Jump to content


  • Tweets

  • Posts

    • Please see my comments on your post in red
    • Thanks for your reply, I have another 3 weeks before the notice ends. I'm also concerned because the property has detoriated since I've been here due to mould, damp and rusting (which I've never seen in a property before) rusty hinges and other damage to the front door caused by damp and mould, I'm concerned they could try and charge me for damages? As long as you've documented and reported this previously you'll have a right to challenge any costs. There was no inventory when I moved in, I also didn't have to pay a deposit. Do an inventory when you move out as proof of the property's condition as you leave it. I've also been told that if I leave before a possession order is given I would be deemed intentionally homeless, is this true? If you leave, yes. However, Your local council has a legal obligation to ensure you won't be left homeless as soon as you get the notice. As stated before, you don't have to leave when the notice expires if you haven't got somewhere else to go. Just keep paying your rent as normal. Your tenancy doesn't legally end until a possession warrant is executed against you or you leave and hand the keys back. My daughter doesn't live with me, I'd likely have medical priority as I have health issues and I'm on pip etc. Contact the council and make them aware then.      
    • extension? you mean enforcement. after 6yrs its very rare for a judge to allow enforcement. it wont have been sold on, just passed around the various differing trading names the claimant uses.    
    • You believe you have cast iron evidence. However, all they’d have to do to oppose a request for summary judgment is to say “we will be putting forward our own evidence and the evidence from both parties needs to be heard and assessed by a judge” : the bar for summary judgment is set quite high! You believe they don't have evidence but that on its own doesn't mean they wouldn't try! so, its a high risk strategy that leaves you on the hook for their costs if it doesn't work. Let the usual process play out.
    • Ok, I don't necessarily want to re-open my old thread but I've seen a number of such threads with regards to CCJ's and want to ask a fairly general consensus on the subject. My original CCJ is 7 years old now and has had 2/3 owners for the debt over the years since with varying level of contact.  Up to last summer they had attempted a charging order on a shared mortgage I'm named on which I defended that action and tried to negotiate with them to the point they withdrew the charging order application pending negotiations which we never came to an agreement over.  However, after a number of communication I heard nothing back since last Autumn barring an annual generic statement early this year despite multiple messages to them since at the time.  at a loss as to why the sudden loss of response from them. Then something came through from this site at random yesterday whilst out that I can't find now with regards to CCJ's to read over again.  Now here is the thing, I get how CCJ's don't expire as such, but I've been reading through threads and Google since this morning and a little confused.  CCJ's don't expire but can be effectively statute barred after 6 years (when in my case was just before I last heard of the creditor) if they are neither enforced in that time or they apply to the court within the 6 years of issue to extend the CCJ and that after 6 years they can't really without great difficulty or explanation apply for a CCJ extension after of the original CCJ?.  Is this actually correct as I've read various sources on Google and threads that suggest there is something to this?.
  • 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

Carter/lowells claim form HBOS loan - help


N-Hope
style="text-align: center;">  

Thread Locked

because no one has posted on it for the last 3120 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

You would see the end of it if you accepted their consent......unless of course the debt is not yours.

 

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

  • Replies 161
  • Created
  • Last Reply

Top Posters In This Topic

Top Posters In This Topic

They dont have to prove anything...its your decision.

 

Best of luck

 

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

Hi Andy!

 

no response yet from my worst enemies…….Just for clarification ……. Since I decided not to succumb to my enemies, do you think that they can complete the consent form, copy my signature and send it off?

If they did that, what options do I have?

Link to post
Share on other sites

What response are you waiting for?...no they cant submit a Consent without your signature or approval...the Court would check with you anyway if you was in agreement.

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

since they use lots of tricks to take advantage of vulnerable people and get justice on their side, so that is why I am worried......

 

in that case I should look forward to the the next step in the litigation process and that should come from the court....right

Link to post
Share on other sites

If you have received your Notice of Allocation (after submitting your DQ) the time table and Directions should be listed on there.

