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    • Thanks for your reply, I have another 3 weeks before the notice ends. I'm also concerned because the property has detoriated since I've been here due to mould, damp and rusting (which I've never seen in a property before) rusty hinges and other damage to the front door caused by damp and mould, I'm concerned they could try and charge me for damages? There was no inventory when I moved in, I also didn't have to pay a deposit. I've also been told that if I leave before a possession order is given I would be deemed intentionally homeless, is this true? My daughter doesn't live with me, I'd likely have medical priority as I have health issues and I'm on pip etc.      
    • extension? you mean enforcement. after 6yrs its very rare for a judge to allow enforcement. it wont have been sold on, just passed around the various differing trading names the claimant uses.    
    • You believe you have cast iron evidence. However, all they’d have to do to oppose a request for summary judgment is to say “we will be putting forward our own evidence and the evidence from both parties needs to be heard and assessed by a judge” : the bar for summary judgment is set quite high! You believe they don't have evidence but that on its own doesn't mean they wouldn't try! so, its a high risk strategy that leaves you on the hook for their costs if it doesn't work. Let the usual process play out.
    • Ok, I don't necessarily want to re-open my old thread but I've seen a number of such threads with regards to CCJ's and want to ask a fairly general consensus on the subject. My original CCJ is 7 years old now and has had 2/3 owners for the debt over the years since with varying level of contact.  Up to last summer they had attempted a charging order on a shared mortgage I'm named on which I defended that action and tried to negotiate with them to the point they withdrew the charging order application pending negotiations which we never came to an agreement over.  However, after a number of communication I heard nothing back since last Autumn barring an annual generic statement early this year despite multiple messages to them since at the time.  at a loss as to why the sudden loss of response from them. Then something came through from this site at random yesterday whilst out that I can't find now with regards to CCJ's to read over again.  Now here is the thing, I get how CCJ's don't expire as such, but I've been reading through threads and Google since this morning and a little confused.  CCJ's don't expire but can be effectively statute barred after 6 years (when in my case was just before I last heard of the creditor) if they are neither enforced in that time or they apply to the court within the 6 years of issue to extend the CCJ and that after 6 years they can't really without great difficulty or explanation apply for a CCJ extension after of the original CCJ?.  Is this actually correct as I've read various sources on Google and threads that suggest there is something to this?.
    • whats the court claimform for? return of goods order? please complete this:  
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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.

      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.
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      This is good ethical practice.

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      OT APPROVED, 365MC637, FAROOQ, EVRi, 12.07.23 (BRENT) - J v4.pdf
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MKAndy Vs Citicards


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Just starting out today, just about to send out my SAR.

 

Originally i asked to remove a default notice they couldn't justify and got a snotty letter back pretty much telling me to bugger off. So now i'm going in for the whole hog.

 

Quick question, what two forms of ID are required along with the SAR, Copy of a driving license and a utlity bill?

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  • 2 weeks later...
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Got the reply back i was expecting today, wanting me to complete their own brand of SAR Form, any advice with this, looks quite long!

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  • 2 weeks later...

SAR form sent back as they requested, stated in my covering letter that the date of the SAR starts from when they first recieved my letter, not when they recieve their form, especially as i directly indicated what i wanted AND included all necessary ID!

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  • 4 weeks later...

The 40 days for the provision of SAR...is that business days or calendar days?

 

I sent my original request on 24/07/07, with necessary ID. They replied with the form, requesting ID again :rolleyes: . I sent this out on the 07/08/2007. I confirmed in my second letter that the date of the request starts from when the recieved my FIRST letter as it clearly stated what i wanted and had the required ID.

 

What should i do?

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I thought it was only relevant sending the LBA once i've calculated charges. At present, i havent the foggiest about the level of charges i've incurred

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No, send them the LBA for non-compliance with your SAR.

 

There is a template for it - if they don't comply, you can take them to court and as they ahven't complied within 40 days, you can also inform the information commissioners office.

All help is merely my opinion only - please seek legal advice if you need to as I am only qualified in SEN law.

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Speak of the devil...it turned up today!

 

The 'Manual Intervention' wasn't as conclusive as i had hoped, it's basically nothing.

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Request for Repayment sent today - I can't beleive how many charges i had, it makes for sickening reading...one month i had a £30 direct debit returned for the minimum payment, this resulted in £100's worth of charges!

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  • 3 weeks later...

The 14 days (actual) had passed so i decided to send the LBA today, signed for.

 

When i got in, i had a letter from Citi confirming they had recieved my complaint and will get back to me as soon as possible.

 

Just a point for clarification, when requesting an organisation to respond in a set timescale (i.e 14 days) is this actual days or business working days?

 

Thanks

 

Andy

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If you've written "14 days" in your letter, opposed to "14 working days", then it is the former.

All help is merely my opinion only - please seek legal advice if you need to as I am only qualified in SEN law.

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  • 2 weeks later...

Things seem to have gone quiet with the Citicards claims on here recently.

 

Are cases being stayed or are people just winning and not telling us all about it!

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So...nothing back from Citi in regards to my LBA. What a suprise!

 

I'm currently stalling at the minute, to learn the ropes more on what to do in Court, as i know the only way to get what i want, is to go.

