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    • Looks promising then.  Well done   Dx
    • So a little update.  I sent a complaint to ico and have heard nothing. I just got the general reply email and that's it.  Sat twiddling my thumbs and thought about what I should do next. I searched for the CEO of Studio but then found that he'd left so as keep getting letters from studio about the arrears etc. I thought I'd email the David Twigg. Sent him all the bumpft and a copy of my original complaint and sars request.  Got no response. So didn't know what else to do. Then I thought I'd try through the financial difficulties option on the online form. One last try before I just give up and let them default me.  Then on the 5th June. I got an email from their customer services. That the items that had gone AWOL have all been cancelled. Nothing else on that email, so I had a look in an email account that I don't use anymore and there was an email from the customer service.  That they were sorry for the problems I've had for the last 9 months. That the sars info was emailed to me on 14/04, it wasn't I've kept all spam and deleted emails on that account, they have raised a complaint with their studio pay team regarding the issues, balance dispute, fee's and my credit file. They are hoping to resolve in 3 days but they have upto 56. They also said in regards to my other issues I have to raise a complaint with studio retail but haven't told me how I do that.  The sars info only goes upto the end of December 2023. It has my previous complaints on there but nothing after so I don't know how I get hold of that information. Luckily I've kept copies of every time I've contacted them. Every web chat or social media contact.  Apologies for the extremely long post but I wanted to add everything I could just incase.  I have checked my account balance and it's still minus 900 odd pounds but I'll keep checking to see if it's all cleared and on my credit file.  I'm hoping this is the end of the whole debacle and they close my account because I never want to do this again. Although it's been a learning experience.  Thanks to dx100uk for pointing me in the right direction. Much appreciated.   
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    • If you want to cause DCBL trouble, then complain to the SRA.  It would be even more fun if mystic_bertie would complain at the same time, to show the SRA there is a pattern.
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Advice regarding payment of judgement


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Hi,

 

I'm looking for advice regarding payment of a judgement.

 

My husband had a dispute with someone he did some work for and

a judgement was made against him for a staggering 6k.

 

 

To cut a long and nasty story short,

she played the victim and portrayed him as a bully,

we had representation but it still went against him.

 

 

She just lied and lied and unfortunately the female judge believed her and my husbands 6 ft 4 stature did not help.

 

Very luckily we are in a position ( although loathing it) to pay due to recently downsizing our house and using the money from the sale.

 

I would really appreciate some thoughts about our intended payment method which is to have six thousand pound coins couriered to her address.

 

Can we do this?

 

Many thanks in anticipation for your help / thoughts.

 

Also I have looked into this and worked out that the weight will be in the region of 9 stone!

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I can well understand your frustration if you believe you have been unfairly judged and it is an interesting thought to deliver 6,000 coins to the opposition.. however,

 

You would need to collect 6,000 coins - probably not as easy a task as you might think.

 

1 x £1.00 coins weighs 9.5gm - it is too late in the day for me to work out how much 6,000 would weigh. I just noticed you already did this.. 9 stone.. gulp..

 

You would then need a courier that would carry / deliver.

 

Almost certainly you would need to declare the content to the courier and they would probably want you to take out extra insurance.

 

Might be less stressful to send the cheque and move on.

 

Or.. if you think you have a case and can prove the opposition has lied or the Judge made an error in law, you could appeal the judgment.

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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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I will however ask the legal gurus on the team for you :)

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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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Hi Citizen B,

 

Thank you for getting back to me.

 

The problem with appealing is that it would be difficult to prove her lies,

she is our neighbour and he agreed to work on her house at weekends to complete the front drive at a reduced rate

as he felt sorry for her as her previous builder had let her down.

 

 

There was no real plan, she just used the guys to do jobs as she thought of them.

 

 

She failed to submit her bundle on time,

sent it in after she received ours,

we went to the first hearing and complained that we hadn't had a breakdown of costs,

she was given further time to submit.

 

 

When these arrived she had gone 3k over the original claim but only submitted receipts for £900,

we seem to have been doomed from the start.

 

 

She claimed that the work had been condemned by the building inspector

but in court said 'she had asked her builder to inspect it',

he later turned out to be a joiner!

It just goes on and on, we are exhausted, want it gone.

 

Going back to the coins,

there are some logistical issues and obviously costs,

but it would be a massive headache for her,

 

 

we would have the last word but would it satisfy the judgement

or could it be rejected or have any legal comeback?

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Sounds like a heck of a nightmare - Righto, I understand what you are asking now. I guess also if she is a neighbour, then it wouldn't be too much of a journey to deliver them. !

