Apolyton Archive  |  Preserved copy of the Apolyton Civilization Site and its forums as they stood in September 2005. Read-only; nothing here can be posted to or replied to.  |  Forum index |  About this archive |  The 1998–2001 UBB forums
Today on Apolyton WARDELL INTERVIEW PROMO A.C.S. HISTORY CHAPTER 4 GET CIV4 /w FREE PLUS! A.C.S. PHOTO GALLERY GET A.O.M. V1.1
Apolyton Civilization Forums
main| civ2| civ3| civ4| smac| ctp2| ron| moo3| galciv| galciv2| alt| about|
ApolytonPLUS | register | search | faq | new posts | pm (-/-) | upload | members
hall of fame new! | civgroups | civgroups news | interviews | the column | radio | chat | directory | news | store | PLUS
Apolyton Civilization Forums : Powered by vBulletin version 2.0.3 Apolyton Civilization Forums > Miscellaneous > Archive > Off-Topic-Archive > Yet more advice: settling a debt (English legal advice)
Show a Printable Version | Email This Page to Someone! | Receive updates to this thread | Report this to Apolyton news!

bottom of page
  
Author
Thread   
Pages (2): [ 1   2   ]
< Last Thread     Next Thread > Post New Thread     Post A Reply
Provost Harrison is offline Provost Harrison
Emperor
The farce is strong with this one.
Feb 2000
time: 05:26
  Old Post 24-02-2003 22:47
Edit/Delete Message Reply w/Quote
#1 Report this post to a moderator
Yet more advice: settling a debt (English legal advice) Support Apolyton buy from Amazon

OK, 17 months ago the university I was carrying out my PhD with made a 'faux pas' to use a euphemism. Now I used to receive a quarterly maintenance grant of £1872.50 for my studentship. However in late September 2001, they decided to pay me not once, not twice but three times Hence I actually received that quarter an extra £3745. As they were completely clueless, I just moved it into a savings account. However, financial problems struck and I had to use some of this money to the tune of £1345, leaving £2400.

Now in February the following year they demanded the money back. I said they could have £2400 of it immediately, but the rest, they were simply going to have to wait for. But as of yet, despite a small amount of correspondence, there has been no move to retrieve on their behalf nor pay on my behalf as I have not yet gained permanent employment.

I have offered them terms of repayment (60 monthly at £22.42 or so a month), but they were none too pleased by this and are threatening me with legal action. How do I stand, legally speaking? Do they have a leg to stand on as it was their error? (they threatened me with the effect on my credit rating, although I pointed out to them I have not undertaken a credit agreement with them). I am willing to pay it back, but on my terms.

Advice? I know Laz may know a thing or two about this.

Dauphin is offline Dauphin
Emperor
Caught in a tuna net
Jan 1970
time: 05:26
  Old Post 25-02-2003 01:17
Edit/Delete Message Reply w/Quote
#2 Report this post to a moderator
Support Apolyton buy from Amazon

Any debts are valid and reclaimable for 6 years after last contact, including erroneous payments and loans.

Flubber is offline Flubber
Emperor
With a view of the Rockies
Aug 2000
time: 22:26
  Old Post 25-02-2003 01:21
Edit/Delete Message Reply w/Quote
#3 Report this post to a moderator
Browse Apolyton AD-FREE

Unless you Brits have some statute that governs this, the money was paid to you under the aptly named legal doctrine of "mistake". I understand here that you knew right away that you were not entitled to this money so generally the law will not allow you to keep the money . Now, if you had informed them immediately of what seemed to be an error and someone in officialdom told you that you were entitled to the money, you would be in a different position possibly. I represented a guy you got government benefits he thought he was not entitled to (but it was a bit more difficult to tell). he phoned officialdom twice and spoke to entry level and then supervisor level people who all told him to keep the money. Two YEARS later they came looking for the money and threatened legal action. WE told them to get lost citing their confirmations (he had kept records of all the phone converstaions). Its now 5 years later and we have not heard another word.

Note that if you thought all along that you were entitled to the money , they would have a heck of a time getting it back.

