Jump to content


  • Tweets

  • Posts

    • They have defended the claim by saying that the job was of unsatisfactory standard and they had to call another carpenter to remedy. My husband has text messages about them losing the keys a second time and also an email. What do they hope to achieve??? Most importantly,  as far as I have seen online, now I need to wait for paperwork from the court, correct?
    • The Notice to Hirer does not comply with the protection of Freedoms Act 2012 Schedule  4 . This is before I ask if Europarks have sent you a copy of the PCN they sent to Arval along with a copy of the hire agreement et. if they haven't done that either you are totally in the clear and have nothing to worry about and nothing to pay. The PCN they have sent you is supposed to be paid by you according to the Act within 21 days. The chucklebuts have stated 28 days which is the time that motorists have to pay. Such a basic and simple thing . The Act came out in 2012 and still they cannot get it right which is very good news for you. Sadly there is no point in telling them- they won't accept it because they lose their chance to make any money out of you. they are hoping that by writing to you demanding money plus sending in their  unregulated debt collectors and sixth rate solicitors that you might be so frightened as to pay them money so that you can sleep at night. Don't be surprised if some of their letters are done in coloured crayons-that's the sort of  level of people you will be dealing with. Makes great bedding for the rabbits though. Euro tend not to be that litigious but while you can safely ignore the debt collectors just keep an eye out for a possible Letter of Claim. They are pretty rare but musn't be ignored. Let us know so that you can send a suitably snotty letter to them showing that you are not afraid of them and are happy to go to Court as you like winning.  
    • They did reply to my defence stating it would fail and enclosed copies of NOA, DN Term letter and account statements. All copies of T&C's that could be reconstructions and the IP address on there resolves to the town where MBNA offices are, not my location
    • Here are 7 of our top tips to help you connect with young people who have left school or otherwise disengaged.View the full article
    • My defence was standard no paperwork:   1.The Defendant contends that the particulars of claim are 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. Paragraph 1 is noted. The Defendant has had a contractual relationship with MBNA Limited in the past. The Defendant does not recognise the reference number provided by the claimant within its particulars and has sought verification from the claimant who is yet to comply with requests for further information. 3. Paragraph 2 is denied. The Defendant maintains that a default notice was never received. The Claimant is put to strict proof to that a default notice was issued by MBNA Limited and received by the Defendant. 4. Paragraph 3 is denied. The Defendant is unaware of any legal assignment or Notice of Assignment allegedly served from either the Claimant or MBNA Limited. 5. On the 02/01/2023 the Defendant requested information pertaining to this claim by way of a CCA 1974 Section 78 request. The claimant is yet to respond to this request. On the 19/05/2023 a CPR 31.14 request was sent to Kearns who is yet to respond. To date, 02/06/2023, no documentation has been received. The claimant remains in default of my section 78 request. 6. It is therefore denied with regards to the Defendant owing any monies to the Claimant, the Claimant has failed to provide any evidence of proof of assignment being sent/ agreement/ balance/ breach or termination requested by CPR 31.14, therefore the Claimant is put to strict proof to: (a) show how the Defendant entered into an agreement; and (b) show and evidence the nature of breach and service of a default notice pursuant to Section 87(1) CCA1974 (c) show how the claimant has reached the amount claimed for; and (d) 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. On the alternative, as the Claimant is an assignee of a debt, it is denied that the Claimant has the right to lay a claim due to contraventions of Section 136 of the Law of Property Act and Section 82A of the consumer credit Act 1974. 9. By reasons of the facts and matters set out above, it is denied that the Claimant is entitled to the relief claimed or any relief.
  • 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

Help Required - Charging Order


scetch72
style="text-align: center;">  

Thread Locked

because no one has posted on it for the last 4966 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

its more a battle rather than feeling ive lost already, they can now come and have a go if they think they're hard enough, thanks again for everyone who has helped me find this strength, goodness knows where it has come from.

