Jump to content


  • Tweets

  • Posts

    • Yeah I figured, unlikely I'll need credit anyway mortgage all paid off etc so I'll take that on the chin and learn from the experience. Probably would've beaten that too had I remembered the protocol, first time ever going through the process though sob it wasn't familiar to me  Oh well  
    • This is my slightly amended WS taking on board your previous comments, any suggestions for amendments would be most appreciated.  Thank you for you time.   1.        I am the Defendant in this matter. 2.        The facts in this statement come from my personal knowledge. 3.        I became aware of original Judgement following a routine credit check on or around 14th September 2020. 4.        The alleged Letter of Claim dated 7 January 2020 was served to a previous address which I moved out of in 2018, no effort was made to ascertain my correct address. 5.        The Judgement debt was not familiar to me so I began investigations to ascertain what the debt related to and how such a figure had been equated in any event. 6.        I made immediate contact with the Court, the Claimant Solicitors and the Claimants thereafter, asking them to provide me with a copy of the original loan agreement but this was not provided to me.  7.        I sent a Data Subject access Request to Barclays but no agreement was provided – See appendix 1 which details the timeline of communication between myself and Barclaycard as well as copies of correspondence between us. 8.        I do not admit to entering an agreement with Barclaycard in 2000. 9.       The claimant has failed to comply with the additional directions ordered by District Judge Davis and therefore this claim should be automatically struck out.  10.    The claimants have failed to disclose a true executed copy of the original agreement they refer to within the particulars of this claim. They are not entitled to enforce the agreement pursuant to section 78.6 (a) of the Credit Consumer Act 1974 12.   The reconstituted standard Barclaycard agreement that the claimant has included in the court bundle does not satisfy any CCA request and so the claimant is and remains in default of my CCA request and therefore unable to enforce the alleged agreement. 13.  The claimants have failed to provide proof the assignment, such as a deed of assignment. 14.  The claimant has failed to provide a statement of account setting out how the alleged debt accrued under that agreement 15.   Despite numerous requests to the claimant, I have still not seen any evidence, such as an original agreement or deed of assignment, that substantiates the claimant’s assertion that I owe the debt to the claimant, nor evidence of how the debt was accrued. 16.   As per CPR 1.4(2)(a) the court encourages parties to cooperate with each other in the conduct of proceedings in order to try and save time and costs for the parties and to also save the time and resources of the court however, despite vast attempts at mediation the claimants have been most unreasonable and have remained unwilling to mediate. I believe that the facts stated in this Witness Statement are true.  I understand that proceedings for contempt of court may be brought against anyone who makes, or causes to be made, a false statement in a document verified by a statement of truth without an honest belief in its truth.
    • A set aside application costs £275 which is more than the judgement so not worth it. Not that they would grant a set aside anyway.  Set asides are granted, for example, to people who moved and didn't get the court papers, so have a genuine reason for not defending.  Forgetting doesn't count. Your only choices are to pay up within 30 days, or defy the court and not pay.  If the latter, we've never seen a PPC enforce judgement for a single ticket, ever, you would get away without paying - but you would have a CCJ and a knackered credit file for six years.
  • Recommended Topics

  • Our picks

    • If you are buying a used car – you need to read this survival guide.
        • Like
      • 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
        • Like
      • 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

Do we reply or dont we ?????? Help


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

Thread Locked

because no one has posted on it for the last 4809 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

My husband is a self employed plasterer (though not working at the moment). He previously worked at a clients how plastering their kitchen and other rooms. When it came to plastering their kitchen they had left their fridge in the middle of the room and both gone to work. My husband had to move the fridge out of the kitchen into the hallway to be able to plaster their kitchen ceiling. When he returned to plaster another room, the wife said that he had scratched their fridge which was under 1 year old whilst moving it. My husband said he didnt bang anything but as there was more potential work there to come he would do a days labour as a good will gesture. But the husband had already informed my husband the plasterer that their children had scratched it previously.

 

Months later we have now received a letter that from the client (whom is in the legal profession)

 

Dear Plasterer,

 

Damage to Fridge Freezer

 

We have finally completed our kitchen and are now in a position to repair the fridge freezer which you damaged while carrying out plastering works.

 

I refer to our conversations when you-

a) admitted liability

b) admitted that the damage had taken place when the fridge freezer was forced through the kitchen door into the hallway by you

 

As you are aware this has resulted in approximately 14 black mark/scrathces and a large crease to the left side of the door. There were also scrapes to the handles. You attended our property where we showed you the damaged caused by you- again you agreed and apologised for the damaged caused.

 

Following a conversation between wife and yourself on that evening that the fridge freezer was damaged and a conversation you had with Ultan that following morning. You agreed that you would pay for the replacement doors and handles in way of labour ;ie; plastering our property which is a clear admission of liability.

 

Carla therefore spoke with a Samsung engineer so that a quote could be obtained. DLR Refridgeration Limiteed who act as engineers on behalf of Samsung confirmed the following, a copy of which you have seen. A further copy can be available on request.

 

To put right it would cost £258.00

 

Foloowingthe damage to the fridge freezer, you attended our property and carried out one days labour. Wife sent you a text that evening re-confirmi the arrangements and that the total damaged caused came to a figure of £236.50 inc vat. Unfortunately you then went back on your word and stated that there would be and extra days works ( 4 days instead of 3 as agreed) upstairs to complete the room and in any event you were not willing to do anymore labour free of charge which had been agreed.

 

As a result of the above, you left us no choice but to terminate our contract with you.