Now as to your current predicament, there is the legal and the practical. The legal is that you present the facts as you knowing immediately that the money was not yours yet you spent some due to life circumstances. They would likely be successful in an action to recover the money. But this gets into the practical-- unless your court and judgement system works very differently, there is absolutely no benefit to them to sue someone in this circumsatnce where you are ready to pay them back . . . a judgenment gets them the right to garnishee wages, bank acounts etc or seize assets. I doubt you have anything to seize ( most household goods are exempt in most jurisdictions) and you don't have any money so the best they will get is installments (from your income). since thats what you are offering, all legal action does is run up costs. I suspect it is a bluff to try to shake you up. They are probably secretly delighted to get 2400 back fairly quickly. You would be amazed at how many people fold at the first mention of legal action.

JohnT is offline JohnT

Emperor
Capitalist
Mar 1999
time: 00:26
  Old Post 25-02-2003 02:01
Edit/Delete Message Reply w/Quote
#4 Report this post to a moderator
Support Apolyton, buy Civilization III: Complete

"You would be amazed at how many people fold at the first mention of legal action."

Hopefully, like my father when I hit him with a lawsuit of $5,000,000 for breach of contract.

Flubber is offline Flubber
Emperor
With a view of the Rockies
Aug 2000
time: 22:26
  Old Post 25-02-2003 02:14
Edit/Delete Message Reply w/Quote
#5 Report this post to a moderator
Suffering from ads?

quote:
Originally posted by JohnT
"You would be amazed at how many people fold at the first mention of legal action."

Hopefully, like my father when I hit him with a lawsuit of $5,000,000 for breach of contract.



Unfortunately the " caving-in" phenomenon seems to occurr more frequently in people not experienced in business. To anyone who has been in business for a while, the threat of suing or being sued is just one more negotiating/business tactic. As a lawyer, and knowing how slow the process can be, I am amazed when anyone is that worried over the mere fact that they might be sued.

The other big one that gets most individuals is that it will " hurt your credit rating". I got that myself from a company once when I disputed a charge and they called looking for payment. I laughed at them. I think these debt collection folks are used to most people being cowed by their little threats.


But good luck with that lawsuit

FrustratedPoet is offline FrustratedPoet
Emperor
All Glory To The Hypnotoad!
Mar 2002
time: 05:26
  Old Post 25-02-2003 02:15 Visit FrustratedPoet's homepage!
Edit/Delete Message Reply w/Quote
#6 Report this post to a moderator
Support Apolyton, buy Civilization 2

I was about to mock you for posting a "I've bought a new car!" thread immediately followed by a "Help, I've got big debts!" thread, but then I realised there isn't anything to mock here.

Provost Harrison is offline Provost Harrison
Emperor
The farce is strong with this one.
Feb 2000
time: 05:26
  Old Post 25-02-2003 02:32
Edit/Delete Message Reply w/Quote
#7 Report this post to a moderator
Increase Your PM Length

No, the car loan doesn't affect my finances as they have stood for years. I am just taking out a loan to the same value of the original...as I have already paid off most of the original loan I have a lot of money left after paying off the original loan, enough for a decent car with a trade in. With the reliability of my present car, I can't really afford to do anything other, especially when the monthly loan payments will be exactly the same (in fact, marginally cheaper due to the fall in interest rates )

This debt is another issue. Yeah, I acknowledge their claim to the debt, and have never done anything other. My issue is with the repayment. I do not have the funds to make a payment to that figure. But I have offered them terms of repayment and they were not satisfied. I am not in the slightest concerned by the concept of legal action as I know in my position my offer is more than generous. But the simple fact is, with Hull's poor public transport, I need a car for commuting and jobseeking.

Flubber is offline Flubber
Emperor
With a view of the Rockies
Aug 2000
time: 22:26
  Old Post 25-02-2003 02:44
Edit/Delete Message Reply w/Quote
#8 Report this post to a moderator
Support Apolyton, buy Civilization: The Boardgame

If your car is collateral for a loan, it is likely impractical for that to be seized in any event--

I think I would do what you are doing-- essentially make it clear that you REALLY don't have the money and leave it at that-- A lawsuit seems to serve no purpose for them

Provost Harrison is offline Provost Harrison
Emperor
The farce is strong with this one.
Feb 2000
time: 05:26
  Old Post 25-02-2003 03:01
Edit/Delete Message Reply w/Quote
#9 Report this post to a moderator
Get a bigger avatar today!