 

I'm looking to have a default that they applied to my Credit file (without telling me) removed as well as having my charges reimbursed. I'm also claiming against Capital One at the minute, and found request for the CCA is a potentially good piece of leverage to use in my advantage for them to act more quickly (as they generally cant provide it).

 

Is this something i should try with Citicards? Have they been good(!) at providing CCA as requested within the legal time scales?

 

Andy

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Just realised something. I did actually apply for the CCA some time ago (before i started off asking for the charges back). Brian (the Citi Solicitor) informed me that the CCA didn't apply to them.

 

I guess this means they are already criminally in default...

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Had enough of sitting around waiting for Citi to reply now.

 

I'm going to file in court as soon as the funds allow, this is the biggest challenge i'm going to have, and truth be told, i'm cacking it!

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If i can take you all into the court room with me, i'd feel much better!

 

It's more the recent loss that i read about that's put a downer on the Citi front. As it's probably going to be added to their defence, even though i know they STILL cant justify their claims.

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Have you still not received your statements and CCA?????

 

--

Once you get to your claim:

 

Don't worry about the loss that other claimants have sufferred.

 

Small claims don't set case law, so any judge worth his salt will disregard any other case documentation that Citi come up with and judge a claim on it's individual merits.

 

Sure Citi have had victories, but at the same time we have had ours... though obviously the powers that be in Salfrod won't mention those.

 

The court may seem a daunting place, however your hearing will be heard in an office, the judge will most likely lead the conversation relating to the claim asking questions to either side. Once the ball gets rolling, any nerves you have will go.

 

The main thing is to prepare well, we know alot of Citi's weak points - and there are a fair few - and I have links for the majority of stuff to help compile your bundle along with instructions.

 

Most important thing, when you file your claim and receive the Allocation Questionnaire get in touch..... I have alot of stuff for you at this point.

Advice offered by ENRON is without prejudice and is for your judgement as to whether to take it. You should seek the assistance or hire of a solicitor or other paid professional if in doubt.

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Thanks Enron - much appreciated.

 

In summary, i asked for a copy of the CCA a while back now, and was reliably informed that they were not required to provide me with a 'copy of the executed agreement', the letter went on to say my account was charged off for £XXXX in 200X and that i'm aware of that fact, as i'm no longer a customer i'm entitled to nothing basically - kindly returning my postal order for £1.

 

After that point i joined this forum, and read up more on the situation, i have applied for SAR and recieved all of my statements, and have now built up a schedule of charges. I've send the prelimary and LBA letters now, receiving a reponse stating my complaint will be dealt with in 40 days. Stalling tactics no doubt, as i've heard nothing at all.

 

Working to my timescales it's not pretty much time for me to file, i suppose the fact that the account is closed and fully paid off doesn't really require me to go down the CCA route, as it's wasted time. The default amount is less than the charges, and way, way more than my credit limit, infact more than £1000...

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  • 2 months later...

I've left my Citi claim for a while, as i wanted to deal with Capital One first. Less stressful that way.

 

However, as i've just won against Cap One, it's time to file this in court.

 

Looking forward to it now ;)

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Capital One- WON! Settled out of Court £392 + Default Removal!

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When you get to the Allocation Questionnaire stage let me know as I have some stuff for you to submit at the same time.

Advice offered by ENRON is without prejudice and is for your judgement as to whether to take it. You should seek the assistance or hire of a solicitor or other paid professional if in doubt.

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Thanks Enron.

 

I have a bad feeling that my local court is going to stay the claim anyway, pending this test case, even though it's not linked. Saying that though, isn't the test case running shortly?

 

Either way, i'm getting a taste for blood now. I don't care who Citi stick in front of me, i'm not stopping until i get what i want. :smile:

NatWest - WON! £3350 Paid back

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Citicards - Judgement awarded for £1898, default remains though...for now....

Capital One- WON! Settled out of Court £392 + Default Removal!

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subbing, have just read through your cap1 thread as I have started a claim against them as well.

Congratulations:D, good to see that perseverance pays off

LTSB court date 25/7/07

17/7/07 I WON I WON I WON!!!!:p :grin:

HSBC court date 11/9/07 (stayed)

CapOne lba 7/1/08-15/3/08 WON.

Citicards lba 14/1/08

 

Read Read and Read Some:razz: More

 

If I've been helpful in anyway please tip my scales:rolleyes:

 

Please note that this advice is given informally, without liability and without prejudice. Seek the advice of an insured qualified professional if you have any doubts.

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Capital one is relatively easy compared to Citicards, but do go for it!

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Citicards - Judgement awarded for £1898, default remains though...for now....

Capital One- WON! Settled out of Court £392 + Default Removal!

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  • 1 month later...

Totally out of the blue as i haven't as of yet filed an N1 against Citicards.

 

They've sent me a settlement offer, of the difference between my full sum of charges and the OFT 'guideline' of £12, with the wording 'accordingly an ex gratia cheque for that amount has been enclosed with this letter in full and final settlement'

 

They have gone on to say that they will move to have any claims against them to their local court because they are a defendant and innocent until proven guilty. Therefore, should not be disadvantaged in defending itsself.

 

Needless to say, i'm not accepting the offer, come the end of the month i'm filing in court. Is there an templated letter for rejection of Citicards offers?

 

Thanks

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Citicards - Judgement awarded for £1898, default remains though...for now....

Capital One- WON! Settled out of Court £392 + Default Removal!

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