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    • "We suffer more in imagination than in reality" - really pleased this all happened. Settled by TO, full amount save as to costs and without interest claimed. I consider this a success but feel free to move this thread to wherever it's appropriate. I say it's a success because when I started this journey I was in a position of looking to pay interest on all these accounts, allowing them to default stopped that and so even though I am paying the full amount, it is without a doubt reduced from my position 3 years ago and I feel knowing this outcome was possible, happy to gotten this far, defended myself in person and left with a loan with terms I could only dream of, written into law as interest free! I will make better decisions in the future on other accounts, knowing key stages of this whole process. We had the opportunity to speak in court, Judge (feels like just before a ruling) was clear in such that he 'had all the relevant paperwork to make a judgement'. He wasn't pleased I hadn't settled before Court.. but then stated due to WS and verbal arguments on why I haven't settled, from my WS conclusion as follows: "11. The Defendant was not given ample evidence to prove the debt and therefore was not required to enter settlement negotiations. Should the debt be proved in the future, the Defendant is willing to enter such negotiations with the Claimant. "  He offered to stand down the case to give us chance to settle and that that was for my benefit specifically - their Sols didn't want to, he asked me whether I wanted to proceed to judgement or be given the opportunity to settle. Naturally, I snapped his hand off and we entered negotiations (took about 45 minutes). He added I should get legal advice for matters such as these. They were unwilling to agree to a TO unless it was full amount claimed, plus costs, plus interest. Which I rejected as I felt that was unfair in light of the circumstances and the judges comments, I then countered with full amount minus all costs and interest over 84 months. They accepted that. I believe the Judge wouldn't have been happy if they didn't accept a payment plan for the full amount, at this late stage. The judge was very impressed by my articulate defence and WS (Thanks CAG!) he respected that I was wiling to engage with the process but commented only I  can know whether this debt is mine, but stated that Civil cases were based on balance of probabilities, not without shadow of a doubt, and all he needs to determine is whether the account existed. Verbal arguments aside; he has enough evidence in paperwork for that. He clarified that a copy of a DN and NOA is sufficient proof based on balance of probabilities that they were served. I still disagree, but hey, I'm just me.. It's definitely not strict proof as basically I have to prove the negative (I didn't receive them/they were not served), which is impossible. Overall, a great result I think! BT  
    • Seeking further advice now. The 33 days in which the defendant has to submit a defence expires at 16:00 tomorrow. The defendant has submitted an acknowledgement of service but looking to get the claim awarded by default in failure to submit the defence. This is MoneyClaim Online and can see an option to request a default judgement but believe that is for failure to acknowledge the claim within 14 days??  So being MoneyClaim Online, how do I request the claim be awarded in my favour?
    • Have to agree with the above Health and safety legislation is specific in that the service provider in so far as is reasonably practicable, the health, safety and welfare at work of all his employees and those not in the employ of the business. You claim is like saying you slipped in the swimming pool area while taking a dip. As rightly stated by by the leisure centre, a sports hall has dedicated equipment and you yourself personally have a legal obligation in mitigating danger or injury to yourself by taking account of your immediate surroundings. Where your claim will fail is if it is reasonable and proportionate to impose liability of the Leisure Centre? The answer has to be no.
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      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.

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      OT APPROVED, 365MC637, FAROOQ, EVRi, 12.07.23 (BRENT) - J v4.pdf
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To cut a long story short, I slpit

up with my ex and was offered a

tenancy with the XXXXX council.

However, before I had chance to

take up residence at the property

HE (ex) informed the XXXX council

that he needed rehousing.

What he actually did was give the

council his name and they linked it

with the address of the property

that I was offered.

They then provided him with a

spare set of keys.

The documentation that was

received (addressed to myself and

typewritten).

But HIS name was later added...

in ballpoint pen.

The reason I mention this is because

although there is only one signature

on the original tenancy agreement,

(mine!)they are insisting I have a

"JOINT" tenancy along with him.

They are refusing to let me see

the original tenancy agreement

and have done so on a number of

occasions.

They KNOW there is a debt outstanding.

They KNOW that it came about as a result

of invalid benefit claims HE had pending

while at the property,for which they have

taken ME to court as a "JOINT" tenant.

They have failed to take responsibility

for THEIR actions.

 

In the meantime, I could not get

him out BECAUSE of the wrangle

over the "tenancy"

They know that they have wrongfully

obtained an eviction warrant.

And they are "using" it to threaten ME

with eviction

 

They do NOT want to admit to this

because it would mean they would have

to admit to being in the wrong.

Which I believe they are.

They have even gone so far as to say

that they will NOT remove his name from

the tenancy

Speaks for itself!

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Oh,and plz don't advise me

to go to the C.A.B, I have

already been down that route

and to numerous solicitors, all

of whom have failed to see my

point of view.

The council know that as long as they

stick to the "JOINT" tenancy theory

they ARE safe!

And I know that's a miscarriage of justice!

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Hi

 

I would make an official complaint to the Council - this should be looked at by a different department, so it's independent of the original people making decisions about your tenancy. Your local council should have an official complaints procedure to follow, you should be able to find details on their website, or ring them and state that you want to make an Official Complaint.

 

I would not try the Housing Department again, as they have obviously made their minds up and are unlikely to change it.

 

If they then don't find in your favour (or don't complete their investigation within an acceptable timeframe) make a complaint to the Local Government Ombudsman. The Local Government Ombudsman. Hope this helps

 

cheers

Beccysmum

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Thanks for your response,but

I have aready made an official

complaint to the council.

I have lost count of the number

of trips I have made to the

council offices and the number

of the "estate managers" that

I have seen, who have come and gone,

over the years, in an attempt to get

to the bottom of this, that is why I am

in the position I am in now, because

they have failed in their duty as a

landlord on numerous occasions

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Miss Mermaid

 

if you're making an official complaint to the council you will not be speaking to any estate managers - it is usually the Chief Executives department that deals with an official complaint. The whole point is that your issues are looked at by a completely different department, who are not at all involved. It appears that you have maybe been given the impression that you're making an official complaint when you're not really.

 

If it was an official complaint you should have a letter from a different department, stating their findings. If you only have letters from the Housing Department it has not been dealt with as an official complaint.

 

Have you tried the Local Government Ombudsman already?

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Since I have got nowhere with

the council and keep getting

passed from pillar to post and

being referred back to the

estate manager all the time

wouldn't it be better if I went

straight ahead to the

government ombudsman, and

if so, what would I put in a

letter of complaint ?

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If you've officially complained in writing you can make your complaint to the Ombudsman. Basically you need to write a letter and set out exactly what has happened in date order. Include copies of letters you have written, and copies of letters received in return. The Ombudsman may make a visit to the Council, and inspect their records and speak to staff members. They will also speak to you to get your side of the story, so really you need to ensure that you have all records to hand. Anything said verbally between you and estate staff will not really count (your word against their, and vice versa), but that counts both ways.

 

The best bet is to set it out in diary format -

 

1.1.06 - wrote to Mr X, estate manager, re: etc.

 

15.1.06 - received reply, which answered query a but did not answer query B, etc.

 

You can do the initial application online at The Local Government Ombudsman. Let me know if you need any more assistance.

 

Good luck!

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Also from what you have posted here it sounds as though it has been verbal contact, rather than in writing. With the Council you need to put everything in writing. I would also take everything to their counter, ask for a receipt plus a date stamped copy of any letters you hand in. If you do this they can't claim that they didn't receive items, as you will have copies with their official datestamp on them.

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