Jump to content


  • Tweets

  • Posts

    • No, reading the guidance online it says to wait for a letter from the court. Should I wait or submit the directions? BTW, I assume that the directions are a longer version of the particular of claim accompanied by evidence, correct?
    • Thanks for opening, it's been another rough year for my family and I've procastinated a little.. Due to the age of my defaults on this and other accounts (circa 2021), I really need to avoid a CCJ as that will be another 6 years of credit issues. Mediation failed as I played the 'not enough info to make a decision' however during the call for some reason they did offer settlement at 80%, I refused. this has been allocated to small claims track, court date is June 3 and I've received their WS. I'm starting on my WS. They do appear to have provided everything required of them (even if docs could be reconstructions). Not really sure what my argument is anymore but I do want to attend court and see this through. Should a judgement be made against me then I will clear the balance within 30 days and have the CCJ removed - this is still possible isn't it? I'm going to be reading up today and tomorrow and hope you can provide me some guidance in the meantime. Wonder what your advice would be given the documents they have provided? I am now in a position to clear the debt either by lump sum or a few large installments - Is this something i should look into at this late stage? Thanks as always in advance
    • I have now received my SAR. It includes a great deal of information! Is there a time limit on how long account information is kept and/or can be provided to debtors? I have received many account statements which were not previously sent to me. I remember that the creditor should provide explanations of any acronyms and abbreviations that maybe used in the documents. Is this still the case? Also what, if any, are the regulations in regard to adding fees to a debt? Can fees be added to a debt after the court has approved a charge on a property. Perhaps due to the numerous owners of the debt, many payments I made were not properly recorded on the account, some were entered over a year after the payment was made! Following the Legal Charge, I paid every month until my payments were refused. I am trying to compute the over payments, but the addition of fees etc. is confusing me. Any comments and/or help would be appreciated.
    • did you submit your directions
  • 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

IM vs AMEX - Help with defence


im4347
style="text-align: center;">  

Thread Locked

because no one has posted on it for the last 5127 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

Hi IM, Just pm'd you my case details for the version you submit to the Respondent.

 

From a quick glance it looks good. I would consider replacing the second sentence section which currently reads

 

"who has made an appeal which has been granted by"

 

with

 

"where an appeal has been granted by"

 

Also, be sure to put cc. District Judge, [XX] County Court

at the bottom of the letter.

 

Make sure you send a copy of the letter to your Court. by registered post or by hand. Check the Court receives it. Also Register or Special Deliver it to the Respondents solicitors.

Edited by shakespeare62

Please note that the right to reproduce any part of any post I make on this forum is restricted under copyright law and litigation privilege

 

Please see the following copyright statement

Link to post
Share on other sites

  • Replies 92
  • Created
  • Last Reply

Top Posters In This Topic

Top Posters In This Topic

Just wondering if you should change the first line of your second para to read

 

"The above case deals with the same points that have been raised in my defence..." ?

 

The difference is subtle, but I think it implies that it deals with the Respondents arguments as well which are essentially the same

 

Hopefully you'll get some more suggestions / comments before you submit it.

Please note that the right to reproduce any part of any post I make on this forum is restricted under copyright law and litigation privilege

 

Please see the following copyright statement

Link to post
Share on other sites

  • 2 weeks later...

Hi all

 

Sent off the Stay request to MDR with many thanks to Shakey for his help, and we've now received a reply from them stating that they are surprized we know of Shakey's case and want the following information as to why we want an adjournment:

 

1. Why do we think our case is the same as Shakey's?

 

2. If Shakey is unsuccessful, how will we move forward with our case?

 

They have also stated that they want my witness statement as it is so late and they think I am trying to obtain an adjournmet to delay my witness statement.

 

As the hearing is coming up soon, any advice would be appreciated.

