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    • Received a final demand today Final demand.pdf
    • Here is my final draft: I, XXXXXX, being the Defendant in this case will state as follows; I make this Witness Statement in support of my defence in the claim and further to my set aside application dated 1 November 2022. The claimants witness statement confirms that it mostly relies on hearsay evidence as confirmed by the drafts in person in the opening paragraph. It is my understanding they must serve notice to any hearsay evidence pursuant to CPR 33.2(1)(B) (notice of intention to rely on hearsay evidence) and Section 2 (1) (A) of the Civil Evidence Act.   1.        The claimant failed to comply with the additional directions ordered by District Judge Davis on the 2 February 2024 'The Claim shall be automatically struck out at 4pm on 3 April 2024 unless the Claimant delivers to the Court and to the Defendant the following documents.' None of these documents were received by the court nor the defendant by that date.   2.        I understand that the claimant is an Assignee, a buyer of defunct or bad debts, which are bought on mass portfolios at a much reduced cost to the amount claimed and which the original creditors have already wrote off as a capital loss and claimed against taxable income as confirmed in the claimants witness statement exhibit by way of the Deed of Assignment.   As an assignee or creditor as defined in section 189 of the CCA this applies to this new requirement on assignment of rights.  This means that when an assignee purchases debts (or otherwise acquires rights under a credit agreement) it also acquires certain obligations to the borrower including the duty to comply with CCA requirements (such as the rules on statements and notices and other post-contractual information).  The assignee becomes the creditor under the agreement. This ensures that essential consumer protections under the CCA cannot be circumvented by assigning the debt to a third party.   3.        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.  I have attached a copy of my tenancy agreement which is marked ‘Appendix 1’ and shows I was residing at a difference address as of 11 December 2018 and was therefore not at the service address at the time the proceedings were served.  I have also attached an email from my solicitors to the Claimants solicitors dated 14 July 2022 which was sent to them requesting that they disclose the trace of evidence they utilised prior to issuing the proceedings against me.  This is marked ‘Appendix 2’.  The claimants solicitors did not provide me with these documents.   4.        Under The Pre-Action Protocol for Debt Claims 2017 a Debt Buyer must undertake all reasonable enquiries to ensure the correct address of a debtor, this can be as simple as a credit file search. The Claimant failed to carry out such basic checks. Subsequently all letters prior to and including ,The Pre action Protocol letter of claim dated 7 January 2020 and the claim form dated 14th February 2020 were all served to a previous address which I moved out of in 2018.   5.        I became aware of original Judgement following a routine credit check on or around 14th September 2020.   6.        Upon the discovery of the Judgement debt, I made immediate contact with the Court and the Claimant Solicitors, putting them on notice that I was making investigations in relation to the Judgement debt as it was not familiar to me.  I asked them to provide me with a copy of the original loan agreement but this was not provided to me.   The correspondence to the Claimant Solicotors is attached and marked ‘Appendix 3’   7.        I then sent a Data Subject Access Request to Barclays but no agreement was provided. Details the timeline of communication between myself and Barclays are attached and marked ‘Appendix 4’and the copies of correspondence between myself and Barclays are attached and marked ‘Appendix 5’.   8.        The claimant relies upon and exhibits a reconstituted version of the alleged agreement.   It is again denied that I have ever entered into an agreement with Barclaycard on or around 2000.  It is admitted that I did hold other credit agreements with other creditors and as such should this be a debt that was assigned to Barclaycard from another brand therefore the reconstituted agreement disclosed is invalid being pre April 2007 and not legally enforceable pursuant to HH Judge Waksman in Carey v HSBC 2009 EWHC3417.  Details of this are attached and marked ‘Appendix 6’.   The original credit agreement must be provided along with any reconstituted version on a modified credit agreement and must contain the names and address of debtor and creditor, agreement number and cancelation clause.   9.        Therefore the claimant is put to strict proof to disclose a true executed legible agreement on which its claim relies upon and not try to mislead the court.   10.   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. Until such time the claimant can comply and disclose a true executed copy of the original assigned agreement they refer to within the particulars of this claim they are not entitled while the default continues, to enforce the agreement pursuant to section 78.6 (a) of the Credit Consumer Act 1974. 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. Signed                 ………………………………………………….. Name                  XXXX Date                     30 April 2024
    • Only trying to help.  Ain't being nasty.  Some
    • Hi folks, I've just found previous documentation. I thought it had gone missing. I'd forgotten that I did appeal it through POPLA but I can't find the thread on here that, I assume, I posted for help. Appeal letter is dated 27/10/2020 with a rejection. I genuinely had forgotten about this so apologies for misleading you. A lot has happened in the years since the ticket was issued. We closed down a couple of businesses and moved to the opposite end of the country to retire. The documents I have are scanned copies. I no longer have the originals. The NTK is also in there. If there's anything you'd like to see, please let me know and I'll post them, although it probably won't be until tomorrow now, but I'll be looking in on this page tonight. Thank you for the responses so far
    • Hello! After emailing them I received this reply:   I have drafted the following, please would you be able to comment as to if you think it is correct/sufficient? "Thank you for your email.   Thanks you for confirming that the vehicle does not have these features as stated in the advertisement.    I am sure you are aware that the Consumer Rights Act 2015 provides the short term right to reject within 30 days. Statutory rights cannot be taken away from a consumer, and any attempt to do so is illegal.   Please can you advise how best to return the vehicle?" Thanks in advance!
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    • 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.