 

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

I have not received any Notice of Allocation yet, the last letter from the court was the defence acknowledgement ...saying copy has been sent to the claimant... since them nothing has show up except those from the BC. Thanks.

Link to post
Share on other sites

Ok then the claim must be stayed.Not until the Claimant informs the court they wish to proceed will the claim be allocated....so do nothing and sit tight.

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

would i get a letter from the court if the claim is stayed.?.

 

No as it states in your defence acknowledgement letter.

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

How are you Andy/All? guess all are having great time. Thanks for all the advice.

 

update:

I just received N149A attached to it is N180, stated on the N149A

.... This is now a defended claim

…. it appears that this case is suitable for allocation to the SCT…

. complete the small claims directions questionnaire (Form 180) and file to the court office and serve copies on all other parties.

 

 

please I need advice on this,

i.e Quest. A1 mediation service.....

also serve copies to all other parties.

should I complete and send it off?

 

On the issue of mediation

. since I don’t have relevant documents that substantiate their claims, would it not be difficult for me to consider mediation or if I say Yes to mediation, should I just let the mediator know that the claimant have not disclose the relevant document to justify their claim.

 

Another question:

do I need to attach any document to the N180 or a short note that the claimant has not disclosed all necessary information needed to justify their claim.

 

Your advice is greatly appreciated…..thanks

Link to post
Share on other sites

How are you Andy/All? guess all are having great time. Thanks for all the advice.

 

update: I just received N149A attached to it is N180, stated on the N149A .... This is now a defended claim…. it appears that this case is suitable for allocation to the SCT…. complete the small claims directions questionnaire (Form 180) and file to the court office and serve copies on all other parties.

 

please I need advice on this, i.e Quest. A1 mediation service..... also serve copies to all other parties. should I complete and send it off?

Yes and yes but only by the required date

 

On the issue of mediation…. since I don’t have relevant documents that substantiate their claims, would it not be difficult for me to consider mediation or if I say Yes to mediation, should I just let the mediator know that the claimant have not disclose the relevant document to justify their claim.

Another question: do I need to attach any document to the N180 or a short note that the claimant has not disclosed all necessary information needed to justify their claim.

Your advice is greatly appreciated…..thanks

 

All parties are expected to participate in mediation so its a yes and nothing to do with documents disclosed or not...mediation is about narrowing any differences it not a trial and the mediator has no powers to order either party to comply with any request...but you can raise the issue.

 

Also no you dont attach anything to a DQ is merely for allocation purposes only...not a further defence.

 

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

  • 2 weeks later...

Hi Andy/All, How is your day? guess you are very busy helping us out...thanks for the advice and all the help.

 

Just an update....i received DQ back from the other part, it was sent two days before the deadline.

 

Reading through the DQ, question D3 was zero and E1 was No, so what does that mean please....No payment and also he will not be sending his representative..

Link to post
Share on other sites

It means its a half hearted attempt to submit their DQ but will hold on to their payment until the very last min...just in case you back down.:madgrin:

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

Good morning Andy/All, Thanks for your response.

 

They are bunch of jokers, I can't back down.

 

How about the Quest D3 on the DQ where they wrote zero witness?

 

Also if at all they do have anything with them that they can disclose that will make me back down why can they do that now instead of beaten around the bush.

They should be able to justify their claim if it is really legitimate.

 

 

 

Link to post
Share on other sites

D3 being left blank is correct you only add witness apart from yourself in that field.The correct time within the procedure will arrive when they must disclose so I'm afraid its always a little cat n mouse at this stage...its known as sounding each other out.

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

You wont be birched for it LiPs are not expected to know all the procedures.:-)

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

  • 1 year later...

Hi all (Andy), it has been a while since i last provided you an update on what is going on:

 

the court date has been fixed and both parties has been asked to deliver the documents they will rely on to every other party

and the original documents to be available during hearing.

 

I have put together CPR, CCA and the defense statement and send it off .

 

As at today i have not received anything from the lowlife and associate...

Link to post
Share on other sites

  • Recently Browsing   0 Caggers

    • No registered users viewing this page.

  • Have we helped you ...?


×
×
  • Create New...