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    • love the extra £1000 charge for confidentialy there BF   Also OP even if they don't offer OOC it doesn't mean your claim isn't good. I had 3 against EVRi that were heard over the last 3 weeks. They sent me emails asking me to discontinue as I wouldn't win. Went infront of a judge and won all 3.    Just remember the law is on your side. The judges will be aware of this.   Where you can its important to try to point out at the hearing the specific part of the contract they breached. I found this was very helpful and the Judge made reference to it when they gave their judgements and it seemed this was pretty important as once you have identified a specific breach the matter turns straight to liability. From there its a case of pointing out the unlawfullness of their insurance and then that should be it.
    • I know dx and thanks again for yours and others help. I was 99.999% certain last payment was over six years ago if not longer.  👍
    • Paragraph 23 – "standard industry practice" – put this in bold type. They are stupid to rely on this and we might as well carry on emphasising how stupid they are. I wonder why they could even have begun to think some kind of compelling argument – "the other boys do it so I do it as well…" Same with paragraph 26   Paragraph 45 – The Defendants have so far been unable to produce any judgements at any level which disagree with the three judgements…  …court, but I would respectfully request…   Just the few amendments above – and I think it's fine. I think you should stick to the format that you are using. This has been used lots of times and has even been applauded by judges for being meticulous and clear. You aren't a professional. Nobody is expecting professional standards and although it's important that you understand exactly what you are doing – you don't really want to come over to the judge that you have done this kind of thing before. As a litigant in person you get a certain licence/leeway from judges and that is helpful to you – especially if you are facing a professional advocate. The way this is laid out is far clearer than the mess that you will get from EVRi. Quite frankly they undermine their own credibility by trying to say that they should win simply because it is "standard industry practice". It wouldn't at all surprise me if EVRi make you a last moment offer of the entire value of your claim partly to avoid judgement and also partly to avoid the embarrassment of having this kind of rubbish exposed in court. If they do happen to do that, then you should make sure that they pay everything. If they suddenly make you an out-of-court offer and this means that they are worried that they are going to lose and so you must make sure that you get every penny – interest, costs – everything you claimed. Finally, if they do make you an out-of-court offer they will try to sign you up to a confidentiality agreement. The answer to that is absolutely – No. It's not part of the claim and if they want to settle then they settle the claim as it stands and don't try add anything on. If they want confidentiality then that will cost an extra £1000. If they don't like it then they can go do the other thing. Once you have made the amendments suggested above – it should be the final version. court,. I don't think we are going to make any more changes. Your next job good to make sure that you are completely familiar with it all. That you understand the arguments. Have you made a court familiarisation visit?
    • just type no need to keep hitting quote... as has already been said, they use their own criteria. if a person is not stated as linked to you on your file then no cant hurt you. not all creditors use every CRA provider, there are only 3 main credit file providers mind, the rest are just 3rd party data sharers. if you already have revolving credit on your file there is no need to apply for anything just 'because' you need to show you can handle money. if you have bank account(s) and a mortgage which you are servicing (paying) then nothing more can improve your score, despite what these 'scam' sites claiml  its all a CON!!  
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      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.

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Hippo v NatWest


Micky the Hippo
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I'm doing my best to, I'd love to be a barrister, should have gone for it when I was much younger, I'd be dead good at it, the barristering, the lounging around, the drinking and lunching, all of it, I'm a tailor's dream, tall, shoulders, waist

 

as to the belly, I started cycling 25miles a day to work a month ago for just that reason, dropped 12lbs already

 

anyway, I'm quite sure those London tailors conquered bellies inside pinstripe centuries ago, you're probably scowling at nasty off the peg suits :rolleyes:

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Ah........... it's becoming clearer by 'the posts'. Barrister = drink, debauchery, licence to lounge like a lizard ready to pounce on one's prey at the least suspecting moment. You need a new username.......... mickytheloungelizard.

 

And I must commend you for your actions. Cycling 25 per day to work? Work from home with an exercise bike in the dining room? ;)

 

And I wouldn't dream of scowling at my cheap off the pegs........... I tend to weep instead!

