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    • Hi all,        I really need to start my own thread on this Claim with Overdales/Lowell for a Cap One debt. but have already got to this stage .. My initial question for the moment - until replies come in - is that I figure my main stance is that a purchased debt cannot be claimed, debts can only be claimed by the original issuer of the debt .. but mediation is about coming to an agreement. So would I be acting in bad faith if I enter into mediation yet not seeking to come to a financial agreement? Also, I need to reject the scheduled time slot and ask for another as I'm not going to be free during those hours. The wording of the email gives the impression that I am given this one slot and if I reject it, then I am rejecting mediation - there is no mention of rescheduling, only of freeing up the slot for others .. although, I would have thought it would say so, if there were no possibility to reschedule.. Can I ask for another date without issue?   Anyway, if it's more helpful, I am happy to post up my defence and start a proper thread? I had a lot on at the time and had to do things right away due to the time limits, so didn't feel I had time to come here and go back and forth for info, so put my defence together from reading through relevant threads, late at night. CCA request appears to have been fulfilled (I'm still to check the accuracy of the documents). The other thing, asking solicitors about the particulars of the claim, hasn't .. although I forgot to ask for proof of postage and didn't send recorded post either (whereas the CCA I did), so not sure if I can pursue that easily ..?  
    • There is a plea guilty website...   Screenshot 2024-05-22 144200.pdf
    • Looking for a bit of assistance. I moved into a rented flat on 20th April 2024. I viewed it on the 14th April. Before I moved into the flat, the letting agency provided me with an offer sheet, in said offer sheet I made a number of requests and conditions related to me progressing with assuming the tenancy. These were: 1. A professional clean of the flat prior to move in date. 2. The hob, shower glass and bathroom cabinet be replaced prior to move in date. These were all planned actions by the landlord when I viewed it. I could see the boxes for the hob and other items in the flat. I prepared to move in on the 20th April but none of the work mentioned in the offer sheet had been completed. The standard of the clean was abysmal - mouldy food left in the fridge, nothing wiped down, bathroom mouldy etc. The hob, shower glass and bathroom cabinet were also not installed. I decided to not officially move into the flat as it was not in a condition as promised, my partner lives relatively close by so I lived with her initially. It was only on the 24th April that the hob, shower glass and bathroom cabinet were installed. The cleaners visited again 2 weeks after move in date (3rd April) and attempted another clean of the flat. Again, it was a poor job. I resorted to cleaning the flat myself. I have numerous pictures of the things I identified during my clean and have sent this all to the letting agency. Because of the issues faced, I asked the letting agency that the rent be reduced for the initial month. Exactly halved - to represent the 2 weeks that I was not living at the property. The landlord and letting agency have responded by saying that they will be willing to accept 1 weeks rent as a deduction but not 2. My question is, am I in a strong position to insist on the 2 weeks rent returned or have I been fortunate that they have even offered a weeks rent as a deduction? I would like to insist on the 2 weeks. I have paid the 2 weeks only as my rent collection date passed 2 days ago. Thank you for any assistance. Any further relevant details required let me know and I will provide.
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Blackhorse Car HP - Claim issued


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Hi guys

 

Just going through the Allocation process and just want to know what it means when it says; all parties shall give to all other parties standard disclosure by list to be served by (date)?

 

Thanks

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Hi guys

 

Just going through the Allocation process and just want to know what it means when it says; all parties shall give to all other parties standard disclosure by list to be served by (date)?

 

Thanks

 

Have a read of.....

 

http://www.justice.gov.uk/civil/procrules_fin/pdf/parts/part31.pdf

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Thanks thats helpful

 

So basically they are requesting the documents i intend to rely on be disclosed by the said date by way of listing each one?

 

Am i right?

 

Thanks

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Thanks thats helpful

 

So basically they are requesting the documents i intend to rely on be disclosed by the said date by way of listing each one?

 

Am i right?

 

Thanks

Yes you are right, you can do this in one of 2 ways;

You can fill in FORM N265 or write out your own version to suit.

It is just a list of all the docs you have in your possession that relates to the case that they can request to inspect. They will need to send you a written request to inspect any of the docs on your list under CPR 31.15 and you will have 7 days to provide them, and vice versa.

 

When I did mine I wrote out my own, I'll attach it so you can get a rough idea of what is expected :madgrin:

Standard Disclosure by List CAG.pdf

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Thanks for the info.

 

I thought it was that so constructed my own detailing the documents i am relying upon in my defence which is basically letters sent and received. It is only a few docs but crucial none the less.

 

Allocation hearing is due after christmas as a result of them not turning up to the original hearing.

 

What are the implications of them not making standard disclosure as set out in the order as the date has now passed and they have not done so.

 

Thanks

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Anyone know what the implications are reagrding Post 83? With the fact they did not meet the date set out in the order!

 

Thanks

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  • 4 weeks later...

Hi guys

 

The claimant was due to send me a copy of their defence by todays date to which they have not done.

