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    • The 3 pieces of mortar that fell on the same day, at the same time, were approx. 25-30cm long and weighed around ½-1 kilo each from a roof that is above the 2nd floor; they were by no means tiny pieces of mortar but large chunks falling from a rather great height. I believe the size and weight is enough to cause serious injury and if it falls on your head, I assume it could potentially be lethal if unlucky, but we don't wish to put that theory to test... We can't in good conscience let a contractor install a patio and a gazebo as it is in the exact spot where the mortar fell, nor do I think anyone would be willing to take the chance. Looking at the roof, there are multiple other remaining pieces from the same 'line' or 'row' of mortar that can potentially fall. The mortar is right underneath the slate tiles on the neighbour's roof and I don't know whether the tiles are also (becoming) lose due to the loss of the mortar. I was trying to upload a photo but it seems it's not allowed. The first contractor to work in our garden in preparation for the patio and gazebo is scheduled to start on 10th June, that leaves the neighbour 5 workdays to sort their roof which is unlikely, so it seems we will have to postpone our patio contractor without knowing when they can come back. We have already had extensive work done in the garden in preparation for the wedding reception and it will become very costly for us if we have to move the wedding reception to a venue (if we can even get one at this short notice) rather than have it at home which was our dream.
    • Is this sufficiant for a letter of claim  ? Letter Of Claim       Reference: Techzone Mobile Phones Samsung A71 Mobile Phone £140 Purchase date 29. 5. 24     I the claimant purchased a 2nd hand Samsung A71 mobile from Techzone Mobile Phone unit 10 of the indoor market at the Potteries shopping centre. Initially the phone worked well until I used the camera and found debris in the camera lens spoiling pictures making it not fit for purpose. I contacted the seller who offered a replacement which I initially accepted but later rejected and wanted a refund in full which the seller refused saying they Do Not give refund is unlawful and goes against the Consumer rights act 2015. Therefore I intend to issue proceedings against you in a county court without further notice unless you reimburse me the above amount in Full within 7 days from the date of this Letter     ------------------------------------------    I think its best if i hand him the letter as posting it might not get through so can claim expenses traveling up there ?   or would it be best to just post and get 'Signed for'  ?   Should i also put in the letter of claim interest added or leave that till the Particulars letter ?
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    • Which Court have you received the claim from ?  Civil National Business Centre Northampton NN1 2LH Name of the Claimant ?  PRA Group UK Portfolios LTD   How many defendant's  joint or self ?  Just my self Date of issue – top right hand corner of the claim form – this in order to establish the time line you need to adhere to.    24th May 2024   ^^^^^ NOTE : WHEN CALCULATING THE TIMELINE - PLEASE REMEMBER THAT THE DATE ON THE CLAIMFORM IS ONE IN THE COUNT [example: Issue date 01.03.2014 + 19 days (5 days for service + 14 days to acknowledge) = 19.03.2014 + 14 days to submit defence = 02.04.2014] = 33 days in total   Date of issue XX + 19 days ( 5 day for service + 14 days to acknowledge) = XX + 14 days to submit defence = XX (33 days in total)  if your defence filing date falls on a W/End, you must file by friday @4PM     Particulars of Claim   What is the claim for – the reason they have issued the claim?  The claimant claims the sum of £22,000 for an outstanding debt owed. On 30/1/18 the defendant entered into n agreement with Lloyds Bank Plc for a bank loan under the reference 10017#######. On 4/1/19 the defendant defaulted on the agreement with an outstanding balance of £22,000. On 30/11/22 the debt of £22,000 assigned to PRA Group (UK) Limited, who itself assigned the debt to PRA Group UK Portfolios Ltd on 30/12/23. Notices of assignment were sent to the defendant in accordance with S136 Law of property act 1925. The claimant has instructed PRA Group (UK) Limited to act on its behalf in the recovery of the outstanding debt and to pursue litigation on its behalf. AND the claimant claims 1. The sum of £22,000. What is the total value of the claim?  £23,500 Have you received prior notice of a claim being issued pursuant to paragraph 3 of the PAPDC (Pre Action Protocol) ?  Yes Have you changed your address since the time at which the debt referred to in the claim was allegedly incurred? No Did you inform the claimant of your change of address?  No - N/A Is the claim for - a Bank Account (Overdraft) or credit card or loan or catalogue or mobile phone account?  Bank loan When did you enter into the original agreement before or after April 2007 ?  No Do you recall how you entered into the agreement...On line /In branch/By post ?  I believe it was done online on their app Is the debt showing on your credit reference files (Experian/Equifax /Etc...) ?  Yes Has the claim been issued by the original creditor or was the account assigned and it is the Debt purchaser who has issued the claim.  Debt was with halifax, whom passed the debt to PRA Group. Were you aware the account had been assigned – did you receive a Notice of Assignment? Yes Did you receive a Default Notice from the original creditor?  I'm not completely sure at it was nearly 6 years ago, I have done a CCA request and they have sent a screenshot of their system showing it was sent. Have you been receiving statutory notices headed “Notice of Sums in Arrears”  or " Notice of Arrears "– at least once a year ?  Yes Why did you cease payments?  Couldn't afford to make payments. What was the date of your last payment?  August 2018 Was there a dispute with the original creditor that remains unresolved?  No Did you communicate any financial problems to the original creditor and make any attempt to enter into a debt management plan?  No
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POC for second hand car


