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    • Hi DX,   didnt realise defaults cannot hurt renting... I just assumed it did also in fairness. 
    • Which Court have you received the claim from ? Civil national business centre, Northampton       If possible please scan redact and upload a full page copy of page 1 of the claim form. (not the response page or AOS)     Name of the Claimant ? PRA group uk portfolios ltd   How many defendant's  joint or self ? self   Date of issue – top right hand corner of the claim form – this in order to establish the time line you need to adhere to. 14 june 2024   ^^^^^ NOTE : WHEN CALCULATING THE TIMELINE - PLEASE REMEMBER THAT THE DATE ON THE CLAIMFORM IS ONE IN THE COUNT [example: Issue date 01.03.2014 + 19 days (5 days for service + 14 days to acknowledge) = 19.03.2014 + 14 days to submit defence = 02.04.2014] = 33 days in total   Date of issue XX + 19 days ( 5 day for service + 14 days to acknowledge) = XX + 14 days to submit defence = XX (33 days in total)  if your defence filing date falls on a W/End, you must file by friday @4PM     Particulars of Claim   What is the claim for – the reason they have issued the claim? Please type out their particulars of claim in full (verbatim) less any identifiable data and round the amounts up/down. state how many digits the account number has.. The claimant claims the sum of £6823 for an outstanding debt owed. On 29/8/2013 the defendant entered into an agreement with Barclays Bank UK for a credt card under ref *********. On 22/3/21 the defendant defaulted the agreement with an outstanding balance of £7074. On 26/7.22 the debt of £6937 was assigned to PRA Group lts who itself assigned the debt to PRA group UK portfolios ltd on 30/12/23. Notices of assignement were sent to the defendant in accordance with S136 Law and Propert act 1925. The claimant has instructed PRA group UK ltd to act on its behalf in the recovery of the outstanding debt and to pursue litigation on its behalf. Payments of £103 were recieved up to 5/12/23 and adjustments have been applied in the sum of £10, and the claimant claims 1. The sum of £6823.88   What is the total value of the claim? £7378.88   Have you received prior notice of a claim being issued pursuant to paragraph 3 of the PAPDC (Pre Action Protocol) ? yes   Have you changed your address since the time at which the debt referred to in the claim was allegedly incurred? no   Did you inform the claimant of your change of address? n/a Is the claim for - a Bank Account (Overdraft) or credit card or loan or catalogue or mobile phone account? credit card   When did you enter into the original agreement before or after April 2007 ? after   Do you recall how you entered into the agreement...On line /In branch/By post ? don't recall, likely online   Is the debt showing on your credit reference files (Experian/Equifax /Etc...) ?yes   Has the claim been issued by the original creditor or was the account assigned and it is the Debt purchaser who has issued the claim. assigned to purchaser   Were you aware the account had been assigned – did you receive a Notice of Assignment? yes   Did you receive a Default Notice from the original creditor? don't recall   Have you been receiving statutory notices headed “Notice of Sums in Arrears”  or " Notice of Arrears "– at least once a year ? yes   Why did you cease payments? account was marked unenforcable by PRA due to lack of cca   What was the date of your last payment? december 23   Was there a dispute with the original creditor that remains unresolved? no   Did you communicate any financial problems to the original creditor and make any attempt to enter into a debt management plan? yes  
    • Also, what was the cost of the job which you carried out and what was the likely value of the repairs required by the snagging list
    • Thanks for your reply. After you didn't respond to the the paploc, what was their next step? Did they resend the paploc? I feel it's like others have suggested, it's a 'fish' to get someone to respond. Ref the email, I don't think I've ever had one, even when J and P took over with the first round of comms, then I received two within in a few days (both with same info) and a few days later, the J and P paploc. Any guesses what they're thinking changing between J and P to IDR and vice versa?
    • Please explain what you mean when you say that he hadn't followed pre-action protocols. How much of the original spec that you worked to do you have in writing.  Do you have photos? What other written evidence do you have?    
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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 
      • 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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The sub-postmasters scandal


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The issue is the changes and complexity of the interface to the PO board - especially the  guvs 'shareholder'. 

but all that aside, Vennells and the project sparrow board members MUST have known and evidence seems to be clearly saying they did - whether they claim to have not heard it/not read it/forgotton/whatever - it was their business and duty to know - and be responsible unlessd they were clearly INSTRUCTED otherwise - and those redacted minutes need to be unredacted.

