Jump to content


  • Tweets

  • Posts

    • The Contract itself The airport is actually owned by the Ontario Teachers Pension Plan. There should be an authority from them for Bristol airport group  to sign on their behalf. Without it the contract is invalid. The contract has so many  clauses redacted that it is questionable as to its fairness with regard to the Defendants ability to receive a fair trial. In the case of WH Holding Ltd, West Ham United Football Club Ltd -v- E20 Stadium LLP [2018],  In reaching its decision, the Court gave a clear warning to parties involved in litigation: ‘given the difficulties and suspicions to which extensive redaction inevitably gives rise, parties who decide to adopt such an appropriate in disclosure must take enhanced care to ensure that such redactions are accurately made, and must be prepared to suffer costs consequences if they are not’. The contract is also invalid as the signatories are required to have their signatures co-signed by independent witnesses. There is obviously a question of the date of the signatures not being signed until 16 days after the start of the contract. There is a question too about the photographs. They are supposed to be contemporaneous not taken several months before when the signage may have been different or have moved or damaged since then. The Defendant respectfully asks the Court therefore to treat the contract as invalid or void. With no contract there can be no breach. Indeed even were the contract regarded as valid there would be no breach It is hard to understand why this case was brought to Court as there appears to be no reasonable cause to apply to the DVLA.............
    • Danny - point taken about the blue paragraphs.  Including them doesn't harm your case in any way.  It makes no odds.  It's just that over the years we've had judges often remarking on how concise & clear Caggers' WSs have been compared to the Encyclopaedia Britannica-length rubbish that the PPCs send, so I always have a slight preference to cut out anything necessary. Don't send off the WS straight away .. you have plenty of time ... and let's just say that LFI is the Contract King so give him a couple of days to look through it with a fine-tooth comb.
    • Do you have broadband at home? A permanent move to e.g. Sky Glass may not fit with your desire to keep your digibox,, but can you move the items you most want off the digibox? If so, Sky Glass might suit you. You might ask Sky to loan you a “puck” and provide access as an interim measure. another option might be using Sky Go, at least short term, to give you access to some of the Sky programming while awaiting the dish being sorted.
    • £85PCM to sky, what!! why are you paying so much, what did you watch on sky thats not on freeview?  
    • Between yourself and Dave you have produced a very good WS. However if you were to do a harder hitting WS it may be that VCS would be more likely to cancel prior to a hearing. The Contract . VCS [Jake Burgess?] are trying to conflate parking in a car park to driving along a road in order to defend the indefensible. It is well known that "NO Stopping " cannot form a contract as it is prohibitory. VCS know that well as they lose time and again in Court when claiming it is contractual. By mixing up parking with driving they hope to deflect from the fact trying to claim that No Stopping is contractual is tantamount to perjury. No wonder mr Burgess doesn't want to appear in Court. Conflation also disguises the fact that while parking in a car park for a period of time can be interpreted as the acceptance of the contract that is not the case while driving down a road. The Defendant was going to the airport so it is ludicrous to suggest that driving by a No Stopping  sign is tacitly accepting  the  contract -especially as no contract is even being offered. And even if a motorist did not wish to be bound by the so called contract what could they do? Forfeit their flight and still have to stop their car to turn around? Put like that the whole scenario posed by Mr Burgess that the Defendant accepted the contract by driving past the sign is absolutely absurd and indefensible. I certainly would not want to appear in Court defending that statement either. --------------------------------------------------------------------------------------------------------------------------------------------------------- I will do the contract itself later.
  • 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

what do I do next-Barclaycard/Cohen Court date


corbeta
style="text-align: center;">  

Thread Locked

because no one has posted on it for the last 5562 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

  • Replies 81
  • Created
  • Last Reply

Top Posters In This Topic

Top Posters In This Topic

Posted Images

It is, but you've left your details on there. Best to blank them out and re-post it.

A couple of hundred years ago Meyer Amshel, (1743-1812), founder of the Rothschild dynasty is reported to have told his five sons, “Let me control a nation’s money and I care not who writes its laws”.

 

PLEASE NOTE - I am not a legal expert, what I have written is my own opinion garnered from reading this forum and consumer legislation, and my own experience of the judicial process.

 

If I have been helpful, please feel free to tickle my scales!!

Link to post
Share on other sites

I can't see any prescribed terms on there, but it is extremely difficult to read. What does that bar code sticker cover? Is your unscanned copy any more legible?

A couple of hundred years ago Meyer Amshel, (1743-1812), founder of the Rothschild dynasty is reported to have told his five sons, “Let me control a nation’s money and I care not who writes its laws”.

