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    • Firstly, I would like to thank everyone for their help in this matter. Since my last post I have received a reply from Plymouth Council Insurance Team concerning my wife’s accident (please see enclosed letter and photo of the offending Badminton post) which they deny any responsibility for the said accident. I feel that the Council is in breach of their statutory duties under the following acts: The Leisure Centre was negligent in its duty of care and therefore, in breach of the statutory duty owed under section 2 of the Occupiers’ Liability Act 1957. Health and Safety at Work Act 1974 (the Act) to ensure, so far as is reasonably practicable, the health, safety and welfare at work of all their employees, and others who might be affected by its undertaking, e.g. members of the public visiting the Leisure Centre to use the facilities. The Management of Health and Safety at Work Regulations 1999 that requires employers to assess risks (including slip and trip risks) and, where necessary, take action to address them. The Provision and Use of Work Equipment Regulations (PUWER) require the risk to people’s health and safety from equipment that is used at a Leisure Centre be prevented or controlled. I would like some advice to see if my assumptions are correct and my approach to obtaining satisfactory outcome to this matter are accurate. Many thanks   PLM23000150 - Copy Correspondence.pdf post docx.docx
    • Talking to them does not reset the time limit, although they will probably tell you it does, they'd be lying. Dumbdales are the in-house sols for Lowlife, just the next desk along. If Lowlifes were corresponding with you at your current address then Dumbdales know your address. However, knowing that they are lower than a snake's belly, you would be well advised to send them a letter, informing them of your current address and nothing else. Get 'proof of posting' which is free from the PO counter, don't sign it, simply type your name. That way then they have absolutely no excuse for attempting a back door CCJ.   P.S. Best course of action, IGNORE them, until or unless you get a claim form......you won't.
    • A 'signed for' Letter of Claim has been sent today so they have 14 days from tomorrow... Lets wait and see what happens but i suspect judging by their attitude they wont reply 
    • I am extremely apprehensive about burning our files.... I do not know why, so it is becoming an endless feedback loop. Scared to pull the trigger to speak in the desire not to mess up my file. 
    • Hi All, So brief outline. I have Natwest CC debt £8k last payment i made was 7th November 2018 Not a penny since. So coming up to the 6 year mark. Can't remember when i took out the  credit card would be a few years before everythign hit the fan. Moved house 2020 - updated NatWest as I still have a current account with them. Then Lowells took over from Moorcroft and were writing to me at my current address. I did get a family member to speak to them 3 years ago regarding the debt explained although it may be in my name I didn't rack it up then went contact again. 29th may received an email from overdales saying they were now managing the debt. I have not had any letter yet which i thought is odd?  Couple of questions 1. Does my family member speaking to lowell restart statute barred clock? 2. Do you think overdales aren't writing to me because they will back door CCJ to old address even though Lowells have contacted me at current address never at previous? ( have no proof though stupidly binned all letters  ) Should I write to them and confirm my address just incase? Does this restart statute barred clock? 3. what do you think best course of action is?   Any help/advice is appreciated I am aware they may ramp up the process now due to 7th December being the 6 year mark.   Many Thanks in advance! The threads on here have been super helpful to read.  
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    • 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.

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      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.

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      OT APPROVED, 365MC637, FAROOQ, EVRi, 12.07.23 (BRENT) - J v4.pdf
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adamski V lloyds ***SETTLED IN FULL***


adamski
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Sean take a look at mine and Molly's threads, we're all at about the same stage so lets all be nervous together eh. and keep up the fight....

 

good luck

freebird

1/6/06 request charges

16/6/06 received charges

18/6/06 first request for refund

3/7/06 "No" letter from bank

13/7/06 LBA

7/08/06 handed claim to court

10/8/06 court stamped as date of issue

24/8/06 deemed to be served

25/8/06 Sechiari filed acknowledgement of service

6/9/06 defence served

9/9/06 copy of defence and AQ received by me

25/9/06 deadline for AQ submission

25/9/06 call Sechiari confirm safe receipt of my AQ

26/9/06 received copy AQ from Sechiari

29/9/06 letter to SCM to say "you want 1 month to settle, so settle"

18/10/06 after "strained communications"and how !

verbal offer of full settlement with conditions

communications rejecting conditions from me

5/11/06 received letter offering settlement with conditions

7/11/06 sent fax rejecting conditions etc

14/11/06 unconditional settlement in bank and how !;)

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Thanks Freebird.

 

Good luck with your's and Molly's claim, the court should have received my AQ today.

 

Do you know how long it will take to get a reply, or court date?

 

I feel alot better now knowing that I'm not the only one at this stage.

 

Cheers

Sean

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AQ and Schedule of charges and all correspondence on this matter handed into my local court today a day before deadline with £100 cash which hurt me, and a copy of this sent to SCM the ice cream sellers.

