Jump to content


  • Tweets

  • Posts

    • Yeeeeees! Well done on your victory!  👏
    • Hearing held today in court. I attended in person and Evri had an advocate attend on their behalf to defend their position that my contract is with Packlink and not with them. I also provided a copy of Evri's terms and conditions which explains that a contract is entered into when a parcel is sent with Evri. The judge pointed this out to the Advocate and agreed there is a contract between me and Evri under the Ts and Cs. The judge explained that while Packlink are responsible for organising the delivery of the item, it is Evri who are responsible for handling the goods and delivering them, and therefor Evri has a responsibility to handle the goods with reasonable care and skill. So am pleased to say the judge found in my favour. Hearing lasted about 75mins. Evri has been ordered to make payment within 21 days. Also nice to meet @jk2054 in person.
    • Good morning,    I just wanted to update you on the situation.    I have visits piling up with my current employment and they need doing before I finish at the end of this month.  I am moving to Wiltshire in 3 weeks for a new job helping care homes with their Dementia patients. I tried to work it out and at a guess I will be doing about 20-25,000 miles a year. So need a vehicle that can cope with that mileage, my old car would have done it easy but 🤷‍♂️ I have taken out a loan and got a friend to find me a reliable car that can cope with the miles and hasn't been written off in the past.   I phoned Adrian flux to see if I could use the last months insurance on a new car I have bought, the girl I spoke to phoned Markerstudy and asked them but they said no, my new car doesn't have any modifications.    I had an email from someone who saw one of my appeals for information, they live near the site of the accident and know a nearby farmer who has a security camera at his entrance that catches the traffic and specifically registration plates as he has been robbed before. They said they would reach out for me and see if he still has the data. Unfortunately it wont catch the scene of the crash.   The Police phoned me and said they were closing the report I made, even if they found footage of the vehicle at the time I said the actual incident would be my word vs theirs.  My first response was I am sure google maps would show that they turned around at that location which would verify my version of events, but upon reflection I do understand, I have seen people doing make up with both hands while driving, eating from a bowl steering with their knees and veering all over the place. I am sure some of these people go off the road and claim that someone forced them off.    Markerstudy phoned me yesterday to say that my car is now at Copart, the £80 tank of Vpower diesel was emptied on entry to the site for safety reasons, which I get but it sucks.  It is awaiting being assessed and shouldn't be too long, which is a relief.  I am really glad things do not seem to be going the way of the other stories and they seem to moving quickly.   However I was informed that my car was a structural write off before I bought it - this destroyed me, I was almost sick.  and this is going to affect any offer of money - after hearing the first statement this didn't affect me.   They need to wait for the assessor to check it over but it is highly likely to be written off and the maximum they can offer is £2300.  I was desperate for a car as I was working for an agency at the time, no work no pay, and did not do a vehicle check because I didn't know about them.  The seller did not tell me that it had been structurally written off, he told me that it had the front wing damaged while parked and was repaired at an approved repairer.  Markerstudy records state that it was sold at auction, no record of repair at an approved repairer.  I bought it bank transfer with hand written receipt.    It gets worse.    It turns out my airbags should of gone off. For some reason they are not working. I think we can figure out why.  If I had hit that car head on and had no airbags.    Some good news.    I can arrange a time with Copart to go and take my stereo equipment and any personal items that are left in the car only. I cant live without music and need quality sound, my speakers and amps are Hertz and JLaudio, (no I am not a boy racer with booming subs, I am an audiophile on a budget) I was really worried I wouldn't get them back so this is a huge relief for me. It is stuff I have built up over years of saving and collecting. Everything to do with the vehicle and mods I have declared need to stay to be assessed.   The accident has gone as a fault on my record, I have to remove 2 years NCB which means I still have some to declare which is good.  So it appears at this point that it may be resolved quickly, not in the way I was hoping, but not as bad as I presumed it was going to be based upon that tow truck drivers attitude and behaviour and the horror stories I read.   I am not going to buy the car back and try to make money with all the parts on it, I don't have the time or energy.   I may need an xray on my back and neck.  The whole situation has left me feeling physically sick, drained and I need it done.   The lesson learnt from this  -  My conscience is 100% clear, my attitude to safety and strong sense of personal responsibility - A rated tyres even if on credit card, brake fluid flush every year, regular checks of pads and discs, bushes etc, made avoiding what I believed to be a certain broadside collision possible.   Get a dashcam (searching now for the best I can afford at the moment)  -  Research your insurance company before you buy  -  Pay for total car check before you go and see a car and take someone with you if you are not confident in your ability to assess a vehicle.      Thank you to everyone here who volunteers their time, energy and information, it is greatly appreciated.  You helped my sister with some advice a while ago but we weren't able to follow through, she is struggling with long term health conditions and I ended up in hospital for a while with myocarditis, when I got out and remembered it was too late.  I am going to make a donation now, it is not a lot, I wish I could give more, I will try to come back when things are on a more even keel.    Take care
