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    • Hi all, Love this site and it's no nonsense advice, have dipped in and out of the consumer forums over the years, mostly to assure myself that what I was doing was the right thing when dealing with various businesses (almost 100% success rate, thanks in part to reading and more reading here.). Anyway, the time is almost approaching where I might need to ask for some specific help and I have a couple of queries that I can't see definitively answered. Due to financial mismanagement and severe anxiety issues I stopped paying all unsecured debt in December 2018 (one slipped to the first week in Jan 2019 when the last payment was made having rechecked my bank statement from that period - all my unsecured debt direct debits were cancelled in early Jan 2019). This has left half a dozen debts;  a couple of credit cards, a bank loan, Shop Direct and some Hitachi Finance stuff having been sold on and passing the rounds through the usual suspects, Lowells, Link, PRA Group, others related to them, and then back to them again. I have somehow successfully managed to maintain radio silence and avoided anything more worrying than their begging letters.  I have blocked their phone calls and texts, bumped all emails to the spambox and had a chuckle at their desperate letters.  I've never had anybody at the door.  I have been at the same address since before I defaulted and all correspondence comes to my current home address.  I have NEVER contacted them or admitted any debt. In anticipation of them perhaps ramping up action at the last minute I've had a look at my credit report on Credit Karma (rec'd from this very place) and I see that the default dates on these range from May 2019 to November 2019. Also in preperation I've been reading, reading and reading lots here as advised. Obviously being in Scotland there are a lot fewer posts relating to these matters and it's always quite annoying when OP's do not follow up with any outcome on their cases - how rude! This has also left me a bit confused of when I am able to finally breathe easy (although cancelling all the direct debits in Jan 2019 was the biggest sigh of relief as I knew it was all going to be unmanageable and, well, default one, default all.). I've been reading that defaults should be filed 3-6 months after the missed payment but one of my larger debts was defaulted on 27th August 2019 when the last payment I made was 10th December 2018, meaning the first missed payment was 10th Jan 2019.   My query for now is - when should I infer that these debts are prescribed?  From when the payment was missed, or taking the default date plus 5 years from the credit report?   The three I have with the May date are moot anyway as either way they are gone - some letters from Lowell offering me 90% off to settle is what got me thinking these must have been near SB status, however I have one big 10k+ with a July date and another 10k+ at the end of August so I am feeling a bit anxious again, even though I know there is nothing to worry about with the begging letters.  Reading the various forums I am not sure why the OC's didn't take action against me when I read time and again the surprise that other posters haven't already been taken to court for lesser amounts - I'm also surprised I've avoided any action this long as there are plenty in this forum and sub forum who are whisked off to the court by the beggers minions after only a year or so after defaulting.  There are no CCJ/decrees listed on my credit report and I have not received any such judgements against me.  I still just regularly receive the begging emails to the spambox, the blocked phone calls and the letters from the they.   I'm also reading that there is no need in Scotland to send an LBC so what should I be looking out for to know that the time has come to engage with CCA requests etc?   I'm afraid in a fit I threw a lot of the paperwork out but I have a box of stuff I'm going to go through which may have the original letters from the OC's.   Thanks in advance for any advice.  
    • I'm at work now but promise to look in later. Can you confirm how you paid the first invoice?  It wasn't your fault if the signal was so poor and there was no alternative way to pay.  There must be a chance of reversing the charge with your bank.  There are no guarantees but Kev  https://find-and-update.company-information.service.gov.uk/company/09766749/officers  has never had the backbone to do court so far.  Not even in one case,  
    • OK  so you may not have outed yourself if you said "we". No matter either way you paid. Snotty letter I am surprised that they were so quick off the mark threatening Court. They usually take months to go that far. No doubt that as you paid the first one they decided to strike quickly and scare you into paying. Dear Chuckleheads  aka Alliance,  I am replying to your LOCs You may have caught me the first time but that is  the end. What a nasty organisation you are. You do realise that you now have now no reason to continue to pursue me after reading my appeal since you know that my car was not cloned. Any further pursuit will end up with a complaint to the ICO that you are breaching my GDPR.  Please confirm that you have removed my details from your records. ------------------------------------------------------------------------------------------------------------------------------------------------------------ I haven't gone for a snotty letter this time as they know that you paid for your car in another car park. So using a shot across their bows .  If it doesn't deter them and they send in the debt collectors or the Court you will then be able to get more money back from them for  breachi.ng your data protection than they will get should they win in Court-and they have no chance of that as you have paid. So go in with guns blazing and they might see sense.  Although never underestimate how stupid they are. Or greedy.
    • Thank you. Such a good point. They did issue all 3 before I paid though. I only paid one because I didn’t have proof of parking that time, only for two others.    Unfortunately no proof of my appeal as it was just submitted through a form on their website and no copy was sent to me. I only have the reply. I believe I just put something like “we made the honest mistake of using the incorrect parking area on the app” and that’s it. Thanks again for your help. 
    • They are absolute chuckleheads. You paid but because you entered a different car park site also belonging to them they are pursuing you despite them knowing what you had done. It would be very obvious to everyone, including Alliance that your car could not have been in two places at the same time. Thank you for posting the PCN so quickly making it a pity that you appealed since there are so many things wrong with it that you as keeper are not liable to pay the charge. They rarely accept appeals since that would mean they lose money but they have virtually no chance of beating you in Court. Very unlikely that they will take you to Court given the circumstances. Just in case you didn't out yourself as the driver could you please post up your appeal.
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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.

