Jump to content


  • Tweets

  • Posts

    • sorry I have been confused by Statute Barred meaning. I thought with Statute Barred the debt cannot be chased 6 years after you have stopped paying.  Originally I set up a payment arrangement with all the companies around 2008 when things went horribly wrong. At that time the payment arrangement was with the original creditors.  I still have one of the original creditors who I pay each month (Cap1). I thought that if you make a payment arrangement you have to stick to that situation throughout. Also, MDR (Moorcroft) have been taking a monthly payment on behalf of M & S Bank for about 5 years. When I sent MDR a CCA request I got a copy of the original agreement sent to me directly by M & S Bank about 5 weeks after my CCA request. Sorry for my ignorance but would you suggest I stop paying all including Cap1 who are the original creditor? TIA
    • London1971 without divulging too much into his mental health he has issues regarding anything to do with government and so is it ok to fill the forms provided and what do I put on there  thanks  
    • Dear all, I am hoping for some advice/guidance on this matter. I received a LoC dated 12/04/24 and replied to this on the 2/05/24 disputing claim with the following reasons: 1: [Inadequate Affordability Assessment]: I contend that your institution failed to conduct a thorough assessment of my financial circumstances prior to approving the loan. As a result, the loan amount and repayment terms were not suitable for my income and financial situation. 2: [Unsustainable Repayments]: The repayment schedule imposed by the loan agreement placed an undue burden on my finances, making it impossible for me to meet my other financial obligations without experiencing significant hardship. 3: [Lack of Transparency]: Your institution did not adequately disclose the risks associated with the loan, including any potential increases in interest rates or fees over the loan term. I also added the following: Under the Consumer Credit Act 1974 and the Financial Conduct Authority (FCA) regulations, lenders have a legal obligation to conduct thorough affordability assessments and ensure that loan agreements are suitable for borrowers' circumstances. I hereby request that your institution: 1: Conduct a full investigation into my claim of irresponsible lending. 2: Provide me with copies of all documentation related to the loan application and approval process, including affordability assessments, credit checks, and correspondence. 3: Cease all collection activities related to the loan until this matter is resolved. Yesterday i received the attached reply via email and it included: 1: The Original Loan agreement 2: An account statement 3: A copy of a default notice letter. The email included a link for a direct debit set up page where you enter their reference and your bank account details (looks like a standard D/D set up page) but there is nothing to indicate the amount of the D/D that I might be agreeing to. I also think two days response time is not long enough to appropriately reply. Any thoughts appreciated   Email-compressed.pdf
    • Easy to set one up on Gov.uk , search on Google.
    • Hi London  he doesn’t have government gateway. Should we do it via post?
  • Recommended Topics

  • Our picks

    • 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
        • Like
  • Recommended Topics

Court fees- does anyone know what..........


pt2537
style="text-align: center;">  

Thread Locked

because no one has posted on it for the last 5790 days.

If you need to add something to this thread then

 

Please click the "Report " link

 

at the bottom of one of the posts.

 

If you want to post a new story then

Please

Start your own new thread

That way you will attract more attention to your story and get more visitors and more help 

 

Thanks

Recommended Posts

does any one know what the current cut off is for earnings levels?

 

on the court form EX160A court fees do you have to pay them? it says

"You will be exempt from paying a fee if :

4. either

• your gross annual income is less than the current cut-off* and you receive Working

Tax Credit with a 'disability element' or 'severe disability element';

or

• your gross annual income is less than the current cut-off* and you and your partner

receive Working Tax Credit and Child Tax Credit between you."

however it doesnt say what the cut off is. both me and my partner are on a slightly low income and have 2 children as a result we recieve working families and child tax credits . it would be of great help if we can get assistance with the court fees as as although we can claim them back youve gotta have the money in the first place to start the claim and we have got 5 claims that we are looking at proceeding with against various financial institutions

 

any advice that can be offered would be great

 

 

thanks

 

paul. (pt2537)

Link to post
Share on other sites

The fee you will have to pay to the court will depend on the amount you are claiming, including interest. You will have to pay a court fee unless:

  • you or your partner receive Income Support;
  • you or your partner receive Pension Credit guarantee credit;
  • you receive Income-based Job Seeker’s Allowance;
  • your gross annual income is £15,050 or less, and you receive Working Tax Credit with a ‘disability element’ or ‘severe disability element’;
  • your gross annual income is £15,050 or less and you and your partner receive Working Tax Credit and Child Tax Credit between you;

If you show that the payment of a court fee would involve undue hardship to you, the Court Manager may reduce the fee or “remit” (say you do not have to pay) the fee.

 

I would presume the cut off is the £15,000 as above so if you are below this you should be ok hope this helps.

Link to post
Share on other sites

thanks morgan054 .

luckily this year due to illness our income is below the 15000.00 level so thats great news.

 

although last year i was slightly above 15000 i think it was around 15885 would this make any difference or is it just the income for the financial year that we are in?

 

my biggest problem is my income is up and down as i only get paid for the work i do so if im off work sick or theres no work then i dont get paid so its hard to say what my exact yearly income

 

 

any way thanks for getting back to me.

 

 

 

regards

paul

Link to post
Share on other sites

Have a look in here for more info County Court Fees but just checking on fees/exemption and it states

 

Your gross annual income is less than £15460 and you and your partner receive Working Tax Credit and Child Tax Credit between you.

HM Revenue & Customs send you an award notice that shows your annual income. This is your gross annual income. If it is more than £15,460, the court may suggest that you apply for remission. If you receive Working Tax Credit, the award notice will show if you receive a 'disability element' or 'severe disability element'

 

So you may not be far away as this amount differs from the earlier amount, have you got your last P60

Link to post
Share on other sites

  • 3 months later...

Does anyone know whether as a single parent full time mature student on housing benefit but not income support until the summer holidays, I will qualify for full remission of fees. I am due to hand in my N1 next Monday so quick advice would be gratefully received.

Link to post
Share on other sites

Hi ,

 

its calculated upon your income level so you really need to fill in an EX160a form from the courts which is the form to be exempted from fees,i would call your local county court and ask them as you know how much income you have coming into your family . the court will tell you if you qualify for fee exemption and they will send you the form as well. you will need to produce proof of income for the court when you file your N1 and EX160a

 

i hoe this helps

 

 

paul

Link to post
Share on other sites

Thank you very much for your really quick response, I did ring the court and they have said I need to complete the exemption form and hand it in at the same time as the N1, they said they would make an assessment there and then, but to be prepared to make a payment on the day if necessary. I am hoping that they will see my student income is comparable to IS and that I wont be charged. My concern is that I have recently read that I cant claim for my charges back in the case of a small claim in the courts!

 

Thanks again for your help.

Link to post
Share on other sites

  • 1 year later...
Does anyone know whether as a single parent full time mature student on housing benefit but not income support

 

Have you actually applied for income support? By my understanding (currently trying to get into uni on clearing) the loans and some of the grants don't count towards benefits calculations - only the Special Support Grant/Maintenance Grant and any bursaries count. The adult learning allowance or any childcare stuff isn't counted. Might be another few quid in it for you to help you get by!

Link to post
Share on other sites

  • Recently Browsing   0 Caggers

    • No registered users viewing this page.

  • Have we helped you ...?


×
×
  • Create New...