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    • Thanks for the welcome honeybee!  Grateful to have found this place! Just busy reading other excellent threads!
    • Hello, welcome to CAG. I expect people will be along later to advise you. Weekends are always quieter here so please bear with us until they're able to get here. HB
    • Hope I'm posting in the correct forum. I am confused about procedure regarding going to civil court next week. The claimant (Erudio/Drydens) responded to my defence but I did not realise that I have to respond back.  I'd be grateful if you could answer:  Was I supposed to send them my updated defence and when?  If I ask the court to do it now,, if they agree, can I just send it to the court or must I also send it to Drydens?  I spoke to the court helpline and the lady said I can submit evidence even if it's a bit late (to go with my defence) so I've done that - I emailed it only to the court. I'm wondering if I need to submit this evidence to Drydens as well? THis is the situation;  I have a civil court case with Erudio/Drydens regarding a pre-1998 student loan. The amount is "£2500.  I did not defer as I didn't get the forms. My argument was that they mismanaged my account as they did not send me annual statements (I have proof - 2018 remediation pack)  I believe the same happened with the forms. I was eligible to defer and only three years away from 50 so no reason not to. I have not moved. I've submitted my defence in July 2019 after which the case was stayed. But as I failed to communicate with them to settle the matter (I didn't know I had to reply to their offers to settle as I did not think what they were offering was fair) they have filed an Application in Sept 2023 to lift the stay a week ago I received a pack in the post with the court date which is next week. The package arrived 6 working days before the hearing, not seven as it says in the rules. Drydens then sent me the same package in the post four working days before the hearing with a letter saying they are waiting for the Order to be lifted.  I'm worried now that they will not allow it to go to trial as Drydens claim that I have not submitted sufficient evidence. They although produced the copy of the deferment letters which they claim they sent. I didn't realise that I can amend my defence based on their reply to my defence. I thought the court was again going to send me a form to do that, like they did the first time.  I'm clueless and have no money for a legal representation as I'm not working at the moment.  Any help would be much appreciated!
    • Is elphicke still with labour or has she jumped into the frankly far more apt 'reformatory yet? Sure that her move is just intended to destabilise Sunack for the poopy right   I hear rumors Boris and Doris have tested the water through proxies - not sure if its true - and they probably happy to (are?) chance-it with all/any
    • HB - they don't ask why. Karalius - just note these dates on the form and you'll be safe, they will not fix the hearing date when you're away. How to fill in the DQ/N180 is on just about every claim form thread here, such as Andy's post 81 here  https://www.consumeractiongroup.co.uk/topic/458783-parkingeye-anpr-pcn-paploc-now-claimform-new-directions-holdings-lambourne-crescent-llanishen-cardiff-cf14-5gl-claim-discontinued/page/4/#comments  
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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.
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      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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HBOS and CANCER


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My wife and i havnt worked since apr 1st she has cancer .. we are 31 with two kids 8 and 5 since 15th of june £427 in charges havnt checked further back but in last 3 years must be £4000

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Already answered in your original post here

Jeep (The Wife & I)

Halifax joint a/c (£3800 charges + £40 interest on charges over 11 years) - paid in full 23/06/06

Halifax joint a/c new charges £1100 - LBA sent 02/08/06

Halifax 2nd a/c (£1500 charges + £150 interest on charges) - partial payment received 13/07/06 (no s69 interest) - AQ filed 07/08/06 - Court awarded 50% of s69 interest (Bank didn't turn up!)

Halifax Visa (#1) Data Protection Act sent - statements arrived - £350 so far

Halifax Visa (#2) Data Protection Act sent - refunded £170

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Follow the route: FAQs > Template Library > Parachute Account > Bank Forums > Spreadsheet

All advice given in good faith and without prejudice or liability, to be taken at your own risk!

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Go to the part of the website with the letter pro formas and start by sending the letter which asks the bank to provide you with a list of all charges applied to your account over the last six years.

 

After that, sit back and wait. They will reply, I don't think they can afford not to. Once you have received your bank statements, go through them all and write down every charge applied to your account with the date, type of charge and the amount. List them in date order, set it up so you have a date column, a column titled Charges levied minus column legal limit (£12) and column balance due to customer. Then send this away with the next step letter and so on and so forth.

 

All the best mate.

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Hi you have now started a thread in HBOS forum so I will close this thread for you as you will find it easier if all your queries are answered in the one place

When you want to fool the world, tell the truth. :D

Advice & opinions of Janet-M are offered informally, without prejudice & without liability. Use your own judgment. Seek advice of a qualified insured professional if you have any

doubts.

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