Jump to content


  • Tweets

  • Posts

    • The case against the US-based ride-hailing giant is being brought on behalf of over 10,800 drivers.View the full article
    • I have just read the smaller print on their signs. It says that you can pay at the end of your parking session. given that you have ten minutes grace period the 35 seconds could easily have been taken up with walking back to your car, switching on the engine and then driving out. Even in my younger days when I used to regularly exceed speed limits, I doubt I could have done that in 35 seconds even when I  had a TR5.
    • Makers of insect-based animal feed hope to be able to compete with soybeans on price.View the full article
    • Thank you for posting up the results from the sar. The PCN is not compliant with the Protection of Freedoms Act 2012 Schedule 4. Under Section 9 [2][a] they are supposed to specify the parking time. the photographs show your car in motion both entering and leaving the car park thus not parking. If you have to do a Witness Statement later should they finally take you to Court you will have to continue to state that even though you stayed there for several hours in a small car park and the difference between the ANPR times and the actual parking period may only be a matter of a few minutes  nevertheless the CEL have failed to comply with the Act by failing to specify the parking period. However it looks as if your appeal revealed you were the driver the deficient PCN will not help you as the driver. I suspect that it may have been an appeal from the pub that meant that CEL offered you partly a way out  by allowing you to claim you had made an error in registering your vehicle reg. number . This enabled them to reduce the charge to £20 despite them acknowledging that you hadn't registered at all. We have not seen the signs in the car park yet so we do not what is said on them and all the signs say the same thing. It would be unusual for a pub to have  a Permit Holders Only sign which may discourage casual motorists from stopping there. But if that is the sign then as it prohibits any one who doesn't have a permit, then it cannot form a contract with motorists though it may depend on how the signs are worded.
    • Defence and Counterclaim Claim number XXX Claimant Civil Enforcement Limited Defendant XXXXXXXXXXXXX   How much of the claim do you dispute? I dispute the full amount claimed as shown on the claim form.   Do you dispute this claim because you have already paid it? No, for other reasons.   Defence 1. The Defendant is the recorded keeper of XXXXXXX  2. It is denied that the Defendant entered into a contract with the Claimant. 3. As held by the Upper Tax Tribunal in Vehicle Control Services Limited v HMRC [2012] UKUT 129 (TCC), any contract requires offer and acceptance. The Claimant was simply contracted by the landowner to provide car-park management services and is not capable of entering into a contract with the Defendant on its own account, as the car park is owned by and the terms of entry set by the landowner. Accordingly, it is denied that the Claimant has authority to bring this claim. 4. In any case it is denied that the Defendant broke the terms of a contract with the Claimant. 5. The Claimant is attempting double recovery by adding an additional sum not included in the original offer. 6. In a further abuse of the legal process the Claimant is claiming £50 legal representative's costs, even though they have no legal representative. 7. The Particulars of Claim is denied in its entirety. It is denied that the Claimant is entitled to the relief claimed or any relief at all. Signed I am the Defendant - I believe that the facts stated in this form are true XXXXXXXXXXX 01/05/2024   Defendant's date of birth XXXXXXXXXX   Address to which notices about this claim can be sent to you  
  • 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

Can anyone help ??


style="text-align: center;">  

Thread Locked

because no one has posted on it for the last 5731 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

Im looking for advice on making a claim against a so called "friend" who borrowed money from me last year (£2,200) and has stopped paying this back with still a considerable sum owed ( over £1600 ) which I am having to pay back myself to a credit card company. It's getting difficult for me to keep up the minimum payments due. What's the best action to take ? They are ignoring my mail and telephone calls. :(

Braveheart

Link to post
Share on other sites

Im looking for advice on making a claim against a so called "friend" who borrowed money from me last year (£2,200) and has stopped paying this back with still a considerable sum owed ( over £1600 ) which I am having to pay back myself to a credit card company. It's getting difficult for me to keep up the minimum payments due. What's the best action to take ? They are ignoring my mail and telephone calls. :sad:

Braveheart

Link to post
Share on other sites

I'm sorry to say but you are really going to struggle in getting your money back. Unless you had any legal documents drawn up stating it was a loan and that he intended to pay it back. but the legality of such an agreement may be hard to prove, but these agreements are not enforcible in many cases. Before anyone lends money to anyone else they need to take a moment to think of the commitment they too are making. Is this a person you know well enough to assume that he or she will be able to pay back, is he/she likely to do so and so on. After all the money wasn't stolen, you were willing to lend it and that would include considering the possible risks. No one can assume that money lent will be paid back.

