Jump to content


  • Tweets

  • Posts

    • So I am now in receipt of a second Letter of Claim this time from DCBL although their letter head now says " DCBLegal"  😱 Now I'm guessing one response to a letter of claim is sufficient and I could ignore this but having been inspired by other snotty letters I wanted to have another bash at one. How does this sound? Dear Lackeys of Company with Unconscionable Morals, Thank you ever so much for gracing me with yet another Letter Before Claim on behalf of Excel Parking Services. How many of these delightful missives do you plan on sending before you muster the courage to follow through on your threats to take me to court? Just so we're clear, here is the response (in italics by that I mean the slanted text below) I previously sent to Excel’s Letter Before Claim, in case your attention to detail is as lacking as I suspect: I am currently 2-0 up in terms of Small Claims Court proceedings and I look forward to the opportunity to claim a hat trick, this case being more straightforward than my previous two. I will be asking the court for an unreasonable costs order under CPR 27.14(2)(g) due to your conduct over this absurd claim. Despite my best efforts, you continue to assert that I have breached your terms. However, I cannot breach terms that I was not present to accept. Have you even read my initial response? I suggest you review it thoroughly and save yourself some money. Additionally, please refer to section 13 of the IPC Code of Practice, 2023 edition. I eagerly await your deafening silence. Remarkably, I haven't heard a peep from Excel since my response; instead, they've passed the baton to you to perform this tiresome routine once more. Consider this my official notice that I am sending a cease and desist letter to Excel Parking Services. Their relentless hounding has crossed the line into clear harassment. Any further demands for payment from you, as Excel's lackeys, will be regarded as nothing more than shameless acts of intimidation and harassment. I now look forward to the deafening sound of your silence. Yours sincerely,
    • Personally I'd go to it and object for the sake of it. They have to attend anyway so I can't see you being liable for any costs or anything (if they try to ask for attendance costs, just say that firstly it is their application, secondly it is from their own making, thirdly that they would have to come anyway so you shouldn't need to bear their costs.   When you turn up you should object on the basis that the witness has been in office since the time of the order, and could have done their witnes statement in advance of their AL. Their poor planning is not your fault, 7 days is too rushed for you as a LIP and there is no good reason that a company can't organise itself to sort WX in time. Also they say finalise so they already have something, its not like thye have nothing. Their amendments cannot be so important if they are being added so late.   see what @AndyOrch says but that's my thoughts  
    • Yes, in the main your understanding of my case is right. Linked below to the post with the final WS sent to the court and to Evri.   
    • Hello, welcome to CAG. As you say, appealing this ticket doesn't help as these people hardly ever accept appeals. They don't care how difficult someone's life is, they just want the money. The forum guys should be along later with thoughts for you on how to deal with this. Best, HB
  • Recommended Topics

  • Our picks

    • If you are buying a used car – you need to read this survival guide.
      • 1 reply
    • Hello,

      On 15/1/24 booked appointment with Big Motoring World (BMW) to view a mini on 17/1/24 at 8pm at their Enfield dealership.  

      Car was dirty and test drive was two circuits of roundabout on entry to the showroom.  Was p/x my car and rushed by sales exec and a manager into buying the mini and a 3yr warranty that night, sale all wrapped up by 10pm.  They strongly advised me taking warranty out on car that age (2017) and confirmed it was honoured at over 500 UK registered garages.

      The next day, 18/1/24 noticed amber engine warning light on dashboard , immediately phoned BMW aftercare team to ask for it to be investigated asap at nearest garage to me. After 15 mins on hold was told only their 5 service centres across the UK can deal with car issues with earliest date for inspection in March ! Said I’m not happy with that given what sales team advised or driving car. Told an amber warning light only advisory so to drive with caution and call back when light goes red.

      I’m not happy to do this, drive the car or with the after care experience (a sign of further stresses to come) so want a refund and to return the car asap.

      Please can you advise what I need to do today to get this done. 
       

      Many thanks 
      • 81 replies
    • Housing Association property flooding. https://www.consumeractiongroup.co.uk/topic/438641-housing-association-property-flooding/&do=findComment&comment=5124299
      • 161 replies
    • 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.

      One of the points that the judge made was that the customers contract with the broker specifically refers to the courier – and it is clear that the courier knows that they are acting for a third party. There is no need to name the third party. They just have to be recognisably part of a class of person – such as a sender or a recipient of the parcel.

      Please note that a recent case against UPS failed on exactly the same issue with the judge held that the Contracts (Rights of Third Parties) Act 1999 did not apply.

      We will be getting that transcript very soon. We will look at it and we will understand how the judge made such catastrophic mistakes. It was a very poor judgement.
      We will be recommending that people do include this adverse judgement in their bundle so that when they go to county court the judge will see both sides and see the arguments against this adverse judgement.
      Also, we will be to demonstrate to the judge that we are fair-minded and that we don't mind bringing everything to the attention of the judge even if it is against our own interests.
      This is good ethical practice.