 

The strenghth has come from within. You had it all along.....release the beast.:lol:

Debs xxx

Link to post
Share on other sites

  • Replies 144
  • Created
  • Last Reply

Top Posters In This Topic

Top Posters In This Topic

Right, im cross now! - Ive received a "judgement for claimant" - (After Determination) from northampton crown court today - I had my embarrased defence in, not received anything from shoosmiths, i had a letter from the court last week stating the defence had gone to shoosmiths and they were waiting for reply - what on earth has happened here? It says the court has decided that £1000 per month would be suffucient - is this the end of the fight already, im sure something has gone wrong here - im at school at the moment so have no chance to ring the court, so what do i do now

Link to post
Share on other sites

just spoke to the court, they have said it is not a valid defence and the embarrased defence was struck out and they took the admission which was previously sent - shoosmiths have basically been sneaky gits - the manager at the court said the embarrased defence was not valid so took no notice of it - i now have to send the n244 asap - help required pleasde please please, at the minute im thinking i might as well pay the bloody thing. I'm going back to school now and will be back later on in the evening, any advice greatfully received.

Link to post
Share on other sites

if someone could help, im fuming, and shaking with fury, how can an embarrased defence be "not valid" - i had phoned the court and said that i had retracted the admission because of bullying, but because shoosmiths said it wasnt valid (courts words) they also said it wasn't valid, i just feel i have been completely diddled by both some pen pusher in the court in cohoots with shoosmiths, i really want to do something this evening and get any sort of paperwork sent asap, so urgently need some sort of advice - please!

Link to post
Share on other sites

Hi Sketch

 

(After Determination) what determination?

they took the admission which was previously sent -You changed your Plea?

i now have to send the N244 Have they enclosed this for you to set a side?

Regards

Andy

We could do with some help from you.

PLEASE HELP US TO KEEP THIS SITE RUNNING EVERY POUND DONATED WILL HELP US TO KEEP HELPING OTHER

 

Have we helped you ...?         Please Donate button to the Consumer Action Group - The National Consumer Service

If you want advice on your Topic please PM me a link to your thread

Link to post
Share on other sites

Before i found this website I had prviously at the end of august admitted the claim, after gaining advice on here I telephoned the court on 1 sep stating i had been bullied into the admission by shoosmiths, they stated that as they had received no word from shoosmiths that i could amend the plea.. The embarrased defence was faxed to the court on 1 sep, i received the letter from the court saying they had the defence and sent it to shoosmiths. Today received the form stating "Judgement for claimant" - (after determination). The person at the court stated that her manager had struck out the embarrased defence and gone with the original admission as shoosmiths had stated the same and they agreed. When i said about what happens next she said either go for redetermination or if i wanted to dispute it do the n244.

Link to post
Share on other sites

So you have 2 options :-

 

Set a Side the Judgment and redefend N244

Or apply for redetermination on the Judgment of a £1000 pm N245

I know from bobbing in and out of your thread Scetch that monies have become available to settle this debt and that you have been in two minds which way to proceed seems a bit coincidental that the Court has made decision to SO your defence and probally from pressure from onlooking Guests.(if you understand my meaning)

Sometimes it may be advisable to not reveal all your cards here on the forum.

 

Regards

 

Andy

We could do with some help from you.

PLEASE HELP US TO KEEP THIS SITE RUNNING EVERY POUND DONATED WILL HELP US TO KEEP HELPING OTHER

 

Have we helped you ...?         Please Donate button to the Consumer Action Group - The National Consumer Service

If you want advice on your Topic please PM me a link to your thread

Link to post
Share on other sites

Have read here saves me typing and repeating my self http://www.consumeractiongroup.co.uk...rceable-2.html

 

 

and also very handy to take a look here :-Removal of CCJ's - Step by step guide to the process

 

Regards

 

Andy

We could do with some help from you.

PLEASE HELP US TO KEEP THIS SITE RUNNING EVERY POUND DONATED WILL HELP US TO KEEP HELPING OTHER

 

Have we helped you ...?         Please Donate button to the Consumer Action Group - The National Consumer Service

If you want advice on your Topic please PM me a link to your thread

Link to post
Share on other sites

Wish you well Steve with whatever route you decide to take.

 

 

Regards

 

Andy

We could do with some help from you.

