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    • extension? you mean enforcement. after 6yrs its very rare for a judge to allow enforcement. it wont have been sold on, just passed around the various differing trading names the claimant uses.    
    • You believe you have cast iron evidence. However, all they’d have to do to oppose a request for summary judgment is to say “we will be putting forward our own evidence and the evidence from both parties needs to be heard and assessed by a judge” : the bar for summary judgment is set quite high! You believe they don't have evidence but that on its own doesn't mean they wouldn't try! so, its a high risk strategy that leaves you on the hook for their costs if it doesn't work. Let the usual process play out.
    • Ok, I don't necessarily want to re-open my old thread but I've seen a number of such threads with regards to CCJ's and want to ask a fairly general consensus on the subject. My original CCJ is 7 years old now and has had 2/3 owners for the debt over the years since with varying level of contact.  Up to last summer they had attempted a charging order on a shared mortgage I'm named on which I defended that action and tried to negotiate with them to the point they withdrew the charging order application pending negotiations which we never came to an agreement over.  However, after a number of communication I heard nothing back since last Autumn barring an annual generic statement early this year despite multiple messages to them since at the time.  at a loss as to why the sudden loss of response from them. Then something came through from this site at random yesterday whilst out that I can't find now with regards to CCJ's to read over again.  Now here is the thing, I get how CCJ's don't expire as such, but I've been reading through threads and Google since this morning and a little confused.  CCJ's don't expire but can be effectively statute barred after 6 years (when in my case was just before I last heard of the creditor) if they are neither enforced in that time or they apply to the court within the 6 years of issue to extend the CCJ and that after 6 years they can't really without great difficulty or explanation apply for a CCJ extension after of the original CCJ?.  Is this actually correct as I've read various sources on Google and threads that suggest there is something to this?.
    • whats the court claimform for? return of goods order? please complete this:  
    • std DWF letter. typically £157 something. lots of them here already doesn't say WILL anything. read it properly dx  
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    • If you are buying a used car – you need to read this survival guide.
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    • 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 
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    • Housing Association property flooding. https://www.consumeractiongroup.co.uk/topic/438641-housing-association-property-flooding/&do=findComment&comment=5124299
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    • 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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Customer Relastions F+FS Offer received


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After sending DPA request and intention to sue for return of charges I received a letter today from Halifax Customer Relations. The snippetts are as follows.

 

They say as a gesture of goodwill and to save me my £10 they have listed charges for free (total £330 going back over 4 years)

 

They offered me £60 as more goodwill if I signed the enclosed gagging clause and accepted all future charges.

 

They could shut my account if I continue to mismanage it.

 

Parachute account opened and LBA prepared for despatch until I get all my charges back.I can post the full letter if anyone is interested.Thanks to everyone on this forum for their help !!!

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I can`t believe their attitude to their customers, most if not all the replies people have had from the Halifax is the same, can we not inform the OFT of the Halifaxs action better still close them down let them know what its like

:) Go on ... you know you want to click me :)

:lol:don't be like the banks - give a little back :lol:

:D There was a time before CAG but now CAG is here we are the empowered! :D

In progress:

Mechs and Mother (deceased) V Halifax - N1 form filed at Court 9 Aug 06

Advice & opinions of mechs, The Consumer Action Group and The Bank Action Group are offered informally, without prejudice & without liability. Seek advice of a qualified insured professional if you have any doubts.

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  • 2 weeks later...

Wait. :D

 

They have to file what is called an Acknowledgement of Service (AoS) within 14 days of the date of service of the claim.

 

Was your claim issued or served on the 8th May? If that's the date of issue check with the court for the date of service.

 

If they haven't filed an AoS within 14 days from the date of service then you can apply for judgment. However, they probably will and will say they intend to defend. Don't be put off - this merely buys them another 14 days in which to file a Defence or settle up - that's 28 days from the date of service of the claim form.

 

In all cases I've read here so far they've paid up during that 14-28 day period.

  • Confused 1

[FONT=Arial][SIZE=1]Proceedings issued....and acknowledged. [/SIZE][/FONT] [FONT=Arial][SIZE=1]Counting down to the 21st....[/SIZE][/FONT] [URL="http://thebighub.co.uk"]http://thebighub.co.uk[/URL]

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Wait. :D

 

They have to file what is called an Acknowledgement of Service (AoS) within 14 days of the date of service of the claim.

