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    • I don't have any doubts but that if they have breach the contract then they must leave you in the position that you would have been if the breach hadn't occurred. This means that the very least that you shouldn't be out of pocket at all – and in fact if you incurred extra losses having to remedy their breach – by making other arrangements then I think you should be entitled to this as well.
    • On a side note -  I expect Barclays to extend the contact time to the week after. Only because your case isnt a simple one to deal with and they may have to do further investigation.  Let us know what the Adjudicator says... Remember this - The FOS in recent memory have become a dog with no teeth...  
    • CCA is not re-setting the date it is a right?   no CRA showing how can they report a non existent account which is not showing, pay them and if it was then it would just show partially settled and still be there killing your score for 6 years letters may this/that and the other are just threatograms used by the office junkie, Cabot know this,  sit on your hands and stop seeing what is not there"!  Statute Barred is Final end of sure Dx  will respond as well
    • I booked a one way flight online for my wife and I with Ryanair in December '19 for a flight from Spain to UK in August '20. The flight confirmation showed that the cost of the flight was €145.68 and that my card had been debited £133.01.  I don't recall being given the option of choosing to pay in euros or GBP but it is possible that I was.   On 5/2/20 they contacted me to advise that "Due to the non-delivery of the Boeing Max aircraft this summer, please be advised that there has been a significant time change to your Ryanair booking". It was in fact much more than a significant change in that it was a cancellation of a flight on that day from that airport which had been tailored to fit our preceding travel plans so I just asked for a refund, as I could not find a suitable alternative with Ryanair.   The refund was processed and Ryanair sent me an email stating, "We confirm that your refund request has been processed back to the form of payment used to pay for your booking. Your issuing bank will take 5-7 working days to process this refund amount back to your account. The amount refunded to your credit/debit card is GBP 133.01"  When I checked my bank account I saw that they had refunded me €145.68 which when exchanged left me £119.58 leaving me £13.43 out of pocket.  On contacting Ryanair they said it was my bank's fault and not theirs as they refunded the full amount paid.  My bank advised that Ryanair debited my account originally in GBP therefore they should have refunded this amount in GBP.   I made an official complaint to Ryanair which they have rejected stating that I was in breach of their General Conditions of Carriage by not selecting the correct payment option.  I feel that because they did a currency conversion on payment and debited my account in GBP that they should have refunded the GBP amount that they took.   I also wonder how many others has this happened to and I smell a large rat. Could anyone offer any views on this, and/or if I have any comeback and where I could take it please?
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roland60

Cabot/Mortimer claimform - old Capital One branded Luma Credit Card

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Yes DX, both come up as Cap 1, one a classic Card and the other a Mastercard. 

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Hi Andy, I'm going to go with the para you have mentioned in post #94, as the hearing is this Friday and I want to get this in the post today and emailed to court in the hope of Cabot calling the court and discontinuing the claim before Friday! 

 

I made a slight adjustment, is this ok?

 

1. Since the last hearing dated 4thDecember 2019 I have discovered that I have in fact held two agreements with Capital One Bank (Europe) Plc in the past. One branded a Luma Credit Card Account Number XXXX which was issued in 2012 and a Capital One Credit Card Account Number XXXX which was issued 2015 and is currently being serviced by Arrow Global. Therefore the disclosed Reconstituted Capital One Credit Agreement presented in this claim cannot possibly be true or connected to the Luma branded Credit Card that this claim relies upon.

 

Thanks,

Roland

 

 

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I have also changed this to be my point 5 in the WS2 post #81 and deleted the current point 5. 

 

Thanks,

Roland 

 

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:thumb:


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Thanks Andy & DX, I will email it over to court later today, will post it to Cabot Sols in the morning. 

 

Regards,

Roland 

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Hi everyone

 

I had my day in court on Friday, it was a very unfair trial, judge was clueless, the advocate for Mortimer Sols winged it, and I ended up with a CCJ!