      It would be very nice if the parcel delivery companies – including EVRi – practised this kind of thing as well.

       

      OT APPROVED, 365MC637, FAROOQ, EVRi, 12.07.23 (BRENT) - J v4.pdf
        • Like
  • Recommended Topics

Arrows/Restons Claim form - MBNA Credit Card Debt ***Appeal Success***


Milly2016
style="text-align: center;">  

Thread Locked

because no one has posted on it for the last 1756 days.

If you need to add something to this thread then

 

Please click the "Report " link

 

at the bottom of one of the posts.

 

If you want to post a new story then

Please

Start your own new thread

That way you will attract more attention to your story and get more visitors and more help 

 

Thanks

Recommended Posts

Had a chat with a friend and now understand what you are saying.

 

I will get the witness statement/exhibits attached to their N244 uploaded today.

 

And start preparing my witness statement which I need to get to the courts and the claimant solicitor by 10th August - i.e. 14 days before the court hearing on the 25th August.

Witness statement+exhibits 1-8 attached to their N244.pdf

Link to post
Share on other sites

  • Replies 148
  • Created
  • Last Reply

Top Posters In This Topic

Top Posters In This Topic

Posted Images

blimey they've pulled out all the stops there....

 

 

bet all that PPI will wipe the debt out totally

and there are late charges too

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... 

Link to post
Share on other sites

  • 2 weeks later...

Hi guys,

 

I've been working on the Witness Statement... I've made a start on it, however only stated events and have no real hard defence. Doesn't look hopeful :oops:

 

 

IN THE NORTHAMPTON CCBC

Claim No. xxxxxxxx

 

BETWEEN:

Claimant

ARROW GLOBAL GUERNSEY LIMITED

 

AND

Defendant

xxxxxxxx

 

_________________________________

 

WITNESS STATEMENT OF DEFENDANT

_________________________________

 

 

I xxxxxxxxxxx being the Defendant in this case will state as follows;

 

1. I make this Witness Statement in support of my defence in the claim.

 

2. Prior to July 2015 my unsecured debts were managed by debt management plan.

Family members had to intervene to manage the unsecured debts and to help reduce arrears on main priority bills. As this was causing health issues such as high blood pressure and stress.

 

3. On 15th April 2016 email correspondent was sent to Claimants solicitors providing a report from Step Change Charity containing that state of my financial situation. Step Change concluded to arrange payment of £1 month to the solicitors of the Claimant towards the alleged unsecured debt. The Claimants solicitor was reluctant to the £1 month payment.

 

4. On 1st August 2016 I made a written request to the Claimant solicitors requesting that the Claimant provides copies of all documents mentioned in the statement of case.[EXHIBIT DLA 5] CPR 31.14

 

5. CCA Request sent to Claimant on the 1st August 2016.

 

6. On 4th August 2016 the Claimants solicitors replied [EXHIBIT DLA 5] to my written request CPR 31.14 without the requested documents.

 

7. Received a response to the CCA Request on 17th August 2017 that was sent to the Claimant. They have acknowledged the request for documentation pursuant to the consumer credit Act 1974 and do not accept that they are the creditor as envisaged. However their willing to assist in obtaining that which has been requested.

 

 

8. CPR Rule 31.15 requires that documents are provided within 14 days from receipt of a written request. The Claimant has failed to provide any of the documents mentioned in its claim form within the timeframe stated. [EXHIBIT DLA 5]

 

9. I received a letter on the 24th August 2016 from the original creditor providing their latest MBNA Credit Card Terms and Conditions.

 

10. On 23rd September 2016 a copy of MBNA Application form and Terms and Conditions were sent by the Claimants solicitor. The Application form is not is not legible.

 

 

I, xxxxxxx the Defendant, believe the facts stated within this Witness Statement to be true.

Link to post
Share on other sites

We have a few days grace yet Milly I will tweak it slightly over the weekend.

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

If you want advice on your Topic please PM me a link to your thread

Link to post
Share on other sites

Hi Milly unfortunately not yet ...but will have a look in the morning so you can get it finalised and away for tomorrow afternoon.

 

Andy

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

If you want advice on your Topic please PM me a link to your thread

Link to post
Share on other sites

One WS in objection to application...please check it over for accuracy and amend to suit

 

 

Milly WS.pdf

 

Regards

 

Andy

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

If you want advice on your Topic please PM me a link to your thread

Link to post
Share on other sites

Your local county court and the claimants solicitor

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

If you want advice on your Topic please PM me a link to your thread

Link to post
Share on other sites

  • 2 weeks later...

Going over what will happen in court tomorrow &

 

 

I have two questions:

 

1. Will I be allowed to represent my dad?

 

2. May be confused but I believe the claimants have provided only one credit agreement pursuant to cca1974 in the witness statement and I believe it's not the original but latest because the fees outlined don't match the statement fees.

