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    • I apologise if I was being unclear. Where it currently stands is that they will have it repair, placing scaffolding in our garden for 5 days. They have moved fast, but we will still have to postpone our contractors, meaning, we won't necessarily have the work done in time for the wedding and therefore will incur additional expenses for either a marquee or a wedding venue. They are vehemently against having any kind of liability in any regard but continue repeating that they are legally entitled to use our garden for their repairs (I believe this is true unless the work can be carried out using a cherry picker). The neighbour seems either indifferent or oblivious to the fact they can't reach all of the side of the roof from the space where they can place the scaffolding. They have asked their roofer of choice about using a cherry picker but the roofer has said it wasn't possible. It's not clear whether the roofer doesn't want to use a cherry picker or whether there is an issue with it. They have told us it is a problem that we are installing a gazebo as it will prevent them to access their roof from our garden in the future?!?  
    • Couldn't agree more, really wanted a true ruling on this just for the knowledge but pretty sure the Judge made some decisions today that he didn't need to?.. maybe they all go this way on the day? We hear back so few post court dates I'm not sure. Each Judge has some level of discretion. Their sol was another Junior not even working at their Firm, so couldn't speak directly for them! that was fortunate I think because if she would have rejected in court better, she might have  been able to force ruling, we are at that point!, everybody there!!, Judge basically said openly that he can see everything for Judgement!!!  but she just said "I can speak to the claimant and find out!" - creating the opportunity for me to accept. I really think the Judge did me a favor today by saying it without saying it. Knowing the rep for the sol couldn't really speak to the idea in the moment. Been to court twice in a fortnight, on both occasions heard 4 times with others and both of my claims, the clerk mention to one or both parties "Letting the Judge know if you want to have a quick chat with each other"! So, it appears there's an expectation of the court that there is one last attempt at settling before going through the door. So, not a Sol tactic, just Court process!. Judge was not happy we hadn't tried to settle outside! We couldn't because she went to the loo and the Judge called us in 10 minutes early! - another reason to stand down to allow that conv to happen. Stars aligned there for me I think. But yeh, if the sol themselves, or someone who can make decisions on the case were in court, I would have received a Judgement against today I think. She was an 'advocate'.. if I recall her intro to me correctly.. So verbal arguments can throw spanners in Court because Plinks dogs outsource their work and send a Junior advocate.
    • that was a good saving on an £8k debt dx
    • Find out how the UK general elections works, how to register to vote, and what to do on voting day.View the full article
    • "We suffer more in imagination than in reality" - really pleased this all happened. Settled by TO, full amount save as to costs and without interest claimed. I consider this a success but feel free to move this thread to wherever it's appropriate. I say it's a success because when I started this journey I was in a position of looking to pay interest on all these accounts, allowing them to default stopped that and so even though I am paying the full amount, it is without a doubt reduced from my position 3 years ago and I feel knowing this outcome was possible, happy to gotten this far, defended myself in person and left with a loan with terms I could only dream of, written into law as interest free! I will make better decisions in the future on other accounts, knowing key stages of this whole process. We had the opportunity to speak in court, Judge (feels like just before a ruling) was clear in such that he 'had all the relevant paperwork to make a judgement'. He wasn't pleased I hadn't settled before Court.. but then stated due to WS and verbal arguments on why I haven't settled, from my WS conclusion as follows: "11. The Defendant was not given ample evidence to prove the debt and therefore was not required to enter settlement negotiations. Should the debt be proved in the future, the Defendant is willing to enter such negotiations with the Claimant. "  He offered to stand down the case to give us chance to settle and that that was for my benefit specifically - their Sols didn't want to, he asked me whether I wanted to proceed to judgement or be given the opportunity to settle. Naturally, I snapped his hand off and we entered negotiations (took about 45 minutes). He added I should get legal advice for matters such as these. They were unwilling to agree to a TO unless it was full amount claimed, plus costs, plus interest. Which I rejected as I felt that was unfair in light of the circumstances and the judges comments, I then countered with full amount minus all costs and interest over 84 months. They accepted that. I believe the Judge wouldn't have been happy if they didn't accept a payment plan for the full amount, at this late stage. The judge was very impressed by my articulate defence and WS (Thanks CAG!) he respected that I was wiling to engage with the process but commented only I  can know whether this debt is mine, but stated that Civil cases were based on balance of probabilities, not without shadow of a doubt, and all he needs to determine is whether the account existed. Verbal arguments aside; he has enough evidence in paperwork for that. He clarified that a copy of a DN and NOA is sufficient proof based on balance of probabilities that they were served. I still disagree, but hey, I'm just me.. It's definitely not strict proof as basically I have to prove the negative (I didn't receive them/they were not served), which is impossible. Overall, a great result I think! BT  
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    • 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 
        • 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
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sb V lloyds **WON**


