Jump to content


  • Tweets

  • Posts

    • Please see my comments on your post in red
    • Thanks for your reply, I have another 3 weeks before the notice ends. I'm also concerned because the property has detoriated since I've been here due to mould, damp and rusting (which I've never seen in a property before) rusty hinges and other damage to the front door caused by damp and mould, I'm concerned they could try and charge me for damages? As long as you've documented and reported this previously you'll have a right to challenge any costs. There was no inventory when I moved in, I also didn't have to pay a deposit. Do an inventory when you move out as proof of the property's condition as you leave it. I've also been told that if I leave before a possession order is given I would be deemed intentionally homeless, is this true? If you leave, yes. However, Your local council has a legal obligation to ensure you won't be left homeless as soon as you get the notice. As stated before, you don't have to leave when the notice expires if you haven't got somewhere else to go. Just keep paying your rent as normal. Your tenancy doesn't legally end until a possession warrant is executed against you or you leave and hand the keys back. My daughter doesn't live with me, I'd likely have medical priority as I have health issues and I'm on pip etc. Contact the council and make them aware then.      
    • extension? you mean enforcement. after 6yrs its very rare for a judge to allow enforcement. it wont have been sold on, just passed around the various differing trading names the claimant uses.    
    • You believe you have cast iron evidence. However, all they’d have to do to oppose a request for summary judgment is to say “we will be putting forward our own evidence and the evidence from both parties needs to be heard and assessed by a judge” : the bar for summary judgment is set quite high! You believe they don't have evidence but that on its own doesn't mean they wouldn't try! so, its a high risk strategy that leaves you on the hook for their costs if it doesn't work. Let the usual process play out.
    • Ok, I don't necessarily want to re-open my old thread but I've seen a number of such threads with regards to CCJ's and want to ask a fairly general consensus on the subject. My original CCJ is 7 years old now and has had 2/3 owners for the debt over the years since with varying level of contact.  Up to last summer they had attempted a charging order on a shared mortgage I'm named on which I defended that action and tried to negotiate with them to the point they withdrew the charging order application pending negotiations which we never came to an agreement over.  However, after a number of communication I heard nothing back since last Autumn barring an annual generic statement early this year despite multiple messages to them since at the time.  at a loss as to why the sudden loss of response from them. Then something came through from this site at random yesterday whilst out that I can't find now with regards to CCJ's to read over again.  Now here is the thing, I get how CCJ's don't expire as such, but I've been reading through threads and Google since this morning and a little confused.  CCJ's don't expire but can be effectively statute barred after 6 years (when in my case was just before I last heard of the creditor) if they are neither enforced in that time or they apply to the court within the 6 years of issue to extend the CCJ and that after 6 years they can't really without great difficulty or explanation apply for a CCJ extension after of the original CCJ?.  Is this actually correct as I've read various sources on Google and threads that suggest there is something to this?.
  • 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

1st Credit & LCS Battle - court papers received - help


newman
style="text-align: center;">  

Thread Locked

because no one has posted on it for the last 4356 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

I feel for you Hippy,in both your personal problems,and

then facing other peoples tragedies at work.

Only you can decide on the house, my own opinion would

be to let it go and start again anew.

How is the ex Mrs. Hippy these days, you mentioned the chance

of a reconcilliation a while ago??

Any Letters I Draft are N0T approved by CAG and no personal liability is accepted.

Please Consider making a donation to keep this site running!

Nemo Mortalium Omnibus Horis Sapit: Animo et Fide:

Link to post
Share on other sites

  • 2 weeks later...
  • Replies 808
  • Created
  • Last Reply

Top Posters In This Topic

Top Posters In This Topic

##UPDATE##

 

Hello Again all - its been a few quiet weeks and today I received some documents through from the NCCBC - A N271 Notice of transfer of proceedings form, A N24 General Directions order and a copy of my N244 form that I faxed to NCCBC on the 9th August

 

The case has been transferred to my local County Court but it is the General Directions Order I am uncertain about. I have read the General Directions order a few times and I am not sure what to do next if anything.

 

Can you lovely people give me some guidance at this stage please?

 

Many thanks

 

The images of all the pages are below.

 

110903aTransferofProceedings.jpg

 

110903bGeneralDirectionsOrder.jpg

 

110903cN244P1.jpg

 

110903dN244P2.jpg

 

110903eN244P3.jpg

Edited by newman
Link to post
Share on other sites

Correct unfortunately it gives 1st Credit a longer

period to come up with a recon, this happened

in a case I dealt with recently and they ''complied''

with a recon at the last minute and the claim was

heard.

Any Letters I Draft are N0T approved by CAG and no personal liability is accepted.

Please Consider making a donation to keep this site running!

Nemo Mortalium Omnibus Horis Sapit: Animo et Fide:

Link to post
Share on other sites

I take it to be an hearing to decide your application to extend (because you opted for without hearing ) the application must be heard

on Notice to the Claimant hence the transfer and hearing.

 

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

Hi, you have left your details in a couple of places.

 

I think it means that as 1stC have failed to supply the requested documents, if they want the claim to go ahead they have to apply through your local court to do so.

 

Thanks cymruambyth - all details taken out & rescanned & reposted.

Link to post
Share on other sites

Correct unfortunately it gives 1st Credit a longer

period to come up with a recon, this happened

in a case I dealt with recently and they ''complied''

with a recon at the last minute and the claim was

heard.

 

Hi Brig

So do you have any idea what the timescale is for them to take action

Link to post
Share on other sites

I take it to be an hearing to decide your application to extend (because you opted for without hearing ) the application must be heard

on Notice to the Claimant hence the transfer and hearing.

