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    • Yes, you should have applied for an immediate strike out as soon as the deadline expired. Without the agreement, they are stuffed Forget Barclaycard, Asset link is now the creditor, and it is down to them to provide the agreement.  That needs to go into the witness statement. They have not provided the agreement contrary to directions of the court and request the court strike out the claim as to the original court directions.
    • I did not receive a notice via post but in my claim status it shows my claim was transferred to a court I requested in my DQ, as it is closer to me.    Defense I filed:  1.       The Defendant contends that the particulars of claim are vague and generic in nature. The Defendant accordingly sets out its case below and relies on CPR r 16.5 (3) in relation to any particular allegation to which a specific response has not been made. 2.       The defendant paid the lead tenant a fixed sum monthly bill without fail for the extent of the rental period of the accommodation their contract was associated with who was responsible to make payments to the claimant, ending in June 2023. 3.       After moving out, a month later, the claimant wrote to state that an outstanding sum existed. Further stating, as one of the 10 tenants at the time, I now owed them the full sum instead of my 1/10 proportion of said debt, as 10 students were at the dwelling. They also intimated that they were legally allowed to charge me the full sum if the other renters were not to pay their share under some equal and joint severity rule. 4.       Despite sending numerous requests prior to the court claim being raised for copies of said bills for said utilities covered by the agreement, the claimant failed to send any clear bills. This included a CPR 31.14 on xx/xx/xxxx sent via post. 5.       The defendants stress that they acted in good faith to settle the outstanding balance, as evidenced by the confirmation received from the claimant.  Any subsequent demands for additional payments are unwarranted and contradict the claimant's previous acknowledgment of settlement. 6.       Pursuant to OFGEM code of back billing rules the alleged charges relate to charges which have not been billed correctly by Co-operative Energy and are therefore prevented from charging. With the court’s permission the Claimant is put to strict proof to: - a) show and disclose how the Defendant has entered into an agreement. b) show and disclose how the Claimant has reached the amount claimed. c) show how the Claimant has the legal right, either under statute or equity to issue a claim. 7.As per Civil Procedure Rule 16.5 (4) it is expected that the Claimant prove the allegation                  that the money is owed. 8.It is therefore denied that the defendant is indebted to the claimant as alleged or at all.
    • Paint is a free programme on any Windows PC. But don't worry, the choice here is not either perfection or nothing. As you say, use your scanner, save the file ... and then use the "choose files" option when you post to CAG to add the file. We can do all the redacting and converting to the correct file type at this end.  The important thing is just to get the info to us. Why not do an experiment this afternoon and see if the above works?  
    • I see they're trying to round up asylum seekers and lock them up for about three months so they can be put on planes to Rwanda. I'm a bit surprised that this is legal.  
  • Our picks

    • If you are buying a used car – you need to read this survival guide.
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      • 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
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      • 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
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What is CPR 16.4 (1)? Help me please :(


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I am in the process of claiming back approx £5,500 for HSBC inc fees. I returned my allocation questionaire to my local county court about 1 month ago and yesterday called them to see what was going on. They told me the case had been referred to the judge and I would hear something within 5 days.

 

This morning I received a letter (which I have not yet seen, mum opened it on the phone) stating that I need to provide more concise information relating to the claim and referring to CPR 16.4 (1)!!!!! I have no idea what this means and am completely lost.

 

I am also a little worried that I read on another site one lady lost £2000 off her claim for not doing this correctly. I know this is a hasty post seeing as I havent read the letter myself but I am just a bit worried as the letter says I need to return this information by the 18th May or my case will be thrown out!

 

Any information is greatly appreciated, Thanks very much

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Hi yeah that does help a little tahnsk but in terms of what I actually need to prepare I am stuck. I have follwed the money saving expert sites advice step by step so why has nobody else received this? Surely I have provided all this information already no?

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Ok I am getting there (slowly). Yeah the letter basically says I need to 'set out a concise statement of the facts. (Stylised particulars do not constitute compliance)'

 

I remember when filling in the MCO claim form in the particulars of claim section I could not fir in all the text it was advised from the money saving expert website. I removed the bit I perceived to be of least importance so I could get the majority of the text on there. This I feel may be my donwfall although I could see no other option at the time. Here is what I put

 

Between the dates of 15/02/01 and 17/10/06

the Defendant applied numerous default

charges to the Claimant?s bank account.

