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    • Thank-you dx, What you have written is certainly helpful to my understanding. The only thing I would say, what I found to be most worrying and led me to start this discussion is, I believe the judge did not merely admonish the defendant in the case in question, but used that point to dismiss the case in the claimants favour. To me, and I don't have your experience or knowledge, that is somewhat troubling. Again, the caveat being that we don't know exactly what went on but I think we can infer the reason for the judgement. Thank-you for your feedback. EDIT: I guess that the case I refer to is only one case and it may never happen again and the strategy not to appeal is still the best strategy even in this event, but I really did find the outcome of that case, not only extremely annoying but also worrying. Let's hope other judges are not quite so narrow minded and don't get fixated on one particular issue as FTMDave alluded to.
    • Indians, traditionally known as avid savers, are now stashing away less money and borrowing more.View the full article
    • the claimant in their WS can refer to whatever previous CC judgements they like, as we do in our WS's, but CC judgements do not set a legal precedence. however, they do often refer to judgements like Bevis, those cases do created a precedence as they were court of appeal rulings. as for if the defendant, prior to the raising of a claim, dobbed themselves in as the driver in writing during any appeal to the PPC, i don't think we've seen one case whereby the claimant referred to such in their WS.. ?? but they certainly typically include said appeal letters in their exhibits. i certainly dont think it's a good idea to 'remind' them of such at the defence stage, even if the defendant did admit such in a written appeal. i would further go as far to say, that could be even more damaging to the whole case than a judge admonishing a defendant for not appealing to the PPC in the 1st place. it sort of blows the defendant out the water before the judge reads anything else. dx  
    • Hi LFI, Your knowledge in this area is greater than I could possibly hope to have and as such I appreciate your feedback. I'm not sure that I agree the reason why a barrister would say that, only to get new customers, I'm sure he must have had professional experience in this area that qualifies him to make that point. 🙂 In your point 1 you mention: 1] there is a real danger that some part of the appeal will point out that the person appealing [the keeper ] is also the driver. I understand the point you are making but I was referring to when the keeper is also the driver and admits it later and only in this circumstance, but I understand what you are saying. I take on board the issues you raise in point 2. Is it possible that a PPC (claimant) could refer back to the case above as proof that the motorist should have appealed, like they refer back to other cases? Thanks once again for the feedback.
    • Well barristers would say that in the hope that motorists would go to them for advice -obviously paid advice.  The problem with appealing is at least twofold. 1] there is a real danger that some part of the appeal will point out that the person appealing [the keeper ] is also the driver.  And in a lot of cases the last thing the keeper wants when they are also the driver is that the parking company knows that. It makes it so much easier for them as the majority  of Judges do not accept that the keeper and the driver are the same person for obvious reasons. Often they are not the same person especially when it is a family car where the husband, wife and children are all insured to drive the same car. On top of that  just about every person who has a valid insurance policy is able to drive another person's vehicle. So there are many possibilities and it should be up to the parking company to prove it to some extent.  Most parking company's do not accept appeals under virtually any circumstances. But insist that you carry on and appeal to their so called impartial jury who are often anything but impartial. By turning down that second appeal, many motorists pay up because they don't know enough about PoFA to argue with those decisions which brings us to the second problem. 2] the major parking companies are mostly unscrupulous, lying cheating scrotes. So when you appeal and your reasons look as if they would have merit in Court, they then go about  concocting a Witness Statement to debunk that challenge. We feel that by leaving what we think are the strongest arguments to our Member's Witness Statements, it leaves insufficient time to be thwarted with their lies etc. And when the motorists defence is good enough to win, it should win regardless of when it is first produced.   
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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.  

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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.
      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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Court date 19/09/07 - Compling with the Order??***WON IN COURT***


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I received an order from the court yesterday which is attached.

 

I have to get the documents required down to the court tomorrow, but I don't have a clue what I'll have to take. This is following on from my other thread about Next here. Also, I don't know what Im going to have to actually do on the day of court.

 

If anyone can help it would be most appreciated as i'm running out of time.