 

PLEASE NOTE - I am not a legal expert, what I have written is my own opinion garnered from reading this forum and consumer legislation, and my own experience of the judicial process.

 

If I have been helpful, please feel free to tickle my scales!!

Link to post
Share on other sites

Unscanned copy is not much better.

 

under the barcode is fuzzy black on all copies. the bottom bit for bank use only is the bit they fill in in branch about ID and stuff, but the barclays signatory bit is also black and fuzzy.

 

they have sent me a terms and conditions sheet, that is nothing to do with the credit agreement and is undated

 

i cant find any prescribed terms anywhere in the document, mainly cause its illegible!

Link to post
Share on other sites

Well if it's illegible how can it be enforced?;)

The Consumer Action Group is a free help site.

Should you be offered help that requires payment please report it to site team.

Advice & opinions given by Caro are personal, are not endorsed by Consumer Action Group or Bank Action Group, and are offered informally, without prejudice & without liability. Your decisions and actions are your own, and should you be in any doubt, you are advised to seek the opinion of a qualified professional.

Link to post
Share on other sites

well that was my thinking caro, however there seems to be an increasing trend that judgments are being awarded that fly in the face of the CCA, which is my biggest concern.

 

i am in court on the third (feb) but still have no bundle or witness statement from Cohens, because i guess of the mess up with me not receiving the initial letter from the court.

 

whats more, they have sent me some paperwork in response to my CPR request and i need some advice on the following:

 

Application form relates to old student barclaycard. terms and conditions they have supplied are a seperate sheet and undated. I applied for this in 1997, however statements date from 2002, for what is a normal barclaycard, not a student one. whats more interesting is that the account numbers change twice between 2002 and 2008-is this a valid point to use.

 

further, the default notice says if action is not taken in respect of breach then debt will become payable in full. if the debt is not paid in full we may pass to DCA or take legal action.

 

does this mean that thye should have issued some kind of termination notice before passing the debt on? (even though they shouldnt have anyway as they were in breach of a CCA request)

Link to post
Share on other sites

Application form relates to old student barclaycard. terms and conditions they have supplied are a seperate sheet and undated. I applied for this in 1997, however statements date from 2002, for what is a normal barclaycard, not a student one. whats more interesting is that the account numbers change twice between 2002 and 2008-is this a valid point to use.

 

Is this the application form we've already looked at or a different one?

 

further, the default notice says if action is not taken in respect of breach then debt will become payable in full. if the debt is not paid in full we may pass to DCA or take legal action.

 

Can you scan a copy of the Default Notice and post it on the thread please. Worth taking a look to see if it is compliant with the Act.

A couple of hundred years ago Meyer Amshel, (1743-1812), founder of the Rothschild dynasty is reported to have told his five sons, “Let me control a nation’s money and I care not who writes its laws”.

 

PLEASE NOTE - I am not a legal expert, what I have written is my own opinion garnered from reading this forum and consumer legislation, and my own experience of the judicial process.

 

If I have been helpful, please feel free to tickle my scales!!

Link to post
Share on other sites

Hi Corbeta

'i am in court on the third (feb) but still have no bundle or witness statement from Cohens, because i guess of the mess up with me not receiving the initial letter from the court.'

 

No, they are most likely delaying until you submit your stuff, thats why its important to leave it until latest possible time so they cant amend anything they have wrong.

Its all part of the game really

Link to post
Share on other sites

Cohens wrote to me today via email, they are going to request an adjournment as they wont have time to prepare witness statement andsubmit bundle to court, as hearing is in a week.

 

i agreed this as to be honest, it will suit me to get more prepared. default http://i702.photobucket.com/albums/ww28/corbeta/scan0002.jpg

 

http://i702.photobucket.com/albums/ww28/corbeta/scan0003.jpg

 

notice wont scan well but have a look...if i didnt receive a formal demand after this default notice does this mean they have failed to comply with their own course of action?

 

did anyone pick up the points about the acount numbers changing

Link to post
Share on other sites

Since becoming an avid fan of this forum I have noticed that CL Finance/Howard Cohen seem to be very busy!!

 

they instigated court action in my case without a letter before action.

 

i have complained as suggested in numerous other threads, as suggested to the senior partner but guess what-no response!!

 

has anyone managed to get a response out of them or taken the lack of response to the next level?:!:

Link to post
Share on other sites

Default Notice is pooped. Section 88(2) of the Act requires the creditor to give you 14 days + 2 days for service, to remedy any breach. They've only given you 13 days + 2 days.

