a section 78 legal request to the claimant for a copy of the Consumer Credit Agreement. The claimant has as of of 06/12/21 failed to comply.   8. By reason of the facts and matters set out above, it is denied that the Claimant is entitled to the relief claimed or any relief.  
    • Hi Dixon,   If you don't mind, I'm ignoring the CCJ for the moment.   I'm more interested in what you last said to the police about their failure to investigate the fraud against you commited by FTR Ltd and O'Hara.   If you don't want to post it on-thread, send it to me by PM.
    • ok not to put too finer point on the 'silly' mistake ( as in terms of you are a 'litigant in person' - joe public against the 'system') you made on your claim, there are guides on the same website about raising a claim and how to do it properly, but IMHO there should also be LiP leeway regarding this.   did you seek or read any help, as getting the correct entity to sue is quite important, the example you relate too would not be an issue, but suing a corporate entity is, they have lots of money and clever legal eagles.   i have no doubt that, by whatever way, should you rectify this error , you would be successful mind.   on another issue, have you written to apple uk retail offering to mutually settle this if they pay the price of the device or replace it and call it quits?   i will guess this is all you really wanted at the start and now at the end of the day.?   would you seriously lose out money wise if this were agreed?        
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I already have my laptop in my online basket.

Any typos spelling mistakes are due to leprechauns in my keyboard they move the letters around sometimes (edited for bookworm god bless her sole) Deep Peace be with you.

 

“I would say to the House as I said to those who have joined this government: I have

nothing to offer but blood, toil, tears and sweat. We have before us an ordeal of the

most grievous kind. We have before us many, many long months of struggle and of

suffering.

 

You ask, what is our aim? I can answer in one word: Victory. Victory at all costs —

Victory in spite of all terror — Victory, however long and hard the road may be, for

without victory there is no survival.”

 

(Winston Churchill Addressing the House of commons.)

 

All complaints go to the lootube. All conversations go in the white box then you click submit.

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Well Im not holding my breath.

 

Having said that I did notice HSBC has refunded £50 bank charges taken from my account last month without explanation????

 

Maybe they already know the writing is on the wall?

 

Then again, maybe the law lords will just go with the banks (depending how how much their buyout cost?

 

Mailman

 

The banks would have known the outcome a while ago. Give them time to prepare. The changes they have been making the past couple of months is a sign that they have not won.The comments that have been coming from the banks never mentions that they expect to win. HBOS is a state owned bank of which I and you are shareholders now. I expect them to refund me quickly or I will be attending the next shareholders meeting:)

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The banks would have known the outcome a while ago.

 

They have had nearly 2 years to prepare.

 

Are you seriously suggesting they have not been planning for this?

 

If they really wanted there customers to stay with them they would have refunded the charges long before this got to the supreme court.

Any typos spelling mistakes are due to leprechauns in my keyboard they move the letters around sometimes (edited for bookworm god bless her sole) Deep Peace be with you.

 

“I would say to the House as I said to those who have joined this government: I have

nothing to offer but blood, toil, tears and sweat. We have before us an ordeal of the

most grievous kind. We have before us many, many long months of struggle and of

suffering.

 

You ask, what is our aim? I can answer in one word: Victory. Victory at all costs —

Victory in spite of all terror — Victory, however long and hard the road may be, for

without victory there is no survival.”

 

(Winston Churchill Addressing the House of commons.)

 

All complaints go to the lootube. All conversations go in the white box then you click submit.

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They have had nearly 2 years to prepare.

 

Are you seriously suggesting they have not been planning for this?

 

If they really wanted there customers to stay with them they would have refunded the charges long before this got to the supreme court.

 

I am afraid the answer to this lies in the reason this board has thousands of members. For many products we all need now there are limited places we can go.ie Mobiles, gas , electric , banking ect. Therefore all these companies have got rid of the old adage 'The customer is King'. For all the people they upset and go somewhere else, they will replace them with the customers who have been upset by someone else.Therefore the volume of customers dosn't change. We just move somewhere else, who are just as bad. It is basically a legal cartel.This applies to many areas now not just banking.