    • It seems the solicitor has got your case listed for this “appeal” but not for the Stat Dec(SD). You need to ensure you can perform your SD on the day. If you are able to make your SD in court, the situation you are in now is more straightforward than if you made your SD via a solicitor. You have been convicted of two offences (and two were dropped) via proceedings of which you were not aware. The way to remedy that is to perform an SD. No appeal is necessary (nor is it available via the magistrates’ court). If you are able to make your SD this is how I see it panning out: You will make your SD to the court. The court must allow you to make it as it will have been made within 21 days of you discovering your convictions. You will then be asked to enter pleas to the four charges again. At this point you should plead not guilty to all four but make the court aware that you will plead guilty to the speeding charges on the condition that the FtP charges are dropped. The prosecutor will be asked whether or not this is agreed. In my opinion the overwhelming likelihood is that it will be. If it is you will be sentenced for the two speeding offences under the normal guidelines. In the unlikely event it is not accepted,  the speeding charges will be withdrawn (they have no evidence you were driving). You have no viable defence to the FtP charges and so should plead guilty. This will mean 12 points and a “totting up” ban (as you have already suffered). You can present an “Exceptional Hardship” argument to try to avoid this (explained below).   Because of this, I don’t see any need to make an argument to ask to have any ban suspended (pending an appeal to the Crown Court) unless and until you are banned again. The only reason I can think the solicitor suggested this is to secure a (Magistrates')  court date. I was surprised when you said you had an appointment so quickly; a date for an SD usually takes longer than that. However, if you can use it to your advantage, all well and good. I can’t comment on the argument that the two speeding offences were committed “on the same occasion” as I don’t have the details. That phrase is not defined anywhere and is a matter for the court to decide. It’s an interesting thought (and only that) that such an argument could equally be made for the two FtP offences. If the requests for driver’s details arrived at your old address at the same time, with the same deadline for reply, it could be argued that you failed to respond to hem both “on the same occasion” (i.e when the 28 days to respond expired) and so should only receive penalty points for one. Hopefully you won’t need to go there. I think you have information about avoiding a “totting up” ban. But here’s the magistrates’ latest guidance on "Exceptional Hardship" (EH) which they refer to: When considering whether there are grounds to reduce or avoid a totting up disqualification the court should have regard to the following: It is for the offender to prove to the civil standard of proof that such grounds exist. Other than very exceptionally, this will require evidence from the offender, and where such evidence is given, it must be sworn. Where it is asserted that hardship would be caused, the court must be satisfied that it is not merely inconvenience, or hardship, but exceptional hardship for which the court must have evidence; Almost every disqualification entails hardship for the person disqualified and their immediate family. This is part of the deterrent objective of the provisions combined with the preventative effect of the order not to drive. If a motorist continues to offend after becoming aware of the risk to their licence of further penalty points, the court can take this circumstance into account. Courts should be cautious before accepting assertions of exceptional hardship without evidence that alternatives (including alternative means of transport) for avoiding exceptional hardship are not viable; Loss of employment will be an inevitable consequence of a driving ban for many people. Evidence that loss of employment would follow from disqualification is not in itself sufficient to demonstrate exceptional hardship; whether or not it does will depend on the circumstances of the offender and the consequences of that loss of employment on the offender and/or others. I must say, I still do not understand what the solicitor means by “As a safeguard we have lodged the appeal and applied to suspend your ban pending appeal due to the time limit for being able to automatically appeal without getting leave of the Judge.” When they speak of “leave of the judge” I assume they mean they have lodged an appeal with the Crown Court. I don’t know what for or why they would do this. It seems to follow on from their explanation of the “totting up” ban. If so, I’m surprised that the Crown Court has accepted an appeal against something that has not yet happened. But as I said, i is no clear to me. Only you can decide whether to employ your solicitor to represent you in court. If it was me I would not because there is nothing he can say that you cannot say yourself. However, I am fairly knowledgeable of the process and confident I can deal with it. That said, I do have a feeling that the solicitor is somewhat “over egging the pudding” by introducing such things as appeals to the Crown Court which, in all honesty, you can deal with if they are required. I can only say that the process you will attempt to employ is by no means unusual and all court users will be familiar with it. I can also say that I have only ever heard of one instance where it was refused. In summary, it is my view that it is very unlikely that your offer to do the deal will be refused. If it is accepted, you may be able to persuade he court that the two speeding offences occurred "on the same occasion" and so should only receive one lot of points. Let me know the details (timings, places, etc) and I'll give you my opinion. Just in case your offer is refused, you should have your EH argument ready. Whether it's worth paying what will amount to many hundreds of pounds to pay someone to see this through is your call.  Let me know if I can help further.    
  • 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

