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    • Problem with our link but im sure your aware of what Fast Track entails    Fixed hover your mouse over the word.       .
    • UPDATE 27/01/2022   I have filled out all the SD's for all the tickets (fifteen in total) and now I have respond from court - they took off the Bailiff charges and asked council for original price.   Council just send me an letter regarding one of the PCN's asking to pay 130£ in 28 days.   There was another ticket for speeding but was send from Metropolitan Police and they did asked to name the driver, which I did. She have to attend the course or face penalty.   Contacting Council of Ealing was a huge pain, I contacted them in November yet had to fill formal complain in order to get any answers recently. They supplied me with 15 videos showing my ex driving the car on the bus lane, yet they told me as an owner I am responsible for paying the tickets and I cannot name the driver, they don't care. I took her to the post office and she signed the V62, she is still waiting for the V5C.   I have been told by Council of Ealing that there are another 11 charges for the same bus lane violation ...     My questions in this moment are: Is there no discounted rate of 65£ after Statutory Declaration?  Will she be able to pay in installments?  As total amount is around 2.5k - 3k (depends if the new 11 tickets she will pay before 15/02) Do I have to worry much if she will fail to pay even though car is owned now by her (she signed V62) and she can be recognized on the CCTV footage? 
    • The Training room is an unethical sales company disguised as an educational organisation. In 2019 I enrolled with The Training Room for a software development course which I fully intended to complete. I suffer from MDD, Anxiety and ADHD and I was concerned that this would affect my course in some way, this is information that I gave over the phone to the person selling me the course.  My mental health suffered when I discovered that the course was nothing more than large blocks of text and a “tutor” who could only answer questions about the blocks of text.  This was extremely difficult for my ADHD, but I really wanted to obtain the qualifications- so I requested information regarding extending my course from The Training Room, to which I received no response.  I didn’t pursue it because I had a job, was making the payments and things were going well. Then, the pandemic struck and I lost my job and was refused furlough because I had started after the government cut off date. My mental state suffered further along with my financial state, and even though I managed to get onto Universal Credit, I was struggling. I rang The Training Room and eventually I was told it would cost an initial £200 and then £15 per month until I finished the course. As time went on, my mental health slowly improved with the help of my psychiatrist and psychologist.  However, when my course deadline hit, The Training Room told me, for the first time, that I wasn't eligible to extend my deadline because I hadn't completed enough of the course. This shocked me, as nothing had been said about this before this point. I explained my financial and mental situation and was given a ‘generous’ offer which allowed me to stay on the course for a maximum of four months after my deadline for a fee of £350. If I had been able to afford that option, I would have taken it, however, as I informed them both in writing and over the phone, I was struggling to complete the course within the deadline because of my financial and health issues – charging me more and giving me minimal time to complete the course merely exacerbated the problem. The Training Room is threatening me with legal action if I do not pay the full course fees of over £2000 and I do not have the money, nor do I think it is fair that they should charge me this. They did not listen to me, and were dishonest with me from the start. I’m not the only person who has had this experience with the Training Room.  Is it really legal for them to be so unethical? Am I going to be forced to pay this even though it’s completely unreasonable? Any advice or insights would be really appreciated.  
    • Thanks.   So having quickly looked through that second link, @simeon1964 needs to be fully aware that he might be liable to pay the other side's costs if he loses this fast track case?   (The first link is blocked for me.  Is that a problem with the link or is my AV software not liking it?)
    • Sorry to jump on this post, but I have just had 2 debts fall off my credit file due to being statute barred. Both owned by Lowell. Should I send them a statute barred letter?   They haven't contacted me specifically about these, other than they regularly send letters which include them at the top saying they have accounts of mine that need paying. One of these worries me especially though as it is listed at my old address, or it was on my credit file before it dropped off. I ignored that for ages because I was worried it might make them take me to court for them and I didn't want to draw their attention to it, but they have included the debt (Vanquis) on other letters they have sent to me at my address. I asked on here and sent a letter a few months back with my change of address but they didn't update my credit file with the right address so I don't actually know which address they would use. I also don't know if they have just written it off or if they will try and get a ccj for them..
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Checkoutdolly V's Lloyds***WON***


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Have just rung the court and Llyods haven't filed an acknowledgement so now i go for judgement by default. i know i need to request a warrent of execution but do i do this all on the same day need a bit of advice before i go up to do it.I have read and read but seem to be reading so much it aint sinking in:confused:

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been up to court today and have put in for judgement by default just a waiting game now isnt it. till i go to the next round bit of a nightmare really ordinary people like us taking on the big bad banking world am reading till ive gone cross eyed

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Hi Dolly, next step is wait for the judgement. When you have it send a copy to Lloyds with a letter asking them to pay within a timescale (I gave 10 days) or you will issue a warrant. I would also send a copy to SC&M by fax and post. Address is

Sechiari Clark & Mitchell

PO Box 499

Upper Ground Floor

1-5 Queens Road Quadrant

Brighton

East Sussex

BN1 3XJ

Barclays - 2 Accounts - WON

Capital 1 - WON with CI

LTSB - WON

LTSB pre 6 years - N1 for non compliance filed

Barclays pre 6 years - Prelim sent

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  • 2 weeks later...

