Jump to content


  • Tweets

  • Posts

    • Unsettling the applecart?,  I'm going to be direct here, I know how this works , I've been in far worse situation than your relative, and I can assure you , now that there i likely a default in her name, it makes absolutely ZERO difference if she pays or not. Denzel Washington in the Equalizer , 'My only regret is that I can't kill you twice'... It's the same with a default, they can only do it once and it stays on your credit file for 6 years if she pays or not, and as it stands right now she's flushing £180 of her hard earned money down the toilet  so that the chaps at Lowell can afford a Christmas party. As for the SAR this is everybody's legal right, originally under the Data Protection act 1998 and now under GDPR, it's her right to find out everything that the original Creditor has on her file, and by not doing it the only person she is doing a massive disservice to is her self. As the father of 2 young adults myself, they need to learn at some point.. right?
    • Thank you for your pointers - much appreciated. dx100uk - Apologies, my request wasn't for super urgent advice and I have limited online access due to my long working hours and caring obligations - the delay in my response doesn't arise in any way from disrespect or ingratitude. I will speak to her at the weekend and see if she will open up a bit more about this, and allow me to submit the subject access request you advise - the original creditor is 118 118 loans and from the letter I saw (which prompted the conversation and the information) the debt collection agency had bought the debt from 118 and were threatening enforcement which is when she has made a payment arrangement with them for an amount of £180 per month. It looks as if she queried matters at the time (so I wonder if I might with the FIO request get access to their investigation file?) - the letter they wrote said "The information that you provided has been carefully considered and reviewed. After all relevant enquiries were made it has been confirmed that there is not enough evidence present to conclusively prove that this application was fraudulent.  However, we have removed the interest as a gesture of goodwill. As a result of the findings, you will be held liable for the capital amount on the loan on the basis of the information found during the investigation and you will be pursued for repayment of the loan agreement executed on 2.11.2022 in accordance with Consumer Credit Act 1974"  The amount at that time was over £3600 in arrears, as no payments had been made on it since inception and I think she only found out about it when a default notice came in paper form. I'm a little reluctant to advise her to just stop paying, and would like to be able to form a view in relation to her position and options before unsetting the applecart - do you think this is reasonable? She is young and inexperienced with these things and getting into this situation has brought about a lot of shame regarding inability to sort things out/stand up for herself, which is one of the reasons I have only found out about this considerably later Thank you once again for your advice - it is very much appreciated.    
    • That's fine - I'm quite happy to attend court if necessary. The question was phrased in such a way that had I declined the 'consideration on the papers' option, I would have had to explain why I didn't think such consideration was appropriate, and since P2G appear to be relying on a single (arguably flawed) issue, I thought it might result in a speedier determination.
    • it was ordered in the retailers store  but your theory isnt relevant anyway, even if it fitted the case... the furniture is unfit for purpose within 30 days so consumer rights act overwrites any need to use 14 days contract law you refer too. dx  
    • Summary of the day from the Times. I wasn't watching for a couple of interesting bits like catching herself out with her own email. Post Office inquiry: Paula Vennells caught out by her own email — watch live ARCHIVE.PH archived 23 May 2024 11:57:02 UTC  
  • Recommended Topics

  • Our picks

    • If you are buying a used car – you need to read this survival guide.
      • 1 reply
    • 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
        • Like
  • Recommended Topics

Find out here if your local court is staying claims


ICY
style="text-align: center;">  

Thread Locked

because no one has posted on it for the last 5396 days.

If you need to add something to this thread then

 

Please click the "Report " link

 

at the bottom of one of the posts.

 

If you want to post a new story then

Please

Start your own new thread

That way you will attract more attention to your story and get more visitors and more help 

 

Thanks

Recommended Posts

  • Replies 752
  • Created
  • Last Reply

Top Posters In This Topic

Top Posters In This Topic

I called Medway CC yesterday about my application to have the defence thrown out, got the usual story about backlogs, but was also told that although it is being done on a case by case basis, most claims are being stayed.

Link to post
Share on other sites

Oh Jesus Christ!,

 

Have you seen the new fee structure for small claims/fast track, on first sight it looks as though the fees have been reduced but then comes the new............'Hearing Fee'. That's right you now two fees even before you get to the allocation questionnaire stage, that's if you have to pay AQ fee. How do I start a new thread on this? This is just unbelievable. See below.

