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    • See what the latest data on school suspensions tells us about the UK education system and early intervention.View the full article
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    • Hello, Following the submission of my defense, last night I received an email from DCBL indicating that the claimant intends to proceed with the claim (I've attached a screenshot of the email for reference) along with the N180 directions questionnaire. I'm unsure how they obtained my email, but I suspect it was through the courts' form when I completed the Acknowledgment of Service. This email almost slipped my attention. I have also today received a letter from court to state they have received my defense.  It appears they are requesting an online telephone hearing with the court. Could you please advise me on the necessary steps I should take at this point? Thank you for your assistance. Letter-Email 25-04-24.pdf N180 - Directions questionnaire (Small Claims Track).pdf
    • Default Amount £9237.88, all this started in 2006 Admitted debt £9075.65 Weightmans added £1515.01 immediately they became involved, no explanation The Statement shows when Marlin bought debt in May 2011 £10439.25 Their statements, not received until the SAR, are based on this. Cabot deducted £1515.01on their statements in January 2019, again did not find this out until SAR. Weightmans added in  2007 after the CH1 etc was confirmed by the court £741.50, made up of Process server fees, Court Fee (they tried for bankruptcy), Solicitors fee and Land Registry fee. Unspecfied Legal costs were added by Marlin in March 2015, again I did not know this until statements received with SAR I had been paying monthly, without exception until December 2018. I am minded to take the property charge, CH1 amount ,deduct all my payments and the subsequent fees, and request/demand a refund on the final payment made? I consistently disputed Weightmans balances, but they never responded. I also told Mortimer Clarke/Cabot that I disputed their amounts.  
    • Just follow this link and have read of some threads so your familiar with the process https://www.consumeractiongroup.co.uk/topic/347310-legal-n180-directions-questionnaire-small-claims-track/#comment-5178739
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    • 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
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We won against LTSB!!!


friar
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Hi everyone

I am trying to claim back my daughter's bank penalty charges and have followed all the steps from MSE website. Having started proceedings on-line via HMCS, the bank acknowledged and then defended the claim. It has now been transferred to the local Court with a letter ststing that, unless the local Judge considers otherwise, the allocation questionnaire is set aside. What does this mean? Can the case still beheard in the small claims system and what do we have to do now?? My daughter is getting really scared of going to court which is presumably what Lloyds TSB want her to be, but I need all the info I can get.

Thanks

Friar

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Hiya Friar,

 

Welcome to CAG.

 

You need now to go to your banks forum. Follow this link..

 

http://www.consumeractiongroup.co.uk/forum/lloyds-bank/

 

Thee are plenty of people at the same stage as you, and you will get all the help and advice in there.

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Hi thanks for your help yesterday. I'm new to this site and don't really understand where and how to ask for help so sorry if I'm not s'posed to contact you!! I'm fighting LTSB for my daughter who is getting scared! We have now been moved from Northampton ( via the MCOL site) to Brighton County Court (where my daughter lives) and have today received the LTSB defence which is basically the "embarassing and too vague" defence. As we did everything via the templates on the MSE website and supplied all the account info, charges and statement breakdowns etc this defence is clearly nonsense. Do I now reply to the defence or wait for the Court to ask for details? Also any advice on what happens next? The threads are useful and seem to say wait and they will pay!! Let's hope so. Finally I can't seem to post threads on the LTSB forum-it says my account hasn't got the status to let me do this-what does that mean??

Sorry again if this is a pain but if you could point me in the right direction I'd be grateful-Daughters eh??

Friar

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Hiya Frair,

 

Of course you can contact me or anyone one else here. Every one helps every one else here. :)

 

i will get this thread moved to the Llodys forum for you.

HOW TO...DUMMIES GUIDE TO CAG...Read here

STEP BY STEP GUIDE...Read here

F&Q's... Read here

EVERYTHING YOU NEED THE A~Z GUIDE...Read here

 

Go to our Cag Toolbar Download page here

 

Please don't forget this site is run on DONATIONS If this site has helped in any way, then please give a little back. ;-)

Any opinions are without prejudice & without liability. All I know has come from this site. If you are unsure, please seek professional advice. .

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Ok, I have moved this thread into the Lloyds forum for you.

