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    • Good Evening, I've got a fairly simple question but I'll provide some context incase needed. I've pursued a company that has operations in england despite them having no official office anywhere. I've managed to find a site they operate from and the papers there have been defended so I know they operate there. They've filed a defence which is honestly the worst defence ever, and despite being required to provide their witness evidence, they have not and have completely ignored the courts and my request for copies of it. I'm therefore considering applying to strike out their defence on the grounds the defence was rubbish and that they haven't provided any evidence for the trial. However, it has a trial date set for end of june, and a civil application wouldn't get heard until a week before then, so hardly worth it. However, my local court is very good at dealing with paper applications (i.e ones that don't need hearings, and frankly I think they are literally like 1-2 days from when you submit it to when a Judge sees it. I'm wondering if I can apply to strikeout a defence without a hearing OR whether a hearing is required for a strikeout application.   Thanks
    • I have just opened another bank acc with lloyds (i have a few already) After doing some research they may have some relation to tsb or be apart of the same group will this cause me issue if my salary is paid into my lloyds account? Also, if the debts do go into default and nothing is paid then after 6 years it all goes away? As the DCAs cannot do anything? I do want to start paying in like 3/4 months or do you advise I leave it if it goes into default? again sorry for all the questions, i am just processing everything
    • one reply only  follow post 2 of letter of claim <<clickme link. dx
    • Sorry, I got confused  Yes, it states all three   Thanks, 
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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.

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    • 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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Can anybody please help me with the situation I'm in.

I split up with my ex last year and moved out of the property, he wouldn't sell the house and wanted to stay in it so a transfer of equity was sent out.

 

I hadn't had any correspondance from the mortgage company GMAC so I called them to find out where my information was to say my name had been removed - it hadn't....

My ex hadn't signed the forms an further more hadn't paid the mortgage. It was then too late to remove my name as the account was in arrears.

A year later and I'm settled in a new relationship, my ex has paid the mortgage once and the house is about to be repossessed but because my name is still on it I'm liable for the debt and my ex is playing on this....

 

I can't afford to make any repayments and my ex wont make any payments either.

 

I don't know what to do or what will happen once the house has been taken.

 

Im worried my ex will disappear and then solictors will want the money of me when I havn't really got any money to spare.

 

Does anyone have any advice please?

 

The debt is spiralling out of control and there's going to be a shortfall.

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Hi there, in your situation Natalie I would consult a solicitor. There are lots of law firms who give free one hour consultations where you can get the best advice to deal with the situation.

 

If you are unable to pay the arrears or indeed the monthly mortgage then I'm afraid the house will be repossessed. One solution might be to rent out the property to cover the mortgage until the market picks up and you are back in positive equity. Is your ex still living there?

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Hi,

 

Thanks for getting back to me.

I have already spoken to several solicitors but they don't really give me much information apart from I maybe need to speak to CAB or debt advisors.

It just doesn't help the fact that my ex might just disappear and leave me to deal with this mess.

 

I just feel like I've been backed into a corner.

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