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      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.

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      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.
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      This is good ethical practice.

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      OT APPROVED, 365MC637, FAROOQ, EVRi, 12.07.23 (BRENT) - J v4.pdf
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Sarajane v Barclays -Mercantile court allocation - then ***WON***


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I think it is rather late for a letter. At the bare minimum a phone call to find out what to do, but preferably a visit so that you can complete any necessary paperwork there and then. You need to know why the court has taken this action, and why the mercantile court? I might be wrong, but I thought the Mercantile Court dealt with business claims, which I don't think your case is.

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Advice & opinions given by Caro are personal, are not endorsed by Consumer Action Group or Bank Action Group, and are offered informally, without prejudice & without liability. Your decisions and actions are your own, and should you be in any doubt, you are advised to seek the opinion of a qualified professional.

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Just an update

With Bankfodder's generous help, a letter marked Urgent for the request of a set aside of the Order was handed into the local Court today.

Just have to wait to hear what District Judge Green has to say now. :|

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Good luck SJ, was wondering what was happening, glad to see you got some help :) :)

My opinions are just that, I will help if I can but I am NOT a professional. If in doubt seek legal advice.

READ THE FAQ'S BEFORE ASKING A QUESTION! THEY ARE THERE FOR A REASON! AS IS THE USER-GUIDE!

 

My active claims:

Owed £150 from Barclays.

Husbands claims:

Owed £1049 from Lloyds.

 

Glorious Victories!:

Barclays Joint Account- Settled £823.

HSBC Joint account-Settled £50.

Studio- Settled £80.

HSBC Student account- Settled £560.

Lloyds Credit Card- Settled £72.

Freemans- Settled £40.

Abbey Joint Account- Settled £330.

Waiting till all claims settled then Donation-A-Rama.

:D

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  • 2 weeks later...

Well, I never heard a dickie bird from local court.

I got a letter from Mercantile court on 14th, giving date of Case Management Conference for 2nd October.

Again, Bankfodder helped me draft a letter back to Medway to the Judge asking why my apllication for a set aside was not considered & I had a reply from a Clerk in yesterday's mail, saying they are waiting for the Judge's response. :o

So, a letter has been drafted to Mercantile Court London, again with Bankfodder's assistance & Twinkle:p , stating I'm an individual, etc etc, and asking for the banks to make full disclosure & that'll get sent recorded tomorrow.

Just out of curiosity what is a Case Management Conference?

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Just out of curiosity what is a Case Management Conference?