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that sounds splendid although I think I'll swerve the debauchery, happily married and all that, there's nothing I'd like more than to be a lounge lizard in a well tailored pinstripe suit, with a slightly rakish cut

 

I wish, 25 miles of proper London streets, full on potholes, trucks, hills, idiotic pedestrians, wind, rain, etc etc, good fun on the whole, makes a fella feel alive

 

I wouldn't dream of commenting on your clothes, the narrow target of porky northern barristers in ill fitting suits was my only point

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What you like!!! I confess to being in the same state - happily married, four children and a partridge in a pear tree.

 

I thought the streets of London were paved with gold? (allegedly!) Given the state of the roads, can I safely assume that Local Government in London is as efficient as up north?

 

Mind the potholes! ;)

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only two kids and that's plenty, thing cost more down here

 

the streets of London are as bad as any in this country I reckon, awful, I don;t even know any more who fixes the roads, the Mayor palaver has removed the last of my understanding

 

the very odd piece of new road is like a dream before the normal service resumes

 

right, you're cluttering my grim and serious thread with chatter, get out there and help the site, not forgetting to check on me when I start squealing for help when the defence arrives

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Ha! Enjoy your day!

 

Grim and serious posts only on here folks................ Micky bites don't ya' know! Well........... he pretends to! :D

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a parcel from Natwest yesterday, I really thought that this would be my old statements, I'd written a very clear letter asking for the pre 6 years or an affidavit and made it very clear that I didn't want the same six years again

 

sure enough, my fourth set of six years of statements

 

:mad:

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Well, so long as you're writing a letter............... give the poor trees a mention please mate............ worries me sick all that waste ;)

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defence from cobbetts yesterday, a cheeky day late, the usual bullying aggressive cocky nonsense I think

 

I've only skimmed it at present

 

Am I right to think that a 'proper' copy will come from the court and that's the one I should reply to? Might be an AQ and so on?

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No the couirt don't usually send it out because Cobbetts will have told them they have sent you one. You don't need to respond to the defence at all except, perhaps, to send Cobbetts a copy of your schedule, particulary if you applied via MCOL (I'm sorry, I can't remember if you did or not).

 

The next step is that you will hear from the court about allocation (either with or without an AQ). Wait until you get that before you do anything else.

 

Steven

 

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You could send them an SOC anyway.

 

Steven

 

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Almost everything I know concerning the law I learned from this site

 

 

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the two draft directions. Sorry for terseness.

 

I am pretty sure you will have been sent a standard Cobbetts defence - tey have a set of paragraphs which they put togther like lego depending on certain tings in your PoC.

 

There are cases where the defence has been struck out - usually after the AQs have gone in. Look at hedgeys thread linked from my signature - New nat west claim.... there is an excellent bit on AQ section G and linking in the draft directions.

 

 

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right

 

so an AQ as instructed

 

a letter suggesting the defence be struck out

 

and a letter suggesting the draft directions

 

is the CI element of my claim going to queer any of this?

 

and thanks again, I'll take terse good advice over chatty nonsense any time

 

thanks for the link too, I'll get onto that before the weekend when I'm catching u with everything

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The CI element will not invalidate anything else but be prepared for it being dismissed out of hand at any hearing. At thispoint, because we now know it will not be accepted, it might be better to leave it out. It's up to you though - there is the off chance that NatWest will py up anyway, including the CI

 

 

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  • 2 weeks later...

Hey Mickey!

 

 

How come you have to fill out an AQ ?! Is it just up to the individual courts ?

18/04/07 1st letter sent (again)

19/04/07 letter received by Stuart Higley

25/04/07 Usual blabla letter from NatWest "investigating and so on and so forth" received.

08/05/07 LBA sent

09/05/07 LBA received by Natwest

25/05/07 Claimed online by MCOL

Claim served on the 4th of June

Acknowledgment of service received 18th of June

Cobbets defense and Part 18 request received 05 July

Notice of Transfer of Proceedings received 06 July

19/07/07 Allocated to small claims track, refer back after 21 days.

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morning miser

 

I think it's a court by court thing with more and more courts dispensing with it

 

It's stupid for a bank charges claim, if it wasn't for the draft directions and the strike out application, it'd take a minute to fill out and adds nothing to what you've sent the courts already

 

and gouges sir for another £100 soon after being gouged for £120, I have no idea what the extra £100 is for, so much for making the courts accessible for the common man

 

granted I'll get in back at some point but I'd rather have in my pocket for this weekend

 

Smile acknowledged yesterday too so there's another £220 in the pipeline

 

Edmonton court clearly likes me

 

:rolleyes:

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