 

Also I am not suggesting they havent been planning for it, thay will have plans in place for all senarios.

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Also I am not suggesting they havent been planning for it, thay will have plans in place for all senarios.

 

Most scenarios .... There only human after all. (Thieving humans that is.):-)

Any typos spelling mistakes are due to leprechauns in my keyboard they move the letters around sometimes (edited for bookworm god bless her sole) Deep Peace be with you.

 

“I would say to the House as I said to those who have joined this government: I have

nothing to offer but blood, toil, tears and sweat. We have before us an ordeal of the

most grievous kind. We have before us many, many long months of struggle and of

suffering.

 

You ask, what is our aim? I can answer in one word: Victory. Victory at all costs —

Victory in spite of all terror — Victory, however long and hard the road may be, for

without victory there is no survival.”

 

(Winston Churchill Addressing the House of commons.)

 

All complaints go to the lootube. All conversations go in the white box then you click submit.

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Here's the reply from the BBC on my request that Democracy Live cover the Charges decision live and in full. (I hope this means the BBC News website will cover the full works and not just the first 10 minutes.):

 

 

Thanks for your email. I understand the BBC news website will be carrying the bank charges announcement live tomorrow morning and will, no doubt, attract a sizeable audience.

More generally, it has been decided that the Supreme Court's proceedings will not be contained within Democracy Live. This is based on the fact that the court is now totally separate from government and the Houses of Parliament, whose proceedings are at the centre of the site's remit.

I'm grateful for your interest in Democracy Live.

Regards,

Mark

__________________________________________

Mark Coyle

Launch Editor

BBC Democracy Live

Broadcast Centre, London (BC3 B1)

W12 6WA

W: www.bbc.co.uk/democracylive

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Here's the reply from the BBC on my request that Democracy Live cover the Charges decision live and in full. (I hope this means the BBC News website will cover the full works and not just the first 10 minutes.):

 

 

Thanks for your email. I understand the BBC news website will be carrying the bank charges announcement live tomorrow morning and will, no doubt, attract a sizeable audience.

More generally, it has been decided that the Supreme Court's proceedings will not be contained within Democracy Live. This is based on the fact that the court is now totally separate from government and the Houses of Parliament, whose proceedings are at the centre of the site's remit.

I'm grateful for your interest in Democracy Live.

Regards,

Mark

__________________________________________

Mark Coyle

Launch Editor

BBC Democracy Live

Broadcast Centre, London (BC3 B1)

W12 6WA

W: www.bbc.co.uk/democracylive

 

 

You should be impressed with that email.

 

That's a good post

Any typos spelling mistakes are due to leprechauns in my keyboard they move the letters around sometimes (edited for bookworm god bless her sole) Deep Peace be with you.

 

“I would say to the House as I said to those who have joined this government: I have

nothing to offer but blood, toil, tears and sweat. We have before us an ordeal of the

most grievous kind. We have before us many, many long months of struggle and of

suffering.

 

You ask, what is our aim? I can answer in one word: Victory. Victory at all costs —

Victory in spite of all terror — Victory, however long and hard the road may be, for

without victory there is no survival.”

 

(Winston Churchill Addressing the House of commons.)

 

All complaints go to the lootube. All conversations go in the white box then you click submit.

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Wound my heart with a monotonous langour"

 

 

Didn't he used to open the batting for Australia?