Marlin/Mortimer CCJ HFC Marbles Card - Set Aside Help **WON plus Costs**


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

Thread Locked

because no one has posted on it for the last 5198 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

:D Well I'm Back :D

 

Judgement set aside. :D

 

Very nice lady judge, who read MC letter and said ' The claimant is consenting to the set aside but doesn't say why.. and raised her eyebrows... then she smiled.. That was it!

 

Then she gave the directions that,

 

Judgement be set aside

 

File and serve a Defence by 4pm 16th September,

 

Allocation Questionnaires be completed

 

and then she spoke about costs!!:-o

 

She said she wasn't going to award costs for today unless I had any comments to make... so I said I would like to be reimbursed costs for the applications... didn't want to push my luck..... and she agreed that If I am to win the case the costs of the Disclosure and Admission applications would be awarded... but if I lost I would have to 'swallow' them..

 

I was more than happy with that. :D

 

This is probably a daft question but...... can I stop paying MC the judgement installments now as one is due at the end of the week? :oops:

 

 

 

So... there it is...One chuffed spam :):)

[sIGPIC][/sIGPIC]

 

They say money talks......mine just keeps saying "Goodbye"

Link to post
Share on other sites

  • Replies 578
  • Created
  • Last Reply

Top Posters In This Topic

Top Posters In This Topic

So Spam, MC Hammered

 

:D Well I'm Back :D

 

Judgement set aside. :D

 

Very nice lady judge, who read MC letter and said ' The claimant is consenting to the set aside but doesn't say why.. and raised her eyebrows... then she smiled.. That was it! I guess it doesn't get any better or easier than that! :-D

 

Then she gave the directions that,

 

Judgement be set aside

 

File and serve a Defence by 4pm 16th September,

 

Allocation Questionnaires be completed

 

and then she spoke about costs!!:-o

 

She said she wasn't going to award costs for today unless I had any comments to make... so I said I would like to be reimbursed costs for the applications... didn't want to push my luck..... and she agreed that If I am to win the case the costs of the Disclosure and Admission applications would be awarded... but if I lost I would have to 'swallow' them.. So you'll be getting them eventually then! :rolleyes::D

 

I was more than happy with that. :D

 

This is probably a daft question but...... can I stop paying MC the judgement installments now as one is due at the end of the week? :oops: I would say definitely, 'YES' you can stop paying as there is no longer a judgement!

 

 

 

So... there it is...One chuffed spam :):)

 

Congratulations, you can now give them a hiding with your defence, and then pocket the costs when it's all over! :D:D

 

Cheers

Rob

Link to post
Share on other sites

Congratulations spam, I have just read through your thread and really pleased for you. Having to go to court for any reason can be daunting as I have just been last week myself for something completely different.

 

So keep the fight on, you got plenty of support on here including me.

