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    • love the extra £1000 charge for confidentialy there BF   Also OP even if they don't offer OOC it doesn't mean your claim isn't good. I had 3 against EVRi that were heard over the last 3 weeks. They sent me emails asking me to discontinue as I wouldn't win. Went infront of a judge and won all 3.    Just remember the law is on your side. The judges will be aware of this.   Where you can its important to try to point out at the hearing the specific part of the contract they breached. I found this was very helpful and the Judge made reference to it when they gave their judgements and it seemed this was pretty important as once you have identified a specific breach the matter turns straight to liability. From there its a case of pointing out the unlawfullness of their insurance and then that should be it.
    • I know dx and thanks again for yours and others help. I was 99.999% certain last payment was over six years ago if not longer.  👍
    • 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 to that is absolutely – No. It's not part of the claim and if they want to settle then they settle the claim as it stands and don't try 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 amendments suggested above – it should be the final version. court,. 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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    • 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.

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    • 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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Stopped today, Boxing Day


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" and i'll have one last drag, of one last cigarette.

i don't want to die, no not just yet..." (song)

 

had the 'last drag'. now i start (stop). on will power.

:)

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cheers andy

i wasn't really a heavy smoker, but i certainly will be able to take a holiday on it next year:)

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Good luck i gave up back in the summer after 20 years

 

I do not miss it one little bit!! i hate the smell and everything about it most pointless thing

they do say nothing worse than a x smoker

 

keep finding a reason to stay stopped smell money whatever works

 

only thing is food tastes so much better brisk walk with the dog sorts that out!!

If i have helped in any way hit my star.

any advice given is based on experience and learnt from this site :-)

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cheers ihatebailiffs. well done for stopping.

2 days so far, spent the cig money on a bottle of red. :)

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cheers ihatebailiffs. well done for stopping.

2 days so far, spent the cig money on a bottle of red. 'why trust one drug and not the other?' :)

 

When things get bad try the e cig Menthol are good

 

Hated menthol fags but the e cig was ok in menthol

 

Now i hate fags the smell and enjoy being able to breath

 

Keep going it is worth it:-)

If i have helped in any way hit my star.

any advice given is based on experience and learnt from this site :-)

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cheers. know what you mean, taste smell etc already noticing it.

looking at the nhs info; after 24 hrs carbon monoxide leaves body, lungs start to clear mucus. 48 hours nicotine free, improved sense of taste and smell. 2-12 weeks circulation improved. 3-9 months lung capacity improved no coughing weezing etc. 5 years half the chance of heart attack compared to a smoker. 10 years chance of lung cancer half that of a smoker, chance of heart attack now same as someone whos never smoked.

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still going, beer belly growing. talk about nico stains on fingers, got one on a tooth! tastes disgusting! :)

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  • 4 weeks later...

on 4 weeks now, no ciggies (but 2 cigars since, when out on the beers!). ciggies have gone :), trying now not to have any more cigars!

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cheers dpick. it is tough (hence the cigars :) ). still have the cravings, as you know, but hopefully the ciggies have gone for good.

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.....I was a 40 a day man for 22 years......

 

cigs now around 7£ a pack of 20. thats around 100£ per week! 5200£ per year!!!

as you say 'tired', a small fortune

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  • 1 month later...
It only gets easier now

 

dpick

 

hope so. cause it has been, and still is sometimes, tough (and have had a couple of cigars since stop, but not since last time). an e-lite might have to be an option if can't resist a craving! :)

cheers dpick for support. (as an added incentive for myself, will post up every 4 weeks ish for awhile!)

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  • 4 weeks later...
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