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    • Hi, If they haven't followed the court's directions there will be little tolerance of the court. Anyway please can you upload a copy of the court paperwork
    • Yes, you should have applied for an immediate strike out as soon as the deadline expired. Without the agreement, they are stuffed Forget Barclaycard, Asset link is now the creditor, and it is down to them to provide the agreement.  That needs to go into the witness statement. They have not provided the agreement contrary to directions of the court and request the court strike out the claim as to the original court directions.
    • I did not receive a notice via post but in my claim status it shows my claim was transferred to a court I requested in my DQ, as it is closer to me.    Defense I filed:  1.       The Defendant contends that the particulars of claim are vague and generic in nature. The Defendant accordingly sets out its case below and relies on CPR r 16.5 (3) in relation to any particular allegation to which a specific response has not been made. 2.       The defendant paid the lead tenant a fixed sum monthly bill without fail for the extent of the rental period of the accommodation their contract was associated with who was responsible to make payments to the claimant, ending in June 2023. 3.       After moving out, a month later, the claimant wrote to state that an outstanding sum existed. Further stating, as one of the 10 tenants at the time, I now owed them the full sum instead of my 1/10 proportion of said debt, as 10 students were at the dwelling. They also intimated that they were legally allowed to charge me the full sum if the other renters were not to pay their share under some equal and joint severity rule. 4.       Despite sending numerous requests prior to the court claim being raised for copies of said bills for said utilities covered by the agreement, the claimant failed to send any clear bills. This included a CPR 31.14 on xx/xx/xxxx sent via post. 5.       The defendants stress that they acted in good faith to settle the outstanding balance, as evidenced by the confirmation received from the claimant.  Any subsequent demands for additional payments are unwarranted and contradict the claimant's previous acknowledgment of settlement. 6.       Pursuant to OFGEM code of back billing rules the alleged charges relate to charges which have not been billed correctly by Co-operative Energy and are therefore prevented from charging. With the court’s permission the Claimant is put to strict proof to: - a) show and disclose how the Defendant has entered into an agreement. b) show and disclose how the Claimant has reached the amount claimed. c) show how the Claimant has the legal right, either under statute or equity to issue a claim. 7.As per Civil Procedure Rule 16.5 (4) it is expected that the Claimant prove the allegation                  that the money is owed. 8.It is therefore denied that the defendant is indebted to the claimant as alleged or at all.
    • Paint is a free programme on any Windows PC. But don't worry, the choice here is not either perfection or nothing. As you say, use your scanner, save the file ... and then use the "choose files" option when you post to CAG to add the file. We can do all the redacting and converting to the correct file type at this end.  The important thing is just to get the info to us. Why not do an experiment this afternoon and see if the above works?  
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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.

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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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car accident advice please


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hi, need some advice please on an accident that happened yesterday. Basically i stopped fairly sharply at a zebra crossing and a lady behind hit me, quite hard. Damage is some crumpled bodywork at the rear, number plate smashed etc. Car still perfectly driveable.

 

As far as im concerned its a clear case of being the fault of the third party. I was under the impression that i have to pay an excess, however my father has advised me and seems adamant i should not have to as it wasnt my fault. Is there anyway i can not pay it?

 

Also, if i do have to pay it, it may have to wait a month or so as i havent got the 500 quid needed at the moment. Will the insurers be ok with this?

 

I also (foolishly) declined courtesy car option on my premium. Does anyone know how much one is likely to cost? And how long my car is likely to be off the road? Any advice appreciated, and sorry if these are basic questions, im not exactly knowledgable in this area

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Depends on your insurance policy, check it to see if you're entitled to a courtesy car. It is the fault of the third party as she should have ensured there was enough distance to stop in case of an emergency.

 

You will have to pay your excess in order for your insurance company to pursue your claim for damages to your car and your personal injuries.

 

You could get a hire car but I'd advise you to get a very cheap one, keep all receipts and once the third party has been deemed liable, you will be re-imbursed.

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You don't pay an excess to your insurers you pay it to the repairers when you collect your car after repairs.

 

Regardless of who's fault the accident is you still have to pay the excess, if the accident was not your fault then you recover your excess (and any other uninsured losses) from the other person.

 

If you don't have the money to cover the excess then get a pro-forma invoice from the garage for the excess and send that to the other person for payment before repairs are complete

 

Mossy

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thanks for your replies.

 

Mossy- ive never heard of this pro-forma thing, just had a quick google of it. Can you tell me if ive got the right idea of what will happen.

 

phone my insurers, get their recomended repairer. Go to that garage and ask for a proforma invoice for 500 pounds (thats my excess). Send this to diamond (the third party insurer). Wait for them to respond. Once theyve agreed to pay, take my car into the garage, they repair, i pay nothing. Pay for a hire/courtesy car out of my own pocket, since courtesy car is not included in my policy. Claim back cost of hire car from diamond.

 

Where does personal injury claim fit into this?

 

Sorry if ive got any of this wrong, as i said im rather inexperienced in these matters. Appreciate your time

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OK a pro forma invoice is given out BEFORE repairs begin or are completed.

 

It's fairly standard in the motor trade / insurance world.

 

Your personal injuries don't fit into this and are part of your other uninsured losses that I mentioned in my earlier post.

 

The reason you need the pro forma is because you don't have the money up front to pay your excess, this is how you get it from the other side up front. Ask them for an interim payment and then deal with other uninsured losses later.

 

As for personal injuries, seek a local solicitor who specialises in personal injury, you won't have any fee to pay because they will recover their fees from the other side.

 

Other than that you've pretty much got the jist of what to do.

 

Mossy

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