 

My hearing started 2&1/2 hours late and it was nearly 12.30pm, bearing in mind the hearing was allocated 2 hours, as soon as we entered the hearing, the judge said looking at the time, lunch is coming up!  He then went on to say he hadn’t read either of MY WSs and needed a couple of minutes!  He then went on to say he was only interested in my Amended Defence! I found this very odd as my WSs both had a bearing on the case. 

 

The advocate went on to go through the history of the account and said that I had put a very good Defence & WS forward, the judge then asked me my issues with the claim, hence I mentioned the Recon Agreement not correct due to it not being my signature and a different 16 digit number on it, the account is for a LUMA card and not a Capital One card as my Capital one card which is being served by Arrow Global. The judge quickly replied, it’s like having a Marbles Card but it is issued by Barclay’s Bank! 

 

The Judge then said I had made a mistake with the 16 digits that they were wrong and in fact there were 18 digits and that didn’t make up a credit card/bank card number. I quickly corrected the judge and said I am 100% sure it’s a 16 digit number to which the judge confirmed, yes his mistake, there are 16 digits. I told the judge that the claimant was back tracking from it being an account number to just a ‘document number’ now. Judge said nothing to this. 

 

The judge then went on to say that I was saying that the recon agreement is wrong and it’s for a Luma Card not a CAP1 Card, to which I said yes. The judge then asked the advocate for the claimant, “how important is this agreement for this claim, is the claim barred without an agreement?”…… I was so shocked the judge actually asked this!!!  Of course it’s important!

 

I just felt he had already made up his mind before coming in and lunch fast approaching that he was going to let the Claimant win. The advocate looked just as shocked as I was and he delayed replying back to the judge! He said he wasn’t too sure about it being barred without an agreement, so the judge started to look up Section 78 of the CCA 1974.

 

The judge then confirmed yes, we do need an agreement. The advocate started going on about, “well I don’t think they paid the £1 for the request, so the request is not valid”!!  The judge ignored this as how else was I supposed to get documents for a claim against me! The judge asked the advocate if he had any case law to help this matter regarding the validity of the recon agreement and the advocate mentioned the Carey case, that it only needed my name and address on the recon agreement and nothing else mattered.

The judge looked at the case law and said yep, that’s right and nailed the coffin at that.  

 

I mentioned again, why my false signature on this recon agreement and that too done digitally when I applied by post and signed by hand, why a different 16 digit number on the top of the agreement and why no mention of a Luma Card? The judge wasn’t interested and said that didn’t matter.

 

To further shock me, the judge said, “how can we go about this claim then with what we have, as seems like a technicality issue”….to be honest I would have thought the claim should have been struck out at this point but the judge suggested to the advocate, “why don’t you cross examine the defendant (me) but the defendant can’t cross examine the advocate as he hadn’t written the WS”, how was this fair? The advocate agreed to the cross examination, the judge went on to say, “shall we adjourn this for lunch or will your questions be quick” to which the advocate replied he’d be quick! I might as well have left the court and left them to it! 

 

The advocate started his questions from my original defence for the claim, to which I said I have an amended Defence, and I needed the relevant documents as per my CPR 31.14 and Section 78 request. He then went on to the statements which were digital print offs with my name on the first page, asking do I recognise any of the transactions….. I said I recognise some of the transactions on the page with my name on it. He said you have denied the debt, it is not true that you have another Capital One Card.  I told him that I have presented the account number for the CAP1 Card in my WS2 and that it was true.

 

He just wouldn’t have it, said I was lying about it and that there was no such other card.  I then told him that I have the actual CAP1 Card at home and the advocate said why I hadn’t bought it in with me for evidence! I told him that the account number for the Cap1 Card was sufficient and that they should have verified that themselves. That was the end of his questions.

 

The judge said is there anything else I would like to mention as I can’t cross examine the advocate, to which I said yes, by placing my name and an account number on a blank page before the recon agreement doesn’t make it mine, I do have another CAP1 Card so how can there be the one agreement for 2 different cards. 

 

The Judge then went onto conclude the case, by serving me the judgment.  

 

The advocate quickly piked up to ask for costs, both for the last hearing and todays, plus hearing fees, Summary Judgment application fee from last hearing, summary judgment fixed costs, costs which he claimed he was entitled to pursuant to CPR Part 45.