 

I haven't read and understood it myself yet - too many things to do! But here's some raw information for you in the hope it might be useful to you or others.

 

D. Case Management in the Mercantile Court

 

D1.2 Multi-track. While all mercantile claims are allocated to the Multi-track, in

practical terms, if the claim is less than £15,000 (see B3.3 above), the Mercantile

judge may well transfer the claim to the County Court allocating the same to the

fast track or give directions more akin to those which would operate under the

Fast-track regime.

 

D2. Key features of Case Management. Not all of the ten key features apply or

apply with the same rigour where Case Management is in the Mercantile Court.

Thus:

 

(1)(a) the Case Management Information Sheet should be

substantially in the form set out at Appendix A thereto.

 

(2) it is sufficient that there be a simple non-controversial

concise List of Issues prepared by the Claimant. It is not necessary for

that to be exhaustive or even for it to be prepared in consultation with

other parties. It is sufficient if the List provides a general idea of the

principal issues in the case.

 

it is not mandatory that there should be a formal Case

Management conference by way of a hearing, and in a straightforward

case it should be possible for the parties to avoid the need for attendance

by submitting agreed directions in advance. Where such course has not

been taken, the parties may be visited with an adverse costs order.

 

-- Whether agreed or not, by (2)(b) the Claimant or other party

applying for a Case Management conference must file and serve a draft

order substantially in the form set out at Annex B thereto, setting out the

directions which that party thinks appropriate. The Court is not obliged

to accept agreed directions and may alter them. It should be noted that

in any event the Court may as part of its general Case Management power

make an order of its own initiative and dispense with attendance. In

either case any party objecting to a direction which has not been agreed or

proposed by that party may apply within 7 days of receiving the order that

it be varied or revoked.

 

-- Even where a Case Management conference does take place by way of

a hearing, while desirable, it is not necessary that attendance should be by

the advocates retained in the case; it is enough that there be attendance by

a legal representative familiar with the case with authority to deal with any

issues likely to arise.

 

D3. Fixing a Case Management Conference.

 

D3.4 Time for application. If proceedings have been transferred to the

Mercantile Court, by PD59§7.3 the Claimant must apply within 14 days of

receiving an acknowledgment of transfer from the Clerk to the Mercantile

Court, unless the transferring Court itself held or gave directions for a

Case Management conference when it made the order transferring

proceedings.

 

D4. Case management system.

 

There is no formal system for team case management applicable to the

Mercantile Court, Birmingham. Ordinarily the Court will endeavour to

list any case management conference and all applications before the judge

who it is anticipated will be the trial judge. The permanent Mercantile

Judge at Birmingham is currently Her Honour Judge Alton. His Honour

Judge McCahill QC also sits from time to time as a judge of the

Mercantile Court. In addition the Court operates a Shared List system

pursuant to which trials may be given a fourth or fifth fixture and be heard

by any of the Specialist Judges ticketed for mercantile work including His

Honour Judge Norris QC (Chancery) and Her Honour Judge Kirkham

(TCC). Details of the Shared List are set out in the attached appendix.

Consideration as to whether a case should be placed in the Shared List will

generally be given at the case management conference.

 

D5. Case Memorandum

 

As set out under D2 above, there is no need to prepare a Case

Memorandum for claims in the Mercantile Court.

 

D6. List of Issues

 

As set out under D2 above, it is sufficient that there be a simple List of

Issues. If it be suggested that there be a trial of a preliminary issue, the

parties should seek to agree whether costs should be in the issue or in the

case.

 

D7 Case Management bundle

 

D7.2(iii) Case Memorandum. See D5 above.

D7.5 Revision and upkeep. The Case Management bundle should be

revised from time to time, but in cases in the Mercantile Court there is no

requirement for continuous revision of the bundle.

 

D8 Case Management conference

 

D8.2/3. Attendance. See D2 above

D8.4 Applications. If a party wishes to apply for an order in respect of

a matter not covered by the Case Management Information Sheet, an

application should be issued to be dealt with at the Case Management

conference.