 

Andy

 

Hi Andy

I am not sure I am following any of this at all - really sorry to be so dim.

 

So if it is a hearing to decide the application to extend what happened to the draft order I submitted of the "unless by 4pm on the 16th ........."

 

I am confused as to what it means amnd is it a good thing/bad thing/not good or bad at all that it is now to be heard at my local county court?

 

Also what will happen next?

 

Sorry for all the questions but I am very confused (may be something to do with the two weeks I have just had off!!)

Link to post
Share on other sites

Hi Andy

I am not sure I am following any of this at all - really sorry to be so dim.

 

So if it is a hearing to decide the application to extend what happened to the draft order I submitted of the "unless by 4pm on the 16th ........." He/she will deal with it at same hearing.

 

I am confused as to what it means amnd is it a good thing/bad thing/not good or bad at all that it is now to be heard at my local county court?

 

Also what will happen next? You have the hearing the DJ should rollock them you get your extension and he/she gives your directions

 

Sorry for all the questions but I am very confused (may be something to do with the two weeks I have just had off!!)

 

Standard process dont worry

 

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

Thanks for that Andy.

 

So when the hearing happens do I have to be there?

 

 

Absolutely fight your corner, explain their non disclosure and why you need an extension to submit a valid defence.

 

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

Absolutely fight your corner, explain their non disclosure and why you need an extension to submit a valid defence.

 

Andy

 

Thanks for that Andy. I absolutely intend to do just that.

 

So roughly how long do you reckon it could be before I find out if they are going to go ahead with this.

Link to post
Share on other sites

Well its been transferred to you local CC now you have to wait for them to inform you of the hearing date.

 

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

thanks chaps

 

Just as a matter of interest does anyone else have experience of dealing with 1st Credit in this respect? IT seems that some DCA's seem to give up the ghost once a N244 has been submitted or when it is transferred to a local CC and as it has now as been passed to my local CC and presumably 1st Credit are going to have to spend more money now in employing the services of a legal person both for the day? Will they be likely to keep going with this if they are not in possession of the original documentation?

 

I cant see the point of them keeping going with this if they don't have the correct documentation.

Link to post
Share on other sites

Hi Newman, 1st Credit are following

through with recons and other ''evidence''

to back it up.

Any Letters I Draft are N0T approved by CAG and no personal liability is accepted.

Please Consider making a donation to keep this site running!

Nemo Mortalium Omnibus Horis Sapit: Animo et Fide:

Link to post
Share on other sites

Hi Newman, 1st Credit are following

through with recons and other ''evidence''

to back it up.

 

Thanks Brig - sorry to be a real pain but my understanding was that if they are going to take this to court they have to have the OCCA and not a recon? With the case that was mentioned very recently it seemed to me that Waksman ruled in favour of the consumers in respect of the validity of a doc. Have I misunderstood this then if they can use a recon? How does this prove that this is my agreement - it could have been cobbled together from any old set of Tc's & C's and surely the only way to prove the validity of a document is to have the signed original.

Link to post
Share on other sites

I hear the balance of probabilities

put forward regularly now, Waksman

it seem laid out what should be constituent

to a recon.

Supporting evidence such as the statements

showing the debtors use of a credit facility

to back up the recon is also becoming

common.

Any Letters I Draft are N0T approved by CAG and no personal liability is accepted.

Please Consider making a donation to keep this site running!

Nemo Mortalium Omnibus Horis Sapit: Animo et Fide:

Link to post
Share on other sites

Assigned twice 3 years apart, did First Crud sell it back to them to buy it back again 3 years later?:???: Shady dealings

 

Andy

 

I have just been re-reading this thread and something that I noticed, which may be relevant or not, I would say both of those NOA docs have been printed by 1st Crud using Citi header & footer.

 

Maybe something, maybe be completely irrelevant, but maybe not.

 

MC

The villany you teach me, I will execute, and it shall go hard but I will better the instruction.

Link to post
Share on other sites

I have just been re-reading this thread and something that I noticed, which may be relevant or not, I would say both of those NOA docs have been printed by 1st Crud using Citi header & footer.

 

Maybe something, maybe be completely irrelevant, but maybe not.

 

MC

 

Hi MC - well guess what I had exactly the same thought too - its a bit suspicious that the NOA was sent through on a photocopied headed paper when every other piece of communication I had from Citi was on their own coloured headed paper.

 

But proving this would be very difficult if not impossible I would guess!

Link to post
Share on other sites

Hi MC - well guess what I had exactly the same thought too - its a bit suspicious that the NOA was sent through on a photocopied headed paper when every other piece of communication I had from Citi was on their own coloured headed paper.

 

But proving this would be very difficult if not impossible I would guess!

 

Hi Newman,

 

Do you have a smartphone with a barcode scanner app'? Wouldn't mind betting both of those barcodes show your 1st Crud reference number. If they do, why would Citi be quoting 1st cruds reference? Like I say, might not be relevant.

The villany you teach me, I will execute, and it shall go hard but I will better the instruction.

Link to post
Share on other sites

Does this also apply to pre 2007 agreements, and if so what about the case law that was used before?

 

Hi count, good question is 127 (3) now null and void?????

 

newman, sorry if this is a stupid question, but does your alleged agreement fall under the protection of the CCA 1974 127 (3) or is yours post repeal?

 

MC

Edited by Master Chief
typo

The villany you teach me, I will execute, and it shall go hard but I will better the instruction.

Link to post
Share on other sites

style="text-align: center;">  

Thread Locked

because no one has posted on it for the last 4356 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

Guest
This topic is now closed to further replies.
  • Recently Browsing   0 Caggers

    • No registered users viewing this page.

  • Have we helped you ...?


×
×
  • Create New...