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I wonder if anybody could help me with the particulars of claim for a second hand car my sister bought. This is the letter i wrote and the only response ive got is that he handed it to his solicitor?

 

On 31/01/2012 I purchased, and tookdelivery of, the above Ford Galaxy from you. On 01/02/2012 I discovered that it was not of satisfactory quality. I went on to have the following repairscarried out.

2 Stabiliser links

4 New Heater plugs

Engine flush out with new oil and filter

New exhaust and clamps

Radio Fault

The garage also found but did not repairexcessive rust contrary to the advertised ‘rust spots on wheel arch’ andwindscreen seal was unattached.

I tried to contact you numerous timesbefore having any work done. I eventually got through to you after having tohave the repairs done and having to pay myself and asked to be refunded forthese works. You later declined in atext message offering just £100 towards the £350 repair bill.

In the meantime I have taken the car foran MOT and have been told that not only was the car not fit for the purpose itwas sold for but should in fact never of been sold in the dangerous conditionit was in. I am attaching a copy of theMOT report and was also told there is no report on the emissions due to thembeing unable to carry out the emissions test for fear of engine damage whenrevving, due to the knocking and vibrating of the engine as well as it droppingto 3 cylinders.

Section 14 of the Sale of Goods Act 1979requires dealers to supply goods of satisfactory quality. However, the vehicleis clearly not roadworthy. You are therefore in breach of contract.

I am legally entitled to reject thevehicle and to be reimbursed for its full purchase price of £1275. I lookforward to receiving your cheque for this sum within 14 days. If you fail toreimburse me I shall have no alternative but to issue a claim against you inthe county court for recovery of the money, repairs carried out and any courtcosts without further reference to you.

Any advice would be much appreciated.

HSBC - 11/9/06 - prem letter sent

19/9/06 - lba sent £3391 requested

5/10/06 - MCOL

17/10/06 - offer for £1600 on one account recieved

28/11/06 - Full offer recieved

 

Capital one - 13/9/06 -letter asking for statements sent

17/10/06 - prelim sent for £640

 

Lloyds TSB - 13/9/06 -letter asking for statements sent

17/10/06 - prelim sent fro £732

Lloyds TSB - 26/9/06 - prem letter sent - £391

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You POC can really reflect what you have written in the letter in detailing the reasons why you are rejecting the car, the steps you have taken to attempt to remedy the situation with the trader, the costs of the repairs you have had carried out and the purchase price of the car.

 

You can also claim interest from the date the problems were first reported right up until the date of judgement or payment (which ever is sooner). more info here;

 

http://smallclaims.me.uk/index.html

 

I assume from you account that you didn't know the car was in such a dangerous condition when you had the repairs carried out and you only found out when the MOT was done?

 

Please Note

The advice I offer will be based on the information given by the person needing it. All my advice is based on my experiences and knowledge gained in working in the motor and passenger transport industries in various capacities. Although my advice will always be sincere, it should be used as guidence only.

 

I would always urge to seek face to face professional advice for clarification prior to taking any action.

 

Please click my reputation 'star' button at the bottom of my profile window on the left if you found my advice useful.

 

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Yes it's made me really angry to find out after the bloke knew she was driving round with 4 children too, another reason I'm determined he shouldn't get away with it

HSBC - 11/9/06 - prem letter sent

19/9/06 - lba sent £3391 requested

5/10/06 - MCOL

17/10/06 - offer for £1600 on one account recieved

28/11/06 - Full offer recieved

 

Capital one - 13/9/06 -letter asking for statements sent

17/10/06 - prelim sent for £640

 

Lloyds TSB - 13/9/06 -letter asking for statements sent

17/10/06 - prelim sent fro £732

Lloyds TSB - 26/9/06 - prem letter sent - £391

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Im a bit of a novice at all this and wonder if anybody could read through the poc i have drafted ?

