Jump to content


  • Tweets

  • Posts

    • quite usual for couriers to swap parcel contents, though it could have been done by someone at the 1st address before it got to where it should have .... ebay. just to clarify as you seem to be not understanding/reading some posts correctly.   you should always ignore a dca totally unless you ever get a letter of claim in the post. you never ever ring a DCA.. they LIE. no!! no!! they dont own the debt, their txt says our client ebay. only the OWNER of a debt can take you to court. and ebay dont do court. i find it quite amazing that you have numerous threads about ebay/paypal regarding issues since you joined in 2011 but have never read any of the advice previously given. dx    
    • so where are the one with this HMTL link? and when were they sent.? pdf's merged and properly named. dx  
    • Hi Just had a wee look at your PDF and nothing really to add. Now as for the Court Fees if these are in there Claim then that is for the Judge to decide whether they accept the recovery of Court Fees in the Claim. If recovery of Court Fees are not in the Claim and they try to recover these via your deposit then you dispute this with the Tenancy deposit scheme your deposit is protected in and point out these costs should have been in there Court Claim which they failed to do and is there error.  
    • The postcode is an important point. You cannot be in two postcodes at the same time and the contract only covers the F area and not the E area where Met placed your car. See there is some   advantages in with idiots.🙂 The other fact about the electric spaces is that as you are not allowed to park there, the sign is prohibitory so cannot  offer a contract anyway. and another biggie in your favour is you were not the driver and the PCN does not comply with PoFA. I had another look yesterday at the PCN and there is another error since it does not say that the driver is responsible to pay the charge during the first 28 days. Schedule 4 Section 9 [2][b] (b)inform the keeper that the driver is required to pay parking charges in respect of the specified period of parking and that the parking charges have not been paid in full; so that is another nail in their coffin and it s something I would include in  your WS since that is one that every Judge would accept as a failure to comply. As far as their WS is concerned some of them leave it to the last minute to prevent Defendants being able to counteract their claims. However if they leave it too late [ie after the stipulated time] you can email yours to the Court on the last day and complain at the bottom of your WS that you have not received it and therefore you are asking the Court not to accept their WS. In your case it isn't that important since you have a virtual walkover in Court. I would be surprised if they don't concede beforehand. It is a lost cause for them. Not that I would advocate parking in their electric bay in future with a petrol driven car again.🙂
    • I think the post code 0 v O is nonsense personally and would just annoy the judge.  Cases are decided informally at small claims and judges are not interested in the weakest of trivialities. Understood re FY v EY.  So add to the Unfair PCN section that the PCN includes the wrong post code and places you at a residential area rather than the car park in question. You should wait till 7 June before filing your WS - as a Litigant-in-Person you wont't be penalised for being a day late - to see if MET's WS turns up.  It will also give you a chance to see if they have paid the hearing fee.  If it doesn't turn up you can attack them for defying court directions.  If it does turn up you can ridicule their arguments.  Win win. Also you can see if they have bottled it - which they have done with the last two cases we have here. I think the exact points of your WS have become a tad confusing - and I have heartily contributed to the confusion! - so can you please add the latest version.
  • Recommended Topics

  • 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
  • Recommended Topics

Advice on Partial CCJ on Egg debt


style="text-align: center;">  

Thread Locked

because no one has posted on it for the last 6047 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

Hello CAGsters,

 

I am currently repaying an old credit card debt to Egg of about £4000(Their figures).

Bryan Carter solicitors registered a CCJ against me on 5th December for £283 and court costs of £50 even though I was paying them an agreed amount £36.18, I missed 2 payments and by the time I had started them again they were half way through a Court Summons. I wrote to them with payment assuming that would stop the court action. (Big mistake - lesson learnt) The situation is that I have CCJ against me now that I never replied to.

I am paying £50 per month(As per court agreement) at the moment and I need to make 2 more payments to settle the CCJ.

 

I sent a Data Protection Act request letter to Egg on 27th April to find out what charges I have recieved and I hope to put the account in dispute due to unlawful charges when the CCJ is satisfied. Am I allowed to do this even afer a CCJ?

 

Also will it be worth me asking for my CCA agreement, even after a court has ruled?

 

I cannot understand why they only asked for a partial amount.(They give themsleves the option to come back for the rest of the debt)

 

I would like to know what courses of action will be open to me now as this will be the biggest debt left once my other bank charge reclaiming actions are completed.

