Jump to content


  • Tweets

  • Posts

    • Not really. I just wrote it based upon my credit file data with screenshots and stuff.  Also referring to multiple data points. You need to read before sending or writing it.    I have plenty of experience in this stuff so takes me half hour to write something like this. For you itll take an afternoon probably. An additional day with it on your CRA wont cause a problem.     Reference Material; ICO Credit File Guide - https://ico.org.uk/media/your-data-matters/documents/1282/credit-explained-dp- guidance.pdf ICO Main Page For Credit - https://ico.org.uk/for-the-public/credit/ CMF Limitation Act 1980 - https://www.checkmyfile.com/articles/the-limitation-act-1980-and-debt-time-limits.htm Gov Limitations Act 1980 - https://www.legislation.gov.uk/ukpga/1980/58/2023-11-18 (Latest Version) Transunion 6 Years - https://www.transunion.co.uk/consumer/credit-report-help/how-long-does-information-stay-on-my-credit-report-for Equifax 6 Years - https://help.equifax.co.uk/EquifaxOnlineHelp/s/article/Howlongdoesadefaultedorsettledaccountstayinmyreport Experian 6 Years - https://www.experian.co.uk/consumer/guides/defaults.html#:~:text=A default will stay on,you still%20owe%20them%20money
    • Thanks fkofilee , by any chance is there a templete for guidance that i could use to help me write the complaint?
    • Hi everyone,  There were many topics on this issue in the past. May I please have an update if anyone managed to buy or sell the house with the leasehold air space on it? would the bank lend the mortgage?  If I was not informed about the complications when selling the house. instead, they told me that this would add value to the house and sell faster which is the opposite. Can I file the case and dispute it for mis-sold and misrepresentation?  I am in the year 9th and I was not aware of the issue until I wanted to sell my house. There has been no communication since I signed the contract. The company has never contacted or updated me on how much energy the panels generated how much I used etc.    This is a free panel from the government schemes, run by  Freetricity.   Thank you   
    • All together.   
    • should i copy them in the same email or seperatley ?
  • 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

Customer issued court proceedings against us (small family run garage)


Emz0305
style="text-align: center;">  

Thread Locked

because no one has posted on it for the last 3635 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

Thanks Mike, I'll go with that. I think I'll leave posting until 2moz now. First class recorded should be sufficient to get it to the court by Tuesday shouldn't it?

 

I think so, 1st class is deemed served 2 business days after posting anyway

Link to post
Share on other sites

  • Replies 414
  • Created
  • Last Reply

Top Posters In This Topic

Top Posters In This Topic

All printed out and ready to go. I added into the defence that the defendant believes that an independent report post repair would be pointless. Don't see the point in paying for a report that wouldn't prove anything as they wouldn't be able to inspect the vehicle before it was stripped of all the parts etc. Really not sure how anyone could agree with the claimant on liability. Can't quite believe this claim has even been accepted by the court. It's a waiting game now.

 

What will happen now? Will a decision be made if there is a case to answer? How does it work?

Link to post
Share on other sites

Often claims are not serioulsy looked at (by a Judge) therefore all sorts of rubbish can get through in the early stages.

 

There are two elements here, one is that it is important for claims to strictly comply with the CPR and if they are not they should be struck out or sanctions applied (See the Mitchell Plebgate case referenced earlier) but on the other hand it is important that everyone has a chance of justice, LiP's often make lots of mistakes so the court can be quite forgiving (as theyve shown lots of leeway to the Claimant here).

 

Personally I cant see the case or any parts being struck out, there might be further directions regarding evidence or an experts report..but lets hope not. It will prob just go to a full hearing which might mean more money for the claimant (the hearing fee) and I cant see how the Claimant has any prospect of winning.

Link to post
Share on other sites

I wish my dad shared your optimism Andy, but he's always thinking the worst. Just hope it's over soon for him as this is starting to affect his health, he's started smoking again after having gave up a couple of years ago, and he's also at the moment going through a house move and having stress over that too. He just can't wait for it all to be finished with. I'm just glad I knew to come here for help. This forum helped me win back a couple of thousand from Barclays years ago. The advice and support you get on here is brilliant. :) Any Ideas how I can retrieve my old account? Forgot password and the email address that I used to set it up is long gone.

Link to post
Share on other sites

No need to worry, the very worst that could hapen is that he loses and has to pay out a few hundred quid, not a huge loss, dont forget that mediation could be offered, and you are always free to make a Without Prejudice Offer, offer the claimant perhaps £50 or so for the whole thing to be dropped, its upto you or just let the process continue as from what Ive seen I have every confidence that you will win.