I would have said that their was a possible risk from the outset. The fact that he had to borrow money suggests that they were not in the best position financially and unless they had a change in circumstances paying it back it was always going to be a difficult. Even if you got it enforced, does he even have the means to pay it back. You could end up receiving a very little amount over a very long period. Unfortunately there are many people to be found anywhere in the world that are willing to try for an "easy profit" without regard for the other person. Sorry i can't be more positive for you and wish you good luck in getting your money back.

 

A person is only as big as the dream they dare to live.

 

 

Good things come to he who waits

 

 

Its your money taken unlawfully from your account and you have a legal right to claim it back.

Link to post
Share on other sites

Do you have anything in writing to support your position that money was loaned and not paid back?

HAVE YOU BEEN TREATED UNFAIRLY BY CREDITORS OR DCA's?

 

BEWARE OF CLAIMS MANAGEMENT COMPANIES OFFERING TO WRITE OFF YOUR DEBTS.

 

 

Please note opinions given by rory32 are offered informally as a lay-person in good faith based on personal experience. For legal advice, you must always consult a registered and insured lawyer.

Link to post
Share on other sites

I have emails that I have sent confirming payment and money outstanding with replies attached stating that payments will be made etc and also a signed note that was inserted with a payment saying sorry that the payment was late and not what was agreed and future payments will be made on time.

Braveheart

Link to post
Share on other sites

Well that certainly helps. Do you know if this "friend" is in a position to pay e.g. is working, but is simply not bothering to pay?

HAVE YOU BEEN TREATED UNFAIRLY BY CREDITORS OR DCA's?

 

BEWARE OF CLAIMS MANAGEMENT COMPANIES OFFERING TO WRITE OFF YOUR DEBTS.

 

 

Please note opinions given by rory32 are offered informally as a lay-person in good faith based on personal experience. For legal advice, you must always consult a registered and insured lawyer.

Link to post
Share on other sites

Yes they are in a position to pay, the spouse is self employed and does have on-going work so they have an income, just prefer to spend their money on other things eg holidays etc. and make it known to me which is even more galling.

Braveheart

Link to post
Share on other sites

Okay. I would get on with the claim then. Often just receiving a claim against them will give people the kick up the backside required to sort it out.

 

 

Have you sent a Letter Before Action informing them that you will bring legal proceedings agaist them if they don't pay?

HAVE YOU BEEN TREATED UNFAIRLY BY CREDITORS OR DCA's?

 

BEWARE OF CLAIMS MANAGEMENT COMPANIES OFFERING TO WRITE OFF YOUR DEBTS.

 

 

Please note opinions given by rory32 are offered informally as a lay-person in good faith based on personal experience. For legal advice, you must always consult a registered and insured lawyer.

Link to post
Share on other sites

I have sucessfully sued a couple of ppl and they have CCJs against them. They have paid back one account and the other they have not paid since christmas but due to other things happening in both our familys it has been put to one side by us both.

 

Yes it is risky and yes they could defend but if they dont, like mine did not, then you win by deafult.

 

You also need to ask yourself a few questions first.

 

1) if you was to claim would it be worth it.

2) if you did claim how likely are they to respond to court papers?

3) If you did claim would they no enough about the law to have a nil judgement made?

 

4) woud it not be easier for you to say ok can cut your loses and mark this one down to experiance?

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

I did send an email yesterday stating the amounts outstanding etc and the next due date for payment but as expected have not had a reply. Is there a template around for Letter Before Action, I want to make sure that I get the wording right etc, and can I take the next steps for court action online or does that have to be done with the courts in person ? Not been down this road before so a complete novice.