 

[/url]

th_CourtOrder1.jpg

 

th_CourtOrder2.jpg

Abbey - *SETTLED IN FULL!* ;)

-£445 refunded after one phonecall

HERE

 

Lloyds - Reclaiming Charges ***WON!***

-09/05/07 - Prelim delivered

-22/05/07 - LBA sent - no response

-11/07/07 - Filed at court

- 26/07/07 - Full settlement offer!!!! Donation made ;)

HERE

 

Next - Trying to Sue us with no agreement! :lol:

-29/06/07 - Defence filed

-16/08/07 - AQ filed

-19/09/07 - Claim struck out!! :p

HERE and continued HERE

 

PLEASE CLICK MY SCALES IF I'VE HELPED!

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Hi 42man, I hope you're right because this needs to be done tomorrow!

 

I have posted it on the Next thread but I typed it up instead of scanning it in. No answers yet as to what exactly I need to do.

Abbey - *SETTLED IN FULL!* ;)

-£445 refunded after one phonecall

HERE

 

Lloyds - Reclaiming Charges ***WON!***

-09/05/07 - Prelim delivered

-22/05/07 - LBA sent - no response

-11/07/07 - Filed at court

- 26/07/07 - Full settlement offer!!!! Donation made ;)

HERE

 

Next - Trying to Sue us with no agreement! :lol:

-29/06/07 - Defence filed

-16/08/07 - AQ filed

-19/09/07 - Claim struck out!! :p

HERE and continued HERE

 

PLEASE CLICK MY SCALES IF I'VE HELPED!

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Well Laiste is helping and even wrote the defence for me. She sent me a PM this morning but I got nothing back when I replied and she hasnt been back online yet. Since then I've PM'd Tomterm8 but he's not online yet. I don't really want to go pestering everyone all over the site even though it is urgent.

Abbey - *SETTLED IN FULL!* ;)

-£445 refunded after one phonecall

HERE

 

Lloyds - Reclaiming Charges ***WON!***

-09/05/07 - Prelim delivered

-22/05/07 - LBA sent - no response

-11/07/07 - Filed at court

- 26/07/07 - Full settlement offer!!!! Donation made ;)

HERE

 

Next - Trying to Sue us with no agreement! :lol:

-29/06/07 - Defence filed

-16/08/07 - AQ filed

-19/09/07 - Claim struck out!! :p

HERE and continued HERE

 

PLEASE CLICK MY SCALES IF I'VE HELPED!

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I've just had a good long read of your thread, and Rory as well as others are giving you a cracking defence.

http://www.consumeractiongroup.co.uk/forum/general-debt/96228-urgent-please-help.html#post890299

I can't really see this case being loseable unless you don't turn up.

 

All I could possibly add to what's already a most robust defence is that you could be complaining to the Court that the Plaintiff has not served upon you any of the documents on which they will seek to rely upon in Court at the hearing.

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I've just had a good long read of your thread, and Rory as well as others are giving you a cracking defence.

http://www.consumeractiongroup.co.uk/forum/general-debt/96228-urgent-please-help.html#post890299

I can't really see this case being loseable unless you don't turn up.

 

All I could possibly add to what's already a most robust defence is that you could be complaining to the Court that the Plaintiff has not served upon you any of the documents on which they will seek to rely upon in Court at the hearing.

 

 

Hi dmd and thanks.

I know I already have the case against them but what's concerning me now is the fact that I don't know what documents I need to take to the court and post to the sols.

Is it everything including statements of the account? Or just important things that are useful to me like the letter that admits they have no agreement?

Do I need a covering letter?

Also, on the day of court, if I use a page of notes for myself that details all the laws they've broken/not complied with and dates etc, is this counted as one of the 'relied on docs' that will need to be copied to the court tomorrow?

 

Ive never been to court before (as you can probably tell lol) and I don't have a clue what Im doing. I dont want to be told off or to make the judge dislike me before we even start the hearing!

Abbey - *SETTLED IN FULL!* ;)

-£445 refunded after one phonecall

HERE

 

Lloyds - Reclaiming Charges ***WON!***

-09/05/07 - Prelim delivered

-22/05/07 - LBA sent - no response

-11/07/07 - Filed at court

- 26/07/07 - Full settlement offer!!!! Donation made ;)

HERE

 

Next - Trying to Sue us with no agreement! :lol:

-29/06/07 - Defence filed

-16/08/07 - AQ filed

-19/09/07 - Claim struck out!! :p

HERE and continued HERE

 

PLEASE CLICK MY SCALES IF I'VE HELPED!

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Rory32 and Gizmo111 are online they may be able to help or contact some of the others.....or the legendary Diskmandave..!!

 

Lol he's already here...