That is exactly what I thought. I am not concerned and I am not going to panic, after all, they cannot take what I don't have...

Lazarus and the Gimp is offline Lazarus and the Gimp
King
Whale-raping abomination
Aug 2000
time: 05:26
  Old Post 25-02-2003 03:29
Edit/Delete Message Reply w/Quote
#10 Report this post to a moderator
Support Apolyton

I'm afraid you don't have a leg to stand on, PH. They are within their rights to request immediate repayment and take action for recovery through the County Courts.

If you can pay it, do so ASAP, or you'll get a County Court Judgment against you which will royally screw up your ability to get future credit facilities.

Provost Harrison is offline Provost Harrison
Emperor
The farce is strong with this one.
Feb 2000
time: 05:26
  Old Post 25-02-2003 03:38
Edit/Delete Message Reply w/Quote
#11 Report this post to a moderator
Full PM-box? Change here!

Seriously, even though I have made an offer of repayment over a period of time, and that the error was theirs?

Lancer is offline Lancer
Emperor
Oregon Coast, USA! or Bohol, Philippines!
Apr 1999
time: 05:26
  Old Post 25-02-2003 04:13
Edit/Delete Message Reply w/Quote
#12 Report this post to a moderator
Got spare money?

Tell them you have three distinct personalities and each of you got the correct payment. Or, that you have multiple personalities and you are passing the hat among yourself as none of you has admitting taking their money, and you're not about to check everyones pockets.

Tell them it's in the mail, that you posted it from Somaliland, in cash, during the height of the revolution. That you had explained to the man in the post office that your parcel was full of CASH, and you were concerned for its safe delivery. He said "consider it delivered". You believed him because he seemed gay, and so was the personality that gave him the package.

They should now seek their money from the gay guy in the Somali postal system.

This works every time.

Btw PH, your town of Hull was on TV here in Oregon the other day. Seems that because of a riot in the soccer stadium the place now has cameras that can tell everyone's identity in the stadium. It's enough of a marval to make it to some techy sort of program.

So, Hull is famous now.

Provost Harrison is offline Provost Harrison
Emperor
The farce is strong with this one.
Feb 2000
time: 05:26
  Old Post 25-02-2003 04:24
Edit/Delete Message Reply w/Quote
#13 Report this post to a moderator
Support Apolyton buy from Amazon

LOL, Hull was on the news in Oregon? Well I never

Lazarus and the Gimp is offline Lazarus and the Gimp
King
Whale-raping abomination
Aug 2000
time: 05:26
  Old Post 25-02-2003 21:44
Edit/Delete Message Reply w/Quote
#14 Report this post to a moderator
Get a bigger avatar today!

quote:
Originally posted by Provost Harrison
Seriously, even though I have made an offer of repayment over a period of time, and that the error was theirs?


To remain within the law you should have informed them as soon as you found out about the extra money. By not doing so you have actually committed theft as defined by the "unjust enrichment" sections of the Theft Act.

JohnT is offline JohnT

Emperor
Capitalist
Mar 1999
time: 00:26
  Old Post 25-02-2003 22:06
Edit/Delete Message Reply w/Quote
#15 Report this post to a moderator
Get a bigger avatar today!

Are you willing to sell your great idea for 1,300 pounds, PH?

Provost Harrison is offline Provost Harrison
Emperor
The farce is strong with this one.
Feb 2000
time: 05:26
Arrow  Old Post 25-02-2003 22:42
Edit/Delete Message Reply w/Quote
#16 Report this post to a moderator
Help yourself to an AD-FREE life

quote:
Originally posted by Lazarus and the Gimp


To remain within the law you should have informed them as soon as you found out about the extra money. By not doing so you have actually committed theft as defined by the "unjust enrichment" sections of the Theft Act.


Oh that is bloody ridiculous! If the uni could get their head out of their arse for once they'll realise that they have f**ked me around enough in the past and I wasn't going to go running after their mistakes...

Park Avenue is offline Park Avenue
Emperor
Liberal and defender of freedoms for the people
Oct 1999
time: 05:26
  Old Post 25-02-2003 22:43
Edit/Delete Message Reply w/Quote
#17 Report this post to a moderator
Support Apolyton, buy GURPS/ Alpha Centauri

You're going down for a loooong time!