Braveheart

Link to post
Share on other sites

I have sucessfully sued a couple of ppl and they have CCJs against them. They have paid back one account and the other they have not paid since christmas but due to other things happening in both our familys it has been put to one side by us both.

 

Yes it is risky and yes they could defend but if they dont, like mine did not, then you win by deafult.

 

You also need to ask yourself a few questions first.

 

1) if you was to claim would it be worth it.

2) if you did claim how likely are they to respond to court papers?

3) If you did claim would they no enough about the law to have a nil judgement made?

 

4) woud it not be easier for you to say ok can cut your loses and mark this one down to experiance?

 

 

Well today I have sent an LBA letter by special delivery. I have to wait now to see what the outcome of that is.

there is no way I am going to sit back and "put this down to experience". This debt will put me in financial difficulty, I cannot afford to pay anything over and above the minimum payment, I am on my own with one income and a mortgage etc. I have to try all means possible to recover the money.

Braveheart

Link to post
Share on other sites

well as long as u understand this is a risky then go for it

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

Thanks for your advice.

 

As I have only just found this site over the weekend it can be quite confusingto say the least, there seems to be some conflicting advice from different people who add to threads about which route to go down. I have been reading a thread from someone in a similar situation as myself and all the response seems to have been in their favour. I do have some correspondence from the "borrower" eg reply to emails I have sent quoting missed payments/next payment due by/and total outstanding to date to which they have replied and acknowledged saying "you will have this by due date". Also got a letter received with last payment apologising for it being late and promising that future payments will be paid on time (with a signature). Maybe I didn't put enough information in my original post ??

Braveheart

Link to post
Share on other sites

2 threads merged.

HAVE YOU BEEN TREATED UNFAIRLY BY CREDITORS OR DCA's?

 

BEWARE OF CLAIMS MANAGEMENT COMPANIES OFFERING TO WRITE OFF YOUR DEBTS.

 

 

Please note opinions given by rory32 are offered informally as a lay-person in good faith based on personal experience. For legal advice, you must always consult a registered and insured lawyer.

Link to post
Share on other sites

Thanks for your advice.

 

As I have only just found this site over the weekend it can be quite confusingto say the least, there seems to be some conflicting advice from different people who add to threads about which route to go down. I have been reading a thread from someone in a similar situation as myself and all the response seems to have been in their favour. I do have some correspondence from the "borrower" eg reply to emails I have sent quoting missed payments/next payment due by/and total outstanding to date to which they have replied and acknowledged saying "you will have this by due date". Also got a letter received with last payment apologising for it being late and promising that future payments will be paid on time (with a signature). Maybe I didn't put enough information in my original post ??

 

Yes but even with theis it is still risky the defendant could say you made him pay that amount /sign the letter due to harrassement for the money and they paid the money even thought they could not afford it.

 

they could make u look very bad in court.

 

How likely is this guy to answer court papers and how likely if he does answer them is he to defend the case?

 

i will help u with the court papers if necessary.

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

Yes but even with theis it is still risky the defendant could say you made him pay that amount /sign the letter due to harrassement for the money and they paid the money even thought they could not afford it.

 

they could make u look very bad in court.

 

How likely is this guy to answer court papers and how likely if he does answer them is he to defend the case?

 

i will help u with the court papers if necessary.

 

Thanks GM. Firstly the friend is female, she was the one burying her head in the sand at the beginning when I had to ask for some form of payment as I didnt have the means to make it myself. She never answered my request but passed the text message over to her husband who came to see me, he apologised for her, she made the excuse that she was up to her eyes in course work at Uni and thought he was dealing with the payments, I told him that was no excuse as they both knew that payments were long overdue (10 weeks) and she was putting all the onus on him to explain. I went a bit ballistic with him for obvious reasons, due to me paying the last 3 payments I ended up overdrawn at the bank and incurred bank charges through it and little or nothing to see me though until my next pay day. He asked if they could start afresh and make an agreement with him to come pay me every Thur with £50 a week and more as and when he could afford to until the debt was clear. I reluctantly agreed but he knew I was unhappy. When the 1st payment after that was due he never turned up, I got up on the Sunday to an envelope thru my door at 7am with a letter and £30 saying sorry its late and will definately be on time next week with the agreed amount. Needless to say that never happened either. I text them both over a week later when he promised to come to my home at a specific time to pay off the existing amount outstanding. He said that he had sold his house and would pay me off in full as soon as the financial side of it was sorted yet she told another friend that his place had been re-possessed. Between them they have let me down time and time again. That was about 5 weeks ago. They are not answering my calls or text messages even though the last message was to say if they didnt pay £100 immediately to cover the next payment then I would be taking court action against them. Again this has been ignored. Last correspondence was the LBA letter sent special delivery today giving them 7 days notice ( didnt think there was much point giving them 14 days as I would honestly be surprised to get a response). that's the story up until now. dont know if this is any clearer for you and yes I would welcome any help with the court papers etc.