 

The Tory Legacy

Record high: Taxes, Immigration, Excrement in waterways, energy company/crony profits

Crumbling: Hospitals, Schools, council services, businesses and roads

If only the Govt had thrown a protective ring around care homes

with the same gusto they do around their crooked MPs

 

However bad you think things are ..

Could be worse - could be Farage

Has he moved to clacton yet?

 

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Posted (edited)

We need to always remember that

1. The PO and Fujitsu knew of issues with the software causing shortfalls since 1999 - and their representatives lied and/or were instructed to say things which simply were known to be false in court during SPM prosecutions and to SPMs before those prosecutions

2. The post office not only knew that fujitsu had secret (seemingly entirely un-logged) remote access - and at some stages had a room full of people secretly (from SPMs) amending SPM accounts since 2014 -   and they also LIED IN COURT ABOUT IT

 

Prosecutions will hopefully start soon - once we get the criminals trying to hinder justice out of power

Edited by tobyjugg2

The Tory Legacy

Record high: Taxes, Immigration, Excrement in waterways, energy company/crony profits

Crumbling: Hospitals, Schools, council services, businesses and roads

If only the Govt had thrown a protective ring around care homes

with the same gusto they do around their crooked MPs

 

However bad you think things are ..

Could be worse - could be Farage

Has he moved to clacton yet?

 

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I think there would be public support for court cases. You would imagine they would be looking at perjury and perverting the course of justice for a start.

Not to mention clogging up the courts with SPM cases that were based on dodgy evidence. I don't think that's a crime though.

Illegitimi non carborundum

 

 

 

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Big issue is the way the crims poopish have created and managed the 'enquiry' (sic certainly not an Inquiry) - not statutory, Vennells et al no requirement to answer owt or even attend ... innit?

- let alone the UKGI 'interface PO board <-> Guv

and they left Vennels et al largely in place until forced out by public opinion - who the heck leaves the causes in place to correct - well apart from other crims? (see also Cressida Dick)

 

 

 

 

 

The Tory Legacy

Record high: Taxes, Immigration, Excrement in waterways, energy company/crony profits

Crumbling: Hospitals, Schools, council services, businesses and roads

If only the Govt had thrown a protective ring around care homes

with the same gusto they do around their crooked MPs

 

However bad you think things are ..

Could be worse - could be Farage

Has he moved to clacton yet?

 

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Lets also not forget that 3 YEARS ago, on top of all the prior years of delay, obfuscation and avoidance ..

The government will not extend the remit of its inquiry into the sub-postmasters scandal.

"Business Minister Paul Scully rejected such calls saying it is important the inquiry reaches a swift conclusion.

He believes the current inquiry will deliver that more rapidly than would starting a new statutory inquiry."

 

WWW.BBC.CO.UK

Labour calls to widen remit of inquiry rebuffed by in interests of swift conclusion.

 

The Tory Legacy

Record high: Taxes, Immigration, Excrement in waterways, energy company/crony profits

Crumbling: Hospitals, Schools, council services, businesses and roads

If only the Govt had thrown a protective ring around care homes

with the same gusto they do around their crooked MPs

 

However bad you think things are ..

Could be worse - could be Farage

Has he moved to clacton yet?

 

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There has to be Ministerial collusion looking at all the evidence so maybe  past Ministers should join Vennells and others in the dock?

  • I agree 2

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The bailiff: A 12th Century solution re-branded as Enforcement Agents for the 21st Century to seize and sell debtors goods as before Oh so Dickensian!

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Dan Neidle and the Horizon Compensation Advisory Committee both wrote to the SRA about the Post Office and their lawyers using misleading terms in correspondence with SPMs. They asked them to act and the SRA has sent this.

image.png

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Illegitimi non carborundum

 

 

 

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For posterity

 

 

 

WWW.DAILYMAIL.CO.UK

Paula Vennells on Post Office Scandal: 'No evidence of miscarriages of justice'. Archive footage of Paula Vennells in 2015 stating 'There...