Wish me luck

Keep you posted

Regards

adamski

 

 

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Ok

Received SCMs or as they put it the defendents AQ today, nothing specail, now i await my court date, i have a feeling my local is not as busy as other courts as there are 2 or 3 in close proximity to me.

Now i just wait, it stated that i had to give them my account number and sort code but my account number is on the claim form!! im puzzled

Regards

adamski

 

 

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Has anyone else had their AQ back and in section G:Other information asking for "account number and sort code so the defendent can identify the account in question", like i said before surely they know who i am the account number is on my POCS on my claim form

and all the letters i sent them.

Any theorys as to why they stated this?

Regards

adamski

 

 

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..Any theorys as to why they stated this?........

 

Possibly because they are completely useless.

  • Confused 1

..

.

 

Opinions given herein are made informally by myself as a lay-person in good faith based on personal experience. For legal advice, you must always consult a registered and insured lawyer.

 

 

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When you provide the info, ask them if they would like you to pop over and complete their documentation for them! Reasonable rates, no job too small!:D

 

Elsinore

 

 

lol

Letter asking for my money back sent 24/07/06

Letter sent by them saying a big fat "NO" on the 26/07/06

LBA sent via email on the 31/07/06 14 days and counting.

Letter from them on 07/08/06 saying Bugger Off

MONEY CLAIM ISSUED 14/08/06

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Has anyone else had their AQ back and in section G:Other information asking for "account number and sort code so the defendent can identify the account in question", like i said before surely they know who i am the account number is on my POCS on my claim form

and all the letters i sent them.

Any theorys as to why they stated this?

Regards

adamski

 

Yorkshire Bank / Clydesdale Bank are now apparently working on a similar line to Lloyds - threatening to get MCOL claims kicked out because no schedule of charges was attached, requiring account number AND sort code, etc etc. Basically, clutching at straws for any way to get the claim delayed/cause more hassle for the claimant.

 

I would love to refer a county court judge to these threads and experiences people are having with their various banks. If there was any real justice they'd be cut down in short order.

reload vs Lloyds - £2703.11 Settlement Reached 14/07/06.

reload vs Lloyds Round 2 - Prelim sent 27/03/07. £435 owed.

reload vs Capital One - £456.57 Settlement Reached 14/07/06.

reload's mum vs Barclays - £745 owed. £375 partial settlement reached 17/10/06.

Lloyds Bank - The Template Response Letters!

 

Advice & opinions of reload are offered informally, without prejudice and without liability. Please use your own judgment. Seek advice of a qualified insured professional if you have any doubts.

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Thanks im reasuured i have not given them my sort code but i thought the account number would be original surely other wise someone else could access my account by mistake, i dont think i will worry about this then thanks for the reassurance peeps

Regards

adamski

 

 

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I handed mine in the day before the deadline and received Lloyds 2 days later thought id play their game and wait til the deadline, had to raise the £100 as well!!

Regards

adamski

 

 

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It will be any day now im sure they wait till the death we all know that, im sure if we all wrote to the shareholders of Lloyds and explained to them the money they are wasting ie the 8%, AQ Fee and Court fee it must now be running at a considerable sum, mine alone at the extra cost for going all the way stands at present at £470 by the time they settle it will be well into £500 extra if they had settled at LBA stage.

Just how much are the shareholders prepared to lose?

Regards

adamski

 

 

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guess it's all a drop in the ocean to them, what's a few thousand to them anyway ?...like I'm saying to them now, " settle with me now and you won't have so much interest to pay! " and they're saying......."go whistle.........interest or not, your claim is chicken feed to us !"

we're talking about disgustingly rich institutions...and that's why I hate them for making me sweat every day on a phone call or letter to settle..ba$tard$

1/6/06 request charges

16/6/06 received charges

18/6/06 first request for refund

3/7/06 "No" letter from bank

13/7/06 LBA

7/08/06 handed claim to court

10/8/06 court stamped as date of issue

24/8/06 deemed to be served

25/8/06 Sechiari filed acknowledgement of service

6/9/06 defence served

9/9/06 copy of defence and AQ received by me

25/9/06 deadline for AQ submission

25/9/06 call Sechiari confirm safe receipt of my AQ

26/9/06 received copy AQ from Sechiari

29/9/06 letter to SCM to say "you want 1 month to settle, so settle"

18/10/06 after "strained communications"and how !

verbal offer of full settlement with conditions

communications rejecting conditions from me

5/11/06 received letter offering settlement with conditions

7/11/06 sent fax rejecting conditions etc

14/11/06 unconditional settlement in bank and how !;)

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Received AQ from SCMs today - they have requested an extra month, they have also asked me to acknowledge receipt of their AQ and send a copy of mine (which I didn't send originally).

 

They have also stated in section G that they will use their original defence - has anyone else had this yet?

 

Regards

Sean.