sadie boner
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hi all not been on for a while due to family bereavment the stage im at is last sunday was the time up after send LBA , i havent done anything yet as i have a few questions to ask first i have read the FAQ,s and an awful lot of threads but still find hard to crasp as i am not very well educated so am i right in what to do next ,, i now go to local court and ash for N1form then fill it in and send back to court with shedule of charges........................ i have been reading about spread sheets as i cant download it do i have to send this as well plus do i now add interest??? im actully thinking this whole thing is a bit much for me so any help would be a great help i cant ask family as its a bit embarasing my claim is for over 4,000 pound thanks for your help sb:cry:

brendans3

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hi sb

 

Keep at it, have a read in the templates file one for filling in your Particulars of Claim on the N1 form and the other for the spread sheets for interest. just to give you a guidance, my claim is for approx 4K and my interest was around the £700 mark. (thats if i done right). I used excel template.

Im sure if you are having difficulty in any aspect just keep on here and Im sure you will get the support you require.

 

Good Luck

jhenry

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You can also print off an N1 form from the templates which is the same as the one you would pick up from the court

 

Sweetpants

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Lloyds Data Protection Act Delivered by hand 23/08 --Prelim & claim for 3 yrs @ £4011.58 by hand 30/08/06 "sorry your not happy" letter received 5/9 LBA going out on 13th .Enforcement notice received 8/9 Reply sent 12/9.LBA delivered 13/09.:cool: Claim Filed 4/10 £4804 "Sorry Enforcement notice was mistake.Anything we can do to help blah blah" letter rec 5/10:o Court claim deemed served 18/10

Lloyds filed acknowledgement 20/10.They now have 28 days to file defence.Defence filed and AQ received 9/128-)

Court date set 14th Feb.Court bundle sent.Nothing rec from [problem]

****WON*****.

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Download N1 here:

http://www.consumeractiongroup.co.uk/forum/showthread.php?t=844

You can print it off and fill in by hand or fill it in on-screen and then print off before closing. You can't save it!

 

N1 Particulars of claim are here:

http://www.consumeractiongroup.co.uk/forum/showthread.php?t=681

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Yes except the schedule of charges is the s/s. Have you sorted out the s/s yet?

 

Use the Simple S/S here:

 

http://www.consumeractiongroup.co.uk/forum/bank-templates-library/182-interest-calculation-spreadsheets.html

 

Overwrite the existing examples type of charge, amount and date.

 

The days since and 8% will be calculated automatically

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  • 3 weeks later...

hi all im still doing my spreadsheet,, as you type the date and the amount does the interest calculate itself in the next line also do i do them in the same sequnce they appeer on the statement? also should i have done this imediatly after the time limit was up after the LBA as its been a couple of weeks since then what work and trying to read as much as i can im worried i,ve left it to long ,, also i never even got a reply for LBA letter is this normal from lloyds

brendans3

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hi all im still doing my spreadsheet,, as you type the date and the amount does the interest calculate itself in the next line

Yes

also do i do them in the same sequnce they appeer on the statement?