 

Also as Bryan has ceased trading does that affect my situation in any way?

 

Regards

Moebius

(I am not sure which is more expensive - Marriage or Divorce? Still - If it doesn't kill you......)

Link to post
Share on other sites

Try to get the CCJ set aside first - there are various reasons this can be allowed - Google around and find the one most applicable to you;). You should definitely CCA and SAR because smEgg probably won't have an enforceable agreement and will have applied unlawful charges to your account. Also I believe even if they have a CCJ but can't produce a copy of the agreement you can sue them for what you have already paid. PM Laiste she is the expert on this sort of thing.

  • Haha 1

"Why CCJ when you can CCA!"

Link to post
Share on other sites

I have been looking into this matter further quering the leaglity of a partial debt CCJ.

 

I have been informed that it is against the civil procedure rules to keep on bringing you back to court for the same debt, and the judge should dismiss any further claims for debt.

 

I have also been told that it breaches the overiding principles of the rules and also that it is a breach of human rights as you can keep not been tried for the same contract and 1 whole debt more than once.

 

Does laiste or anyone have comment on what Ive been told

 

I have also been infomed that it is a breach of process to keep on sending out more than 1 ccj for the same debt so as to avoid going fast track or paying higher fees.

  • Haha 1
Link to post
Share on other sites

  • 2 weeks later...

Thanks for your reply, that is very interesting.

 

Does anyone else have information on the legality of CCJ's for partial amounts? I understand that Egg usually have compliant CCA forms so any avenue I can use to bargain with for my future repayments will be greatfully appreciated.

 

In Bryan Carters letter to me letter to me they assume that I will keep paying the amount the court agreed beyond the date the judge gave me.

 

I am awaiting statements so that I can see the charges and as soon as I have settled the CCJ I will request the credit agreement.

 

Thanks Meshi and payingonlyencouragesthem

Regards

Moeb

Link to post
Share on other sites

Summary of Question.

Do any of the experienced guys on here know if I can be taken to court twice for the same debt?

 

Summary of situation. Egg Credit Card £4300k owing.

Bryan Carter agreed to my repayments so i didn't defend or reply to a court action.

The judge registered a ccj of about £280 + court costs and Bryan Carter reserved the right to take me to court again in the future for the rest of the debt in his POC! At this rate I could have 10 ccjs before I get the debt repaid. I have requested my statements which will have some charges and I will request my Credit agreement when this CCJ is satsfied.

 

I have been paying them my agreed payment and topping it up to meet the court order - there is one more payment to make until I have settled the CCJ but I will then still be left with £3900 owing.

 

The particulars of claim state -

The claimant claims £280, such sum being part of a debt due under an agreement number "The Agreement " whereby the defendant agreed to pay the claimant £4300 "The Debt"

 

For the avoidance of doubt in making this claim for a part of the debt the claimant does not wave any rights as to the balance of the debt , which the claimant continues to owe to the claimant under the agreement. The claimant reserves the right to make further claim for such sums of the debt as remain outstanding.

 

My employer does not like it's staff to have ccjs but due to my circumstances "divorce +other stuff" they cut me some slack, however

if I keep getting taken to court I could possibly lose my job.

 

Regards

Moebius (sorry it is so long winded)

Link to post
Share on other sites

Thanks for the confirmation.

 

Would anyone happen to have any case law or details or precedents that I can use in future correspondence or court hearings.

 

I do not doubt either of you (Your knowledge is priceless to me) but I want to arm myself with as much as I can to fight any future legal action.

 

When I know how much my charges are this information will help me battle to get my charges knocked off my total.

 

Thanks so much to both Meshi and payingonlyencouragesthem.

 

One further thought is does this apply to just the DCA Bryan Carter or could Egg as the debt owner apply via another company?

Link to post
Share on other sites

Thanks for the confirmation.

 

Would anyone happen to have any case law or details or precedents that I can use in future correspondence or court hearings.

 

I do not doubt either of you (Your knowledge is priceless to me) but I want to arm myself with as much as I can to fight any future legal action.

 

When I know how much my charges are this information will help me battle to get my charges knocked off my total.

 

Thanks so much to both Meshi and payingonlyencouragesthem.

