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    • I haven't heard back from Tom & Co. since my email on Friday. Surprising! In the meantime I am preparing to file my statement for good, so please find below a new version and the amendment details. I also have a few procedural questions: Do I need to attach any or all evidence at this stage?  My possible evidence consists of: All my correspondence with CMS, which they have already submitted as part of their own evidence. So I don't think I need to submit the same. I have a correspondence history of me trying to claim expenses from Saudia which was like pulling teeth. Do I need to submit this to prove that I gave the defendant many chances to make things right. I think this was more relevant for the actual trial and not that much for the set aside. Opinions more than welcome. Boarding passes to prove I was travelling to Korea when they were trying to harass me. Is this necessary?  Their request for a remote hearing and my response. Probably not that relevant but may as well include it if they want full correspondence. Can I claim for a return train ticket to the court and back for this hearing when I win? Can I calim for additional interest for the time Saudia have stalled my payment with their set aside rigmarole?   Updated WS:     Detail of changes: Added paragraph 1. Introduction 1.      My name is K and I am a particular with no prior legal training or experience. This is my first appearance at a court. Added paragraph 18. filing a defense late. I am not 100% sure that this is legally correct so please do comment 18.      Furthermore if the solicitor had missed the deadline by inadvertence, the correct steps to follow would have been to file their defence anyway, and the judge may have decided to proceed with the trial providing the defence was valid. Considering the defendant is a professional solicitor, requesting for an extension was a surprising – and ineffective – choice, and again I suspect that this has nothing to do with them trying to follow due process, but so that they could invoke court fees with the sole purpose of threatening me to pay for them.   Added mentions to the strike out and summary judgement in paragraphs 31 and introduction Added my address in the introduction Some typos and grammar fixes, still plenty I'm sure! Some shortenings. Yes I know it's still a bit long. If @FTMDave wants to make some further cuts, now is the chance!              
    • what's the debt all about OC type of credit  when taken out etc. is your home jointly owed? and no they can't change the £pcm ordered by the judge. dx
    • Thank you DX but what i dont get is why have they passed it over to their in house solicitors its been to court and the CCJ was issued 7 years back so the only thing that strikes me is are they going to negotiate a payment increase via the court or possibly a charging order, cant see any other reasons for transferring it, i may be missing something though
    • not gone anywhere Overdales are Lowells in House Solicitor. just a diff desk, a bit further away from the bog in the call centre, with a bloke wearing a diff coloured skirt from the rest dx  
  • Our picks

    • If you are buying a used car – you need to read this survival guide.
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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.  

      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
      • 162 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
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Hi to all,

 

First of all would like to say what a great site and will defo be forwarding a donation.

 

I received a letter from aktiv kapital in dec.2010 saying that i owe them £925 for a debt i have no knowledge about. Thought i'd just ignore it after going on the internet and reading a few threads about these BAR STEWARDS. Then at the begining of jan recieved a letter from Buch Clark saying they want payment for the above debt (acting for aktiv kapital). Just ignored it again. Then another letter comes from Aktiv kapital 1 week later but this time its a statement of account for the sum mentioned-statement date 2008 to 2010. The actual date of the debt is from 1998 and original creditor is first national tricity finance.

 

I have never ever spoken or written to this company or heard of first national before.

 

After recieving this statement of account went back on to the internet only to find that these people have been placing defaults onto peoples credit files without any proof of debt. i'm applying for a mortgage next month and the last thing i need is this crap do deal with.

 

For the record i have never heard of aktiv kapital or fisrt national since these letters nor do i owe any of the money mentioned.

 

Checked my credit report which shows all clear apart from unrecorded enquiry from a company called lowells a couple of months. Certainly do not know who they ar and never authorised them to check my report.

 

Would really appreciate some help on this as want to sort this out before someone trys to mess up credit file illegally.

 

Apologies for the long thread, just wanted to make sure all points covered.

 

Any help would be greatly appreciated.

