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    • Let me start by saying I feel tremendous regret, shame and remorse. I have some debt and personal life has fallen apart over the last year which has caused me to be careless. Doesn’t make it okay I know. In a positive way, i will never take anything in life for granted ever again. I want to volunteer and go back to being a good person. I need some advice/reassurance on the below so I can move on better from this experience. A few days ago I was caught at sainsburys, I paid for part of the food (about £5) and didn’t pay for the other (about £8-10) at self checkout. when I got to the exit someone in plain clothes asked to see my receipt and bag and that they worked for mitie. I told him the receipt was in the store bin (true) and he said he followed me round and knows I didn’t pay for all of it. he very sternly but calmly said he just needs my name then I can leave with the shopping. I said i am in a bad day and can’t do this and was on the verge of breaking down. So I handed him the shopping and slowly walked out. No name given (I read elsewhere this is good and makes it unlikely to develop) and I have no way knowing if police contacted. I overthink a lot and I wonder if they can track me via debit card or nectar card on the transaction. I also wonder if they saw me do it last month and have been waiting for me. I know someone who works at their head office and terrified somehow it will get back. I’m also terrified of being recognised in the street.    I don’t know what’s going to happen. I see a lot in the news today about shoplifting 
    • Hi, I’ve just spotted an Arrangement to Pay marker (TransUnion) on my Barclays Mortgage account for 1 month in March 2022. I’ve spoken to Barclays Customer Service and Complaints about this and they’ve given me some background but have closed my complaint: Direct Debit for mortgage bounced in February and I didn’t notice this at the time. Realised there were arrears in March and called customer service straight away. Offered to pay half the arrears on the call with the other half of the arrears the following month. I prob suggested or accepted this as had done that many years previously when I was a poor student with no adverse consequences. Paid in accordance with this. Barclays call notes report they informed me credit reference agencies would be notified and I indicated I understood. However, complaints team couldn’t access the call because it was too old. They advised I could request a transcript through GDPR and complain via ombudsman if still unhappy - I’ll process the GDPR request this week. Whilst it may be factual that I entered into some kind of arrangement regarding the arrears, it wasn’t clear to me that they would be treating it and reporting it as a formal payment plan along with the potential consequences of this. At no point did I agree to or request to “reducing my contractual payments” - I paid my contractual amount for March and April with 50% more on top. I guess it’s likely they did say something vague about credit reference agencies and it’s also possible that I may have agreed without fully understanding it would be different to a late payment marker. I’m not 100% sure of the impact of the AP but I believe it did tighten up balance transfer and new card offers (Lloyds group in particular) even though the rest of my report is spotless and I have many years managing multiple high balance cards. Although it may have been less comfortable, I also believe I had the means to pay the balance in full if I’d realised the impact at the time. Finally, it feels like Ive been penalised for speaking to customer services directly rather than just upping my payments to cover the arrears. Historically, I was under the impression that Barclays mortgages weren’t even reporting arrears of less than 2-3 months as late payments - although this may have changed since the last time I was in arrears. I’ve had a browse through threads about AP markers and it seems like removal is unlikely if it’s deemed factual but it may be worthwhile escalating to FOS or ICO? Will update with transcript details once I’ve raised and received a response to my request. I suppose the upside of this is that I’ll be even more cautious about negative markers in the future. Thanks, J
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Derby Car Centre Ltd/Pride Park - Vehicle Not Fit For Purpose***Judgment/paid in Full***


Laura Cooke
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Ok we do that send witness statement before the hearing understand what you are saying thanks Andy interestingly Trading Standards have just rang me they said they cannot go into too much detail but the are investigating the behaviour of the director towards customers as they believe he as breached his court order which carries a 2 year prison sentence they said many witnesses have come forward and there is a pattern to everyone's case.

 

I appreciate your advice and help Andy and sorry to question everything but when your up against an unscrupulous man like this I need to get it right, Trading Standards said they cannot see a Judge willing to rule in his favour I sincerely hope not

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Absolutely question everything...I would do the same...but I can only stand on my reputation/post count since 2007 and success achieved over the years advising posters on CAG:-)

We could do with some help from you.

