Jump to content


  • Tweets

  • Posts

    • The Contract itself The airport is actually owned by the Ontario Teachers Pension Plan. There should be an authority from them for Bristol airport group  to sign on their behalf. Without it the contract is invalid. The contract has so many  clauses redacted that it is questionable as to its fairness with regard to the Defendants ability to receive a fair trial. In the case of WH Holding Ltd, West Ham United Football Club Ltd -v- E20 Stadium LLP [2018],  In reaching its decision, the Court gave a clear warning to parties involved in litigation: ‘given the difficulties and suspicions to which extensive redaction inevitably gives rise, parties who decide to adopt such an appropriate in disclosure must take enhanced care to ensure that such redactions are accurately made, and must be prepared to suffer costs consequences if they are not’. The contract is also invalid as the signatories are required to have their signatures cosigned by independent witnesses. There is obviously a question of the date of the signatures not being signed until 16 days after the start of the contract. There is a question too about the photographs. They are supposed to be contemporaneous not taken several months before when the signage may have been different or have moved or damaged since then. The DEfendant respectfully asks the Court therefore to treat the contract as invalid or void. With no contract there can be no breach. Indeed even were the contract regarded as valid there would be no breach It is hard to understand why this case was brought to Court as there appears to be no reasonable cause to apply to the DVLA.............
    • Danny - point taken about the blue paragraphs.  Including them doesn't harm your case in any way.  It makes no odds.  It's just that over the years we've had judges often remarking on how concise & clear Caggers' WSs have been compared to the Encyclopaedia Britannica-length rubbish that the PPCs send, so I always have a slight preference to cut out anything necessary. Don't send off the WS straight away .. you have plenty of time ... and let's just say that LFI is the Contract King so give him a couple of days to look through it with a fine-tooth comb.
    • Do you have broadband at home? A permanent move to e.g. Sky Glass may not fit with your desire to keep your digibox,, but can you move the items you most want off the digibox? If so, Sky Glass might suit you. You might ask Sky to loan you a “puck” and provide access as an interim measure. another option might be using Sky Go, at least short term, to give you access to some of the Sky programming while awaiting the dish being sorted.
    • £85PCM to sky, what!! why are you paying so much, what did you watch on sky thats not on freeview?  
    • Between yourself and Dave you have produced a very good WS. However if you were to do a harder hitting WS it may be that VCS would be more likely to cancel prior to a hearing. The Contract . VCS [Jake Burgess?] are trying to conflate parking in a car park to driving along a road in order to defend the indefensible. It is well known that "NO Stopping " cannot form a contract as it is prohibitory. VCS know that well as they lose time and again in Court when claiming it is contractual. By mixing up parking with driving they hope to deflect from the fact trying to claim that No Stopping is contractual is tantamount to perjury. No wonder mr Burgess doesn't want to appear in Court. Conflation also disguises the fact that while parking in a car park for a period of time can be interpreted as the acceptance of the contract that is not the case while driving down a road. The Defendant was going to the airport so it is ludicrous to suggest that driving by a No Stopping  sign is tacitly accepting  the  contract -especially as no contract is even being offered. And even if a motorist did not wish to be bound by the so called contract what could they do? Forfeit their flight and still have to stop their car to turn around? Put like that the whole scenario posed by Mr Burgess that the Defendant accepted the contract by driving past the sign is absolutely absurd and indefensible. I certainly would not want to appear in Court defending that statement either. --------------------------------------------------------------------------------------------------------------------------------------------------------- I will do the contract itself later.
  • 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

unknown Hoist CCJ - HSBC merged 'debts' set aside hearing Thursday - help.***Claim Struck Out***


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

Thread Locked

because no one has posted on it for the last 2679 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

Hi all

This one's a worrying departure from companies generally steering clear of taking people to court for old/possibly dead debts

- Hoist Portfolio Limited (HPH2 Ltd) have had a CCJ issued on me for a years old debt that may be statute barred.

 

*If* it is the debt I am thinking it is,

it is from an old bank account and is an amalgamated loan, overdraft and credit card debt that I had when leaving them after I lost my job and became very ill.

 

I had already made several years repayments on it while it was in the black, but then became unable to continue and had to default.

I sought advice from CCCS and established I could not afford to pay them any more than a token £1 a month payment.

 

Some time later, my father came into some money and kindly offered to settle it for me.

I also had another debt so he divided the money up in a percentage between the two as advised by CCCS.

 

The other company happily took the offer, this bank declined.

He made them a second offer.

They declined.

 

We explained I was in ill health and would never be able to pay it back in full so they really should accept the offer as it was all they were likely to get and the offer would not be on the table forever etc. They declined.

 

I am afraid I do not know the dates of any of this, only that it is several years ago now.

I wrote to them asking them to correspond with my father not me as I was in poor health and could not reply in a timely manner.

