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    • Excellent news! Thread title updated. Please do consider a donation in light of the help received here. The help we give is free, but try telling that to our server hosts!
    • Hello dx100uk, After months of waiting for a response I finally got a reply and I must say it was the worst 4 months of my life the - fear of the unknown. So, they wrote back and said I was in the wrong BUT on this occasion they  would not take action but keep me on file for the next 12 months. It. was the biggest relief of my life a massive weight lifted -  I would like to thank you and the team for all your support
    • I have contacted the sofa shop who are sending someone out tomorrow to inspect the furniture. I suspect if anything a replacement will be offered although I would prefer a refund. Few photos of the wear in the material, this is how it was delivered.  
    • Yup, for goodness sake she needs to stop paying right now, DCA's are powerless, as .  Is it showing on their credit file? Best to use Check my file. All of the above advice is excellent, definitely SAR the loan company as soon as possible.
    • Hi all, I am wandering if this is appealable. It has already been through a challenge on the Islington website and the it was rejected. Basically there was a suspended bay sign on a post on Gee st which was obscured by a Pizza van. The suspension was for 3 bays outside 47 Gee st. I parked outside/between 47 & 55 Gee st. I paid via the phone system using a sign a few meters away from my car. When I got back to the car there was a PCN stuck to the windscreen which I had to dry out before I could read it due to rain getting into the plastic sticky holder.  I then appealed using the Islington website which was then rejected the next day. I have attached a pdf of images that I took and also which the parking officer took. There are two spaces in front of the van, one of which had a generator on it the other was a disabled space. I would count those as 3 bays? In the first image circled in red is the parking sign I read. In the 2nd image is the suspension notice obscured by the van. I would have had to stand in the middle of the road to read this, in fact that's where I was standing when I took the photo. I have pasted the appeal and rejection below. Many thanks for looking. ----------------------------------------------------------------------- This is my appeal statement: As you can see from the image attached (image 1) I actually paid £18.50 to park my car in Gee st. I parked the car at what I thought was outside 55 Gee st as seen in image 2 attached. When I read the PCN issued it stated there was a parking suspension. There was no suspension notice on the sign that I used to call the payment service outside number 55 Gee st. I looked for a suspension notice and eventually found one which was obscured by a large van and generator parked outside 47 Gee st. As seen in images 3 and 4 attached. I am guessing the parking suspension was to allow the Van to park and sell Pizza during the Clerkenwell design week. I was not obstructing the use or parking of the van, in fact the van was obstructing the suspension notice which meant I could not read or see it without prior knowledge it was there. I would have had to stand in the road to see it endangering myself as I had to to take images to illustrate the hidden notice. As there was no intention to avoid a parking charge and the fact the sign was not easily visible I would hope this challenge can be accepted. Many thanks.   This is the text from the rejection: Thank you for contacting us about the above Penalty Charge Notice (PCN). The PCN was issued because the vehicle was parked in a suspended bay or space. I note from your correspondence that there was no suspension notice on the sign that you used to call the payment serve outside number 55 Gee Street. I acknowledge your comments, however, your vehicle was parked in a bay which had been suspended. The regulations require the suspension warning to be clearly visible. It is a large bright yellow sign and is erected by the parking bay on the nearest parking plate to the area that is to be suspended. Parking is then not permitted in the bay for any reason or period of time, however brief. The signs relating to this suspension were sited in accordance with the regulations. Upon reviewing the Civil Enforcement Officer's (CEO's) images and notes, I am satisfied that sufficient signage was in place and that it meets statutory requirements. Whilst I note that the signage may have been obstructed by a large van and generator at the time, please note, it is the responsibility of the motorist to locate and check the time plate each time they park. This will ensure that any changes to the status of the bay are noted. I acknowledge that your vehicle possessed a RingGo session at the time, however, this does not authorize parking within a suspended bay. Suspension restrictions are established to facilitate specific activities like filming or construction, therefore, we anticipate the vehicle owner to relocate the vehicle from the suspended area until the specified date and time when the suspension concludes. Leaving a vehicle unattended for any period of time within a suspended bay, effectively renders the vehicle parked in contravention and a Civil Enforcement Officer (CEO) may issue a PCN. Finally, the vehicle was left parked approximately 5 metres away from the closest time plate notice. It is the responsibility of the driver to ensure they park in a suitable parking place and check all signs and road markings prior to leaving their vehicle parked in contravention. It remains the driver's responsibility to ensure that the vehicle is parked legally at all times. With that being said, I would have to inform you, your appeal has been rejected at this stage. Please see the below images as taken by the CEO whilst issuing the PCN: You should now choose one of the following options: Pay the penalty charge. We will accept the discounted amount of £65.00 in settlement of this matter, provided it is received by 10 June 2024. After that date, the full penalty charge of £130.00 will be payable. Or Wait for a Notice to Owner (NtO) to be issued to the registered keeper of the vehicle, who is legally responsible for paying the penalty charge. Any further correspondence received prior to the NtO being issued may not be responded to. The NtO gives the recipient the right to make formal representations against the penalty charge. If we reject those representations, there will be the right of appeal to the Environment and Traffic Adjudicator.   Gee st pdf.pdf
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Credit card debt and suicidal, please help if you can