Yes earliest first

also should i have done this imediatly after the time limit was up after the LBA as its been a couple of weeks since then what work and trying to read as much as i can im worried i,ve left it to long ,

 

Doesn't matter, you can file this week, next week, or next month.

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Hi Sadie, to answer your questions yes the interest will automatically calculate itself and yes enter the charges in the order they come in on your statements, in date order basically, earliest first most recent last.

It doesnt matter that the time limt from the LBA has elapsed, its your claim you can take as long as you want. lloyds are a bit snowed under right now for some reason so its not unusal to not get a reply, besides you can a template of the letter they will send you in this forum - the usual fob off drivel.

If you follow the guidelines for completing our N1 you wont have any problems

 

skb

 

ps remember to enclose the fee with your form (£120 for your claim) and take a couple of photocopies of the completed form for your records

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Victory over Lloyds £890

Click!

Victory over Vodafone: default removal

click!

Victory over Lloyds PPI claim £2606 click!

Barclaycard lazygoing - £580 + £398 contractual int at 17.7 % click! (Received partial payment £110 21/11/06)

The GF's battle against RBS click! stayed awaiting the end of the world

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seems like all your questions are being answered in duplicate. lol

Victory over Lloyds £890

Click!

Victory over Vodafone: default removal

click!

Victory over Lloyds PPI claim £2606 click!

Barclaycard lazygoing - £580 + £398 contractual int at 17.7 % click! (Received partial payment £110 21/11/06)

The GF's battle against RBS click! stayed awaiting the end of the world

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lovely thanks everyone for your advice funny thing today i got a letter from lloyds offering 750.00 pounds with the letter saying this is as much as they would offer me my claim is for over 4000 pound along way short , is this usaul ,do i have to except? as i havent been to the court yet to file a claim;;:confused:

brendans3

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Dear Sir

 

Thank you for your letter dated xx/xx/xx and settlement offer of £ XXX

 

I respectfully decline your offer of settlement and request, once again, that you return to me all charges imposed on this account totalling £xxxx

 

I will accept the sum offered only as part settlement and on the clear understanding that I will pursue recovery of the remainder.

 

As notified in my letter before action, I will be issuing a claim in the County Court on xx/xx/xx

 

Yours sincerely,

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  • 3 weeks later...

hi all just back from xmas break and now have a promblem with my claim i was offered 750.00 from lloyds on the 16 of december i posted on here for advice and thanks very much to micheal for your help but before i had a chance to write the letter what with being busy at work and going to ireland on the xmas break i have come back to find the money was put ito my account on the 20 of december!! now i havent sent the letter yet accepting it as part payment so where do i go from here do i still send the letter PLEASE HELP!!

brendans3

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Just amend the letter:

 

Dear Sir

 

Thank you for your letter dated xx/xx/xx and settlement offer of £ XXX

 

I request, once again, that you return to me all charges imposed on this account totalling £xxxx

 

I understand that you have credited my account with £750. I will accept this sum only as part settlement and on the clear understanding that I will pursue recovery of the remainder.

 

As notified in my letter before action, I will be issuing a claim in the County Court on xx/xx/xx

 

Yours sincerely,

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hi all im just doing a spread sheet and would appreciate some advice/help to see if it looks right;;;;;;;; at the claim date i put 5 of jan as i done it yesterday;;;;; interest rate says 8.00% is this correct;;;;;;;;;;total claim is 5,260.72 pound,,,;;;;;; daily interest rate in pence is 115.30 THIS DOESE,NT look right ,,,,,;;total amount 4,184.00 this is the amount without interest.so the interest is 1,076.72.. an example of one of my charges is as it reads on the spredsheet ;;; unpaid direct debit 210.00 5 jun 2002 77.10 interest does all this look right???

brendans3

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If I have undrsood your question properly you need to put your charges,interest and court fee like so:

 

Chargesxxxx

Interest unders.69 county courts Act 1984xxx

Court Feexx

 

There is a templete in the libraury that may help you if you have not seen it already.

 

Hope this has helped

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