Jump to content


  • Tweets

  • Posts

    • There's no facility for a settlement "out of court" as such. But matters that are started under the "Single Justice" (SJ) Procedure can often be concluded without the defendant appearing. The SJ procedure, as the name suggests, involves a single magistrate, sitting in an office with a legal advisor, dealing with matters "on papers" only. Nobody else can attend. The SJ deals with straightforward guilty pleas. Anything where the SJ believes the defendant should appear, or which should be dealt with by the "ordinary" court are adjourned o a hearing in the normal magistrates'  court .As well as this, all defendants have the right to a hearing in the normal court if they wish. Nobody is forced to have their case heard under he SJP.  In particular, as far as traffic matters go, a SJ will not disqualify a driver and if a ban is to be considered, the case will be passed over to the normal court. Because, following your SD, you will be pleading Not Guilty (and offering the "deal"), your case would usually be heard in the normal court, meaning a personal appearance. To be honest, performing your SD at the court is a more straightforward way of doing things. It avoids any possible hitches involved in serving he SD on the court. But of course, as I said, most courts have backlogs which mean an SD may not be quickly accommodated. If you do end up doing your SD before a solicitor, check with them the protocol for serving it on the court. Do let us know what the solicitor says about Wednesday.    
    • Welcome to posting on CAG cabot, people will be along soon to help you try to sort this out. Please complete this:  
    • Quotes of the day penny mordaunt came out swinging with her broadsword, and promptly decapitated sunak while Nigel Farage, representing Reform UK, made contentious claims about immigration policies, which were swiftly fact-checked during the debate.   Good question though raised at labour about the 2 child benefit cap, which I broadly agree with, but the tory 'trap' assumes tory thinking - rather than child centric thinking. There should be no incentives to have kids as a financial way of life paid for by everyone else ... ... BUT the kids should not be made to suffer for the decisions of their parents Free school meals would feed the kids, improve their ability to learn, and incentivise them to go to school. As an added benefit ... it would invest in our nations future.   How far this should go is a matter for costing, social intent and future path of the nation, but not feeding our nations kids is an abomination. There should be at least one free school meal per day for every child who attends school. Full Stop. Its the cheapest and most effective investment in our future we could make.
    • Hey people, I've been browsing this amazing forum for the past year and recieved a letter today which has made me require some help. Received a claim form from Cabot in the Civil National Business Centre in regards to an Aqua Credit Card taken out in 2018. I failed to make payments due to financial hardship and have not taken out any credit or uses any forms of credit since. Received a lot of letters from Cabot and their solicitors Mortimer Clarke which I've ignored    By an agreement between New Day Ltd RE Aqua& the Defendant on or around 26/03/2018 ('ths Agreement) New Day Ltd RE Aqua agreed to issue Defendant with a credit card. The Defendant failed to make the minimum payments due. The Agreement was terminated following the service of a default notice. The Agreement was assigned to the named Claimant. Cabot Credit Management Group Limited, acting as servicing agent of the named Claimant through its Appointed Representative (Cabot Financial (Europe) Limited), has arranged for these proceedings to be issued in the name of the Claimant. The named Claimant may be entitled to claim interest under the Agreement but does not seek such interest and instead claims interest under Section 69(1) of the County Courts Act 1984 at 8% p.a.from03/03/2023 until date of issue only, or alternatively such interest as the Court thinks fit THE NAMED CLAIMANT THEREFORE CLAIMS 1. 3800.82 2. INTEREST OF 379.84 3. Costs How would I go about this and what could happen? I don't remember much details about the card either.
    • cause like you said in post one, 99% of people think these are FINES (it now reads charge). and wet themselves and cough up. they are not, they are speculative invoices because the driver supposedly broke some imaginary contract by driving onto privately owned land which said owner may or may not have signed some 99% fake contract with a private parking co years ago, thats already expired or has not been renewed or annually paid to employ them 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

johnie depp v bank of scotland


style="text-align: center;">  

Thread Locked

because no one has posted on it for the last 6233 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

 

Yep, agreed. Carry on and stick to your timescales johnie. When they say in the letter "Financial Services Authority gives them 8 weeks to investigate and respond to complaints" that means any complaints. You dictate the timescalce not the bank.