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Ok ok, sorry, have changed it to 'with Prejudice' now.

 

However, hubby is asking surely if there is no 'withOUT prejudice', that means that we can use in court anyway? He thinks that if I put 'with prejudice' it might look like I don't know what I am talking about. Which in my case is true :) but we don't want them to know that!

 

Noooooo, def don't want you to have a heart attack - where would I be without you and your constant help???

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Ok ok, sorry, have changed it to 'with Prejudice' now.

 

However, hubby is asking surely if there is no 'withOUT prejudice', that means that we can use in court anyway? He thinks that if I put 'with prejudice' it might look like I don't know what I am talking about. Which in my case is true :) but we don't want them to know that!

 

Noooooo, def don't want you to have a heart attack - where would I be without you and your constant help???

 

I agree - but your call Nick = your letter

 

M

 

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All read and sign if you're happy with this>>>>>http://www.consumeractiongroup.co.uk/forum/debt-collection-industry/236823-urgent-issue-has-effected.html Off topic I know, but highly relevant,

 

Thanks,

 

M

Will sign it later as I am still getting over the shock that OP gave me. My hands are all trembling and I am having palpitations. I think I will phone the hospital and ask them to send me a nice good looking blonde nurse to keep an eye on me.

 

On the other hand, I take it you know that with the Lisbon Treaty it is going to change to 3 years instead of 6 years on file with the CRA's?

If I have helped you or made you laugh by some witty remark and brightened your day................ the scales to click are over to your left hand side. :D:D

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All read and sign if you're happy with this>>>>>http://www.consumeractiongroup.co.uk/forum/debt-collection-industry/236823-urgent-issue-has-effected.html Off topic I know, but highly relevant,

 

Thanks,

 

M

 

 

done, thanks for bringing it to my attention

 

ps is that petition with or without prejudice? only joking;)

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Take your choice. Either keep With Predjuice or delete it. BUT NOT WITHOUT PREDJUICE. Without Predjuice means it cannot be shown in court as evidence.

 

Legal Definition of With Prejudice

 

With Prejudice

 

A statement or order that is conclusive between the parties as to the dispute between them.n letters and documents, the addition of with prejudice represents an admission by the signatory or by the person who tenders the document with prejudice, that the contents are admissible against him or her, particularly if the contents run against that person's interest. In Court orders, the words with prejudice are assumed since a court order is conclusive of the rights of the parties in regards to the issue being thereby resolved. Where these words are added, redundancy notwithstanding, they mean that the order is res judicata.

In Schuster v Northern Co., Justice Freebourn of the Supreme Court of Montana wrote:

"The term
with prejudice
as used in a judgment of dismissal ... is the converse of the term
without prejudice
, and a judgment or decree of dismissal with prejudice is as conclusive of the rights of the parties as if the suit had been prosecuted to a final adjudication adverse to the plaintiff.

"The terms
with prejudice
and
without prejudice
have been recognized as having reference to, and being determinative of, the right to bring a future action."

If I have helped you or made you laugh by some witty remark and brightened your day................ the scales to click are over to your left hand side. :D:D

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The legal meaning of Without Predjuice:

 

Without Prejudice

 

A reservation made on a statement or an offer that it is not an admission or cannot otherwise be used against the issuing party in future dealings or litigation with any determinative legal effect.

A statement set onto a written document such as a letter, which qualifies the signatory as exempt from the content to the extent that it may be interpreted as containing admissions or other interpretations which could later be used against him or her; or as otherwise affecting any legal rights of the principal of, or the person signing.

In Castano v Gabriel, a 1969 residential tenancy case, Justice Wahl of the Civil Court of New York City wrote:

"When a dispute arises between parties and they desire to preserve their respective rights and positions, then such reservation is readily accomplished by the performance of the acts between the parties where such is done
as to the existing controversy. Thus, no determinative legal effect is completed; it is reserved for future determination."