 

Real chuffed for you, its good to see people happy and have things go their way every once in a while:D

Link to post
Share on other sites

This is probably a daft question but...... can I stop paying MC the judgement installments now as one is due at the end of the week? :oops: I would say definitely, 'YES' you can stop paying as there is no longer a judgement!

 

PS

 

If it were me, I wouldn't continue paying anything at all!

 

Cheers

Rob

Link to post
Share on other sites

So Spam, MC Hammered

:lol: They did it to themselves.. :rolleyes:

 

 

Congratulations, you can now give them a hiding with your defence, and then pocket the costs when it's all over! :D:D

Lets hope so..:)

Cheers

Rob

 

Congratulations spam, I have just read through your thread and really pleased for you. Having to go to court for any reason can be daunting as I have just been last week myself for something completely different. It does give you the collywobbles doesn't it! :eek:

 

So keep the fight on, you got plenty of support on here including me.

 

Thank you.. It's very much appreciated..:)

 

Real chuffed for you, its good to see people happy and have things go their way every once in a while:D

 

I really can't thank people enough for their support... I genuinely couldn't have got this far without you all.

 

If I'm honest I hope Marlin discontinue... I know I have everything in place to 'whoop their Ass' but I'm not sure I have the confidence to get it accross.. although obviously I would give it my best shot. ;) It was nerve racking enough today even knowing I'd 'won' before I stepped into the courtroom...How weird is that.. I had visions of the Judge saying 'I don't think you've got enough of a defence so I'm going to ignore MC's letter and not grant a set aside... go away Spam!!:oops:

 

Anyhoo, I'm certainly glad todays big event is over and I'll await the next twist and turn in the world of Phoenix/Marlin/MC

 

Spam.:)

[sIGPIC][/sIGPIC]

 

They say money talks......mine just keeps saying "Goodbye"

Link to post
Share on other sites

really pleased for u spam, cant see them asking for another ass whipping given the circumstances and the ending:)

did u mention anything about the amounts u have paid under the court order (or did that come in with the costs?) as i think u r due those back, the judgment now being taken back to the start?

Link to post
Share on other sites

Well Done Spam

 

I am delighted for you, you put a lot of effort and researched your case well.

 

 

Regards

 

Andy

  • Haha 1

We could do with some help from you.

PLEASE HELP US TO KEEP THIS SITE RUNNING EVERY POUND DONATED WILL HELP US TO KEEP HELPING OTHER

 

Have we helped you ...?         Please Donate button to the Consumer Action Group - The National Consumer Service

If you want advice on your Topic please PM me a link to your thread

Link to post
Share on other sites

really pleased for u spam, cant see them asking for another ass whipping given the circumstances and the ending:)

did u mention anything about the amounts u have paid under the court order (or did that come in with the costs?) as i think u r due those back, the judgment now being taken back to the start?

 

Hi R&B,

 

I did ask actually.. I said that obviously I had been paying the judgement with regular instalments and as the judgement was now set aside would I get the money back as they weren't entitled to the money...

 

The Judge said I would have to take advice on that, but assuming I win the case there should be ways of claiming back the money that was paid to them as by law they shouldn't claim money they weren't entitled to..:rolleyes:

 

I guess I'm gonna have to wait and see what happens and counterclaim with my defernce for all the monies I've paid to them so far and go from there...:-?

 

Failing that, if they discontinue I may have to put a claim in myself... I'm really not too clear on the situation... I feel more research coming on!!!

 

Spam. :)

[sIGPIC][/sIGPIC]

 

They say money talks......mine just keeps saying "Goodbye"

Link to post
Share on other sites

guess I'm gonna have to wait and see what happens and counterclaim with my defernce for all the monies I've paid to them so far and go from there...:confused:;) thats the way plus damages.

 

 

Andy

We could do with some help from you.

PLEASE HELP US TO KEEP THIS SITE RUNNING EVERY POUND DONATED WILL HELP US TO KEEP HELPING OTHER

 

Have we helped you ...?         Please Donate button to the Consumer Action Group - The National Consumer Service

If you want advice on your Topic please PM me a link to your thread

Link to post
Share on other sites

guess I'm gonna have to wait and see what happens and counterclaim with my defernce for all the monies I've paid to them so far and go from there...:confused:;) thats the way plus damages.

