Jump to content


  • Tweets

  • Posts

    • 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  
  • 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

kings hill/hodsons[cabot] claimform - mogan Stanley card **DISCONTINUED**


mrrj
style="text-align: center;">  

Thread Locked

because no one has posted on it for the last 6084 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

  • Replies 212
  • Created
  • Last Reply

Top Posters In This Topic

Top Posters In This Topic

Think this covers it

 

60.—(1) The Secretary of State shall make regulations as to the form and content of

documents embodying regulated agreements, and the regulations shall contain such

provisions as appear to him appropriate with a view to ensuring that the debtor or

hirer is made aware of—

(a) the rights and duties conferred or imposed on him by the agreement,

(b) the amount and rate of the total charge for credit (in the case of a consumer

credit agreement),

© the protection and remedies available to him under this Act, and

(d) any other matters which, in the opinion of the Secretary of State, it is desirable

for him to know about in connection with the agreement.

 

(2) Regulations under subsection (1) may in particular—

35

(a) require specified information to be included in the prescribed manner in

documents, and other specified material to be excluded;

(b) contain requirements to ensure that specified information is clearly brought to

the attention of the debtor or hirer, and that one part of a document is not given

insufficient or excessive prominence compared with another.

 

(3) If, on an application made to the Director by a person carrying on a consumer

credit business or a consumer hire business, it appears to the Director impracticable

for the applicant to comply with any requirement of regulations under subsection

(1) in a particular case, he may, by notice to the applicant direct that the

requirement be waived or varied in relation to such agreements, and subject to such

conditions (if any), as he may specify, and this Act and the regulations shall have

effect accordingly.

 

(4) The Director shall give a notice under subsection (3) only if he is satisfied that

to do so would not prejudice the interests of debtors or hirers.

 

61.—(1) A regulated agreement is not properly executed unless

(a) a document in the prescribed form itself containing all the prescribed terms

and conforming to regulations under section 60(1) is signed in the prescribed

manner both by the debtor or hirer and by or on behalf of the creditor or owner,

and

(b) the document embodies all the terms of the agreement, other than implied terms,

and

© the document is, when presented or sent to the debtor or hirer for signature, in

such a state that all its terms are readily legible.

Link to post
Share on other sites

Just back from court and had a better day today.

 

Different DJ who had a bit of savy and a young locum solicitor who tried to tell the DJ that cabot were going to type me a copy of the Credit Agreement from morgan stanleys files and rates at the time of the agreement.

 

The judge laughed it off and told the locum they have 14 days to provide a typed copy of the CA and the ledgible copy it was copied from.

 

Sounds like a tough job to me.

 

I cant believe cabot thought they could just make up any old copy and pass it as my CCA.

  • Haha 1
Link to post
Share on other sites

FOS and OFT will soon be getting some letters from me . In my case cabot were suppose to produce the notice of assignment by 10/08 but the DJ accepted the poor DOA as notice of assignment , i pointed out that in the DOA cabot supplied it says they must supply me a notice within 30 days but the DJ wasnt bothered.

Link to post
Share on other sites

Hows this for an order

"The best copy of the loan agreement together with a typed copy thereof together with a sworn affidavit of accuracy shall be filed and served" In default thereof the claim may be struck out.

Link to post
Share on other sites

  • 2 weeks later...

Well 14 days is up and no letters from cabot but i just noticed on the order that the judge has given them till 4 pm on the 3rd of october(15 days). I got all hyped up for nothing today.

Link to post
Share on other sites

Was really gutted when i got home today to see a hodson letter on the mat

 

but was really chuffed to see it was a notice of discontinuance thanx guys i would have given up if it wasnt for your support. MRRJ 1 cabot 0 .

Link to post
Share on other sites

Just goes to show these companys that work outside the law dont stand a chance when put up against the legal system.

 

And my experience with judges over the last 8 months has been a little up and down but i did come to see that they just havent much knowledge of the consumer credit act.

 

So anyone who has to battle them court my advice is just to always remind the judge of the CCA laws with your objections .

  • Haha 1
Link to post
Share on other sites

  • Recently Browsing   0 Caggers

    • No registered users viewing this page.

  • Have we helped you ...?


×
×
  • Create New...