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    • further polished WS using above suggestions and also included couple of more modifications highlighted in orange are those ok to include?   Background   1.1  The Defendant received the Parking Charge Notice (PCN) on the 06th of January 2020 following the vehicle being parked at Arla Old Dairy, South Ruislip on the 05th of December 2019.   Unfair PCN   2.1  On 19th December 2023 the Defendant sent the Claimant's solicitors a CPR request.  As shown in Exhibit 1 (pages 7-13) sent by the solicitors the signage displayed in their evidence clearly shows a £60.00 parking charge notice (which will be reduced to £30 if paid within 14 days of issue).  2.2  Yet the PCN sent by the Claimant is for a £100.00 parking charge notice (reduced to £60 if paid within 30 days of issue).   2.3        The Claimant relies on signage to create a contract.  It is unlawful for the Claimant to write that the charge is £60 on their signs and then send demands for £100.    2.4        The unlawful £100 charge is also the basis for the Claimant's Particulars of Claim.  No Locus Standi  3.1  I do not believe a contract with the landowner, that is provided following the defendant’s CPR request, gives MET Parking Services a right to bring claims in their own name. Definition of “Relevant contract” from the Protection of Freedoms Act 2012, Schedule 4,  2 [1] means a contract Including a contract arising only when the vehicle was parked on the relevant land between the driver and a person who is-   (a) the owner or occupier of the land; or   (b) Authorised, under or by virtue of arrangements made by the owner or occupier of the land, to enter into a contract with the driver requiring the payment of parking charges in respect of the parking of the vehicle on the land. According to https://www.legislation.gov.uk/ukpga/2006/46/section/44   For a contract to be valid, it requires a director from each company to sign and then two independent witnesses must confirm those signatures.   3.2  The Defendant requested to see such a contract in the CPR request.  The fact that no contract has been produced with the witness signatures present means the contract has not been validly executed. Therefore, there can be no contract established between MET Parking Services and the motorist. Even if “Parking in Electric Bay” could form a contract (which it cannot), it is immaterial. There is no valid contract.  Illegal Conduct – No Contract Formed   4.1 At the time of writing, the Claimant has failed to provide the following, in response to the CPR request from myself.   4.2        The legal contract between the Claimant and the landowner (which in this case is Standard Life Investments UK) to provide evidence that there is an agreement in place with landowner with the necessary authority to issue parking charge notices and to pursue payment by means of litigation.   4.3 Proof of planning permission granted for signage etc under the Town and country Planning Act 1990. Lack of planning permission is a criminal offence under this Act and no contract can be formed where criminality is involved.   4.4        I also do not believe the claimant possesses these documents.   No Keeper Liability   5.1        The defendant was not the driver at the time and date mentioned in the PCN and the claimant has not established keeper liability under schedule 4 of the PoFA 2012. In this matter, the defendant puts it to the claimant to produce strict proof as to who was driving at the time.   5.2 The claimant in their Notice To Keeper also failed to comply with PoFA 2012 Schedule 4 section 9[2][f] while mentioning “the right to recover from the keeper so much of that parking charge as remains unpaid” where they did not include statement “(if all the applicable conditions under this Schedule are met)”.     5.3         The claimant did not mention parking period, times on the photographs are separate from the PCN and in any case are that arrival and departure times not the parking period since their times include driving to and from the parking space as a minimum and can include extra time to allow pedestrians and other vehicles to pass in front.    Protection of Freedoms Act 2012   The notice must -   (a) specify the vehicle, the relevant land on which it was parked and the period of parking to which the notice relates;  22. In the persuasive judgement K4GF167G - Premier Park Ltd v Mr Mathur - Horsham County Court – 5 January 2024 it was on this very point that the judge dismissed this claim.  5.4  A the PCN does not comply with the Act the Defendant as keeper is not liable.  No Breach of Contract   6.1       No breach of contract occurred because the PCN and contract provided as part of the defendant’s CPR request shows different post code, PCN shows HA4 0EY while contract shows HA4 0FY. According to PCN defendant parked on HA4 0EY which does not appear to be subject to the postcode covered by the contract.  6.2         The entrance sign does not mention anything about there being other terms inside the car park so does not offer a contract which makes it only an offer to treat,  Interest  7.1  It is unreasonable for the Claimant to delay litigation for  Double Recovery   7.2  The claim is littered with made-up charges.  7.3  As noted above, the Claimant's signs state a £60 charge yet their PCN is for £100.  7.4  As well as the £100 parking charge, the Claimant seeks recovery of an additional £70.  