 

 

Andy

 

Thank you Andy... Thats the way to go then...:)

[sIGPIC][/sIGPIC]

 

They say money talks......mine just keeps saying "Goodbye"

Link to post
Share on other sites

Hooray!! Excellent news spam!!

 

You deserve it - you've put in all the work & it's paid off.

 

Don't worry about your defence or costs. We'll all pitch in on the first & on the second, as long as you make sure you serve a comprehensive costs summary to the claimant & the court at least 48 hours before the hearing, you should get everything you've paid under the judgment order plus all your expenses.

 

BTW you don't need to pay Marlin any more but just to cover yourself, drop them a letter stating that the CCJ was set aside & that pending the hearing you are suspending payments.

 

Shout when you need help...

  • Haha 1

Any knowledge I possess or advice I proffer is based solely on my experiences in the University of Life. Please make your own assessment of legality, risks & costs before taking any action.

 

Link to post
Share on other sites

Well done Spam. It gives me more confidence in my own fight against these idiots. I have given in on 2 cases, but the fight goes on with 2 others

 

Hi Crafty :)

 

You really must try not to 'give into these idiots' if you stand your ground they will more likely give in to you... they like to see how far they can push you so just keep pushing back and they'll move onto the next poor soul ...

They've thrown in the towel on at least 3 CAG claims this week so have faith in your own.

 

Spam:)

[sIGPIC][/sIGPIC]

 

They say money talks......mine just keeps saying "Goodbye"

Link to post
Share on other sites

Hooray!! Excellent news spam!!

 

You deserve it - you've put in all the work & it's paid off.

 

Don't worry about your defence or costs. We'll all pitch in on the first & on the second, as long as you make sure you serve a comprehensive costs summary to the claimant & the court at least 48 hours before the hearing, you should get everything you've paid under the judgment order plus all your expenses.

 

BTW you don't need to pay Marlin any more but just to cover yourself, drop them a letter stating that the CCJ was set aside & that pending the hearing you are suspending payments.

 

Shout when you need help...

 

Thanks FG...

 

I will be asking for loads of help... Allocation questionnaires... defence... counterclaims....costs..:eek::eek:

 

Will need spoon feeding all the way...:oops:

 

And I'll get that letter off to Marlin suspending payments in the morning..:D

 

Spam. :)

[sIGPIC][/sIGPIC]

 

They say money talks......mine just keeps saying "Goodbye"

Link to post
Share on other sites

Could you also post a resume of how far you got with your draft defence spam? This thread is so long now, it would be useful to have all the info collated.

 

1. Original POC details

2. CCA (or anything issued as such!)

3. DN - details of issue dates etc - defective?

4. NOA if any

5. Requests for info under CPRs - when, what was requested, what was supplied

6. Any wrongful charges, incorrectly applied interest etc. Also calculate how much you have paid under the CCJ.

Any knowledge I possess or advice I proffer is based solely on my experiences in the University of Life. Please make your own assessment of legality, risks & costs before taking any action.

 

Link to post
Share on other sites

Could you also post a resume of how far you got with your draft defence spam? This thread is so long now, it would be useful to have all the info collated.

 

1. Original POC details

2. CCA (or anything issued as such!)

3. DN - details of issue dates etc - defective?

4. NOA if any

5. Requests for info under CPRs - when, what was requested, what was supplied

6. Any wrongful charges, incorrectly applied interest etc. Also calculate how much you have paid under the CCJ.

 

Good Idea FG,

 

 

I will do... I'll collate it all and get it altogether in one place... do you think it would be worth starting a fresh thread and linking the new one on here

to save all the wading ?

 

Spam. :)

[sIGPIC][/sIGPIC]

 

They say money talks......mine just keeps saying "Goodbye"

Link to post
Share on other sites

No, just bring it all up to date in one post then the other posts can be referred to if necessary.

Any knowledge I possess or advice I proffer is based solely on my experiences in the University of Life. Please make your own assessment of legality, risks & costs before taking any action.

