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    • Hi friends,  I’m a bit worried I may have got confused with timings here. I thought I had 33 days from my acknowledgment to submit a defence but the date added above says 3/6/24.   have I missed the date?   if so how can I apply for an exception due to my disability and problems with deadlines and dates etc (ADHD)?   what should I submit as a defence?   I’ve had no reply from BW so far    just been back on MCOL and it says 28 days from service if I completed an acknowledgment of service so does that mean 28 days from that of acknowledgement (I.e. 16/5) which would make deadline for defence 14/6?   Thanks! Panicking here.
    • Normally we don't advise playing your cards early in a snotty letter, but as you have appealed we might as well use what you wrote in the appeal against them. There is no rush, you have until 6 July to get it to them.  See what the other regulars think too. How about something like this? -   Dear Rachael & Sean, cheers for your Letter of Claim.  I rolled around on the floor in laughter at the idea you'd actually thought I'd take such tripe seriously and would cough up! As usual you'll have been too bone idle to do any due diligence.  Had you done so you would have seen that I appealed to your client.  Indeed the driver on the day is a textbook example of having done exactly what you should do when you do not wish to be bound by the T&Cs in a private car park. Of course none of that mattered to the spivs you represent but do you really want to put such a useless case in front of a judge? To be fair, your clients are very useful members of the human race - as comedians.  How I loved the page turner of their antics at The Citrus Building in Bournemouth.  It was chuckle after chuckle reading about them, letter after letter, month after month, insisting they were legally in the right, even through someone who had done just the first day of a GCSE law course could have told them they weren't.  Until the denouement - BOOM - an absolute hammering in court.  In fact - SLAM, BANG - managing to lose twice against the same motorist for the same car park in front of two different judges. Your client can either drop their foolishness now or get yet another tolchocking* in court where I will go for an unreasonable costs order under CPR 27.14(2)(g) and spend the dosh on a nice summer holiday, while every day laughing at your clients' expense. I look forward to your deafening silence. COPIED TO COUNTRYWIDE PARKING MANAGEMENT LTD   *  This word is used under licence from Brassnecked
    • Well yes, ... and the tax dodgers ... Trump May Owe $100 Million From Double-Dip Tax Breaks, Audit Shows A previously unknown focus of an I.R.S. audit is a dubious accounting maneuver that effectively meant taking the same write-offs twice on a Chicago skyscraper. nytimes.com WWW.NYTIMES.COM  
    • more detest the insurrectional ex variety dx
    • Laura, I was surprised that the Director said that you hadn't appealed twice. I thought that the letter you posted on 24th June was the second appeal and that was to the IAS. And they did say that there was no further appeal possible. Could you please explain how many times you appealed. I am going to read your WS now. PS  Yes I meant to say that the keeper did not have a licence therefore it was wrong of them to assume he was the driver and the keeper. Thanks for picking that up.
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    • 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.
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      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
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What's the Point? Repaying Debt:


Spa2007
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Hi Everyone,

I'm writing to ask if anyone can answer me this.

Why have I suffered and denied my family (for several years) just to have a clean credit report when no lender will lend me any money or give me any credit anyway.

After a period of unemployment several years ago I got myself into a terrible financial mess and have since worked extremely hard to get my mess sorted out and to repair and clean up my credit reports.

We haven't had a holiday for four years and I have denied my kids simple pleasures in order to scrimp and save to repay and clean up my mess.

I've fought hard with the various Credit Reference Agencies and have repaid all of debt.

As things stand today (and for the last year) I only have a current account and a debit card and my credit reports are all in really good shape.

Last week my eldest daughter (16 in January) came to me and asked me if (as a combined Christmas and birthday present) she could get a mobile contract - nothing fancy just £15 per month for 300 min and 300 texts.

She said she's pay £5 per month from her pocket money and I said yes.

I applied online and was denied! DENIED! I thought that this may have been a 'blip' of sorts so I tried another provider and guess what. DENIED!

I've put my family through hell to repay my debt and get myself straight and I can't even get a mobile phone contract!

If I'd just made minimum payments over the years and tried to wriggle my way out of my debts I could have provided a far better quality of life for my family.

Instead we suffered and are no better off then before!

What's the point

I've put my family through hell

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I'm sorry Spa2007; it seems so unjust doesn't it? I think one of the things creditors look at when they are credit scoring is how much money they are likely to make out of you - if you maintain your account well and don't have to pay any charges you are not going to be a cash cow for them. It's nuts, I know.

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Have you attempted to apply for a credit card? Even if its one to rebuild your credit history. Capital one do one, as do aqua and vanquis. They do generally tend to come with a higher interest rate than your usual credit cards. Maybe if you use this a little and pay bills etc on time your credit would increase.

 

It is so silly and makes you think whats the point. Sometimes someone with no credit history is as bad for creditors as someone with default notices left right and centre.

 

Regarding the phone, in the mean time have you looked around at some of the payasyougo type deals that are around? O2 do a month by month type contract, and a lot of them do various unlimited bundles.

Asda does a great payasyougo package 4p calls, 8 p texts, (i ordered the sim card it cost 50p) and you can top up by as little as £5 to get those costs.

 

Best of luck

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