 

Was your claim issued or served on the 8th May? If that's the date of issue check with the court for the date of service.

 

If they haven't filed an AoS within 14 days from the date of service then you can apply for judgment. However, they probably will and will say they intend to defend. Don't be put off - this merely buys them another 14 days in which to file a Defence or settle up - that's 28 days from the date of service of the claim form.

 

In all cases I've read here so far they've paid up during that 14-28 day period.

 

Thanks for that, love (Hoping my Welsh is correct! lol) I was unsure about this too. For that you earn a scales click. Cheers!

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Received AOS from Northampton CC today and A O'Brien (RAH) has indicated on the form that Halifax intend to defend all of this claim.

 

What happens next, do I just sit it out and hope they cough up or by myself a new suit for the court appearance

 

thaks

 

 

Richard

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I'm confused (nothing new there then)

I filed on 03/05, my return date is 30/06 and hearing date is 07/07, what is my date of service????:confused:

Halifax acc 1: 1st request letter sent 20/4/2006

LBA sent 27/04/2006

1st action filed Kirkcaldy Sherriff court 03/05/06

 

Halifax acc2 (closed): 1st request sent 03/05/06

LBA sent 11/05/06

Capital 1: 1st request sent 11/05/06

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Sorry for starting a new thread but today I received the standard

"It will cost us too much to defend this claim so we are giving you your charges +interest+court cost back"

 

YIPPPEEE, only £497 (paid into my account today) but a large victory for me.

 

Donated to site and filled in survey.

 

Please dont give up and you WILL get your money back

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:D Congratulations Jimmy! Well done and enjoy not only the money but the pure satisfaction of taking on the bank and WINNING!!!! :D We can't wait until we get that satisfactory feeling too :lol:

:) Go on ... you know you want to click me :)

:lol:don't be like the banks - give a little back :lol:

:D There was a time before CAG but now CAG is here we are the empowered! :D

In progress:

Mechs and Mother (deceased) V Halifax - N1 form filed at Court 9 Aug 06

Advice & opinions of mechs, The Consumer Action Group and The Bank Action Group are offered informally, without prejudice & without liability. Seek advice of a qualified insured professional if you have any doubts.

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well done jimmy, many congratulations

Halifax preliminary letter sent 17/05/06 charges £2661.00

Bog Standard blah blah blah letter received 22nd May 2006.

received lengthy letter dated 24th May 2006 offering £605 pah!

letter before action sent registered 5th June 2006

letter received in response to lba offering £1801.00 errrrr no ta

court action filed 23rd June 2006

deemed served to bank on25th June 2006

notice of acknowledgement of service has been filed

they intend to defend

7th july received letter PAYING IN FULL!!!

 

10th July cash deposit £112.58

10th July cash deposit £2869.00

:D :D :D :D

 

HALIFAX SETTLED IN FULL

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To add to Victory - Ive received the same letter !!!!!!

 

HAPPY, HAPPY DAYS ------!!!!!!

 

lORRAINE

Halifax - Since 2003 £1,186 DPA Request: 24.03.06

PRL - sent Recorded 05.04.06

Letter received 07.04.06 - Thanks but No thanks

LBA - 20.04.06 Refused Money Claim filed 08.05.06

Served 14.05 Acknowledged 16.05.06 - 28 days to go

:D WON - PAID IN FULL 25.05.06

Lloyds [/i]- Since 2000 £780.31 - DPA Request: 23.03.06

PRL - sent recorded 10.04.2006

Letter Rec'd 13.04 - Not interested

LBA - 13.04.06 Money Claim filed 25.04.06

Served 01.05.06 & Acknowledged 03.05.06. - 28 days to go

Defence received 25.05 - Here we go

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Fantastic News. Brilliant feeling isnt it.. I got my letter today :)

 

Dont spend it all at once LOL

GEN

 

Some days you're the bug; some days you're the

windshield.

 

If carlsberg made email addresses... they'd be consumer action group email addresses... probably the best email address in the world !!!

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  • 12 years later...

This topic was closed on 09 March 2019.

If you have a problem which is similar to the issues raised in this topic, then please start a new thread and you will get help and support there.

If you would like to post up some information which is relevant to this particular topic then please flag the issue up to the site team and the thread will be reopened.

- Consumer Action Group

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