 

Link to post
Share on other sites

Hi Fedup.... Thanks. :D

 

It's not over yet though... but the first and I believe worst hurdle has been achieved... getting the judgement set aside was my biggest worry as it was by no way a certainty... just as well they threw in the towel..as I could have got a 'difficult judge'.

 

Lets just see what they come up with now that we're back to square one and I've had my eyes opened.. :)

 

Spam. :D

[sIGPIC][/sIGPIC]

 

They say money talks......mine just keeps saying "Goodbye"

Link to post
Share on other sites

Minute update..

 

Sent letter to Mortimer Clarke today informing them that due to the set aside I would be ceasing to pay them any monies until such times as a County Court Judge ordered me to do otherwise.

 

Gosh that felt good..

 

Spam.:)

[sIGPIC][/sIGPIC]

 

They say money talks......mine just keeps saying "Goodbye"

Link to post
Share on other sites

Righty oh... Tidy Up time in preperation of Defence.

 

POC...

 

By a credit agreement in writing between HFC Bank Plc and the defendent dated 15.11.1999 (the agreement)

 

Agreement

 

 

HFC agreed to issue the defendent with a credit card upon the terms and cons. set out therein. In breach of the agreement, the defendent has failed to make the minimum payment shown on the monthly statement. The agreement was assigned to the claimant on 18.7.08.

 

NOA NOA 2

 

 

 

The claimant served a Default notice on the defendent stating the amount due and requiring to pay the same

 

Default 1 Default 2 No default received from Phoenix.

 

 

 

. The defendent failed to pay and the agreement was terminated.

THE CLAIMANT THEREFORE CLAIMS:

!. £8299.65

2.interest at the rate persuant to the agreement namely 14.56 and continuing until judgement or sooner payment at the daily rate of 1.82 or in the the alternative interest pursuant to secton 69 of the county courts acts 1984. Also interest at the rate pursuantto the Agreement from the judgement date until payment.

 

 

More to follow... Spam.:)

Edited by Spamalot
my rate was a rat

[sIGPIC][/sIGPIC]

 

They say money talks......mine just keeps saying "Goodbye"

Link to post
Share on other sites

Hi Spam

 

I thought this was going to be a 'Second' update after your 'Minute' update in post #296 :). Ok, I'll get my coat ...

 

 

 

NOA NOA 2

 

Sorry, I can't remember without going right back through your thread to check, but Marlin claim to have been assigned the debt the day before HFC state that they assigned it to Carval. (I think you're probably already aware of that though).

 

I wonder why HFC only saw fit to tell you a year later though? (19 May 2009)

 

 

I know you 'acknowledged' receipt of one or other of the NoA by later referring to it in your letters to Marlin/MC, but there may be some mileage in challenging the assignment and therefore the right of MC/Marlin to act as Claimant in this matter.

 

I've replied this morning to this post which seems to mirror my own experience with the shortcomings of MC/Marlin/Phoenix regarding their failure to be substituted as Claimant because of the court dismissing their applications for the same;

http://www.consumeractiongroup.co.uk/forum/legal-issues/216203-setting-aside-charging-order.html

 

Your circumstances are probably different but it might be worth looking into (ISTR this has been discussed in the thread), as it definitely seems at least some Judges are not happy with their paperwork.

 

Cheers

Rob

Link to post
Share on other sites

Hi Me again..:)

 

For some reason the pop up window to attach files is blocked on my laptop so I will have to post my defences in full.

 

This is the one I had intended to use for my Set Aside...

 

COUNTY COURT CLAIM NO: xxxxxxxx

On Transfer from the

NORTHAMPTON COUNTY COURT

 

 

BETWEEN

 

 

 

Phoenix Recoveries (UK) Ltd

 

 

Sarl-Potomac Recoveries

 

CLAIMANT

 

 

 

And

 

 

 

 

 

xxxxxxxxx

 

 

DEFENDANT

 

 

 

 

 

Respectfully, I wish to apply for a set-aside of the Judgment given in this case to the Claimant at the Northampton County Court Bulk Centre on 25th February 2009.

 

The defendant denies that she is liable as alleged in the Particulars of claim, or at all.

