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    • Served on 16 Feb.   On reviewing the MCOL website today for an updated, I noticed that 1) Hermes has aknowledged the claim, but not yet filed a defence, and 2) that I there was a glitch / error on the form. Essentially, it looks like I had accidentally left the "I will send detailed particulars of claim" box ticke (I thought I had unticked it), with the result that the claim section has been truncated, and some extra text has automatcially been added - in red below):   "...Claimant seeks £XXX, plus I will provide the defendant with separate detailed particulars within 14 days after service of the claim form. The claimant claims interest under section 69 of the County Courts Act 1984 at the rate of..."   This is obviously not ideal. Is it better to try to amend the claim somehow, or to just submit a brief POC that a) clarifies that I am seeking £XXX plus costs (which was automatically truncated), and b) sets out my calculation of the £XXX?  
    • Hi   It amazes me how they pass the buck as they don't want to deal with a private homeowner but if the shoe was on the other foot they would be hammering down on you for breach of tenancy.   As this is council housing you need to make a Formal Complaint in writing to the Council Housing about this (as a social housing landlord they have a complaints process they have to follow). you need to exhaust their complaints process. Make sure and title your letter Formal Complaint.   From what you have posted this tree is not just a nuisance but also a Health & Safety risk:   1. The tree being overgrown is now a danger to the occupants/Guest/Visitors to your property   2. The tree has overgrown into the Council Housings Boundaries your property causing damage/endangerment to the occupants/guest/visitors.   3. As the roots of the tree are also overgrown into your property you have concerns that these may be causing/damaging to any underground pipework that may be within the boundray of the property.   4. So far the Councils actions have been to treat their Council Housing tenant as a third class citizen with a private homeowner aloud to cause endangerment/possible damage due to these overgrown trees which are encroaching on your council house property/bounderies.   You also require clarification why you were sent the Healthy Neighbourhood Information which states I have to pay £375 to make a complaint. (make sure and attach a copy of the response that states this cost)   You also require copies of the following:   1. Complaints Policy (not the leaflet) 2. Customer Service Standard (not the leaflet) 3. Health & Safety Policy (not the leaflet) 4. Public Liability Insurance Policy. (not the leaflet) 5. Clarification from you if their is any underground pipeworks running through the bounderies within the garden area (you should have full knowledge of this it being your property/plans) 6. Compensation Policy (not the leaaflet) 7. Equality & Diversity Policy (not the leaflet)   When you get the above policies sit with a pen/pencil/highlighter and take you time reading them and just think to yourself 'DID THEY DO THAT' if not mark it then leave it for a while then do the same again this way you can basically throw/write back stating the haven't followed x policy with which part of that policy and your reason. (you are building evidence to use against them using their own policies. I would also like to refer you to The Local Government (Miscellaneous Provision) Act 1976: http://www.legislation.gov.uk/ukpga/1976/57/part/I/crossheading/dangerous-trees-and-excavations     You need to remember yes it is the Council but the Council Housing is a separate entity and is a Registered Social Landlord (RSL)   Is the Council Housing classed as a registered Charity? (what is their registration number whether charity or RSL?)   Also have a wee look at this CAG link:     
    • @rocky_sharma   Fame at last!!   Dunno how much help it would be in your case, but I could try digging out the txt of my defence if you think it might be relevant to your defence. We might hafta do this via PM, then e-mail though if ya wanna go down that route.   Good luck with yours anyway mate.
    • The car finance firm, owned by Provident Financial, voluntarily handed the money to all 5,933 customers potentially affected by the breaches, which occurred between April 1, 2014 and October 4, 2017. It was also fined £2.77m by the Financial Conduct Authority for the way it behaved. The FCA said Moneybarn's actions meant more than 1,400 customers, many of whom were vulnerable, defaulted on their loans after entering into 'unsustainable short-term repayment plans'. This meant that they were punished with extra fees and charges, which many could not afford. https://www.dailymail.co.uk/money/markets/article-8013573/Moneybarn-pays-30m-customers-failing-treat-fairly.html   dx  
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Phillyhing

Adcb/Moriarty PAPLOC Received

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Abu Dhabi Commercial Bank (ADCB) on Tuesday said it has agreed to sell the majority of its India banking portfolio.

The sale to DCB Bank will see the UAE bank exit its operations in India subsequent to the transaction, subject to regulatory approvals.

 

https://amp.arabianbusiness.com/amp/article_listing/aben/banking-finance/427714-abu-dhabi-lender-agrees-to-sell-majority-of-indian-banking-business#referrer=https%3A%2F%2Fwww.google.com&amp_tf=From %1%24s

 

This is why they are chasing so many people ....they are restructuring to ringfence their UAE assets due to the imminent financial collapse in UAE

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Doubt it

theyll never recover enough


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

 

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I got a phone call on Saturday on my private mobile phone.

This call was from Moriarty law ...

 

I had sent my PAP docs back with no e mail address or phone number ..

.they said they had used a tracing company to find my details ...

 

.I have since called them and put in a complaint that they have breached GDPR regs ..

they have now suspended any action pending a full investigation.

 

The agent who called me was not very bright to say the least ..

he wanted me to make an offer of payment even though as I told him it was only an allegation that I owed the money as ADCB had not sent the original paperwork back.....

 

he then told me that they could take me to court even if I had not got a copy of my signed credit agreement ....

I told him to jog on ..

.I'll let you all know the outcome of Moriartys GDPR breach investigation .

 

Unbelievable! I have put a tweet out again for this firm.

My complaints are with the FCA now regarding IDRWW and Coyle so finally something being done.

Keep pushing 

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and?

dx


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

 

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I asked Moriarty to provide details of why they traced my personal phone number as I had already been in contact via letter form .... they could not provide an answer ..

 

I have asked them to provide copies of all the details they hold for me along with a verbaitam voice transcript of the cold call they made.

 

I will await this and then take them to the SRA as they have tried getting me to negotiate on a debt which is only alleged at this point as no evidence has been provided. 

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Did you do a SAR ? 

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SAR ? No I will report them to the SRA as they are governed by them ... 

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A subject access request- to see what detail and data they hold about you

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Ah sorry ...yes I have and they are indeed reluctant to respond ...they contacted originally by letter which I responded too ... but even after we had been in contact they traced my private mobile phone number and cold called me ....

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See if they provide it 

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I have also asked for the telephone voice transcripts ...as they tried getting me to enter into litigation prior to proving the alleged debt ...

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Yeh, keep us update 

 

 

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cant see the point of the sra complaint pers

they've done nothing wrong

 

dx

 


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

 

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So trying to negotiate a re payment on an alleged unproven debt is not outside of the guidelines laid down in the codes of practice as governed by the SRA ?

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no its what these ambulance chasers do.


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

 

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Yes ... they are unscrupulous to say the least ....

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