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lowell joined 3 debts [2 mobile, 1 credit card]made me BK, now want my house!!


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Good luck from me too. Everything crossed for you. :)

 

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Hello there Wendyboats (aka Watson)

 

It has been a long time old boy since I adventured onto these moors. I am still here Watson and looking out for you always.

 

Kind regards

 

Mouldy (Holmes)

 

 

Hi my friend Mouldy so glad you have confirmed what I already knew in my heart and that is you are as promised all that time ago beside me.

 

 

I have only just seen your message as I thought I would be in London tonight, but as it had a 3 day window it looks like it is going to be 28th or 29th and I am on stand by.

 

 

We are nearing the end of this case Holmes, and Watson admits it has taken a toll on his fighting spirit, but for you all at CAG I would not have made it thus far.

 

 

Will be back soon Wendyboats aka Watson see you on the other side. xx

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Thank you all and I will come back in next couple of days after hearing to post out come. I hope one day to meet some of you and shake your hands and put a face to your names. And of course you will all be mentioned in my book.

 

 

Kindest regards Wendy xxxx

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Thank you all and I will come back in next couple of days after hearing to post out come.

 

Kindest regards Wendy xxxx

 

 

do let us know. hope it went ok.

IMO

:-):rant:

 

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Thank you all and I will come back in next couple of days after hearing to post out come. I hope one day to meet some of you and shake your hands and put a face to your names. And of course you will all be mentioned in my book.

 

 

Kindest regards Wendy xxxx

 

You're writing a book?!! I reckon I could write one, too… It will be longer than War & Peace at this rate… xxx

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You're writing a book?!! I reckon I could write one, too… It will be longer than War & Peace at this rate… xxx

 

 

TB Yes I am writing a book but its bout 3 different fights iv had ongoing since 2012.

 

 

Barrister has just confirmed its ON THURSDAY ! I will let you all know what the outcome is.

 

 

WENDYBOATS AKA WATSON Is Now Ready xxxxx

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Good luck, would l ike to see some good news

PLEASE HELP US TO KEEP THIS SITE RUNNING

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The SabreSheep, All information is offered on good faith and based on mine and others experiences. I am not a qualified legal professional and you should always seek legal advice if you are unsure of your position.

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TB Yes I am writing a book but its bout 3 different fights iv had ongoing since 2012.

 

 

Barrister has just confirmed its ON THURSDAY ! I will let you all know what the outcome is.

 

 

WENDYBOATS AKA WATSON Is Now Ready xxxxx

 

 

Let 'em have both barrels!! xxx

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Hi sorry so late to cut a long story short it appears I was granted another appeal hearing of bankruptcy at last court date and today was to prove why I should be given out of time...

 

 

The judge has given me till Friday the 13th to prove the reasons why and or any incompetence of the solicitor and the 3 pro- bono barristers that said they would help and then did not and if I can prove this and the reasons why that accounted for all my delays then I will be granted a appeal hearing out of time !!!

 

 

I have to now go through all my paper work and prove something that is unbelievable, but a fact and I can and I will, it was also acknowledged that some one or more had misplace my bundle on a number of occasions and that the judge who declined my appeal in my absence had dates wrong etc.

 

 

So here I go again CAGGERS he also wants to know why fist pro bono turned on her heels and why it took me so long to apply myself to courts ? The barrister for Lowell's said I was incompetent and in denial !

 

 

Also Judge said I needed to prove the other debts added are out of time or in fact not mime as added this year totalling £6,000 so as I say head down and away I go.

 

 

Night guys any questions I will get back to you in morn as I am spent xxxxxxxxxxxxxx

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What a farce of a situation ! More about procedural issues than the actual substance.

 

I thought the issues you mentioned had already been heard by a previous Judge.

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 OTHERS

 

 Have we helped you ...?         Please Donate button to the Consumer Action Group

 

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

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Hi sorry so late to cut a long story short it appears I was granted another appeal hearing of bankruptcy at last court date and today was to prove why I should be given out of time...

