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    • Well we can't predict what the judge will believe. PE will say that they responded in the deadline and you will say they don't. Nobody can tell what a random DJ will decide. However if you go for an OOC settlement you should still be able to get some money
    • What do you guys think the chances are for her?   She followed the law, they didnt, then they engage in deception, would the judge take kindly to being lied to by these clowns? If we have a case then we should proceed and not allow these blatant dishonest cheaters to succeed 
    • I have looked at the car park and it is quite clearly marked that it is  pay to park  and advising that there are cameras installed so kind of difficult to dispute that. On the other hand it doesn't appear to state at the entrance what the charge is for breaching their rules. However they do have a load of writing in the two notices under the entrance sign which it would help if you could photograph legible copies of them. Also legible photos of the signs inside the car park as well as legible photos of the payment signs. I say legible because the wording of their signs is very important as to whether they have formed a contract with motorists. For example the entrance sign itself doe not offer a contract because it states the T&Cs are inside the car park. But the the two signs below may change that situation which is why we would like to see them. I have looked at their Notice to Keeper which is pretty close to what it should say apart from one item. Under the Protection of Freedoms Act 2012 Schedule 4 Section 9 [2]a] the PCN should specify the period of parking. It doesn't. It does show the ANPR times but that includes driving from the entrance to the parking spot and then from the parking place to the exit. I know that this is a small car park but the Act is quite clear that the parking period must be specified. That failure means that the keeper is no longer responsible for the charge, only the driver is now liable to pay. Should this ever go to Court , Judges do not accept that the driver and the keeper are the same person so ECP will have their work cut out deciding who was driving. As long as they do not know, it will be difficult for them to win in Court which is one reason why we advise not to appeal since the appeal can lead to them finding out at times that the driver  and the keeper were the same person. You will get loads of threats from ECP and their sixth rate debt collectors and solicitors. They will also keep quoting ever higher amounts owed. Do not worry, the maximum. they can charge is the amount on the sign. Anything over that is unlawful. You can safely ignore the drivel from the Drips but come back to us should you receive a Letter of Claim. That will be the Snotty letter time.
    • please stop using @username - sends unnecessary alerts to people. everyone that's posted on your thread inc you gets an automatic email alert when someone else posts.  
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andrew hart/paydayoverdraft claimform - Payday Loan Problem


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There's usually a few under each owner. One guy has 9 registered to him, but through various sub companies and different bank accounts.

Any advice i give is my own and is based solely on personal experience. If in any doubt about a situation , please contact a certified legal representative or debt counsellor..

 

 

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Another twist in the story:

 

Got a letter frrom the court this morning saying that the claim had been "struck out in error" and the case was still going to be heard on original date (2 weeks away).

 

Argggggggggggggggggggggghhhh.

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Not back to square 1 yet. Contact the court and tell them as sillygirl suggested. IF they are adamant, then you could get it scheduled for another day.

Any advice i give is my own and is based solely on personal experience. If in any doubt about a situation , please contact a certified legal representative or debt counsellor..

 

 

If my advice helps you, click the star icon at the bottom of my post and feel free to say thanks

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Let the court know that you are not available, after all they are the ones messing about, you must state on the phone to them that you are not available and need more time to reorganise your defence and due to the original strike out you need a different court date.

 

This is putting a lot of unnecessary pressure on you and again you need to get this info to the OFT asap.

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I've already submitted everything to the OFT but i will write a follow-up on Monday. I know i'll be ok but cant bare all the back and forth! I thought it was a bit too good to be true.

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You could always claim damages if you win after all this messing around.

Any advice i give is my own and is based solely on personal experience. If in any doubt about a situation , please contact a certified legal representative or debt counsellor..

 

 

If my advice helps you, click the star icon at the bottom of my post and feel free to say thanks

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Will remove the previous amendment to your thread title.

 

Do you have the first General Order Letter advising that the claim had been struck out. What exactly does this recent letter say. You usually get the option to object within a period of time.

 

This seems very unfair, if you had thought you did not need to prepare for court and now you do.