The judge said that costs on the last hearing were silenced so he isn’t granting them, and if he could prove why he was entitled to CPR part 45.  The Advocate replied he was entitled to his costs due to ‘my weak defence’.  

 

The judge replied that this was not a good enough reason and wasn’t allowing them. The only costs allowed were the initial court fee and solicitors fee when the claim was issued, £150 compared to the further £460 he wanted! The judge then asked me how long I wanted to pay the judgment figure to which I requested a payment plan, the judge cut me short and said, you have 14 days to pay the claimant, if you want it varied etc apply to court! I also said that I would like to mention to the advocate that I was entitled to defend the claim weak or not and that this is not what I do for a living and no law says I couldn’t defend it.  

 

The case was dealt within 45mins! I feel the judge didn’t have a clue about credit card issues and the advocate had caught on to this too, the judge had already made his decision without reading my WSs & Amended Defence and wanted his lunch. Had I taken in the other Cap1 Card wouldn’t have made a blind bit of difference I don’t think as the judge was clueless on Recon Agreements, tried to catch me out on the 16 digit number on the recon agreement and ignored my false signature and called it a technicality issue. 

 

Thank you for all the help and advise, it was definitely an unfair hearing.

 

Roland 

 

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Sounds very unfair and yet he seemed quite promising from the last hearing...glad hes not judging criminal law...wouldn't want lunch time to interfere with a murder case.

 

You beat them on the costs though...ouch no profit left in this bad debt bought for 10p in the £.

 

N245 next when you receive the notice of judgment...offer them £2 per month.


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Yes Andy, very unfair, it wasn't the same judge as the last hearing, if only it was he would have definitely struck the claim out as they argued the same points as the last hearing.

 

How can judges be allowed to make such rulings without knowledge of the issue in front of them and then to read my WSs when we are sat there, still shocked!

 

 

 

 

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Hi there

 

I received the Judgement Order yesterday stating that the Claimant to be paid the sum on or before 14th Feb 2020, as the judge only allowed me 14 days.

 

When we came out of the court room the advocate for the claimant said that we can call up the Mortimer Solicitors and do a payment plan......

 

What would you recommend I should do..

.. contact the solicitors or do the N245 form...

.. bearing in mind that i only have till Friday to sort this out.....

 

Previously in a similar situation to this,

I dealt with Lowell directly and sorted a payment plan that i was comfortable with after doing an income & expenditure with them. Not too sure what Mortimer are like?......

 

Many thanks,

Roland 

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Its your choice ..the beauty of the n245 is that its rubber stamped by the the court and permanent where as with an inform they will hound you every 12 months for a review.....but its up to you...N245 is £50 which could be  used as payments against the judgment ?


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 bearing in mind that i only have till Friday to sort this out.....

 

 

14 days from receipt of judgment


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I've helped someone in the past with Mortimer Clark issues - they will never leave you alone and every 6 months or so write asking for a payment review which means they are trying to get you to pay more.   If you go with the N245 then they can only ever get what the court says.


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Thanks Andy and Ell-enn for getting back to me.

 

Andy the Order states 'on or before 14th Feb 2020',

so does that not mean that i need to sort this out by 14th Feb, this coming Friday?...

 

.. Also regarding the N245 Form,

it costs £50 and is that definite that it would be used against the Judgment?....

 

Also could i be exempt from the £50 fee for the N245 as I am on Working Tax Credits?....

 

Regards,

Roland

 

 

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But what date is the judgment notice ? 

 

Quote

 Also regarding the N245 Form, it costs £50 and is that definite that it would be used against the Judgment?

 

No thats the fee to the court...but if you didn't want to go the N245 route I was simply saying you could use that money towards paying the judgment.

 

With regards to exemption check the eligibility list...

 

https://www.gov.uk/get-help-with-court-fees


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Thanks Andy

 

The date for the judgement notice is 31st Jan 2020.

 

Thanks for the exemption check list, I will check this out.

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But you only recieved it on the 8th Feb ...so thats 9 days lost...therefore you have not been given 14 days...only 5.


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