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    • HB - friend historically has left issues to the last moment, always incurring extra costs.  It has been so frustrating.  Always worried about bills; yet always ending up paying more...   Dx- Is it worth friend writing to the court to say that a legal rep could go to the court on the hearing date - to request Claim be stayed/ struck out?  Even though bank has said they will write to the courts to say arrears paid in full?  Or does bank action mean the claim court hearing will automatically be withdrawn?   Or does friend have to go the N244 route?
    • Hi Everybody,   Long time lurker and appreciative of advice on here, but have something of a pickle of my own which hopefully you can help with...   I left a flat in November 2017 and paid what I thought to be a final bill payment (with notorious SP), and also discussed my end of tenancy date with the CS rep. 6 months later go by and I get a call from somebody saying I'm overdue a bill payment for the utilities in the flat, and that they are wanting money from me. I politely told them they are mistaken and I was all finished up with them, and that they couldn't move with me to my new address. Cue another two months of nothing, and they re-appear on my phone, asking for money. I politely told them that it was nothing to do with me, and to speak to the new tenants / property company who managed the previous flat (and gave their address). 6 months later, I decide to check my credit history in-depth and see that there is a default listed on my account for around £100, so I called them up to complain that there was an unwarranted and invalid default on my account, and they highlighted that they never took the final payment and was outstanding an amount which I was not aware of. When discussing with them on my departure dates, they actually had it listed incorrectly, and I then gave them the correct dates, and said they would review and revise the bill statement but needed payment of ~£100 then and there, but would be rectified and re-imbursed when reviewed. They also said they would take care of the default on file if it was incorrect. 2 months later I get a cheque in the post for overpaying them and nothing further is required. I call them up to confirm relating to the default and they advised it would be done in due process. I am now 2 months later (apologies if these months don't add up) and I have checked my credit file with a 'Satisfied' label on the default. I called them up to get it removed, and they are saying they no longer want to remove the default, and that the default was valid.   What is the best course of action for me at this point.. Is there any hope for me here to get this removed?   Thanks in advance! Dave
    • EDIT: Sorry wrong forum, tried to delete.   Hi Everybody,   Long time lurker and appreciative of advice on here, but have something of a pickle of my own which hopefully you can help with...   I left a flat in November 2017 and paid what I thought to be a final bill payment (with notorious SP), and also discussed my end of tenancy date with the CS rep. 6 months later go by and I get a call from somebody saying I'm overdue a bill payment for the utilities in the flat, and that they are wanting money from me. I politely told them they are mistaken and I was all finished up with them, and that they couldn't move with me to my new address. Cue another two months of nothing, and they re-appear on my phone, asking for money. I politely told them that it was nothing to do with me, and to speak to the new tenants / property company who managed the previous flat (and gave their address). 6 months later, I decide to check my credit history in-depth and see that there is a default listed on my account for around £100, so I called them up to complain that there was an unwarranted and invalid default on my account, and they highlighted that they never took the final payment and was outstanding an amount which I was not aware of. When discussing with them on my departure dates, they actually had it listed incorrectly, and I then gave them the correct dates, and said they would review and revise the bill statement but needed payment of ~£100 then and there, but would be rectified and re-imbursed when reviewed. They also said they would take care of the default on file if it was incorrect. 2 months later I get a cheque in the post for overpaying them and nothing further is required. I call them up to confirm relating to the default and they advised it would be done in due process. I am now 2 months later (apologies if these months don't add up) and I have checked my credit file with a 'Satisfied' label on the default. I called them up to get it removed, and they are saying they no longer want to remove the default, and that the default was valid.   What is the best course of action for me at this point.. Is there any hope for me here to get this removed?   Thanks in advance! Dave
    • My thought is: you need a solicitor yourself, and quickly.   The legal situation sounds extremely complicated.    There's only question that I feel confident in advising you on. You ask "The letter was also not recorded in case it makes a difference." No it doesn't. It might have done if you hadn't received the letter, but you have.
    • Hi DX   I have amended the WS and I hope i have taken out the meaningless gibberish.    Thanks, Roland    IN THE County Court AT                                                                              CLAIM NO:      BETWEEN: CABOT FINANCIAL (UK) LIMITED   -and- (DEFENDANT)     ___________________________________________ WITNESS STATEMENT OF      INTRODUCTION    1. I, XXXX, the Defendant in this case, make this statement in support of my defence against the Claimant, Cabot Financial (UK) Limited.  The matters set out below are within my own knowledge, except where I indicate to the contrary.    THE DEFENDANT’S RESPONSE TO THE CLAIMANT’S WITNESS STATEMENT    2. The Claimant states in Paragraph 3, ‘….refer to various documents, true copiesof which are contained in the paginated bundle to this statement marked “JK”1’, but then states in para 4, ‘Acopy of the reconstituted agreementwith associated terms and conditions….pages 1-10’. There is an Agreement and 2 sets of Terms & Conditions and according to para 4 they are not the original but ‘a reconstitutedversion’. The agreement in the JK1 exhibit on page 2 shows an agreement with my name, address and a date but no Account Number or Reference Number as the same was not mentioned in the Claimant’s Particulars Of Claim, which was addressed in my Defence Para 1, ‘the particulars of claim are vague and generic…’.    3. The Claimant’s Witness Statement does not state how the agreement was made, via telephone, post or electronically.   4. There are 2 sets of Terms & Conditions Pages 4-10 which does not show my name and address as per the Consumer Credit Act 1974 Request.    5. Pages 1-10 can easily be downloaded from various internet forums and image sites and have my details inserted with any picture manipulation software.   6. The Claimant states in Para 9 that my defence is a ‘templated defence’, requesting documents pursuant of CPR 31.14 and Section 78 of the Credit Card Act 1974, this is a defendant’s right for request of information but the Claimant has failed to provide the true original Credit Card Agreement and Terms & Conditions.   7. The Claimant states in Para 25 that, ‘the Claimant allowed the proceedings to be stayed in order to allow the parties to attempt settlement negotiations…..’ this is not correct as the Claim was stayed due to the Claimant not being able to provide the requested documents pursuant of my CPR 31.14 and Section 78 of the Credit Card Act 1974. 8. Para 30 and 31of the Witness Statement requests to restore the proceedings, to strike out the Defence, has requested for a Summary Judgement, together with costs to be assessed summarily by the court. I, the Defendant, strongly object to the Claimant’s Witness Statement requesting to lift the stay and enter Judgement. I believe therefore, that this should be denied and I respectfully ask for you to strike out the claim. My reasons for this have been outlined in points 1 to 7.  9. By the reason of the facts and matters set out above, it is denied that the Claimant is entitled to the relief claimed or any relief and invite the Court to strike out the claim.     I believe that the facts stated in this Witness Statement are true.    Signed:  Dated: 
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Had a discussion on the internet other day with an American going on about how bad gay marriage was

