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    • Particular's of claim for reference only 1. the claim is for the sum of £6163.61due by the defendant under an agreement regulated by the consumer credit act 1974 for hsbc uk bank plc. Account (16 digits) 2. The defendant failed to maintain contractual payments required by the agreement and a default notice was served under s 87(1)  of the consumer credit act 1974 which as not been compiled with. 3. The debt was legally assigned to the Claimant on 23/08/23, notice on which as been given to the defendant.  4. The claim includes statutory interest under S.69 of the county courts act 1984 at a rate of 8% per annum from the date of assignment to the date of issue of these proceedings in the sum of £117.53 the Claimant claims the sum of £6281.14. Suggested defence 1. The Defendant contends the particulars of the claim are generic in nature. The Defendant accordingly sets out its case below and relies on CPR r 16.3 (3) in relation to any particular allegation to which a specific response has not been made. 2. The claimant has not complied with paragraph 3 of the PAPDC (Pre action protocol) failed to serve a letter of claim pre claim pursuant to PAPDC changes of the 1st of October 2017. It is respectfully requested that the court take this into consideration pursuant 7.1 PAPDC. 3. Paragraph 1 is noted. I have in the past had financial dealings but do not recognise this specific account number or recollect any outstanding debt and have therefore requested clarification. 4. Paragraph 2 is denied. I have not been served with a default notice pursuant to the consumer credit act 1974. 5. Paragraph 3 is denied. i am unaware of any legal assignment or notice of assignment. A copy of assignment was sent by Overdales solicitors when acknowledgement of receipt of CPR request was received, but this was not the original.   6. Paragraph 4 is denied. Neither the original creditor or the assignee have served notice pursuant to sec86c of the Credit Consumer Act 1974 Notice of Sums in Arrears and therefore prevented from charging interest on debt regulated by the CCA1974. 7. The defendant submitted a request for a copy of the alleged agreement pursuant to s78 CCA 1974. The claimant has acknowledged receipt of request but has failed to comply. The claimant has failed to provide any evidence of balance or Default Notice requested by CPR 31.14 8. It is therefore denied with regards to defendant owing any monies to the claimant. therefore the claimant is put to strict proof to:  a.  Show how the defendant has entered into an agreement with HSBC. b.  Show and evidence the nature of breach and service of a Default notice pursuant to section 87 (1) CCA 1974. c.  Show and quantify how the defendant has reached the amount claimed for. d.  Show how the claimant has the legal right, either under statute or equity  to issue a claim. 8.  As per civil procedure rule 16.5 (4) it is expected claimant prove the allegation that the money is owed. 9.  Until such time the claimant can comply to a section 78 request he is not entitled, while the default continues, to enforce the agreement 10. By reasons of the facts and matters set out above, it is denied that the claimant is entitled to the relief claimed or any relief.     .
    • OK, well rereading the court orders from March, in the cold light of day rather than when knackered late at night, it is quite clear that on 25 June there will only be a preliminary hearing about Laura representing her son.  Nothing more. It's lazy DCBL who haven't read things properly and have stupidly sent their Witness Statement early. Laura & I had already been working on a WS, and here it is.  It needs tweaking now after reading the rubbish that DCBL sent and after all of LFI's comments.  But the "meat" is there. Defendant's WS - version 1.pdf
    • Morning, I purchased a car from Big Motoring World on 10th December 2023 for £14899.00. On the 15th December I had a problem with the auto start stop function of the car in which the car would stop in the middle of the road with a stop start error message. I called the big assist and the car was booked in for February. The BMW was with them for a week and it came back with the auto stop start feature all fine and all error codes cleared on the report from big motoring world. within 5 days I had the same issue. Warning light coming on and the car stopping. I called big assist again and the car was again booked in for an other repair in May. Car was taken back in may, they had the car for a week and returned with the report saying no issue with the auto stop start feature and blamed my driving. Within 5 days of having the car back it broke down again. This time undrivable. I had the rac pick my car up and take to Stephen James BMW for a full diagnostic. The diagnostic came back with the car needing a new fuel system as magnetic swarf was found.  I have sent big motoring world a letter stating all the issues and that under the consumer rights act 2015 I have asked for a replacement vehicle. all reports from Stephen James BMW have been sent over to big motoring world. Big motoring world have come back and said they will respond to my complaint within 14 days for the date of my complaint letter. I am not feeling confident on the response from them, what are my next steps?   Thanks in advance. 
    • That is really good is that a mistake last off "driver doesn't have a licence" I assume that should be keeper? The Court requested me to send the Court and applicant proof of my sons disability from their GP this clearly shows he has Severe Mental Impairement, he is also illiterate.  I naively assumed once the applicant received this that they would drop the claim.  It offends me that Bank has asked the Judge to throw the case out at the preliminary hearing and to make us pay up.
    • Hi, we are looking to get some opinions on weather or not to bother fighting this PCN. This comes from a very big retail park parking where there are restaurants, hotel, amongst other businesses. The parking is free but I suppose there must be a time limit on it that I am not aware of. We were in the area for around 4 hours. Makes us wonder how they deal with people staying in the hotel as the ANPR is on what appears to be a publicly maintained street (where london buses run) which leads to the different parking areas including the hotel.  1 Date of the infringement 26/05/2024 2 Date on the NTK  31/05/2024 3 Date received 07/06/2024 4 Does the NTK mention schedule 4 of The Protections of Freedoms Act 2012? [Y/N?]  YES 5 Is there any photographic evidence of the event? Entry and exit photos however, based on the photographs we are almost sure the photos are taken on public street. This is the location I believe photos are taken from.  https://maps.app.goo.gl/eii8zSmFFhVZDRpbA 6 Have you appealed? [Y/N?] post up your appeal] No Have you had a response? [Y/N?] post it up N/A 7 Who is the parking company? UKPA. UK Parking Administration LTD 8. Where exactly [carpark name and town] The Colonnades, Croydon, CR0 4RQ For either option, does it say which appeals body they operate under. British Parking Association (BPA) Thanks in advance for any assistance.  UKPA PCN The Collonades-redacted.pdf
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Refused boarding by Ryanair - MCOL - sorry it's long!