 

Old system:

 

Claim value £300 or under = court fee - £30

Claim value £301 - £500 = court fee - £50

Claim value £501 - £1000 = court fee - £80

etc, etc

 

New system:

 

Claim value £300 or under = issue fee - £30, hearing fee - £25

Claim value £301 - £500 = issue fee - £45, hearing fee - £50

Claim value £501 - £1000 = issue fee - £65, hearing fee - £75

It gets worse obviously the more you claim, this is

D IS G U S T I N G!

Link to post
Share on other sites

These are "trial" fees, which are charged when a date for hearing is given which is AFTER the AQ is filed.

They are refunded or partially refunded if the claim is settled, depending on when it is settled and when the Court is notified. The reason is because of many parties settling 5 minutes before the hearing which is a clear abuse of Court time.

Obviously the more your claim the more you have to spend, it's always been the same. For people who get settlements just after the AQ stage, it is a clear reduction in cost. I don't consider it "DISGUSTING", I consider it very reasonable. HMCS released a consultation about it, if "BankLover_not" thinks it was disgusting then this is sure one case where you should have remarked about it. It was made public enough!!!

-------------------------------------------------------------------------------------

:!: All the information I impart is my advice based on my experience. It does not constitute professional advice. If in doubt, always consult with a professional. :!:

 

:-) If you feel my post has been helpful, please click my scales. :-)

Link to post
Share on other sites

Hi Legalpickle,

 

Before i continue airing my grievance at the new fee system, maybe i have got something wrong which perhaps you can clear up for me. Before the 1st October 2007 was there a 'hearing fee' for claims under £5000? Because i'm pretty sure there wasnt, but i could be wrong. I am fully aware of the Allocation Questionnaire Fee and pre-trial checklist fee for higher claims.

 

BankLover_not

Link to post
Share on other sites

"BankLover_not",

1. The AQ fee started and still does start from above £1,500. This fee has gone down to £35 for Small Claims.

======================================================

2.1 On the claimant filing an allocation questionnaire; or —where the court dispenses with the need for an allocation questionnaire, within 14 days of the date of despatch of the notice of allocation to track; or—where the CPR or a Practice Direction provide for automatic allocation or provide that the rules on allocation shall not apply, within 28 days of the filing of the defence (or the filing of the last defence if there is more than one defendant), or within 28 days of the expiry of the time permitted for filing all defences if sooner: (a) if the case is on the small claims track and the claim exceeds £1,500£35

======================================================

2. So overall - IF the case proceeds to trial, BUT IF it doesn't then there is a reduction in fees.

 

I don't think this can be classed as disgusting. HMCS ran a full consultation on this. The aim is to try and get rid of the stupid ones who settle a few minutes or a couple of days before the hearing when realistically they could settle a month or two before the hearing, that way the hearing date is available for other cases. The aim is to get rid of the cases that are anyway going to be settled before a hearing and thus don't warrant a hearing.

 

legalpickle

-------------------------------------------------------------------------------------

:!: All the information I impart is my advice based on my experience. It does not constitute professional advice. If in doubt, always consult with a professional. :!:

 

:-) If you feel my post has been helpful, please click my scales. :-)

Link to post
Share on other sites

Legalpickle,

 

Firstly let me explain that what I am trying to say is that you will need to consider, way before the Allocation Questionnaire stage, whether or not you can now embark on litigation, which if it concludes with a hearing as many do, whether you can afford to pay the newly revised court fees. Surely you are aware of how many cases the banks have pushed for a full court hearing and you know that claimants (and claimants who may still have to pay more court fees once the test case is resolved) will now have to pay the new 'hearing fee' as well. I have done the maths on this and unless I am missing something the court fees have increased substantially whilst acknowledging there has been a minor reduction in the issue fee and AQ fee for small claims.

 

Old System:

 

Claim value £3001 - £5000 = Issue fee - £108, AQ fee - £35.00, hearing fee - £300, therefore grand total is now £443

 

Old System:

 

Claim value £3001 - £5000 = Issue fee - £120, AQ fee - £100, therefore grand total was £220

 

You reckon this is fair do you legalpickle? Unless you believe this will put banks off pushing for a full hearing then i'm afraid more claimants will now be put off claiming altogether because they can't afford these new fees. Regarding the consultation period as usual I found out about this after the event as with most of these so called 'consultation periods'. I don't know of one person who even knew of a consultation period for county court fees.

 

If we move on to the revised fees for the fast track division of the County Court system then it gets much worse for the claimant who doesn't have the odd £1025 lying around. I will discuss this in my next post but let you reply to this one before I do.

