Jump to content

You can now change your notification sounds by going to this link https://www.consumeractiongroup.co.uk/index.php?/&app=soundboard&module=soundboard&controller=managesounds

 

You can find a library of free notification sounds in several places on the Internet. Here's one which has a very large selection https://notificationsounds.com/notification-sounds

 

 

BankFodder BankFodder

 

BankFodder BankFodder


  • Tweets

  • Posts

    • EU deal replicated 'as far as possible' ... aka less than   "The British Government is continuing to work intensively on securing continuity with other countries. We have secured agreements – either signed or agreed in principle - that account for 64% of the UK’s trade with all the countries with which the UK is seeking continuity, should we leave the EU without a deal."   With what I've seen on that page I linked earlier, that would seem to be decidedly unambitious 'trade deals across the world larger than the EU
    • dx100uk - thank you for your advice.  I will send a SAR to Vanquis and really appreciate all the help on here.   I may have read your last sentence in the way that it was not intended but it has came across very judgmental and not helpful.  I have came on this site for some help, not to be judged.  If that was not your intention then I apologise as I realise text can be read in the way it was not intended.  
    • . I'm sorry but this is not correct. There is a very long established rule that you are required to exercise utmost good faith (uberrima fides) when becoming a party to any kind of insurance contract. This means that you have quite a strict duty to accept responsibility for disclosing any information which a reasonable person in your position might understand could materially affect the risk. I can imagine that the interpretation of this rule would not be applied quite so strictly to a very new and young driver – but the more that one has been driving and the more insurance policies one has held, then I think that the stricter  this rule becomes. It is also well established that one can misrepresent something simply by withholding information – by silence. I'm sorry to say that I think that this rule and the value of it is so self-evident that it is scarcely worth discussing. I wouldn't start raising this issue if I were you with insurers or the courts because you will come away with a bloody nose and loss of credibility
    • @unclebulgaria67 your point is particularly valid especially in regards to loss in the event of a claim. Irrespective of 2x SP30’s or not the vehicle is insured for its full market value. The insurers rating changes based on risk against those endorsements, where said risk calculation isn’t made available.    Also I question the validation of 22% in premium. Is that based on today’s risk profiling, or is that applied retrospectively to day 1 and can that be evidenced.    One thing that is very clear, is that to bring about any degree of misrepresentation the insurer has to have evidence that questions were asked in regards to the endorsements.   This was an auto renewal and when I’ve checked the Brokers electronic Copy on “My Policy’ at renewal, there is no section included relative to accidents in the last 5 yrs or Motoring convictions. Everything else relative to me and the named driver is listed. 
    • Here is what exposes Johnson & Co Commission document, makes for sober reading   Wonder if Snake Oil Singham has read and digested it?   https://ec.europa.eu/info/sites/info/files/brexit_files/info_site/com_2020_324_2_communication_from_commission_to_inst_en_0.pdf
  • Our picks

    • Currys Refuse Refund F/Freezer 5day old. Read more at https://www.consumeractiongroup.co.uk/topic/422656-currys-refuse-refund-ffreezer-5day-old/
      • 5 replies
    • Hi,  
      I was in Sainsbury’s today and did scan and shop.
      I arrived in after a busy day at work and immediately got distracted by the clothes.
       
      I put a few things in my trolley and then did a shop.
      I paid and was about to get into my car when the security guard stopped me and asked me to come back in.
       
      I did and they took me upstairs.
      I was mortified and said I forgot to scan the clothes and a conditioner, 5 items.
      I know its unacceptable but I was distracted and Initially hadn’t really planned to use scan and shop.
       
      No excuse.
      I offered to pay for the goods but the manager said it was too late.
      He looked at the CCTV and because I didn’t try to scan the items he was phoning the police.
       
      The cost of the items was about £40.
      I was crying at this point and told them I was a nurse, just coming from work and I could get struck off.
       
      They rang the police anyway and they came and issued me with a community resolution notice, which goes off my record in a year.
      I feel terrible. I have to declare this to my employer and NMC.
       
      They kept me in a room on my own with 4 staff and have banned me from all stores.
      The police said if I didn’t do the community order I would go to court and they would refer me to the PPS.
       
      I’m so stressed,
      can u appeal this or should I just accept it?
       