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Here is the back story:

 

Booked

11th September 2021

Travel Date

24th September 2021

Travelling      

2 fully vaccinated adults with vaccination certificates
1 unvaccinated 13 year old
1 unvaccinated 8 year old
Paperwork        

2 NHS vaccination certificates both expiring 11th October 2021
1 PCR negative test certificate for 13 year old
4 Spanish QR codes passenger locator forms

 

Story

We arrived at Birmingham Airport after having checked all entry requirements continuously in the run up to travelling. We were staying at the Novotel Birmingham Airport when we received an email at 5.45am on the day of travel  reminding us to check we had all the correct paperwork necessary to travel. The email contained a link to the Spanish Government website which stated that PCR tests for unvaccinated travellers need to be taken within 72 hours of arrival in Spain. We were due to arrive at 12.40pm on Friday 24th September and the date/time of swab was Tuesday 21st September at 15.30hrs which was 69 hours, giving us 3 hours comfort room within the 72 hour timescale. My parents reside in Fuerteventura so we are well versed with the rules and regulations.

 

There was one agent on duty at the boarding gate and we were the third party in the queue. A couple in front of us were denied boarding as they had failed to complete the Spanish QR codes and were unable to locate their proof of vaccination so this delayed the start of boarding. The Swissport agent checked our paperwork and asked us if we realised there had been a change in the rules in the past 24 hours and that PCR tests now had to be taken within 48 hours of arrival in Spain. We said that we were not aware and she then told us we could not travel using the PCR certificate we presented as it was outside the permitted timescale. She asked us to stand to one side whilst she boarded the other passengers.  When we asked her to call a supervisor or manager, she told us she would have to email them but “couldn’t guarantee one would come”. 

 

Our flight was due to depart at 8.30am and boarding did not commence until 8am, there was one agent alone managing the desk and by the time she had checked the entire queue, the gate was marked as closed. She then proceeded to show us “official correspondence” confirming that the rules were now 48 hours and not 72. We showed her various pieces of information, including the official government website for Spain, the UK government website and various links sent to us by Ryainair. The handling agent then told us she had made a note on our booking to say that we had the correct relevant paperwork and had been unaware of the change in rules regarding the timings which should make it easier to get a refund. We later discovered from Ryanair that the note on our reservation in fact states “the test results were out of time”.

 

We were then escorted out of the airport, along with the other couple refused boarding plus another gentleman who had been off-loaded from the flight. The humiliation of this was awful and made worse by having to console two very upset children, one of whom (the 13 year old) is autistic and was so upset to think that it was her test results which had caused us to be unable to travel.  We spend a lot of time in the run up to a trip discussing it with our daughter, we have to go over the plans, explaining what will happen and what she can expect. She has to be comfortable with the arrangements and any sudden change in arrangements is extremely distressing for her. This is why we always check and double check we have the correct paperwork in place so that we are confident of everything before we travel.

 

We were later made aware by a Swissport representative (Joanne) that there were other families who had been affected by this sudden rule change when we returned to the Swissport desk to enquire about the situation. Since this situation, it has been confirmed in an email from the Spanish government that there has been no such update and the rule of 72 hours for PCR tests still applies.

 

I started a MCOL on 6th June 2022, RA have defended the claim, claim has been transferred to our local court, we are awaiting case management directions.

 

Any advice for me? Is it good news the case has been transferred as I was under the impression that mostly the defendant gets to choose the court.

 

Any help welcomed!
 

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That sounds horrific - especially for the children.

 

On what basis are Ryanair trying to defend?

We could do with some help from you.

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They are saying that the test should have been taken within 24 hours so are therefore disputing that we were given  incorrect information.

 

Our teen is autistic and the humiliation was just too much, coupled with the fact that we were flying out to surprise my mum whom we had not seen throughout lockdown, they were devastated

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Well you seem to have made excellent progress going through the court system as far as getting the claim transferred to your local court, as well as gathering evidence including an e-mail form the Spanish government.