PLEASE HELP US TO KEEP THIS SITE RUNNING EVERY POUND DONATED WILL HELP US TO KEEP HELPING OTHER

 

Have we helped you ...?         Please Donate button to the Consumer Action Group - The National Consumer Service

If you want advice on your Topic please PM me a link to your thread

Link to post
Share on other sites

thank you, i will stick around to offer moral support to others, these bar stewards need sorting, might not have happened for me but im with everyone 100 per cent, oh and any "guests" who may be watching for ulterior motives - hope u get scabies!!!!

Link to post
Share on other sites

oh and any "guests" who may be watching for ulterior motives - hope u get scabies!!!! :lol:

We could do with some help from you.

PLEASE HELP US TO KEEP THIS SITE RUNNING EVERY POUND DONATED WILL HELP US TO KEEP HELPING OTHER

 

Have we helped you ...?         Please Donate button to the Consumer Action Group - The National Consumer Service

If you want advice on your Topic please PM me a link to your thread

Link to post
Share on other sites

Sorry to here what happened.:mad2:

I feel you have been well & truly screxxx, the courts accepted your ammended defence & basically binned it. This is awful.

 

Hope they get worse then scabies...they are total utter,heartless, scumbags, who probably have no real meaningful relationship, who would want to be with someone who spends there evenings spying on people. If you are a "Guest", get a life sikkko.

 

Its up to you now. Pay the money in total straight away, the CCJ won't be entered. Or apply ASAP to have it set a side.

 

Good Luck

 

Debs xxxx:sad:

Link to post
Share on other sites

well, my dad basically took over for me today - the whole thing is my made health very bad and made me incredibly ill, also whilst trying to teach special needs children at the same time - something had to give. My dad has basically given all barrels to the court, shoosmiths, nationwide and arrow global, and he found out quite a lot from them-

1, Shoosmiths never had any paperwork

2, Arrow global never had any paperwork

3, Nationwide knew they had sold the debt, and did not have any paperwork

4, Nationwide admitted that they dont think they ever sent a default notice but to "check on my credit fil" just to see!!!!!!!

 

However knowing this, i have decided to pay the debt and rid myself of it, but will go down the route of making complaints to and about nationwide, as i feel this is where it all went wrong in the first place, so when i receive what paperwork nationwide had through the SAR I will then be writing to the financial ombudsman with everything that happened and show the evidence that i have, i may not get anything back, but it will make me feel better - maybe i lost the battle, but there is still a war to fight.

 

Again many thanks for your help, support and best wishes- please continue helping the little bloke, this is a fantastic site and long may it continue.

 

Steve

Link to post
Share on other sites

Leaves a bitter taste in the mouth though dosent it Steve. Apart from the CCJ it would be nice to pay them on the drip and make them wait.

 

Regards

 

Andy

We could do with some help from you.

PLEASE HELP US TO KEEP THIS SITE RUNNING EVERY POUND DONATED WILL HELP US TO KEEP HELPING OTHER

 

Have we helped you ...?         Please Donate button to the Consumer Action Group - The National Consumer Service

If you want advice on your Topic please PM me a link to your thread

Link to post
Share on other sites

pers i'd sign the right for your father to act on your behalf and get it set aside.

esp with the info in 1-4 above.

 

i've not looked hard, but it there PPI on this?

or unlawful charges inc on this sum to repay?

 

there was a very interesting dev today in a court

a member here had a case in court today, much the same case as you

the judge seeing his counter claim for mis-sold PPI, simply took that figure off the the sum of judgement with out the member even being there! no questions were ask or objection made by the said creditor....

 

worth a try me thinks

 

get it back before the judge

 

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

thank you for the feedback. I did in the end pay the debt, although probably the fight would have been worth it in the end, the toll it took on my health was not good, i am going to go down the road of fighting nationwide, and in a big development, shoosmiths might help me! But for now it is over, maybe not the way we all hoped, but its over- good luck to all.

Link to post
Share on other sites

well keep us informed

and dont do anything without our help

i'd get your dad to take this over and look at reclaiming too.

i bet you've got loads of unlawful charges and mis-sold ppi, you ca get back plus interest too

 

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

  • Recently Browsing   0 Caggers

    • No registered users viewing this page.

  • Have we helped you ...?


×
×
  • Create New...