In an 1882 decision, Re Leite, Justice Fry wrote:

"The words
when added to letters, only mean that in the event of the negotiations carried on by those letters not resulting in any agreement, nothing in them is to be taken as an admission. Where letters written
contained an undertaking on certain terms which were agreed to by the other side, and afterwards the parties giving the undertaking wished to introduce a fresh condition, the original undertaking was enforced."

If I have helped you or made you laugh by some witty remark and brightened your day................ the scales to click are over to your left hand side. :D:D

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what is the Lisbon treaty.

 

Lisbon treaty is the treaty just rectified in the Eu recently signed by the Czeck Republic who were the last to sign. It went through a referendum in Ireland but although a referendum was promised in England it did not happen.

 

The Lisbon treaty basically appoints an EU President (England wanted Tony Blair as candidate but later he stepped down) and Ministers from round the world.

 

In short, our lives are not ours any more but owned by Brussels. Brussels now makes the laws which are supposed to be universal for all EU countries.

 

And I know this and you dont?????? Here is a piece of news for you. Why is my English what is called Queens English and I keep checking posts for typing errors?? :D

If I have helped you or made you laugh by some witty remark and brightened your day................ the scales to click are over to your left hand side. :D:D

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Prejudice (legal procedure) - Wikipedia, the free encyclopedia

 

Prejudice (legal procedure)

 

From Wikipedia, the free encyclopedia

 

Jump to: navigation, search

"Without Prejudice" redirects here. For the 2007 game show on Game Show Network, see Without Prejudice?

Within legal civil procedure, prejudice is a loss or injury, and refers specifically to a formal determination against a claimed legal right or cause of action. [1] Thus, in a civil case, dismissal without prejudice is a dismissal that allows for re-filing of the case in the future. The present action is dismissed but the possibility remains open that the plaintiff may file another suit on the same claim. The inverse phrase is dismissal with prejudice, in which the plaintiff is barred from filing another case on the same claim. Dismissal with prejudice is a final judgment and the case becomes res judicata on the claims that were or could have been brought in it. Dismissal without prejudice is not.

[edit] Usage in common law

 

In many common law jurisdictions such as the United States, the United Kingdom, Ireland, Canada, Australia, New Zealand and Singapore, the term "without prejudice" is also used in the course of negotiations to indicate that a particular conversation or letter is not to be tendered as evidence in court; it can be considered a form of privilege.[2] This usage flows from the primary meaning: concessions and representations made for purpose of settlement are simply being mooted for that purpose, and are not meant to actually concede those points in litigation.

Such correspondences must be made in the course of negotiations and must be a genuine attempt to settle a dispute between the parties. It may not be used as a façade to conceal facts or evidence from the court and as such a document marked "without prejudice" that does not actually contain any offer of settlement can be submitted should the matter proceed to court. Courts may also decide to exclude from evidence communications not marked "without prejudice" that do contain offers of settlement.[3][4]

The term "without prejudice save as to costs" is a modification to the above and refers to a communication that cannot be exhibited in court until the end of the trial when the court awards costs to the successful party. This is also referred to as the Calderbank formula, from Calderbank v Calderbank (2 All E.R. 333 (1976)),[2] and exists because English courts have held that "without prejudice" includes for the purposes of costs, as in Court of Appeal, in Walker v Wilshire (23 QBD 335 (1889)):

Letters or conversations written or declared to be "without prejudice" cannot be taken into consideration in determining whether there is a good cause for depriving a successful litigant of costs. In the credentialing of Medical professionals a lawsuit settled "Without Prejudice" means that the plaintiff releases the ability to further pursue monetary compensation from the defendent(s) by accepting the settlement.

 

 

 

If I have helped you or made you laugh by some witty remark and brightened your day................ the scales to click are over to your left hand side. :D:D

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What is the air-speed velocity of an unladen swallow?

 

M

I guess it depends what you shot it out off. If you dumped it into an 80mm mortar rocket launcher and fired off a mortar most probably its body will arrive at destination while the feathers will still be floating in front of you. :D:D And most probably its head will finish sticking out of its backside as well........

If I have helped you or made you laugh by some witty remark and brightened your day................ the scales to click are over to your left hand side. :D:D

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yikes Nick, my head is reeling. I can't possibly take in all the info!

 

Looks like your hands have stopped trembling .

 

Well, all my letters are done now, ready to post tomorrow. Its been a strange weekend. I have been obssessed with my debt problem but with the help I have received I have made some headway and can't wait to post these letters off.

 

Just hope the creditors don't turn nasty on me now.

