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    • Paragraph 23 – "standard industry practice" – put this in bold type. They are stupid to rely on this and we might as well carry on emphasising how stupid they are. I wonder why they could even have begun to think some kind of compelling argument – "the other boys do it so I do it as well…" Same with paragraph 26   Paragraph 45 – The Defendants have so far been unable to produce any judgements at any level which disagree with the three judgements…  …court, but I would respectfully request…   Just the few amendments above – and I think it's fine. I think you should stick to the format that you are using. This has been used lots of times and has even been applauded by judges for being meticulous and clear. You aren't a professional. Nobody is expecting professional standards and although it's important that you understand exactly what you are doing – you don't really want to come over to the judge that you have done this kind of thing before. As a litigant in person you get a certain licence/leeway from judges and that is helpful to you – especially if you are facing a professional advocate. The way this is laid out is far clearer than the mess that you will get from EVRi. Quite frankly they undermine their own credibility by trying to say that they should win simply because it is "standard industry practice". It wouldn't at all surprise me if EVRi make you a last moment offer of the entire value of your claim partly to avoid judgement and also partly to avoid the embarrassment of having this kind of rubbish exposed in court. If they do happen to do that, then you should make sure that they pay everything. If they suddenly make you an out-of-court offer and this means that they are worried that they are going to lose and so you must make sure that you get every penny – interest, costs – everything you claimed. Finally, if they do make you an out-of-court offer they will try to sign you up to a confidentiality agreement. The answer and that is absolutely – No. It's not part of the claim and if they want to settle then they settle the claim and don't add anything on. If they want confidentiality then that will cost an extra £1000. If they don't like it then they can go do the other thing. Once you have made the members of suggested above – it should be the final version. court, that I would respectfully requestup but I don't think we are going to make any more changes. Your next job good to make sure that you are completely familiar with it all. That you understand the arguments. Have you made a court familiarisation visit?
    • just type no need to keep hitting quote... as has already been said, they use their own criteria. if a person is not stated as linked to you on your file then no cant hurt you. not all creditors use every CRA provider, there are only 3 main credit file providers mind, the rest are just 3rd party data sharers. if you already have revolving credit on your file there is no need to apply for anything just 'because' you need to show you can handle money. if you have bank account(s) and a mortgage which you are servicing (paying) then nothing more can improve your score, despite what these 'scam' sites claiml  its all a CON!!  
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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
      • 160 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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All I want is my statements to end on the 2nd of each month.

 

Instead I get two pages sent days apart.

 

It seems that when I have generated 25 transactions the statement is sent leaving the remaining days to the 2nd of the month to come later.

 

This make it harder for me to manage my account, less able to compare like with like.

I want to know how much has gone in and come out for the said period, not part of the said period.

 

I spent years deciding to leave Lloyds bank, purely for ethical reasons.

 

However, I had the statements I wanted with them...in Lloyds case up to the 15th of each month.

 

Why can Lloyds do it and not the Co-op.

 

I am told it is their system...so why cant they change their system?

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Got to agree with Ims, if you don't have internet banking, then I would recommend getting it.

No more paper statements if you don't want them and all your info at your fingertips when you want it.

:razz:ALWAYS REMEMBER, IF YOU GOT YOURSELF INTO YOUR SITUATION, YOU ARE MORE THAN CAPABLE OF GETTING YOURSELF OUT OF IT

WITHOUT THE HELP OF THE DCA's!!!!!!!!!!!

 

IF YOU NEED HELP WITH UPLOADING YOUR IMAGES THROUGH PHOTOBUCKET CLICK HERE

IF I HAVE HELPED YOU OR MADE YOU SMILE, PLEASE FEEL FREE TO CLICK MY STAR

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  • 4 weeks later...

Online banking only shows you an online version of what you'd have been sent in the post.

 

The statement frequency is as follows:

Every 25 transactions

(if you have charges or interest) the 5th of each month.

A date you specified.

 

As a result, you could get one statement on the 1st because it's hit the 25 item cap. One more on the 2nd because you asked for it. One more on the 5th if you're utilising an overdraft facility, or went over limit between the 6th of the previous month and the 5th of this month.

 

Online banking will copy the same timescales, but there's no longer wasted paper.

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What I like to see is how much money over a given period has gone in and out....that given period being to the 2nd of each month. Can online banking do that for me? I don't want to get a calculator out. I know Lloyds (who I finally left for the Co-op) is not the most ethical bank in the world, but their customer service does seem better.

Edited by Bethie
I repeated myself
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Online banking only shows you an online version of what you'd have been sent in the post.

 

The statement frequency is as follows:

Every 25 transactions

(if you have charges or interest) the 5th of each month.

A date you specified.

 

As a result, you could get one statement on the 1st because it's hit the 25 item cap. One more on the 2nd because you asked for it. One more on the 5th if you're utilising an overdraft facility, or went over limit between the 6th of the previous month and the 5th of this month.

 

Online banking will copy the same timescales, but there's no longer wasted paper.

 

huh.......online banking shows you realtime spending

 

esp the co-op....

 

call 08457 212212 and ask for it to be set-up for you

please don't hit Quote...just type we know what we said earlier..

DCA's view debtors as suckers, marks and mugs

NO DCA has ANY legal powers whatsoever on ANY debt no matter what it's Type

and they

are NOT and can NEVER  be BAILIFFS. even if a debt has been to court..

If everyone stopped blindly paying DCA's Tomorrow, their industry would collapse overnight... 

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The online banking is as "real time" as you can get without confusing people. The reason why anyone has an issue with the online banking - and i'm being as nice as I can here - is because they don't keep track of their own spending.

 

The ONLY way you can lose out with co-op online banking is by spending money on your card and not keeping note of it. The money won't show online until the day the retailer comes to collect it, which is around 2 or 3 days after the transaction was made. Also weekends and bank holidays are a bad time for many people who tend to forget about direct debits due out on the Monday, and therefore spend the money that should be in for the bill. What happens then, is the bank bounces the bill but it still shows on the screen, making you think you've still got £50 in your account and the £55 direct debit was actually paid.

 

The co-op cannot include outstanding authorisations because of the above reasons, and also because many retailers don't check the account balance before authorising a card payment. It's called a floor limit, and if you spend below it, neither your bank, online banking, nobody can tell you what's due out on your card over the coming days.

 

Cash, funds transfers, standing orders and direct debits are displayed to you in real time, but only if the money is in the account for the latter two.

 

The online banking cannot calculate spending from the 3rd of one month to the 2nd of the next. I'm afraid it's going to be a lot of copy & paste or calculating for you.

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I only ask if online banking can do this for me as people have suggested it can...all I really want is for my paper statement to be as requested, something Lloyds were able to do.

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the co-op online portal unlike the lloyds one

does not let you select a date range

 

dx

please don't hit Quote...just type we know what we said earlier..

DCA's view debtors as suckers, marks and mugs

NO DCA has ANY legal powers whatsoever on ANY debt no matter what it's Type

and they

are NOT and can NEVER  be BAILIFFS. even if a debt has been to court..

If everyone stopped blindly paying DCA's Tomorrow, their industry would collapse overnight... 

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