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    • Driver entered car park run by CEL Ltd .Tried to purchase lozenges  at Pharmacy , saw it was busy so left . Time there approximately 5 minutes . Left to go to pick up some goods  a couple of miles away . I have a copy of a collection of goods note with an approximate time on it  Stayed a while to chat with client On return journey stopped  to try again . Bought lozenges and left . There were no restrictions on returning  ANPR cameras registered first entry and last exit  Was sent photos showing vehicle with 2 blown up with the times on them   Company refuses to divulge landlord or show contract ....said it was data protection ! Photo of a sign blown up .....could be anywhere ! Been to site itself . No signs at entrance . When entering from main road nothing ! Where there is parking a few signs visible depending on parking space . Large sign on an external wall which can only be seen when walking out or entering from side road on the left . After a number of letters  I received demands from ZZPS ....a “debt collector “. They gave up on that ! This incident took pace in February . Now a Letter Before Court requesting details of my salary and how I intend to pay the debt  The length of stay is 40 minutes . Tiny car park !   Do know why there are even limits . Length of stay maybe 15 minutes in total . It is madness The pack of lozenges cost £185 ! Am 72 years old with multiple health problems ! Cannot let these cowboys win . Feel as though I am being intimidated . Very stressful ! Any  advice please ?I have drafted  together bits from all over the place ! Need it to stop ASAP !
    • Hi    This is my draft WS, please do let me know of nay changes or additions required, thanks.    IN THE County Court AT                                                                              CLAIM NO:      BETWEEN: CABOT FINANCIAL (UK) LIMITED   -and- (DEFENDANT)     ___________________________________________ WITNESS STATEMENT OF        INTRODUCTION    1. I, XXXX, the Defendant in this case, make this statement in support of my defence against the Claimant, Cabot Financial (UK) Limited.  The matters set out below are within my own knowledge, except where I indicate to the contrary.    THE DEFENDANT’S RESPONSE TO THE CLAIMANT’S WITNESS STATEMENT    2. The Claimant states in Paragraph 3, ‘….refer to various documents, true copiesof which are contained in the paginated bundle to this statement marked “JK”1’, but then states in para 4, ‘Acopy of the reconstituted agreementwith associated terms and conditions….pages 1-10’. There are 3 versions attached of the alleged Agreement and Terms & Conditions and according to para 4 they are not the original but ‘a reconstitutedversion’. They have attached 3 Agreements namely, ‘Original Agreement’, ‘Default Agreement’ and ‘Terms of your Capital One Credit Card Agreement’.  The Claimant has provided 3 sets of generic/reconstituted Agreement and Terms & conditions.     3. The Claimant in Para 4 also states ‘On or around 5thNovember 2012 the Defendant entered into a Credit Card Agreement,’ but Page 2 of JK1 has a date inserted 2/11/2012.  It has my name, address and a date inserted in the form but no mention of how the agreement was made, online, post or telephone, and furthermore not mentioned in the Claimant’s Witness Statement.     4. As a rule of thumb I always ensure that no 3rdparty is to contact me or to send me marketing information via telephone, post or electronically’, but Page 2 of JK1 has an unticked box, another indication that this is not an original agreement.    5. Page 5 of JK1 has too many typo mistakes in the heading as follows: TERMSOF YOUR CAPITALONE CREDITCARD AGREEMENT, furthermore there are no ‘full stop’ punctuations at the end of each sentence, this surely cannot be a document sent out by Capital One.     6. The Claimant states in Para 9 that my defence is a ‘templated defence’, requesting documents pursuant of CPR 31.14 and Section 78 of the Credit Card Act 1974, this is a defendant’s right for request of information but the Claimant has failed to provide the true original Credit Card Agreement and Terms & Conditions.   7. The Claimant states in Para 25 that, ‘the Claimant allowed the proceedings to be stayed in order to allow the parties to attempt settlement negotiations…..’ this is not correct as the Claim was stayed due to the Claimant not being able to provide the requested documents pursuant of my CPR 31.14 and Section 78 of the Credit Card Act 1974.   8. Para 30 and 31of the Witness Statement requests to restore the proceedings, to strike out the Defence, has requested for a Summary Judgement, together with costs to be assessed summarily by the court. I, the Defendant, strongly object to the Claimant’s Witness Statement requesting to lift the stay and enter Judgement. I believe therefore, that this should be denied and I respectfully ask for you to strike out the claim. My reasons for this have been outlined in points 1 to 7.    9. By the reason of the facts and matters set out above, it is denied that the Claimant is entitled to the relief claimed or any relief and invite the Court to strike out the claim.   I believe that the facts stated in this Witness Statement are true.    Signed:  Dated:
    • District Judge has considered the statements of case and directions questionnaire filed and allocated the claim to the small claims track on 13th January 2020 for 1 hour.    Claimant has by 16th December 2019 pay the court trial fee or file a properly completed application, otherwise the claim will be struck out with effect from 16th December.    I have a few questions if possible to get an answer from anyone please.    The following directions apply to this claim: 1. It says that each party must deliver to the other party and to the court office copies of all documents on which that party intends to rely at the hearing no later than fourteen days before the hearing.  My understanding this will my witness statement, images of the parking area, out of time sent NTK documents. Is this correct? What else am I not thinking about?    2. I have to leave country for important work trip from 10th to 19th of January 2020. Is there anything I can do to postpone this case since its booked for 13th January?  Thanks!      
    • However having had a quick look at the consumer rights act, I see that it doesn't seem to apply if you have bought second-hand goods sold at a public auction and you had the opportunity of attending the same person – section 2 (5) Unless someone has some better ideas, I'm not sure what you can do.
    • I'm trying to understand your story because is not completely clear. You bought the car auction and you were aware at the time of the purchaser there was an ABS fault. Subsequently an ABS fault developed both this was a different fault and not of the type that have been flagged up at the auction. Is this correct? If you bought the car knowing that there was a particular ABS fault then I don't think you have any comeback. However if the fort which subsequently occurred is not the one which was flagged up at auction then you may be in a better position
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Find out here if your local court is staying claims

