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    • Hello, I wasn't able to update the defence, so they got the daft one.  Pra Group have responded dated 25th April saying they intend to proceed with claim. I have also received a stack of documents, similar to last time - print outs of old statements, but this time around they have send me a copy of the Barclay Card Conditions. Unsigned and dated. The address is an old address.  A consumer credit agreement with current address. Pages of it and no signature. I have uploaded onto a PDF what I have. The CCA agreement looks like a generic print out, I5 pages + long, I've included the 1st page that had my details on (redacted) don't know if its necessary to upload all of it.  Barclays 26042024.pdf
    • I suggested consideration of bankruptcy some years ago. It was not well received.
    • That is a superb WS. However, I have a few tweaks to suggest. In (2) "indicating" not "indication". I think to be consistent with your numbering, in (6) the Beavis case should be EXHIBIT 2. Do you really need to include over 100 pages of Beavis?  I think that would be likely to annoy the judge.  Just try and find the bit where they decide it was not a penalty due to having an interest in limiting the time that vehicles can stay. I'll have a look myself for this bit later as it's highly likely to be in WSs from PPCs who think that that paragraph means all their charges are valid always on every occasion. After your current (7) add this.  It's always useful to refer to a judgment when making a legal point - 8.  In the case PCM vs Bull, Claim No. B4GF26K6, where the Defendant was issued parking tickets for parking on private roads with signage stating “No parking at any time”, District Judge Glen in his final statement mentioned that: “the notice was prohibitive and didn’t communicate any offer of parking and that landowners may have claim in trespass, but that was not under consideration”.   In (14) if my maths are right the CPR request should be "EXHIBIT 3".  it is missing from your list of exhibits. In (16) the two figures should be £100 and £170.  They are entitled to increase fro,m £60 to £100, they are not entitled to increase to £170.  To make it clear for the judge I would write - 16. The Claimant has artificially inflated their claim for a £100 invoice to £170. This is simply a poor attempt to circumvent the legal costs cap at small claims. 17. The Claimant has also invented a second fictitious charge, for legal representative's costs, when they have no legal representative. You also need ot number your exhibits. The rest is excellent - well done.
    • Did you ever think of walking away? Become bankrupt and in 12 months it'll all be behind you. My feeling is that you may well get nothing from the sale of the property anyway. Going by the date this thread started it looks like eight years of arrears, lender's costs and receiver’s fees on top.
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    • 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
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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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Hi everyone. I am a keen gardener but fedup of paying ridiculous amounts at garden centres etc so now I save all toilet/kitchen rolls Cut toilet roll in 1/2 kitchen roll in 1/3's. Fill with seed compost (make sure you fill them on a flat surface lol) pack it well then plant a seed (collected from last years plant) and hey presto free containers. Then you can plant full thing without disturbing roots etc.

Also made a fabulous scarecrow from old coke bottles and thee plastic large plants pots.:-)

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all dog owners please be advised if you have slug/snails do no let you dogs near them,they can kill your dog.More advice can be found by googling slug/snal and your dog.I have to watch my dog as he loves picking up sticks when out and about and of course they are sometime covered in slugs/snails.

R.I.P my beautiful grey ghost, gone but never forgotten, taken so suddenly, 04/07/2004 ~ ~ 02/03/2017

Gone but never forgotten,Little Miss Sunshine, Alisha Marie. 15/12/2005 ~ ~ 13/02/2006

Our  beloved Dalmatian Jazz,  gone to join Wal at Rainbow Bridge, hope you are now pain free .  20/9/2005 ~ ~ 24/3/2019

 

 

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all dog owners please be advised if you have slug/snails do no let you dogs near them,they can kill your dog.More advice can be found by googling slug/snal and your dog.I have to watch my dog as he loves picking up sticks when out and about and of course they are sometime covered in slugs/snails.

 

I just heard about that from our vet, sounds nasty. She said there is a combined flea/lungworm treatment, I think it's a spot on, that you can use regularly if your dog is prone to eating slugs and snails.

 

Apparently this problem has been on the south coast for a while but is now spreading to other parts of the country.

Illegitimi non carborundum

 

 

 

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There is a tv and radio advert about it at the moment,well is in our area,not good but apparently if you get your dog to a vets quickly they can be saved

R.I.P my beautiful grey ghost, gone but never forgotten, taken so suddenly, 04/07/2004 ~ ~ 02/03/2017

Gone but never forgotten,Little Miss Sunshine, Alisha Marie. 15/12/2005 ~ ~ 13/02/2006

Our  beloved Dalmatian Jazz,  gone to join Wal at Rainbow Bridge, hope you are now pain free .  20/9/2005 ~ ~ 24/3/2019

 

 

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  • 2 months later...
Hi everyone. I am a keen gardener but fedup of paying ridiculous amounts at garden centres etc so now I save all toilet/kitchen rolls Cut toilet roll in 1/2 kitchen roll in 1/3's. Fill with seed compost (make sure you fill them on a flat surface lol) pack it well then plant a seed (collected from last years plant) and hey presto free containers. Then you can plant full thing without disturbing roots etc.

Also made a fabulous scarecrow from old coke bottles and thee plastic large plants pots.:-)

 

Here's another little tip I learnt from my grandfather. If your soil isn't great, plant some spuds in it. Spuds self-fertilise the ground. Also, don't buy seed potatoes unless you really need to. I buy spuds by the sack. By the time I get to the bottom they are often starting to sprout. Just plant those.

Jeremy

 

Computer Problems? Give me a shout...

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Is it really gonna work? Okay I will try and will let you know. I love gardening but some times when I don't see the results as I want to I think to give up.:sad:

 

Ye, you just have to be patient. Thats the thing about gardening, sometimes it can be years until you see your results.

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  • 3 weeks later...
Here's another little tip I learnt from my grandfather. If your soil isn't great, plant some spuds in it. Spuds self-fertilise the ground. Also, don't buy seed potatoes unless you really need to. I buy spuds by the sack. By the time I get to the bottom they are often starting to sprout. Just plant those.

 

Thanks for the tip. I might actually do that.

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