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      OT APPROVED, 365MC637, FAROOQ, EVRi, 12.07.23 (BRENT) - J v4.pdf
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brother and council tax summons


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brother pays his council tax every month in cash at those paypoint machines. i know its by the 1st of each month but this month he was a day late. the 1st was a friday and he paid in cash on sat 2nd april being a saturday.

 

this morning he received a summons to the local magistrate court for an application for a liability order with £55 costs.

this shows that these liability order summons come from the council and not the court as we are talking of only a few days from payment to summons

 

WHERE DOES HE STAND WITH THIS

 

1. HE IS NOT IN AREARS, ONLY ONE DAY LATE IN MAKING THE PAYMENT

2/ WHERE DOES HE STAND WITH THE £55 COSTS ISSUE

3. WHAT ABOUT PRE ACTION PROTOCOL GOING STARIGHT IN WITH THE LIABILITY ORDER APPLICATION

4/ how can the council charge costs as the bill was paid prior to the liability order application

5/ there is no debt as that was the last payment for 2010-2011 tax year he made, dated april to april

 

i can see whats happened is that he has made the payment as i was with him when he did but the machine is late updating the council records. he paid by the paypoint operator scannng the barcode on the council tax bill.

i doubt even paying by direct debit would be a quicker method of payment

 

if it was me i would go to court and tell the magistrate that the council tax bill has been paid but need advice people

Edited by postggj
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if he has cleared the summonsed debt, simply contact the council and they can cancel the summons

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[/b][/u]1. HE IS NOT IN AREARS, ONLY ONE DAY LATE IN MAKING THE PAYMENT

2/ WHERE DOES HE STAND WITH THE £55 COSTS ISSUE

3. WHAT ABOUT PRE ACTION PROTOCOL GOING STARIGHT IN WITH THE LIABILITY ORDER APPLICATION

4/ how can the council charge costs as the bill was paid prior to the liability order application

5/ there is no debt as that was the last payment for 2010-2011 tax year he made, dated april to april

 

 

If this was his last payment for 2010/2011 then I would suspect the Council are correct in what they have done. Most Councils accept only 10 monthly instalments meaning the last should have been paid on 1 January 2011. There are some who will allow the full 12 months but even there that means it should have been paid on 1 March 2011. There is also another possibility that the monies he has paid have been put towards this years CT bill - 2011/2012. He really needs to contact the Council to see where his payment has gone, I would also suspect that sometme within the last year he has been served with a reminder - or two - that he has been late paying.

 

PT

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A Court Summons cannot be issued after only 1 reminder unless the amount due has not been paid within 7 days of the issuing of the reminder.

 

What I usually find (I work in a council tax dept) is that where a summons is issued so late in the year it is down to the fact that there has already been a reminder issued earlier in the year. Some councils will issue 2 reminders and a final notice but the final notice is not mandatory in all cases.

 

The council is the only one who can confirm what has happened but if he has only paid the instalments on the 1st of the month then he will not have made payment in time as the paypoint payments take 3-7 days to clear and it should be received by the council no later than the 1st of the month. There may also be an issue with him paying in march as most councils (although some will) do not give instalment schemes past january (as per the statutory instalment plan)

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