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    • Hello , sorry of this is in the wrong place. I have received in the post a County Court Claim claim form.  This relates to MYJAR and issued by TM Legal relating to a payday loan issued 11/2017, subsequently they issued a default notice 09/2018. The debt isnt on any credit reports.  4/4/2024 I had an email saying a Letter of claim was sent - this was not received , i replied to say I believed the debt was statue barred their response We are aware that the correspondence you have sent, is in a format that is circulated on consumer-based websites whereby debtors are encouraged to use the templates in order to avoid repayment of their debts. We do not accept that the contents of these templates bear any particular relevance to your case. For clarification, in line with the Limitations Act 1908, no claim may be brough after a period of 6 years from the cause of action. The cause of action in this instance is the Notice of Default served upon you by the original creditor on 24th September 2018. As such, the account is not Statute Barred. 10th June 2024 I have received a county court claim form and now i am unsure what to do next and how to complete and respond, I do not want a CCJ. Please help 
    • Please start your own topic in the following forum. https://www.consumeractiongroup.co.uk/forum/121-financial-legal-issues/
    • Hello , sorry of this is in the wrong place. I have received in the post a County Court Claim claim form.  This relates to MYJAR and issued by TM Legal relating to a payday loan issued 11/2017, subsequently they issued a default notice 09/2018. The debt isnt on any credit reports.  4/4/2024 I had an email saying a Letter of claim was sent - this was not received , i replied to say I believed the debt was statue barred their response We are aware that the correspondence you have sent, is in a format that is circulated on consumer-based websites whereby debtors are encouraged to use the templates in order to avoid repayment of their debts. We do not accept that the contents of these templates bear any particular relevance to your case. For clarification, in line with the Limitations Act 1908, no claim may be brough after a period of 6 years from the cause of action. The cause of action in this instance is the Notice of Default served upon you by the original creditor on 24th September 2018. As such, the account is not Statute Barred. 10th June 2024 I have received a county court claim form and now i am unsure what to do next and how to complete and respond, I do not want a CCJ. Please help 
    • Do you want to shake your groove thing but don’t know any steps? Even dad dancing beyond you? Then order ‘Dancing with The Don’ and let Felon Trump teach you all the 'hottest moves Starring classic moves like: whackamole a child, flossing your nostrils, shaking the cell bars, and pointy pointing    
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    • If you are buying a used car – you need to read this survival guide.
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    • 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
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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.
      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
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Home Visit


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Probably checking you live where you say and circumstances you have stated...............

You may receive different advice to your query as people have different experiences and opinions. Please use your own judgement in deciding whose advice to take.

 

If in doubt seek advice from a qualified insured professional. Any advice I have offered you is done so on an informal basis, without prejudice or liability.

 

If you think I have been helpful PLEASE click the scales

 

court bundles for dummies

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and that you're not working..................

You may receive different advice to your query as people have different experiences and opinions. Please use your own judgement in deciding whose advice to take.

 

If in doubt seek advice from a qualified insured professional. Any advice I have offered you is done so on an informal basis, without prejudice or liability.

 

If you think I have been helpful PLEASE click the scales

 

court bundles for dummies

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  • 3 weeks later...

You say you've never had a home visit before ---- you're lucky - since august I've been investigated by the Council - Inland Revenue - Working Tax Credits - Breavement Agency - JSA and others.

 

Sick to the back-teeth of it - and getting paranoid --- but at least I know that somebody is secure in their job!!!!!!!

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HI, from my experience, it is normally just a routine check on the claim. Completely random check in most cases. They have an obligation to ensure that checks are made and they mostly do this by randomly selecting cases.

 

I wouldnt worry to much about it. If you are, just double check that everything you have said is correct, if it is then relax.

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It isn't routine to randomly visit claimants.

 

Without knowing the full story it is likely that there is something on the claim you made that they have to check before they can pay you. The fact that they have told you they are coming means that they are not visiting to check something to do with a fraudulent claim so don't worry about heavy-handed officers interrogating you.

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It isn't routine to randomly visit claimants.

 

Without knowing the full story it is likely that there is something on the claim you made that they have to check before they can pay you. The fact that they have told you they are coming means that they are not visiting to check something to do with a fraudulent claim so don't worry about heavy-handed officers interrogating you.

 

 

Im afraid it is routine to randomly visit to check claims, i know this as I used to sit next to the person who made visits for a couple of years, lovely lady she was, used to make coffee every morning without fail.

 

"It's not uncommon for claimants to receive a visit from Customer Compliance Officer's, it's something the DWP introduced about two years ago, and most often it's to check that you're getting the right amount of benefit you should be on, or that there hasn't been a change in your circumstances which could affect your benefit. This could be that your condition has worsened and you haven't let them know it, or that it's improved and you've failed to declare it.

 

The staff who carry out these visits work mainly from a JobCentre Plus, but Housing Authorities also employ them to check CTB and HB claims.

 

They are not part of the DWP's Fraud Team, most are clerical officers who take your details and report back to their line manager. They do not have the same powers as the fraud team, they can ask you for identification and proof of your income and savings. They cannot interview 'under caution' as they don't have the authority to do this, but after the initial visit, they can pass it to either a local fraud officer, or if serious fraud is suspected, to the DWP's Regional Fraud Team in your area, who both have the authority to interview under PACE rules"

Edited by version302003
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When split from partner I was in quite a state and didnt realise it. I received a call from someone from isupport wanting to come round. She checked my application and decided I should be applying for other benefits, she helped me with original forms and I was granted it.

 

Allthough I am terribly paranoid, if that lady hadnt called I probably wouldnt have known what I was entitled to.

 

So if they call it could also benefit you if you are in similar circumstances.

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Im afraid it is routine to randomly visit to check claims, i know this as I used to sit next to the person who made visits for a couple of years, lovely lady she was, used to make coffee every morning without fail.

 

"It's not uncommon for claimants to receive a visit from Customer Compliance Officer's, it's something the DWP introduced about two years ago, and most often it's to check that you're getting the right amount of benefit you should be on, or that there hasn't been a change in your circumstances which could affect your benefit. This could be that your condition has worsened and you haven't let them know it, or that it's improved and you've failed to declare it.

 

The staff who carry out these visits work mainly from a JobCentre Plus, but Housing Authorities also employ them to check CTB and HB claims.

 

They are not part of the DWP's Fraud Team, most are clerical officers who take your details and report back to their line manager. They do not have the same powers as the fraud team, they can ask you for identification and proof of your income and savings. They cannot interview 'under caution' as they don't have the authority to do this, but after the initial visit, they can pass it to either a local fraud officer, or if serious fraud is suspected, to the DWP's Regional Fraud Team in your area, who both have the authority to interview under PACE rules"

 

Where does this quote come from? Compliance can only visit under certain criteria and not from a pot luck shuffle of claims.

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It isn't routine to randomly visit claimants.

 

Without knowing the full story it is likely that there is something on the claim you made that they have to check before they can pay you. The fact that they have told you they are coming means that they are not visiting to check something to do with a fraudulent claim so don't worry about heavy-handed officers interrogating you.

 

It is comepletely routine to visit claimants and it is becoming more frequent too. And it is pot luck that out of, say, every 100, 5 will be visited.

 

They just go over the claim you made with them and that is basically it.

 

The letter you received sounds like the standard letter sent out for these visits and is nothing to worry about.

 

In fact, the chap who visited my sister was thoroughly decent and actually found she should have been receiving £8 per week more!:)

 

It was he who told us it is random.

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