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    • I spoke to a pro-bono entity this afternoon.  They advise I must initiate a claim in the court v the receiver if I want to then file an application for an order for sale.  I must have a claim/ proceedings to be able to force a sale. The judge in the current proceedings  has told me that I cannot force the lender to sell and the lender cannot interfere either.   If the receiver isn't acting correctly and isn't selling - this means I must make a claim against the receiver
    • Thanks Dave It's not too far away, about 8 or 9 miles, so I will probably venture over on my bike if I can't think of a good reason to drive there again! I'll have a chat with Mrs GB_Joe tomorrow and see which shops they visited, I know M&S was on the list (had to try on multiple sets of trousers!) and they are actually in that bit of retail park. The uniform shop is across the way in the Meridian Centre, so probably not helpful to get them involved.
    • As they have failed to deliver their original PCN you will need to send them an SAR where they should provide that PCN. It should show the address they used . If it is not your current one that would explain the non delivery. If it was correct then perhaps the Post office messed up. A more cynical view would be that UKPC didn't send it so that you couldn't claim the reduction. It appears that UKPC have been there for some time  but I have been unable to find any pictures of their Notices.The leisure park itself is pretty big so while some parts maybe give 5 hours free parking other parts may have restrictions like permits. I haven't been there for years -I went  to Nandos and the bowling centre . I am surprised that they are now infested with UKPC as the place is plenty big enough not to require their dubious services. If you live not to far away it would help if you could get some legible pictures of their signs. Be carful to park in an area that doesn't require a permit and take photos of the entrance signs, the five hour sign and the permit only sign as well as any other signs that are different from the previous signs. Also if their is a payment machine could you please photograph that.
    • This other entity doesn't know what's going on.  To be clear I had huge equity.  No-one would ever expect a lender to erode all my equity.  The question is - if anyone knows the legal answer - on the basis they have a charging order - could they make an application for an order for sale?  
    • Is this place near to you? I ask for two reasons. If you can easily go back, then get photos of the signs.  On GM and Parkopedia there are various comments about the signs being pants. Also go back to the school uniform shop and ask the manager there for contact details for the retail park (which I've Googled & Googled and got nowhere).  The school uniform shop will just be tenants of the retail park, they won't be able to do anything.  It will be the retail park that called EPC in, and we've seen loads of cases where the organ grinder has intervened and called off the monkey.  As for EPC, aye, ignore them until LoC stage.
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VF & Small Claims


ShaneG2009
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I believe it's a telephone appointment with the small claims mediation service (as listed on page 1 of the N180 form)

 

thanks

Time scale will depend on agreement of date and time, and availability of mediator.

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cheers for all the feedback and once again appologies shane for high jacking your thread. my directions questionaire was due in for the 1st july, mine was submitted and i received a copy of the defendants so i know both were filed on time. I've not had any calls or letters from anyone yet, i was just trying to get an idea of how quickly things move.

 

thanks

 

neil

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OK...case is going to Court.

 

Can you guys help me out with what i need to do now? Do i issue a response to their defence etc.?

 

Thanks

 

Shane

 

Hi Site Team

 

I have emailed the Admin Address a copy of my proposed response document to VF defence. I would be grateful if you could cast your eyes over it and offer me any pointers on it?

 

I'm thinking its a good thing to issue to the Court and to the Defendants Solicitors in advance of the Court hearing so there is absolute clarity on what i am trying to achieve.

 

Thanks

 

Shane

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  • 2 weeks later...

Hi BankFodder

 

Not sure if you have received my emails so thought i'd make contact here as well. Did you have time to review my response to the VF defence document. Im getting nervous as to whether i should issue this to their legal team and the Courts or not?

 

Cheers

 

Shane

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  • 2 weeks later...

Hi all

 

No new updates to report since my last post. I guess its now a case of waiting to hear from the Courts for the big day. Does anyone have any idea on what the likely timescales for a hearing are?

 

I've not filed any response to VF's defence as yet. Probably too late now...

 

Cheers

 

Shane

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  • 4 weeks later...

Hi all

 

Quick update

 

I received a Notice of Transfer of Proceedings in yesterdays post. Basically the case has been transferred from Northampton to my local County Court. The letter says i'll be provided with the Judge's directions once the case has been allocated to a track.

 

It looks like things are moving forward...do i need to do anything to prepare or do i just wait to hear from them again?

 

Thanks

 

Shane

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  • 4 weeks later...

Hi all

 

A bit of a confusing update on my part...

 

I've been on holiday for the last week and returned home to a letter from my local court enclosing an 'N24 - General Form of Judgement or Order' form and it simply says it is ordered to refer to Small Claims Mediation Service.

 

Is it me or is this 'order' a bit behind the times given that i went through the telephone mediation service months ago now or is this a new thing that can be ordered to resolve things without a hearing?

 

Id be grateful for anyones advice so i know what i can do to progress things.

 

Thanks

 

Shane

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Update

 

Its standard procedure for the court to try and refer it to the local rather than national mediation service. I have informed them that unsuccessful mediation took place on the 9th July and that i believed the matter should now be allocated a hearing date.

 

I'll keep you all up to date when a further update comes in.

 

Thanks

 

Shane

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  • 1 month later...

