Jump to content


  • Tweets

  • Posts

    • best to be sure it is a N279. not that they pull any underhand stunts of course   but we have seen it. your bal is now £0 but we'll still attend court as you'll probably not as we've said we've closed the account and we'll get a judgement by default. dx  
    • Sorry, last bit They had ticked that they wanted the application dealt with without a hearing, so is there any relevance that a date and time to attend said hearing has been sent out ?
    • I've not seen it personally but I think that's the letter Dad has had from Overdales. I'll see it tomorrow. It states balance: zero
    • Agreed as you clearly have little faith in your star runners, mind you - I have less - conditional on the welcher clause I defined being part, and that we are talking about the three defined candidates: Tice Farage and Anderson - not anyone anywhere as reform might (outside chance) get someone decent to run somewhere. If any of the three dont run - they count as a loss.   welcher clause. "If either of us loses and doesn't pay - we agree the site admin will change the welchers avatar permanently to a cows ass - specific cows ass avatar chosen by the winner - with veto by site on any too offensive - requiring another to be chosen  (or of course, DP likely allows you can delete your account and all your worthless posts to cheapskate chicken out and we'll just laugh) "
    • This is the full details, note they have made an error (1) in that paragraph 5 stated 14 days before hearing not 7. Surely a company of their size would proof read and shouldn't make basic errors like that 1) The Claimant respectfully applies for an extension of time to comply with paragraph 5 of the Order of Deputy District Judge XXX dated XX March 2024 i.e. the evidence upon which the parties intend to rely shall be filed and served not later than 7-days before the hearing. 2) The Claimant seeks a short extension of time allow them to further and properly investigate data provided to them by Royal Mail which is of importance to the proceedings and determination of the Claim. 3) The Claimant and Royal Mail have an information sharing agreement. Under the agreement, Royal Mail has provided data to the Claimant in respect of the matters forming the basis of these proceedings. The Claimant requires more time to consider this data and reconcile it against their own records. The Claimant may need to seek clarification and assurances from Royal Mail before they can be confident the data is correct and relevant to the proceedings i.e. available to be submitted as evidence. 4) The Claimant's witness is currently out of the office on annual leave and this was not relayed to DWF Law until after the event which has caused a further unfortunate delay. 5) The Court has directed parties to file and serve any evidence upon which they intend to rely not later than 14- days before the hearing i.e. by 4pm on 6 June 2024. Regrettably, the Claimant will have insufficient time to finalise their witness evidence and supporting exhibits as directed. We therefore respectfully apply to extend the time for filing/serving evidence so that the evidence upon which the parties intend to rely by filed and served not later than 7-days before the hearing i.e. by 4pm on 13 June 2024. 6) This application is a pre-emptive one for an extension of time made prior to the expiry of the deadline. In considering the application, the Court is required to exercise its broad case management powers and consider the overriding objective. 7) In circumstances where applications are made in time, the Court should be reticent to refuse reasonable applications for extensions of time which neither imperil hearing dates nor disrupt proceedings, pursuant to Hallam Estates v Baker [2014] EWCA Civ 661. 😎 It is respectfully submitted that the application is made pursuant to the provisions of CPR 3.1(2)(a) and in accordance with the overriding objective to ensure the parties are on an equal footing when presenting their cases to the Court. The requested extension of time does not put the hearing at risk and granting the Application will not be disruptive to the proceedings.   They have asked for extension Because 2) The Claimant requires additional time to consider and reconcile data received from Royal Mail which is relevant to these proceedings against their own data and records in order to submit detailed evidence in support of this Claim.
  • 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

Debt_Mountain vs Nationwide


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

Thread Locked

because no one has posted on it for the last 6413 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

LBA sent earlier this week with spreadsheet of charges excluding the interest column.

 

Just started to complete the N1 as I will obviously need it as they always go to this stage.

 

Can someone tell me the fee for court? I will be posting it to the local court in Swindon as I am in Scotland. The amount is £4500 for the charges, interest is a wopping £1200 as it goes way back to 2000. Is the fee £250 as it is over the £5000.

 

At the end of page 1 (bottom right) of the N1 there is a box asking

 

amount claimed, court fee, solicitors cost,total amount. In the amount claimed do I put the £4500 or inc interest £5700 ?

 

 

 

Only got to wait a couple of weeks now. Payout will be middle of next month if all goes to plan.

If I have helped click my scales....

 

Find my threads by clicking here

Link to post
Share on other sites

I believe the fee is £250.

 

Total box is including interest.

 

Keep us updated :)

Please note that I am not a legal expert and all advice given is without prejudice and is purely my opinion only.

 

** Nationwide - £1821.15-PAID IN FULL - Aug 06 **

** Halifax Mortgage -£390 - PAID IN FULL - Nov 06 **

Lloyds TSB - MCOL issued 09/03/07 - £2953 + costs - ON HOLD....

 

 

 

Link to post
Share on other sites

Thanks Dolly,

 

got the 2nd bogoff letter tonight. The so sorry but feel free to take your banking elsewhere.

 

found this site to be useful Her Majesty's Courts Service - Home

 

Phoned the nearest English County Court to Scotland and it is Morpeth. Berwicks is a Magistrates court. Very helpful young chap. He said you can raise the claim in any English court and if the defendant wants he can request it be moved, so I ain't going for the Swindon one now.

 

I have severed my charges (by account number) so this is the first of 2 claims, I am going to try it through the samll claims the first one (£4500), then as it will be the Nationwide's money I am using for further one(s) I will try a fast track for the remainder (approx £8000).