This is simply a poor attempt to circumvent the legal costs cap at small claims.  7.5 Since 2019, many County Courts have considered claims in excess of £100 to be an abuse of process leading to them being struck out ab initio. An example, in the Caernarfon Court in VCS v Davies, case No. FTQZ4W28 on 4th September 2019, District Judge Jones-Evans stated “Upon it being recorded that District Judge Jones- Evans has over a very significant period of time warned advocates (...) in many cases of this nature before this court that their claim for £60 is unenforceable in law and is an abuse of process and is nothing more than a poor attempt to go behind the decision of the Supreme Court v Beavis which inter alia decided that a figure of £160 as a global sum claimed in this case would be a penalty and not a genuine pre-estimate of loss and therefore unenforceable in law and if the practice continued, he would treat all cases as a claim for £160 and therefore a penalty and unenforceable in law it is hereby declared (…) the claim is struck out and declared to be wholly without merit and an abuse of process.”  7.6 In Claim Nos. F0DP806M and F0DP201T, District Judge Taylor echoed earlier General Judgment or Orders of District Judge Grand, stating ''It is ordered that the claim is struck out as an abuse of process. The claim contains a substantial charge additional to the parking charge which it is alleged the Defendant contracted to pay. This additional charge is not recoverabl15e under the Protection of Freedoms Act 2012, Schedule 4 nor with reference to the judgment in Parking Eye v Beavis. It is an abuse of process from the Claimant to issue a knowingly inflated claim for an additional sum which it is not entitled to recover. This order has been made by the court of its own initiative without a hearing pursuant to CPR Rule 3.3(4)) of the Civil Procedure Rules 1998...''  7.7 In the persuasive case of G4QZ465V - Excel Parking Services Ltd v Wilkinson – Bradford County Court -2 July 2020 (Exhibit 4) the judge had decided that Excel had won. However, due to Excel adding on the £60 the Judge dismissed the case.  7.8        The addition of costs not previously specified on signage are also in breach of the Consumer Rights Act 2015, Schedule 2, specifically paras 6, 10 and 14.   7.9        It is the Defendant’s position that the Claimant in this case has knowingly submitted inflated costs and thus the entire claim should be similarly struck out in accordance with Civil Procedure Rule 3.3(4).   In Conclusion   8.1        I invite the court to dismiss the claim.  Statement of Truth  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.   
    • Well the difference is that in all our other cases It was Kev who was trying to entrap the motorist so sticking two fingers up to him and daring him to try court was from a position of strength. In your case, sorry, you made a mistake so you're not in the position of strength.  I've looked on Google Maps and the signs are few & far between as per Kev's MO, but there is an entrance sign saying "Pay & Display" (and you've admitted in writing that you knew you had to pay) and the signs by the payment machines do say "Sea View Car Park" (and you've admitted in writing you paid the wrong car park ... and maybe outed yourself as the driver). Something I missed in my previous post is that the LoC is only for one ticket, not two. Sorry, but it's impossible to definitively advise what to so. Personally I'd probably gamble on Kev being a serial bottler of court and reply with a snotty letter ridiculing the signage (given you mentioned the signage in your appeal) - but it is a gamble.  
    • No! What has happened is that your pix were up-to-date: 5 hours' maximum stay and £100 PCN. The lazy solicitors have sent ancient pictures: 4 hours' maximum stay and £60 PCN. Don't let on!  Let them be hoisted by their own lazy petard in the court hearing (if they don't bottle before).
    • Thanks for all the suggestions so far I will amend original WS and send again for review.  While looking at my post at very beginning when I submitted photos of signs around the car park I noticed that it says 5 hours maximum stay while the signage sent by solicitor shows 4 hours maximum stay but mine is related to electric bay abuse not sure if this can be of any use in WS.
    • Not sure what to make of that or what it means for me, I was just about to head to my kip and it's a bit too late for legalise. When is the "expenditure occured"?  When they start spending money to write to me?  Or is this a bad thing (as "harsh" would imply)? When all is said and done, I do not have two beans to rub together, we rent our home and EVERYTHING of value has been purchased by and is in my wife's name and we are not financially linked in any way.  So at least if I can't escape my fate I can at least know that they will get sweet FA from me anyway   edit:  ah.. Sophia Harrison: Time bar decision tough on claimants WWW.SCOTTISHLEGAL.COM Time bar is a very complex area of law in Scotland relating to the period in which a claim for breach of duty can be pursued. The Scottish government...   This explains it like I am 5.  So, a good thing then because creditors clearly know they have suffered a loss the minute I stop paying them, this is why it is "harsh" (for them, not me)? Am I understanding this correctly?  
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      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.