Abbey - *SETTLED IN FULL!* ;)

-£445 refunded after one phonecall

HERE

 

Lloyds - Reclaiming Charges ***WON!***

-09/05/07 - Prelim delivered

-22/05/07 - LBA sent - no response

-11/07/07 - Filed at court

- 26/07/07 - Full settlement offer!!!! Donation made ;)

HERE

 

Next - Trying to Sue us with no agreement! :lol:

-29/06/07 - Defence filed

-16/08/07 - AQ filed

-19/09/07 - Claim struck out!! :p

HERE and continued HERE

 

PLEASE CLICK MY SCALES IF I'VE HELPED!

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If you 'phone the Court and ask if the Plaintiff has submitted a bundle they should tell you, if they have, ask why it hasn't been served on you. If they haven't you're laughing even more.

 

Rory and Tom And Laiste are already giving you an un-losable defence IMHO so I don't want to complicate matters by adding to them.

 

Best wishes, Dave.

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I didn't even know they had to submit a bundle! I didn't even get a copy of their AQ although I sent them a copy of mine.

 

I have heard nothing at all from their sols.

 

All I need to know is how to comply with the order. :confused:

Abbey - *SETTLED IN FULL!* ;)

-£445 refunded after one phonecall

HERE

 

Lloyds - Reclaiming Charges ***WON!***

-09/05/07 - Prelim delivered

-22/05/07 - LBA sent - no response

-11/07/07 - Filed at court

- 26/07/07 - Full settlement offer!!!! Donation made ;)

HERE

 

Next - Trying to Sue us with no agreement! :lol:

-29/06/07 - Defence filed

-16/08/07 - AQ filed

-19/09/07 - Claim struck out!! :p

HERE and continued HERE

 

PLEASE CLICK MY SCALES IF I'VE HELPED!

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So I just ask them why I haven't had a bundle served on me?

Abbey - *SETTLED IN FULL!* ;)

-£445 refunded after one phonecall

HERE

 

Lloyds - Reclaiming Charges ***WON!***

-09/05/07 - Prelim delivered

-22/05/07 - LBA sent - no response

-11/07/07 - Filed at court

- 26/07/07 - Full settlement offer!!!! Donation made ;)

HERE

 

Next - Trying to Sue us with no agreement! :lol:

-29/06/07 - Defence filed

-16/08/07 - AQ filed

-19/09/07 - Claim struck out!! :p

HERE and continued HERE

 

PLEASE CLICK MY SCALES IF I'VE HELPED!

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Just been on the phone to the court where I was told that they don't have to give us a court bundle or any copies of anything basically. If this is the case, why does it specifically say in the order that 'each party must deliver to every other party and to the court office copies of all documents on which that party intends to rely at the hearing'?

 

Why do I need to keep spending my hard earned fivers on next day delivery of info that they're not giving me back in return?

 

This is a right joke.

Abbey - *SETTLED IN FULL!* ;)

-£445 refunded after one phonecall

HERE

 

Lloyds - Reclaiming Charges ***WON!***

-09/05/07 - Prelim delivered

-22/05/07 - LBA sent - no response

-11/07/07 - Filed at court

- 26/07/07 - Full settlement offer!!!! Donation made ;)

HERE

 

Next - Trying to Sue us with no agreement! :lol:

-29/06/07 - Defence filed

-16/08/07 - AQ filed

-19/09/07 - Claim struck out!! :p

HERE and continued HERE

 

PLEASE CLICK MY SCALES IF I'VE HELPED!

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You should complain to the court manager in writing.

 

 

You need to send at least the following:

 

 

Legislation you need

 

Consumer Credit Act 1974 (especially s78 , 127, 88 )

Consumer Credit Act 2006 (especially sections on default notices, and schedule 3)

The Consumer Credit (Prescribed Periods for Giving Information) Regulations 1983

Data Protection Act 1998

 

 

 

 

Other information

 

Copies of all letters sent to you by Next, (particularly the letter you received from them on the 19th June 2007, stated unequivocally that Next do not hold a signed credit agreement)

 

Copies of all letters you have sent to next,

 

Any other information you have that is relevant

 

 

 

I think Laiste is on the thread, and will advise you further.

 

You can find most of the statutes on statute law; you may want to refer to House of Lords - Wilson and others v. Secretary of State for Trade and Industry (Appellant) etc as well.

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I am not a qualified or practicing lawyer.

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Thanks tomterm thats what I needed to know!