 

After pointing out that there are other topic that deserve the attention more and are more of a risk to civilisation than gay marriage. After all, when was the last time a gay person detonated themselves for the so called Gay Agenda" or Flew planes into buildings or committed mass murder.

 

Agreed that those who actually harm people with hatred should be the target of our efforts than those who just want the opportunity to love like anyone else


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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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thinking it is far too hot, why can we not just have medium heat instead of the oven! it makes me ill. I prefer it be gradual and build it up gently not in one hit! I bet when I go on holiday next month I will prob have snow!


R.I.P my beautiful grey ghost, gone but never forgotten, taken so suddenly, 04/07/2004 ~ ~ 02/03/2017

Gone but never forgotten,Little Miss Sunshine, Alisha Marie. 15/12/2005 ~ ~ 13/02/2006

Our  beloved Dalmatian Jazz,  gone to join Wal at Rainbow Bridge, hope you are now pain free .  20/9/2005 ~ ~ 24/3/2019

 

 

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Had a discussion on the internet other day with an American going on about how bad gay marriage was

 

After pointing out that there are other topic that deserve the attention more and are more of a risk to civilisation than gay marriage. After all, when was the last time a gay person detonated themselves for the so called Gay Agenda" or Flew planes into buildings or committed mass murder.

 

Agreed that those who actually harm people with hatred should be the target of our efforts than those who just want the opportunity to love like anyone else

 

 

Well done Sabre

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Keep hearing the murderers in Tunisia were on the radar. Once on don't take off, or ignore. We all need to be vigilant as we go about our business as the murderers are always looking for opportunities.

 

 

ITV now tonight programme covers the threats we face.

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http://www.telegraph.co.uk/news/science/11733369/Earth-heading-for-mini-ice-age-within-15-years.html

 

For me two main reasons why Tories won election, reliance on personal image of leader, personal jibes towards the opposition, promoting a presidential image to impress and the other reason frightening people big business would leave the country and your jobs would be lost if Labour were elected. Perception is key. This country is great in many ways, not perfect but when it comes to assets being safe, you're not going to get a mass exodus of business. They could lose everything in other countries! Perhaps an idea to have a referendum on making your vote count to give fairness of representation. Maybe George O is next for leader, previously I thought Oliver G.