 

In respect of the alleged agreement, a request was made under sec 77/78 of the Consumer Credit Act 1974 on 1.4.09, The Data Protection Act 1998 on 6.4.09, and CPR 31.14 on 30.4.09, 11.05.09 and 19.05.09 for a copy of the agreement. All requests were sent registered post and signed for. A satisfactory copy of an agreement was not produced. It is denied that any such agreement was entered into by Spam and HFC Bank Plc and the claimant is put to strict proof that such an agreement exists.

 

Should it be proved that such an agreement exists, it is denied that the claimant has the legal right to enforce that agreement and therefore is put to strict proof of their rights of ownership by way of a Legal Assignment.

 

A request for the copy of Assignment was made under Data Protection Act 1998 on 6.04.09 and CPR 31.14 on 30.04.09 11.05.09, all requests were sent registered post and signed for, but it was not produced by the Claimant.

I would therefore respectfully seek the Courts permission to request sight of the Deed of Assignment of the alleged debt.

 

In addition, the defendant requires proof of service of the Notice of Assignment in accordance with s196 of the Law of Property Act 1925 which is required to give the claimant a legitimate right of action in their own name since it appears this is an assigned debt. the reason the defendant requests this information is inter alia to clarify the dates are correctly stated on all documents , the defendant notes that if there are errors in the assignment it may be rendered in effectual in

law per W F Harrison & Co Ltd v Burke and another - [1956] 2 All ER 169.

 

 

 

The defendant denies that a valid default notice was received from the claimant. The Consumer Credit Act 1974 s. 87 (1) states

(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.

 

A request was made for copies of default notice(s) under the Data Protection Act 1998 on 6.04.09 and CPR 31.14 on 30.04.09, 11.05.09 and 19.05.09 by registered post which were signed for, but none were produced, therefore the claimant is put to strict proof that a valid default notice was issued by the claimant and of the proof of service.

 

 

The defendant also denies that a notice of Termination of the alleged agreement was received. A request for copies of a notice of Termination was requested under Data Protection Act 1998 on 6.04.09 and CPR 31.14 on 30.04.09, 11.05.09 and 19.05.09. All requests were sent registered post and signed for. No Notice of Termination was produced by the Claimant.

 

To Date the claimant has failed to comply with my request under the CPR and Data Protection Act and I have not received any such documentation requested. As a result it has proven difficult to compose this defence without disclosure of the information requested, especially given that I am Litigant in Person.

 

 

 

In respect of the alleged agreement, to which penalty charges have been levied, it is denied that any monies are owed to the Claimant.

 

 

The Claimant also seeks to claim interest under s.69 of the County Courts Act 1984.Statutory interest on a regulated agreement is prohibited in accordance with the county courts (interest on judgment debts) order 1991.

 

The Claimant, possessing no legal right to claim monies allegedly owed, has acted unlawfully in obtaining a CCJ and registering said Notice with Credit Reference Agencies. Such conduct is a breach of the Data Protection Act 1998 and amounts to defamation. Under The Unfair Contract Terms Act 1977 and The Unfair Terms in Consumer Contracts Regulations 1999.

 

The Claimants have not established any legal right to issue a claim or proven that any debt exists. The claimant also claims £154.00 in charges. I refute these are payable. These are default charges levied on the account for alleged late payments. The court will be aware that these charge types and the recoverability thereof have been judicially declared to be susceptible to assessments of fairness under the Unfair Terms in Consumer Contracts Regulations 1999 [The Office of Fair Trading v Abbey National PLC and others (2009). I will contend at trial that such charges are unfair in their entirety.

 

In the circumstances the court is invited to conclude that there are reasonable grounds to suppose that I will be able to successfully defend the Claimant’s claim at trial.

I believe that the facts stated in this defence are true.

 

I am the Defendant

Signed

 

And this is the defence I was going to play around with which was shamelessly stolen from IGNM. :oops:

 

 

COUNTY COURT CLAIM NO:

On Transfer from the

NORTHAMPTON COUNTY COURT

 

BETWEEN

 

 

 

Phoenix Recoveries U.K. Sarl

 

 

 

CLAIMANT

 

 

 

And

 

 

 

 

 

Spam

 

 

 

DEFENDANT

 

 

 

 

 

 

 

DEFENCE pursuant to Order dated

 

 

 

 

 

] The Defendant admits that she signed a document provided by HFC Bank Limited.It is Not admitted that the Defendant signed an agreement with HFC Bank Limited. The Precise terms and date of any such alleged agreement are not admitted. The Claimant is put to strict proof as to the date and terms of such agreement.