 

Can't wait. tick tock, tick tock.

If I have helped click my scales....

 

Find my threads by clicking here

Link to post
Share on other sites

  • 2 weeks later...

Good luck Debt Mountain! ;)

 

I haven't received a response to my prelim letter or my LBA so far - will file when I get paid.

Barclays

Settled in full 13/09/06 after LBA (£115.00):D

 

Nationwide

LBA sent 13/09/06 - Response 04/10/06.

Moneyclaim submitted 04/10/06.

Won (settled in full) 19/10/06. (£748.00):D

 

Halifax

S.A.R sent 05/10/06.

Prelim sent 14/11/06.

LBA sent 28/11/06.

Offer rejection sent 30/11/06.

 

GE Capital

S.A.R sent 25/10/06 on behalf of sister.

Incomplete statements sent.

 

Barclaycard

Prelim letter sent 30/11/06

Barclaycard agree to pay difference between charges and 12 pound OFT charge suggestion. Accepted £64.00 06/12/06.

Link to post
Share on other sites

Just phones Mrs Debt Mountain and gave her the great news.....she agreed to my idea of having a week in Tenerife in January on Nationwide (I know it was actually my cash but its more fun having it on the bank.

 

Well it is back to business as I am now going to start part 2 and go for contractual compound interest at 24.9% the current unauthorised od rate... I think. Still have some reading to do but plan on going the hole hog this time.

 

any views on setting the contractual limit?

 

thanks to all for the info and support.

 

I am so chuffed and they seamed to refund very quickly...never even got a reply from the court before the cash was in the account.

If I have helped click my scales....

 

Find my threads by clicking here

Link to post
Share on other sites

Well done! :D

Barclays

Settled in full 13/09/06 after LBA (£115.00):D

 

Nationwide

LBA sent 13/09/06 - Response 04/10/06.

Moneyclaim submitted 04/10/06.

Won (settled in full) 19/10/06. (£748.00):D

 

Halifax

S.A.R sent 05/10/06.

Prelim sent 14/11/06.

LBA sent 28/11/06.

Offer rejection sent 30/11/06.

 

GE Capital

S.A.R sent 25/10/06 on behalf of sister.

Incomplete statements sent.

 

Barclaycard

Prelim letter sent 30/11/06

Barclaycard agree to pay difference between charges and 12 pound OFT charge suggestion. Accepted £64.00 06/12/06.

Link to post
Share on other sites

Wow Debt Mountain - well done enjoy spending YOUR money - I'm currently going for contractual compounded interest (24.9%) and I'm studying this whole site to get my wording correct on the court papers - I've still got to wait 6 days before I can start the legal process

mmmm...Tenerife in January....sounds like a great idea

PLEASE sign this petition to reduce amount of time CRAs hold your data

http://petitions.number10.gov.uk/CreditRA

 

I HATE MBNA :evil::-x:mad::-x

Link to post
Share on other sites

Looking for some advice here.

 

I have received all but a few hundred of my claim, I have informed the court and Charles (Mr Bacon) I have received part payment but am still awaiting the remainder before I inform the court that the claim is settled.

 

My question is, can I start my next claim against them knowing that Nationwide will pay the balance in the next few days (week max) or am I just being impatient?

 

Don't want to jeopordize my next claim for the sake of a few days?

 

I suppose I have just answered my own question, but what do youz think.

 

DM

If I have helped click my scales....

 

Find my threads by clicking here

Link to post
Share on other sites

Wow they paid out quickly!!!!!!

 

Mines were served on 29th too, me gonna check my balance!!

***Nationwide***

Data Protection Sent 05/08/06

Statements received 17/08/06

Prelim Sent Rec Delivery £1231.50 18/08/06

LBA Sent 11/09/06 Rec Delivery

N1 Issued 28/09/2006 for £1561.80 inc Interst

Date of Service 30/09/2006

***WON*** NATIONWIDE PAID 12/10/06

Link to post
Share on other sites

update

 

final amount now on its way...final payment received today (hopefully)

 

what I did was

 

7:45am Sent my "thanks for the part payment ....so you in court" email first thing to Mr Bacon so don't know if that helped. But I just asked and no questions were asked.

 

10:30am I phoned the number on the letter saying they had short paid me (01793 712603) and was put through to another department. Very polite and helpful people.

 

They said that the shortfall would be put into my account today...

 

They implied there was also a letter in the post about the additional missing funds as if it had been processed prior to my intervention today.

 

Cooool.

 

Second claim can now commence....request sent recorded today so I can close off case 1 today and case 2 starts when they get the prelim request tomorrow.

If I have helped click my scales....

 

Find my threads by clicking here

Link to post
Share on other sites

  • 1 month later...

:) Well I am smiling at the moment because I have finally received my subject access request which I sent off for almost four weeks ago. I had my strategy, but as time has lapsed I now find I am having to go over everything I need to do. So I have highlighted all charges over six years. Have written prelim letter but now I have to complete a schedule of charges right? I see there are two versions on excel on this site, is the more complex one the best? Do I have to state when I was charged and when the acual money was take from my account? Can anyone please advise. By the way its great to read all the success stories...well done all.

Thanks to anyone who's listening in...:?

Link to post
Share on other sites

  • Recently Browsing   0 Caggers

    • No registered users viewing this page.

  • Have we helped you ...?


×
×
  • Create New...