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    • 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?.
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    • 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.

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      OT APPROVED, 365MC637, FAROOQ, EVRi, 12.07.23 (BRENT) - J v4.pdf
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Thanks again Andy, I understand that now. Would it be worth asking for compound interest or do you think that would be pushing it?

I have all the payments that I have made on a spreadsheet which I can post tomorrow. Could you cast your eyes over it to see if I have the working out correct. I could take that with me to court to explain how I have worked it all out if the judge wants to know how I calculated it all.

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Pushing it...... I would be happy to just be recompensed and a little damages award.I have just amended post #74

 

section 69 of the County Courts Act 1984 (power of county courts to award interest on debts and damages)

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Only if it was requested in the Order/Directions after your last hearing.

We could do with some help from you.

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Hi all. I sent in my part 18 reply an hour before the deadline so they wouldnt have much time to reply as I am in court Monday the 10th but it didnt work, they got a letter out to me Friday and I got it today.

Its a copy of proposed directions that theywill be seeking on Monday at The Court Management Conference.

 

Heres the links to the paperwork below. Can someone have a quick look to see if I need to take anything with me on Monday please.

http://i911.photobucket.com/albums/ac318/zentrix9/MR%20VIRGIN%20MNBA/1.jpg

http://i911.photobucket.com/albums/ac318/zentrix9/MR%20VIRGIN%20MNBA/2.jpg

http://i911.photobucket.com/albums/ac318/zentrix9/MR%20VIRGIN%20MNBA/3.jpg

 

They are asking for copies of accounts from the company I was the director in and who I purchased the item from. As this is now a liquidated company I dont have them anymore, I left them in the building when the liquidators took possession.

They also want medical evidence supporting my stress claims.

Looks like they are going to go for a trial now. At the summary judgment the judge found for the claimant but stayed the order until I allowed me to come back and present my argument at the management conference (or is it still a summary judgment?) are Optima scared he may reverse his judgment after hearing my side of the argument and going to go for a trial instead, can I stop them?

I look forward to any coments.

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That's just proposed Directions ZENTRIX .Did you draft any with your AQ?

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Hi Andy, to be honest I dont think that I did, I have the CCA and SAR paperwork and couldnt think of anything else I would need. Do you think I have missed something or think I should ask for something in particular?

 

I think they are going to try and say that I knew that the company was in trouble when I made the purchase and thats why they want the accounts. I dont have them, if i tell the judge do you think that he will accept it? I do have an email from the liquidators saying that all the records were destroyed.

 

I used cards from MBNA and HSBC and claimed back half from HSBC, would it be in my interest to try for the other half from HSBC? Would they make MBNA backoff if I did? If HSBC had to pay the other half would they then go after MBNA for half? Just curious.

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  • 1 month later...

I have had a confirmation letter from the liquidators saying that they have destroyed all the paperwork so they dont have any accounts. They also said Optima contacted them for copies of the accounts and were told the same. Why have they asked me to do the same when they already know they dont have them? are they hoping I would produce them and give them proof I am fibbing? I dont have copies anyway, they were in the factory when the liquidators took charge.

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Yes Z using the N265 then they will request which document they require.

 

You only list any document referred to in your defence or WS and relied upon.

 

Regards

 

Andy

We could do with some help from you.

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Ok, just emailed Optima my N265.

I have 1 other thing to do:-

I have to provide medical evidence relating to my allegations of stress contained within my counterclaim.

 

What should I do, I have been having a lot of trouble sleeping but not been to the doctors to say that it was specifically caused by this case or ask for medication/help. I have just carried on regardless.

Anyone have a suggestion?

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" I have 1 other thing to do:-

I have to provide medical evidence relating to my allegations of stress contained within my counterclaim."

 

Who directed that disclosure Z?

 

Andy

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Hi Andy, there was a case conference where the judge went through the proposed directions from the claimant and threw some things out and amended others, this is one of the things that was left. So as I see it, it wasnt ordered by the judge but he okayed it?

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Judges can only order disclosure from the Claimant in the main...I would disregard it if you cant disclose.

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So long as you have submitted your N265 there is nothing to request an unless order on...only the DJ can demand you supply medical evidence.Their claim does not rise on fall on your medical notes...disregard and ensure that they disclose their claim.

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Ok all done, if I want to inspect or get copies of any paperwork they hold I have to ask them by 4pm on the 15th Feb. Is it best for me to ask for copies of all their documents just to make sure? and do I have to use a specific form to do so?

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Request what you think or need will be usefull...simply request them by way of letter/email.

We could do with some help from you.

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  • 2 weeks later...

Andy, just looking at the court papers sent to me and it says IT IS ORDERED THAT (at the top) The defendant shall provide medical evidence relating to his allegations of stress contained within his counterclaim.

 

Do I need to get a letter from the doctor? I am proper stressed at the moment, not sleeping, my lips are numb and tingly and my left arm throbbing a bit.

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Been to see the doctor tonight, I should be able to collect a letter from the doctor on Tuesday, also told him everything thats going on and how I feel etc and he has prescribed me a course of anti depresents. He agrees that I am suffering from stress.

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I have flagged your post for andyorch to help. However, it looks pretty clear that the Judge has ordered this in order to support your counterclaim.

 

Are you going to be ok with the timing if you are not able to collect the letter until Tuesday ?

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Thanks B, it should have been last week that the letter should have been there but they have given me till Monday 4pm so I will email them a copy of my prescription, that should be proof, then forward the letter from the Doctor as soon as I get it on Tuesday.

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Ah righto - that is good you have the extra leeway.

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

Uploading documents to CAG ** Instructions **

Looking for a draft letter? Use the CAG Library

Dealing with Customer Service Departments? - read the CAG Guide first

1: Making a PPI claim ? - Q & A's and spreadsheets for single premium policy - HERE

2: Take back control of your finances - Debt Diaries

3: Feel Bullied by Creditors or Debt Collectors? Read Here

4: Staying Calm About Debt  Read Here

5: Forum rules - These have been updated - Please Read

BCOBS

1: How can BCOBS protect you from your Banks unfair treatment

2: Does your Bank play fair - You can force your Bank to play Fair with you

3: Banking Conduct of Business Regulations - The Hidden Rules

4: BCOBS and Unfair Treatment - Common Examples of Banks Behaving Badly

5: Fair Treatment for Credit Card Holders and Borrowers - COBS

Advice & opinions given by citizenb are personal, are not endorsed by Consumer Action Group or Bank Action Group, and are offered informally, without prejudice & without liability. Your decisions and actions are your own, and should you be in any doubt, you are advised to seek the opinion of a qualified professional.

PLEASE DO NOT ASK ME TO GIVE ADVICE BY PM - IF YOU PROVIDE A LINK TO YOUR THREAD THEN I WILL BE HAPPY TO OFFER ADVICE THERE:D

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