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    • Might be worth talking to local Council Housing again about options, if your Mother is unable to occupy the house for a period due to essential repairs being required.  But find out from landlord first whether they can confirm in writing if alternative housing is available while the house is undergoing works.  The landlord might not have any other properties available or is unable to offer any alternative housing options due to covid-19.    The landlord can increase the rent but there are rules regarding this.  See https://england.shelter.org.uk/housing_advice/private_renting/rent_increases   Guidance about homes being fit for habitation.   https://www.gov.uk/government/publications/homes-fitness-for-human-habitation-act-2018/guide-for-tenants-homes-fitness-for-human-habitation-act-2018   Housing is quite a complex area and you might want to contact Shelter the housing charity, if the local Council Housing cannot assist first.     The work to the house is likely to take months and if  it is started in the next few months, given Covid-19 restrictions (social distancing), your Mother might find herself not able to occupy it over the Winter including the Christmas period.   I suspect many contractors such as electricians have a backlog of work due to the lockdown and when the lockdown is lifted, they will prioritise the work they have already agreed to.  The landlord may therefore struggle to arrange the works, unless they have friends who work for them regularly.     
    • Thank you. You haven't told us the value of the car. Also, who did you actually bite from – meaning which company or trading name did you pay the money to – what name appears on the receipt. Also, how did you pay? This has been going on for over two years and I am rather surprised that you've allowed it to go on so long. You probably will have to issue a claim – that it's probably only worth doing if you know that you can enforce the judgement. Have you checked the trust registry for other judgements against this company? https://www.trustonline.org.uk/ unfortunately it costs money to access the database – but I'll bet you that there are a stack of judgements against the company – and it would be interesting to know how many of them are ever enforced. Have you looked on Google and have you looked on trust pilot to see what is being said there? As far as I can see if, the TMO doesn't have any particular powers which means that if they find in your favour and the trader doesn't comply, then you have to bring a full claim and start again. With the financial ombudsman service, there is a fairly direct route to getting a judgement – although of course there is still always the problem of enforcement. I'm quite sure that a court would pay regard to the decision of the TMO and so I'm sure that your chances of success will be much better than 95% – and as I am sure that you have paid more than £600 for this vehicle, you would be able to transfer up to the High Court for enforcement by High Court Enforcement Officers – take a very rigourous approach to enforcement and whose fees are very high – typically £2000 – but to be paid by the defendant if the HCEO execute a successful enforcement. If they are unsuccessful then the cost to you is only about £66.   Will be very happy to help you with your claim and it would be fairly straightforward – but you will have to consider the risk factors which include your claim fee – a hearing fee (unlikely to happen) cost of transfer up to HCEO and the general hassle of doing it all with probably a fairly real chance of being unable to enforce the judgement. I don't know how much the claim fee will be because you haven't told us the value of the vehicle. In exceptional circumstances you can claim litigant in person costs at £19 per hour (I think). These are generally only available in the face of unreasonable behaviour by the defendant – and this may well be an example where the court would apply its discretion in your favour. So if you decide to bring a legal action then you should start trying to work out how much time you have spent on the whole thing – and make sure it is all moderate unjustifiable and not simply a money grab.
    • as long as these fleecers have your correct address then let them willy wave.   dx  
    • It's been a while since I heard from CRS but despite me requesting that they don't use my email address they still opted to send me an email saying they are preparing a file to send to their solicitors to issue a letter of claim because I haven't contacted them.   I sent off a CCA to the debt owners at the end of April but again I am awaiting a response.   No texts yet. Do I sit and wait and see?    
    • chargeback is 120days (total 540 days) - debit cards this is a section 75 under the CCA - credit card there is no limit other than 6yrs limitation.   dx  
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Anthony Taylor v Barclays

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Anthony Taylor v Barclays


Claim number: 6QZ85478

Issued: 20/11/06

Court: Northampton

Charges: £4,998.60

Interest: £446.59

Costs: £250.00

Total Claim: £5,445.19

Very, very nervous. Just ordered the small claims book. Was offered £1,000 from barclays, but declined. Just waiting now.:confused:

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Good Luck, you will do fine. Don't worry about it. I just had an offer and have declined it now. You won't be too far off now.

George Loveless - “We raise the watchword, liberty. We will, we will, we will be free!"


My advice is only my opinion, I am not a legal expert.



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Hello. An update!!


Received my allocation questionnaire today (N150). Bit stuck on filling it in. Have gone through it with the online help. When It states what witnesses do I intend to call, (and I have to put myself), it says 'Witnesses to which facts' , what do i put there???? Also, bit confused with the proposed directions. Should I fill in a list of directions or the CPR part 28 or PF52 and if so where do I find them.


Grateful for any help, probably me, just being a bit dim. Sorry. :o

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Some useful links.


Making Posts

Letter Template Library

Bank Contact Details

AQ Guide to Completion

Court Fees

Data Protection non Compliance

Witness Statements for Court Bundle

Banking Code Website

Limitations Act

Fast Track Costs

A-Z Index

Mis-Claim Tutorial

Step By Step Instructions


Remember: The Ark was built by amateurs-The Titanic by professionals.


Please click my scales if you find my advice helpful !


If your claim is successful, please donate 5% so that it can continue to help others.


Your decisions and actions are your own, and should you be in any doubt, please seek qualified professional legal Help.



Please be aware of acting on advice given by PM .Anyone can make mistakes and if advice is given on the main forum people can see it to correct it ,if given privately then no one can see it to correct it. Please also be aware of giving your personal details to strangers





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Hi Ukaviator.


Yes, already used that when filling in the aq. Still stuck on the two points above tho. The completion guide, makes no reference as to what I put what it asks 'Witness to which facts' box??. Also kinda sorted the proposed questions bit after spending the last three hours reading thru the forums. So much help out there. But on the N150 form, Item F, it asks if I have attached a list of directions. I am going to attach the 'new strategy for allocation questions'. but it then goes on to ask 'If yes, have they been agreed with the other party?'. I presume I answer no to this?


Hope the above makes sense!!!!


Thanks for any help offered.:confused:

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Hi moved your posts to Barclays thread you should get help and assistance here

Have a happy and prosperous 2013 by avoiiding Payday loans. If you are sent a private message directing you for advice or support with your issues to another website,this is your choice.Before you decide,consider the users here who have already offered help and support.

Advice offered by Martin3030 is not supported by any legal training or qualification.Members are advised to use the services of fully insured legal professionals when needed.



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