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You refer and attach anything and everything since Defult judgment...the first set a side failure......the Writ and reciept of payment etc...costs...etc..and dont forget to conclude with a further request for costs for this fresh hearing.

We could do with some help from you.

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Post up your intended draft before submitting Laura and I will give it the once over.

We could do with some help from you.

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Been reading up on the Litigation in Person feel my relative will be at an unfair advantage as he now as a solicitor for the next hearing who is allowed to speak whereas McKenzie Person is not allowed to speak.

 

It also says on the Litigation in Person site witness statement as to be done in a correct way how do I match the professional one done at a solicitors office how can we fight against a solicitor? yet we could not really afford one of our own.

 

When do you send copies of this witness statement and who to? the Defendant or their Solicitor.

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Send the statement to the solicitor if they are now acting for the Defendant. Send a copy to the Court too. The Court Order will tell you when to do it.

 

There are plenty of examples online for the format of the witness statement. It needs a Court heading and numbered paragraphs etc but most importantly to be signed with a Statement of Truth.

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Been reading up on the Litigation in Person feel my relative will be at an unfair advantage as he now as a solicitor for the next hearing who is allowed to speak whereas McKenzie Person is not allowed to speak.

 

It also says on the Litigation in Person site witness statement as to be done in a correct way how do I match the professional one done at a solicitors office how can we fight against a solicitor? yet we could not really afford one of our own.

 

When do you send copies of this witness statement and who to? the Defendant or their Solicitor.

 

You really need to stop looking at these sites Laura...it really is simple to overcome this.

 

Andy

We could do with some help from you.

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Andy

 

I am on the understanding that things have to be done a certain way the judge said this at last hearing.

 

I am keen to get it right so reading everything I can not one person as ever told me if you are allowed to address the court on bealf of the applicant I would be mortified to do so to be told I have no rights to as my relative would then be at the mercy of the judge and would not have a clue what to say.

 

Only things I am sure about his any witness statement I do as to be sent to the defendants solicitor at least 7 days beofre the hearing and a copy to the court.

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Have you not already been to a hearing with this case?

We could do with some help from you.

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Yes went to hearing one of the defendants did not turn up other was refused an audience with the court and refused leave to appeal then the witness who filed to show as been to a solicitor and put another application in to request relief from sanctions and to get the judgement overturned on grounds I should not have named one of the defendants as they are a sole director of a Ltd company. So he as got a solicitor this time and this time he will have to attend and I am to put a witness statement in if I object to this hearing

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Yes Laura I know all the history ..I have been advising you :-)

 

So you know the setting...I assume you spoke at the last hearing ? Set a side hearings are simply that to decide if the judgment should be set a side...its not a trial ...will last 30 mins tops...he will read your WS and the applicants WS then come to a decision ...he may grunt a few time in between this process...but will only address the Claimant...you can support/sit with the claimant...even whisper information and prompt...depends how much of a stickler the DJ presiding is.

 

So a good WS is key and you should have no problem.

We could do with some help from you.

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No never spoke at the last hearing as Judge did not want to speak to the applicant he just wanted to speak to the one of the defendants to tell them they had no right of audience and that the other defendant should have been there as he made the application.

 

I have good evidence and all put in order it is setting it out that I worry about. Nice to have a copy of the court order from Trading Standards which runs till the end of this year which states one of the defendants will be in contempt of court if they do not abide by the order, I am told this as been breached with how my relative as been treated for the last 14 months so they going to have him back in court which can carry a 2 year prison sentence.

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Well to be honest the criminal aspects will not be taken into account, this is a civil matter...this is about your claim and them not paying...black and white to a judge.

 

Any news on the payments...Judgment and costs?

We could do with some help from you.