 

News report we are at the same level of alert as Tunisia.

 

Greece need to kick start industry and produce for themselves and export, a plan for this first and then the talk of bailouts and pay backs can be considered. As it stands it's a black hole for cash but Brussells don't want Grexit as it then shows a union fits all doesn't work. A big conundrum.

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Tories won the election mostly because of the potential for Labour to have got into government with the support of SNP. I live in the South of England, but the day before the election the Tories had a mobile billboard lorry touring the area with a billboard showing Ed Miliband and Nicola Sturgeon outside of no.10.

 

Also the Tories spent twice as much as all the other parties combined, so not a fair election. The Lib Dems had no money for a proper election campaign.

 

As for Labour, they were not offering a clear alternative. A very bad campaign. If you cannot explain why you are different to another party, you have a problem.

 

As for the current world, it is a mess. We could have WW3 within 10 years, but it will be different to the previous two wars. The various terrorist groups are joining together and they are taking over parts of countries already. The US and allies won't intervene on the ground yet, because they would incur a lot of casualties. Some of these terrorist groups have people living in western countries who will carry out acts of terror. The 7/7 type attack could well happen again.


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There was the Scottish scare mongering as well, for me that comes under my umbrella of business leaving Uk partly because of the Scottish factor and comes into my reason of perception, perceive Scotland as the enemy. A call of join me to defeat them. Could be seen as racist?

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There was the Scottish scare mongering as well, for me that comes under my umbrella of business leaving Uk partly because of the Scottish factor and comes into my reason of perception, perceive Scotland as the enemy. A call of join me to defeat them. Could be seen as racist?

 

Yes the Tories campaign could be seen by some as racist. The Tories see themselves as the party for England, hence English votes for English laws. They are no longer a unionist party.

 

I do not like Tories, after years of seeing their true nature. I just don't trust them. Some within Labour are the same. We have the new era of professional politicians who try to be clever. Telling lies seems to be seen as acceptable.


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all parties are the same I find, full of hot air.

 

I do not like the Labour party but that is my opinion.


R.I.P my beautiful grey ghost, gone but never forgotten, taken so suddenly, 04/07/2004 ~ ~ 02/03/2017

Gone but never forgotten,Little Miss Sunshine, Alisha Marie. 15/12/2005 ~ ~ 13/02/2006

Our  beloved Dalmatian Jazz,  gone to join Wal at Rainbow Bridge, hope you are now pain free .  20/9/2005 ~ ~ 24/3/2019

 

 

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Greece need to kick start industry and produce for themselves and export, a plan for this first and then the talk of bailouts and pay backs can be considered. As it stands it's a black hole for cash but Brussells don't want Grexit as it then shows a union fits all doesn't work. A big conundrum.

 

There's no room for cut backs so the country needs help to rebuild it's economy in a credible way and make the EU feel they have confidence in Greece to do this.

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Raising Fox Hunting again has angered and embarrassed many Tory supporters. Their view is there are far more important issues which need to be addressed and gives the impression the cabinet doesn't connect with the electorate. It brings back that Tory Boy image. The next thing is trying to force thru English votes for English laws, so they can force thru the Fox bill. I believe the people will begin to see what's going on with the blues in power and begin to embrace the SNP.

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Transport workers told to work 24 hrs. This will eventually be embraced, but the government made it look as though it was an outright refusal by the unions, for obvious reasons. There needs to be more discussion as to how this will be implemented but the bullies can't be bothered with that part of the equation. Now, surgical staff have been told to work weekends. With this implementation, people will see how these reforms take time to put into place, and not that train unions are purposely difficult. The government just want people to have that perception.

 

MP's just awarded 10% pay increase. So there is money then. There is also a long recess in summer. A world away from workers just trying to get a fair deal, work life balance.

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There was a news item about cartoons explaining the nuclear bombing of Hiroshima and Nagasaki.

 

The thought occured to me that the horror of the bombing, may have prevented nuclear bombs being used later, therefore saving more lifes in the long run. Had the bombing of Hiroshima and Nagasaki not happened, how history would have been different. Would Japan have continued the war ? Would other nations have got hold of nuclear technology that was more powerful in the years after because the full horror was only theoretical ? Would the cold war between Russia and the West been worse, with the potential for nuclear war being higher ?

 

An awful event in history, but we don't often think about how the world would have been different, had it not happened. Perhaps WW3 would have already happened and i would not be around to type this comment on CAG.