Have just rung courts

they must be well back logged they havent entered the judgement yet are only up to the 14th of mays work and mine was given in last week the 4th of june could be another two or three weeks before they get round to it.

Wondering if i would be as well sending yet another letter to stinky Llyods bank

what do you think????????

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Well filed my claim into court on 10th of may says it was issued to Llyods on the 12th of May and they had up to the 26th to acknowdlege it I have heard nothing at all. so sent a letter as advised in judgement thread the deadline is up today. would you go and obtain judgement or give them till 4pm today to see if they put anything into my bank account (very much doubt it) if i do this will be thursday before i have a day off again to get up to court. Or do you think i should give the court a ring to see if they have any acknowlegement of claim off Llyods?

Had to go to court in person to get my notice of issue as they said it had been posted twice but nothing and they don't know what happened to it.

 

so claim was deemed served(issued) on the 12th may

they had 14 days to acknowledge(26th may) if they did they then get a further 14 days(9th June)to enter their defense which was Saturday so that rolls on to Monday the 11th of June,

you now need to phone the court to check they have met this deadline,

if they have, then the letter requesting judgment is not applicable,if they haven't then your request for judgment is still in play

but be warned the courts have been allowing the banks late response

because they plead that they are "snowed under" with the sheer ammt of claims

and the next thing you will get from the court is the allocation questionnaire

  • Haha 1

[sIGPIC][/sIGPIC]

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give it till next monday then push for that judgement then,

(it has to go to the judge who says yeay or nay)

but be warned they are allowing the banks to enter late defences,AQs

so do not be suprised if you found the courts have allowed this to happen

[sIGPIC][/sIGPIC]

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I don't think the court will allow Lloyds to defend now. If they haven't even acknowledged the claim, then they're WELL late!

 

Push for judgement now. do you have your 'notice of issue' with the request for judgment on it? Tick box 'A'

 

;)

  • Haha 1

Barclays (2 accounts) WON

Lloyds TSB (Daughter's) WON

 

Cohen's: WON (discontinued)

DLC: Given up, gone away.

Eversheds: Trying!

Equidebt: In default

Intrum J: Return to OC

iQor: Stopped paying.

Link: In default.

ScotCall: Return to OC

Thames: Stopped paying.

 

 

I am NOT a legal or financial expert. There are many CAG members and staff who are better qualified. Please do not make major decisions based on my advice alone.

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but fact remains that it (judgment) can only be sanctioned by the judge

and we know the history of the banks being given leeway regarding timescales appertaining to the banks

[sIGPIC][/sIGPIC]

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well have gone for judgement Llyods not responded to anything rang court yesterday to find out if there was any correspondence off them and ziltch. have sent another letter requesting they pay up first but not expecting anything off them. courts well back logged though as they are still working on cases dated May the 14th so it's just a waiting game might rin the court again monday to see if aanything has progressed

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Hi Dolly, Thought I'd drop in and let you know I'm still around. It took around 6 days for the court to send my judgement through so I'd give them till wednesday at least. You will hear something soon. ;)

Barclays - 2 Accounts - WON

Capital 1 - WON with CI

LTSB - WON

LTSB pre 6 years - N1 for non compliance filed

Barclays pre 6 years - Prelim sent

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Either that or we're both stuffed :D

Barclays - 2 Accounts - WON

Capital 1 - WON with CI

LTSB - WON

LTSB pre 6 years - N1 for non compliance filed

Barclays pre 6 years - Prelim sent

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Either that or we're both stuffed :D

 

neither of you are stuffed

the judgement can only be sanctioned by a judge

you are still on track to get your cash back;)

[sIGPIC][/sIGPIC]

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Hi

Just thought I'd drop by as I am in same position. I've been granted judgement as Lloyds TSB failed to defend my case.

I've faxed a copy of the judgement to [problem] and guess now it's just a waiting game.

Good luck all hope we all get good news soon ;)

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