Jump to content


  • Tweets

  • Posts

    • Just circling back with a thanks and an apology.   Apologies because, I honestly thought I'd replied to thank everyone and update, but turns out I hadn't. Sorry. So first of all, a big big thanks to the Forum and all those that helped me on this thread, especially @dx100uk and @AndyOrch. The work you do is awesome and I'm sure I'm only one of many who are extremely grateful for your support. So, in terms of a belated update, Moriarty withdrew, well they said ADCB did. So that's a result. Whilst that was a few years back, I still get emails from odd 'agents' locally in UAE - usually at a weekend - or reminders from ADCB. The sums offered by the agents for a settlement are a fraction of the sums that were claimed - like 75% less - so one would presume if one wished to settle, dealing direct with ADCB may be even less. If it helps anyone, what I would say is this. 1) Listen to the advice from the trusted sources on here. They know their onions. 2) It can seem overwhelming to a layman with all this legal jargon, but don't let it scare you. Just take it a step at a time, listen and learn as much as you can from other threads, and trust the process. 3) I was surprised how shambolic Moriarty appeared to be in my case. Don't ever think the other party is above you in terms of knowledge, experience or how they will conduct themselves. Whilst it was during the pandemic, even on the remote calls with the court, in one instance Moriarty didn't even bother attending the call. In other instances, they didn't reply to certain requests I made via court process. Finally, they just give up the ghost, and a few years later I received confirmation of discontinuance. I'm not saying my experience is/was/may be typical, but what I took from it was it simply came down to brinksmanship and them playing the percentages on their part. Play the long game, take good advice, there's nothing to be scared off and if it's anything like my situation, you may well win the day. The longer things went on, the more you will feel you're on the right side. Especially once it gets into all the process, form submission and involvement of the court, stick to your guns and follow the advice.  It's nothing scientific, but if every case was like mine, it seems like these folks have the view that at some point, the defendant will crumble and give in, through fear or otherwise, so it's important to stay brave and keep pushing forward because the further you go, the more it will tilt in your favour. Play a straight bat and the long game. I've now come back to post due to another situation, different debt, and will start a new thread in due course.   So keep your chins up, fight the good fight and good luck to all, and sincere thanks for all the help.  
    • The NTK needs to be redacted, your VRN is still showing.
    • Hi, yes they swapped over after a brief period when the bank were sending something over.
    • Fair enough. But I don't understand why they send these letters. Do people really get scared and end up paying them?
    • That's a blessed relief. They would have been withdrawn because, as I said, they have no evidence that you were driving. That comes from the responses to the requests for driver's details which you failed to send. The important thing is that the speeding charges were laid. That makes life much easier (and far more likely to see a successful outcome). You need to make your SD and serve it on the court where you were convicted. The next you should hear is by way of a "Single Justice Procedure Notice" laying the four charges against you again. You will have three options (for each charge): Plead Guilty and do not attend court Plead guilty and attend court Plead not guilty You must plead Not Guilty to all charges. In the section headed “reason for not guilty plea” you can state that you will offer to plead guilty to the speeding charging providing, and only providing, the FtP charges are dropped. This is a procedure well known to all court users (prosecutors, magistrates and their legal advisors) and is carried out up and down the land daily. I’ll refer to it as “the deal”. Before the pandemic it was necessary to attend court to undertake this deal and speak to the prosecutor (the agreement of the prosecutor is required as the court cannot accept it without that agreement).  However, during the pandemic courts aimed to reduce the numbers of people required to attend to an absolute minimum and most courts accepted a written request to do the deal. Local police prosecutors made an agreement with their courts that the magistrates’ legal advisors could accept the deal. In some areas this arrangement has carried on. In others they have reverted to the old process where attendance was required. So your offer of the “deal” with either be accepted in writing and dealt with under the Single Justice procedure or you may have to attend court. In either event it is important to emphasise that you will plead guilty to speeding only if the FtP charges are dropped.  There may be slight variations to the process depending on how the individual area works but there is no reason why this should not be successful.    
  • 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

HELP! legal translation needed, please...NI claim


style="text-align: center;">  

Thread Locked

because no one has posted on it for the last 6202 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

I'll be following this thread closely Stephany, as I am also in NI!

I'm going to try and break my claims up into £2k chunks, as advised. I really want to bite them, get every single penny back and then give the fingers out the car window each time I drive past a Halifleece branch, haha!

Link to post
Share on other sites

I have decided to go for a civil bill, it costs £140 but i think if i have read things right, we can get this back, because of the benefits we are on, it means at least doing it all in one go! less hassle,

but will keep everyone up to date!