Provost Harrison is offline Provost Harrison
Emperor
The farce is strong with this one.
Feb 2000
time: 05:26
  Old Post 25-02-2003 22:46
Edit/Delete Message Reply w/Quote
#18 Report this post to a moderator
Support Apolyton, buy Galactic Civilizations: Deluxe Edition

Now that is highly unlikely now Stew

Jon Miller is offline Jon Miller
Emperor

May 1999
time: 23:26
  Old Post 25-02-2003 22:50
Edit/Delete Message Reply w/Quote
#19 Report this post to a moderator
Put an end to popups!

hry, at least in prison you will get more action

Jon miller

FrustratedPoet is offline FrustratedPoet
Emperor
All Glory To The Hypnotoad!
Mar 2002
time: 05:26
  Old Post 25-02-2003 22:54 Visit FrustratedPoet's homepage!
Edit/Delete Message Reply w/Quote
#20 Report this post to a moderator
Support Apolyton, buy Civilization III: Complete

quote:
Originally posted by Provost Harrison


Oh that is bloody ridiculous! If the uni could get their head out of their arse for once they'll realise that they have f**ked me around enough in the past and I wasn't going to go running after their mistakes...


Sorry, but I don't think it is ridiculous. You knew perfectly well that they had made a mistake and yet you said nothing and kept the money. Did you think they would never notice?

If you asked me to give you £10 and I gave you £20 by mistake, would you keep quiet about it? Probably not. Why? Because that would be immoral and you're a better person than that. The same principle applies here.

Upon finding out they had been paid triple the normal amount most people would think "Holy ****! They're gonna be pissed when they find out about this! I'd better tell them about it now and get it sorted out before they come knocking on my door asking for it back."

Provost Harrison is offline Provost Harrison
Emperor
The farce is strong with this one.
Feb 2000
time: 05:26
  Old Post 25-02-2003 22:59
Edit/Delete Message Reply w/Quote
#21 Report this post to a moderator
Help yourself to an AD-FREE life

They're going to be pissed? They deposited large sums of money in my bank account, and quite frankly, if people want to deposit large sums of money in my bank account, I'll gladly oblige

Provost Harrison is offline Provost Harrison
Emperor
The farce is strong with this one.
Feb 2000
time: 05:26
  Old Post 25-02-2003 23:00
Edit/Delete Message Reply w/Quote
#22 Report this post to a moderator
Support Apolyton buy from Amazon

Believe me, with the f**king around I'd had with my PhD and the consistent late payment of my grant, my conscience wasn't pricked. People should learn to do their jobs properly. They should consider it a lesson well learned

SpencerH is offline SpencerH
King
Co-Ruler of my patch of land south of Birmingham Alabama
Feb 2002
time: 23:26
  Old Post 25-02-2003 23:02
Edit/Delete Message Reply w/Quote
#23 Report this post to a moderator
Increase the size of your Attachments

The British taxpayers want their pound of flesh. Theres a couple of the 'lads' on their way t'see ya as we speak.

JohnT is offline JohnT

Emperor
Capitalist
Mar 1999
time: 00:26
  Old Post 25-02-2003 23:04
Edit/Delete Message Reply w/Quote
#24 Report this post to a moderator
Inflate your Upload Space

quote:
Originally posted by Provost Harrison


Oh that is bloody ridiculous! If the uni could get their head out of their arse for once they'll realise that they have f**ked me around enough in the past and I wasn't going to go running after their mistakes...


So you're defense is going to be "Since dealing with the University was such a pain over the past few years, when I received the money I decided that it was their problem, not mine and if they cared, they could fix it, not me."?

Well, that sounds precisely like that is what they are doing. Now that they are fixing their mistakes, you owe them 3,000+ pounds... according to your rationalization, anyway.

FrustratedPoet is offline FrustratedPoet
Emperor
All Glory To The Hypnotoad!
Mar 2002
time: 05:26
  Old Post 25-02-2003 23:05 Visit FrustratedPoet's homepage!
Edit/Delete Message Reply w/Quote
#25 Report this post to a moderator
Support Apolyton, buy Civilization: The Boardgame

quote:
Originally posted by Provost Harrison
Believe me, with the f**king around I'd had with my PhD and the consistent late payment of my grant, my conscience wasn't pricked.