 

One further thought is does this apply to just the DCA Bryan Carter or could Egg as the debt owner apply via another company?

 

I think it comes under the civil procedure rules under part 1 overriding objectives and 3.4. im not sure but my adviser was good. Only the creditor can take you to court and once its heard then that's it. Bryan carter has mucked up big time only claiming a part debt. If he tries to take it to court again point out that the matter has already gone before the court.

I was also informed under common law and the human rights act that you can only be tried by a court of law once for something.

 

here is a link for some light reading

 

CPR - Parts and Practice Directions

Link to post
Share on other sites

Meshi is right but if you didn't point this out at any subsequent hearing BC's case would be waived through ie they are counting on your ignorance.

 

yes thats what the adviser said to me.

Link to post
Share on other sites

Summary of Question.

Do any of the experienced guys on here know if I can be taken to court twice for the same debt?

 

Summary of situation. Egg Credit Card £4300k owing.

Bryan Carter agreed to my repayments so i didn't defend or reply to a court action.

The judge registered a ccj of about £280 + court costs and Bryan Carter reserved the right to take me to court again in the future for the rest of the debt in his POC! At this rate I could have 10 ccjs before I get the debt repaid. I have requested my statements which will have some charges and I will request my Credit agreement when this CCJ is satsfied.

 

I have been paying them my agreed payment and topping it up to meet the court order - there is one more payment to make until I have settled the CCJ but I will then still be left with £3900 owing.

 

The particulars of claim state -

The claimant claims £280, such sum being part of a debt due under an agreement number "The Agreement " whereby the defendant agreed to pay the claimant £4300 "The Debt"

 

For the avoidance of doubt in making this claim for a part of the debt the claimant does not wave any rights as to the balance of the debt , which the claimant continues to owe to the claimant under the agreement. The claimant reserves the right to make further claim for such sums of the debt as remain outstanding.

 

My employer does not like it's staff to have ccjs but due to my circumstances "divorce +other stuff" they cut me some slack, however

if I keep getting taken to court I could possibly lose my job.

 

Regards

Moebius (sorry it is so long winded)

 

bryan carter done the same thing to me representing the royal bank of scotland.

 

I have sent in my defence.

 

Either way whether I win or lose he is in for the high jump. This guy thinks he can do what he likes. and hes a solicitor as well.

Link to post
Share on other sites

That's great Meshi thanks for your reply.

 

Good luck with your case and please let us know how you get on.

 

I'm sure all of us on here are wishing you the best of luck.(I Certainly am!):)

 

Moebus

 

P.s what sort of adviser do you have?

Link to post
Share on other sites

  • 2 months later...

Hi,

 

I'm hoping someone can give me an idea of where to go from here.

 

I have an egg credit card where I owe around £4k, they have just sent me a proper looking Credit Agreement although there are no terms and conditions. Does that make it invalid?

 

They have charged me £460 in late / overlimit and unpaid DD fess and there are Credit Card Repayment Protector charges amounting to £475.59.

How do I go about challenging these?

 

I have paid £300 back satisfying a CCJ that the solicitors brought against me for part of the debt.

I understand that they cannot take me to court again for this debt.

 

What sould I do now? Or at least what should I do next.

Link to post
Share on other sites

Would anyone happen to have any case law or details or precedents that I can use in future correspondence or court hearings.

 

 

Bhamjee v Forsdick [2003] EWCA Civ 799

 

Grepe v Loam

 

You may also wish to read the following:

http://www.ffw.com/documents/publications/Dispute_resolution/employerslaw_nov2003_gibson.pdf

 

Page 4 is of particular interest.

HAVE YOU BEEN TREATED UNFAIRLY BY CREDITORS OR DCA's?

 

BEWARE OF CLAIMS MANAGEMENT COMPANIES OFFERING TO WRITE OFF YOUR DEBTS.

 

 

Please note opinions given by rory32 are offered informally as a lay-person in good faith based on personal experience. For legal advice, you must always consult a registered and insured lawyer.

Link to post
Share on other sites

Thankyou to Rory32 and payingonlyencourages them.

 

My understanding is that if they try and take me to court again the fact that they would be doing this for a second time on the same debt means I could get the judge to throw the claim out. Is that correct?

 

However if I take this stance they are still going to process credit information about me and chase me for the money.