 

Several other companies bought the debt, my father made the first two or three the same offer, they all declined, we did not hear anything for about two years.

 

Enter Hoist.

 

They have decided

1) not to contact my father but myself and consequently I do not have most of their letters as

2) they also have the wrong address on their letters,

the address of the 'main' building I live in, not the actual address so I have not been getting them.

 

The first letter I did get was one from the court telling me they had issued a CCJ against me!

 

immediately confirmed it was real and contacted CCCS (now Stepchange) who advised me to write to the court asking for motion to put aside, which I did and

also sent a CCA request to them, which they returned with the postal order and no documents.

still do not have the documents (August).

 

the hearing to set aside is on Thursday,

which I just found out,

since they are STILL sending the letters

- including the court

- to the wrong address!

 

made it quite clear in my reply they needed to address the letters properly for them to get to me.

 

was not aware that there would be a hearing to decide if we were to have a hearing.

presumed the judge would look through the letter I sent and decide.

 

After digging through the junk mail,

found a letter from Hoist, who said they will not 'challenge' this hearing to set aside, which is very nice of them, as long as I started making payments. They still did not enclose the documents I requested.

 

the hearing is on Thursday am

 

I was wondering if there was anything I should know/bear in mind from other people who have done this.

My defence is

1) sent to the wrong address

 

2) asked to correspond with my father due to my ill health and have ignored request

 

3) they have added interest to the debt when I was told

'once it is amalgamated interest and fees can no longer be applied, so that's one good thing about this'.

 

4) the debt may be statute barred

 

5) I have asked to see original docs and they have ignored request

 

6) if this is the debt I think it is

- my Dad made several offers which they declined,

and he explained that they could either take it or nothing, and they declined. So...well...

 

7) it may not even be a real debt or mine

- I need to see the docs, which they have not sent.

My name is actually very common, it is not completely impossible.

 

I guess I go there on Thursday in my best suit and go through those things?

 

It is really having a terrible effect on my already terrible health and I am so fed up with the whole thing.

 

I believe we have tried our best to come up with a solution and it is not my fault that I became ill and unable to pay.

 

Our offer was fair and certainly, for a debt co who probably bought it for 15 per cent or whatever, I do not understand why they have chosen this route rather than the money.

 

Thank you all in advance for your help. These forums are literally life-saving.

xxx

Edited by dx100uk
Link to post
Share on other sites

don't worry about any of the things in your list.

not needed

 

 

have you got it in writing that Hoist are not attending and agree to the set aside?

 

 

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

In addition to the advice given above, – you must attend the hearing.

 

If you don't attend – and especially if there is a chance that the claimants to attend, then your set-aside application will probably be thrown out.

 

On the other hand, if you go to the hearing then it will be a simple matter to show the judge their written agreement to the set-aside – plus also evidence of the wrong address.

 

Once you have done that and you have got your set-aside then come back here and we will help you produce a defence on the basis that there is no CCA. Also, I suggest that you send them an SAR in order to try and find out what the debt is about and what the date of it is.

 

You have six years from the date of the last payment – or from the date of the last acknowledgement of the debt. It is possible that even though you stop making payments, if you tried to make an offer which they declined, that this could be sufficient acknowledgement of the debt to continue its enforceability.

 

I suggest that you contact the debt management company as well and see what information you can find out there.

Link to post
Share on other sites

Thanks guys -yes, I have the statement that they will not be attending or challenging. Although it is my understanding that this isn't the actual hearing, which they presumably WILL attend when I get a new date.

 

 

Yes, am intending to turn up, since it's at my local court. It is just infuriating that they cannot seem to flollow the simple instruction to send it to the proper address as it easily could not have gotten to me again.

 

 

Will go there on Thursday am and report back.

Link to post
Share on other sites

I suggest that your paperwork is in really good order. If you come up before the judge, there is nothing they hate more than having to wait drumming their fingers while some litigant in person tries to hunt for a document which they were "sure was there somewhere".

 

You should have everything in a looseleaf ringbinder and also it is worth taking a second copy to pass to the judge so that you have one for yourself and one for the judge. If you want more information on preparing a court bundle or any documents then you could have a look at our new Consumer Survival Handbook available on Amazon (shameless plug).

Link to post
Share on other sites

Hi again

went along to this with letter as advised and the judge agreed to the motion to set aside.

 

 

He also made a few other points on the order

 

 

2) the claimant to file and serve amended particulars of claim setting out the claim in full by 4pm on October 14th

3) the defendant is to file at court and serve on claimant her defence by 28 October

4) refer to district judge for directions 4 Nov

5) defendents correct address is ....

 

I was hoping that it might take a little more time to get typed out and sent to me,

alas the clerks seem to be super efficient and I got it first thing this morning,

which is pretty impressive seeing as it was less than 24 hours from when I was actually in front of the judge! (sigh)

 

Judge himself advised I get a solicitor rather than continuing to represent myself as

'it may be that (cough) one official letter may put an end to the whole thing...although I couldn't possibly advise...'

