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    • Hello, Following the submission of my defense, last night I received an email from DCBL indicating that the claimant intends to proceed with the claim (I've attached a screenshot of the email for reference) along with the N180 directions questionnaire. I'm unsure how they obtained my email, but I suspect it was through the courts' form when I completed the Acknowledgment of Service. This email almost slipped my attention. I have also today received a letter from court to state they have received my defense.  It appears they are requesting an online telephone hearing with the court. Could you please advise me on the necessary steps I should take at this point? Thank you for your assistance. Letter-Email 25-04-24.pdf N180 - Directions questionnaire (Small Claims Track).pdf
    • Default Amount £9237.88, all this started in 2006 Admitted debt £9075.65 Weightmans added £1515.01 immediately they became involved, no explanation The Statement shows when Marlin bought debt in May 2011 £10439.25 Their statements, not received until the SAR, are based on this. Cabot deducted £1515.01on their statements in January 2019, again did not find this out until SAR. Weightmans added in  2007 after the CH1 etc was confirmed by the court £741.50, made up of Process server fees, Court Fee (they tried for bankruptcy), Solicitors fee and Land Registry fee. Unspecfied Legal costs were added by Marlin in March 2015, again I did not know this until statements received with SAR I had been paying monthly, without exception until December 2018. I am minded to take the property charge, CH1 amount ,deduct all my payments and the subsequent fees, and request/demand a refund on the final payment made? I consistently disputed Weightmans balances, but they never responded. I also told Mortimer Clarke/Cabot that I disputed their amounts.  
    • Just follow this link and have read of some threads so your familiar with the process https://www.consumeractiongroup.co.uk/topic/347310-legal-n180-directions-questionnaire-small-claims-track/#comment-5178739
    • Sorry,  I'm not familiar with terminology.  Direction questionnaire is what I've seen online as next step. Witness statement: I haven't gone that far, that's why I put the question marks.
    • 2. Is correct disregard 1. You must attend ad per the order 
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      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.

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    • Housing Association property flooding. https://www.consumeractiongroup.co.uk/topic/438641-housing-association-property-flooding/&do=findComment&comment=5124299
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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.

      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.
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      This is good ethical practice.

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      OT APPROVED, 365MC637, FAROOQ, EVRi, 12.07.23 (BRENT) - J v4.pdf
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Guest willowb

Whilst I think that some people may well have used this site and probably had no intention of donating from the beginning even though they could have, there definately are people here whose 'winnings' have been swallowed up with overdrafts or they are that hard up that actually feeding and clothing their family is more important to them than donating to this site. Everything I have won because of this site has been 'swallowed up' just leaving £250 but I still donated £100 because I would have been in a worse situation if it weren't for CAG existing.

 

As for having a go at Edinburghbucket........leave him the hell alone! the guy was just asking a question...........does that give anyone the right to jump on him like he's Dr Evil himself.........and he didn't start up this argument again, I bet he's sick to death of it! If you actually read his posts you'll see that he is grateful and that he's all for donating.

 

If I see someone being misrepresented it makes me angry or if I see someone being 'picked on' for no good reason that too makes me angry.

 

Edinburghbucket.........why has this started again?????:-| lordy lord!!!

 

Wxx

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willow...dont worry the debate hasn't 'started again'. i don't think edinburgh was wrong to ask the question...and my official opinion on the subject if you check was that 'i don't give a stuff'!:D

 

no, my anger is nowt to do with edinburgh, its to do with the many thousands who have failed to donate to the site.

good on you for donating £100 even tho you could ill afford it.

i was just really shocked at the 540 figure that BF mentioned in his post and just had to say something.

 

right, does this mean kittens are going to die??!!:shock:

 

please no.................................

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no, my anger is nowt to do with edinburgh, its to do with the many thousands who have failed to donate to the site.

 

As has already been mentioned, a good many of these people have good reasons for doing so. They may not have the means to do so (remember, lots of people have been left without a card or cheque-book after their claims), an association with this site might have adverse professional implications (especially for those working in the finance sector), or they might just not have anything left over after the bills are paid and hungry mouths fed. Many of these people have helped in other ways, purchasing products that earn a commission, helping people out on the forum and in the chat room, spreading the word, complaining to the OFT, writing to their MP, getting questions asked in Parliament, bringing the issue higher up the media agenda.