Link to post
Share on other sites

  • 2 weeks later...

Received last week, 'Notice of Proposed Allocation to the Small Claims Track'.

 

Just about to get Directions Questionnaire filled in and sent off. Looks like its going to a full hearing then, no point in mediation.

 

Is there anything in particular I need to include on the Questionnaire? It looks pretty straightforward enough.

Link to post
Share on other sites

Mediation is the first question on the DQ.Claim does not proceed if both parties agree.

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

Both parties are expected to participate in mediation irrespective......if he opts out then it will be considered as and when costs are decided.

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

Absolutely it shows your amicable to narrowing your differences and trying to settle to avoid court exposure....+brownie points:wink:

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 agree that mediation prob wont bring any results, but its worth doing you could perhaps offer a low amount say under £50 and he might agree to that, if not, just carry on to full hearing.

 

Ive done mediation once and got a bit less than I wanted £375 I think as oppossed to £500 so I was happy.

Link to post
Share on other sites

I agree that mediation prob wont bring any results, but its worth doing you could perhaps offer a low amount say under £50 and he might agree to that, if not, just carry on to full hearing.

 

Ive done mediation once and got a bit less than I wanted £375 I think as oppossed to £500 so I was happy.

 

I'm sure his claim is somewhere around the £1500 mark, maybe more not sure as he's not really made it clear in his particulars how much he's actually trying to claim lol. Highly doubt he would be happy with £50.

Link to post
Share on other sites

Prob not, but if he loses, he could end up getting nothing and paying your costs (any fees and time of work £90 or whatever, if it wasnt small claims than the costs could be thousands).

 

Dont forget you can always write and point out how strong your case is and offer to settle, any mount from you to him or him to you just mark letter Without Prejudice Save As To Costs.

 

Quite often this to and fro-ing and offering to settle is an important part (it gets even complex if you can use CPR 36, but this doesnt apply here).

Link to post
Share on other sites

Emz, these things are always stressful. Mostly the stress comes from having to deal with something new and unfamiliar. In reality it isn't that bad and there is no need to be fearful. Once you've done a couple, whether in a professional or amateur capacity, the fear evaporates. These days I see court hearings as a nice opportunity to get away from the office. I think your dad should try to aim for a similar attitude.

 

The idea is to be fully prepared for the hearing with all your evidence, and be ready to clearly explain your case to the judge in a logical and concise manner. Once you have done that it is in the judge's hands. The risk of going to court in small claims track is quite small since there is generally no award of legal costs in SCT.

PLEASE HELP US TO KEEP THIS SITE RUNNING

EVERY POUND DONATED WILL HELP US TO KEEP HELPING OTHERS

 

Link to post
Share on other sites

  • 4 weeks later...

Update.

 

As we'd not heard anything from the court or the claimant since we sent our Directions Questionnaire in to the court and served a copy on the claimant, I decided to phone the court today to inform them that the claimant doesn't appear to have served a copy of his directions questionnaire on us.

 

Apparently, according to the court, the Claimant has not even bothered sending his Directions Questionnaire in. It was ordered that by 17th April 2014 Direction Questionnaire had to be filed with the court and a copy served on all parties, and the claimant also by the same date had to pay an allocation fee of £40.

 

The man I spoke to on the phone said that the file will now be sent back up for the judge to make a decision on, but may give the claimant a further 14 days??? Surely this claimant has had ample time?? How much more relief are they going to give?

 

He told me that we could put an application in to try and get a strike out but to make sure we seek advice first to get the wording correct, also to mention the fee's that we have had to pay out for applications and expenses etc.

 

HELP!!!! lol

Link to post
Share on other sites

Beggars belief ....the problem is Emz should you make application (and it really shouldn't require one as it should be automatically imposed by the court) if you got strike out the claimant could be allowed to set a side...and your time is wasted let alone the £55 fee.

 

Wait the further 14 days (have you had notice and when did that date run from) and see if they submit and pay the hearing fee.

 

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

No not had notice as it's not gone back up for the judge to look at it yet, and I'm hoping that he will use his own initiative and strike out the claim knowing how the claimant has took the mickey from day one.

Link to post
Share on other sites

Perhaps he's had a moment of clarity and hoping he can get away without bearing your costs if he keeps his head down..

 

I'd agree with Andy, wait it out and trust the court will strike out of its own volition. If it does your money would be far better spent on an app for costs order.

Link to post
Share on other sites

  • Recently Browsing   0 Caggers

    • No registered users viewing this page.

  • Have we helped you ...?


×
×
  • Create New...