D8.5 Materials. By PD59§7.7(1)(a) the parties are required to employ

a case management information sheet substantially in the form set out at

Appendix A to PD59.

D8.7(i) The hearing. As to attendance at the hearing, see again D2

above.

I will not make any deals with you. I will not be pushed, filed, stamped, indexed, briefed, debriefed or numbered. My life is my own. Number 6

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Sarahjane.

 

Im no expert but have been reading thru loads of threads and am at a very similar stage with Barclays, court date of 23rd Oct.

 

I would be very surprised if it was Barclays that asked for it to be moved. If this was the case they would be doing it for all our claims.

 

I suspect your case has been looked at by a judge that has, off his own back decided to transfer it.

 

It appears in every other case that this has happened it has resulted in a very quick settlement by the bank.

 

Keep us all informed

 

good luck

7 actions in progress

 

amount refunded so far £6500

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I agree.

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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I know its a completely different subject but worth bearing in mind. Barnet Council decided to take a brave stand and challange tha validity of their parking tickets at the high court in August this year dispite all the evidence that they were wrong.

 

their appeal was thrown out and as a result the whole of the countries parking enforcement is quickly decending into chaos

 

I cannot see for a minute that the banks will let this happen. Imagine they lose a test case at the Mercantile court. The implications are catastrophic for the banks.

 

At the moment the current cases are inconvienient to the banks and financially insignificant. The loss of a test case would change all that.

 

Keep your head up Sarahjane and look forward to your pay day. If it does end up as a test case you will be famous for ever and people will be quoting your name for years to come..

7 actions in progress

 

amount refunded so far £6500

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Thanks for the support Roger & Martin. :)

Just posted my letter to the Mercantile Court & a copy to Barclays, as directed by the Mercantile Court.

Now, looking ahead, if, Barclays do not settle before the hearing date on 2nd October, what do I need to gather. I've had a nose around & icefall has a good selection of docs, anything else? :o

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Wow Sara, been away for a bit (poorly :( ) had no idea this is why they were faffing. Crikey!! Go get 'em girl :D

My opinions are just that, I will help if I can but I am NOT a professional. If in doubt seek legal advice.

READ THE FAQ'S BEFORE ASKING A QUESTION! THEY ARE THERE FOR A REASON! AS IS THE USER-GUIDE!

 

My active claims:

Owed £150 from Barclays.

Husbands claims:

Owed £1049 from Lloyds.

 

Glorious Victories!:

Barclays Joint Account- Settled £823.

HSBC Joint account-Settled £50.

Studio- Settled £80.

HSBC Student account- Settled £560.

Lloyds Credit Card- Settled £72.

Freemans- Settled £40.

Abbey Joint Account- Settled £330.

Waiting till all claims settled then Donation-A-Rama.

:D

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Twinkle, who knows what'll happen in 2 weeks time - apart from I'll be a year older - sorry younger :D .

Bookworm, I didn't mean to cause offence :p , so many cases to follow, so much advise, so much to take in - only 24 hours a day & boy, I need 8 hours sleep :D .

Mrs C, hope you are better now ;) . Keep fighting!!!

Thanks girls, your support means a lot :)

Sara xx

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Sarajane, good on yer for keeping strong and motivated ;)

 

We are all behind you. I have been reading your thread with interest. I have just received an 'acknowledgement of Service' from Barclays so I am sure I will be where you are at soon.:mad:

 

Your thread will help so many others :)

 

Heidik

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Why, thank you. :-D

 

Pm me your e-mail addy, I'll send you a basic bundle I've put together.

 

Bookworm, your email inbox is overflowing :o - I think I did pm you but I was going to do it again, just to be safe :D

 

Sarajane

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Keep forgetting I've got 2 threads now :o (mercantile)

Just to update;

I was gearing up for Monday's case management conference, getting bundle organised & double checking everything with Bankfodder, when I got a 'phone call from Mr Jeremiah (surprise, surprise). His initial Offer was for fees + interest @ 8% + postage costs - couldn't really charge him £35 a letter now, could I??:D

So he emailed this to me & I was checking with BF that this was OK, when he pointed out I can claim reasonable costs under Civil Prosceedure Rules 48 PD48, as the case had been multi tracked. The set rate is £9.25 per hour. Suggestion of 25 hours since start of claim. So revised counter offer sent by email to Mr J.