 

I'll get started printing all this stuff off. :)

Abbey - *SETTLED IN FULL!* ;)

-£445 refunded after one phonecall

HERE

 

Lloyds - Reclaiming Charges ***WON!***

-09/05/07 - Prelim delivered

-22/05/07 - LBA sent - no response

-11/07/07 - Filed at court

- 26/07/07 - Full settlement offer!!!! Donation made ;)

HERE

 

Next - Trying to Sue us with no agreement! :lol:

-29/06/07 - Defence filed

-16/08/07 - AQ filed

-19/09/07 - Claim struck out!! :p

HERE and continued HERE

 

PLEASE CLICK MY SCALES IF I'VE HELPED!

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I know I already have the case against them but what's concerning me now is the fact that I don't know what documents I need to take to the court and post to the sols.

Is it everything including statements of the account? Or just important things that are useful to me like the letter that admits they have no agreement?

!

 

Absolutely everything that backs up your defence that you want the judge to consider as part of your defence - so a copy of every single peice of paper that you intened to rely on in court. In the bank templates library there is a basic court bundle - the contents won't apply to your case but it will give you a idea of what sort of stuff should be included.

 

Do I need a covering letter? NO

Also, on the day of court, if I use a page of notes for myself that details all the laws they've broken/not complied with and dates etc, is this counted as one of the 'relied on docs' that will need to be copied to the court tomorrow?

 

No you should have the relevant acts etc in you bundle - your own notes are for your own use during the hearing.

 

Just been on the phone to the court where I was told that they don't have to give us a court bundle or any copies of anything basically. If this is the case, why does it specifically say in the order that 'each party must deliver to every other party and to the court office copies of all documents on which that party intends to rely at the hearing'?

 

Why do I need to keep spending my hard earned fivers on next day delivery of info that they're not giving me back in return?

 

This is a right joke.

 

 

They are wrong the other side have to send a bundle to the court and yourself by 4.00 tomorrow, I think they may have misunderstood as the COURT does not have to give you anything.

If the other side don't submit a bundle then you just ask for the claim to be struck out on non-compliance.

Consumer Health Forums - where you can discuss any health or relationship matters.

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So when I take all this down to the court tomorrow, would they tell me whether they've submitted a bundle or not?

 

Thanks for the advice.

Abbey - *SETTLED IN FULL!* ;)

-£445 refunded after one phonecall

HERE

 

Lloyds - Reclaiming Charges ***WON!***

-09/05/07 - Prelim delivered

-22/05/07 - LBA sent - no response

-11/07/07 - Filed at court

- 26/07/07 - Full settlement offer!!!! Donation made ;)

HERE

 

Next - Trying to Sue us with no agreement! :lol:

-29/06/07 - Defence filed

-16/08/07 - AQ filed

-19/09/07 - Claim struck out!! :p

HERE and continued HERE

 

PLEASE CLICK MY SCALES IF I'VE HELPED!

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So when I take all this down to the court tomorrow, would they tell me whether they've submitted a bundle or not?

 

Thanks for the advice.

 

If they have it - but they may not have sorted their post and married it up with your claim - courts are great at losing things. Make sure you get a receipt for yours from them. You will know in a couiple of days if you receive one or not though.

Consumer Health Forums - where you can discuss any health or relationship matters.

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Thanks everyone.

 

What Im doing is extracting the sections that tomterm has told me about and just copying them all into one big word document. Will that be ok or shall I put them all on seperate peices of paper?

Also, do I need to underline or highlight the bits I'll be using, or should I leave that until I make my notes?

Abbey - *SETTLED IN FULL!* ;)

-£445 refunded after one phonecall

HERE

 

Lloyds - Reclaiming Charges ***WON!***

-09/05/07 - Prelim delivered

-22/05/07 - LBA sent - no response

-11/07/07 - Filed at court

- 26/07/07 - Full settlement offer!!!! Donation made ;)

HERE

 

Next - Trying to Sue us with no agreement! :lol:

-29/06/07 - Defence filed

-16/08/07 - AQ filed

-19/09/07 - Claim struck out!! :p

HERE and continued HERE

 

PLEASE CLICK MY SCALES IF I'VE HELPED!

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I would put information relating to each act in one document each.

i will be off site for the next month or so. if you have any problems, feel free to report the post so a moderator can help you.

 

I am not a qualified or practicing lawyer.

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