The charges applied constitute an unfair

penalty under the Unfair Terms in Consumer

Contracts Regulations, which state: ?A term

is unfair if it requires any consumer who

fails his obligation to pay a

disproportionately high sum in

compensation?. The amount charged does not

reflect the cost of the breach.

Under the County Courts Act 1984, the

claimant is entitled to interest at a rate

of 8% per annum from the date they were

first deprived of the money to the date of

this claim. This amounts to a total sum of

£914.37, continuing to accrue at the

statutory daily rate of 0.021% until

judgment or earlier payment.

The Claimant therefore asks the court to

enter judgment in their favour for the sum

of £4284 plus interest, amounting to a

total of £5198.37.

 

The letter also states I need to set out the particulars of the claim in plain english. Surely this is plain enough no? I am presuming there is just something I need to add.

 

Thanks guys

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Ah ha, Castlebest you're a legend! How just found the POC template in the library and it is a lot more in depth than what I was advised to put by the money saving expert website. Also I need to send a letter outlining the charges to the court in question.

 

Guess i'll get that together and send it off and hopefully that'll keep the judge happy. Thanks for the help guys i'll be back to update when I hear more from the court. kepp up the good work :D

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Sorry Div but they guys are right. I wouldn't have described it as hostility to MSE but they did leave me a little high and dry and in danger of being struck out.

CAG do go that extra bit to make sure everything is as it should be and I will definately be using this site from now on. The advice I have received has been bang on target and at the end of the day if these people weren't doing such a good job I would be paying a solicitor to help me out right now.

Keep up the good work guys

 

Ad ;)

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  • 1 month later...

My God why do I bother?

 

Just phoned Hitchin county court to find out what was going on and was advised my revised POC have just (7th June) been sent up to the judge. Seeing as I sent them on the 14th May I asked them why it had taken so long to which the hag at the court took particular offence and explained that they had a backlog and were dealing with things in date order. When I asked if she knew how long it would take she said 'No, the judge will look at it when they have time, thanks, bye' and promptly hung up!

 

I fought the urge to phone back and tell her how atrocious her telephone manner is for fear of jeopordising my case. Looks like i'll just have to wait!

 

[edit]

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  • 3 weeks later...

Oh dear, here we go again!

 

Have just had another letter bac k from the court ordering me to revise my particulars of claim AGAIN!

 

I quote "The Claimant must amend or substitute the particulars of claim by setting out the case and by including details of the charges complained of, how they are calculated and in what circumstances they were incurred."

 

Can anybody advise me as to why I have had this returned again? Is my judge just being difficult or am I genuinely missing something here? I have followed all the advice I have been given by you guys (thanks again by the way) but keep getting kncoked back like this.

 

Ok as I understand I must now go through the list I had printed of the charges from the money saving expert website and amend to to say unauthorised overdraft charge, card missuse charge etc. Can this be done by simply writing the charges on next to the original document by hand as I only have hard copies and would have to draft up a new list otherwise (quite extensive as they are so many charges). I am more than happy to do this if it's what's required as I don't want to screw this up.

 

Also it says the POC needs to be amended by 'setting out the case' Have I not already done this?

 

God this is much harder work than I thought it would be! I am far from giving up yet though. Oh and due to the fact I was at Glastonbury last week when the letter came I now only have until Monday 2nd July to sort this out and get it back to the court, GOOD! lol Any input greatly appreciated, cheers guys

 

A

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  • 1 month later...

As expected I have received a letter from D+G saying they have put a stay on my case. Court date is this Friday the 17th. I know I'll probably have to wait like everybody else but I did hear somewhere that you can appeal against a stay in times of financial hardship.

I sold my car about a month ago to pay off some debts and to avoid slipping under. I now have no car and have to rely on lifts to and from work every day which is 10 miles away. I planned to buy a new car and pay off the remainder of my debts with my charges money.

Would this count as financial hardship? I can't possibly be without a car for up to a year while waiting for the test case to finish. I need to get a car to get to work.

Anybody know if this gives me any leverage in the getting the case heard? If not I am slightly screwed!

Any ideas guys? Thanks

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