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    • Hi Wondered if I could get a little advise please. I entered into a commercial lease (3 years) and within a few months I had to leave as the business I was trading with collapsed. I returned the keys to the landlord and explained the situation and no money, also likely to go on benefits but the landlord stuck to their guns. They have now instructed solicitors to send letter before action claiming just over £4000. The lease was mine and so the debt. I know this. I have emailed the solicitors twice to explain I am out of work and that with help from family I could offer a full and final settlement figure of £1500 or £10pw. This was countered by them with an offer to reduce the debt by £400, or pay off the amount over 12 months. I went back with an improved full and final offer of £2500 or £20pw. This has been rejected with the comment 'papers ready to go to court'. I have no hope of paying the £4000 and so it will have to go to court. Pity as I have no debts otherwise but not working is a killer. I wondered if they take me to court, could I ask for mediation? I also think that taking me to court will result in a pretty much nothing per week payment from my benefits. Are companies just pushing ahead with action even if a better offer is on the table? Thanks for your help.
    • Hi all, Many thanks for the advice! Unfortunately, the reply to the email was as expected…   Starbucks UK Customer Care <[email protected]> Hi xxxxxx, We are sorry to read you received a parking charge after using our Stansted Airport - A120 DT store. Unfortunately, the car park here is managed by MET parking. Both Starbucks and EuroGarages who own and operate this site are not able to help and have no authority to overturn any parking charges received. If you have followed the below terms then you would need to send all correspondence to [email protected], who will be able to assist you further. Several signs around the car park clarify the below terms and conditions: • Maximum stay 60 minutes, whilst the store is open. If the store is closed, pay to park applies. • The car park is for Starbucks customers only who make a purchase in our store, a charge will be issued if you left the site. • If you had made a purchase and required additional time, you must have inputted your registration number into the in store iPad which would have extended your stay up to 3 hours • To park in a disabled bay, you must have displayed a valid disabled badge. • If Starbucks was closed, you must have paid for parking as charges still apply, following signage located on site. • If you didn’t use the store, you must have paid for parking, following signage located on site Please ensure all further correspondence is directed to MET parking at the above email address, and accept our apologies that we cannot help you further on this matter.  Kind Regards,  Lora K  Customer Care Team Leader Starbucks Coffee Company, Building 4 Chiswick Park, London, W4 5YE
    • Thanks HB edited and re-uploaded. Thanks for the heads up 👍
    • Am in the middle of selling my house but it's been held up as still showing a change on the property from welcome finance, have not had any contact from them for years or prime credit and need this sorting asap As far as am aware the loan was paid of some 8 years ago
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Welcome secured loans/charge - sold to Alpha/Prime -repo received - ***Claim Dismissed***


cruzhughes
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Right I’m with you.

 

Do you know what’s baffling me the most Is they get a solictor to travel for almost 3 hours to go to a court hearing miles away. Without disclosing anything to him I’ve sent them since March not to mention the second witness statement.

 

So therefore he knew nothing but was in court on a restored 3rd repo. With no firm evidence.

 

Is that common practice?

And shouldn’t have his legal knowledge stopped him going down this route as he obviously should have realised by his rider that he had limited info and should have been request more docs from alpha.

Plus he would have known that by sending stuff out to me on the 9th it wasn’t allowing much time to get anything back from me

 

I’m still shocked with all the last months events

 

Any why are all the letters I receive headed prime not alpha

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na they just get paid to try and fumble/bluff their way thru and get the home or try and strike a deal before hand

very murky world.

please don't hit Quote...just type we know what we said earlier..

DCA's view debtors as suckers, marks and mugs

NO DCA has ANY legal powers whatsoever on ANY debt no matter what it's Type

and they

are NOT and can NEVER  be BAILIFFS. even if a debt has been to court..

If everyone stopped blindly paying DCA's Tomorrow, their industry would collapse overnight... 

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No wonder the judge was laughing at him then?

I hope the judge gives the company a good ticking off

 

When you got time look at statement I had in the original court docs or their final response to complaint

 

 

28 jan 2014 transfer out IF

28 jan 2014 transfer into SB

 

28 June 15 transfer into SB

28 June 15 transfer out IF

 

What do they mean

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No wonder the judge was laughing at him then?

I hope the judge gives the company a good ticking off

 

When you got time look at statement I had in the original court docs or their final response to complaint

 

 

28 jan 2014 transfer out IF - something FEE £12 penalty charge

28 jan 2014 transfer into SB - transfer into statement balance?

 

28 June 15 transfer into SB

28 June 15 transfer out IF

 

What do they mean

 

 

think

please don't hit Quote...just type we know what we said earlier..

DCA's view debtors as suckers, marks and mugs

NO DCA has ANY legal powers whatsoever on ANY debt no matter what it's Type

and they

are NOT and can NEVER  be BAILIFFS. even if a debt has been to court..

