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    • I apologise if I was being unclear. Where it currently stands is that they will have it repair, placing scaffolding in our garden for 5 days. They have moved fast, but we will still have to postpone our contractors, meaning, we won't necessarily have the work done in time for the wedding and therefore will incur additional expenses for either a marquee or a wedding venue. They are vehemently against having any kind of liability in any regard but continue repeating that they are legally entitled to use our garden for their repairs (I believe this is true unless the work can be carried out using a cherry picker). The neighbour seems either indifferent or oblivious to the fact they can't reach all of the side of the roof from the space where they can place the scaffolding. They have asked their roofer of choice about using a cherry picker but the roofer has said it wasn't possible. It's not clear whether the roofer doesn't want to use a cherry picker or whether there is an issue with it. They have told us it is a problem that we are installing a gazebo as it will prevent them to access their roof from our garden in the future?!?  
    • Couldn't agree more, really wanted a true ruling on this just for the knowledge but pretty sure the Judge made some decisions today that he didn't need to?.. maybe they all go this way on the day? We hear back so few post court dates I'm not sure. Each Judge has some level of discretion. Their sol was another Junior not even working at their Firm, so couldn't speak directly for them! that was fortunate I think because if she would have rejected in court better, she might have  been able to force ruling, we are at that point!, everybody there!!, Judge basically said openly that he can see everything for Judgement!!!  but she just said "I can speak to the claimant and find out!" - creating the opportunity for me to accept. I really think the Judge did me a favor today by saying it without saying it. Knowing the rep for the sol couldn't really speak to the idea in the moment. Been to court twice in a fortnight, on both occasions heard 4 times with others and both of my claims, the clerk mention to one or both parties "Letting the Judge know if you want to have a quick chat with each other"! So, it appears there's an expectation of the court that there is one last attempt at settling before going through the door. So, not a Sol tactic, just Court process!. Judge was not happy we hadn't tried to settle outside! We couldn't because she went to the loo and the Judge called us in 10 minutes early! - another reason to stand down to allow that conv to happen. Stars aligned there for me I think. But yeh, if the sol themselves, or someone who can make decisions on the case were in court, I would have received a Judgement against today I think. She was an 'advocate'.. if I recall her intro to me correctly.. So verbal arguments can throw spanners in Court because Plinks dogs outsource their work and send a Junior advocate.
    • that was a good saving on an £8k debt dx
    • Find out how the UK general elections works, how to register to vote, and what to do on voting day.View the full article
    • "We suffer more in imagination than in reality" - really pleased this all happened. Settled by TO, full amount save as to costs and without interest claimed. I consider this a success but feel free to move this thread to wherever it's appropriate. I say it's a success because when I started this journey I was in a position of looking to pay interest on all these accounts, allowing them to default stopped that and so even though I am paying the full amount, it is without a doubt reduced from my position 3 years ago and I feel knowing this outcome was possible, happy to gotten this far, defended myself in person and left with a loan with terms I could only dream of, written into law as interest free! I will make better decisions in the future on other accounts, knowing key stages of this whole process. We had the opportunity to speak in court, Judge (feels like just before a ruling) was clear in such that he 'had all the relevant paperwork to make a judgement'. He wasn't pleased I hadn't settled before Court.. but then stated due to WS and verbal arguments on why I haven't settled, from my WS conclusion as follows: "11. The Defendant was not given ample evidence to prove the debt and therefore was not required to enter settlement negotiations. Should the debt be proved in the future, the Defendant is willing to enter such negotiations with the Claimant. "  He offered to stand down the case to give us chance to settle and that that was for my benefit specifically - their Sols didn't want to, he asked me whether I wanted to proceed to judgement or be given the opportunity to settle. Naturally, I snapped his hand off and we entered negotiations (took about 45 minutes). He added I should get legal advice for matters such as these. They were unwilling to agree to a TO unless it was full amount claimed, plus costs, plus interest. Which I rejected as I felt that was unfair in light of the circumstances and the judges comments, I then countered with full amount minus all costs and interest over 84 months. They accepted that. I believe the Judge wouldn't have been happy if they didn't accept a payment plan for the full amount, at this late stage. The judge was very impressed by my articulate defence and WS (Thanks CAG!) he respected that I was wiling to engage with the process but commented only I  can know whether this debt is mine, but stated that Civil cases were based on balance of probabilities, not without shadow of a doubt, and all he needs to determine is whether the account existed. Verbal arguments aside; he has enough evidence in paperwork for that. He clarified that a copy of a DN and NOA is sufficient proof based on balance of probabilities that they were served. I still disagree, but hey, I'm just me.. It's definitely not strict proof as basically I have to prove the negative (I didn't receive them/they were not served), which is impossible. Overall, a great result I think! BT  
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      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.