 

Best Regards

 

Tony

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Hi,

 

Sounds like a phishing trip, I'd tend to ignore for now, there is a letter you can send asking them to prove the debt is yours.

Lowells are very well known on this site, Debt Collectors. Looks like this bogus debt has been doing the rounds, I'd wait until you hear from them again.

 

Regards.

 

Scott.

Any advice I give is honest and in good faith.:)

If in doubt, you should seek the opinion of a Qualified Professional.

If you can, please donate to this site.

Help keep it up and active, helping people like you.

If you no longer require help, please do what you can to help others

RIP: Rooster-UK - MARTIN3030 - cerberusalert - Slick132

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Hi Scott

 

Thanks for the reply.

no.1- whats a phising trip?

no.2-is their a template for the letter?

no.3-why is lowells accesing my report and without my consent.

 

I've also read on other threads in the forums that this company has lied about people apparantly making payment arrangements over the telephone when in fact they have never had any contact with these lying scumbags. Also claiming that these statements amount to some sort of credit arrangement which i know are a load of bo**ocks.

 

Whats bothering me is them putting a default onto my credit file when i dont owe anybody a penny.

 

I'm lost with this one. should i enter into correspondance with them and then have the probable chance of them not leaving me alone and harrasing me or leave it alone and see what happens. if they do put a default onto file whats the process to get the default removed and is it a lengthy one.

 

Have heard of 1 person this has happened too(among many). not sure wether it was on this site. He was in the same situ as me but he contacted them to tell them the debt wasn't his. didn't here anything for a few months, then checks his credit file and they've put a default there. he was doctor so could afford good solicitors (thing they were called 'russel' something) and got £6000+ out of them.

 

Cant really afford solicitors. need every penny for my mortgage.

 

What should i do?

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Hi,

 

1. Phishing : Debt Collectors not knowing who the debt belongs to but attempting to collect from someone, maybe with a similar name or address.

 

2. http://www.consumeractiongroup.co.uk/forum/content.php?428-General-debt-letter-if-you-know-nothing-of-the-debt

 

3. Not sure about that one.

 

Have a look at this thread, very similar to your situation..................

 

http://www.consumeractiongroup.co.uk/forum/showthread.php?292864-DCA-trying-it-on.-What-next

  • Haha 1
Any advice I give is honest and in good faith.:)

If in doubt, you should seek the opinion of a Qualified Professional.

If you can, please donate to this site.

Help keep it up and active, helping people like you.

If you no longer require help, please do what you can to help others

RIP: Rooster-UK - MARTIN3030 - cerberusalert - Slick132

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Wouldn't let it bother you too much, as scot says, your on a phishing list and they are waiting for some one to contact them, then whether your the debtor or not, they will harass you from then on.

 

IF you are refused your Mortgage because of anything adverse on your credit file (CRF) that these fools have added or done, then you WILL have VERY strong grounds to seek damages in the courts.

 

Relax, don't respond to their tame pre school letters, there is nothing written in them that they can physically do no matter how hard they believe they can!

  • Haha 1

Who ever heard of someone getting a job at the Jobcentre? The unemployed are sent there as penance for their sins, not to help them find work!

 

 

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Who ever heard of someone getting a job at the Jobcentre? The unemployed are sent there as penance for their sins, not to help them find work!

 

 

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If you have Paypal, you can donate via the link at the top of this page.

If you are asked to deal with any matter via private message, PLEASE report it.

Everything I say is opinion only. If you are unsure on any comment made, you should see a qualified solicitor

Please help CAG. Order this ebook. Now available on Amazon. Please click HERE

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SF depriving me of beer tokens!:Cry:

 

:lol:

 

:behindsofa:

If you are asked to deal with any matter via private message, PLEASE report it.

Everything I say is opinion only. If you are unsure on any comment made, you should see a qualified solicitor

Please help CAG. Order this ebook. Now available on Amazon. Please click HERE

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