So you feel like you deserve the money 'cos they ****ed you around?

They certainly won't see it that way and neither will a court.

Provost Harrison is offline Provost Harrison
Emperor
The farce is strong with this one.
Feb 2000
time: 05:26
  Old Post 25-02-2003 23:33
Edit/Delete Message Reply w/Quote
#26 Report this post to a moderator
Support Apolyton, buy Civilization: The Boardgame

No, my issue is, my conscience isn't pricked. I viewed it as a very handy and cheap loan. If they want it back, they'll have to have installments because I do not have a permanent job.

Provost Harrison is offline Provost Harrison
Emperor
The farce is strong with this one.
Feb 2000
time: 05:26
  Old Post 26-02-2003 00:34
Edit/Delete Message Reply w/Quote
#27 Report this post to a moderator
Get a bigger avatar today!

And stop being overly moralistic. If you suddenly saw that kind of money in front of you, would you just give it back without a second thought, especially from an organisation who had made your past couple of years hell. Right or wrong, my conscience was not pricked - I was paid a pittance.

JohnT is offline JohnT

Emperor
Capitalist
Mar 1999
time: 00:26
  Old Post 26-02-2003 00:52
Edit/Delete Message Reply w/Quote
#28 Report this post to a moderator
Avatar Enlargement: We've got the solution

We're not being overly moralistic. We're just telling you that your reasoning will not stand up in court.

Provost Harrison is offline Provost Harrison
Emperor
The farce is strong with this one.
Feb 2000
time: 05:26
  Old Post 26-02-2003 01:00
Edit/Delete Message Reply w/Quote
#29 Report this post to a moderator
Support Apolyton, buy Civilization: The Boardgame

But I've made them a reasonable offer of repayment. I would be surprised if they took it to court, and if they did, I may consider countersuing for the distress I endured during my PhD.

JohnT is offline JohnT

Emperor
Capitalist
Mar 1999
time: 00:26
  Old Post 26-02-2003 01:06
Edit/Delete Message Reply w/Quote
#30 Report this post to a moderator
Put an end to popups!

And your resources to launch the countersuit will be... the 2,000 pounds you have left from the University's mistake?

 
Pages (2): [ 1   2   ]
< Last Thread     Next Thread > Post New Thread     Post A Reply
All times are GMT. The time now is 05:26.
Apolyton Time is 00:26.
    top of page
Rate This Thread:
archivepost
Forum Jump:
Forum Rules:
You may not post new threads
You may not post replies
You may not post attachments
You may not edit your posts
HTML code is ON
vB code is ON
Smilies are ON
[IMG] code is ON
 




Contact Us - Apolyton Civilization Site - Support Us!

Building a better Apolyton through better information. Click here and take our poll!
Non-US visitors, click here!

Powered by: vBulletin Version 2.0.3
Copyright ©2000, 2001, Jelsoft Enterprises Limited.

Page generated in 0.0678 seconds (92.94% PHP - 7.06% MySQL) with 31 queries
Page Loading Time:

Support Apolyton: Amazon USA | Amazon UK | Amazon DE | Amazon FR |
Support Apolyton and get FREE PLUS, Buy from Chips&Bits: Galactic Civilizations | Galactic Civilizations: Deluxe Edition | Call to Power 2 | Civilization: The Boardgame | GURPS/ Alpha Centauri | Alpha Centauri | Civilization IV | Civilization III: Complete |


Front Page | Civilization IV | Civilization III | Civilization II | Call to Power II | Alpha Centauri | Master of Orion III
Rise of Nations | Galactic Civilizations | Galactic Civilizations II | Misc
Alt.Civs | Civ I | C:CtP I | About | News | Directory | Apolyton Store | Forums | Chat | Columns | Interviews | Newsletter
Scenario League | CSC | Clash of Civs | Spanish Site | CtP Maps | Cradle of Civ | WesW's Ctp1/2 Site | Civ3 Haven

apolyton.net | apolyton.com | civilization2.net | civilization3.net | civilization4.net | civilizationiv.info | calltopower.net | galciv.net | galciv2.net | moo3.net