Link to post
Share on other sites

Stephany. :p

Are you sure the court charges are £140. I thought they were several hundred pounds. I am at the same stage as you from NI but my head is spinning. I have read so many messages and questions and answers I have BRAIN OVERLOAD!!!Every time I decide what route to take I read up on this site and certain things change my mind. I was going to go the Civil Bill way but all that money(£700) put me off as I just don't have it. Then I was going to split my claim but I'm nervous incase the courts say no more claiming and put a stop to it. Then the option came up for claiming in England and I'm waiting to hear if I can use that option from a friend. But after reading your message about civil bill I'm back to maybe using this option as it would be easier keeping everything at home!!! But is it cheaper for you as you are on benefits or is this what everyone will be charged. Ahhhhhhhh DONT KNOW WHAT TO DO!!!!!!!!!!!!!!!!!!! I REALLY CAN'T THINK ANYMORE. MAYBE I SHOULD CHANGE MY HAIR COLOUR FROM BLONDE TO ANY OTHER COLOUR...... THEN MAYBE I WOULD BE ABLE TO THINK CLEARER. I FEEL AS THOUGH MY BRAIN IS ABOUT TO EXPLODE!!!!!! HELP PLEASE. :eek: :eek: :eek:

CATHY.

Link to post
Share on other sites

Now not sure, going to go to the court house today to find out, head is fried, if it is £140 and we can round that because of benefits then great, if not might have to do the splitting thing, worse still my laptop broke down again so back on hubbies, groan, need some good news now!

Link to post
Share on other sites

Ok

Went to my local county court who told me i cannot split a claim and told me that for a civil bill i had to have a solicitor, the money online site looks perfect but is only suitable for England and Wales, not Northern Ireland! so how do i proceed? the total money i am claiming is £5979.98, and then there is the 8%, you know there is a reason i failed maths G.C.S.E, coz i am rubbish at maths, do i add the 8% on top of the £5979.98? or only from the spreadsheet? and the spreadsheet does not have enough room for me to put in all the charges, i am completly confused and lost, i want to claim all the money back, but don't know how best to go forward,

please advise?

Link to post
Share on other sites

Stephany.

Cathy here....... I am where you are now. Now this is what I know. Spoke to my solicitor he has given me some input of the court system.

1. He thought that splitting the cost in court, would be a misuse of court proceedure and the judge might not take too kindly to going through court hearings twice.(although it's a risk you have to take if you want to chance it.)

2. Going across the water to England to a court there but then again he felt that because this was an issue in Belfast that he thought that maybe court proceedings should go ahead here not England.

3. So this only leaves me with option 3. Which is the Civil Bill. Now this will cost a few hundred pounds in court fees (compared to £62 in small claims)not to mention solicitors fees. I feel I have no other choice but to take this road and now I have to win this or I have to pay alot of money. A chance to take but I would rather do that than possibly lose the 2nd claim by a judge not allowing me to go ahead.

Will be speaking to solicitor tomorrow and hopefully will have more info for you then if you want it.

Cathy.

Link to post
Share on other sites

Sorry Stephany forgot to say.... When you were doing your spreadsheet did it not automaticallly calculate your 8% for you when you highlighted the interest column. With your £5,000 + add the 8% on to it which will bring you well over the £6,000 mark. I think the Civil Bill is the way you have to go. It's too much money to split and you dont want to get rapped over the knuckles for wasting court time. ( Well sorry... I couldn't but if you feel "bugger it" then you go for it and you never know things could work out very very well.

BUT ONLY YOU CAN DECIDE AT THE END OF THE DAY WHAT TO DO. IT'S YOUR CHOICE MAYBE ASK FAMILY AND FRIENDS WHAT THEY THINK AND OF COURSE THERE'S ALWAYS YOUR FRIENDS HERE.

Keep in Touch.

Cathy.:-)

Link to post
Share on other sites

I have decided to take my chance and go through the small claims court online. I will split the claim into three and only proceed with the next one after the first is completed.

It may not be the course of everyone, but after talking to my solicitor, a civil bill takes ages and costs a fortune, we are moving to Oz hopefully in 3-4 months, i don't have ages, will get back what i can and hope for the best. Here goes!

Link to post
Share on other sites

Hi again.

I spoke to my solicitor today and he can't work for me as his company has defended Halifax in the past so can't go against them now. Standard solicitor practice apparently. Nothing ever goes smoothly for me, typical!!!!! So I too have decided to split the claim. Letters going off tomorrow. Good Luck. Will be in touch.

Cathy. :-)

Link to post
Share on other sites

Guest bluecloud

What an absolute load of cow poo!

 

A solicitor can work from whomever he chooses (as long as he doesn't represent both parties in the same matter). It's more likely that if he takes on a client filing against the Halifax he is unlikely to get much more work from them.

 

 

.

Link to post
Share on other sites

BLUECLOUD, That could be a great idea.... SEND MY SOLICITOR A PILE OF COW POO, SEEING HE LIKES TALKING IT SOO MUCH!!!!!!!! ONLY JOKING. :grin:

NO REALLY I WASN'T SURE IF HE WAS TRYING TO GET OUT OF IT OR NOT. NOW I KNOW HE WAS. MY SISTER EVEN SAID THAT SOUNDED FUNNY!! I am still very innocent with all this crap I'm told. He also told me not to split my claim, so I went out today and did the opposite he said and SENT OFF MY 1st CLAIM, (AT LONG LAST ;) ;) ;). )

HE IS NOW OFFICIALLY BEEN STRUCK OFF MY PHONE LIST. (No Christmas Card for him this year!!!)

