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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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Hilesden securities court papers received ** Discontinued ***


john
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Why isn't there an boot up the ass smiley on here? :lol:

 

:D I looked for one as well !!!

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That all sounds brilliant, thanks a lot for taking the time to draft the letter Elsa. Will get the letter done and ready to post on Monday and see what happens then. A boot up the bum is probably what they need to stop these unfounded claims.

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dlc.pdf

 

letter above recieved from dlc, sent before the telephone conversation. Do I send letter of reply below to Yvonne Brackenboro?

 

Further to our telephone conversation on 3rd March 2011 in relation to costs for the above case, I write to confirm the elements of the conversation and reiterate that all further discussions on this matter should be in writing. Furthermore I will copy all correspondence to the Court.

 

In précis, you state that you would never pay the costs I have submitted, have no knowledge of my submission of an N244 and that you are not liable for costs after the Allocation Questionnaire. You made an offer of £100, which I declined and stated I was quite willing to go back to Court. In response you stated you did not wish this to go to Court and wished to come to some agreement.

 

I believe this is an accurate summary of the conversation.

 

Further to my verbal response, I would reiterate that I feel your offer of £100 is derisory and unrealistic to the point of insult. Indeed, it could be construed as an attempt to take advantage of the lack of knowledge of a Litigant in Person.

 

I have followed the recommended guidelines and clearly and fairly calculated my costs. Obviously your offer would not even cover out of pocket expenses, let alone reflect the many hours of work and research involved in dealing with your attempted claim as a Litigant in Person. Had I engaged Legal representation my costs would have been significantly higher.

 

Turning to your belief that you are not liable for costs after the AQ, as I’m sure you must be aware, this only applies once a track has been allocated. The case was trackless when you discontinued, hence full costs are payable, as I’m sure the Court will agree. (See:- CPR practice directions SECTION 15 COSTS ON THE SMALL CLAIMS TRACK AND FAST TRACK: RULE 44.9 15.1(1) Before a claim is allocated to one of those tracks the court is not restricted by any of the special rules that apply to that track.)

 

Hence unless we can come to a more realistic and fair agreement based on my submitted figures, I am quite prepared to apply to the Court for costs to be assessed on the indemnity basis due to your conduct both up to and following your discontinuance of your ill-conceived claim. This will obviously incur further costs, and I reserve the right to appoint legal representation in this matter.

 

I look forward to a satisfactory response within 7 days,

 

added the CPR rule gh2008 quoted, thought it might add some clout?

Edited by john
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Hi :-)

Good idea to add the quote.

Yes, I would think the letter needs to go to her at DLC. If it wasn't her you spoke to amend it to "Further to the telephone conversation with your office".

They will pass it on to Aplins if necessary.

 

...put CC Court Manager xxxx court at the bottom

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So I need to send a copy to court? Do I send a copy of their letter to me with it? Is the court file still open after the claimant has discontinued? Sorry for all the questions.

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So I need to send a copy to court? Do I send a copy of their letter to me with it? Is the court file still open after the claimant has discontinued? Sorry for all the questions.

 

Yes

No, don't worry

Yes

 

:D

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Is this OK for the cover letter to court, please?

 

Dear Court Manager

 

I am enclosing a letter sent by myself, the defendant, to the claimant in regards to the above case and request that it be put on file for future reference.

 

Thank you for your help in this matter.

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Letter to DLC and copy to court sent recorded on Monday so just waiting for their reply!!!!!!!!!!

 

Arent we all :lol:

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cool 8-)

 

Sorry missed this update - have been a little busy elsewhere !!

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  • 2 months later...
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suewell, you would do better to start a thread of your own rather than attach to the bottom of a long running thread :)

 

I also believe that postjjg hasnt been on the forum for a little while.

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Uploading documents to CAG ** Instructions **

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2: Take back control of your finances - Debt Diaries

3: Feel Bullied by Creditors or Debt Collectors? Read Here

4: Staying Calm About Debt  Read Here

5: Forum rules - These have been updated - Please Read

BCOBS

1: How can BCOBS protect you from your Banks unfair treatment

2: Does your Bank play fair - You can force your Bank to play Fair with you

3: Banking Conduct of Business Regulations - The Hidden Rules

4: BCOBS and Unfair Treatment - Common Examples of Banks Behaving Badly

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Advice & opinions given by citizenb are personal, are not endorsed by Consumer Action Group or Bank Action Group, and are offered informally, without prejudice & without liability. Your decisions and actions are your own, and should you be in any doubt, you are advised to seek the opinion of a qualified professional.

PLEASE DO NOT ASK ME TO GIVE ADVICE BY PM - IF YOU PROVIDE A LINK TO YOUR THREAD THEN I WILL BE HAPPY TO OFFER ADVICE THERE:D

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Hold still and I will sort it out for you and send a link via private message.

Have we helped you ...?         Please Donate button to the Consumer Action Group

Uploading documents to CAG ** Instructions **

Looking for a draft letter? Use the CAG Library

Dealing with Customer Service Departments? - read the CAG Guide first

1: Making a PPI claim ? - Q & A's and spreadsheets for single premium policy - HERE

2: Take back control of your finances - Debt Diaries

3: Feel Bullied by Creditors or Debt Collectors? Read Here

4: Staying Calm About Debt  Read Here

5: Forum rules - These have been updated - Please Read

BCOBS

1: How can BCOBS protect you from your Banks unfair treatment

2: Does your Bank play fair - You can force your Bank to play Fair with you

3: Banking Conduct of Business Regulations - The Hidden Rules

4: BCOBS and Unfair Treatment - Common Examples of Banks Behaving Badly

5: Fair Treatment for Credit Card Holders and Borrowers - COBS

Advice & opinions given by citizenb are personal, are not endorsed by Consumer Action Group or Bank Action Group, and are offered informally, without prejudice & without liability. Your decisions and actions are your own, and should you be in any doubt, you are advised to seek the opinion of a qualified professional.

PLEASE DO NOT ASK ME TO GIVE ADVICE BY PM - IF YOU PROVIDE A LINK TO YOUR THREAD THEN I WILL BE HAPPY TO OFFER ADVICE THERE:D

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Have we helped you ...?         Please Donate button to the Consumer Action Group

Uploading documents to CAG ** Instructions **

Looking for a draft letter? Use the CAG Library

Dealing with Customer Service Departments? - read the CAG Guide first

1: Making a PPI claim ? - Q & A's and spreadsheets for single premium policy - HERE

2: Take back control of your finances - Debt Diaries

3: Feel Bullied by Creditors or Debt Collectors? Read Here

4: Staying Calm About Debt  Read Here

5: Forum rules - These have been updated - Please Read

BCOBS

1: How can BCOBS protect you from your Banks unfair treatment

2: Does your Bank play fair - You can force your Bank to play Fair with you

3: Banking Conduct of Business Regulations - The Hidden Rules

4: BCOBS and Unfair Treatment - Common Examples of Banks Behaving Badly

5: Fair Treatment for Credit Card Holders and Borrowers - COBS

Advice & opinions given by citizenb are personal, are not endorsed by Consumer Action Group or Bank Action Group, and are offered informally, without prejudice & without liability. Your decisions and actions are your own, and should you be in any doubt, you are advised to seek the opinion of a qualified professional.

PLEASE DO NOT ASK ME TO GIVE ADVICE BY PM - IF YOU PROVIDE A LINK TO YOUR THREAD THEN I WILL BE HAPPY TO OFFER ADVICE THERE:D

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