Have we helped you ...?         Please Donate button to the Consumer Action Group

Uploading documents to CAG ** Instructions **

Looking for a draft letter? Use the CAG Library

Dealing with Customer Service Departments? - read the CAG Guide first

1: Making a PPI claim ? - Q & A's and spreadsheets for single premium policy - HERE

2: Take back control of your finances - Debt Diaries

3: Feel Bullied by Creditors or Debt Collectors? Read Here

4: Staying Calm About Debt  Read Here

5: Forum rules - These have been updated - Please Read

BCOBS

1: How can BCOBS protect you from your Banks unfair treatment

2: Does your Bank play fair - You can force your Bank to play Fair with you

3: Banking Conduct of Business Regulations - The Hidden Rules

4: BCOBS and Unfair Treatment - Common Examples of Banks Behaving Badly

5: Fair Treatment for Credit Card Holders and Borrowers - COBS

Advice & opinions given by citizenb are personal, are not endorsed by Consumer Action Group or Bank Action Group, and are offered informally, without prejudice & without liability. Your decisions and actions are your own, and should you be in any doubt, you are advised to seek the opinion of a qualified professional.

PLEASE DO NOT ASK ME TO GIVE ADVICE BY PM - IF YOU PROVIDE A LINK TO YOUR THREAD THEN I WILL BE HAPPY TO OFFER ADVICE THERE:D

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It says "The above mentioned claim was struck out in error, therefore the hearing on X X will take place as per order dated 20thFeb 2012. A hearing fee of 165 is payable by 3rd of May from Claimant, please see amended order@

 

I think i will call the court on Monday and see what the situation is. The thing is, I think that they would probably let me reschedule because of the error. Buut i don't know if i want this hanging over my head any longer. I would rather just get it finalised on the date in a couple of weeks. I just don't understand how a case can accidently be struck out!!!!

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I dont see how it can be accidentally struck out either, TBH..

 

It would appear that it depends upon the Claimant paying the £165.00 so you will need to check with the court that this has been done. Although it would appear you arent able to rely on the accuracy of any statement coming from this court !!

Have we helped you ...?         Please Donate button to the Consumer Action Group

Uploading documents to CAG ** Instructions **

Looking for a draft letter? Use the CAG Library

Dealing with Customer Service Departments? - read the CAG Guide first

1: Making a PPI claim ? - Q & A's and spreadsheets for single premium policy - HERE

2: Take back control of your finances - Debt Diaries

3: Feel Bullied by Creditors or Debt Collectors? Read Here

4: Staying Calm About Debt  Read Here

5: Forum rules - These have been updated - Please Read

BCOBS

1: How can BCOBS protect you from your Banks unfair treatment

2: Does your Bank play fair - You can force your Bank to play Fair with you

3: Banking Conduct of Business Regulations - The Hidden Rules

4: BCOBS and Unfair Treatment - Common Examples of Banks Behaving Badly

5: Fair Treatment for Credit Card Holders and Borrowers - COBS

Advice & opinions given by citizenb are personal, are not endorsed by Consumer Action Group or Bank Action Group, and are offered informally, without prejudice & without liability. Your decisions and actions are your own, and should you be in any doubt, you are advised to seek the opinion of a qualified professional.

PLEASE DO NOT ASK ME TO GIVE ADVICE BY PM - IF YOU PROVIDE A LINK TO YOUR THREAD THEN I WILL BE HAPPY TO OFFER ADVICE THERE:D

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He will pay it - if it's got this far, why wouldn't he! I don't really know why he thinks he's got such a strong case; I've repaid over 3 times the amount borrowed, he's claiming a further 10 x the loan amount on the basis that i haven't paid anything at all!

 

Can anyone help me with how i would claim for costs if the judgment is against him? I'm sick of all this unecessary stress, having to rearrange my work schedule to accommodate the court date (twice), having to spend my evenings trawling through the endless mindless twoddle this cretin (IMO) sends me.

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An example of wasted costs in the link below.. post # 88

 

http://www.consumeractiongroup.co.uk/forum/showthread.php?313730-Nelson-Guest-Wescot-County-Court-Claim-***discontinued-with-wasted-costs-***&p=3580123&viewfull=1#post3580123

 

An LiP's time is now costed at £18.00 per hour.