 

(as joewalshy said):)

14 days prelim approach.

14 days LBA.

File claim in court. (doubt it'll go that far with hbos)

 

Don't take the first offer they give you if it's not the full amount (or as close to it as you're willing to settle). They know that if you go to court you'll be adding on 8% interests and they'll have to pay costs as well as paying you the full amount. They'll back down and offer you the lot..

 

Good luck and I'll keep you updated on my claim 'cos we're at similar stages:grin:

  • Haha 1

BOS :D.P.A/S.A.R - (In Branch) 28/02/07

PRELIM - 06/03/07 (std 8 wk reply recieved)

LBA - 20/03/07 (ignored)

COURT PAPERS FILED - 04/04/07

SETTLED - 17/05/07

CAPITAL ONE :DPA/S.A.R - 06/03/07

PRELIM - 12/04/07

LBA - 27/04/07 (ignored)

COURT PAPERS FILED - 14/05/07

 

If I've been any help please click the scales and let me know.

Whilst only too happy to help in any way I can, any advice given by me is done in a completely lay capacity and has been gathered either from research on this forum or from personal experience. I am NOT a lawyer...... IF IN DOUBT SEEK PROFESSIONAL ADVICE...........

Link to post
Share on other sites

Hi JD sorry I can't help, I'm only applying the interest at the court stage not before. Sorry matey..

:)

BOS :D.P.A/S.A.R - (In Branch) 28/02/07

PRELIM - 06/03/07 (std 8 wk reply recieved)

LBA - 20/03/07 (ignored)

COURT PAPERS FILED - 04/04/07

SETTLED - 17/05/07

CAPITAL ONE :DPA/S.A.R - 06/03/07

PRELIM - 12/04/07

LBA - 27/04/07 (ignored)

COURT PAPERS FILED - 14/05/07

 

If I've been any help please click the scales and let me know.

Whilst only too happy to help in any way I can, any advice given by me is done in a completely lay capacity and has been gathered either from research on this forum or from personal experience. I am NOT a lawyer...... IF IN DOUBT SEEK PROFESSIONAL ADVICE...........

Link to post
Share on other sites

  • 3 weeks later...
received a letter this morning blah looking into my concerns and are still investigating my complaint, blah I will receive a response no later than 11/05/07 it also states that the complaints leaflet they sent previously explains how they will handle my complaint, they also have issued me with a reference no' for future correspondence,

Q. should I just let the time frame they are stating to investigate or should I start court proceedings as planned.

thanks JD

Hey JD hows it goin :D.

I got exactly the same letter a few days ago but I've already filed my papers with the court. Just ignore it and stick to your timescale. The only reason they sent you that letter is because they're obliged by the FSA to update you on the progress of your complaint (although it isn't one) evey 4 weeks.

Good luck, hope it all goes well.

BOS :D.P.A/S.A.R - (In Branch) 28/02/07

PRELIM - 06/03/07 (std 8 wk reply recieved)

LBA - 20/03/07 (ignored)

COURT PAPERS FILED - 04/04/07

SETTLED - 17/05/07

CAPITAL ONE :DPA/S.A.R - 06/03/07

PRELIM - 12/04/07

LBA - 27/04/07 (ignored)

COURT PAPERS FILED - 14/05/07

 

If I've been any help please click the scales and let me know.

Whilst only too happy to help in any way I can, any advice given by me is done in a completely lay capacity and has been gathered either from research on this forum or from personal experience. I am NOT a lawyer...... IF IN DOUBT SEEK PROFESSIONAL ADVICE...........

