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    • I don't understand the bit about looking after your own being criminal, TJ. Could you expand on that please?
    • A somewhat good result. After more chasing, they've sent me a spreadsheet of the accounts for fire protection, water charges and electric.  Communal Electricity - Estimated £45.00, Actual £241.73 - Revised: £41.63 Communal Water - Estimated £3.66, Actual £234.91 - Revised: £76.96 Fire Protection - Estimated £2.08, Actual £147.65 - Revised: £51.15 Still it seems too high, the total for this estate alone for water charges came to £62,950.07 last year. The thing is, they've listed blocks that don't seem to exist on our estate. Possibly from the new development that has only just been built on the estate, which was finished in the summer this year.     
    • The largest ever amount that went into that account was £500 which was about 7 months before it was blocked.    There was no going forward income as the 1st lockdown came 6 weeks later and I went straight onto universal credit after that and have been on it ever since.    Bottom line, at the time it was the only account I had add and all of my savings of £16500 were in there which I had no access to after it was blocked. Tried to contact the car finance company but no one was available throughout the pandemic likewise many other companies who registered a default
    • so you got the original letter asking for your side of the story and replied by email. post up what you said in your reply by email please and their reply.   you later got a letter stating this will be heard by the simple justice proceedure at xyz court on xyz date but still inviting you comment or plea?   how many time and how many days did you use this for and WHAT EXCATLY (the bit in black) on the letter from the SJP court have you been charged with..??   one specific event on xyz date ,...with other uses being by tickboxes to be taken into consideration and wiped if you agree?   what DATE is the court hearing?
    • A more controversial point is that Johnson has made it illegal to look after your family, requiring you to choose between them.   No one I know doubts or questions that people hosting raves and such like should be prosecuted given the situation, just as those gathering for fox hunts and grouse shoots should be, but effectively making people who are simply trying to safely and sensibly look after their own into criminals while the government pals do whatever they like and are thrown taxpayer money by the BILLION for nothing is obnoxious and abhorrent, especially when you can go to a restaurant or supermarket or transport hub and be in close contact with hundreds of strangers.     Oh look - 6 + 1 in close contact from 14+ households and only one wearing a mask - leading by appallingly bad example.    
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it would indeed MM

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but this time im doing it with representation im sorting that out now

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.

 

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POMPEYFAITH V Co-Op PPI

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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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If there's no CCJ and you stop paying the £20 along the line, am I right in assuming that MBNA would have to start court proceedings all over again?

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If there's no CCJ and you stop paying the £20 along the line, am I right in assuming that MBNA would have to start court proceedings all over again?

 

No they would enforce the CCJ because of non payment.

 

 

Regards

 

Andy

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exactly andy and i dont want the risk of missing a payment or them bending the law so i miss a payment and as ive said i cant 4 one min see them keeping to the order 4 26 yrs

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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Who as signed a consent order ?:confused:

 

Andy

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no underdog no judgement was passed a consent order agreed between me there sols and the judge but the judges words were if i did not keep to it they could sue

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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OOps apologies Leon I wasnt aware you had made the consent.Will have to read slower;)

 

Ok the Consent Order acts as a contract between yourself and the Claimant . If you break the agreement then the Claimant can go back to court to enforce the agreement against you.

 

I trust that clarifies

 

Regards

 

Andy

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Ok the Consent Order acts as a contract between yourself and the Claimant . If you break the agreement then the Claimant can go back to court to enforce the agreement against you.

 

 

Sorry to keep harping on Andy ;) but I take it by "agreement" you mean the consent order that PF signed as opposed to the original consumer credit agreement?

 

So, if MBNA go back to court (if PF stops paying etc) then they will be looking to enforce the consent order and not the original agreement.

 

Apologies if this is exasperating for you!!:p

If you feel I've helped then by all means click my star to the left...a simple "thank you" costs nothing! ;)

 

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Sorry to keep harping on Andy ;) but I take it by "agreement" you mean the consent order that PF signed as opposed to the original consumer credit agreement?

 

So, if MBNA go back to court (if PF stops paying etc) then they will be looking to enforce the consent order and not the original agreement.

 

Apologies if this is exasperating for you!!:p

 

Correct WelshMan

 

Regards

 

Andy

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andy in your opinion do u think that mbna will kedp to the order 4 the next 26 yrs also IMO they agreed to such a low amount because of the changed date and clause on the DN

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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Hi leon

 

Works both ways if they fail to to adhere to the Consent Order you both go back to Court and reinforce the terms again.MBNA will be happy with the £20.00 they know their paperwork is not in order and another day another savvy DJ they may well not have even got £20.00 but the case thrown out.In all honestly leon as i said in my earlier post i would tend not to prod the Bear further and put this matter behind you.

By all means stay active on Cag, you have gained so much expierience on your journey and can pass this on to others who may find themselves in your predicament.

Let them have their £20.00 per month forever and a day but you was the winner, you stopped the CCJ and and their intended Charging Order.

 

Best Regards to you and your Family.

 

Andy:)

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thanks PT 4 your comments right now they are most welcome as i am torn apart as to how to play this, can u expand on the above TY

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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Fraud as tort

 

Fraud, in addition to being a criminal act, is also a type of civil law violation known as a tort. A tort is a civil wrong for which the law provides a remedy. A civil fraud typically involves the act of intentionally making a false representation of a material fact, with the intent to deceive, which is reasonably relied upon by another person to that person's detriment. A "false representation" can take many forms, such as:

 

  • A false statement of fact, known to be false at the time it was made;
  • A statement of fact with no reasonable basis to make that statement;
  • A promise of future performance made with an intent, at the time the promise was made, not to perform as promised;
  • A statement of opinion based on a false statement of fact;
  • A statement of opinion that the maker knows to be false; or
  • An expression of opinion that is false, made by one claiming or implying to have special knowledge of the subject matter of the opinion. "Special knowledge" in this case means knowledge or information superior to that possessed by the other party, and to which the other party did not have equal access.
  • An intentional omission or concealment of some material fact done with the design of deceiving another party, and done with the intent that the other party rely on the deception.[1], [2]

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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A consent decree (also referred to as a consent order) is a judicial decree expressing a voluntary agreement between parties to a suit, especially an agreement by a defendant to cease activities alleged by the government to be illegal in return for an end to the charges. Consent decrees are used most commonly in criminal law and family law, and sometimes in United States antitrust law.

A consent decree can be either interlocutory or final. The former is given on some plea or issue arising in the cause which does not decide the main question; the latter settles the matter in dispute, and a final decree has the same effect as a judgment at law.

Once entered, a consent decree is binding on the consenting parties and cannot be reviewed except on a showing that the consent was obtained by fraud or that the decree was based on mutual error or a failure of consent.

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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My trial was Monday gone and I've not had the order though the post yet, anything to worry about or is this the norm ?

 

Regards

 

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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My trial was Monday gone and I've not had the order though the post yet, anything to worry about or is this the norm ?

 

Regards

 

PF

 

Dont worry I had a hearing on 22/5/09 and only got the order today. Depends on backlog

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Fairbyblue,

 

Okey Dokey thanks

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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