 

On 31/1/2012 the Defendant agreed to sell and the Claimant agreed to buy a Ford Galaxy motor car registration number W86SNG which was offered for sale by the Defendant in his capacity as a motor dealer.

The Claimant entered into a written agreement with the Defendant dated 31/01/2012 to buy the car at the cost of £1,275. The agreement was signed at the Defendant's premises.

As Section 14 of the Sale of Goods Act 1979 requires dealers to supply goods of satisfactory quality, the claimant presumed this was the case. However, the vehicle was clearly not roadworthy and as such the defendant is clearly in breach of the contract.

On 01/02/2012 the claimant discovered that it was not of satisfactory quality and after failing to be able to contact the defendant went on to have the following repairs carried out at the cost of £350.

2 Stabiliser links

4 New Heater plugs

Engine flush out with new oil and filter

New exhaust and clamps

Radio Fault

The garage also found but did not repair excessive rust contrary to the advertised ‘rust spots on wheel arch’ and windscreen seal was unattached.

The claimant managed to get in touch with the defendant and requested a reimbursement and received a text message on 28/2/2012 offering £100 towards the costs.

On 347230948 the claimant took the car for an MOT and was told that not only was the car not fit for the purpose it was sold for but should in fact never of been sold in the dangerous condition it was in. I am attaching a copy of the MOT report and was also told there is no report on the emissions due to them being unable to carry out the emissions test for fear of engine damage when revving, due to the knocking and vibrating of the engine as well as it dropping to 3 cylinders.

On 19/4/2012 the claimant wrote to the defendant requesting a full refund under Section 14 of the Sale of Goods Act 1979. On 2323 The defendant replied saying that it was in the hands of his solicitors. That was the last contact.

THE CLAIMANT CLAIMS

1. The price of £1,275.

2. Costs of repairs totalling £350

3. The claimant claims interest under section 69 of the County Courts Act 1984 atthe rate of 8% a year, from 31/1/2012 to 3/5/2012 of £25.99 and also interestat the same rate up to the date of judgment or earlier payment at a daily rateof £0.28.

4. Costs.

Statement of Truth

I believe that the facts stated in these Particulars of Claim are true.

Dated this 26th day of April 20....

To the court and

to the Defendant

HSBC - 11/9/06 - prem letter sent

19/9/06 - lba sent £3391 requested

5/10/06 - MCOL

17/10/06 - offer for £1600 on one account recieved

28/11/06 - Full offer recieved

 

Capital one - 13/9/06 -letter asking for statements sent

17/10/06 - prelim sent for £640

 

Lloyds TSB - 13/9/06 -letter asking for statements sent

17/10/06 - prelim sent fro £732

Lloyds TSB - 26/9/06 - prem letter sent - £391

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Seems ok to me. You must understand though that despite you having a good case, the court process may not be straight forward. Please keep us posted so we can advise you through it accordingly.

 

Please Note

 

The advice I offer will be based on the information given by the person needing it. All my advice is based on my experiences and knowledge gained in working in the motor and passenger transport industries in various capacities. Although my advice will always be sincere, it should be used as guidence only.

 

I would always urge to seek face to face professional advice for clarification prior to taking any action.

 

Please click my reputation 'star' button at the bottom of my profile window on the left if you found my advice useful.

 

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That would be brilliant I presume I don't send all the mot ect paperwork at this point?

HSBC - 11/9/06 - prem letter sent

19/9/06 - lba sent £3391 requested

5/10/06 - MCOL

17/10/06 - offer for £1600 on one account recieved

28/11/06 - Full offer recieved

 

Capital one - 13/9/06 -letter asking for statements sent

17/10/06 - prelim sent for £640

 

Lloyds TSB - 13/9/06 -letter asking for statements sent

17/10/06 - prelim sent fro £732

Lloyds TSB - 26/9/06 - prem letter sent - £391

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That would be brilliant I presume I don't send all the mot ect paperwork at this point?

 

No, not until the case has been allocated to your local County Court.

 

Please Note

 

The advice I offer will be based on the information given by the person needing it. All my advice is based on my experiences and knowledge gained in working in the motor and passenger transport industries in various capacities. Although my advice will always be sincere, it should be used as guidence only.

