Jump to content


  • Tweets

  • Posts

    • OK, all done as requested. Defence left blank for now. Just one small question in relation to the CPR31:14.... Please treat this letter as my request made under CPR 31.14 for the disclosure and the production of a verified and legible copy of [each of the following / the] document(s) mentioned in your Particulars of Claim: and it says * delete if not mentioned in the Particulars of claim. I'm not  sure if I ask for everything or nothing as I can't see any of the list mentioned in the POCs
    • Fund management firm Allan Gray also said giving Nationwide's members a vote on the £2.9 billion buyout would have been 'a much better path'.View the full article
    • A Swiss pressure group says some staff at Shein suppliers are still working excessive overtime.View the full article
    • Let me start by saying I feel tremendous regret, shame and remorse. I have some debt and personal life has fallen apart over the last year which has caused me to be careless. Doesn’t make it okay I know. In a positive way, i will never take anything in life for granted ever again. I want to volunteer and go back to being a good person. I need some advice/reassurance on the below so I can move on better from this experience. A few days ago I was caught at sainsburys, I paid for part of the food (about £5) and didn’t pay for the other (about £8-10) at self checkout. when I got to the exit someone in plain clothes asked to see my receipt and bag and that they worked for mitie. I told him the receipt was in the store bin (true) and he said he followed me round and knows I didn’t pay for all of it. he very sternly but calmly said he just needs my name then I can leave with the shopping. I said i am in a bad day and can’t do this and was on the verge of breaking down. So I handed him the shopping and slowly walked out. No name given (I read elsewhere this is good and makes it unlikely to develop) and I have no way knowing if police contacted. I overthink a lot and I wonder if they can track me via debit card or nectar card on the transaction. I also wonder if they saw me do it last month and have been waiting for me. I know someone who works at their head office and terrified somehow it will get back. I’m also terrified of being recognised in the street.    I don’t know what’s going to happen. I see a lot in the news today about shoplifting 
    • Hi, I’ve just spotted an Arrangement to Pay marker (TransUnion) on my Barclays Mortgage account for 1 month in March 2022. I’ve spoken to Barclays Customer Service and Complaints about this and they’ve given me some background but have closed my complaint: Direct Debit for mortgage bounced in February and I didn’t notice this at the time. Realised there were arrears in March and called customer service straight away. Offered to pay half the arrears on the call with the other half of the arrears the following month. I prob suggested or accepted this as had done that many years previously when I was a poor student with no adverse consequences. Paid in accordance with this. Barclays call notes report they informed me credit reference agencies would be notified and I indicated I understood. However, complaints team couldn’t access the call because it was too old. They advised I could request a transcript through GDPR and complain via ombudsman if still unhappy - I’ll process the GDPR request this week. Whilst it may be factual that I entered into some kind of arrangement regarding the arrears, it wasn’t clear to me that they would be treating it and reporting it as a formal payment plan along with the potential consequences of this. At no point did I agree to or request to “reducing my contractual payments” - I paid my contractual amount for March and April with 50% more on top. I guess it’s likely they did say something vague about credit reference agencies and it’s also possible that I may have agreed without fully understanding it would be different to a late payment marker. I’m not 100% sure of the impact of the AP but I believe it did tighten up balance transfer and new card offers (Lloyds group in particular) even though the rest of my report is spotless and I have many years managing multiple high balance cards. Although it may have been less comfortable, I also believe I had the means to pay the balance in full if I’d realised the impact at the time. Finally, it feels like Ive been penalised for speaking to customer services directly rather than just upping my payments to cover the arrears. Historically, I was under the impression that Barclays mortgages weren’t even reporting arrears of less than 2-3 months as late payments - although this may have changed since the last time I was in arrears. I’ve had a browse through threads about AP markers and it seems like removal is unlikely if it’s deemed factual but it may be worthwhile escalating to FOS or ICO? Will update with transcript details once I’ve raised and received a response to my request. I suppose the upside of this is that I’ll be even more cautious about negative markers in the future. Thanks, J
  • 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

Robinson Way Ltd - Summons Received credit card with Sainsburys


style="text-align: center;">  

Thread Locked

because no one has posted on it for the last 4182 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

Set it a side on the grounds of not being notified or allowed to object...perhaps write out or post the details of the Order (less any identifiable data).....the devil is in the detail.

 

Regards

 

Andy

We could do with some help from you.

PLEASE HELP US TO KEEP THIS SITE RUNNING EVERY POUND DONATED WILL HELP US TO KEEP HELPING OTHER

 

Have we helped you ...?         Please Donate button to the Consumer Action Group - The National Consumer Service

If you want advice on your Topic please PM me a link to your thread

Link to post
Share on other sites

thanks, ill try and post the order.

 

but I dont see how a court to which a case has been transferred

 

can make a judgment (ccj) without a hearing,

 

especially one in favour of the claimant when they havent responded to any of my post proceeding correspondence

including the original court's suggestion for mediation.

 

any futher help would be most welcome.

Link to post
Share on other sites

Courts can make judgment without hearing...of their own initiative... hence I need to see the wording of the order.The only legal requirement is to transfer out of Northampton the judgment can then be made under CPR 3:-

 

http://www.justice.gov.uk/courts/procedure-rules/civil/rules/part03#IDAMLWKC

We could do with some help from you.