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My case against National Westminster Bank was stayed earlier this week in the Altrincham County Court.

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Just phoned Luton court, and they said that they are staying all cases on their own initiative without any application from the bank, apparently I will be getting a letter to confirm this.



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It would be very useful if you could post what your local court has told you regarding stay on claims due to the OFT report. We dont need to know what the banks said, we all know they will just tell us that they have a stay and that is that.

I am Hoping that this list will help in our argument to have stays set aside, by demonstrating to judges that (at the moment) the majority of courts are continuing with claims on a case by case basis, which is a fair and just way to continue.

I also hope to raise the awareness a bit, it may give us all a bit of hope if anyone was fearing the banks letters were right saying all cases were stayed when in fact they werent.


All the below seem to be playing by a case by case basis and appear to be all proceeding as normal:


Aldershot & Farnham County Court,

Blackpool County Court,

Bow County Court,

Bristol County Court,

Caernarfon County Court,

Chester County Court,

Chichester County Court,

Gateshead County Court,

Guildford County Court,

Hitchin County Court,

Hull County Court,

Kettering County Court,

Lancaster County Court,

Medway County Court,

Newcastle County Court,

Northampton County Court,

North Shields County Court,

Norwich County Court,

Nottingham County Court,

Oldham County Court,

Peterborough Combined Court Centre,

Rotherham County Court,

Salford County Court,

Scarborough County Court,

Scun.thorpe County Court,

Slough County Court,

St.Helens County Court Merseyside

Sunderland County Court,

Thanet County Court,

Watford County Court,

Wellingborough County Court,

Winchester Combined Court,

Woolwich County Court,

Worcester County Court,

Wrexham Count Court,

Croydon County Court,


All the below courts have said SOME cases will be stayed whilst the outcome of the test case is decided:


Altrincham County Court,

Sheffield Laws Courts,



All the below courts have said ALL cases will be stayed whilst the outcome of the test case is decided:


Bradford County Court,

Halifax County Court,

Luton County Court,

Southend County Court,


The situation at the below is still unclear:


