Jump to content

 

BankFodder BankFodder


  • Tweets

  • Posts

    • I've complied this draft letter. What are your thoughts?. Can they during this time put anything in place to get any court proceedings so i would have to travel to Wales?. Check out the Compton Group LTD who are their litigation team. Thanks and good morning. 20th letter dtw pdf.pdf
    • I'm trying to work this out as I go along. The first thing to do is to think about this not as a car – but simply as a £value. This is especially so as you have said that it is not a rare BMW. This means that you could purchase another one and it would mean just the same to you. You bought the car for £16,000 – and presumably that was the value you gave to the insurance when you bought the policy – is that correct? If that is the value you gave to the insurer then on my understanding of these things, that is the maximum you would be entitled to claim. This is the amount you got so although you lost the car (£16,000), it was fully replaced by the payment of £16,000 – minus, of course, the excess – but that was part of the deal anyway. I've looked at the RAC website for the meaning of the various categories - https://www.rac.co.uk/drive/advice/buying-and-selling-guides/changes-to-insurance-write-off-categories/   I see that a Cat S means that there could be structural damage. Cat B means that the car must be broken for parts. You say you would like to get the car back because you consider that it can be repaired. Personally I think I would be very worried about this because if there has been one inspection which is rated it as a breaker and the second one rates it as having possible structural damage – but repairable – it seems to me that there is a huge risk involved. Supposing you got the car back and proceeded to repair it but in fact found that there was some structural distortion so that the geometry of the car made it difficult to drive. You would then have a real lemon on your hands – and of course you would have allowed a fair amount of money and trouble into getting it going. Apart from the fact that Hastings behaviour is all rather suspicious – I'm struggling to see what loss you have taken on this. You would have had to pay the excess anyway – in any event. You have now received £16,000 payment so you are in a zero-loss situation and you could simply go out and hunt around for another car for the same money. The only thing that I could see which could complicate matters is if you come back and tell us that in fact the car was a huge bargain and that it would cost you more than £16,000 to replace it. But in that case I would have to ask why did you only insure it for £16,000? The second complicating factor might be that in the four months that you had it, he spent a lot of money on improvements and you have managed to recover that. Maybe you could let us have your comments on this and also let me know if there is anything which I've misunderstood  
    • Well today is the 20th so let us know if you have had a disclosure by the end of the day.   Of course you can bring a claim for breach of statutory duty – but in order for it to be a small claim you would have to claim an amount in financial compensation. Luckily under the data protection laws you can claim for distress without having to prove any physical damage or economic loss. I happen to know that you have some experience of bringing a successful data protection claim in the past - which was settled quite advantageously out-of-court. If you want to bring a small claim then I would suggest that you would have to alleged the distress and claim for, say, £50 – but it is a bit early to do this. You certainly would have to send them a letter of claim and give them 14 days.
    • What is the name of the car dealership please – I think you have already been asked this. Also, didn't you record the call? You've been here since 2006 and our customer services guide has been around since almost that time. It is always going to be very difficult to get hold of a recording of a conversation which Incriminates the company that you are trying to retrieve it from.
    • Hi.   While we're waiting for the experts, can I ask a couple of questions please?   Can you tell us which documents you've returned to the police? I assume you've admitted to being the driver.   Are you saying you were never asked to produce your licence and insurance at a police station? I don't know if it's still called an HORT/1 but that's what I was given when I needed to show documentation.   I've put some numbering into your first post for the various points you've raised.   HB
  • Our picks

andrew1402

lowell Claimform - OH's old EON util debt ***Claim Discontinued***

Recommended Posts

Already advised in my last post....I really cant make it any clearer...


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 OTHERS

 

 Have we helped you ...?         Please Donate button to the Consumer Action Group The National Consumer Service

 

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

Share this post


Link to post
Share on other sites

I understand paragraph 5 and what you advised I'm just trying to clarify the situation basically I'm saying no to mediation because I dont have enough information about the claim to enter negotiations am ,but still have to complete the N180 form am I correct in saying that?

Share this post


Link to post
Share on other sites

You have to complete the N180 anyway.....whether you agree or not to mediation..otherwise your defence will be struck out and you get a CCJ


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 OTHERS

 

 Have we helped you ...?         Please Donate button to the Consumer Action Group The National Consumer Service

 

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

Share this post


Link to post
Share on other sites

so we agree to the case to being referred to mediation service? and agree that small claims track for this case? and also find an address for a court near me not them I guess as they never filled that bit in

Share this post


Link to post
Share on other sites

you are the defendant, they come to the local court convenient to YOU

if you go search N180 in our search facility up top

we normally advise to agree to mediation [unless the claimants claim is statute barred]

 

you are thus entering into the spirit of the mediation process, 

you continue to agree to it until the actual day of the telephone mediation itself

 

THEN if you have not received enough information from the claimant to make an informed decision 

WHEN the same questions on the N180 form are asked again by the mediation service before it starts

you say NO.

mediation will fail.

the case will be referred to the local court for allocation for a hearing

IF the claimant pay a fee.

they might not

they might discontinue

we cant see into the future.