 

I would always urge to seek face to face professional advice for clarification prior to taking any action.

 

Please click my reputation 'star' button at the bottom of my profile window on the left if you found my advice useful.

 

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Thank you I'll keep you updated

HSBC - 11/9/06 - prem letter sent

19/9/06 - lba sent £3391 requested

5/10/06 - MCOL

17/10/06 - offer for £1600 on one account recieved

28/11/06 - Full offer recieved

 

Capital one - 13/9/06 -letter asking for statements sent

17/10/06 - prelim sent for £640

 

Lloyds TSB - 13/9/06 -letter asking for statements sent

17/10/06 - prelim sent fro £732

Lloyds TSB - 26/9/06 - prem letter sent - £391

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Thank you appreciated lol x

HSBC - 11/9/06 - prem letter sent

19/9/06 - lba sent £3391 requested

5/10/06 - MCOL

17/10/06 - offer for £1600 on one account recieved

28/11/06 - Full offer recieved

 

Capital one - 13/9/06 -letter asking for statements sent

17/10/06 - prelim sent for £640

 

Lloyds TSB - 13/9/06 -letter asking for statements sent

17/10/06 - prelim sent fro £732

Lloyds TSB - 26/9/06 - prem letter sent - £391

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Can anyone help i am trying to do this online but its saying exceeds number of lines?

HSBC - 11/9/06 - prem letter sent

19/9/06 - lba sent £3391 requested

5/10/06 - MCOL

17/10/06 - offer for £1600 on one account recieved

28/11/06 - Full offer recieved

 

Capital one - 13/9/06 -letter asking for statements sent

17/10/06 - prelim sent for £640

 

Lloyds TSB - 13/9/06 -letter asking for statements sent

17/10/06 - prelim sent fro £732

Lloyds TSB - 26/9/06 - prem letter sent - £391

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  • 1 month later...

Hi all the garage never responded to my claim so monday I requested judgement. It now says judgement issued and I have the option to Request warrant . Does this mean I've won by default and how long do u normally wait before requesting a warrant?

HSBC - 11/9/06 - prem letter sent

19/9/06 - lba sent £3391 requested

5/10/06 - MCOL

17/10/06 - offer for £1600 on one account recieved

28/11/06 - Full offer recieved

 

Capital one - 13/9/06 -letter asking for statements sent

17/10/06 - prelim sent for £640

 

Lloyds TSB - 13/9/06 -letter asking for statements sent

17/10/06 - prelim sent fro £732

Lloyds TSB - 26/9/06 - prem letter sent - £391

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Once judgement has been entered you can issue a warrant which will incur a fee (recoverable). I would first apply to have examination of means hearing (previously known as an oral examination). The debtor has to attend this (although he gets 3 chances) and you can scrutinise his financial situation to establish his ability to pay. See the link below;

 

http://www.doyourselfjustice.co.uk/enforcing.asp

 

Please Note

The advice I offer will be based on the information given by the person needing it. All my advice is based on my experiences and knowledge gained in working in the motor and passenger transport industries in various capacities. Although my advice will always be sincere, it should be used as guidence only.

 

I would always urge to seek face to face professional advice for clarification prior to taking any action.

 

Please click my reputation 'star' button at the bottom of my profile window on the left if you found my advice useful.

 

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So sorry for being thick but have I won my case now?

HSBC - 11/9/06 - prem letter sent

19/9/06 - lba sent £3391 requested

5/10/06 - MCOL

17/10/06 - offer for £1600 on one account recieved

28/11/06 - Full offer recieved

 

Capital one - 13/9/06 -letter asking for statements sent

17/10/06 - prelim sent for £640

 

Lloyds TSB - 13/9/06 -letter asking for statements sent

17/10/06 - prelim sent fro £732

Lloyds TSB - 26/9/06 - prem letter sent - £391

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Yes the case is wn by you.

 

But that IS NOT the same as getting paid I'm afraid.

 

You can send bailifs in (costs you) buut if they can find nothing of value that he owns then there's nothing you can do.

 

Te oral examination referred to above might help, but if he just claims to be penniless, what can yuo do?