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Eviction Date 4th June - Kensington Leading Me On SUSPENDED


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I am with Kensington and i have arrears of £40K, i have had a suspension by the court once, since then i was unable to make payments.

 

This was due to the fact that I split with my partners and sued them, had a lenghthy court battle, won however my partners went bankrupt they could not pay me which was being used to help reduce my arrears, i then had a state of ill health due to this. The solicitors then made me bankrupt back in June 2009 and i am now coming out of that and have light at the end of the tunnel.

 

However since Feb this year i have been trying to come to arrangement with Kensington. I am now self employed earning good money, and have made offers and they have been turned down.

 

They have asked for this and that, which i have sent and I already had an eviction date set for 4th June.

 

I offered them 300.00 per month on top of my mortgage of 1240.00 they gave me permission to move lodgers in which would bring a further 750 per month in.

 

They have refused saying that they want a lump sum, i have explained I am bankrupt etc and that they are not looking at my needs.

 

How am i supposed to give them a lump sum?

 

I asked what they want in form of lump sum today they told me full arrears.

 

I am going to go court again and ask for a suspension hearing to stop the eviction, to either ask for time to sell the house in 3 months? also say that under fsa rules they are not looking at my case based on what i can afford and that this is one aspect they were recently fined on?

 

or because the have now dragged it on so long to ask for time to move out as i was given false hope on constant sending of documents to them.

 

Last time my case was heard it was in front of a senior district judge and i remember her saying if i come back to court it must go back to her, should i make the court aware

 

Obviously time is of the essence to get form in and get date, also the fact they declined my offer and review kensington on Friday before bank holiday

 

What is advice if any

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OK, you need to decide whether you want to keep the house and pay off the arrears over a period of time OR do you want to ask the court for time to sell (and make increased payments while it is on the market) ? either way there is case law we can use to support your case.

 

As soon as you let me know I can draft a statement to go with the N244.

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Also, you will need to complete a budget sheet to go with the N244 (I have affixed one to this post). When filling it in, the amount you can afford to pay towards the arrears in addition to the normal monthly payment, is the amount left over after everything else has been accounted for. You will also need some proof of your income as you are self employed.

Budget Sheet.xls

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OK, you need to decide whether you want to keep the house and pay off the arrears over a period of time OR do you want to ask the court for time to sell (and make increased payments while it is on the market) ? either way there is case law we can use to support your case.

 

As soon as you let me know I can draft a statement to go with the N244.

 

 

I do wish to stay in my home, however I have been here, although my prior track record is not good there was mitigating circumstances, and now i am coming to the end of my bankruptcy I will no longer have other debt to pay except my mortgage and I know that i can afford this now and with paying arrears off.

 

My offer to Kensington was to pay £300 per month on top of my payment and after 3 months review, they suggested to me that I keep to these payments for 3 months there is possibility that the rest can be capitalised.

 

Which is great if i can get them to agree.

 

I did note that they were fined recently by the FSA and one of the aspects was as follows:-

 

Read Point 2 of 2.3

 

" 2.3. Kensington breached Principle 6 during the Relevant Period in that it failed to pay due regard to the interests of certain of its customers and treat them fairly. In particular, the following failings were identified in that the Firm:

(1) failed to take reasonable steps to ensure that the mortgage servicing staff acting on its behalf had an adequate understanding of and implemented the requirement to treat customers fairly in handling its mortgage arrears and repossessions activities;

(2) focused on the collection of payment of arrears over a short period of time within fixed mandates, rather than establishing a suitable arrangement to pay based on the customer’s individual circumstances; and

(3) did not have an appropriate cost-based approach to the calculation of certain charges and applied three charges to customers’ accounts that were unfair and/or excessive. "

 

I am bankrupt and they are asking me to make a lump sum payment, and i asked how much they said half or full amount, which in my opinion is not taking into consideration my circumstances?

 

That's like asking an Ethiopian to give you 2 Gallons of Water

 

I do want to stay but also may put it on the market as well as one similar in my block sold very well

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Hi there, I'm just starting to draft your statement, but need some info:

 

Is the mortgage in your name only?

Do you have any children?

Have you completed the budget sheet?

Do you have proof of your income?

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Hi there, I'm just starting to draft your statement, but need some info:

 

Is the mortgage in your name only?

Do you have any children?

Have you completed the budget sheet?

Do you have proof of your income?