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High Court Enforcement were sending payment today for the judgement in November. Still not rang the courts to see if defendant paid court costs for last hearing this month Judge awarded us costs for attending knowing this defendant he will have ignored the court order to pay these costs to us

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  • 2 months later...

Update went back to court Director of the company sent legal representation and true to form he did not attend, as I understand it from witness statements I have he never shows at court, I assume he will do when he as to appear for breaching his court order by Trading Standards.

 

Director of company his solicitor asked if we wouldn`t mind claryfying a couple of points in a private room was left speechless the solicitor started with "The Director did not agree to you placing vehicle in storage he wants you to reimburse someof this back to him, he also wants you to agree to a gagging order not to speak on social media about him etc, he also wants you to afree to remove Judgment from him and from the company"

 

I pointed out just in case the solicitor as confused that it was us that won the case not the other way round and that monies had been paid back out, the solicitor said that the Judge would not be able to remove one Judgement without the other and I said I could not see why not the solicitor then said that all monies would have to be paid back into court and that a tiral would take place which would be costly to us, we said we would take our chances with the Judge as all we was aware that would happen would be that the Director would have his Judgement removed.

 

The Judge was not happy with the solicitor and said all monies had been paid and asked what it was that the soliciotrs expected, the Judge removed Judgement off the Director and wrote out the order to cover all loop holes to prevent him wasting our time again in court, again was awarded costs but he never paid them from the last appearance.

 

Was advised to send a copy of log book for the vehicle to the defendants solicitors and to send log book to dvla which we did and today received notification vehicle is no longer ours.

 

On our return home a schedule of costs had been sent us from defendants solicitors which read "Costs before the hearing tomorrow" could not understand it and over £4,000 let trading standards know they were most annoyed and said they strongly advised us to make an official complaint about this to SRA they said in their opinion these solicitors had over stepped the mark we had won the case not lost it and this would be frowned upon sending us the costs.

 

So this whole sorry saga must have cost the Director of the company in excess of £10,000 when all we wanted was a refund for the vehicle of £2995 what was paid for the vehicle. The Judge said he must enjoy wasting money. I did not need permission of the court to act as Mckenzie friend and was allowed to speak freely.

 

The sheer arrogance of the Director who was determined to carry on with his vindictiveness has cost him & his company 3 times more than it would have done had he engaged with his customer instead of going to great lengths to avoid the issue, as I said to his solicitor if he dealt with his customers instead of ignoring them and had he attempted to correctly defend in court instead of sending someone to respresent him at the set aside hearing who had no right of audience then he probably would not be where hese ended up with this case, having said that the Judge in the set aside hearing said an appeal was refused on the grounds it had little or no chance of success.

 

This case will feature soon on tv I assume but of course it will now only feature the company and not the Director as our contract was with the company.

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I wasn't aware that this was back in court Laura...still it sounds all is resolved now.

 

Regards

 

Andy

We could do with some help from you.

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Thought you knew Andy it was going back as the Director put an application in after the set aside hearing was struck out he wanted an immediate stay on the execution of the warrant a Judge refused this and anyway High Court Sheriffs had already executed the warrant.

 

And he wanted relief from sanctions.

 

You told me to sort out a witness statement which I did and sent it to the court and defendants solicitor. I was going to let you look over it which you asked me to do but just sent it in the end.

 

Thanks for the support.

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  • 1 month later...

any update on when this is going to be on? time they were closed down,

R.I.P my beautiful grey ghost, gone but never forgotten, taken so suddenly, 04/07/2004 ~ ~ 02/03/2017

Gone but never forgotten,Little Miss Sunshine, Alisha Marie. 15/12/2005 ~ ~ 13/02/2006

Our  beloved Dalmatian Jazz,  gone to join Wal at Rainbow Bridge, hope you are now pain free .  20/9/2005 ~ ~ 24/3/2019

 

 

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There is a big problem with the way businesses are controlled in the UK. They can shut him down if they wish, all he has to do, and probably will, is to put the business in the name of a relative and they become the 'named' director

but he carries on running the business.

It's a win win for businesses in this country.

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