 

 

The judge has given me till Friday the 13th to prove the reasons why and or any incompetence of the solicitor and the 3 pro- bono barristers that said they would help and then did not and if I can prove this and the reasons why that accounted for all my delays then I will be granted a appeal hearing out of time !!!

 

 

I have to now go through all my paper work and prove something that is unbelievable, but a fact and I can and I will, it was also acknowledged that some one or more had misplace my bundle on a number of occasions and that the judge who declined my appeal in my absence had dates wrong etc.

 

 

So here I go again CAGGERS he also wants to know why fist pro bono turned on her heels and why it took me so long to apply myself to courts ? The barrister for Lowell's said I was incompetent and in denial !

 

 

Also Judge said I needed to prove the other debts added are out of time or in fact not mime as added this year totalling £6,000 so as I say head down and away I go.

 

 

Night guys any questions I will get back to you in morn as I am spent xxxxxxxxxxxxxx

 

Grrrrr!!! This makes me so angry… the court is so incompetent, yet the onus is on the LIP to do all the legwork!! I have had exactly the same kind of scenario… still fighting to try and find out why my defence and counterclaim were not issued to the court prior to a hearing to get a charge on my home… the court messed up & I'm left running around trying to find answers!! We should co write this book… it will sell out!! Take care and try and get some rest before tackling it all again… these time limits are all to do with pressurising us to give up, I think. I hope that you get some justice eventually… xx

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What a farce of a situation ! More about procedural issues than the actual substance.

 

I thought the issues you mentioned had already been heard by a previous Judge.

 

The courts mess up time and time again…

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The courts mess up time and time again…

 

Mess up or is there another explanation ?

 

I just wonder whether the courts are set up to favour creditors and therefore the processes are designed to assist creditors who will pay for legal services, that know the system inside out. The debtors will always face a tough challenge, as they are unlikely to obtain the best legal help, as most experts work for creditors as that is where the money is.

 

The other issue is that Judges may not always be totally aware of all the facts and may just be given a basic overview of cases. They rely on this and what the two sides say in the court. If a Judge is hearing many cases on the same day, they cannot have read all of the bundles they are given. The creditors Barristers must know this, so they pick on a few specific procedural issues, knowing that the Judges are stringent about rules being followed and it then goes back to justifying why an application for appeal should be accepted, when rules about time limits have not been adhered to. You then end up making the same arguments again, with more details being asked for.

 

Next stage is going to be crucial and they need to make it easy for the Judge with specific to the point information, covering what has been asked for.

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We could do with some help from you.

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Mess up or is there another explanation ?

 

I just wonder whether the courts are set up to favour creditors and therefore the processes are designed to assist creditors who will pay for legal services, that know the system inside out. The debtors will always face a tough challenge, as they are unlikely to obtain the best legal help, as most experts work for creditors as that is where the money is.

 

The other issue is that Judges may not always be totally aware of all the facts and may just be given a basic overview of cases. They rely on this and what the two sides say in the court. If a Judge is hearing many cases on the same day, they cannot have read all of the bundles they are given. The creditors Barristers must know this, so they pick on a few specific procedural issues, knowing that the Judges are stringent about rules being followed and it then goes back to justifying why an application for appeal should be accepted, when rules about time limits have not been adhered to. You then end up making the same arguments again, with more details being asked for.

 

Next stage is going to be crucial and they need to make it easy for the Judge with specific to the point information, covering what has been asked for.

 

Indeed…

 

What I've seen so often on here is people who have a legitimate case against a creditor, but who instead, end up fighting with the court, because the court takes to route of least resistance, and take the side of those who are most able to afford proper legal representation- the creditor!

 

My case, and one I have been struggling with for several years, is similar to that of wendyboats… I started out with a 'cast iron' case and even managed to get pro bono assistance… and all went swimmingly until my lawyer told me he would not be able to accompany me to the hearing. It was the worst news ever because I am severely hard of hearing and was going to struggle to understand, even with the benefit of hearing loop. But when I got to court, the hearing loop provided was of the wrong sort… this despite all my efforts in making sure the court was aware that I was awaiting two hearing aids… I emailed several times and even visited the court prior to the hearing. All to no avail!!