Braveheart

Link to post
Share on other sites

Yes that is a lot clearer to me know.

 

Sorry for saying him instead of her but as u can understand it is commenly thought everything or one is male even now.

 

When you are ready i will help u with claim forms.

the good news for you is you can add interest and the bank charges you recieved in relation to this money.

 

My advise to you rite now is go out and buy a recipt/duplicate book. the courts will ask you to give the person a recipt everytime they give you money. This is just in case they try and cause cause a problem buy saying they have paid u £100 more then they actually have. Also please remember you need to been see as acting responsibly and within the law.

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

Yes that is a lot clearer to me know.

 

Sorry for saying him instead of her but as u can understand it is commenly thought everything or one is male even now.

 

When you are ready i will help u with claim forms.

the good news for you is you can add interest and the bank charges you recieved in relation to this money.

 

My advise to you rite now is go out and buy a recipt/duplicate book. the courts will ask you to give the person a recipt everytime they give you money. This is just in case they try and cause cause a problem buy saying they have paid u £100 more then they actually have. Also please remember you need to been see as acting responsibly and within the law.

 

I have taken on board what you are saying, and as intend to see this thru will act accordingly. I have just tracked the LBA from yesterday and it has been delivered. I have c&p the delivery from the post office for future reference should it be needed. Thanks

Braveheart

Link to post
Share on other sites

YW yest that would be needed as if the defendant argues it was not recieved then u have evidence it was.

 

Shout if you need anything.

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

YW

 

Shout if you need anything.

 

 

Where do I get the application for the claim that I have to make being as it is over £1600. I remember reading somewhere that the Small Claim is only up to £1500. Can I download the appropriate forms from the site or do I have to obtain them from elsewhere.

As you can see I need all the help I can get as I havent a clue where to start

:confused:

Braveheart

Link to post
Share on other sites

Hi,

 

Small Claims Limit is now £3,000.

 

You'll find the forms in here.

 

http://www.consumeractiongroup.co.uk/forum/guidance-notes/11123-scottish-procedure.html

 

This is a Bank Charges link, but I'm sure you can use the same forms.

 

Regards.

 

Scott.

Any advice I give is honest and in good faith.:)

If in doubt, you should seek the opinion of a Qualified Professional.

If you can, please donate to this site.

Help keep it up and active, helping people like you.

If you no longer require help, please do what you can to help others

RIP: Rooster-UK - MARTIN3030 - cerberusalert

Link to post
Share on other sites

Her Majesty's Courts Service - Home

 

i dont know is they are the same form for scotland but u could always look on there to see if ur local courts are registered

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

Hi,

 

Small Claims Limit is now £3,000.

 

You'll find the forms in here.

 

http://www.consumeractiongroup.co.uk/forum/guidance-notes/11123-scottish-procedure.html

 

This is a Bank Charges link, but I'm sure you can use the same forms.

 

Regards.

 

Scott.

 

 

Thanks Scott, I have had a look at the forms and will get them filled out and get them down to the Sherriff Court mid week if I have had no response to the LBA letter sent.

Braveheart

Link to post
Share on other sites

Scott,

 

When did the small claims limit go down?

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

  • Recently Browsing   0 Caggers

    • No registered users viewing this page.

  • Have we helped you ...?


×
×
  • Create New...