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@ desperadette

 

Right so decided:

 

Barclays: You send a CCA (see post 74 for proper wording. Make sure you use that wording so they cannot try and weasel out. If you read the wording it does not allow them to say "We just bought over the account"). £1 postal order, recorded delivery.

 

Marbles: A nice lovely letter sweet letter with the I+E and a £5 to keep them sweet and hopefully get another year. (We need to see what they reply and take it from there). Send recorded mail so can find out when they got it.

 

Apex: Letter asking for 14 days to "try and find out what can do" (As in A which you said you prefer) and a Christmas Card wishing all the staff a lovely Christmas and a burnt turkey. :D

 

Egg: Letter (Either With Predjuice or remove With Prejuice and send as a normal letter BUT NOT Without Predjuice) as per post #87 sent recorded mail. (to find post number just look on right hand side of each post). Just cut and paste it. Fill in the blanks. You have to sign this one otherwise it is not legal and can be just ignored.

 

You should have at least a week of hearing nothing and peace and enjoyment.

 

Any questions?

If I have helped you or made you laugh by some witty remark and brightened your day................ the scales to click are over to your left hand side. :D:D

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yikes Nick, my head is reeling. I can't possibly take in all the info!

 

Looks like your hands have stopped trembling .

 

Well, all my letters are done now, ready to post tomorrow. Its been a strange weekend. I have been obssessed with my debt problem but with the help I have received I have made some headway and can't wait to post these letters off.

 

Just hope the creditors don't turn nasty on me now.

Can you please check post 116 above and confirm we agree on course of action? Thanks.

 

Creditors cannot turn nasty on you. You are asking for what you are entitled by Law.

 

Look at how it is planned:

 

Marbles: Should be sweet. Can you see why they should be unhappy?

 

Barclays: You are entitled to the information. Have you said "I am not paying you"????? Have you implied it?? No you have not.

 

Apex: Just a nice answer so nothing special. You have not told them you are not paying or anything.

 

Egg what can they do? They have already sold your debt.

 

Have fun and before you go to bed check pm.

If I have helped you or made you laugh by some witty remark and brightened your day................ the scales to click are over to your left hand side. :D:D

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burnt turkey....:D

 

yes, I have followed your instructions and those are the letters I have got.

 

Only thing I changed was that I didn't put 'data controller' in the Barclays one. As I wasn't sure what would happen if

a) there was no one of that title

b) if there was but they were off sick or on leave and then they would use that as an excuse not to reply on time

 

any thoughts? nice ones, I mean...

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burnt turkey....:D

 

yes, I have followed your instructions and those are the letters I have got.

 

Only thing I changed was that I didn't put 'data controller' in the Barclays one. As I wasn't sure what would happen if

a) there was no one of that title

b) if there was but they were off sick or on leave and then they would use that as an excuse not to reply on time

 

any thoughts? nice ones, I mean... :D:D

 

Have a good night. Have fun posting the letters tomorrow. And relax. Things have now started to move.

If I have helped you or made you laugh by some witty remark and brightened your day................ the scales to click are over to your left hand side. :D:D

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hi there

 

i was just reading thru your blog and im in the exact same boat....financially. i lost my job, couldnt afford mortage etc etc....had credit cards and their dcas chasing me,phoning me all the flipping time and letters, i thought that the bailiffs would come knocking.

 

ive learnt a hell of a lot thru this site and everyone has been amazing. you will find the strength, courage and even sometimes anger to get you thru it all. i promise you, if i can do it, you can too!!

 

firstly, get cca off all the credit card people, letter templates are on here and people will help you find all the stuff you need.....

 

please keep us posted and am sure we will all get there one today together!! xxx

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Hi To All

 

Very good craic there from M and Nick, however I dont like to see ' Names' being noted, despedetta I am sure you are feeling a lot better than you were 48 hrs ago, your husband too!

 

Keep posting and keep us informed.

 

Good luck over the next few weeks

 

Mr W

 

ps..Nick your very informative and knowledgable, but slightly overwhelming(imo) and thats good, maybe I can buy you a pint sometime.

 

Only if you promise not to mention the x wife.

Regards..Mr Worried :)

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Yes I am feeling a lot better re the debt than I was saturday morning.

 

You guys have all been FANTASTIC and I do appreciate the support. It is particularly encouraging from people who have been through similar.

 

I really don't know what I would have done if I hadn't found this site.

 

And I was even motivated to write to Child Tax Credit this afternoon - I was overwhelmed before and couldn't deal with thembut I decided that I might as well. So that's another letter typed and ready to send. Don't expect much to come of it - I expect I will get 3 letters sometime next week all saying different things but that's normal for CTC!

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