 

This was also the case when they sent the standard disclosure the date on the order was not met then either.

 

Am i now able to ask the courts to strike out their claim on the grounds they have not adhered to the conditions of the court order without any valid reason?

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The Courts are unlikely to be concerned too much about a day late.

So is the defence still missing ?

You could write and ask the Court to strike out the claim on the basis of abuse of process (Their failure to comply with a Court order).

Its quite a long time to wait for allocation-why so long ?

Have a happy and prosperous 2013 by avoiiding Payday loans. If you are sent a private message directing you for advice or support with your issues to another website,this is your choice.Before you decide,consider the users here who have already offered help and support.

Advice offered by Martin3030 is not supported by any legal training or qualification.Members are advised to use the services of fully insured legal professionals when needed.

 

 

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Nothing I'm afraid - a day or so late, even a week will just p the DJ off, but the other side will just winge and whine that they are sooo busy etc etc

 

Whereas what it really means is that they wanted to see yours first

 

Totally out of order especially when dealing with a LiP, but hey ho

 

You just carry on - then hit them where it hurts in Court

 

Good luck :D

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I see wannabedebtfreesoon has been advising you quite a bit-will flag the latest update up for them.

Have a happy and prosperous 2013 by avoiiding Payday loans. If you are sent a private message directing you for advice or support with your issues to another website,this is your choice.Before you decide,consider the users here who have already offered help and support.

Advice offered by Martin3030 is not supported by any legal training or qualification.Members are advised to use the services of fully insured legal professionals when needed.

 

 

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Yes i will post the form up in the morning when i am home.

 

Basically they had until Tuesday to issue their witness statement (not defence as stated earlier) to which they have not done therefore have failed to adhere to the court order.

 

I have met all the dates as required and sent in my defence as i did the first time around.

 

Not sure why the long time limit until the heasring it is just what the DJ set out. What is annoying me is they had chance to appear at the original hearing but failed to do so and wrote to the court requesting an allocation hearing as stated in previous posts.

 

Their POC are wrong they have no basis for the claim as they have not adhered to the Consumer Credit Act and Consumer Credit Regulations therefore lost the right to claim.

 

Is it a letter a need to write to the court or does it have to be done on a specific county court form. Afterall if it was me who was not sticking to the courts instructions they would be going all out to gain judgement against me.

 

Appreciate all the advice and help :)

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Yes i will post the form up in the morning when i am home.

 

Basically they had until Tuesday to issue their witness statement (not defence as stated earlier) to which they have not done therefore have failed to adhere to the court order.

 

I have met all the dates as required and sent in my defence as i did the first time around.

 

Not sure why the long time limit until the heasring it is just what the DJ set out. What is annoying me is they had chance to appear at the original hearing but failed to do so and wrote to the court requesting an allocation hearing as stated in previous posts.

 

Their POC are wrong they have no basis for the claim as they have not adhered to the Consumer Credit Act and Consumer Credit Regulations therefore lost the right to claim.

 

Is it a letter a need to write to the court or does it have to be done on a specific county court form. Afterall if it was me who was not sticking to the courts instructions they would be going all out to gain judgement against me.

 

Appreciate all the advice and help :)

With witness evidence I would say that in the interests of being reasonable you would wait until at least a week after it was due and then make an application on notice for an Unless Order to force compliance. So basically, after you've given them extra time you make an application for the court to give them extra time and if they still don't comply their claim will be struck out.

 

I wish it was as simple as; if they don't stick to the rules the claim gets struck out, God only knows it should be!! Unfortunately, the smarmy gits manage to get away with murder half the time. It's up to us as consumers to rise above it cos, let's face it, at least one side has to abide by the rules and be reasonable and professional! 8)

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Ok thanks for the advice.

 

I will give them until Tuesday and take it from there.

 

I hope they have had time to dwell over the Bill of Costs i kindly provided them too :-)

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Just a question on the above.

 

Would it be worth writing to them direct to enquire their reasons as to why they have not complied with the order then go to the courts if they still fail to do so? Would show the courts i am been more than reasonable.

 

Thanks

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Hi

 

According to the claimant as they have already issued a witness statement at the original proceedings they claim they do not have to issue a further one for the allocation process even though the order requests they do.

 

Does anyone know if thats the case?

 

Thanks

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  • 3 weeks later...

Hi Guys

 

Anyone got advice on the above?

 

Also where does it state (written down) that if they lose the right under Section 87 that they can only claim the arrears stated on the Defaulty Notice?

 

Could really do with the info.

 

Thanks Guys!

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Hi Guys

 

Good News - Blackhorse have decided to discontinue in full with their claim.

 

Just a few questions to finish this off:

 

How do i now get them to remove all HPI markers from the car and fully sign it over to me?

Can i still request costs incurred from them?

Also the default they have placed on file is inaccurate so can i request they remove it?

 

Thanks for all the advice

 

James

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