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      OT APPROVED, 365MC637, FAROOQ, EVRi, 12.07.23 (BRENT) - J v4.pdf
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CL Finance Claimform - old halifax credit card **WON+Charges back fron the OC**


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right uk ive done expenses sheet but still nothing from cpr request but i did forget to phone the bank but im my defence my aunt and uncle were at my dads today and my aunt is been treated for cancer and well its not looking good so it was the last thing on my mind sorry ill try and do it tomorrow just got the one app but its unlikely to arrive now isnt it so what now then :confused:xxkia

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Ok Kia, sorry to hear the bad news. If you can call the Halifax, and ask them what the APR is, it would help.

 

They have failed to comply with your request for the CPR18....so we add that to your counterclaim.

 

Expenses sheet, let me have the info, so i can work out what to offer the Halifax. The charges alone may not be enough to clear the debt.

 

We have to move quickly here and keep the judge on your side. It won't be a good start to the New Year with a CCJ in your name.

 

If you supply the info, i can relieve this pressure you have at the moment. If for some reason you have any problem with the paperwork, i'm sure Blue and Queen T will help again, if i'm not around.

 

Chin up Angel. . . :)

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just been given the runaround again by the halifax grrrrrr she said ill transfer u thats code for im gonna cut u off does anyone know the phone number for the credit card section maybe thats the way to do cos ive tried the SAR one that just says youll get your statements in 40 days then cuts u off the customer relations ones youve gotta tell the whole tail again which i just did and the bottom line was she was transferring me to their credit card section when she cut me off again but she was saying they have no record of my previous complaints none at all well i said ive phoned 3 times requesting these for the CPR she says whats that then this is the manager of the halifax supposed to be so now i gotta go up to me dads as that took longer than i thought it would grrrrrrr and when ive calmed down a bit il try again liable to chew someones head off at the mo xxkia:mad:

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Try 01383 426875 . . . . .or 01383 743833. . .

 

These are customer relations. Don't mention the CPR 18, just ask for your APR Kia.

 

Uk

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Hi Kia. They should tell you straight away, i don't know what is going on with them. Have you tried again?. .

 

I have your homework, i had to download open office to open it. I will send you your paperwork in that format in the future.

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nope them numbers just ring out no answer and they should still be there surely you sure there the right numbers cos surely there should be some sort of answer thing xxkia

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They are the numbers i have used to get in touch with them. Have you managed to get the info yet Kia? . . .. If you have'nt, what sort of card was it?. . . Was it a Halifax Classic, visa, mastercard etc? . .

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I will check out their website, and get the APR from there. They have failed to give you any info undet CPR 18, so the judge won't like that. I will work on it .. . See you later. .

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Kia, that card starts at 27.9% . . . that is what we should use, as they have'nt given you the figure themselves.

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I will do the figures and your POC, the counter claim will then ready to file. They have had a chance to comply with all of the requests, and have'nt bothered.

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thanks uk do i need to print off the form things cos ill do that today if get chance going to meet my daughters mother and step dad :eek:later on so fun on that one eh and youngest getting brace done tomorrow so busy days they need to be for me to stop mind thinking xxkia

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Ok Kia, your schedule of charges comes to £1447.94 . . .

 

I have converted it to open office for you, so you should be able to open it. I will send everything in one folder shortly. If you don't have open office, you can download it for free on their website.

 

The form you need would be an N11 and can be found on the court website.

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What forms are you filling in?

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