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    • What type of finance is it?   HP, PCP, Loan? They want her to ring so they can bully her into making payments she can't afford...unless she can record her calls then IMHO, I'd keep everything in writing. Is £400 SSP her only income? There's no chance they will justify taking half of that.   Lodge a formal complaint with them ASAP, exhaust it, and then you can escalate it sooner rather than later, ruddy sharks!  
    • Is all of this actually on the signage? Don't remember seeing that much detail on other threads.
    • If I have learnt one thing from this forum, it's not to call and communicate via email. I passed this info on to her and they are pushing for her to call them.    "Unfortunately, you will need to call us. The conversation won’t be so black and white as to therefore type over email. In a nutshell we can confirm that the request to not pay for 3 months we cannot put in place"  I emailed them back on her behalf and said that what ever is discussed over the phone will need to be put in an email so that she can review it properly. No decisions will be made on that phone call.    "Once we speak to you on the phone we will follow up with an email to confirm the options discussed. [Phone number]"   Why are they pushing for a phone call? If its not so black and white, why can they then follow up with an email?  
    • Appreciate input Andy, updated: IN THE ******** County Court Claim No. [***] BETWEEN: LC Asset 2 S.A.R.L CLAIMANT AND [***] DEFENDANT ************ _________________________ ________ WITNESS STATEMENT OF [***] _________________________ ________ I, [***], being the Defendant in this case will state as follows;     I make this Witness Statement in support of my defence in this claim.   1. I understand that the claimant is an Assignee, a buyer of defunct or bad debts, which are bought on mass portfolios at a much-reduced cost to the amount claimed and which the original creditors have already written off as a capital loss and claimed against taxable income as confirmed in the claimant’s witness statement exhibit by way of the Deed of Assignment. As an assignee or creditor as defined in section 189 of the CCA this applies to this new requirement on assignment of rights. This means that when an assignee purchases debts (or otherwise acquires rights under a credit agreement) it also acquires certain obligations to the borrower including the duty to comply with CCA requirements (such as the rules on statements and notices and other post-contractual information). The assignee becomes the creditor under the agreement. This ensures that essential consumer protections under the CCA cannot be circumvented by assigning the debt to a third party. 2. The Claim relates to an alleged Credit Card agreement between the Defendant and Bank of Scotland plc. Save insofar of any admittance it is accepted that the Defendant has had contractual agreements with Bank of Scotland plc in the past, the Defendant is unaware as to what alleged debt the Claimant refers. The Defendant has not entered any contract with the Claimant. 3. The Defendant requested a copy of the CCA on the 24/12/2022 along with the standard fee of £1.00 postal order, to which the defendant received a reply from the Claimant dated 06/02/2023. To this date, the Claimant has failed to disclose a valid agreement and proof as per their claim that this is enforceable, that Default Notice and Notice of Assignment were sent to and received by the Defendant, on which their claim relies. The Claimant is put to strict proof to verify and confirm that the exhibit *** is a true copy of the agreement and are the true Terms and Conditions as issued at the time of inception of the online application and execution of the agreement. 4. Point 3 is noted. The Claimant pleads that a default notice has been served upon the defendant as evidenced by Exhibit [***]. The claimant is put to strict proof to verify the service of the above in accordance with s136 and s196 Law of Property Act 1925. 5. Point 6 is noted and disputed. The Defendant cannot recall ever having received the notice of assignment as evidenced in the exhibit marked ***. The claimant is put to strict proof to verify the service of the above in accordance with s136 and s196 Law of Property Act 1925. 6. Point 11 is noted and disputed. See 3. 7. Point 12 is noted, the Defendant doesn’t recall receiving contact where documentation is provided as per the Claimants obligations under CCA. In addition, the Claimant pleads letters were sent on dates given, yet those are not the letters evidenced in their exhibits *** 8. Point 13 is noted and denied. Claimant is put to strict proof to prove allegations. 9. The Claimant did not provide a true copy of the CCA in response to the Defendants request of 21/12/2022. The Claimant further claims that the documents are sufficient to pursue a Judgement and are therefore copies of original documents in their possession. Conclusion 10. Without the Claimant providing a valid true copy of the executed Credit agreement that complies with the CCA, the Claimant has no grounds on which to enforce this alleged debt. 11. The Claimant has been unjustly enriched at the expense of the Defendant by purchasing bulk debt at a greatly reduced cost and subrogating for the original creditor in trying to recuperate the full amount of the original debt 12. The Defendant was not given ample evidence to prove the debt and therefore was not required to enter settlement negotiations. Should the debt be proved in the future, the Defendant is willing to enter such negotiations with the Claimant. On receipt of this claim I could not recall the precise details of the agreement or any debt and sought clarity from the claimant by way of a Section 78 request. The Claimant failed to comply. I can only assume as this was due to the Claimant not having any enforceable documentation and issuing a claim in hope of an undefended default judgment.   Statement of Truth I, ********, the Defendant, believe the facts stated within this Witness Statement to be true. I understand that proceedings for contempt of court may be brought against anyone who makes, or causes to be made, a false statement in a document verified by a statement of truth without an honest belief in it’s truth. Signed: _________________________ _______ Dated: _____________________
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Ive been sloppy - will i lose my cases?