 

I noticed that the charges for late payment, not making minimum payment or payment is returned unpaid in all 3 is £12 in the credit agreement (page 2, section 5).

 

Whereas in the statements provided going back to when the card was taking out their statement lines showing late charges and over limit fees of £18 each (5th and 6th line on the first page of the statement).

Link to post
Share on other sites

which means they aren't the terms and conditions that relate to the original date of the card agreement.

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... 

Link to post
Share on other sites

no who said that

these things should be in your W/S.

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... 

Link to post
Share on other sites

Going over what will happen in court tomorrow &

 

 

I have two questions:

 

1. Will I be allowed to represent my dad? You will be able to sit with him and prompt him...depends on the Judge if he will let you talk...varies but I doubt it.

 

2. May be confused but I believe the claimants have provided only one credit agreement pursuant to cca1974 in the witness statement and I believe it's not the original but latest because the fees outlined don't match the statement fees.

 

I noticed that the charges for late payment, not making minimum payment or payment is returned unpaid in all 3 is £12 in the credit agreement (page 2, section 5).

 

Whereas in the statements provided going back to when the card was taking out their statement lines showing late charges and over limit fees of £18 each (5th and 6th line on the first page of the statement).

 

Then they remain in default of your section 78 request as the T&Cs are not the correct version as inception when the agreement was signed....you can raise it..if needs be.

 

Best of luck tomorrow Milly and please update your thread with the outcome...good or bad.

 

Regards

 

Andy

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

If you want advice on your Topic please PM me a link to your thread

Link to post
Share on other sites

Stayed lifted. Interlocutory judgement for £8000 and for amat to be decided by court.

 

We failed to communicate clearly that we have not received the credit terms at the time of application, we said original credit terms, which the judge appear to take as 'the original' and said the credit terms have been provided.

 

We pointed out that the credit term references £12 fees yet the statements from the outset i.e. around year 2000 were charging £18 fees.

 

The Judge to took that to mean we disputed the fees in the statement and so asked the claimant to submit evidence (file and serve) by 21/9/17 with regards to the balance due. And for us file a defense by 19/10/17 of that evidence, with a hearing to decide final sum and costs on 2/11/17.

 

Requested appeal on the original CCA not provided - again feel the judge took that to mean 'the original' as oppose to the terms at application. Appeal denied, but have 14 days to issue an appeal.

 

In the interim we have been told to pay £8000 which we don't have.

 

The current £1 a month payment with a statutory 8% would not mean that the debt would be paid in a reasonable time and so the judge could not ?accept that.

Link to post
Share on other sites

Interlocutory judgement...usually used in divorce cases..not money claims....by the very term Interlocutory.... Provisional; interim; temporary; not final; that which intervenes between the beginning and the end of a lawsuit or proceeding to either decide a particular point or matter that is not the final issue of the entire case..... and not final or definitive.

 

So they must disclose their evidence re charges/fees by 21/9/17 and you can challenge that evidence in further defence to be submitted by 19/10/17 ...then he will hear the case to decide final sum and costs on 2/11/17.

 

As Arrow are an assignee.....defunct debt buyer with little knowledge of any disputes or charges pre assignment,therefore I dont think the OC (MBNA) will be willing to divulge or disclose anything with regards to their penalties and fees and would rather not open that can of worms....but we shall see.

 

You cant appeal on a case until the final judgment has been passed ( 2/11/17) so Im not sure why he denied it or why you asked for it...so 14 days is not applicable anyway.

 

In the interim you dont pay anything ...not until the case is concluded and judgment awarded and dated....you then have a further 28 days to decide and submit an application to vary it to monthly payment...if a £1 is all you can afford ....then thats all you offer...irrelevant what the judge thinks and how long it takes to pay it....if you own your own property they will no doubt place a charging order to secure the judgment...so their in no rush.

 

You cant get blood out of a stone....even if it upsets the judge.

 

Andy

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

If you want advice on your Topic please PM me a link to your thread

Link to post
Share on other sites

I can hardly read it never mind check it Milly.

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

If you want advice on your Topic please PM me a link to your thread

Link to post
Share on other sites

surely that wasn't from an sar its from their ws re post 70?

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... 

Link to post
Share on other sites

sorry to jump in, but even if this all goes south, there is the little issue of PPI and charges to consider. which in all likelyhood would result in a fairly large payout to you. ( hopefully more than these retards are claiming from dad).

Looks like the magistrate here is erring on their side unless you can compel otherwise.

Link to post
Share on other sites

magistrate I hope not!:lol:

 

 

dx

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... 

Link to post
Share on other sites

If its from the SAR then its nothing to do with the claim

And you don't tell the fleecers taking you to court you have it

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... 

Link to post
Share on other sites

  • Recently Browsing   0 Caggers

    • No registered users viewing this page.

  • Have we helped you ...?


×
×
  • Create New...