 

By making such a generalisation, you risk alienating and even annoying the very people we are supposed to help (and maybe even some of those doing the helping), and very possibly missing the entire point of CAG's existence. Zealots weighing in with a holier-than-thou attitude does not help anyone, and threatens to harm a lot of people.

 

right, does this mean kittens are going to die??!!

 

If you drop the matter completely, here and now, there will be no needles kitten-killing. Deal? :)

HSBCLloyds TSBcontractual interestNew Tax Creditscoming for you?NTL/Virgin Media

 

Never give in ... Never yield to force; never yield to the apparently overwhelming might of the enemy. Churchill, 1941

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Lets not forget what the original question was, but like katesage said "who gives a stuff". Spending many an hour on this site myself I see many of the mods and site helpers on here for hours upon end, lets not forget they have a life too, yet they're prepared to give up a lot of their time to help us get our lives back too, our financial lives that is. I can't believe that very few are prepared to make a donation to such a worthwhile cause. Selfish is all I can say!!

 

As for any threats to harm kittens, I don't want to hear anymore about it!!:mad:

 

I don't care where the money goes but I'll still be giving it, afterall a few months ago I wouldn't have been getting any of it anyway!

IF MY COMMENTS HAVE HELPED PLEASE CLICK MY SCALES

 

Don't be like the banks - give a little back

 

 

:D NAT WEST - WON - £4282.36:D

 

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Guest Scarletrose

firstly how can you call anyone on this site a zealot?? if one is then we all are guilty eg fanatical about gettin our money back and to keep this site running so others may benefit, whats wrong with being fanatical about that, if it wasnt for the fanatics surely this site wouldnt exist

 

like kate and deller said without this site no-one would get there money back without possibly getting it wrong or chickening out thus leaving them with less than half of what the're owed, or they could always consult a solicittor which would cost a small fortune,

i for one am living hand to mouth but there is no way i would forego donating to this site, i see the point that some people cant afford to of which i am one, but with the statistics kate showed that shows that the likely hood of all those who didnt donate falling into that category very slim. i for one have suspicions about certain people that may not have donated and have just used this site for personal gain, which i for one find disgraceful, and it hasnt been out of financial hardship just greed.

 

with the help and advice of its members that is how money is reclaimed and a small donation even if it is less than the 5% is something...

 

as for the kitten thing i think it totally shameful to even joke about hurting animals... here here kate and deller

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By making such a generalisation, you risk alienating and even annoying the very people we are supposed to help (and maybe even some of those doing the helping), and very possibly missing the entire point of CAG's existence. Zealots weighing in with a holier-than-thou attitude does not help anyone, and threatens to harm a lot of people.

 

 

 

If you drop the matter completely, here and now, there will be no needles kitten-killing. Deal? :)

 

NO DEAL

 

Don't call me a zealot, you don't know me, probably havn't bothered to read my posts or educate yourself to my attitude to CAG. Its only your extremist and highly insulting views that threaten to cause harm.

Now shall we leave it at that:evil:

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As has already been mentioned, a good many of these people have good reasons for doing so. They may not have the means to do so (remember, lots of people have been left without a card or cheque-book after their claims), an association with this site might have adverse professional implications (especially for those working in the finance sector), or they might just not have anything left over after the bills are paid and hungry mouths fed. Many of these people have helped in other ways, purchasing products that earn a commission, helping people out on the forum and in the chat room, spreading the word, complaining to the OFT, writing to their MP, getting questions asked in Parliament, bringing the issue higher up the media agenda.

 

By making such a generalisation, you risk alienating and even annoying the very people we are supposed to help (and maybe even some of those doing the helping), and very possibly missing the entire point of CAG's existence. Zealots weighing in with a holier-than-thou attitude does not help anyone, and threatens to harm a lot of people.

 

 

 

If you drop the matter completely, here and now, there will be no needles kitten-killing. Deal? :)

 

And also there is a lot of people who actually never see the money they reclaim it goes straight off a debt.

Consumer Health Forums - where you can discuss any health or relationship matters.

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