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Hi guys,

 

Im wondering if you can help me.

 

I started off to claims for my dad, who cant speak english very well and has been charged countless times on his personal and business account.

 

I started off two claims to get these charges back, i had already claimed back on my own account so i was familiar of the actions that needed to be taken. However this time around things had changed, such as the AQ not longer being needed. This completely threw me as i didnt refer back to this site so i didnt submit anything else until i got the allocation of case to small claims track (hearing). I have just sent off the witness statement by Gary H on this page

I didnt send the account T&C's as the link didnt work on that page, however i did sent the orton letter, and Schedule of charges and the pages from the OFT and that was it. I sent a copy to [problem] and the court with a cover letter simply saying

 

Dear court manager,

 

Here are the documents i intend to submit in my case, please let me know if there are any problems.

 

kind regards,

 

Ive got this horrible feeling that it will go to court and my dad wont be able to represent himself and im not sure what else i can do. If ive done everything correctly i can sleep well. But worst comes to the worst how can i represent my dad?

 

thanks for your help people

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hello there i thought the same thing about my girlfriends case which was due in the Mercantile Court in Leeds this Thursday gone.

You are allowed to be your Dads "LAY REPRESENTATIVE" if you ring the court and explain then put it in a letter addressed to the Court manager iyt should be fine.

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thanks donbracho,

So all i do is write to the court and say, I am represent my dad and then get my dad to sign it?

 

so what do you think my chances are of them settling before the case?

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hey up mate well kinda you say something like this ....

Court Manager

xxxxxxxxxxxx

wherever court is

 

Date

 

Dear Sir or Madam,

 

Case No: xxxxxxx

Due for xxx At xxxxxx Court

 

I request permission to take a lay representative to the hearing to speak on my behalf.

 

My reasons for this are on the basis that if the claim goes forward on the Small Claim's track, there is specific provision for the claimant to take along a 'lay representative' to speak on their behalf.

 

He is my father and in the small claims notes for guidance HMCS Booklet EX307 page 9 it says it is allowed with the courts permission.

 

His name is xxxxxx and lives at xxxxxx

 

Yours faithfully

 

 

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For the avoidance of any doubt, your father must still attend the hearing.

 

It is unlikely you will end up in court, they are likely to settle before then.

 

Who do you particulars of claim say, are they from this site?

If I have been helpful please click on my star and add a comment.

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Or in the alternative you could have your Dad sign a Power of Attorney for you to act for him. I believe he wouldnt need to be present

Whatever I post is my opinion and should be taken as such, an opinion. While it is what I believe and is offered in good faith, it should not be taken as a statement of truth

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Sorry to hijack, but I am handling claims for nearly every member of my immediate family, would I also be able to act as a lay representative or does there need to be a specific reason to do this?