 

At some point you will get an order from the court with a hearing date, and 14 days before that you will have to file a Witness Statement outlining your side of the story.

 

I too went to Spain during QR/PLF time (as well as Germany, Cyprus, Croatia and Austria).  Most countries had sites where a constant updating of COVID rules for visitors were shown.  It should be fairly simple, if a little time consuming, to look up all the regulations for visitors to Spain in 2021 and dates when they changed, to show to the judge.

We could do with some help from you.

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I have all of that evidence, ironically, RA would always link to the Spanish government site which clearly stated 72 hours plus I have an email from the government confirming this. I am hoping RA will make us an offer of settlement. I am assuming it will cost them a fair whack to get a barrister to deepest, darkest West Wales

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Well you look home and dry.  I'm bemused as to why they are even defending.  Surely it can't take much for them to look up the Spanish regulations for September 2021 and see you're right.

 

When you mention "make us an offer", do you mean you've opted for mediation?

We could do with some help from you.

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Well at mediation you should stick to your guns.  You have absolute proof that you're right and they're wrong.  You want payment in full.  Alternatively later at the court hearing you will point out to the judge their unreasonable behaviour in defending when there is no defence and request extra costs.

We could do with some help from you.

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  • 1 month later...

FURTHER UPDATE we now have a hearing date, 16th December, at our local court. We have received their evidence pack which is a one page screenshot of their website advising travellers to check rules of destination country. I've submitted everything I have including a copy of the BOE, an email from the Spanish government,  etc.

 

Ryanair gave now asked for a remote hearing "due to lack of counsel availability" but I haven't seen a response from the court yet. They declined mediation, I'm still holding out gor a settlement prior to the hearing date.

 

A few questions...

  • Can they offer a lesser settlement and would we be silly to refuse this?
  • how close to the hearing data are they likely to offer a settlement if they choose that route?
  • if the court agrees to a remote hearing, can I still attend in person?

Thanks in advance!

Louise

 

 

Edited by refusedboarding
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I think this is excellent news.  Their case is rubbish.  You have clear proof you did check the rules of destination country and did everything right.

 

To answer your questions:

 

1.  Yes they can before the hearing, not during.  Whether a refusal is "silly" depends on how much they offer and how strong your case is.  You seem to have an extremely strong case and personally i would stick to my guns. 

 

2.  No idea.  You may well hear nothing.

 

3.  No, what the judge decides goes.

 

So am i right in understanding that you have submitted a Witness Statement with exhibits?

We could do with some help from you.

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 In answer to your question, yes I have submitted my witness statement with exhibits, these include:

  1. my flight itinerary
  2. email from RA with link to Spanish government website
  3. screenshot of Spanish government website showing PCR test is required within72 hours 
  4. PCR test result certificate with date and time clearly shown
  5. copy of email from Spanish Government Travel Health team confirming 72 hours
  6. copy of official BOE from Spain confirming timescale

 

Edited by dx100uk
unnecessary previous post quote removed
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why don't you ring the court and ask?

because if they have changed it to a video hearing then it's usual you have to register phone numbers etc for that and also test things work by them giving you the portal details.

 

pers i doubt it.

 

dx

 

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

DCA's view debtors as suckers, marks and mugs

NO DCA has ANY legal powers whatsoever on ANY debt no matter what it's Type

and they

are NOT and can NEVER  be BAILIFFS. even if a debt has been to court..

If everyone stopped blindly paying DCA's Tomorrow, their industry would collapse overnight... 

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This is their breakdown

 

I have receipts for every item on my breakdown

 

These are the costs stated:

 

Counsel’s fee for advising on,
preparing for, and appearing
at hearing on 16 December
2022

£400+VAT for the
Hearing: £480
Travel expenses: £60
Total: £540

 

Solicitors 1. Defence - £350
(fixed fee) from
10/06/2022.
2. Please see attached
schedule for
27/10/2022.

£350 plus VAT: £420.00
£259.00 plus VAT:
£310.80

Edited by refusedboarding
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https://www.justice.gov.uk/courts/procedure-rules/civil/rules/part27#27.14


CPR 27.14

counsel’s fees for small claims track?

you’d have to:

a) lose, and even then

b) have to have behaved unreasonably,

for them to stand a chance.

 

I suspect they are “Willy-waving”.

Bring it to the judge’s attention and wonder out loud if the person who attached the statement of truth to it was:

a) trying to mislead you, or

b) trying to take advantage of you being self-represented, or

c) they made a mistake by not appreciating the costs implications of the small claims track, but if this is the case, should their costs application be rejected in it’s entirety even if they win!

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That’d be another grounds to oppose such a costs schedule : wholly disproportionate to the value of the claim.

 

Unless, of course, the barrister isn’t going to turn up, on the basis of “inability, as the application to have the case heard remotely was turned down”. Shocked, I’d be, if they went for such shenanigans!!

Edited by BazzaS
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Bazza is right.  They are allowed about £50 legal costs.  They are trying to frighten you.

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