 

Els;)

BANK CHARGES CAMPAIGN CONTINUES - PLEASE SIGN THIS PETITION

 

Aktiv Kapital £300.00 SETTLED IN FULL

Capital One £741.47 SETTLED IN FULL

Citi Cards £1221.00 SETTLED IN FULL

LTSB(personal) £3854.28 SETTLED IN FULL

LTSB(business) £7487.97 SETTLED IN FULL

 

What poor education I have received has been gained in the University of Life

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I stopped reading here (10. All of the banks who don't happen to have shares owned directly by the taxpayer should be directed to pay up too, because they wouldn't be here without the system itself, within which they fortunately survived, being bailed out. )

 

This is definitely a liberal site.

Any typos spelling mistakes are due to leprechauns in my keyboard they move the letters around sometimes (edited for bookworm god bless her sole) Deep Peace be with you.

 

“I would say to the House as I said to those who have joined this government: I have

nothing to offer but blood, toil, tears and sweat. We have before us an ordeal of the

most grievous kind. We have before us many, many long months of struggle and of

suffering.

 

You ask, what is our aim? I can answer in one word: Victory. Victory at all costs —

Victory in spite of all terror — Victory, however long and hard the road may be, for

without victory there is no survival.”

 

(Winston Churchill Addressing the House of commons.)

 

All complaints go to the lootube. All conversations go in the white box then you click submit.

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'jclancy' - absolutely brilliant!

Just thought I'd mention a few points from the brilliant report...

 

Point 1. Kind of says something most of us have believed regarding the OFT - The letter 'F' might be a hint?

Point 9. I suspect that whilst taxpayers cash was 'invested' that the directors of the said banks still have full control. After all would we ask Bankers to run the country and Ministers to run the banks, oh hang on that's a bit of a grey area.

Point 15. Of course those sales starting with the words 'free banking' are in reality false and probably open to argument. I would mention that long ago on TV there's a director fa well known bank telling the finance committee that his bank did not intend to charge fees.

Point 16. I would disagree - OMG nationalised banking would be even more so on the road to financial ruin. Who would run it anyway - Let's not answer that one.

 

Seatbelt fastened!

 

Michael

When I was young I thought that money was the most important thing in life; now that I am old I know that it is. (Oscar Wilde)

--I like to be helpful wherever possible however I'm not qualified in this field. I do consider carefully anything important (normally from personal experience) however please understand that any actions taken are at your own risk--

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Take it you do not have an account with Northern Rock InformedSearcher .

Any typos spelling mistakes are due to leprechauns in my keyboard they move the letters around sometimes (edited for bookworm god bless her sole) Deep Peace be with you.

 

“I would say to the House as I said to those who have joined this government: I have

nothing to offer but blood, toil, tears and sweat. We have before us an ordeal of the

most grievous kind. We have before us many, many long months of struggle and of

suffering.

 

You ask, what is our aim? I can answer in one word: Victory. Victory at all costs —

Victory in spite of all terror — Victory, however long and hard the road may be, for

without victory there is no survival.”

 

(Winston Churchill Addressing the House of commons.)

 

All complaints go to the lootube. All conversations go in the white box then you click submit.

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Take it you do not have an account with Northern Rock InformedSearcher .

 

LOL - No.

In fact when I did have money I had friends from my account holding bank. When I no longer had money they no longer spoke to me, degraded my account and decided I was only fit for future discussions with their associates in India, Malaysia and The Phillipines.

 

Michael

When I was young I thought that money was the most important thing in life; now that I am old I know that it is. (Oscar Wilde)

--I like to be helpful wherever possible however I'm not qualified in this field. I do consider carefully anything important (normally from personal experience) however please understand that any actions taken are at your own risk--

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I stopped reading here (10. All of the banks who don't happen to have shares owned directly by the taxpayer should be directed to pay up too, because they wouldn't be here without the system itself, within which they fortunately survived, being bailed out. )

 

This is definitely a liberal site.

 

Thanks for reading up to 10 anyway, Barry_2008; I suspect you would have had apoplexy and snuffed it had you read the rest! We're all on the same side really on this site, even though our political views elsewhere might diverge.

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jclancy,

 

Excellent that just about sums it all up.