 

You can claim for paper/ink/photocopying/postage/travel/research

Have we helped you ...?         Please Donate button to the Consumer Action Group

Uploading documents to CAG ** Instructions **

Looking for a draft letter? Use the CAG Library

Dealing with Customer Service Departments? - read the CAG Guide first

1: Making a PPI claim ? - Q & A's and spreadsheets for single premium policy - HERE

2: Take back control of your finances - Debt Diaries

3: Feel Bullied by Creditors or Debt Collectors? Read Here

4: Staying Calm About Debt  Read Here

5: Forum rules - These have been updated - Please Read

BCOBS

1: How can BCOBS protect you from your Banks unfair treatment

2: Does your Bank play fair - You can force your Bank to play Fair with you

3: Banking Conduct of Business Regulations - The Hidden Rules

4: BCOBS and Unfair Treatment - Common Examples of Banks Behaving Badly

5: Fair Treatment for Credit Card Holders and Borrowers - COBS

Advice & opinions given by citizenb are personal, are not endorsed by Consumer Action Group or Bank Action Group, and are offered informally, without prejudice & without liability. Your decisions and actions are your own, and should you be in any doubt, you are advised to seek the opinion of a qualified professional.

PLEASE DO NOT ASK ME TO GIVE ADVICE BY PM - IF YOU PROVIDE A LINK TO YOUR THREAD THEN I WILL BE HAPPY TO OFFER ADVICE THERE:D

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I spoke to the Court this morning. It was struck out in error because an admin person "put it on the wrong list". If i want to change the date, i have to make an application to the judge. She said it would be "unlikely" that the date would be changed. To be honest, i think it is just easier to proceed with the original date.

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Also, for my peace of mind, i wondered if anyone could help me: if the absolute worst happened and the judge ordered that i have to pay him 2.5k, how would that work? Would the court asses my income/expenditure to reach a repayment plan? Or do they just order that it needs to be paid?

 

I have no assets, and am in a DMP. I'm just concerned that if the very worst happens and the judge orders against me, i won't be able to continue that DMP with my other creditors and that would mean bankruptcy.

 

He seems to think that he can force bankruptcy and charge me 750 for the pleasure and still somehow get his money back. This is surely not possible if i have no assets, no savings, or anything?!

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Submit a simple defense and provide the Jude with your income and expenditure plan. Also let them know you are in a dmp. The judge won't order more than you can afford. If you fant afford it or there's a risk of bankruptcy, they may even wipe charges off, or say to pay a pound a month.

 

Ignore what the pdl guy says. The judge works within the law and takes your info into consideration. When you go to court, make sure you tell him what the pdl guy has been saying. If you have it in writing, that's even better.

Any advice i give is my own and is based solely on personal experience. If in any doubt about a situation , please contact a certified legal representative or debt counsellor..

 

 

If my advice helps you, click the star icon at the bottom of my post and feel free to say thanks

:D

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I have all of his strange emails, including several sent after the court proceedings where he tries to come to a private arrangment with me (is this abuse of process?) . I have all my bank statements showing the payments made. I have the email from Twitter when the weirdo tried to follow me.

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You really need to let a judge see it and inform the oft.

Any advice i give is my own and is based solely on personal experience. If in any doubt about a situation , please contact a certified legal representative or debt counsellor..

 

 

If my advice helps you, click the star icon at the bottom of my post and feel free to say thanks

:D

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If in doubt submit everything. That way there's no comeback on you. Also remember you get your chance to tell a judge what's happened, so you can be sure he gets to see the paper trail.

Any advice i give is my own and is based solely on personal experience. If in any doubt about a situation , please contact a certified legal representative or debt counsellor..

 

 

If my advice helps you, click the star icon at the bottom of my post and feel free to say thanks

:D

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Hi guys. I have to submit all my disclosure stuff by Friday. Does anyone see any merit in my including copies of the original posts from people with the same issue with this company? There seem to be around 6 or 7 now. I thought it might just show that this is his modus operandi.

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He is trying to scare you into believeing his debt is priority because HE started the bankruptcy issue, in fact his alleged debt is the least of your debt worries.

 

I would definately include the other threads on him as evidence that he uses the court for 'unjustified financial gain'.

 

Of course he may NOT pay the claimants fee to the court on time and then try to trick you into believing the case is still valid, if that happens then you need to get some serious weight behind a counter claim.

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I think that one problem with Hart is the horrible agreement he has forced you into - as I remember from previous cases, this is not your normal Payday loan agreement and he could use this against you depending on the judge! The complaints and harassment definitely go against him though

 

Do you have someone to go to court with you?

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