 

I must admit, I do like the idea and truly hope the legal gurus cannot find any reason why not :lol:

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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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It might not be until later on today or over the weekend that they respond - are you ok for time in paying ?

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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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TBH it breaks our hearts that she will have our money but it has to be done, in her first threatening letter she pointed out that our chattels could be removed! We are so lucky that we made a bit of money when we downsized but now have to give it away - my husband earned less than £1500 on the job!

 

We were so worried what would happen if it went against her that we installed CCTV at our house!

 

Will be over the moon if this is an option.

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The judge ordered that we paid in 14 days and claimant said she didn't want to let us pay in installments as she didn't trust us! We managed to get this increased to 28 days so we can pay on time as we downsized to move next to her!

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You can pay in £1 coins and that's legal:-)

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

 

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Sorry should have said don't understand it

 

 

Coins:

 

Coins are legal tender throughout the United Kingdom for the following amount:

 

£20 - for any amount

 

£5 (Crown) - for any amount

 

£2 - for any amount

 

£1 - for any amount

 

50p - for any amount not exceeding £10

 

25p (Crown) - for any amount not exceeding £10

 

20p - for any amount not exceeding £10

 

10p - for any amount not exceeding £5

 

5p - for any amount not exceeding £5

 

2p - for any amount not exceeding 20p

 

1p - for any amount not exceeding 20p

 

 

 

As you can see, next to the £2.00 - £1.00 coins you can pay any sum in those coins. Whereas for other coins there is a maximum amount.. eg.. you can only tender 20 pence worth of 1p coins.

 

I would so love to be a fly on the wall when your neighbour opens the boxes :lol:

 

Perhaps print off the RM page that ploddertom provided and highlight the £1.00 coin section and enclose it in one of the boxes. .

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3: Banking Conduct of Business Regulations - The Hidden Rules

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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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Its a pity you couldnt use 1ps :lol:

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

 

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Thank you all so much, I too would love to be a fly on the wall when she gets them!

 

I am wondering if you should perhaps have an independent person count them into the packages for you, so she cant claim later that you have short changed her !

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Uploading documents to CAG ** Instructions **

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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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I am wondering if you should perhaps have an independent person count them into the packages for you, so she cant claim later that you have short changed her !

 

I was thinking something similar, how will the OP prove how much she has paid?

 

I understand the OP's position but I would just send a cheque and not be tempted to be petty.

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Get her to sign a receipt, in your presence, or in the prescence of an independant witness.

 

One receipt per coin!

 

Sam

All of these are on behalf of a friend.. Cabot - [There's no CCA!]

CapQuest - [There's no CCA!]

Barclays - Zinc, [There's no CCA!]

Robinson Way - Written off!

NatWest - Written off!

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Thanks for you thoughts on this, I have some time to think it through and realise that there are additional risks and issues which need consideration. She is so evil that I wouldn't put it passed her to claim she had been broken into and point the finger at us on the grounds that we were the only people who knew she had that much money in the house.

 

I'm just so angry and hurt by this - never a favour went unpunished eh!

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Thanks for you thoughts on this, I have some time to think it through and realise that there are additional risks and issues which need consideration. She is so evil that I wouldn't put it passed her to claim she had been broken into and point the finger at us on the grounds that we were the only people who knew she had that much money in the house.

 

I'm just so angry and hurt by this - never a favour went unpunished eh!

 

Yes, I imagine you are and whilst your idea is a good one - and would give you great satisfaction - it does as you say have risks which could backfire on you. Console yourself with the knowledge that you know she has told lies and is a person you wouldn't trust.. that type of person does eventually receive their come uppance. !

 

At least you know not to do her any favours in the future !

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Uploading documents to CAG ** Instructions **

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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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Thank you CitizenB, have to say you have calmed me and I have seen how many people you have helped on this site over the years, you are a star and I hope life is kind to you.

 

Thinking I might send it in Euro's ;)

 

Thanks to everyone and bless you all for the great work you all do on here

Xx

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Thank you CitizenB, have to say you have calmed me and I have seen how many people you have helped on this site over the years, you are a star and I hope life is kind to you.

 

Thinking I might send it in Euro's ;)

 

Thanks to everyone and bless you all for the great work you all do on here

Xx

 

That is kind of you to say so..

 

Euros.. does the conversion work in your favour :lol:

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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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When I had to return £1 coins they all had to be in coinbags of £20 each, then put into another bag which contained 25 x £20 = £500 and only then could I return them. Of course if paying someone that would not necessarily apply but I would certainly deliver them in person and make sure they were counted over correctly even if had to buy a coin counter, alternatively weigh them out - 20 x £1 coin = 190g.

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