 

Hi , thanks

 

The Mortgage is in my name

I have no children im single

Yes i have proof

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Great. Affixed is the statement for Q10 of the N244 form (suggested format). You will need to enter the information where there are XXX's at the top (the info will be on the eviction notice). When you print it out make sure your printer is set for A4 paper (not Letter size). If you need to add anything to the statement, try to do it so that the text all stays on one page.

 

On the budget sheet you need to write the Claim number on the top left hand corner and Appendix 1 on the top right hand corner. Do the same on any documents you use to prove your income (they will go with the budget sheet).

 

Also affixed is an N244 form, and these are the instructions for completing it:

 

 

1. Your name

2. Tick Defendant

3. Suspension of eviction

4. No

5. Tick at a hearing

6. 15 minutes

Agreed by all parties: No

7. Write - Not applicable

8. District

9. Both Parties

10. Tick box for attached witness statement

Cross out all options except I Believe

Sign and cross out all options except Applicant

11. Sign and cross out all options except Applicant. Enter your address and contact details.

 

 

Now assemble as follows:

 

 

N244 - signed

Statement - signed

Budget sheet and proof of income - Appendix 1.

 

 

This forms the pack to take to court tomorrow - you need to take a copy of it all so you have a set to refer to in the hearing. Make sure the pack for court is stapled securely. There will be a fee of £35.00 to pay and you should take the eviction warrant along to show the court counter staff.

 

 

Any questions, just shout.

 

 

Ell

Diverse99 Statement.doc

n244_0400.pdf

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OK, let us know when the hearing is.

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I will change from District to Circuit as the last case was heard by Circuit Judge and her notes say if reffered that should be heard again in front of her or other Circuit Judge.

 

One thinng i did note that when i got my letter from there lawyers saying i have 7 days to respond which was in Feb, that the week before the letter they had changed my home address to the correct address, as I had stated to the judge that i had not got all mail as my mail had gone to the wrong address, this was in 2008 and she ruled that they should change, they only did this 6 weeks ago, should i mention that tehy have only just done this obviously to comply now as we are back at eviction status again.

 

Takes them a whole year to change my address

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Yes, certainly mention that - you should start a new bullet point with "I wish to bring to the court's attention that despite the court ordering at the previous hearing in 2008 that the Claimant correct my address to ensure I received all correspondence, this was not done until 6 weeks ago"

(or something along those lines)

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Hi Ellen

 

Really appreciate your help one other thing the Court Case your have cited in the Form, what does that actually mean.

 

Also should i mention about the FSA ruling and that Kensington are doing the same again and not looking at peoples circumstances

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Sorry, I forgot to explain the Norgan ruling. This case law allows a judge to consider an order whereby the arrears can be spread over the remaining term of the mortgage (in other words longer than the lender would like :)) if necessary.

 

I have affixed a copy of the case. It's for your information only, you don't need to take it to court - the judge will know exactly what the Norgan case is, as it is regularly used in repossession defences.

Cheltenham & Gloucester v Norgan.doc

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Sorry, I forgot to explain the Norgan ruling. This case law allows a judge to consider an order whereby the arrears can be spread over the remaining term of the mortgage (in other words longer than the lender would like :)) if necessary.

 

I have affixed a copy of the case. It's for your information only, you don't need to take it to court - the judge will know exactly what the Norgan case is, as it is regularly used in repossession defences.

 

 

Thank you for that, and one last thing..

 

I have added a few things on the bullet points, should i mention that I feel the Kensington is not looking at my case properly as outlined in the recent fine findings by the fsa which i have quoted earlier

 

Your thoughts

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You should include anything you think is relevant (and true), but be prepared to be able to substantiate anything anything you are relying on - the judge may question why you think he should consider your points.

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Diverse if you have been made bankrupt and are currently bankrupt surely the official receiver,your trustee in bankruptcy will be in charge of your financial affairs and will have placed I think a form J restriction on the property and own any interest you may retain in it.

I believe the current law is that your interest must be realised ie sold by your trustee within 3 years otherwise the interest reverts back to you.

If you have a partner with any interest in the property and the property is in negative equity it is usually the case they can buy your interest from the receiver for a nominal sum usually £1.

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Diverse if you have been made bankrupt and are currently bankrupt surely the official receiver,your trustee in bankruptcy will be in charge of your financial affairs and will have placed I think a form J restriction on the property and own any interest you may retain in it.

I believe the current law is that your interest must be realised ie sold by your trustee within 3 years otherwise the interest reverts back to you.

If you have a partner with any interest in the property and the property is in negative equity it is usually the case they can buy your interest from the reciver for a nominal sum usually £1.