 

But even worse was to follow… the judge was not prepared to adjourn whilst I waited for my hearing aids to be fitted… he insisted that the hearing would continue and that he would ensure that everyone shouted for my benefit… I struggled terribly, both hands cupped behind my ears the whole time… straining forwards until my whole body ached with the effort… when I had to put my hands down to find documents in the bundle, they carried on speaking whilst I did so, and I missed vital bits of dialogue… I even asked at one point during cross examination if I could sit closer to counsel as I was not understanding him properly… the judge refused!!

 

To make things even worse, I had forgotten to bring my heart tablets, and after several hours was suffering from palpitations verging on a panic attack… (the other side didn't help things in this respect by sending their costs by email a few hours before the trial… the fist I had any idea that I was facing nearly £40k of legal costs…!! The other side had run up a large bill due to the No Win No Fee solicitor…

 

I started making mistakes due to misunderstanding the questions… the judge soon jumped onto me, telling me I was going to lose… this is only a few hours into what would be a two day trial and before I had even had a chance to question the other side.

 

I probably did wrong by withdrawing, but I felt so ill and confused… and the next day I found some evidence which should have been fatal to the other side's argument, and I wrote to the court asking permission to set aside my decision to withdraw, but the judge was having none of it…

 

We are now 4 years and counting… all because the judge denied me the right to a fair trial… the other side got a CO against me for his costs and is now threatening to force a sale.

 

There have been several hearings, none of which provided the hearing loop I had requested in each case… the court even failed to issue my defence and counterclaim at the hearing for the final CO, saying I'd not paid a court fee…(I am exempt and had filled in the forms, etc)., of course, they didn't bother to write to query this, and I found out only two days before the hearing when I contacted the court.

 

The judge refused to adjudicate, despite my pointing out the court's maladministration… and now, like wendyboats, I am fighting for the roof over my head…

 

There is something dreadfully wrong with a system where a person who cannot afford expensive legal advice is at a disadvantage when trying to pursue an injustice.

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TB Yes I am writing a book but its bout 3 different fights iv had ongoing since 2012.

 

 

Barrister has just confirmed its ON THURSDAY ! I will let you all know what the outcome is.

 

 

WENDYBOATS AKA WATSON Is Now Ready xxxxx

 

Wendyboats… I will help you co-write your book as my experience of the courts is practically a carbon copy of yours…

 

We should call it "A LIP's Guide to Access to Justice & Other Grimm Fairy Tales…

 

What say you?! xx

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  • 2 weeks later...

Wendyboats… I hope all's well… I thought I'd let you know I've just had an apology from the court following an investigation into its maladministration… it has only taken them a YEAR!!

 

Am now considering my next move…

K

eep plugging on… we WILL win!!

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Wendyboats… I hope all's well… I thought I'd let you know I've just had an apology from the court following an investigation into its maladministration… it has only taken them a YEAR!!

 

Am now considering my next move…

K

eep plugging on… we WILL win!!

 

That's good news TB...

 

Update hearing adjourned still waiting for lower judges transcript as requested by judge. Wendyboats aka Watson

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  • 2 weeks later...

WB… I hope all is ok and that you are getting somewhere… I often think about the injustice that's been done to you and so many other people whose only crime was not to be rich enough to pay for a lawyer…

 

Please do come back when you are able and let us know how you are.

 

TB x

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WB… I hope all is ok and that you are getting somewhere… I often think about the injustice that's been done to you and so many other people whose only crime was not to be rich enough to pay for a lawyer…

 

Please do come back when you are able and let us know how you are.

 

TB x

 

Hi TB, Hi all,

 

Transcript has been sent to Judge in lower court to approve, its been nearly 2 weeks, so chased up on Thursday with company that transcribed it, as yet no new from them.

 

I am not getting notifications of my messages on here so I will check daily now till I can up date some news of this.

 

WB aka Watson, Promises........

I will let you all know as soon as I do, I know you all are with me, holding my hand, as I wait for news sat in this cold, dark, and very, very scary place that is called the moors. WB aka Watson is looking out for you xx

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