Link to post
Share on other sites

Thanks aldav45 hope yours goes well too watching yours with interest as im not sure when and what to do at the court stage as mine will be around 20/04/07 so i may need some advice from you around then

good luck

JD

 

no probs anything I can do to help just gimme a shout;)

BOS :D.P.A/S.A.R - (In Branch) 28/02/07

PRELIM - 06/03/07 (std 8 wk reply recieved)

LBA - 20/03/07 (ignored)

COURT PAPERS FILED - 04/04/07

SETTLED - 17/05/07

CAPITAL ONE :DPA/S.A.R - 06/03/07

PRELIM - 12/04/07

LBA - 27/04/07 (ignored)

COURT PAPERS FILED - 14/05/07

 

If I've been any help please click the scales and let me know.

Whilst only too happy to help in any way I can, any advice given by me is done in a completely lay capacity and has been gathered either from research on this forum or from personal experience. I am NOT a lawyer...... IF IN DOUBT SEEK PROFESSIONAL ADVICE...........

Link to post
Share on other sites

hi aldav, hows it goin, quick question when it comes to the court stage do I need to go to the court and pick up papers to start a summary clause?

Cheers JD

 

I got mine from the net here: Summary Cause

 

You'll need form 1 and 1b and you can find a guide to fill them in here:

http://www.consumeractiongroup.co.uk/forum/scotland/6165-scottish-procedure.html

(the clerk in the court advised me to amend the last part of my statement to say that "The bank has a branch in XXXXXXtown the address being XYXYXYXYX and therefore it falls under the jurisdiction of this court)

 

I filled them in, printed them out (keeping a copy of both for myself) and then filed them at the Court. It was £39 and they took about 4 working days to send them back to me. I then took them to a Sheriffs Officer and he charged £17 to serve them for me (you need to do this with a summary cause because you cant serve them yourself). I've got a return date (1 week before the case is actually heard) and a court date. The clerk will put them on the form for you before they send you it back.

Remember all you need is form 1 and 1b but don't forget to enclose 2 copied of the schedule of charges you sent with your prelim and LBA and I'd recommend the word downloads as opposed to the PDF's 'cos they're easier to work with.

Good Luck JD let me know how you get on. If there's anything I can help you with just give me a shout:D

BOS :D.P.A/S.A.R - (In Branch) 28/02/07

PRELIM - 06/03/07 (std 8 wk reply recieved)

LBA - 20/03/07 (ignored)

COURT PAPERS FILED - 04/04/07

SETTLED - 17/05/07

CAPITAL ONE :DPA/S.A.R - 06/03/07

PRELIM - 12/04/07

LBA - 27/04/07 (ignored)

COURT PAPERS FILED - 14/05/07

 

If I've been any help please click the scales and let me know.

Whilst only too happy to help in any way I can, any advice given by me is done in a completely lay capacity and has been gathered either from research on this forum or from personal experience. I am NOT a lawyer...... IF IN DOUBT SEEK PROFESSIONAL ADVICE...........

Link to post
Share on other sites

  • 3 weeks later...

Johniedepp, seems we're at the same stage again, I got exactly the same letter as you the other day. I have a court date for this month so I telephond for an update. I was told that they intend to defend in court.

Seems like they've changed their tactics.;)

BOS :D.P.A/S.A.R - (In Branch) 28/02/07

PRELIM - 06/03/07 (std 8 wk reply recieved)

LBA - 20/03/07 (ignored)

COURT PAPERS FILED - 04/04/07

SETTLED - 17/05/07

CAPITAL ONE :DPA/S.A.R - 06/03/07

PRELIM - 12/04/07

LBA - 27/04/07 (ignored)

COURT PAPERS FILED - 14/05/07

 

If I've been any help please click the scales and let me know.

Whilst only too happy to help in any way I can, any advice given by me is done in a completely lay capacity and has been gathered either from research on this forum or from personal experience. I am NOT a lawyer...... IF IN DOUBT SEEK PROFESSIONAL ADVICE...........

Link to post
Share on other sites

  • Recently Browsing   0 Caggers

    • No registered users viewing this page.

  • Have we helped you ...?


×
×
  • Create New...