 

This fridge freezer was less than 1 year old when it was damaged and it cost over £1100. We are not looking to make money out of this but purely to put right what is damaged and we chose to have the fridge freezer fixed as opposed to replaced as this was a cheaper option for you and we were trying to be reasonable.

 

We are sure that you have liability insurance if you feel this is the route you wish to take. We are seeking to recover what we are legally oweed.

 

As a result of your actions, this has had the following implications:

A) we have had to research a new plasterer which has caused yet another delay to our building project.

B) inconvenience

C) Stress

 

This letter is intended to consitute a pre action letter of claim and complies with the Practice Direction of the Civil Procedure Rules where no specific pre action protocol is relevant. In the absence of payment within the next 7 days we will issue court proceedings to recover the sum due including any court fees incurred.

 

We hope you do not choose to ignore this letter.

 

 

YOurs sincerly

 

 

There are many wrong points within their letter my husband did not admit liability but did do a price reduction on their job as they promised the potentional of work upstairs which he needed. They struggled to pay Jim throughout his work at the premises.

 

The husband had already mentioned that the children had previously damaged the fridge. It was not forced out of the kitcehn, simpley moved.

The days of labour were not adjusted or changed, but the works had not been previously quoted precisely.

 

Its seems my husband is being penilised for being a helpful and kind man that he is. Note there is no complaints about his ACTUAL plastering work.

 

Please help after a rather harsh christmas financially this is not what we need !!!!

 

thank you

Link to post
Share on other sites

This is essentially a case of your word against theirs. It is clear from the letter that it is their case that your husband moved the fridge in such as way that caused it damage. They are inducing the fact that your husband offered a free days labour as evidence of him admitting liability.

 

Your husband's case is that he did move the fridge, but caused no further damage to it. Your husband claims that he was told that the fridge was already damaged and that he offered reduced labour costs as a gesture of goodwill - to diffuse the situation and also because there was the possibility of further work.

 

The claimants have the upper hand here - they have a damaged fridge and the fact that your husband admits to moving it and offered a goodwill gesture.

 

All your husband has in his defence is a denial and no evidence.

 

What should you do now?

 

If you ignore them, they could issue proceedings. Once this happens, you are on your way to court with the prospect of the judge being rather annoyed that you ignored the pre action letter of claim! Of course, if you do ignore them, there is a chance that they will forget it and move on.... it depends if you want to take this risk.

 

I would suggest acknowledging the letter. You will obviously deny the claim, so in your letter state why you deny the claim - what facts do you not agree with and why? It is not worth lying as saying that you never touched the fridge, but you could state why moving the fridge was necessary and that it was done in a careful manner.

 

I also note that they have given a time limit of 7 days - contrary to the recommendations of the pre-action protocols (which suggest a limit of 14 days.) I would not bother chasing this point up though, unless you had difficulty in replying within the 7 days they have given.

Link to post
Share on other sites

O

This is essentially a case of your word against theirs. It is clear from the letter that it is their case that your husband moved the fridge in such as way that caused it damage. They are inducing the fact that your husband offered a free days labour as evidence of him admitting liability.

 

Your husband's case is that he did move the fridge, but caused no further damage to it. Your husband claims that he was told that the fridge was already damaged and that he offered reduced labour costs as a gesture of goodwill - to diffuse the situation and also because there was the possibility of further work.

 

The claimants have the upper hand here - they have a damaged fridge and the fact that your husband admits to moving it and offered a goodwill gesture.

 

All your husband has in his defence is a denial and no evidence.

 

What should you do now?o

 

If you ignore them, they could issue proceedings. Once this happens, you are on your way to court with the prospect of the judge being rather annoyed that you ignored the pre action letter of claim! Of course, if you do ignore them, there is a chance that they will forget it and move on.... it depends if you want to take this risk.

 

I would suggest acknowledging the letter. You will obviously deny the claim, so in your letter state why you deny the claim - what facts do you not agree with and why? It is not worth lying as saying that you never touched the fridge, but you could state why moving the fridge was necessary and that it was done in a careful manner.

 

I also note that they have given a time limit of 7 days - contrary to the recommendations of the pre-action protocols (which suggest a limit of 14 days.) I would not bother chasing this point up though, unless you had difficulty in replying within the 7 days they have given.[/QUOT

 

Thanku very much for your advice

I thought it would have to be replied to, I adjust trying to figure out the best way risk so.

 

I will obviously state that the fridge was removed to complete the work needed. And that it was removed carefully. And that the good will gesture was to diffuse etc etc.

 

I am not sure in how I can make it clear that my husband isn't liable for this and that they had a day of free plastering, which they are obviously happy with ??? for free.

 

Still not feeling confident in my response letter ! Sorry

Link to post
Share on other sites

Don't try and over complicate it.

 

Simply acknowledge that you have received their letter alleging that damage was caused by you bla bla bla.

 

Then state that you deny liability and why (i.e. because the fridge was moved carefully in a way which did not cause it damage.)

 

You will also want to address the claim that liability was admitted and a days labour given free - again, just state the facts.

 

 

Does your husband have any insurance at all? It may be worth approaching a solicitor.

Link to post
Share on other sites

  • 2 weeks later...

Ok guys, we would appreciate some further advice.

 

They have received our reply letter disputing.g all of the allegations and ra fictions, politely and to the point.

 

This morning my husband received a text message from the wife of client saying they are disappointed with his letter and we will see them in court.

 

Extra worry now as my husband is not working at the moment we have little income Nd can't afford help

Link to post
Share on other sites

  • Recently Browsing   0 Caggers

    • No registered users viewing this page.

  • Have we helped you ...?


×
×
  • Create New...