 

dx

 


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

 

Share this post


Link to post
Share on other sites
5 hours ago, andrew1402 said:

so we agree to the case to being referred to mediation service? and agree that small claims track for this case? and also find an address for a court near me not them I guess as they never filled that bit in

 

The claimant does not fill that in...the defendant completes that section....its allocated to your local county court..you are the litigant defendant.

 

Have you actually read any other threads on the court claim process ?  :classic_ohmy:


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 OTHERS

 

 Have we helped you ...?         Please Donate button to the Consumer Action Group The National Consumer Service

 

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

Share this post


Link to post
Share on other sites

an update of sorts

 

my Mrs received an email from the court saying about times for mediation 9-1 and appointments are first come first served

 

what we can gather no appointment as yet and no more information sent from Lowell

 

if appointment does come in our case

not enough information in our case

all my wife has to say is no to that part

 

am I right?

Share this post


Link to post
Share on other sites

wont be from the court 

but the mediation service...???

 

but, yes you are correct...

 


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

 

Share this post


Link to post
Share on other sites

Maybe, so let me get this straight they go through questionnaire questions first just for us to tell them not received enough information to proceed seems hardly worth it but understand. 

Hopefully we won't have to go to court could do without the stress at the moment.

Share this post


Link to post
Share on other sites

post 162...already explained all this before

dx

 


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

 

Share this post


Link to post
Share on other sites

I know I've slept since then but anyway nothing wrong with a bit of clarification making sure we get it right 

Share this post


Link to post
Share on other sites

update no appointment been made by phone call apparently unable to it's now transferred to County Court Hearing Centre in which we have to await Judges directions which will be sent to us in a notice of allocation 

Share this post


Link to post
Share on other sites

got a few updates i'll post later today

Share this post


Link to post
Share on other sites
On 06/01/2020 at 14:48, andrew1402 said:

got a few updates i'll post later today

here is the documents they are taking to the hearing in May any advice ?

 

docs+tomlin offer.pdf

Share this post


Link to post
Share on other sites

Have you got your Notice of Allocation yet ?


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 OTHERS

 

 Have we helped you ...?         Please Donate button to the Consumer Action Group The National Consumer Service

 

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

Share this post


Link to post
Share on other sites

Std begging they send in every claim

Go read up!!

 

Discontinuance next


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

 

Share this post


Link to post
Share on other sites
41 minutes ago, Andyorch said:

Have you got your Notice of Allocation yet ?

Hearing will be at a court near us in MAY

Share this post


Link to post
Share on other sites

And what date must you comply with the courts directions by?


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 OTHERS

 

 Have we helped you ...?         Please Donate button to the Consumer Action Group The National Consumer Service

 

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

Share this post


Link to post
Share on other sites

not sure what you mean? we had a letter from court of when and where the hearing will be held and saying all documents by each party for the hearing must be in by January 20th and this letter I just uploaded is their documents for hearing and response to that

 

they also not attached the Tomlin Order Agreement 

Share this post


Link to post
Share on other sites

The letter is called a Notice of Allocation n157...that gives you notice of what happens next (directions)...you and the claimant must now prepare a witness statement and prepare any and disclose any documents you wish to rely on at trial.....normally this must be done 14 days before the hearing date....but your letter will confirm the dates....20th Jan I gather from your last post.

 

So start looking at witness statements and start preparing...dont leave it until 18th Jan to ask for advice.


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 OTHERS

 

 Have we helped you ...?         Please Donate button to the Consumer Action Group The National Consumer Service

 

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

Share this post


Link to post
Share on other sites

So youve had their WS Yet??


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

 

Share this post


Link to post
Share on other sites

I'll double check to find that letter but witness statements and documents what documents does my wife give? And what witnesses ?

Share this post


Link to post
Share on other sites

Time to read other threads....the process has been explained 1000s of times.


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 OTHERS

 

 Have we helped you ...?         Please Donate button to the Consumer Action Group The National Consumer Service

 

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

Share this post


Link to post
Share on other sites
Posted (edited)

Which one ? Which process many cases involve different things 

Edited by andrew1402

Share this post


Link to post
Share on other sites

Take your pick from the following.....100s of Lowell claims...litigation process is the same irrespective of the debt type.

 

https://www.consumeractiongroup.co.uk/forum/129-legal-successes/


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 OTHERS

 

 Have we helped you ...?         Please Donate button to the Consumer Action Group The National Consumer Service

 

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

Share this post


Link to post
Share on other sites

Create an account or sign in to comment

You need to be a member in order to leave a comment

Create an account

Sign up for a new account in our community. It's easy!

Register a new account

Sign in

Already have an account? Sign in here.

Sign In Now

  • Recently Browsing   0 Caggers

    No registered users viewing this page.


  • Have we helped you ...?


×
×
  • Create New...