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its a garage and when we went to pick the car up there were plenty of other cars there? would that not be the sort of thing the bailiff can take? also i know now i can do this straight away as i have requested immediate payment but is there a 'Courteous' time to give him to just pay himself? also i obviously still have the car do i need to arrange returning it? sorry for all the clueless questions ;/

HSBC - 11/9/06 - prem letter sent

19/9/06 - lba sent £3391 requested

5/10/06 - MCOL

17/10/06 - offer for £1600 on one account recieved

28/11/06 - Full offer recieved

 

Capital one - 13/9/06 -letter asking for statements sent

17/10/06 - prelim sent for £640

 

Lloyds TSB - 13/9/06 -letter asking for statements sent

17/10/06 - prelim sent fro £732

Lloyds TSB - 26/9/06 - prem letter sent - £391

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Share on other sites

He will just say the cars are not his and belong to someone else under a 'sale or return' basis - sorry!

 

No you don't take the car back as he won't be fixing it by the sound of things.

 

You can try the bailliff route, it MIGHT work, it might not... I hope so!

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so how long should i give him before i apply to have examination of means hearing?

HSBC - 11/9/06 - prem letter sent

19/9/06 - lba sent £3391 requested

5/10/06 - MCOL

17/10/06 - offer for £1600 on one account recieved

28/11/06 - Full offer recieved

 

Capital one - 13/9/06 -letter asking for statements sent

17/10/06 - prelim sent for £640

 

Lloyds TSB - 13/9/06 -letter asking for statements sent

17/10/06 - prelim sent fro £732

Lloyds TSB - 26/9/06 - prem letter sent - £391

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Share on other sites

You can apply now. It is done under oath and the debtor has to provide evidence/proof so it's not as simple for the debtor as Bob suggests.

 

Please Note

The advice I offer will be based on the information given by the person needing it. All my advice is based on my experiences and knowledge gained in working in the motor and passenger transport industries in various capacities. Although my advice will always be sincere, it should be used as guidence only.

 

I would always urge to seek face to face professional advice for clarification prior to taking any action.

 

Please click my reputation 'star' button at the bottom of my profile window on the left if you found my advice useful.

 

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Thank you everyone for your help im sure ill be picking ur brains again very soon :/

HSBC - 11/9/06 - prem letter sent

19/9/06 - lba sent £3391 requested

5/10/06 - MCOL

17/10/06 - offer for £1600 on one account recieved

28/11/06 - Full offer recieved

 

Capital one - 13/9/06 -letter asking for statements sent

17/10/06 - prelim sent for £640

 

Lloyds TSB - 13/9/06 -letter asking for statements sent

17/10/06 - prelim sent fro £732

Lloyds TSB - 26/9/06 - prem letter sent - £391

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Share on other sites

He will just say the cars are not his and belong to someone else under a 'sale or return' basis - sorry!

 

 

He 'could' say that, not 'will' and if he does, then he has to show that to be true.

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He 'could' say that, not 'will' and if he does, then he has to show that to be true.

 

1. Possibly

2. I'm off to work so no time to check, but I don't think he has to prove anything.

 

3. But like I said i'm off to work so happy to be wrong, especially for this OP who has bought a right old shed of a car from some wide boy.

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[/color]1. Possibly

2. I'm off to work so no time to check, but I don't think he has to prove anything.

 

3. But like I said i'm off to work so happy to be wrong, especially for this OP who has bought a right old shed of a car from some wide boy.

 

It's a formal hearing Bob and the debtor has to back up his answers with evidence. You don't think that courts just take people's word for it do you?

 

Please Note

 

The advice I offer will be based on the information given by the person needing it. All my advice is based on my experiences and knowledge gained in working in the motor and passenger transport industries in various capacities. Although my advice will always be sincere, it should be used as guidence only.

 

I would always urge to seek face to face professional advice for clarification prior to taking any action.

 

Please click my reputation 'star' button at the bottom of my profile window on the left if you found my advice useful.

 

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I myself received judgment against, bailiffs sent in but received nothing. Would only take the matter further if I payed more money with no garantee of receiving anything. Good luck.

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Further to toll9 and sam.

 

I can only speak from experience.

 

Hve taken 5 non pyers to court for about £150 each over the years. I won every case by default. In fairness I never really expected to get paid and sent the bailiffs in.To which the response was 'not my MY TV its rented, not my settee, my mum lent us it, etc'.

 

I only took them to court so they got a CCJ and would find it hard to get credit, for £35 + a bit of bailliffs fees it ws worth it.

 

So by just sending the bailliffs in the debtor had to prove nothing.

 

And i can't see what would prevent a debtor lying at a hearing, i don't tihnk anything needs to be proved, just a statement of assets / income etc.

 

Which is a real pity for the OP if this does happen, the motor trade has a bad enough reputation as it is (justifiably in many cases) an idot like this dealer only make things worse.

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