Aberdare County Court,

Aberysthwyth County Court,

Accrington County Court,

Ashford County Court,

Aylesbury County Court,

Banbury County Court,

Barnet Civil and Family Courts Centre,

Barnsley County Court,

Barnstaple County Court,

Barrow-in-Furness County Court,

Basildon Combined Court,

Basingstoke County Court,

Bath County Court,

Bedford County Court,

Birkenhead County Court,

Birmingham Civil Justice Centre,

Bishop Auckland County Court,

Blackburn County Court,

Blackwood County Court,

Bodmin County Court,

Bolton Combined Court Centre,

Boston County Court,

Bournemouth County Court,

Brecon Law Courts,

Brentford County Court,

Bridgend Law Courts,

Brighton County Court,

Bromley County Court,

Burnley Combined Court Centre,

Burton-upon-tweed County Court,

Bury County Court,

Bury St Edmonds County Court,

Buxton County Court,

Cambridge County Court,

Canterbury Combined Court Centre,

Cardiff Civil Justice Centre,

Carlisle Combined Court Centre,

Carmarthen County Court,

Central London County Court,

Chelmsford County Court,

Cheltenham County Court,

Chesterfield County Court,

Chorley County Court,

Clerkenwell and Shoreditch County Court,

Colchester County Court,

Consett County Court,

Conwy and Colwyn County Court,

Coventry Combined Court Centre,

Crewe County Court,

Croyden County Court,

Darlington County Court,

Dartford County Court,

Derby Combined Court Centre,

Dewsbury County Court,

Doncaster County Court,

Dudley County Court,

Durham County Court,

Eastbourne County Court,

Edmonton County Court,

Epsom County Court,

Evesham County Court,

Exeter Combined County Centre,

Gloucestershire Family and Civil Courts,

Grantham County Court,

Gravesend County Court,

Great Grimsby Combined Court Centre,

Harlow County Court,

Harrogate County Court,

Hartlepool County Court,

Hastings County Court,

Haverfordwest County Court,

Haywards Heath County Court,

Hereford County Court,

High Wycombe County Court,

Horsham County Court,

Huddersfield County Court,

Huntingdon County Court,

Ilford County Court,

Ipswich County Court,

Keighley County Court,

Kendall County Court,

Kidderminster County Court,

Kings Lynne County Court,

Kingston-upon-Thames County Court,

Lambeth County Court,

Leeds Combined Court Centre,

Leicester County Court,

Leigh County Court,

Lewes Combined Court Centre,

Lincoln County Court,

Liverpool Civil and Family Court,

Llanelli County Court,

Llangefni County Court,

Lowestoft County Court,

Ludlow County Court,


Macclesfield County Court,

Maidstone Combined Court Centre,

Manchester County Court (Crown Square)

Manchester County Court (Deansgate)

Mansfield County Court,

Melton Moybray County Court,

Merthyr Tydfil Combined Court Centre,

Middlesbrough County Court,

Milton Keynes County Court,

Mold County Court,

Morpeth and Berwick County Court,

Neath and Port Talbot County Court,

Nelson County Court,

Newark County Court,

Newbury County Court,

Newport (Gwent) County Court,

Newport (Isle of Wight) County Court,

Northwich Magistrates and County Court,

Nuneaton County Court,

Oswestry County Court,

Oxford Combined Court Centre,

Penrith County Court,

Penzance County Court,

Plymouth Combined Court,

Pontefract County Court,

Pontypool County Court,

Pontypridd County Court,

Poole County Court,

Portsmouth Combined Court Centre,

Preston Combined Court Centre,

Rawenstall County Court,

Reading County Court,

Redditch County Court,

Reigate County Court,

Rhyl County Court,

Romford County Court,

Rugby County Court,

Salisbury Crown and County Court,

Shrewsbury County Court,

Skegness County Court,

Skipton County Court,

South Sheilds County Court,

Southampton Combined Court Centre,

Southend County Court,

Southport County Court,

Southwark County Court,

St Albans County Court,

Stafford Combined Court Centre,

Staines County Court,

Stockport County Court,

Stoke-on-Trent Combined Court,

Stourbridge County Court,

Stratford-upon-Avon County Court,

Swansea Civil Justice Centre,

Swindon Combined Court,

Tameside County Court,

Tamworth County Court,

Taunton County Court,

Teesside Combined Court Centre,

Telford County Court,

Torquay and Newton Abbot County Court,

Trowbridge County Court,

Truro County Court,

Tunbridge Wells County Court,

Uxbridge County Court,

Wakefield County Court,

Walsall Hearing Centre - County Court,

Wandsworth County Court,

Warrington and Runcorn County Courts,

Warwick Combined Court Centre,

Welshpool and Newton County Court,

West London County Court,

Weston-Super-Mare County Court,

Weymouth and Dorchester Combined Court Centre,

Whitehaven County Court,

Wigan County Court,

Willesden County Court,

Wolverhampton Combined Court Centre,

Workshop County Court,

Worthing County Court,

Yeovil County Court,

York County Court




Blackpool county court are staying claims automatically and NOT carrying on as normal

