The judgement was a default judgement I moved out of the address they had for me and didnt tell them though at this point they were communication via email and not letter. I have a very very vaild defence which has been seen by plod on here and they agree.

Ive just noticed as well, they are claiming £742.50 for costs for the hearing. Any advice please.

Hi Im in court Monday on a Set Aside hearing and today, I have received a 5 page Witness Statement from the other sides solicitors. SURELY this is not reasonable as I am a Litigany in Person and they have known about this date for 8 weeks. Advice please

Thanks for the reply Plod. I think that they are now conscious of the fact that they have paid so much in enforcement fees that they do not what to agree to the set aside. When I very first spoke to the solicitor, he agreed to the set aside but wanted to speak to the client, who then said no. As I said, they have agreed to stay the HCEO until the Set Aside is heard.

Booo lol Thanks Andy

Hi I am applying for a judgement to be set aside Can I, on the same application or in the same hearing (To save money) apply that If I fail that the forthwith order be varied to £XX.XX per month. This is currently under a HCEO order but the claimant has agreed to hold off until the Set Aside is heard. Thanks Plod, I have tried to message you as the details for my claim are very specific and I know from past experience that the claimants solicitor reads this forum, and your inbox is full. Is there a way I can send it to you? Thanks Plod, can you post when you have read so I can delete the post please. Thanks

I may have to ask this question elsewhere but I am applying for a Set Aside and the claimants solicitor has, in writing, agreed to stay the HCEO until this is heard. The question I have is I received services from a compaany whos website says Please note that prices quoted on this website are guide prices only and will only be confirmed once an assessment has been made. I did not receive any price but did receive the services. I then received an Invoice three weeks later. This is not the sole arm of my defence but it is something Im looking to add. That there was no notification of cost in advance.

EOTM Yes i think that would be fair. I dont mind paying for half but seeing as they have the ability to see that there was a problem for 5 months I would have hoped they could have contacted me.

Wonder if anyone can advise on this. Our water is charged via a water meter. Today a bill dropped on my floor up to Sept 14. It says I have used 132 M3 of water in 3 months. Now according to the Water Counsil the average consumption for 4 people in a house is 164m3, we are near that in 3 months. I contacted the company and they looked on their system and said yes, the meters telling me you have had a continuous feed of water in May, June, July, Aug and Sept. Im looking now and October is the same. You have a leak. My question is this. SURELY they have a duty of care to their customers. Their system is telling them I have a leak but they have made no contact to tell me. I do not know what the leak is and have plumbers coming tomorrow (Relatives so no excessive fees.) I do feel that if I wasnt on a meter then the Company would have contacted me as the water would have been uncharged for. Thoughts?

Can you please explain why I have no grounds for Stay of Execution. I find it interesting that someone ASKS what my grounds are but you TELL me I dont have any. Thanks

I think I know what I am doing but just need it confirming. I have a CCJ against me for £1007 issued 9/9/14 Yesterday I received a letter from a HCEO it says Sum Outstanding £1118.75 Interest £3.09 Compliance Stage Fee £90 Total Sum £1211.84 I am going to my nearest County Court that deals with High Court Matters. It is my intention to make an application for a stay of execution (N244) and also an application for a variation of the order as it was a forthwith judgement. Just to murk the waters a little, I received a letter from a DCA after the CCJ was issued telling me to contact them within 14 days. I havent nor can I for the love of me find this letter. Couple of things, is that correct. Fill a N244 for the stay and N245 for the variation of the order. I will try and take them first thing and have ask for a Judge to do it their and then. And other advice received with thanks Sorry, any idea why the amount owed has gone from £1007 to £1118.75 within a month? Also if the value is incorrect on the writ, can this be grounds for it to be nil and void? Thanks

While you may agree, there is no legal requirement to do so and actually a law that states it is not necessary. Why incur any additional costs to your selves. Dont feel sorry for the DVLA. There was 61 cases, only 7 turned up. So they have received 54 x £110 in costs

Just thought Id post what happened today. I was in court for being the RK of a vehicle that was un-insured 6 months after I had sold it. On arrival we were told someone would see us before court. I waited and was led into a interview office. The lady read the charge then asked if I had the car. "No" Did I sell the Car. "Yes" Did I send off the V5 "Yes" Well we haven't received it, can you prove it? I said no I couldn't. She then went on a bit about we can fine the original £80 now with no costs blah de blah. I then interrupted and said, "But I don't need to prove it. Section 7 of the Interpretation Act of 1978 says I don't" She looked at me, said we will withdraw the case and advised me in future to send correspondence recorded. I was in a rush so didnt want to argue

No he hasnt contacted the council. Hes only just come to me with this. He only contacted the bailiff about 30 mins ago. He is a single parent looking after his son. Thanks

I succesfully beat Rossendales in the past thanks to this forum. A friend who has NEVER seen the bailiff nor let him in, has a letter saying they are coming tomorrow for £576 or removing goods. He is not techno savvy so I told him to ask for a breakdown to be sent to him. He phoned and asked for it over the phone but was told he cant have it as its electronic. He is really panicking and as it was a while since I beat them, I want to make sure all is as is. Am I still 100% correct that as they have not been in the house, no walking possession or anything, that there is nothing that they can do? I just want to make sure before I try and help him. Thanks

Just and update. Cheque received today for full amount. Thanks again

Stu I agree that there are plenty of Keyloggers out there. However, if a hacker was to do such a thing, why would they waste their time on something that they cannot personally benefit from? They cannot get the money out of the account so why would they go to Ladbrokes (A site the OP has a claim going back 6 years that he "forgot" that he hadnt received £100) when they are much much more easier ways to defraud someone if you know their card details.

