Jump to content


  • Tweets

  • Posts

    • She's an only child and he as a brother and sister. He has no will and we have done a check on this to find out if he had left one and nothing has come up. He has savings of around 28k His sister and brother are well off so 28k is nothing to them and aren't interested in his money. This just leaves my wife/his daughter. Would this still need to go to probate there is no estate e.g house or business to sell and the amount left in his bank is just small? When his wife died they just closed her bank account and moved her money across to his account and we just assumed that once my wife has handed in the death certificate and shown evidence of who she is the same would apply to her? We don't know yet the council have only just written to us today with a guide of what to do next.  
    • Did your FiL leave a Will and if so who is the Executor? Strictly speaking banks could refuse to take instructions until Probate is granted but In practice I would expect the bank to take instructions to cancel the DD if the Executor presents the death certificate and a certified copy of the Will
    • Hi   Sorry I probably wasn't clear enough. He had lived in the flat until December 2022 with Dementia by this time it was unsafe for him to have capacity to live on his own and he had to move into a nursing home. We had left it too late to apply for power of attorney so approached a solicitor in March last year for Deputyship. We were still in the process of dealing with it by May 2024. He passed away a few weeks ago and the solicitor was contacted to halt the application and we will just pay the fees of what work he has done up until now. My wife was the named person on her dads bank account but we didn't have the ability to alter any direct debits hence the reasons for applying for Deputyship as we were having problems trying to stop some payments coming out of his account Eon being another difficult company. We kept his flat on from December 2022 - August 2023. it was at this point I contacted Sancutary housing to inform them he was no longer living in the flat, it had been cleared out and was ready for a new tenant and that he had Dementia and had moved into a nursing home December 2022 and explained the reasons why we kept it on. As the named person to speak on his behalf I asked them what proof they needed in order to give notice on the flat e.g proof of dementia and proof that he was living in a nursing home and anything else they wanted. The lady in the upstairs flat and some of the other residence in the street had asked about him and we had told them he had moved into a nursing home. The lady in the upstairs flat wanted his flat for medical reasons so asked us once we had given notice could be let her know and she'll ask them if she can have it. We explained the difficulties and it was left at that but I did tell her I would let her know once notice was given. I contacted the company by email a number of times and also telephone conversations and nobody followed it up and it wasn't till the end of February this year that the housing manager for the area wrote to our home address to ask about him that he had been to the flat a couple of times and nobody answered and he had asked some of the residence in the street and they hadn't seen him for sometime. There was an email address on the letter so I contacted him and copied in the last 2 emails I sent Sanctuary regarding me wanting to give notice on the flat for at least 9 months explaining that it went ignored as well as telephone calls. I also stated I wanted to have his rent payments returned from the date I wanted to give notice which was from August 2023 as the bank wouldn't let us stop the DD without POT or deputyship explaining we were in the process of Deputyship. He gave some excuse about not having POT to cancel on his behalf and spoke to someone in HR and said he would contact the nursing home to confirm he was there with Dementia and if it all checks out we can give notice on the flat which came to an end on the 22 March 2024. There was not mention of back payments for the rent already paid or the fact I had asked to give notice in August 2023. Despite someone living in the flat from 1st April they continue to take DD payments for the flat and have taken another 2 payments of £501. another concerning thing despite Eon not allowing us to cancel the DD to his account the lady upstairs informed Eon that she was moving into the flat February 2024 and Eon refunding the account to his bank and said in an email sorry you are leaving us and canceled his account. Something they wouldn't let us do but a stranger. She also changed her bank account to his address despite the fact notice hadn't been given on the flat yet. So we need to find out how much information Sanctuary actually had for her to tell her power company she was moving into the flat in February despite the housing manager only just getting in contact to find out where he was. So a complaint is going into Eon and Sanctuary and we are going to take advice and ask the bank to charge back the rent. My wife hasn't taken the death certificate to the bank yet to inform them of his passing.  
    • Yes, I believe the Starbucks was closed at the time the car was parked there 
    • hi lolerz many thanks for your reply and help. My 2 months has passed i was waiting until the court proceedings started. As i went through this process not that long ago, i shall look back at my old thread for how to respond. Ill get the docs scanned soon thanks.    
  • 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

Howard Cohen/MBNA - old set aside case - new AQ arrived - help


matt2002
style="text-align: center;">  

Thread Locked

because no one has posted on it for the last 4915 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

  • Replies 64
  • Created
  • Last Reply

Top Posters In This Topic

Top Posters In This Topic

Matt please try to calm down, what have they sent you in regards your legal requests, ( Did you send them recorded delivery?

Get everything you recieved and sent in logical order and put in a file, If theyve not sent anything, then all you can possibly do is file embarrassed.

 

we need to get advise on what you can ask the court to do on your behalf, hopefully without you paying for it, so if theyve sent nothing to prove you owe anything, theyre wasting valuable court time, theyve also decieved you.