      Thanks for reading 
      • 7 replies
    • The courier industry – some basic points for customers. Read more at https://www.consumeractiongroup.co.uk/topic/421913-the-courier-industry-%E2%80%93-some-basic-points-for-customers/
      • 1 reply
    • The controversial sub-prime lender says the City watchdog is investigating its practices.
      View the full article
      • 0 replies
MRSWESTHAM

My Court Day Against Chandlers ..help Required Please!

style="text-align:center;"> Please note that this topic has not had any new posts for the last 4009 days.

If you are trying to post a different story then you should start your own new thread. Posting on this thread is likely to mean that you won't get the help and advice that you need.

If you are trying to post information which is relevant to the story in this thread then please flag it up to the site team and they will allow you to post.

Thank you

Recommended Posts

Hi guys

 

As some of you may know I sent in Form 4 on Chandlers re their fees and the bailiffs treats well I have now got a date for the hearing and am basically cacking myself !

 

The bailiff has to submit her evidence by the end of this month...what am i meant to do and does anybody want to come?! I ave no idea whatto expect !

Share this post


Link to post
Share on other sites

Ahh good luck to you I hope you win!! I am sure someone with moe knowledge will be along to help you

Share this post


Link to post
Share on other sites

send me a P M with where you live if I'm close enough i will come with you

Share this post


Link to post
Share on other sites

Thank you I hope so too! Hallowitch I sent you PM. :)

Share this post


Link to post
Share on other sites

sorry I'm in north wales to far away or i would have come with you

 

you just remember the law is on your side

the bailiff cant levy the same goods 3 times

Share this post


Link to post
Share on other sites

lol a bit far ! Shame :( but thank you so much for the kind thought.

 

If any body has any experience or idea what goes on in the hearings I would be greatful :)

Share this post


Link to post
Share on other sites

Thank You Amber Its Brighton Though - Bit Of A Trek For You As Well ! :(

Share this post


Link to post
Share on other sites

what court county or magistrates and what town are you in and has the bailiff sent you a copy of there statement as to why there fees are high that they will also send to the court if i can help i will but i too am in north wales it is also a good idea if you could send a letter explaining why you think the charges are too high to the court prior to the hearing this will save time and will reduce the amount of talking you have to do on the day, as nerves can make you say things which you do not intend on saying it will be ok

Edited by lets fight bailiffs

Share this post


Link to post
Share on other sites

Thank You :)

 

I Sent A Form 4 To The Court Stating All My Reasons But If Anyone Has Any Alternative Letters I Should Possible Send Beforehand Id E Grateful As Always:)

 

I Really Am Worried Aout Speaking As I Lose My Temper A It Quick Sometimes ! Im Also A It Worried Aout Seeing The Bailiff There, Im Also Worried About Having To Pay Her Costs If I Lose And Im Also A It Aggrieved That The One Bailiff Is Being Punished When Its The Manager Of Chandlers That Swore At Me !

 

Basically Im Worried About A Lot Lol!

Share this post


Link to post
Share on other sites

please dont lose your temper i was in court a month ago as a lady had placed an order with me and then stoped the deposit but it was too late i had paid for it in full so off it went to court she said she was intimidated in to buying this thing because she was elderly i even gave her the chance to just pay the cost to me but no in fact she lost it with the judge the judge reply said the way you have just sat there and spoken to me like that there is no way this man has made you buy anything the glow from her face was blinding so keep that temper down because the judge is only human and they can only make there findings at face value

 

where are you or what court is the hearing at ?

Share this post


Link to post
Share on other sites

Its At Brighton, Unfortunatly Im On Of Those People When Someone Is Lying (as Im Sure The Lovely Lady From Chandlers Will!) I Lose It! I Will Ty My Est Not To A Be A Polite Young Lady ;)

Share this post


Link to post
Share on other sites

Concentrate on facts. It will be difficult to prove how the bailiff behaved unless you have an independent witness.

By all means say what happened but don't be surprised if the judge has to say "it's your word against theirs, so I can't decide"

The fees, however, can be decided by the judge.

You can succeed on these.

Also, I once had a case where I had written down what I wanted to say and told the judge I was very nervous and asked if I could hand him my words. He took those and read it out (for the tape) asking me questions as he went. So it saved him having to make notes and meant I could concentrate on the case and his questions. It might be worth trying.

What fees were charged?

Share this post


Link to post
Share on other sites

HI YA :)

 

THIS IS A BREAKDOWN OF CHARGES AS PROVIDED BY CHANDLERS .