 

She needs to be in jail

 

 

  • Thanks 1

The Tory Legacy

Record high: Taxes, Immigration, Excrement in waterways, energy company/crony profits

Crumbling: Hospitals, Schools, council services, businesses and roads

If only the Govt had thrown a protective ring around care homes

with the same gusto they do around their crooked MPs

 

However bad you think things are ..

Could be worse - could be Farage

Has he moved to clacton yet?

 

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She does TJ along with others even that Lib Dem ex Minister Ed Davey should go to jail.

We could do with some help from you.

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The bailiff: A 12th Century solution re-branded as Enforcement Agents for the 21st Century to seize and sell debtors goods as before Oh so Dickensian!

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I've yet to see any evidence that davey should go to jail - at least before every PO minister since. Anyone want to present some?

Like certain people dissing Blair for Iraq - when the finger at the source of the disinformation he and America used is pointed quite squarely at Netanyahu, and that is him specifically NOT mossad as Netanyahu (allegedly) tried to fire up a western assault on Iraq, Iran and Syria - and largely succeeded.

The Tory Legacy

Record high: Taxes, Immigration, Excrement in waterways, energy company/crony profits

Crumbling: Hospitals, Schools, council services, businesses and roads

If only the Govt had thrown a protective ring around care homes

with the same gusto they do around their crooked MPs

 

However bad you think things are ..

Could be worse - could be Farage

Has he moved to clacton yet?

 

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- and to be clear - as I have been before - despite war being a horror I think the war against Saddam was necessary even if some of the touted reasons were highly questionable (there were enough real reasons) and the corrupt and damaging aftermath was wrong in almost all ways.

Syria was another matter.

The Tory Legacy

Record high: Taxes, Immigration, Excrement in waterways, energy company/crony profits

Crumbling: Hospitals, Schools, council services, businesses and roads

If only the Govt had thrown a protective ring around care homes

with the same gusto they do around their crooked MPs

 

However bad you think things are ..

Could be worse - could be Farage

Has he moved to clacton yet?

 

Link to post
Share on other sites

Posted (edited)
12 hours ago, brassnecked said:

There has to be Ministerial collusion looking at all the evidence so maybe  past Ministers should join Vennells and others in the dock?

 

I think Vennells in the dock would be the catalyst for the BEIS and UKGI interfaces being named and what they knew and instructed - then them in the dock - could define what ministers did

.. which is why she isnt IMO

Edited by tobyjugg2

The Tory Legacy

Record high: Taxes, Immigration, Excrement in waterways, energy company/crony profits

Crumbling: Hospitals, Schools, council services, businesses and roads

If only the Govt had thrown a protective ring around care homes

with the same gusto they do around their crooked MPs

 

However bad you think things are ..

Could be worse - could be Farage

Has he moved to clacton yet?

 

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so who would have expected a company the size of the PO to get discounts and special rates to handle/manage the vast sums that go through it?

... rather than pay a couple of million to 'consultants' to advise them?

 

Malik Karim, who has given the Conservatives £1.6m since 2014, won two major deals last year through his finance firm Fenchurch Advisory, which were worth £1.5m and £175,000 respectively.

Documents uncovered by this publication show Fenchurch was handed the payments to offer the beleaguered Post Office “advice on banking services and the retail banking market”.

 

WWW.INDEPENDENT.CO.UK

Malik Karim, who has given the Conservatives £1.6m in donations, won £1.7m of government contracts through his finance firm...

 

Untitled-design-9.png?w=600&ssl=1

 

The Tory Legacy

Record high: Taxes, Immigration, Excrement in waterways, energy company/crony profits

Crumbling: Hospitals, Schools, council services, businesses and roads

If only the Govt had thrown a protective ring around care homes

with the same gusto they do around their crooked MPs

 

However bad you think things are ..

Could be worse - could be Farage

Has he moved to clacton yet?

 

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Share on other sites

Posted (edited)

Interesting that the Badenough v Staunton tiff seems to have faded away - no doubt to try to prevent a Conservative ex SPM running against her Tory safe seat at the upcoming GE?

 

More on Complaints about culture under Read  (NOT Staunton)

How strange Badenough NOT addressing this after jumping so hard on the Staunton fake news - err her fake news that is

 

WWW.TELEGRAPH.CO.UK

Nine grievances filed against senior ranks since Nick Read became chief executive

 

WWW.PRESSREADER.COM

Digital newsstand featuring 7000+ of the world’s most popular newspapers & magazines. Enjoy unlimited reading on up to 5...