 

Many thanks,

 

IM

Link to post
Share on other sites

Hi IM

 

First reaction would be to tell 'em to p off and work it out for themselves but............... with all things not being equal I'd respond something along the lines of:-

 

Dear Mdr

 

It is more than apparent that there are striking similarities between the 2 cases cited.

 

Your client has (as above) proceeded with a part 7 action without first conforming to said part of civil procedure rules - inter alia, the evidencing of a duly executed agreement compliant with the Consumer credit act 1974 complete with prescribed terms.

 

With regard to any future instruction to your client and in their abeyance of the above, I am unfortunately unable to advise in this matter.

 

Up yours etc etc

 

IM

Link to post
Share on other sites

You could also add something along of the lines of

 

Obviously your clients are very anxious for my case to proceed before the outcome of the Shakespeare...... appeal on 25th May, but this case is clearly relevant to my Defence and therefore it is wholly reasonable that your clients should agree a stay until after that date.

 

You could also say you will make an application directly to the court if they don't agree, but for the moment I'd leave that until you get the reply to the first letter.

 

DD

Link to post
Share on other sites

Thanks Gezwee and DD :)

 

I will construct the letter today and get it in the post tomorrow.

 

Shakespeare sent me the following to add to the letter;

 

1) I am are aware that Shakespeare was granted permission to appeal on all points by His Honour Judge XXXXX who stated the appeal had a realistic prospect of success.

2) My Default Notice, covers the same issues being dealt with by Shakespeare's appeal. Specifically that the claimant issued a Default Notice route and terminated the agreement; That the claim is fatally flawed due to the Default Notice which allegedly failed to allow 14 statutory days to rectify a breach.

3) That the Default Notice failed to contain mandatory prescribed text required by the Regulations

4) That the Default Notice contained penalty charges alternatively unfair charges under UTCCR 1999.

5) That the authenticity of the alleged original agreement is disputed and that it is undergoing detailed forensic examination with a full report to be produced to the Court.

I understand that the outcome of Shakespeare's appeal would be persuasive upon my case. Should it proceed to a full trial in the High Court, the result would have a binding effect upon a lower Court.

 

Any further comments would be appreciated.

 

Many thanks,

 

IM

Link to post
Share on other sites

  • 2 weeks later...

Hi guys

 

I sent MDR a letter with the information they requested regarding my request for a stay on the claim pending the outcome of Shakespeares case.

 

To date I have not heard back from them so I rang the Court today and they basically said that if I don't hear from MDR soon, I need to come in and pay for a stay (£40) as the hearing is fast approaching.

 

I have also not filed my witness statement at the moment as I was hoping the case would be stayed.

 

Any advice would be appreciated.

 

Thanks,

 

IM

Link to post
Share on other sites

:eek:

 

I think you should fax or call (if you want to) MdR and tell them that unless you get immediate confirmation that they are agreeing to a stay you will be filing an application first thing in the morning, which obviously they will then receive by DX, and will also be applying for costs if you have to have a hearing as a result.

 

I'm mentioning the DX because the solicitor in the other side in my case tried to pretend he had only received the notification the day before the hearing so wasn't given enough notice which the court said was rubbish because it had been DX'd on the very same day.

 

They are supposed to be given three clear days notice of any application so you are pushing it a bit, so need to contact MdR this afternoon, and get that application in first thing. You can argue that you were waiting for their reply.

 

DD

Link to post
Share on other sites

Hi Guys

 

Just to let you know that MDR accepted the adjournment request pending the outcome of Shakespeares case and both parties signed the 'Consent Order' for adjournment. :)

 

I went and handed in a copy and MDR faxed a copy to court of Friday. I rang the court this morning for an update and MDR have told the court in writing that in light of the adjournment 'Consent Order', they will not be attending the scheduled hearing.

 

Thanks guys.

 

IM

Link to post
Share on other sites

  • Recently Browsing   0 Caggers

    • No registered users viewing this page.

  • Have we helped you ...?


×
×
  • Create New...