So get your file ready, show the Judge what youve done to obtain the documents and show how theyve delayed you in preparing your defence

Link to post
Share on other sites

Hi,

 

First thing first court isn't what you are expecting. This isn't a criminal matter this is a civil matter. You get there sign in with the usher and sit in a canteen style room until it is your turn. If the other side is there they may want a quick chat in a private room and it is up to you if you do this or not.

If they try to give you any papers at all at this stage politely and firmly refuse. Anything they have at this point can be addressed through the judge.

You go into a small office with legal books on the shelves and sit around a big table (or 3 small ones pushed together)

Standard protocol is for the claimant to go first (if they show). Listen take notes. If anything is too fast for you or if it is in a legal language you do not understand make a point of saying

"sorry I'm litigant-in-person (just means your defending yourself) can I ask you to repeat that/explain what that means.

All that is been decided at this point is wether there is good reason to have the judgement set aside.

I would say if you have your notes well organised (2 copies of everything 1 for the judge, 1 for the claimant) this should be granted.

This just puts the case back to where it was though and you still either need to defend or complain and complain again if documents needed for your defence are not forthcoming.

I know its easier to hide and hope it goes away but the court will want to know why you left it so long after your cpr request without taking further action.

I always approach these things with a prepare for the worst and hope for the best attitude. Worst the ccj sticks and you pull out your repayment plan the court rubber stamps it and as long as payments are maintained nothing else will happen.

Best they will take deep offence at the claimants actions and throw the case out.

 

Hope this helps and good luck.

Link to post
Share on other sites

Thanks for your advice, so far I have my requests and the proof of delivery, I have their response which states everything is on hold until they find them and send me a copy, then i just have several threatening letters stating that i have not stuck to the court order and that they are sending bailiffs

 

Thanks again, this is all very daunting and i really appreciate your advise!!

Link to post
Share on other sites

The other side have had more than enough time to find paperwork that should have been attatched to the claim form.

I would be asking the judge to strike out under cpr 3.4

Power to strike out a statement of case

 

3.4

 

(1) In this rule and rule 3.5, reference to a statement of case includes reference to part of a statement of case.

 

(2) The court may strike out(GL) a statement of case if it appears to the court –

(a) that the statement of case discloses no reasonable grounds for bringing or defending the claim;

 

(b) that the statement of case is an abuse of the court’s process or is otherwise likely to obstruct the just disposal of the proceedings; or

© that there has been a failure to comply with a rule, practice direction or court order.

 

If he/she isn't keen to do this point out that you have nothing to defend against as the claimant has provided no evidence - show your proof and ask if he/she can at least make an order for disclosure and inspection so you can formulate a defence.

 

Also as the claimant is not showing paperwork you should also ask for costs and should be granted this.

You can work these out later you just want the judge to agree.

 

Hope this helps

Link to post
Share on other sites

Thanks for all of your help, I have just come out of court, the judge has set it aside and requested they pay my costs within 14 days, I was really nervous but no legal jargon needed, i just went in and explained what has happened, he shuffled some papers for a minute and then just said he would set it aside, asked if there was anything else, i asked about costs and he said that was reasonable.

 

If anyone else is ever worried about going to court, DONT BE, it isnt as intimidating as i thought it would be!!

Link to post
Share on other sites

Thanks for all of your help, I have just come out of court, the judge has set it aside and requested they pay my costs within 14 days, I was really nervous but no legal jargon needed, i just went in and explained what has happened, he shuffled some papers for a minute and then just said he would set it aside, asked if there was anything else, i asked about costs and he said that was reasonable.

 

If anyone else is ever worried about going to court, DONT BE, it isnt as intimidating as i thought it would be!!

 

 

Hello there matt,

 

A very big GODZILLA to that superb result for you against those nasty robots.

 

What an amazing amount of support given by those caggers absolutely excellent work, advice and guidance, well done indeed, I really do enjoy learning that the robots have failed to inflict injustice against a layperson.

 

Well matt, please up-date on the next stage of this, when you can.

 

Kind Regards

 

The Mould

Link to post
Share on other sites

Well done so far. Make sure you get the costs submitted. I would say around £300 would be fair but itemise this to look reasonable. There is plenty of threads on here to help you draft this.

This is set-aside which means things revert to how they were before the judgement was entered.

This means you will have a case to fight or negotiate a settlement on. To do this you need the documents to defend.

Read through the claimants particulars of claim issued in Northampton taking note of all the documents they mention. i.e. credit card agreement, default notice, termination notice.

Then you need to send a cpr31.14 request for these documents (again a quick google search will find you a template)

If this is ignored send a second one marked 2nd request a fortnight later

If this is ignored send a third one a fortnight after that.

If this is ignored you need to be applying to court for an unless notice.

 

Point is you can't just ignore this you have to be seen as pro-active and concerned about getting the documents now needed to defend or acknowledge a debt exists.

Link to post
Share on other sites

  • 5 months later...

Hi All,

 

About 2 years ago I had a judgement made against me from HC regarding an MBNA credit card, the judgement was made in default, so I applied to have it set aside as despite my CPR request for Notice of Assignment, Default Notice and CCA, CH had failed to supply it. I appeared at Court and the Judge agreed to set the judgement aside and even awarded me £75 costs. CH even paid up!!

