Jump to content


  • Tweets

  • Posts

    • That is a superb WS. However, I have a few tweaks to suggest. In (2) "indicating" not "indication". I think to be consistent with your numbering, in (6) the Beavis case should be EXHIBIT 2. Do you really need to include over 100 pages of Beavis?  I think that would be likely to annoy the judge.  Just try and find the bit where they decide it was not a penalty due to having an interest in limiting the time that vehicles can stay. I'll have a look myself for this bit later as it's highly likely to be in WSs from PPCs who think that that paragraph means all their charges are valid always on every occasion. After your current (7) add this.  It's always useful to refer to a judgment when making a legal point - 8.  In the case PCM vs Bull, Claim No. B4GF26K6, where the Defendant was issued parking tickets for parking on private roads with signage stating “No parking at any time”, District Judge Glen in his final statement mentioned that: “the notice was prohibitive and didn’t communicate any offer of parking and that landowners may have claim in trespass, but that was not under consideration”.   In (14) if my maths are right the CPR request should be "EXHIBIT 3".  it is missing from your list of exhibits. In (16) the two figures should be £100 and £170.  They are entitled to increase fro,m £60 to £100, they are not entitled to increase to £170.  To make it clear for the judge I would write - 16. The Claimant has artificially inflated their claim for a £100 invoice to £170. This is simply a poor attempt to circumvent the legal costs cap at small claims. 17. The Claimant has also invented a second fictitious charge, for legal representative's costs, when they have no legal representative. You also need ot number your exhibits. The rest is excellent - well done.
    • Did you ever think of walking away? Become bankrupt and in 12 months it'll all be behind you. My feeling is that you may well get nothing from the sale of the property anyway. Going by the date this thread started it looks like eight years of arrears, lender's costs and receiver’s fees on top.
    • Just to clarify - I make use of evening legal clinics. It is not always possible to see a lawyer (they have limited time and days/week).  This means questions one has may never get answered or there's weeks between follow-ups.   To be really clear - I am representing myself; I am playing at being lawyer/ barrister - which means I take help wherever I can get it (and then research it thoroughly). Ae - a judge in a recent hearing pointed out the receiver is not part of my current proceedings - and suggested I have a separate claim v the receiver. Disclosure has presented damning evidence v the receiver  The receiver against whom I have a complaint is not part of the receiver governing body.   The receivership is in 2 names - a joint one.  My complaint is directed at whom I was told is the lead receiver.  The other named receiver IS a member of the governing body.  But he has now left the company.  And the lead receiver has retired - but is still a working consultant on my case.   All the evidence shows it was the 'lead' receiver who was doing all the  work/ the misbehaviour.   But if the appointment was 'joint' would I make a complaint against them both?    I am sure that wouldn't go down well with the other receiver who is at the beginning of his career. The law is very much against borrowers.   But the evidence against this receivership is crystal clear.   I just don't know how and to whom to complain.   The places I've tried so far don't offer much transparency       
    • Ok, noted, thanks again. I'll share details of every communication received just to make sure.
    • Yes. I sent back the PAP form stating they hadnt supplied the correct paperwork and that pdf is what they sent back
  • 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

style="text-align: center;">  

Thread Locked

because no one has posted on it for the last 4321 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

A friend did a lump sum full and final settlement IVA in 2006 through PKF.

 

Since then, a CCJ has been lodged by one of the creditors, and others are still chasing debt and telling him that the debt is live and still owed.

 

What are his rights in respect of this? Surely this isn't correct or legal?

 

Thank you

Link to post
Share on other sites

Hi,

 

In relation to the Full and Final settlement that your friend did with the Companies, did your friend get the full and final settlement in writing before making the payment? And did your friend get the Company to place the wording that the debt would be written off and would not be sold on to any third party?

 

As to the CCJ, did your friend know about the CCJ? If so did they defend the CCJ?

 

Stigman

NEVER telephone a DCA

If a DCA rings you, refuse to go through the security questions & hang up!

 

If I have helped you, click on the star & say thank you

Link to post
Share on other sites

the Full and final settlement was made in writing prior to payment

 

If your friend still has the copy of the letter of acceptance from PKF, send a copy (copy only) to whoever is chasing for any money.

 

 

and no, he knew nothing of the CCJ until it had been lodged

 

If he knew nothing of the CCJ, it was awarded by default and can be set-aside.

Your friend needs to either go to their local court office and/or download form N244 from here...

http://hmctscourtfinder.justice.gov.uk/HMCTS/GetForm.do?court_forms_id=484

 

Their is a fee involved, but if on certain benefits then your friend can complete form EX160A to have the Court fee's waived.

 

Also, get your friend to check their Credit Records, Noodle is free for life but the smallest of the 3 main agencies, Equifax and Experian are the two biggest, both offer free 30 day trials but please remember to cancel within the 30 days or your debt/credit card will be charged.

 

Stigman

NEVER telephone a DCA

If a DCA rings you, refuse to go through the security questions & hang up!

 

If I have helped you, click on the star & say thank you

Link to post
Share on other sites

  • 1 month later...

Hi Recourse,

 

Unlike an informal Full and Final settlement, a Full and Final IVA has the same legally binding aspects as a normal contribution style IVA, but it just completes after 1 payment rather than after 5 or so years.

 

This means that he is legally debt free. Any debts that were included in the original IVA have been legally settled, with any unpaid element being legally written off by the IVA.

 

What's more, once the IVA had been agreed, the creditors lost their right to take any further legal action against him for the recovery of those debts. This means that any CCJs that were issued against him were done so in error and should be removed from his credit history.

 

All your friend needs to do is a contact the 3 main Credit Reference Agencies, send photocopies of his IVA completion certificate issued by his IP, to each of them so they can update their records. He should have done this when he received the certificate after his IVA finished, but it won't harm him if he does it now anyway.

 

He should also send copies of his completion certificate to any creditor claiming that the debt is still alive.

 

Once they receive notification of his completed IVA they will have to accept the debt no longer exists.

 

He needs to ensure that the IVA is the last notice on his credit history regarding those debts and ensure too that no CCJs are recorded after the IVA start date, as this would constitute a breach of the terms of his IVA by that creditor.

Link to post
Share on other sites

  • Recently Browsing   0 Caggers

    • No registered users viewing this page.

  • Have we helped you ...?


×
×
  • Create New...