 

THEY VISITED ONCE TRICKED ME INTO SIGNING A WALKING POSSESSION AND ADDED THE FOLOWING:

 

Ammounts are as follows

Account passed at £987.40

12/09/07 24.50 Original Fee

12/10/07 18.00 2nd Levy Fee

22/10/07 12.00 Walking Possesion Fee

22/10/07 55.00 Levy Fee

30/11/07 1.00 credit card charge

03/01/08 1.00 credit card charge

 

 

Account passed at £664.00

12/09/07 24.50 Original Fee

12/10/07 18.00 2nd Levy Fee

22/10/07 46.00 Levy Fee

22/10/07 12.00 Walking Possesion Fee

23/10/07 1.00 credit card charge

31/10/07 1.00 credit card charge

03/01/08 1.00 credit card charge

07/03/08 1.00 credit card charge

 

Acount passed at £1132.40

12/09/07 24.50 Original Fee

12/10/07 18.00 2nd levy fee

22/10/07 12.00 Walkng possesion fee

22/10/07 54.00 Levy Fee

 

HAVE YOU BEEN TO COURT RE A FORM 4 ? WHAT HAPPENS IF I LOSE ? DO I HAVE TO PY COSTS? BIT NERVOUSE CAN YOU TELL?!

Share this post


Link to post
Share on other sites

are you saying that you have three seperate amounts for the same case ?

if so i would just fill out form4 and dont worry about losing if you buy a jar of coffee and there are three prices on the shelf the shop can only charge you the lowest price and if the price was put up wrong instead of £4 it had £1 you only have to pay £1 sorry a bit of a rubbish example but the only one i can think of.

 

don't tip my scales as the only satisfaction i want is for you to win

hope this helps

Share this post


Link to post
Share on other sites
Hi guys

 

As some of you may know I sent in Form 4 on Chandlers re their fees and the bailiffs treats well I have now got a date for the hearing and am basically cacking myself !

 

The bailiff has to submit her evidence by the end of this month...what am i meant to do and does anybody want to come?! I ave no idea whatto expect !

 

by the way if she has to submit by way of a statement you will get a coppy of this before the hearing and that will tell you what to expect on the day if you have paid the debt off i would send them a letter saying if they wish for the hearing to go ahead you are quite happy to do so having taken legal advice (only a small lie wont hurt) but you are quite happy to walk away from this to save any further court costs from eather side because when they lose with the costs they wont have much of there fees left any way.

Share this post


Link to post
Share on other sites

You can also ask to be guided by the judge as you feel really intimidated

Share this post


Link to post
Share on other sites

Thanks guys for your further advice :)

 

They were collecting on 3 different accounts (all c/tax) and came to my house only once (as far as im aware) she tricked me into signing WP (Told me it was either sign it or the mysterious "van" will be cming back to take everything.

 

Also i havent got a copy of WP as it was a while ago , are they olged to send me this?

Share this post


Link to post
Share on other sites

i wouldn't worry to much about not having the walking possession agreements

the bare facts are the bailiff cant charge you for 3 visits in the same day on 3 accounts

Share this post


Link to post
Share on other sites

all you have to do is give the letter with there costs to the judge and say you dont understand it how they can collect three amounts on the same day for the same visit and the judge will do the rest as he will also not understand it i understand why but you are worrying about it far too much as long as there is no misstakes on the costs above you are worring over nothing

Share this post


Link to post
Share on other sites

Cool :) If I Do Win Which Im Sure Knowing My Luck Il Have A Dinny Judge Or Something Will Go Wrong Il Donate Half Of It To Hear Thanks Guys You Are All Stars Xxx

Share this post


Link to post
Share on other sites

treat it like a formal job interview the judge asks question you answer

call him you honour if you get nervous apologise to the judge tell him your a bit never as you have never been it court before

don't answer with 10 words when 2 will do he doesn't want to hear a story he wants facts

did you put on your form 4 that the same goods were on all the walking possession agreements

Share this post


Link to post
Share on other sites

Hi - No I Didnt As Couldnt Rememer What Was On Them - Will It Matter?

Share this post


Link to post
Share on other sites

no it wont matter i just wondered its still the same :D they cant charge on 3 accounts on the same day Ive actually read this on the Office of public sector information web site it was back in November and i cant find it now

Share this post


Link to post
Share on other sites

  • Recently Browsing   0 Caggers

    No registered users viewing this page.


  • Have we helped you ...?


×
×
  • Create New...