If everyone stopped blindly paying DCA's Tomorrow, their industry would collapse overnight... 

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I missed an I infront of my think

 

wasn't having a go

please don't hit Quote...just type we know what we said earlier..

DCA's view debtors as suckers, marks and mugs

NO DCA has ANY legal powers whatsoever on ANY debt no matter what it's Type

and they

are NOT and can NEVER  be BAILIFFS. even if a debt has been to court..

If everyone stopped blindly paying DCA's Tomorrow, their industry would collapse overnight... 

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I still haven’t received the order from court yet in post.

I’m going to give them a bell.

 

I’m panicking a bit as I am away with work from the 25th so defence has to go in before I go and I need everything from them to show you lot here.

 

Order Posted on Friday so hopefully I’ll have it in tomorrow’s post

 

Is this at all relevant to me and the situation (I) 8

 

http://www.landmarkchambers.co.uk/userfiles/documents/resources/Defences_to_mortgage_possession_claims_RT.pdf

 

http://blogs.lexisnexis.co.uk/randi/how-far-reaching-are-schemes-of-arrangement-re-welcome-financial-services-ltd/

 

 

http://blogs.lexisnexis.co.uk/randi/schemes-of-arrangements-pushing-the-boundaries-of-jurisdiction/

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Emailing you the judgment now.

 

There’s no forms attached for me to file in though.

 

Is anyone helping with this as no one has posted anything for me to answer to go on the defence.

 

I’m not sure what I need to do but I’ve only got 2 days till I go.

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By 2pm 30th jan I must put in a detailed defence and statement of truth to claim send to court and alpha

 

So post the judgment here for all to see...you have already made a start with your detailed statement recently submitted...simply add and amend and fine tune that statement and resubmit.

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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I’m going away to work on the 25th and won’t be back before the courts shut on the 30th.

 

Well you have already had 8 days to make a start ?

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

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Yes I have asked many times what to do as I haven’t a clue. Any template. Do I need to ref case law

 

How do I do detailed defence. Everything is so flawed plus there are other issues within the dispute with this company.

 

The whole debate with the other company before it was sold to these.

 

How can I answer things directly. When I have no questions to follow. Without going off on a tangent.

 

I thought I would have some sort of form with this order what about the counterclaim too

Court order 16th Jan.pdf

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So has the claimant complied with point 2 and served you a complete account of transactions ?

 

A detailed defence is similar to witness statement...simply lay it out on a blank A4 as per your previous statement....if you are making a counter claim then that is included at the end of the statement

 

Upload unapproved your post code and court name still visible.

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

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No I have to put in defence and counterclaim first

 

However The claimant has served me with a statement in the original possession claim in March. And a few revised statments since.

 

No account no on just a statement dating back to August 2008.

 

They took over this loan in oct 2016

 

But the loan agreement I gave in court tues started in 2006 showed as settled in 2007

 

The loan they are claiming is attached to legal charge different account no. The 2006 loan is on top of legal charge not the 2008 one they have statement for

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Ah yes theirs is 21st Feb....so go back to very beginning of this claim from when they filed a claim and start drafting a statement of case (Detailed defence) and bullet point the main points as paragraphs.

 

If you intend counterclaiming as the court seem to suggest that is reserved for the end of the statement.

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

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And what would be the main points?

 

Think me and dx could write a book. Not just a statement :!:

 

Not a clue...not really followed your thread.......but only you are in the best position to explain to the court why their claim should be dismissed.

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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For example in their witness stament to court in jan 2018 that’s all that was in there is

 

Official copy of register

 

2 letters saying follwing transfer of mortgage one to ex wife and one to me at the wrong address. Both Un headed with account no of 2008 loan

 

A direct debit mandate

 

Letters to

Owner occupier

Main mortgage

Head of housing

And very old equitable charge on property

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That means nothing to me...you would better making a start instead of keep posting here....then we have time to look over it before you have to submit......clock is ticking.

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

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Not a clue...not really followed your thread.......but only you are in the best position to explain to the court why their claim should be dismissed.

 

Don’t even go there its bonkers and will take you ages

 

What are good reasons for claims being dismissed and maybe I can work around that whilst elaborating on my witness statement.

 

What about Case laws

 

What evidence do I need too

 

I could have started this last week had I been given this advice then

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upload sorted

please don't hit Quote...just type we know what we said earlier..

DCA's view debtors as suckers, marks and mugs

NO DCA has ANY legal powers whatsoever on ANY debt no matter what it's Type

and they

are NOT and can NEVER  be BAILIFFS. even if a debt has been to court..

If everyone stopped blindly paying DCA's Tomorrow, their industry would collapse overnight... 

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