At 5.30pm Mr J phoned as he didn't have my email, so I read it to him, he said he'd have to come back to me. When he rang back at 6.20pm he agreed with BF that I can claim reasonable costs but didn't agree with 25 hours. Now hubby wasn't aware about this late development & thought the offer was reasonable, 12 hours, so we accepted. Confirmation email of offer came through almost straight away & we replied asap.

Bankfodder you were right about his sense of humour, when mentioning BAG, he asked if I'd put it up on website yet & I said of course and his last comment was that CAG/BAG frighten him, he's worried their lurking around the corner from his house :D !!

So I replied Arh, like that advert when the cows have come to claim back what is theirs:D . We laughed.

So money should be in account today, just waiting for it to land now.

I now have a lot of printouts of SOGA, UTCCR, UCTA & OFT statements - any offers;)

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Congratulations Sarajane!!

 

In my relatively short time on this forum, I've noticed how much peoples confidence increases once they get into battle with the banks and realise what feet of clay these would-be demi-gods have.

 

For interest, I've just looked back at your very first post, back in May. In that you said "Look forward to hearing from someone more savvy than I", well I guess you're the one with the "savvy" now!!

 

Well done.

Victimnomore

By day, quiet unassuming bank customer - but, by night, .. .. .. .. ..

Barclays Case1

14/03/07 **WON** FULL settlement £3358.39

Barclays Case2

08/09/08 Prelim: please give me my £187.91 back.

Halifax Case1

14/03/07 **WON** Refunded £728 (including £54 costs)

Halifax Case2

08/09/08 Prelim: please give me my £268.24 back.

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Well done Sarajane, you have now given me the confidents to take on Barclays. they offered me a partial offer of £1000 for a claim of £2415, so tempted to take the offer, since i'm a student and a mother and absoluty skint. But your battle has encouraged me.

so im sending my rejection of an offer today. Wish me luck.

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CONGRATULATIONS

If you remember I told you that your case was likely to be settled sooner because of this action by the court. On this occasion I am happy to say I told you so!

 

While it is fantastic for you it is a shame that a case has still not been tested and I would guess that the other cases destined for this route will also be settled pronto. Still all those cases that were stayed to await the outcome can move again.

The Consumer Action Group is a free help site.

Should you be offered help that requires payment please report it to site team.

Advice & opinions given by Caro are personal, are not endorsed by Consumer Action Group or Bank Action Group, and are offered informally, without prejudice & without liability. Your decisions and actions are your own, and should you be in any doubt, you are advised to seek the opinion of a qualified professional.

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Oh and yeah, I'll happily take the print-outs from you, though only at stage of sending back AQ so if anyone else needs em more urgently.

 

soz i need them urgently bundle has to be in on weds!!!!!:o i have pm'd you tigger

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B*gger I knew someone would beat me to it RE the bundle. LOL.

 

SaraJane a HUGE CONGRATULATIONS to you. :D :D :D :D :D

 

I am so chuffed for you babe. :)

 

Trace. x

My opinions are just that, I will help if I can but I am NOT a professional. If in doubt seek legal advice.

READ THE FAQ'S BEFORE ASKING A QUESTION! THEY ARE THERE FOR A REASON! AS IS THE USER-GUIDE!

 

My active claims:

Owed £150 from Barclays.

Husbands claims:

Owed £1049 from Lloyds.

 

Glorious Victories!:

Barclays Joint Account- Settled £823.

HSBC Joint account-Settled £50.

Studio- Settled £80.

HSBC Student account- Settled £560.

Lloyds Credit Card- Settled £72.

Freemans- Settled £40.

Abbey Joint Account- Settled £330.

Waiting till all claims settled then Donation-A-Rama.

:D

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