 

You should have had a Letter Before Action.

A couple of hundred years ago Meyer Amshel, (1743-1812), founder of the Rothschild dynasty is reported to have told his five sons, “Let me control a nation’s money and I care not who writes its laws”.

 

PLEASE NOTE - I am not a legal expert, what I have written is my own opinion garnered from reading this forum and consumer legislation, and my own experience of the judicial process.

 

If I have been helpful, please feel free to tickle my scales!!

Link to post
Share on other sites

Be Careful Corbeta,

They could be trying to make you drop your guard, keep an eye on the courts times for you to submit, I wouldnt trust these idiots. Keep the e-mail, just in case they dont do as they have suggested, be prepared to show it in court,

Link to post
Share on other sites

It might also be an idea to give the court a ring the day before the case is due to see if the opposition have indeed applied for an adjournment, if you have not heard from the court in the meantime.

A couple of hundred years ago Meyer Amshel, (1743-1812), founder of the Rothschild dynasty is reported to have told his five sons, “Let me control a nation’s money and I care not who writes its laws”.

 

PLEASE NOTE - I am not a legal expert, what I have written is my own opinion garnered from reading this forum and consumer legislation, and my own experience of the judicial process.

 

If I have been helpful, please feel free to tickle my scales!!

Link to post
Share on other sites

Well the default notice is a bonus!

 

no letter before action is another bonus!

 

their Barrister said a strange thing via email today-they were applying for an adjournment but that I should attend on the 3rd in case they dont get one, or in case the judge hasnt looked at it in time.

 

What should i do if this is the case-they havent submitted a bundle to me or the court and should have done so by today. if the case goes ahead what do i then do? also an adjournment will allow me time to beef up my witness statement so i really dont want to submit it if i dont have to yet.

 

interestingly enough the court order does not ask me to send anything to the court at all-only the claimant. should i be worried?

 

anyone point me to a good bit to use in my witness statement about the dodgy DN and the legislation they have failed to comply with

Link to post
Share on other sites

3 threads merged. Makes it easier for people to follow your progress on one thread.;)

The Consumer Action Group is a free help site.

Should you be offered help that requires payment please report it to site team.

Advice & opinions given by Caro are personal, are not endorsed by Consumer Action Group or Bank Action Group, and are offered informally, without prejudice & without liability. Your decisions and actions are your own, and should you be in any doubt, you are advised to seek the opinion of a qualified professional.

Link to post
Share on other sites

I've nicked this from something 42man wrote. So all credit to him:

 

31. Section 87 clearly sets out that a default notice is a prequsite before a creditor can become entitled to take any action in respect of a regulated credit agreement. For the avoidance of doubt I have included the relevant sections of the Consumer Credit Act 1974 below

87. Need for default notice.

- (1) Service of a notice on the debtor or hirer in accordance with section 88 (a "default notice ") is necessary before the creditor or owner can become entitled, by reason of any breach by the debtor or hirer of a regulated agreement,-

 

(a) to terminate the agreement, or

(b) to demand earlier payment of any sum, or

©to recover possession of any goods or land, or

(d) to treat any right conferred on the debtor or hirer by the agreement as terminated, restricted or deferred, or

(e) to enforce any security.

And further more section 88 states

88. Contents and effect of default notice
.

- (1) The default notice must be in the prescribed form and specify-

 

(a) the nature of the alleged breach;

 

(b) if the breach is capable of remedy, what action is required to remedy it and the date before which that action is to be taken;

 

© if the breach is not capable of remedy, the sum (if any) required to be paid as compensation for the breach, and the date before which it is to be paid.

 

(2) A date specified under subsection
(1) must not be less than fourteen days after the date of service of the default notice, and the creditor or owner shall not take action such as is mentioned in section 87(1) before the date so specified or (if no requirement is made under subsection (1)) before those fourteen days have elapsed.

 

(3) The default notice must not treat as a breach failure to comply with a provision of the agreement which becomes operative only on breach of some other provision, but if the breach of that other provision is not duly remedied or compensation demanded under subsection (1) is not duly paid, or (where no requirement is made under subsection (1)) if the seven days mentioned in subsection (2) have elapsed, the creditor or owner may treat the failure as a breach and section 87(1) shall not apply to it.

 

(4) The default notice must contain information in the prescribed terms about the consequences of failure to comply with it.