 

Should I still be offering a monthly repayment to try and ultimately get rid of the debt and clean up my credit record?

 

Thanks again for you knowledge and help.

Link to post
Share on other sites

Thankyou to Rory32 and payingonlyencourages them.

 

My understanding is that if they try and take me to court again the fact that they would be doing this for a second time on the same debt means I could get the judge to throw the claim out. Is that correct?

 

However if I take this stance they are still going to process credit information about me and chase me for the money.

 

Should I still be offering a monthly repayment to try and ultimately get rid of the debt and clean up my credit record?

 

Thanks again for you knowledge and help.

 

Wouldn't bother with payments - it didn't help last time.Just wait and see if they try to take you to court again - when it gets thrown out it will come off your credit report.

  • Haha 1

"Why CCJ when you can CCA!"

Link to post
Share on other sites

  • 1 month later...

Bryan Carter supplied a copy of my Egg Card agreement - 2 scanned pages with signature on 1 page their signature on the day before mine!

No T&Cs which I believe makes it unenforceable unless through a court. And they can't take me to court again for a second time for the same debt?(They took me to court previously for 10% which is now satisfied - I am awaiting reply from court to confirm)

 

I have just recieved a letter from Bryan Carter and Co saying that I have failed to honour my £50 per month payment.

 

Any suggestions on the best tactic to use now? Should I say no T&C's sent so you have not complied with section 78, you can't take me to court so what are you going to do? Or should I play my cards closer to my chest and just say account in dispute due to no T&C's? (As they cannot take me to court again I guess they will go Ape at me. Possibly taking me to court anyway hoping I will not contest.)

 

I aim to send letter guaranteed post tomorrow and want to check I am doing the right thing before I send it.

 

What I would be happy to achieve is for them to reduce my balance by the charges, PPI and interest and accept a reasonable monthly payment.

 

A 2ND CCJ could be disastrous for my job and I am a little nervous of how I would fight them in court.

 

Regards

Moebius

Link to post
Share on other sites

s35 of the County Courts Act 1984 states

It shall not be lawful for any plaintiff to divide any cause of action for the purpose of bringing two or more actions in one or more of the county courts.”

 

Quote this piece of law to them and tell them to bog off. Don't give them any more money.

"Why CCJ when you can CCA!"

Link to post
Share on other sites

Great,

 

Ok I will send them a letter quoting that piece of law.

 

Dears Sir / Madam,

acc ----------

 

I write in response to you letter dated -----

 

You have already taken me to court for this debt and you have written to me to acknowledge that I have satisfied this through the court.

 

I draw your attention to the s35 of the county courts act - 1984

 

It shall not be lawful for any plaintiff to divide any cause of action for the purpose of bringing two or more actions in one or more of the county courts.

 

----------------------------------------------------------------------

Now a question for you -

 

Any ideas how I should word the end of the letter? I would like to know what their future plans are now? And what will happen to these entries on my credit file?

 

Thanks POET

Regards

Moebius

Link to post
Share on other sites

Great,

 

Ok I will send them a letter quoting that piece of law.

 

Dears Sir / Madam,

acc ----------

 

I write in response to you letter dated -----

 

You have already taken me to court for this debt and you have written to me to acknowledge that I have satisfied this through the court.

 

I draw your attention to the s35 of the county courts act - 1984

 

It shall not be lawful for any plaintiff to divide any cause of action for the purpose of bringing two or more actions in one or more of the county courts.

 

----------------------------------------------------------------------

Now a question for you -

 

Any ideas how I should word the end of the letter? I would like to know what their future plans are now? And what will happen to these entries on my credit file?

 

Thanks POET

Regards

Moebius

 

"This being the case I regard the matter as closed. Please confirm that you have reset the balance on this account to zero and marked any entries on my credit file as satisfied."

 

I doubt you will have much luck getting the credit file amended but this should get the message through.

"Why CCJ when you can CCA!"

Link to post
Share on other sites

  • 1 month later...

Hello again,

 

just had a response saying that they want me to call them.

 

I don't want to speak to them on the phone, so I will send them yet another letter to explain.

 

They have put my account on hold for 10 days.

Link to post
Share on other sites

  • Recently Browsing   0 Caggers

    • No registered users viewing this page.

  • Have we helped you ...?


×
×
  • Create New...