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    • Hello, Following the submission of my defense, last night I received an email from DCBL indicating that the claimant intends to proceed with the claim (I've attached a screenshot of the email for reference) along with the N180 directions questionnaire. I'm unsure how they obtained my email, but I suspect it was through the courts' form when I completed the Acknowledgment of Service. This email almost slipped my attention. I have also today received a letter from court to state they have received my defense.  It appears they are requesting an online telephone hearing with the court. Could you please advise me on the necessary steps I should take at this point? Thank you for your assistance. Letter-Email 25-04-24.pdf N180 - Directions questionnaire (Small Claims Track).pdf
    • Default Amount £9237.88, all this started in 2006 Admitted debt £9075.65 Weightmans added £1515.01 immediately they became involved, no explanation The Statement shows when Marlin bought debt in May 2011 £10439.25 Their statements, not received until the SAR, are based on this. Cabot deducted £1515.01on their statements in January 2019, again did not find this out until SAR. Weightmans added in  2007 after the CH1 etc was confirmed by the court £741.50, made up of Process server fees, Court Fee (they tried for bankruptcy), Solicitors fee and Land Registry fee. Unspecfied Legal costs were added by Marlin in March 2015, again I did not know this until statements received with SAR I had been paying monthly, without exception until December 2018. I am minded to take the property charge, CH1 amount ,deduct all my payments and the subsequent fees, and request/demand a refund on the final payment made? I consistently disputed Weightmans balances, but they never responded. I also told Mortimer Clarke/Cabot that I disputed their amounts.  
    • Just follow this link and have read of some threads so your familiar with the process https://www.consumeractiongroup.co.uk/topic/347310-legal-n180-directions-questionnaire-small-claims-track/#comment-5178739
    • Sorry,  I'm not familiar with terminology.  Direction questionnaire is what I've seen online as next step. Witness statement: I haven't gone that far, that's why I put the question marks.
    • 2. Is correct disregard 1. You must attend ad per the order 
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    • Housing Association property flooding. https://www.consumeractiongroup.co.uk/topic/438641-housing-association-property-flooding/&do=findComment&comment=5124299
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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.

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      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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Welcome - illegal repo in contravention of section 92 and unfair relationship ** WON **


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Is there new case law? or has it been dealt with outside of court?

One thing I will say on open forum is that this case will never be dealt with outside of court. With regard compensation, damages or costs, there is no amount of money that will ever be enough to cover what welcome finance have done to me and hundreds of thousands of others. Lives have been ruined, relationships lost, health destroyed and suicides contemplated because of the immoral and unlawful standards these kind of people and their associates employ.

 

The only recompense that will ever suffice is justice.

 

And that is my opinion...which I am fully entitled to express anywhere I see fit. The last time I checked I believed we still had free speech in this country.

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And...I just got my FSCS letter! How absurd this all is, they spent all that time in court saying it wasn't welcome that sold me the policy and so I couldn't claim misselling against them and then they go and send me a letter saying they believe the policy THEY sold me may have been missold!

 

Yet more voluntary ammunition for the credibility issue....

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They sent me one of those - but when i argued the toss over it i was told they had made an error and i had no grounds as the insurance was sold by a broker and not them - i have similar issues to those you had.

 

They are muppets.

Hmmm... how far along with the process are you? Is it at court stage yet?

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No not yet - have another case in court at the moment that is taking up a lot of time.

 

funily enough welcome are a third party - but not in court - have evidence that they have been less than honest and misleading - so OFT are looking into it as part of this other case.

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No not yet - have another case in court at the moment that is taking up a lot of time.

 

funily enough welcome are a third party - but not in court - have evidence that they have been less than honest and misleading - so OFT are looking into it as part of this other case.

That's great! If you have evidence that they have behaved dishonestly then they deserve to be called up on it.

If you do ever want to take it further with welcome then I am more than happy to share my experiences with you ;-)

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  • 2 weeks later...

Well I have finally received the approved transcript of the High Court Judgment :-D

Does anybody have any ideas of how I might be permitted to distribute it? I suppose now it is approved there aren't any restrictions on what I can do with it??

 

The other side have made it clear that this thread is no longer anonymous, by the way :madgrin:

 

“First they ignore you, then they laugh at you, then they fight you, then you win.”

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I would but I only just received it hard copy today, hopefully I can get it in doc on Monday from the transcribers.

It is quite exquisite! It's got some wonderful phrases in it ;-)

 

"If there was a relevant agency relationship, the decision in Hurstanger Ltd v Wilson & Anor..., shows that causation is not a factor where a person makes a secret payment to an agent"

 

"I have concluded that although the claimant's grounds of appeal are framed by her as a lay person, they do disclose and have disclosed a matter which requires this judgment to be set aside...."

 

"However, in the light of what has happened, there is no point or purpose now in an injunction. The remedy for this lady is one in damages..." - ( Section 92)

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Well done wannabe - Once the Judgement is handed down it becomes public.

 

Your victory could not have been against a company more deserving a kicking. The only company i know who are nearly as dishonest as HFO.

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Ok sorry about the odd font sizing but here we go!

 

My name is Mrs Surita Caleini, formerly Whittington, and this is the transcript of my successful appeal in Birmingham High Court of Justice on 11th July 2011 before The Honourable Lord Justice Beatson QC.

 

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