 

BankLover_not

Link to post
Share on other sites

I've not looked into this myself, so not aware of what the situation is.

 

However, if there has indeed been a change, then it is something that needs looking into and be discussed.

 

Banklover, perhaps you would like to start a new thread on the subject, and once you have done so, post a link to it on this thread, so it can be discussed properly?

 

PM

All opinions and advice I offer are purely my own, and are offered without any liability. If unsure seek the help of a licensed professional

...just because something's in print doesn't mean its true.... just look at you Banks T&C's for example !

Link to post
Share on other sites

Hello Photoman,

 

I did actually ask how to do this on my first posting about this issue but I didn't get a reply. I will gladly start a new thread on this topic as I think it needs examining and more contribution by other memebers on what their thoughts are about the new County Court fee structure. Sorry to sound dumb but can I ask you how do I start a new thread please?

 

Thanks.

 

BankLover_not

Link to post
Share on other sites

Banklover,

Looks like Michael Browne has already started a thread on the same topic, and it's already been made into a sticky. Perhaps you (and anyone else interested in the subject), would like to take a look and make any comments ?

 

http://www.consumeractiongroup.co.uk/forum/general/112076-new-county-court-fees.html

 

PM

All opinions and advice I offer are purely my own, and are offered without any liability. If unsure seek the help of a licensed professional

...just because something's in print doesn't mean its true.... just look at you Banks T&C's for example !

Link to post
Share on other sites

Thanks Photoman that is an excellent link where I can pick up this argument there.

 

I still haven't had a response from you yet Legalpickles but do not respond here go to the link that Photoman has just posted above and we'll continue there.

 

Thanks again Photoman.

 

BankLover_not

Link to post
Share on other sites

i was in weston super mare court yesterday and was told by the judge that a high court judge ruled all cases are to remain stayed until outcome of the test case.she was very friendly and said her hands were tied as it was a judge higher up than her that had made the ruling,apparently it is to have parity between all courts.

Link to post
Share on other sites

"BankLover_not": Sorry for the delay in responding, I was away from my computer for a few days.

1. I know a lot of people who were aware of the consultation. If you don't look you will never find.

2. If you really cannot afford the court fees then you should be able to get a remission or exemption.

3. You should ALWAYS consider the action you are taking before taking it.

4. The banks don't push for a full hearing, they drop out at the last minute, and then reimburse the court fees - if it gets to that stage.

5. It is only more expensive if it goes to hearing - fair's fair. For example; if I take a company to Court and they settle immediately, why should I have to lay out the same as somebody who takes 6 months through the court system and ends up in a hearing???

 

Under the new system if it is settled more than 28 days before the hearing, you end up spending £143 which is £77 cheaper than the old system.

 

I think it's entirely fair. If you want to turn it political, then let's look at it this way. Some courts have been losing money because many people have hearings booked which are cancelled at the last minute and thus they have wasted a booked slot. They still have to pay the Judge's wages and the other cases get delayed. Now they will get paid by hearing as well, but they have lowered the fees for the jobs that are easier. The result will be more independent courts, less money invested into Civil cases by the Government, and more money for the NHS and good causes.

 

Those people who honestly cannot afford the fees will end up getting fee remissions or taking loans for a few months from a friend.

 

I think it's very fair and very logical.

 

legalpickle.

-------------------------------------------------------------------------------------

:!: All the information I impart is my advice based on my experience. It does not constitute professional advice. If in doubt, always consult with a professional. :!:

 

:-) If you feel my post has been helpful, please click my scales. :-)

Link to post
Share on other sites

I went to Walsall County Court on the 28th September and my case was stayed.

I believe the judge had already decided to award a sty before I even went in but he said if he heard the case and I won Barclays would appeal and it was highly likely that I would have to pay their legal fees if/when I lost. He said it would cost me more than i am claiming and i should get proper legal advice before i considered appealing against the stay.

Link to post
Share on other sites

i was due to 'win' my case v natwest at wigan county court as they did not respond before the deadline set by the judge, then i received a letter from nat west saying they were staying until the outcome of the OFT, which was confirmed by the judge!! how can they state that if a bank does not respond before the deadline the claimant will win, then go back on this?

Link to post
Share on other sites

  • Recently Browsing   0 Caggers

    • No registered users viewing this page.

  • Have we helped you ...?


×
×
  • Create New...