Hi BankFodder and all others

 

I have today received notice from Oxford County Court that i have a date set for the hearing. It is 3rd January 2014.

 

I would really appreciate the assistance of the forum in bringing my documents / evidence up to the standard that is going to be expected of me. I obviously have my POC in place and notes on how i respond to VF defence however i am mindful that the Court will want to see something more, maybe in terms of legislation, guidance documents, case law etc. etc.???

 

I want to get this right so VF cant wriggle out on a technicality or because of a lack of evidence on my part therefore any help is greatly appreciated.

 

Thanks

 

Shane

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  • 2 weeks later...

Hi all

 

I'm not sure if this thread has been blocked or BankFodder / anyone has been prevented from replying??

 

My task now is to bring together my court submission / evidence. As my previous posts i could really do with some assistance here...

 

I have today paid my hearing fee so roll on the 3rd January next year.

 

Cheers

 

Shane

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Hi Shane, I am responding to your email to admin. There is no block on your thread - if there were, you would not be able to post on it.

 

I am not sure why you aren't receiving any responses, so will send out some S.O.S' on your behalf.

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Do you have a hearing date - are you now requiring help to put a witness statement together ?

 

Can you please put together a summary of what has been going on to date ?

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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Hi Citizen

 

Thank you for responding / taking things up for me.

 

Yes, i have a hearing date of the 3rd January 2014 in the Oxford County Court. In the last letter from the court (earlier this month) i was requested to pay an £80 hearing fee which i have done today. It was also explained that i must submit all documents / evidence that i intend to rely upon in Court to both the defendant and the Court. This must be done ** weeks prior to the hearing date (i need to re-consult the letter to determine if it was 4 or 6 weeks?).

 

I just need help with this and generally ensuring what i submit to the court is robust. I didnt know if there was any recent / relevant case law that would help me out seeing as the linchpin for my case is the fairness of the 'penalty' charges applied by VF way back when.

 

I appreciate all the help i get from everyone here...

 

Cheers

 

Shane

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Aha, righto. So help with organising your bundles and stuff. I know that you should produce one each for the court, opposition and yourself. + it is advisable to make one extra copy to take to the court. It is amazing how many bundles are "lost/misplaced", so it is as well to be prepared.

 

It happened to me when the opposition's barrister turned up with an email with the barest of details.. thankfully I had taken enough copies. I recall a story of one cagger who had to give his copy to the Judge and was left without any documents to proceed with his case!

 

You also need to take any original documents with you.

 

I have let Bankfodder, andyorch and steampowered know that you are requiring some input and hopefully they will look in soon :)

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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Brilliant, thank you

 

I am compiling my evidence and as it stands it includes emails to/from Vodafone, copies of sub-prime credit agreements

(proving the effect the default had on my creditworthiness), letters to/from Vodafone concerning the processing of my data, LBA etc.

 

I will also insert copies of OFCOM and OFT guidance as i think these are relevant.

 

I think what i really need is undeniable proof VF's termination charges are unlawful (contrary to UTCCR)

and ditto how they apply them (i.e. charge the consumer for the full effect of the contract without providing the service).

 

It all seems straightforward but i am not naive enough to think that will be the case when we get to Court.

I guess it will ultimately be up to the Judge to determine if the charges are unlawful

and if they are does he rule that the default placed by VF on my credit files is wrong and should be removed.

If that is the case does he also rule compensation is due for the stress associated with the past 3 years....??

 

At the very least by the end of 3rd January 2014 i'll know where i stand in the eyes of a judge and not just Vodafone.

It'll end one way or another, favourably or not but atleast i'll have clarity...

 

Cheers

 

Shane

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Hi Shane

 

 

Is it the bundle list or are you at standard disclosure N265?

 

Regards

 

Andy

We could do with some help from you.

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Hi Andy

 

I have to admit i'd not heard of N265 before nor is it referred to on my latest letter from the Court however i think that is what they are after seeing as i seemingly am at the last stage of the claim. I must also admit i was simply going to create a PDF with sub-dividers for information which i feel relevant to the claim...good job im a member on here.

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Is your claim SCT Shane?

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

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Ah okay forget N265 that's for FT claims....so you simply create a Bundle index and serve a copy on the defendant...then complete your bundle as advised by CB above.

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

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Ah okay forget N265 that's for FT claims....so you simply create a Bundle index and serve a copy on the defendant...then complete your bundle as advised by CB above.

 

Thanks - had a look at the N265 form and it looked new and complicated.

 

Is there a standard format for these bundles or is it OK to simply create a file organised in time order of all relevant documents? If i create my version this weekend would someone in the know be OK to look over it for completeness / 2nd opinion? Is it worthwhile citing case law or anything else for the VF penalty charges or can i assume the judge will have researched this and know what he needs to know?

 

Cheers

 

Shane

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You mustn't "assume" anything where Judges are concerned !!

 

If you have cited case law // regulations - I think you need to include copies.

 

The Bar Council have produced a Guide specifically for LiPs - I have attached it below for you :)

 

There is a summary of the guide in this link.... http://www.consumeractiongroup.co.uk/forum/content.php?976-New-Free-Guide-for-Litigants-in-Person

 

 

 

 

[ATTACH=CONFIG]47649[/ATTACH]

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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