Basically you need to wait for further instructions from the court in the mean time you can read through the stickies at the top of the Lloyds forum these will help. Read our step by step instructions also.

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  • 2 weeks later...

Hi everyone,Having followed all the steps one by one for the past 3 months and having had LTSB defend the claim, we were waiting for the dreaded court date when yesterday they agreed to pay the claim in full plus court costs!!! SO IT WORKS!!!It may be coincidence but this may help you if you are in the position where the case is transferred to your local court and LTSB enter the "claim too embarrassing and not particularised" defence. There is a template letter from Gary H , moderator on the site-you will find it at the LTSB forum under "answering the claim too embarrassing defence" and it details what you should reply when sending back your AQ when the bank have entered this defence. Now more and more the courts are dispensing with the AQ -indeed I did not have to complete one BUT I adapted that letter and sent it to the court( Brighton) as a counter to their defence and 5 days later they paid up SO that letter seemed to indicate to the court and LTSB that we knew what we were talking about so definitely worth sending it. Thanks to all who encouraged us and told us to keep going and it is great to know that, when you get a nasty letter that you are not the only one and that it is a standard tactic from the bank.Good luck everyone-if I can do it so can you!!

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Thanks. One question you may be able to help with. This claim was for my daughter and there are conditions attached to the settlement e.g don't do it again, stay within the limits, negotiate a new overdraft etc. Are there ominous or OK? Any help would be great.

Friar

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congrats friar-d-can i ask -how much was your claim for and did you get cci???-thanks

lloyds S.A.R -sent 04/04/200

statements received 11/05/2007

prelim-14/05/2007 -£4987

lba-30/05/2007

n1-20/07/2007

 

Co-Op prelim sent-20/04/2007-£136.50

settled in full

goldfish prelim-27/06/2007

 

capital one -deemed served -01/07/2007

settlement without cci offered 17/07/2007

halifax prelim-17/07/2007

 

aqua--prelim-13/07/2007

 

welcome-prelim-30/06/2007

lba-14/07/2007

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Friar, Congratulations. Where is your original thread so that everyone can join in on your enjoyment?

broke dave v LTSB WON £3840 2 weeks before court.

Mrs broke dave v Barclays accepted offer £355.

broke dave v LTSB (Business) Prelim stage.

broke dave v LTSB (2nd Claim) LBA stage.

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Anyone subsribing to this Friar has won but posted it on a different post!

broke dave v LTSB WON £3840 2 weeks before court.

Mrs broke dave v Barclays accepted offer £355.

broke dave v LTSB (Business) Prelim stage.

broke dave v LTSB (2nd Claim) LBA stage.

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Hi everyone,Having followed all the steps one by one for the past 3 months and having had LTSB defend the claim, we were waiting for the dreaded court date when yesterday they agreed to pay the claim in full plus court costs!!! SO IT WORKS!!!It may be coincidence but this may help you if you are in the position where the case is transferred to your local court and LTSB enter the "claim too embarrassing and not particularised" defence. There is a template letter from Gary H , moderator on the site-you will find it at the LTSB forum under "answering the claim too embarrassing defence" and it details what you should reply when sending back your AQ when the bank have entered this defence. Now more and more the courts are dispensing with the AQ -indeed I did not have to complete one BUT I adapted that letter and sent it to the court( Brighton) as a counter to their defence and 5 days later they paid up SO that letter seemed to indicate to the court and LTSB that we knew what we were talking about so definitely worth sending it. Thanks to all who encouraged us and told us to keep going and it is great to know that, when you get a nasty letter that you are not the only one and that it is a standard tactic from the bank.Good luck everyone-if I can do it so can you!!

 

Hello friar well done. We were awaiting our court date from local court and this morning my husband phoned me at work and said Lloyds would like to settle in full plus interest and court fees all we need to do is sign the letter and send it back by doing so we agree to their t&c.

 

Can you tell me if you just sent that back or worded your own letter and which is the better option?

 

Thank you

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Difficult isn't it?? The advice would seem to be to draft your own conditions ( see the link above from Barty) but if the T&C's seem OK it's up to you. There's an element of "take the money and run" but don't sign up to anything onerous. If in the future the OFT or anyone else decides their costs are illegal then I don't see how they can stop you claiming in the future.Anyway well done-I still can't really believe it works!!Friar

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