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why a few days before a holiday everything seems to go wrong!


R.I.P my beautiful grey ghost, gone but never forgotten, taken so suddenly, 04/07/2004 ~ ~ 02/03/2017

Gone but never forgotten,Little Miss Sunshine, Alisha Marie. 15/12/2005 ~ ~ 13/02/2006

Our  beloved Dalmatian Jazz,  gone to join Wal at Rainbow Bridge, hope you are now pain free .  20/9/2005 ~ ~ 24/3/2019

 

 

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Why do delivery drivers seem to expect us to be standing behind the front door, ready to open it at their knock???

 

Yes, I'm disabled so it does take me a little longer to get to the door, but the woman had the cheek to ask me, at midday, if she had gotten me out of bed!! I was standing there fully dressed, hair done, make up on. Evidently they let anyone drive, as I said to her sarcastically 'yes I always go to bed fully dressed'. she looked at me, obviously confused, and said 'well sorry about that'.

 

People!! Can't live with them, can't shoot 'em when they come to your door.


We hang the petty thieves and appoint the great ones to public office ~ Aesop

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Thought of a new thread, but probably better here.

 

Have the public become too use to high death counts in accidents reported and it is no longer major news ?

 

Over the weekend we had the air show plane crash which has killed up to 20 people on the A27. It has been the first item on the TV news and is covered in newspapers, but it is not the big news story it would have been only a few years ago. A few years ago, we would have had continual news coverage and normal TV programmes interupted to break the news. Now it is just one story.


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Amazing Idea! What makes me smile in the start of the day is to thank God For giving me this another life to spend with my friends and Families. :)

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Thought of a new thread, but probably better here.

 

Have the public become too use to high death counts in accidents reported and it is no longer major news ?

 

Over the weekend we had the air show plane crash which has killed up to 20 people on the A27. It has been the first item on the TV news and is covered in newspapers, but it is not the big news story it would have been only a few years ago. A few years ago, we would have had continual news coverage and normal TV programmes interupted to break the news. Now it is just one story.

 

I think this terrible disaster will be the start of a discussion as to whether air show acrobatics should not take place over land. I sense this tragedy will be expanded upon this coming week.

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There's been reports in the past on this drug but I believe everyone should be aware of it's existence, and from what I hear it's on our streets. Do we all remember on the news a short while ago, a small shop owner is seen handing over his wallet to a man who was a thief. He seemed to just walk in, 'hypnotise' the shop owner and the wallet was handed to the thief. We didn't hear any more of that incident but my guess is it's this drug which was used. If a small amount of the drug dust is blown at you, you comply with whatever is asked of you and you lose memory of what happened whilst under it's influence. Maybe there should be an advert campaign, what happens in clubs and bars comes to mind and any citizen caught unawares.

 

http://www.messagetoeagle.com/devilsbreath.php#.VLwD6UesWbM

 

It's raised again

 

http://www.dailymail.co.uk/news/article-3220379/The-danger-Devil-s-Breath-women-criminals-using-new-trick-blowing-drug-powder-victim-s-faces-leaving-like-zombie-s-ll-ANYTHING.html

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I've noticed a 70's revival, clothes in shops, new car colours. When I look at the clothes funny how it takes you back quickly. :-D

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It amazes me the stupidity of some people who think they are intelligent and well educated, but answer questions on BBC Question Time in an illogical way. Charles Moore the journalist and a Tory Welsh MP appeared to believe that the Prime Minister was the only person who could press the button to trigger UK nuclear missiles being used. If this was the case anyone attacking the UK would first bomb the location where the PM was. The truth is that there is a command structure and the PM is at the top of a list. The PM cannot decide to press the button in isolation or rule out using them. This is what makes the Jeremy Corbyn nuclear button debate a bit silly.


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Yes UB. They're trying to discredit JC but imo it aint working!

 

We are really starting to see the true colours of those we thought really cared. I was disappointed to hear comments from a household name how we may as well live in China if JC elected. How ridiculous. This person thinks JC will rock the markets. The only people rocking the markets are those who peddle grim gossip which shallow city dealers use for their own ends. Challenging hefty rents and runaway house prices is a positive move, even for investors. If you don't address these issues, there will be empty property eventually, your portfolio is only as lucrative as those willing to buy or rent. Too much greed will desseminate that.

 

The Kennedys 9.30 tnite BBC1 back to the 70's:-D

 

Listening to how the gun lobby in USA dictates to a so called democracy. Money before people again.

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