In the 3 years of doing my job, I have NEVER encounted anyone who has been the victim of false bets TWICE and definitely not with the same company http://www.consumeractiongroup.co.uk/forum/showthread.php?370602-Fraud-Dispute-with-Ladbrokes-Bet You keep saying that the IP address proves it wasnt you. No IT person would say that as the IP can be masked to be absolutely anywhere. I have asked for the betting slip,but I have advised that the investigation proves that the bet wasn't made at my partners address from all the investigation. Now as far as I am aware, and I do about 50 of these investigations a year, the ONLY way to determine the address of an IP is to get a court order or the police involved to question the ISP of the person who has the claim. I as a company investigator cannot do this. They will say to the ISP can you tell me who was allocated IP address 81.25.255.36 on Saturday 1st March 2014 @ 17:42 and they will say it was allocated to Mr Bloggs. If they have come through a VPN, they will go to the VPN provider to ask for the opening IP. You have said the only people to have done any investigation is Ladbrokes and the FSA You keep saying the betting slip proved it wasn't me but don't state how. If you are going solely on the fact of the IP address then your argument is seriously flawed. In post #8 you say Also they argree that the bet winnings could have been withdrawn by other payment methods,but they favour the bank because I let my card details be used so the bank will not pay. Ladbrokes T&Cs state You will be required to use the same card when making withdrawals from your Ladbrokes account. You cannot withdraw by any other method except by going into a shop with the debit card and ID. After investgating I noticed that there are ways to get a refund without my permission, Can you please advise what these are? In posts #3 and #8 you wrote that you had left your details on remember me then when I said that this was an important error, you have changed it to I might have done in post #11 Im sorry if I sound harsh but for someone to go to the trouble of placing a bet on your account for no personally advantage where they wouldnt be able to get the money is miniscule. Maybe someone has done it to pee you off in your circle of friends but from what you have told us, IMO and like I said, this is my job, you are to blame. If I had been done by Ladbrokes as you claimed on the other thread 6 years ago, my account would have been long closed.

Thanks Lee Tmobile have been brilliant. Blocked the numbers as suggested. Got three different services that have text. Got contact numbers, email addresses and website addresses for the companies. The emails are on their way. To be honest, I wont be asking for a refund as a goodwill gesture as he is 11.

Hi Bankfodder http://www.lottobytext.co.uk/ I believe the above is the company looking at the texts.

Bazzas, thanks for your advice. The other 2, glad you find some humour out of this because Im struggling. Can anyone advise if an 11 year old can agree to enter into a gambling contract?

I decided to put my son on a Monthly SIm only contract on his phone as he was topping it up to £20-£30 a month and I got one for £11.50 from T Mobile. I have just got the bill and he has been charge £27.30 for text messages from a lottery syndicate where they had been charging upto £5 per text. He is 11 I asked him what happened and he said he tried to download some wallpaper on his laptop and a page came up that he couldnt close until he entered his mobile number. Being naieve he did and thats when it started. What can I do. Thanks

1. The funds cannot be withdrawn to another Card. With Ladbrokes, if you have deposited with a debit/credit card, then the winnings are sent back to that card. 2. The issue that you have wrote the details down in a diary are irrelevant. You have kept, by your own admission, the computer set to remember me. The website stores your details on their servers, as you know. 3. The IP address being somewhere else is A/ Irrelevant and V/ Confusing A. because you can use a proxy server and appear to be anywhere in the world. I frequently have to log into my companies Intranet while in Florida and I have to use a UK VPN B but the confusing thing is you say that the bet was placed on a computer that you have used in the past but also say that the IP places the bet in the wrong place. I dont understand how its on the right computer but in the wrong place. IMO, what has happened is that you have, as you admit, left the computer on remember me. Someone has then logged into your account on your friends computer and deposited using the details already stored on the PC. They have then placed bets on your account. What I would ask is this. When the deposit was made, was the correct CVC code used. I am not 100% sure whether Ladbrokes ask for the security code when making deposits. I say it like that because while they may ask you to enter it, there is another cost (20p) for it to be confirmed with the customers bank. I am a Fraud and Integrity consultant and currently work for a betting exchange and 2 UK fronted online sportsbooks/casinos (Not Ladbrokes )

Sorry for the delay It says Parked in a Restircted Street During Prescribed Hours (Code 01) The exact Location was actually on High Street in Hoyland though she has put Kings Street (Which starts another 80 Metres down.)

Will do, Ill get him to bring the paperwork tomorrow when I will meet him on somthing else. Thanks again