 

still have not heard back from them with their CCA request letter..

.although I *think* the judge's official request will cover the info we were talking about sending £10 off for?

Or would that be something different?

Many thanks for all your help xxx

Link to post
Share on other sites

yes it will cover the sar to the debt buyers

but id be sending an sar to the DMC you had.

 

 

I wonder what letter he means???

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

  • 3 weeks later...

Contact your court and inform them the claimant have failed to comply with the DJs orders dated and request that sanctions be imposed..IE strike out their statement of case.

 

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

  • 1 month later...

finally some news about this,

 

got a letter today saying that Hoist has until 5 dec to supply me with docs or it will be struck off?

 

How do they get even MORE time when they've had months and done nothing?

 

It would be just like them to suddenly submit the docs at the very last minute when I think it is all over....really angry

Link to post
Share on other sites

I doubt they will comply...keep your eye on the clock:clock:

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

Thanks Andy, I hope not.

 

it annoys me that I have been saying to the court that they do not have docs (or will not supply them) since June or July now and

 

 

the court just keeps going 'okay, if you don't supply them by xxx',

'now, seriously, if you don't supply them by xxx' '

no, really this time, you need to supply them by xxx'

and the letter had also been opened by someone (probably my landlord even though it's illegal) and I had been trying to keep the whole thing quiet.

 

..guess I will just have to try not to have a stroke before 5th and then hope that THAT is it, no more extensions, really really really struck off.

Link to post
Share on other sites

  • 2 weeks later...
Have heard nothing...oh god, does this mean this is FINALLY over??? Do I need to contact the court again to let them know I have not received the docs?

 

Yes....see if they have filed with court....could be they have just not served them on you...hurry though nearly closing time.

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

Okay, I rang them and they said just to write in and say that I have not rcvd them and that then it will be struck off,

 

 

unless they say they have and can provide proof (which presumably they can't since I haven't).

 

 

Apparently can't do it on the phone...so it goes on...

Link to post
Share on other sites

Okay, I rang them and they said just to write in and say that I have not rcvd them and that then it will be struck off, unless they say they have and can provide proof (which presumably they can't since I haven't). Apparently can't do it on the phone...so it goes on...

 

Well it should be auto struck out as per your post # 12...but drop them a line if thats what they require.

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

  • 3 weeks later...

I did as requested and have heard nothing back from the court

- getting pretty tired of this to be honest.

 

 

On Xmas Eve (yeah, thanks for that) I received correspondence from Robinson Way, saying

'we have received your complaint and have put on hold all collection activities whilst this is investigated'.

Er, don't believe I ever sent a complaint?

 

 

Just a request for the cca?

Anyone have any ideas what this means???

I imagine the courts will be closed for a while.

Link to post
Share on other sites

ignore that robbers letter for now.

 

wait see what the court says.

 

 

if you have written in as said,

it shld be dealt with accordingly subject to their usual backlog.

 

 

give the court a ring when its next open.

 

if they have struck it out,

 

 

it wld then be on the claimant whether to try object or not.

Link to post
Share on other sites

  • 3 weeks later...

Been sick the last few weeks but called them today

- they said yes, it has been struck out and they're not sure why I haven't got a letter, but I will get one eventually.

 

So it's over, then? It's taken literally years...

 

Thank you for all your advice and help.

 

 

There's just one more thing,

 

 

if I may

- does the fact that this has now been struck off by the court mean no one can take me to court again over this matter?

 

 

Can they still pursue me for the debt?

 

 

I mean, I'm guessing not if they don't actually have the documentation to prove the debt,

and if they'd have had that, I'd have guessed they'd have given it to the courts.

 

 

What about if they sell it on to another company and THEY take me to court/hassle me for the debt?

 

 

I just have a nasty feeling that it can't ever be just this easy...

Link to post
Share on other sites

Well done Crazy...as anticipated.

 

Thread title amended to reflect the outcome.

 

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

theres nowt to stop them selling it

 

so when you get the letter from the court

scan it

and keep it safe

 

then if any other fleecers try it on

 

you send them a copy.

 

and ofcourse the statute barring clock now starts to retick from when it was paused by the claimform.

 

so SB date cant be that far away from last payment?

 

did findout what the debt actually was?

 

 

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

  • 2 weeks later...

Of course, that could not finally be the end of it. The day after I received a letter from the court saying it was struck out....if Hoist had no objections in seven days and contacted them to ask.

Hoist has written to me again now and said it has agreed 'due to my illness' but it will still be pursuing the debt and may take me to court at a later time.

THIS WILL NEVER EVER END

Link to post
Share on other sites

answer the last 2 lines of my last post...

 

 

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

  • Recently Browsing   0 Caggers

    • No registered users viewing this page.

  • Have we helped you ...?


×
×
  • Create New...