 

Well Done

 

PF

If I have been of help to you please feel free to click my scales to the left Thanks.:)

I have no legal training and the advice I offer is what I have learnt here and offered as a matter of support. Before you commit to any Legal action you are advised to contact a qualified legal practitioner.

 

Finally if you succeed with your claim please consider a donation to consumer action group as those donations keep this site alive.

 

CARTER V Co-Op

BANK CHARGES

REFUNDED £3567

 

POMPEYFAITH V Co-Op PPI

OFFER MADE BUT REFUSED

ONGOING AND STILL ONGOING

NOW WITH THE OMBUDSMAN

 

R.I.P BOB aka ROOSTER-UK you have always been a Gent on these boards and you will be remembered for that.

 

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Was in town today doing a bit of xmas shopping, it was market day too so the pedestrian area was heaving with people.

 

Anyway walking past the Halifax something got the better of me lol and I popped my head in thought the door a shouted " I bet you are looking forward to tomorrow" and one gent started clapping followed by a dear old lady.

 

So with that I started walking away to carry on with my business and all the people at the fruit and veg stall opposite did the same lol.

 

I felt quite proud after that and it made me realize that this is a bigger issue than just what goes on here.

 

PF

If I have been of help to you please feel free to click my scales to the left Thanks.:)

I have no legal training and the advice I offer is what I have learnt here and offered as a matter of support. Before you commit to any Legal action you are advised to contact a qualified legal practitioner.

 

Finally if you succeed with your claim please consider a donation to consumer action group as those donations keep this site alive.

 

CARTER V Co-Op

BANK CHARGES

REFUNDED £3567

 

POMPEYFAITH V Co-Op PPI

OFFER MADE BUT REFUSED

ONGOING AND STILL ONGOING

NOW WITH THE OMBUDSMAN

 

R.I.P BOB aka ROOSTER-UK you have always been a Gent on these boards and you will be remembered for that.

 

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At this point and after 3 years of guidance and very positive assistance I should like to thank all those who have 'suffered' me whilst I've attempted to help family and friends.

These include (but not exclusively) Booky, Banky, Martin3030, Gizmo, MF5, GaryH, Car & Slick with a very special place for Zootscoot.

Let's face it one & all it's doubtful whether ANY of us would have achieved much without them.

Come what may I'm sure they (and hopefully we) will go from strength to strength.

Thank you.

Edited by kennyh
correct an omission
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The banks would have known the outcome a while ago. Give them time to prepare. The changes they have been making the past couple of months is a sign that they have not won.The comments that have been coming from the banks never mentions that they expect to win. HBOS is a state owned bank of which I and you are shareholders now. I expect them to refund me quickly or I will be attending the next shareholders meeting:)

 

To be pedantic - HBOS is owned by Lloyds. The Government has a 40% stake in Lloyds.

All comments are my personal views - if in doubt then seek professional advice. If you think i've helped then please tip my scales.

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Good luck everyone.

 

Not sure if I will sleep tonight but I know that I definitely wont sleep tomorrow night if we lose .....

Edited by Stornoway
typo

All comments are my personal views - if in doubt then seek professional advice. If you think i've helped then please tip my scales.

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So where is the best coverage likely to be on TV

 

PF

If I have been of help to you please feel free to click my scales to the left Thanks.:)

I have no legal training and the advice I offer is what I have learnt here and offered as a matter of support. Before you commit to any Legal action you are advised to contact a qualified legal practitioner.

 

Finally if you succeed with your claim please consider a donation to consumer action group as those donations keep this site alive.

 

CARTER V Co-Op

BANK CHARGES

REFUNDED £3567

 

POMPEYFAITH V Co-Op PPI

OFFER MADE BUT REFUSED

ONGOING AND STILL ONGOING

NOW WITH THE OMBUDSMAN

 

R.I.P BOB aka ROOSTER-UK you have always been a Gent on these boards and you will be remembered for that.

 

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