 

(5) A default notice making a requirement under subsection (1) may include a provision for the taking of action such as is mentioned in section 87(1) at any time after the restriction imposed by subsection (2) will cease, together with a statement that the provision will be ineffective if the breach is duly remedied or the compensation duly paid.

 

32. The defendant puts the claimant to strict proof that a default notice which is fully compliant with the requirements of the Consumer Credit (Enforcement, Default and Termination Notices) Regulations 1983 (SI 1983/1561) as to its form and contents, was served upon the defendant

 

33. The case of Woodchester Lease Management Services Ltd v Swain & Co - [1998] All ER (D) 339 sets out the importance of a valid default notice and confirms the consequences of non-compliance. Therefore if the claimant cannot produce proof that a compliant default notice has been served, the defendant requests that the court strike out the claimants claim on the grounds of having no reasonable prospect of success especially when considering points 4,5 & 6 above

 

Failure of the Claimant to supply a sufficient letter before action

 

34. The claimant has in the defendants opinion failed to conduct themselves in accordance with the Civil Procedure Rules insofar that they failed to issue a letter before action compliant with the CPR preaction protocols which state

4.3

The claimant's letter should -

(a)

give sufficient concise details to enable the recipient to understand and investigate the claim without extensive further information;

 

(b)

enclose copies of the essential documents which the claimant relies on;

 

©

identify and ask for copies of any essential documents, not in his possession, which the claimant wishes to see;

 

(d)

state (if this is so) that the claimant wishes to enter into mediation or another alternative method of dispute resolution; and

 

(e)

draw attention to the court's powers to impose sanctions for failure to comply with this practice direction and, if the recipient is likely to be unrepresented, enclose a copy of this practice direction.

Not sure on this, but I think you should give the court a ring as soon as possible to clarify if they are expecting anything from you:

 

interestingly enough the court order does not ask me to send anything to the court at all-only the claimant. should i be worried?

A couple of hundred years ago Meyer Amshel, (1743-1812), founder of the Rothschild dynasty is reported to have told his five sons, “Let me control a nation’s money and I care not who writes its laws”.

 

PLEASE NOTE - I am not a legal expert, what I have written is my own opinion garnered from reading this forum and consumer legislation, and my own experience of the judicial process.

 

If I have been helpful, please feel free to tickle my scales!!

Link to post
Share on other sites

thanks guys!

 

had an email from cohen's with the application for adjournment attached. have a telephone conference on Friday for the court to decide whether to grant the adjournment-any ideas on this?:!:

Link to post
Share on other sites

What does the application for adjournment give as the reasons for seeking the adjournment.

A couple of hundred years ago Meyer Amshel, (1743-1812), founder of the Rothschild dynasty is reported to have told his five sons, “Let me control a nation’s money and I care not who writes its laws”.

 

PLEASE NOTE - I am not a legal expert, what I have written is my own opinion garnered from reading this forum and consumer legislation, and my own experience of the judicial process.

 

If I have been helpful, please feel free to tickle my scales!!

Link to post
Share on other sites

well in a nutshell because of my late disclosure(cause i didnt receive the courts letter) they cannot prepare a witness statement in time, even though i offered to have mine done by 26th of Jan, despite the fact that they have failed to comply with my CPR request or acknowledge my complaint about not receiving a aletter before action!!

Link to post
Share on other sites

I would be inclined to point out to the judge that the CCA that they have supplied does not relate to the claim being made and the DN is not a true copy of the original and that you will asking permission of the court for the court to issue an order seeking compliance with your CPR request.

 

I wouldn't mention the complaint about the letter before action, keep it up your sleave for the moment.

Edited by DocH

A couple of hundred years ago Meyer Amshel, (1743-1812), founder of the Rothschild dynasty is reported to have told his five sons, “Let me control a nation’s money and I care not who writes its laws”.

 

PLEASE NOTE - I am not a legal expert, what I have written is my own opinion garnered from reading this forum and consumer legislation, and my own experience of the judicial process.

 

If I have been helpful, please feel free to tickle my scales!!

Link to post
Share on other sites

I don't think you should set too much store by the LBA issue. I don't think it's a show stopper.

The Consumer Action Group is a free help site.

Should you be offered help that requires payment please report it to site team.

Advice & opinions given by Caro are personal, are not endorsed by Consumer Action Group or Bank Action Group, and are offered informally, without prejudice & without liability. Your decisions and actions are your own, and should you be in any doubt, you are advised to seek the opinion of a qualified professional.

Link to post
Share on other sites

  • Recently Browsing   0 Caggers

    • No registered users viewing this page.

  • Have we helped you ...?


×
×
  • Create New...