 

A few weeks ago I had an allocation questionnaire through regarding HC, after speaking to the court I was advised to state that despite previous requests I had still not been given visibility of the information requested in my CPR. I did this and sent it off. I then recieved a letter from the court stating that the claim had been stayed until HC could provide the documents - today I received the documents. The Original Credit Agreement which was signed up for online, copies of statements, default notice and notice of assignment.

 

How can I find out if my CCA is enforceable? I read on here that if a credit card agreement doesn't state the credit limit then it is unenforceable, mine simply says 'We will choose your credit limit and tell you what it is. We may vary it at any time and write to let you know' it mentions nothing else about the credit limit.

 

Please help, this has been going on for years now and I just want to put it behind me, I cant focus on anything else at the moment, and I really need to!

 

Thank you in advance for your knowledge and experience!

Link to post
Share on other sites

new and old threads merged for history of case.

 

dx

siteteam

please don't hit Quote...just type we know what we said earlier..

DCA's view debtors as suckers, marks and mugs

NO DCA has ANY legal powers whatsoever on ANY debt no matter what it's Type

and they

are NOT and can NEVER  be BAILIFFS. even if a debt has been to court..

If everyone stopped blindly paying DCA's Tomorrow, their industry would collapse overnight... 

Link to post
Share on other sites

scan the required letters/agreements/sheets

remove all pers info inc barcodes etc but leave all figures and dates.

goto one of the many free online pdf converter websites

convert the image to pdf format.

open a new msg box here

hit go advanced below the msg box

hit manage attachments below that box

hit the add files button on the top right

hit select files, navigate to your file on your pc

hit upload files

NB:you can set where it goes in the post by hitting insert inline.

the hit reply button

dx

please don't hit Quote...just type we know what we said earlier..

DCA's view debtors as suckers, marks and mugs

NO DCA has ANY legal powers whatsoever on ANY debt no matter what it's Type

and they

are NOT and can NEVER  be BAILIFFS. even if a debt has been to court..

If everyone stopped blindly paying DCA's Tomorrow, their industry would collapse overnight... 

Link to post
Share on other sites

doubt it

 

dx

please don't hit Quote...just type we know what we said earlier..

DCA's view debtors as suckers, marks and mugs

NO DCA has ANY legal powers whatsoever on ANY debt no matter what it's Type

and they

are NOT and can NEVER  be BAILIFFS. even if a debt has been to court..

If everyone stopped blindly paying DCA's Tomorrow, their industry would collapse overnight... 

Link to post
Share on other sites

Hi all, sorry for the delay, here is my agreement, or the one they have sent me anyway...22-11-2010 22;28;53.pdf

 

Would really appreciate someone taking a look and letting me know what my next steps should be...

22-11-2010 22;26;10.pdf

22-11-2010 22;26;50.pdf

22-11-2010 22;28;20.pdf

22-11-2010 22;27;32.pdf

Link to post
Share on other sites

tbh that looks ok or certainly typical of mbna

how old is this card/ when did you take it out?

 

dx

please don't hit Quote...just type we know what we said earlier..

DCA's view debtors as suckers, marks and mugs

NO DCA has ANY legal powers whatsoever on ANY debt no matter what it's Type

and they

are NOT and can NEVER  be BAILIFFS. even if a debt has been to court..

If everyone stopped blindly paying DCA's Tomorrow, their industry would collapse overnight... 

Link to post
Share on other sites

thats what i was thinking too

 

it looks like it

 

dx

please don't hit Quote...just type we know what we said earlier..

DCA's view debtors as suckers, marks and mugs

NO DCA has ANY legal powers whatsoever on ANY debt no matter what it's Type

and they

are NOT and can NEVER  be BAILIFFS. even if a debt has been to court..

If everyone stopped blindly paying DCA's Tomorrow, their industry would collapse overnight... 

Link to post
Share on other sites

Hi, I have just noticed that they have the incorrect address on the CCA, they have an old address but I had moved out of there 2 weeks before this agreement was signed - will this help my case?

 

I think this does make it unenforceable. It is simply wrong. If it is a recreation – which it must be as you did not live there at the time – then Carey v HSBC makes absolutely clear that your name and address must be EXACTLY as they were at the time the agreement was taken out.

Link to post
Share on other sites

Hi all, thanks for your input, it was indeed an online application, and the address was indeed incorrect, it was my old address on the agreement I had moved about 2/3 weeks prior to this agreement being formed. How should I respond, all i have had so far is a letter from the court stating the case will be stayed pending written confirmation that the documents have been sent. Then I had the documents through from Cowards and Hoes with a covering letter saying a copy had also been sent to the court, have heard nothing from the court yet... Not sure what to do next!

Link to post
Share on other sites

  • Recently Browsing   0 Caggers

    • No registered users viewing this page.

  • Have we helped you ...?


×
×
  • Create New...