PLEASE HELP US TO KEEP THIS SITE RUNNING EVERY POUND DONATED WILL HELP US TO KEEP HELPING OTHER

 

Have we helped you ...?         Please Donate button to the Consumer Action Group - The National Consumer Service

If you want advice on your Topic please PM me a link to your thread

Link to post
Share on other sites

received 2nd class post today...

 

order dated 21 november 2012

Before District Judge..

.....

uon reading the court file

and upon it appearing to the court that the claim is adequately pleaded for the defendant to understand

and he not denying the debt assigned to the claimant or that valid notice of assignment has been given

and the defence not disclosing any reasonable grounds for defending the claim

 

IT IS ORDERED without a hearing and to the court's initiative that

 

1. The defence is struck out pursuant to rule 3.2 94) of the civil procedure rules 1998.

 

2. judgment is entered for the claimant for ................

 

3. As this order is made without notice ot the parties a party affected by it may apply

within 7 days of service of it for the order to be varied or discharged.

 

dated 15th November 2012.

 

thank you for your help.

Link to post
Share on other sites

also...

letter of 8th November

to all parties

a defence has been filed. if the defendant is an individual the claim has been transferred to the court covering the area where the defendant lives....the case will be referred to a DJ and you will receive directions regarding allocation in approximately 10 working days........

Link to post
Share on other sites

received 2nd class post today...order dated 21 november 2012

Before District Judge.......

uon reading the court file

and upon it appearing to the court that the claim is adequately pleaded for the defendant to understand and he not denying the debt assigned to the claimant or that valid notice of assignment has been given

and the defence not disclosing any reasonable grounds for defending the claim

IT IS ORDERED without a hearing and to the court's initiative that

1. The defence is struck out pursuant to rule 3.2 94) of the civil procedure rules 1998.

2. judgment is entered for the claimant for ................

3. As this order is made without notice ot the parties a party affected by it may apply within 7 days of service of it for the order to be varied or discharged.

dated 15th November 2012.

 

thank you for your help.

 

There is recourse but I see little point if the Court deem your defence insufficient...was this Order from your local CC and not Northampton?

Can you direct me to your defence.Post#no?

 

Regards

 

Andy

We could do with some help from you.

PLEASE HELP US TO KEEP THIS SITE RUNNING EVERY POUND DONATED WILL HELP US TO KEEP HELPING OTHER

 

Have we helped you ...?         Please Donate button to the Consumer Action Group - The National Consumer Service

If you want advice on your Topic please PM me a link to your thread

Link to post
Share on other sites

Andy, thanks.

 

The defence may be found at post # 17.

 

In addition, I queried the sum claimed as there was a discrepancy, albeit a small amount, between the statements provided.

 

I did NOT defend on the basis of a CCA provided out of time as I was told this was not irrelevant.

 

I tried to contact the solicitors for the claimant, by letter, without reply.

 

I write to the Northampton court on 13th Nov suggesting that as the claimant had not responded to my attempts to make contact,

nor had indicated a willingness to attend mediation, that their claim be struct out.

 

The Northampton courts letter of 8 nov states the matter will be tfrd to my local court and that i would receive directions.

 

Then i receive the judgment!

 

I cannot afford to pay the full sum, which is stated in the order.

 

At the very least can i make an application to the court to hear this matter so that I can agree an affordable monthly payment programme?

 

any help would be much appreciated.

Link to post
Share on other sites

Which Court stamped/issued the Judgment Order?

We could do with some help from you.

PLEASE HELP US TO KEEP THIS SITE RUNNING EVERY POUND DONATED WILL HELP US TO KEEP HELPING OTHER

 

Have we helped you ...?         Please Donate button to the Consumer Action Group - The National Consumer Service

If you want advice on your Topic please PM me a link to your thread

Link to post
Share on other sites

Assuming you wish to accept the judgment...and I see little merit in the defence you offered..you could apply to vary the judgment (N245) to an affordable monthly payment.

That's only an assumption unless you can offer further grounds of defence.

 

As initially stated you would not be notified of the decision in your absence " 3. As this order is made without notice to the parties a party affected by it may apply within 7 days of service of it for the order to be varied or discharged.

dated 15th November 2012.

 

Regards

 

Andy

We could do with some help from you.

PLEASE HELP US TO KEEP THIS SITE RUNNING EVERY POUND DONATED WILL HELP US TO KEEP HELPING OTHER

 

Have we helped you ...?         Please Donate button to the Consumer Action Group - The National Consumer Service

If you want advice on your Topic please PM me a link to your thread

Link to post
Share on other sites

ok,

it looks as though im out of options, and luck.

 

Also I cant afford my employer to see a CCJ against me so

 

can someone tell me if i settle the claim either in full, or at such a figure as the claimant will accept

and advise the court that the claim has been paid in full,

 

will the ccj still appear and

 

if the answer is "no"

 

what should I do,

 

what action should I take, to ensure the CCJ doesnt get registered.

Thank you

Link to post
Share on other sites

If its paid in full by the due date as stated on the Judgment notification it will not appear on the register.Anything less than full payment on time will.

 

Andy

We could do with some help from you.

PLEASE HELP US TO KEEP THIS SITE RUNNING EVERY POUND DONATED WILL HELP US TO KEEP HELPING OTHER

 

Have we helped you ...?         Please Donate button to the Consumer Action Group - The National Consumer Service

If you want advice on your Topic please PM me a link to your thread

Link to post
Share on other sites

  • Recently Browsing   0 Caggers

    • No registered users viewing this page.

  • Have we helped you ...?


×
×
  • Create New...