HFC Bank - First letter claiming £196/LBA sent/£75 offered/rejected/Claim filed

HFC Bank Take 2 - Statements received

A & L - Prelim sent/LBA sent

Barclays (for my Dad) - Awaiting statements/LBA for S.A.R. sent/Statements received/Prelim sent/LBA sent

A & L (for my Son) - Awaiting statements/Statements arrived Prelim letter sent/£280 offered and rejected

Abbey (for my Sister) - ***Won***

Barclays PPI claim

Studio - ***Won***

HSBC - (for my brother-in-law) ***Won*** 8-)

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There are three types of representation, other than a solicitor:

 

1.A Litigation Friend acts on behalf of someone incapable of representing themselves, ie a child or patient. He issues the claim and, in their absence, presents the claim in court on their behalf.

 

2.A Lay Representative can represent anyone in court as long as the claimant is also present. The claim must be issued in the claimants name and all documents must be signed by the claimant.

 

In theory you don't have to give the court notice, just inform the court usher on arrival at court. But you can always mention this in 'Other Information' in the AQ or send a brief letter to the court once you have a hearing date. Permission is at the discretion of the court, but is usually granted.

 

A lay representative may, on application and with the court’s permission, conduct the case without the claimant being present. But this is extremely rare and there would have to be exceptional circumstances.

 

3.A 'Mackenzie Friend' can accompany a claimant and be present to advise him during the hearing, but cannot address the court themselves.

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MB

 

Can you advise on this.

 

The Courts and Legal Services Act 1990

 

Section 27 covers the Right of Audience

 

27.—(1) The question whether a person has a right of audience before a court, or in relation to any proceedings, shall be determined solely in accordance with the provisions of this Part.

 

(2) A person shall have a right of audience before a court in relation to any proceedings only in the following cases

  • (a) where—
    • (i) he has a right of audience before that court in relation to those proceedings granted by the appropriate authorised body; and

    • (ii) that body's qualification regulations and rules of conduct have been approved for the purposes of this section, in relation to the granting of that right;

  • (b) where paragraph (a) does not apply but he has a right of audience before that court in relation to those proceedings granted by or under any enactment;

I ask this as I am claiming my mums charges on a Lloyds TSB credit card after I won already for her on another account. I have a power of attorney on her account and was advised by her solicitor that I would, if necessary be able to stand without her presence

Whatever I post is my opinion and should be taken as such, an opinion. While it is what I believe and is offered in good faith, it should not be taken as a statement of truth

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There are three types of representation, other than a solicitor:

 

1.A Litigation Friend acts on behalf of someone incapable of representing themselves, ie a child or patient. He issues the claim and, in their absence, presents the claim in court on their behalf.

 

2.A Lay Representative can represent anyone in court as long as the claimant is also present. The claim must be issued in the claimants name and all documents must be signed by the claimant.

 

In theory you don't have to give the court notice, just inform the court usher on arrival at court. But you can always mention this in 'Other Information' in the AQ or send a brief letter to the court once you have a hearing date. Permission is at the discretion of the court, but is usually granted.

 

A lay representative may, on application and with the court’s permission, conduct the case without the claimant being present. But this is extremely rare and there would have to be exceptional circumstances.

 

3.A 'Mackenzie Friend' can accompany a claimant and be present to advise him during the hearing, but cannot address the court themselves.

 

Fab, thanks Michael

HFC Bank - First letter claiming £196/LBA sent/£75 offered/rejected/Claim filed

HFC Bank Take 2 - Statements received

A & L - Prelim sent/LBA sent

Barclays (for my Dad) - Awaiting statements/LBA for S.A.R. sent/Statements received/Prelim sent/LBA sent

A & L (for my Son) - Awaiting statements/Statements arrived Prelim letter sent/£280 offered and rejected

Abbey (for my Sister) - ***Won***

Barclays PPI claim

Studio - ***Won***

HSBC - (for my brother-in-law) ***Won*** 8-)

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For the avoidance of any doubt, your father must still attend the hearing.