 

Edited by tobyjugg2
  • Thanks 1

The Tory Legacy

Record high: Taxes, Immigration, Excrement in waterways, energy company/crony profits

Crumbling: Hospitals, Schools, council services, businesses and roads

If only the Govt had thrown a protective ring around care homes

with the same gusto they do around their crooked MPs

 

However bad you think things are ..

Could be worse - could be Farage

Has he moved to clacton yet?

 

Link to post
Share on other sites

Posted (edited)

and when is banenough being pulled up for other instances of 'misleading Parliament' ?

Example:

"The business secretary told MPs “explicitly” last month that talks with Canada were “ongoing”, as a March cliff-edge for British carmakers approaches.

But the Canadian high commissioner to the UK, Ralph Goodale, wrote to the House of Commons business select committee to insist that such talks had not taken place, the Financial Times reported."

 

Badenough was rumored to have muttered:

'Well there was this canadian visitor chap in the foyer who said to me 'lovely place, do you work here' and I said something like 'Our countries have a great partnership' before I hurried off. That should count.

 

Edited by tobyjugg2

The Tory Legacy

Record high: Taxes, Immigration, Excrement in waterways, energy company/crony profits

Crumbling: Hospitals, Schools, council services, businesses and roads

If only the Govt had thrown a protective ring around care homes

with the same gusto they do around their crooked MPs

 

However bad you think things are ..

Could be worse - could be Farage

Has he moved to clacton yet?

 

Link to post
Share on other sites

Posted (edited)

Interesting that when you do a google search on badenogh Staunton limited to last few days - there are a number removed due to 'privacy'/complaint issues inc farcebork - so leaping across to look via california and doing the same search .. lol

This looked ripe ...

 

Great visit to Smudgeonline with Cllr... - Kemi Badenoch MP


 
Are you going to apologise to Mr Staunton before you're sacked or after you're sacked?
 
 
Should be in the UK searches somewhere - but there does seem to be 'interference' errr 'different priorities' in the UK searches
Edited by tobyjugg2

The Tory Legacy

Record high: Taxes, Immigration, Excrement in waterways, energy company/crony profits

Crumbling: Hospitals, Schools, council services, businesses and roads

If only the Govt had thrown a protective ring around care homes

with the same gusto they do around their crooked MPs

 

However bad you think things are ..

Could be worse - could be Farage

Has he moved to clacton yet?

 

Link to post
Share on other sites

So, even we have seen unequivocal evidence that Vennels knew, even before the release of the tapes by ITV & C4 news

So when is the BBC going to release the unredacted sparrow minutes they've had for some time?

I mean, its not like its a statutory enquiry or anything with powers .. yet

  • I agree 1

The Tory Legacy

Record high: Taxes, Immigration, Excrement in waterways, energy company/crony profits

Crumbling: Hospitals, Schools, council services, businesses and roads

If only the Govt had thrown a protective ring around care homes

with the same gusto they do around their crooked MPs

 

However bad you think things are ..

Could be worse - could be Farage

Has he moved to clacton yet?

 

Link to post
Share on other sites

You would have to think why someone was recording the various meetings. I doubt it was standard practice and therefore the people now being exposed most likely never thought they would be caught out not answering questions accurately.

I suspect that there are more stories to come, because there must have been a lot of people aware of major failings with the Post Offices IT system at the time.  Hopefully Dan Niedle will find out the extent of the problems and reveal these.

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I think Dan Neidle is looking at specific aspects of the case, UB. Other people are also trying hard, ITV News and Nick Wallis are working on it and Channel4 has shown a recording or two.

I was quite surprised too about there being recordings but it's a good thing they've come out now.

Illegitimi non carborundum

 

 

 

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Obviously the person recording thought there was a need for the recording to protect their own ass?

The Tory Legacy

Record high: Taxes, Immigration, Excrement in waterways, energy company/crony profits

Crumbling: Hospitals, Schools, council services, businesses and roads

If only the Govt had thrown a protective ring around care homes

with the same gusto they do around their crooked MPs

 

However bad you think things are ..

Could be worse - could be Farage

Has he moved to clacton yet?

 

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