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join the club sean, they sit round on their backside for another month while we run around like headless chickens...doing all the chasing up, phone calls and letters..looks like we're all in the same boat here and Loyds are palying the same tactics with everyone !

We've just got to keep on trying...

1/6/06 request charges

16/6/06 received charges

18/6/06 first request for refund

3/7/06 "No" letter from bank

13/7/06 LBA

7/08/06 handed claim to court

10/8/06 court stamped as date of issue

24/8/06 deemed to be served

25/8/06 Sechiari filed acknowledgement of service

6/9/06 defence served

9/9/06 copy of defence and AQ received by me

25/9/06 deadline for AQ submission

25/9/06 call Sechiari confirm safe receipt of my AQ

26/9/06 received copy AQ from Sechiari

29/9/06 letter to SCM to say "you want 1 month to settle, so settle"

18/10/06 after "strained communications"and how !

verbal offer of full settlement with conditions

communications rejecting conditions from me

5/11/06 received letter offering settlement with conditions

7/11/06 sent fax rejecting conditions etc

14/11/06 unconditional settlement in bank and how !;)

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Got exactly the same A/Q this morning

"The defendent intends to rely on its defence and the T&Cs that govern the account"

An their so, so very busy they cant make it to court until december, blah blah blah, bless their little cotton socks

Victory over Lloyds £890

Click!

Victory over Vodafone: default removal

click!

Victory over Lloyds PPI claim £2606 click!

Barclaycard lazygoing - £580 + £398 contractual int at 17.7 % click! (Received partial payment £110 21/11/06)

The GF's battle against RBS click! stayed awaiting the end of the world

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If you read my thread you'll know where I'm up to, but I'm wondering in all this...Am I missing something..or do the Courts actually want us to believe that, they agree to stays because THEY really believe that the banks/solicitors are genuinally going to enter into negotiations...

 

or would I be cynical to think that the courts are leaning on the side of the "other" legal professionals and allowing them to stall.....for time and the little person doesn't really matter?

1/6/06 request charges

16/6/06 received charges

18/6/06 first request for refund

3/7/06 "No" letter from bank

13/7/06 LBA

7/08/06 handed claim to court

10/8/06 court stamped as date of issue

24/8/06 deemed to be served

25/8/06 Sechiari filed acknowledgement of service

6/9/06 defence served

9/9/06 copy of defence and AQ received by me

25/9/06 deadline for AQ submission

25/9/06 call Sechiari confirm safe receipt of my AQ

26/9/06 received copy AQ from Sechiari

29/9/06 letter to SCM to say "you want 1 month to settle, so settle"

18/10/06 after "strained communications"and how !

verbal offer of full settlement with conditions

communications rejecting conditions from me

5/11/06 received letter offering settlement with conditions

7/11/06 sent fax rejecting conditions etc

14/11/06 unconditional settlement in bank and how !;)

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Share on other sites

I do believe they are very very busy and they were never prepared for the amount of claims they must be getting 5 or 10 a day from the look of the litigation section sometimes, and thats just from this site im sure lots of other people are doing this either from another sites advice, using their own solcitors, and independently, i think they wait until the last possible moment with everyone, i handed my AQ a day before deadline and received theirs 3 days later they must have done it on the same day!.

From what i have worked out from studying other people threads and they all have a similar timescale, days between each other when receiving settlements i have worked out that should get mine on or near Christmas Day!! i issued my claim on moneyclaim on the 10th August.

Regards

adamski

 

 

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well I'd dearly like to think that we'll all get a lovely Christmas present, here's hoping eh and good luck

1/6/06 request charges

16/6/06 received charges

18/6/06 first request for refund

3/7/06 "No" letter from bank

13/7/06 LBA

7/08/06 handed claim to court

10/8/06 court stamped as date of issue

24/8/06 deemed to be served

25/8/06 Sechiari filed acknowledgement of service

6/9/06 defence served

9/9/06 copy of defence and AQ received by me

25/9/06 deadline for AQ submission

25/9/06 call Sechiari confirm safe receipt of my AQ

26/9/06 received copy AQ from Sechiari

29/9/06 letter to SCM to say "you want 1 month to settle, so settle"

18/10/06 after "strained communications"and how !

verbal offer of full settlement with conditions

communications rejecting conditions from me

5/11/06 received letter offering settlement with conditions

7/11/06 sent fax rejecting conditions etc

14/11/06 unconditional settlement in bank and how !;)

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Share on other sites

Adamski- the court allowed a stay on my case- They have till the 19th of november to try and settle with me. (well thats what it says in the letter)

 

Thought i would give you an update as we are on the same time scale

 

Vic x

Letter asking for my money back sent 24/07/06

Letter sent by them saying a big fat "NO" on the 26/07/06

LBA sent via email on the 31/07/06 14 days and counting.

Letter from them on 07/08/06 saying Bugger Off

MONEY CLAIM ISSUED 14/08/06

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