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    • Unsettling the applecart?,  I'm going to be direct here, I know how this works , I've been in far worse situation than your relative, and I can assure you , now that there i likely a default in her name, it makes absolutely ZERO difference if she pays or not. Denzel Washington in the Equalizer , 'My only regret is that I can't kill you twice'... It's the same with a default, they can only do it once and it stays on your credit file for 6 years if she pays or not, and as it stands right now she's flushing £180 of her hard earned money down the toilet  so that the chaps at Lowell can afford a Christmas party. As for the SAR this is everybody's legal right, originally under the Data Protection act 1998 and now under GDPR, it's her right to find out everything that the original Creditor has on her file, and by not doing it the only person she is doing a massive disservice to is her self. As the father of 2 young adults myself, they need to learn at some point.. right?
    • Thank you for your pointers - much appreciated. dx100uk - Apologies, my request wasn't for super urgent advice and I have limited online access due to my long working hours and caring obligations - the delay in my response doesn't arise in any way from disrespect or ingratitude. I will speak to her at the weekend and see if she will open up a bit more about this, and allow me to submit the subject access request you advise - the original creditor is 118 118 loans and from the letter I saw (which prompted the conversation and the information) the debt collection agency had bought the debt from 118 and were threatening enforcement which is when she has made a payment arrangement with them for an amount of £180 per month. It looks as if she queried matters at the time (so I wonder if I might with the FIO request get access to their investigation file?) - the letter they wrote said "The information that you provided has been carefully considered and reviewed. After all relevant enquiries were made it has been confirmed that there is not enough evidence present to conclusively prove that this application was fraudulent.  However, we have removed the interest as a gesture of goodwill. As a result of the findings, you will be held liable for the capital amount on the loan on the basis of the information found during the investigation and you will be pursued for repayment of the loan agreement executed on 2.11.2022 in accordance with Consumer Credit Act 1974"  The amount at that time was over £3600 in arrears, as no payments had been made on it since inception and I think she only found out about it when a default notice came in paper form. I'm a little reluctant to advise her to just stop paying, and would like to be able to form a view in relation to her position and options before unsetting the applecart - do you think this is reasonable? She is young and inexperienced with these things and getting into this situation has brought about a lot of shame regarding inability to sort things out/stand up for herself, which is one of the reasons I have only found out about this considerably later Thank you once again for your advice - it is very much appreciated.    
    • That's fine - I'm quite happy to attend court if necessary. The question was phrased in such a way that had I declined the 'consideration on the papers' option, I would have had to explain why I didn't think such consideration was appropriate, and since P2G appear to be relying on a single (arguably flawed) issue, I thought it might result in a speedier determination.
    • it was ordered in the retailers store  but your theory isnt relevant anyway, even if it fitted the case... the furniture is unfit for purpose within 30 days so consumer rights act overwrites any need to use 14 days contract law you refer too. dx  
    • Summary of the day from the Times. I wasn't watching for a couple of interesting bits like catching herself out with her own email. Post Office inquiry: Paula Vennells caught out by her own email — watch live ARCHIVE.PH archived 23 May 2024 11:57:02 UTC  
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Defending small claims court action


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" but it is generally the case that litigants in person are given an awful lot of leeway to miss deadlines."

 

But not as much as the Claimants SP:wink:

We could do with some help from you.

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" but it is generally the case that litigants in person are given an awful lot of leeway to miss deadlines."

 

But not as much as the Claimants SP:wink:

 

Too true !

 

As the case is still going forward we need to get a copy of the clinic notes from the claimant. We have asked for these before but to no avail. We asked again after the court hearing and the claimant said they are only normally released to another vet!?.... I want to request them under part 18. Do I do this in the form of a letter in the first instance to the claimant stating that we are writing under part 18? Do I need to give a reason for requesting them? They are clearly relevant, and we already have a copy of the clinic notes from the 2nd vet who subsequently treated the horse and brought him back to full health.

 

J

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You cant actually request the documents using CPR 18 you can ask for information pertaining to them.Without knowing the full details of your thread or what satge you are at then you will get further opportunity at AQ Draft Directions if Fast Track) or Standard Disclosure.

 

Regards

 

Andy

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Hmmmm, don't understand...... We are the defendant in a small claims track, the claimant is a vet who misdiagnosed my daughter's horse and did not seem to understand how sick the horse was. After 3 weeks in his care his last visit resulted in my daughter taking the horse for a second opinion. The horse was diagnosed within two hours and hospitalised for 7 days and treated with several drugs intravenously and kept sedated. His condition was life threatening. We have not paid the first vets bill as we do not believe he acted with reasonable care and was negligent. Also, we have a very large second bill which has been paid in full. The claimant managed to default on three consecutive court orders to put an expert witness report in place, hence the strike Out hearing yesterday, which we, the defendant applied for. A court order has now been put in place with specific dates for the claimant to adhere to, to find, agree with us, instruct and obtain expert witness report. A final hearing for the case withthe expert witness report is in July. We would like to see the clinic notes from the first vet as during the time he was treating the horse there are other circumstances in our defence pack where the vet has acted in appropriately and overdosed the horse with sedation, and used undue force . Previous advice says to use part 18.

 

How does standard disclosure work?

 

Thanks

J

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Small claims track cases are very much controlled by the DJ and disclosures requested by you the defendant are restricted in a way that you cant draft directions and are at the mercy of the DJ to request disclosure.So you cant orchestrate or lead the claimant in disclosure unlike fast track.

If you have not completed the DQ as yet then the claim is in effect untracked so CPR does apply.CPR 31.14 for documents referred to in their particulars of claim and CPR 18 for information not referred to.

 

Standard disclosure happens after the case is allocated and Witness Statements have been exchanged.Standard disclosure will be each parties documents referred to and used within the particulars and the defence.So if the Vet has referred to the case notes in his Witness statement then he must disclose them and you can request that they be disclosed to you before trial.

 

Its a case of knowing the process and how to weed information from the other party to support your defence/case.

We could do with some help from you.

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As mentioned above cpr 18 and 31 doesnt apply tothe small track, they can be used if your case is on fast/multi track and (theoritically at least), BEFORE allocation (this is why it is mentioned quite a bit on this forum), once allocated they cant be used, this is simply to keep snmall claims as uncomplex and cheap as possible.

 

You could of course call a vet as an espert witness, BUT this needs Judgfes permission, again, simply to keep costs down.

 

Andy

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