 

It is unlikely you will end up in court, they are likely to settle before then.

 

Who do you particulars of claim say, are they from this site?

 

Hi Guido T, the notice of allocation asked for:

 

The trial has been allocated to the small claims track

 

Small claims trial directions are annexed (not sure what this means)

 

Each party shall deliver to every other party and to the court office copies of all documents (including any experts report)

 

Signed statements setting out the evidence of all witnesses on whom each party intends to rely shall be prepared and included in the documents mentioned. THis includs the evidence of the parties themselves and of any other witness, weat5her or not he is going to come to court to give evidence.

 

The particulars of the claim which i put into Moneyclaim online was cut and pasted from this site. The only thing i have sent since then is a witness statement, orton letter, SOC and OFT reports to the court and to [problem]. what do you think? thanks for your input

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There are three types of representation, other than a solicitor:

 

1.A Litigation Friend acts on behalf of someone incapable of representing themselves, ie a child or patient. He issues the claim and, in their absence, presents the claim in court on their behalf.

 

2.A Lay Representative can represent anyone in court as long as the claimant is also present. The claim must be issued in the claimants name and all documents must be signed by the claimant.

 

In theory you don't have to give the court notice, just inform the court usher on arrival at court. But you can always mention this in 'Other Information' in the AQ or send a brief letter to the court once you have a hearing date. Permission is at the discretion of the court, but is usually granted.

 

A lay representative may, on application and with the court’s permission, conduct the case without the claimant being present. But this is extremely rare and there would have to be exceptional circumstances.

 

3.A 'Mackenzie Friend' can accompany a claimant and be present to advise him during the hearing, but cannot address the court themselves.

 

 

I will go for the Lay representative, i have made the claim under my father and all documents are from him. But im not sure he has signed them all before i sent them :(. I will get him to sign the Lay representative letter to the court however.

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I ask this as I am claiming my mums charges on a Lloyds TSB credit card after I won already for her on another account. I have a power of attorney on her account and was advised by her solicitor that I would, if necessary be able to stand without her presence

 

That's quite likely, but you would still need to apply for the courts permission. I don't think the mere existence of a PoA, would give you the automatic right to represent her without her presence. You would have to state the reason why she can't be present.

 

PRACTICE DIRECTION – SMALL CLAIMS TRACK - This Practice Direction supplements CPR Part 27

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ok im sending what donbracho said today. anyone got any ideas on post #12 on this topic? im worried that i havent done enough and i have 2 more days left if i need to submit anything else than what i said in the above post

 

cheers guys

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oh i didnt know that. Ive sent the witness statement, soc, ofton letter and oft report already.

 

my claim is The small claims track 'standard directions' - do you think im able to submit the court bundle on top of what ive already sent? what is the witness statement for as it requires the same docs? will that be enough on its own?

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I presume you were not ordered to send the witness statement, soc etc prior sending them.

 

On that basis I would ignore them and re-send together with the documentation as the court directions and issue a complete bundle as the link in post 16 above.

If I have been helpful please click on my star and add a comment.

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this is what i got on my hearing letter

 

The trial has been allocated to the small claims track

 

Small claims trial directions are annexed (not sure what this means)

 

Each party shall deliver to every other party and to the court office copies of all documents (including any experts report)

 

Signed statements setting out the evidence of all witnesses on whom each party intends to rely shall be prepared and included in the documents mentioned. THis includs the evidence of the parties themselves and of any other witness, weat5her or not he is going to come to court to give evidence.

 

It does ask for witness evidence above doesnt it?

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guys the last day to send stuff in was yesterday...im done for! will the witness statement be enough? can i still send in my bungle and lay representative request?

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