FINGERS CROSSED EVERONE. WILL KEEP YOU POSTED.

NOW KNOWN AS (CATHY THE GULLIBLE.) :lol: :lol:

Link to post
Share on other sites

Hey Cathy the gullible! finally, I am not the only one who is gullible, must come from a deep sense of always wanting to give people the benefit of the doubt, the hard part is realising people are talking poo, without getting cynical!

Here's to you and me, getting every penny back!! lol

Link to post
Share on other sites

YOU ARE SOOOOOO RIGHT.(maybe it's a blonde thing!!!! but I like to think it's what you said we like to see the goodness in everyone.)

YOU GO GIRL. Let's start this money rolling our way for a change.

Nothing to do now for a couple of weeks but wait, read up and get ready for the next stage.

GOOD LUCK STEPHANY, WILL BE IN TOUCH.

CATHY :p

  • Haha 1
Link to post
Share on other sites

  • 5 months later...

How did the split the claim matter end up?

 

I've a claim over £3000 against woolrich/barking barclays and am in the difficult choice zone of what next? Splitting doesn't sit well as it is tantamount to abuse of process but hey! Isn't having huge costs and having to use a solicitor abuse of citizens???

Link to post
Share on other sites

How did the split the claim matter end up?

 

I've a claim over £3000 against woolrich/barking barclays and am in the difficult choice zone of what next? Splitting doesn't sit well as it is tantamount to abuse of process but hey! Isn't having huge costs and having to use a solicitor abuse of citizens???

 

Don't know yet, still waiting for an outcome!

hopefully will know some thing soon looking forward to getting more money from the Halifax!

Link to post
Share on other sites

Hi Stephany. I too am here in Norn Iron. I filed my online money claim with NIcourts service and Halifax had until 5th May to respond otherwise a decree absolute would be issued by the courts. Today I got a letter offering me a partial refund of £785. I phoned and said I want the full ammount and they gave it to me. Job done.....good luck!

Link to post
Share on other sites

Hi

I tried phoning them too before i put the claim in, since i had already got one claim paid by them, but they said to go through the courts, so i have, seems a bit silly to me, coz it will cost them more to go through the court, but hey their loss, my gain!

They have until the 20th April to respond.

Link to post
Share on other sites

  • 2 weeks later...

Hi everyone. It's been a while since I've been on. So at the moment here's how things stand.

I have already split my claim twice and I am in the process of submitting my 3rd claim. You would think that after me getting 2 sucessful claims that they would learn from this but Nooooooo they are still sending me letters. So when the letters stop I will be claiming for the 3rd time. (Thank goodness that you can just go straight to the court stage.)

Hope everyone is getting on ok with their claims and keep in touch. This will diffently finish me with Halifax and then I will start with the Northern Bank and possibly my credit cards. Although I know someone who tried to claim back their credit card charges and they would only pay half the charges and they wouldn't budge on that. Has anyone else had problems with credit card charges?

Link to post
Share on other sites

  • 2 weeks later...

Hi all, i hope this is the right place to post!

 

RBS submitted a defence yesterday and i have subsequently received details from Cobbetts (i assume their solicitors) of the defence and a request for further information form. In the defence it states that 'No admissions are made as to what charges have been debited to the claimant's bank account', and also states that 'The claimant refers under paragraph 3 of the particulars of claim to having provided the defendant with a copy of the list of charges. The defendant has not yet received a copy of this list. The claimant therefore put to strict proof of each and every charge the subject of the claim and must identify in respect of each charge (a) the date the same was debited, (b) the amount of the same and © the description applied to the charge'.

This is rubbish because i obviously sent them a list of charges with dates (but not the description of the charge, does this matter?), so do i need to send it off again or is this a delaying tactic? Where do i go from here? Has anyone had to deal with the same thing? :confused:

Thanks

Link to post
Share on other sites

  • 1 month later...

I had a business for almost 10 years and had a business ACC with FIRST TRUST i have been reading so many threads and i am soo confused!

 

Having a business ACC i had all my statements anyway but thought i would ring them to get a summary of all my charges but as usual there co-operation was poor:evil: , so i went threw all my bank charges and to my shock its almost 15GRAND CRIPES!!!!:shock: :shock: :shock:

 

So i sent the standard letter to the bank requesting this money be refunded to me! I got the usual bull***t letter from them it could take up to 8weeks! Basically im rather strapped at the minute well i mean pure skint and i was wondering how i could speed up this 8week (there timescale) and what would be the best line of attack CIVIL BILL several small claims for under 2grand each???????

 

Any suggestions welcome PLEASE HELP

Link to post
Share on other sites

  • Recently Browsing   0 Caggers

    • No registered users viewing this page.

  • Have we helped you ...?


×
×
  • Create New...