TOTALLY debt free as of 2007, Fantastic,

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case stayed



Please note I am not an expert - I am not offering opinions or legal help - Please use all the information provided on the site in FAQ- step by step instructions and library- thanks Jansus:)


offer from A&L 24/8/07 - after case stayed


"What makes the desert beautiful is that somewhere it hides a well." - Antione de Saint Exupery




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Blackburn are carrying on as normal.

Please note that I am not a legal expert and all advice given is without prejudice and is purely my opinion only.


** Nationwide - £1821.15-PAID IN FULL - Aug 06 **

** Halifax Mortgage -£390 - PAID IN FULL - Nov 06 **

Lloyds TSB - MCOL issued 09/03/07 - £2953 + costs - ON HOLD....




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List updated next page


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Excellent idea for a thread ICY don't envy you having to manage it though - good luck

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Hartlepool stayed my credit card claim with citicards on wednesday

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Hi there - Oxford County Court are saying business as usual and they have had no instructions to treat claims for Bank charges any differently from before the OFT announcement.


Luckily for me as I won yesterday - Post OFT and the Judge refused Natwest a stay! Good luck to all as I know it is a bit of a lottery at the moment.

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List updated



Hartlepool stayed my credit card claim with citicards on wednesday

For what reason, was it to allow settlement or due to the OFT announcement, if it is the latter then you need to apply to have it set aside as the OFT case is not about credit card claims


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For what reason, was it to allow settlement or due to the OFT announcement, if it is the latter then you need to apply to have it set aside as the OFT case is not about credit card claims


Hi yes the DJ stayed my claim while awaiting the OFTs announcement, I told him that the OFT were ruling on bank accounts and not credit card claims but he was having none of it, citi had failed to comply for full disclosure so their defence should have been struck out, ive poosted the details on my thread groovycaz v citicards..Gc

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Lady at Ashford County Court told me she thought their DJ was going to stay all claims. I haven't had definite confirmation yet though - I'm waiting to hear something on two claims.

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Case stayed by Plymouth Courts, it appears that they are staying all cases until outcome of of OFT case



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List updated


Theres a trend appearing here which doesnt look good


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To any MODS, this thread must be important enough to warrant becoming a sticky.

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I agree - this ought to be a Sticky now.


Also, could Baconbuttyman's post (#4 above) now be edited so it doesn't show the original list? When scrolling quickly through the thread to look for the list it's easy to confuse that list with ICY's updated one.

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Poppynurse :)


If my comments have been helpful please click my scales!!!!

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Have spoken to IPSWICH County Court this morning regarding this claim -




They have informed me that they have NO directions, from their Circuit Judge or higher, to stay bank charge claims so ALL claims and hearings are proceeding, as previously, and they are NOT automatically staying claims.


They have, however, recieved many requests from banks to stay claims (though NOT yet in my case!) and are dealing with these on an individual basis, again as previously.


Basically then, business as normal at Ipswich County Court.


Many thanks for this thread, ICY, and hope this info helps - Adam

I do my best to be helpful, but at the end of the day I'm not a professional - please seek further advice if you're not sure. On the other hand, if I have helped, please click my scales - thanks ;)


Current Claims (all for friends!) -


Abbey - over £4k - Court claim issued & AQ filed ('Tish vs Abbey'). Alloc'n Hearing 21 Sept - Claim stayed 29/8/07.

Cap One - just under £2k - WON (just over 2k!)('Tish vs Cap One')

Cap One - just under £1000 - WON (just over £1k) Nov 07 (JimmyBoy vs Cap One)

Lloyds TSB - £3.5k - Court claim issued, defence rec'd and AQ filed; Alloc'n hearing 7th Sept Claim stayed 29/8/07! (JimmyBoy vs Lloyds')

MBNA - over £1k for mis-sold PPI - WON - approx £1500(IpswichWitch vs MBNA . . .)

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Bad news for me, Oldham are staying all


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List updated below

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