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    • Paint is a free programme on any Windows PC. But don't worry, the choice here is not either perfection or nothing. As you say, use your scanner, save the file ... and then use the "choose files" option when you post to CAG to add the file. We can do all the redacting and converting to the correct file type at this end.  The important thing is just to get the info to us. Why not do an experiment this afternoon and see if the above works?  
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    • thought for the day "Prime ministers need a big strategy that tells you where you’re going, you need a bunch of tactics that get you there, and you need the ability to take everybody else with you."   Now I know you are all thinking 'why is the  UKs destination Rwanda ???
    • Asset Link filed for a default CCJ against me, in relation to an old Barclaycard debt which I apparently signed an agreement for back in 2000.   I did not own a Barclaycard in 2000 so I know this is not true.  The CCJ notice was sent to an old address so I did not receive it.  Years later when I found out about the CCJ when I applied for credit, I put an application in to have the CCJ set aside.   As part of the set aside case, I was asked by the judge to provide a draft defence, should the CCJ be set aside.   The defence I provided was that I did not admit to the debt as I had not been provided with any evidence of an original loan agreement.   I won the case and the CCJ was set aside.   Link then filed to court again to make me pay the debt.   We both filed directions questionnaires and the judge allocated the claim to the small claims track.   As part of the directions, additional directions given were as follows ' Additional Directions in a claim for an Assigned Debt - Because the claim is in respect of an assigned debt the Court makes the following directions for the management of claim.  The claim shall be automatically struck out at 4pm on 3 April 2024 unless, before that time, the Claimant delivers to the Court and to the Defendant the following documents'  It then listed various documents such as an original agreement, deed of assignment, notice of default, statement of account setting out how the alleged debt accrued under that agreement etc.     The Claimant failed to provide these documents within the deadline provided and instead I received a copy of a bundle of documents provided by them in preparation for the court date, this was received weeks after the deadline.    I have called the Court to ask if it has been automatically struck out and they advised that it is not automatic and that I should still send my witness statement by the deadline provided, which is Wednesday.  This does not give me much time to prepare my witness statement.   I have never done anything like this before and I am unclear what my witness statement should include.  My thoughts were that I should keep it simple and stick to the facts, like the fact thy have not provided evidence of the original agreement, or the deed of assignment of the debt.   They have provided a copy of a default notice from Baclaycard dated 2015, this states a figure of £550 but the debt they say I owe is £10k.   I am not sure what makes a valid default notice?   I have previously requested proof of the debt from Barclaycard directly and have evidence of emails between us where they have been unable to provide me with the agreement or any documents at all relating to the debt.   Should I include these as an appendix?  Are there any other documents I should include in my bundle?    I have also tried to mediate with the claimants, to save the court costs and time, on a without prejudice basis, but the claimants solicitors refused to mediate.   Should i state this in my witness statement too to show the judge that I have been reasonable and they haven't? Many thanks   Louise
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      OT APPROVED, 365MC637, FAROOQ, EVRi, 12.07.23 (BRENT) - J v4.pdf
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Cowboy builders ... advise on what to do pls


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HELLO your advice would be highly appreciated please as I don't know how to handle this ..

 

Late last year, we had a guy knocked at our door and proposed to fix our driveway, we told him we couldn't afford it as we were getting our windows replaced in a couple of weeks. . He said we could spread payments that he understands besides he has many people owing him anyway that he knows we would eventually balance him .. he said it would cost £1800 , bear in mind that we already had the cobbles kept in our garden which we agreed would be for half part of the drive way.

 

He came 1 week earlier than scheduled! ! We just heard a loud machine outside our window. . Anyway he completed the job the following day.. to our utmost surprise he demanded for his total money!! Face changed.. no more jokes level .. we reminded him of our 6 months payment. . Anyway we paid him £800 because we had the money that day and mainly to reduce the balance. .

 

 

Then he started calling almost everyday, demanding for his balance, sometimes turning up at our door uninvited. . We paid him another £500 ..

 

But then we noticed grasses growing out of the oobbles laid part! He gave us 5 year Warranty. . Also the edge of the pavement was patched with cement instead of coal tar .. we told him that the 6 months ends at the end of March 2016 and of course not paying until he fixes the problems .. He started threatening to come over and remove bricks ... at this point I had to report to the police ... and then he called us back that the police can't stop him because it is a civil case .. then he said he is a GYPSY that he would bring his gang ( his words ) to remove the bricks .. at this point I got very jittery. . I ve got 3 young kids 7, 5 and 21 months and live in Essex. . I called the police again and they assured me to call them if he shows up with any problems. . ( I never had any personal issues with travellers in fact I always stood up for them at work .. but now ... :( )

 

Anyways I told him on one of his numerous calls that he has no right to step on my property uninvited and that would be trespassing I called his bluffs !

 

Then he called one day to fix the patch , apparently there was no membrane under the cobbles! They just dug up soil and spread the cobbles directly on it .. I questioned this cos all he wanted to do was ask his boys to just pick the weeds.. he went off to get the membrane and ask the boys to fix it .

 

 

Then I asked his boys why they were topping up the grasses on the edge round the pavement with coal tar .. they told me the heat would kill the grass .. less than 2 weeks now grasses are sprouting through the coal tar in fact it is unbelievable within a short period of time ..

 

I got a call from the police for update of which I explained the situation, they told me to call them when he comes for his balance at the end of the month. . To my shock, the police called and left a message for me yesterday that because the builder is making EFFORTS the case would now be dropped and filed..

 

I wish I could upload a photo to show the grasses. . I think it is unfair for me to just cough up £500 balance just like that .. please what do I do ?

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You need to report this again to the police and make a statement ect

 

The job is not to standard

How has this been paid for so far cash I expect!

 

Sounds like the drive way will not last too long as it is

If i have helped in any way hit my star.

any advice given is based on experience and learnt from this site :-)

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Thanks for your comment. . The first payment of £800.00 was Card although they pressed for cash .. the 2nd £500.00 was cash .. he told me he would want his £500 balance by cash ..

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Oh really ! Yes it was a credit card ... but how do I stress on this 5 years warranty pls ? I do have an Inovice with the warranty and their name .. I ve searched for it on Web check but could not find it .. they have a website though. . And I am really worried of them fighting dirty with me because he said he is a traveller ..

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