 

That is correct , however how does that help me without sounding stupid, and how do i make the court aware and does this benifit me

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Diverse

I believe dependent on the amount you were made bankrupt for the official receiver has strict charge of all your financial affairs for 12 months.

The question you must ask yourself is how much do you owe and you would have to include your arrears in this and how much is your property worth?

Please remember that the receiver will apply any profit you make from the sale of your property to pay off your debts,you will then receive the balance.

Bankruptcy means effectively that ownership of your property has now passed to the official receiver.

All your debts will be wiped out after a year but as I say the calculation needs to be made,how much do you owe other creditors including kensington and the arrears.How much is your property worth?will you come out with a net gain?

Perhaps it would be worth discussing this,first thing this morning with the official receiver,ring them they are not ogres and discuss your situation with them,you need to stay within the bankruptcy laws..

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Diverse

I believe dependent on the amount you were made bankrupt for the official receiver has strict charge of all your financial affairs for 12 months.

The question you must ask yourself is how much do you owe and you would have to include your arrears in this and how much is your property worth?

Please remember that the receiver will apply any profit you make from the sale of your property to pay off your debts,you will then receive the balance.

Bankruptcy means effectively that ownership of your property has now passed to the official receiver.

All your debts will be wiped out after a year but as I say the calculation needs to be made,how much do you owe other creditors including kensington and the arrears.How much is your property worth?will you come out with a net gain?

Perhaps it would be worth discussing this,first thing this morning with the official receiver,ring them they are not ogres and discuss your situation with them,you need to stay within the bankruptcy laws..

 

Hi many thanks for your reply, I am aware that the property currently has no equity in it at the moment, this was at the start of the Bankruptcy, but I will give them a call to see what they have to say

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Hi, let us know what they say. You will have to do something today though if your eviction is set for 4th and you are asking for a circuit judge.

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Please consider making a donation, however small, if you have benefited from advice on the forums

 

 

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My advice is based on my opinion and experience only. It is not to be taken as legal advice - if you are unsure you should seek professional help.

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Hi, let us know what they say. You will have to do something today though if your eviction is set for 4th and you are asking for a circuit judge.

 

Hi Ell-enn

 

I am about to head to the Court now and take my forms and fee in, I have already telephoned the Court and explained, and they have checked the previous paper work and I am right, this has to go back in front of a Circuit Judge.

 

Will let you know my date for hearing.

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UPDATE

 

Just been to the County Court to process my Application for Suspension of Eviction has now gone into the Court to be heard before a Circuit Judge.

 

The Court has vacated the eviction date on the 4th June 2010 and put the hearing in for the 7th June 2010 at 10.30am as there is no Circuit Judges in this week

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Hi Diverse - if I were you I would ring the Court Bailiffs, just to make sure the information has got to them that the eviction will not take place on 3rd June.

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Have been offered the difference between the £20 and £12 charges from Capital One -- am sending LBA for remainder.

GE Money - Received settlement of £441, being total charges requested. No interest though.

CCA'd Bank of Scotland / Blair Oliver Scott to produce CCA Agreements on two Credit Cards - well in default, although still chasing payment!!!

EOS Solutions "ceased action on account" on behalf of a friend.

 

All in all, quite busy at the moment and enjoying every minute of it
:eek:

 

 

 

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OK, you need to decide whether you want to keep the house and pay off the arrears over a period of time OR do you want to ask the court for time to sell (and make increased payments while it is on the market) ? either way there is case law we can use to support your case.

 

As soon as you let me know I can draft a statement to go with the N244.

 

 

Hi Ell-Enn and all that gave advice.

 

Today I attended County Court after having the eviction on the 4th June 2010 vacated as I put my Suspension Notice In, the case was heard today in front of a Circuit Judge.

 

The Judge Ruled in my favour, and that the following

 

The Eviction is Suspended Until 6th September 2010

 

I am to make my normal monthly mortgage payments

 

Where Possible Based On My Budget Sheet Pay an Additional 300 for the arrears however this is not part of the order.

 

He will then review the case in September 2010

 

He went to go on an say that the case was very unique in the way Kensington had treated me, and that if he was to grant eviction as I am about to come out of my Bankruptcy would put me back in financial hardship and I am now back on my feet.

 

The lawyers said that he wanted the order to show that if i do not pay as when due that they can seek eviction. The Judged ruled NO, in that he will wait to the 6th September 2010 and judge then. They asked about costs, he also said that he will not award costs until he reviews the case in September 2010

 

So i would like to say thank you to all that advised and especially Ellen thank you

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