 

2. It is averred that if any agreement existed that the aforesaid agreement was a regulated agreement within the terms of the Consumer Credit Act1974. It is denied that the Agreement is enforceable within the terms of the Actin that the Defendant avers that the aforesaid alleged agreement does not contain the Statutory Particulars as to payment, rate of interest and calculation of credit limit. It is further averred that the alleged agreement is defective in that it is not executed by or upon behalf of HFC Bank Limited.

 

3. It is not admitted that the aforesaid alleged agreement was lawfully assigned to the Claimant. The Claimant is put to strict proof that such a Lawful Assignment took place.

 

4. If, which is not admitted, a lawful assignment to the Claimant did occur it is denied that the notice required by the Law of Property Act was served upon the Defendant. It is averred that the notice upon which the Claimant relies was defective in that the date referred to by the said notice is inaccurate thereby rendering the whole notice invalid.

 

5. Further and in the alternativeif, which is not admitted, an enforceableagreement is in existence it is not admitted that any or all of the monies claimed are lawfully owing. The Claimant is put to strict proof as to how the sums claimed have been calculated and as to how those sums are lawfully owing.

 

6. The Defendant is not in possession of a valid Default Notice. It is not admitted that the Defendant was served with a Default Notice pursuant to the Consumer Credit Act 1974. The Claimant is put to strict proof as to the service and content of any Default Notice

 

7. Further it is denied that both the alleged contractual interest and the alleged contractual account charges which have been claimed are lawfully owing in that it is averred that not only is there no contractual basis for the sums claimed but also that the sums claimed are in any event unfair and in breach of the general law.

 

8. In view of the foregoing it is deniedthat the Defendant is indebted to the Claimant as alleged or at all.

 

Counterclaim

 

9. The Defendant seeks a declaration from the Court that the aforesaid agreement is unenforceable in that it does not contain the statutory particulars and is not properly executed.

 

 

Statement of Truth

I believe that the facts stated in this defence are true.

I am the Defendant.

 

 

Signed

 

 

Asyou can see it is a work in progress but it's a start!!!.

 

All input and advice is sincerely welcomed.

 

Spam.:)

 

Edited by Spamalot

[sIGPIC][/sIGPIC]

 

They say money talks......mine just keeps saying "Goodbye"

Link to post
Share on other sites

Hi Spam

 

I thought this was going to be a 'Second' update after your 'Minute' update in post #296 :). Ok, I'll get my coat ...:rolleyes: Perhaps I should have said My-newt :D

 

 

 

I know you 'acknowledged' receipt of one or other of the NoA by later referring to it in your letters to Marlin/MC, but there may be some mileage in challenging the assignment and therefore the right of MC/Marlin to act as Claimant in this matter. This is actually where the fun begins... Marlins NOA states assigned 20.5.08 Poc States assigned 18.07.08 HFC say assigned to Carval on 21st May 08...:-?:p The notification from HFC (19.5.09) with regards to the assignment was as a reply to my SAR.

 

I've replied this morning to this post which seems to mirror my own experience with the shortcomings of MC/Marlin/Phoenix regarding their failure to be substituted as Claimant because of the court dismissing their applications for the same;

http://www.consumeractiongroup.co.uk/forum/legal-issues/216203-setting-aside-charging-order.html

 

Your circumstances are probably different but it might be worth looking into (ISTR this has been discussed in the thread), as it definitely seems at least some Judges are not happy with their paperwork.

 

I'll have a look at that too

Cheers

Rob

 

Thanks again for looking in..Spam.:)

[sIGPIC][/sIGPIC]

 

They say money talks......mine just keeps saying "Goodbye"

Link to post
Share on other sites

  • Recently Browsing   0 Caggers

    • No registered users viewing this page.

  • Have we helped you ...?


×
×
  • Create New...