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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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citi A word of encouragement for citi claimants


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:) I will sort it now.

 

Thanks for letting me know.

Have a happy and prosperous 2013 by avoiiding Payday loans. If you are sent a private message directing you for advice or support with your issues to another website,this is your choice.Before you decide,consider the users here who have already offered help and support.

Advice offered by Martin3030 is not supported by any legal training or qualification.Members are advised to use the services of fully insured legal professionals when needed.

 

 

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I'm currently in the fight with CitiCards, I see from many other threads they have already started to quote their win, in this case.

 

I agree we need to be a bit more carefull in what we post here with you know who watching.

 

Can someone PM me with if there is any news that maybe useful to my case with them.

 

http://www.consumeractiongroup.co.uk/forum/other-institutions/26041-rbphot-citicards.html?highlight=rbphot

 

Thanks

My Cases

 

http://www.consumeractiongroup.co.uk/forum/lloyds-bank/14777-rbphot-lloyds-tsb.html?highlight=rbphot

 

My useful posts

 

http://www.consumeractiongroup.co.uk/forum/general/26095-bank-credit-charges-eec.html?highlight=rbphot

 

;) The Masses Will Always Prevail

 

Rbphot

 

Lloyds TSB, (£2.5k) Data Protection Act-150606, Prelim letter-050706, 2nd LBA-140706, Money Claim submitted 010806(6QZ51069), Claim Agknowledged 040806:D , AQ submited today-070906

Lloyds TSB Amex, (£60) Data Protection Act-150606, 1st LBA-110706, 2nd LBA - 040806, SETTLED 50% of amount.:D

Citi Cards, (£995) Data Protection Act-110706, Prelim letter-210806, LBA - 040906

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  • 2 weeks later...

Hey peeps, any news that you can tell me without giving anything away to these "watchers" . I sent my LBA as suggested and am awaiting a response. Is there anything I should do or know before filing my MCOL?? Can someone PM me if you cannot disclose details to the prying evil eyes of the men in black. These banks are certainly puting up a fight now.

BRING IT ON I SAY!00020059.gif

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You are at an early stage yet......anything you do need will already be here.

Its a little later that perhaps you will need the pms

by which time the info here will be out of date if Citi carry on changing their tacs......:rolleyes:

 

We will of course keep changing ours too.......But at the end of the day they are penalty charges and they are unlawful......its up to Citi to change those !!

Have a happy and prosperous 2013 by avoiiding Payday loans. If you are sent a private message directing you for advice or support with your issues to another website,this is your choice.Before you decide,consider the users here who have already offered help and support.

Advice offered by Martin3030 is not supported by any legal training or qualification.Members are advised to use the services of fully insured legal professionals when needed.

 

 

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Martin you are so mean!!!!! This is like letting me have a christmas pressie to shake and then taking it away and making me wait til christmas!!

 

It's just not in my nature to be kept in the dark. I am not nosey - just interested (wink, wink). Oh well, suppose I will have to go twitch the curtains then and see what the neighbours are upto until I am far along enough with my claim to hear the secrets!!

 

0002006E.gif

 

ok, on a serious note, I totally understand the need to keep your info underwraps and away from the enemy. I bet Citi Love you! Keep up the good work! ;)

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Martin you are so mean!!!!! This is like letting me have a christmas pressie to shake and then taking it away and making me wait til christmas!!

 

It's just not in my nature to be kept in the dark. I am not nosey - just interested (wink, wink). Oh well, suppose I will have to go twitch the curtains then and see what the neighbours are upto until I am far along enough with my claim to hear the secrets!!

 

0002006E.gif

 

ok, on a serious note, I totally understand the need to keep your info underwraps and away from the enemy. I bet Citi Love you! Keep up the good work! ;)

 

 

You are very very nosey........how can I be sure you are not one of Brians informants :o ......the 007 also relates to spy ??????????:rolleyes:

 

In due course Mr Bond ..........in due course........:grin:

Have a happy and prosperous 2013 by avoiiding Payday loans. If you are sent a private message directing you for advice or support with your issues to another website,this is your choice.Before you decide,consider the users here who have already offered help and support.

Advice offered by Martin3030 is not supported by any legal training or qualification.Members are advised to use the services of fully insured legal professionals when needed.

 

 

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0002005F.gif oooh, how spooky! I nearly wrote that I wasn't a spy for the other side but decided to delete it as I thought it might make people wonder! Anyway, gotta go, I have a nice martini waiting for me - it's been shaken not stirred!
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:lol: :lol: :lol:

Have a happy and prosperous 2013 by avoiiding Payday loans. If you are sent a private message directing you for advice or support with your issues to another website,this is your choice.Before you decide,consider the users here who have already offered help and support.

Advice offered by Martin3030 is not supported by any legal training or qualification.Members are advised to use the services of fully insured legal professionals when needed.

 

 

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sorry to barge in but can anyone help me out with my thread below?

i want to get a letter out today but and stumped what to do??

thanks

http://www.consumeractiongroup.co.uk/forum/other-institutions/37327-citi-court-help-urgent.html

Halifax

Settled in Full

Cap One

Settled in Full

Citi Card

Settled in Full

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Just to let everyone know-stage 2 now begins in earnest.There is no point in concealing this from them on here,because they will know in a couple of days anyway when they get the documentation.I have taken advice from a number of quarters,and we are now ready to proceed. I look forward to getting this sorted once and for all!!

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Wahey!!!!!

 

Best of luck....by the way have you noticed the huge increase in Citi claims recently? Seems your case had the opposite desired effect for Citi!

 

Either that or they're all Brian Smith desperate to get some advice lol

 

Zoot

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Just to let everyone know-stage 2 now begins in earnest.There is no point in concealing this from them on here,because they will know in a couple of days anyway when they get the documentation.I have taken advice from a number of quarters,and we are now ready to proceed. I look forward to getting this sorted once and for all!!

 

Good Luck - glad Citi's little game is about to be squashed.

Consumer Health Forums - where you can discuss any health or relationship matters.

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Excellent news - been looking forward to seeing the next eagerly anticipated stage rolling into action!!!

Abbey - Claim 1

full hearing 22 Feb 07 - Settled in full £710 :D

Abbey (Claim 2)

full hearing 22 Feb 07- Settled in full £4000 :D

Abbey (Claim 3)

Court date 27 June -

Capital One (claim 1)

£467 Settled in full 20 Sep :D

Capital One (claim 2)

£72 refunded 19 Aug :-D

Associates (Citicards)

claim 8 Aug/judgment by default 30 Aug/set aside hearing 9 Oct/Stay denied, ordered by Judge to reveal breakdown of charges andfull hearing 24 May/FULL DISCLOSURE ORDERED BY 8 MARCH/JUDGE TO STRIKE OUT DEFENCE AS NON-COMPLIANCE/DEFENCE STRUCK OUT PAYMENT IN FULL REQUIRED IN 14 DAYS

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Yes best of luck to you - dont think its you that needs the luck though! I've sent my prelim off 4 compounded interest, the first of my claims, and will be sending off my mums S.A.R - (Subject Access Request) soon - hers got passed to a DCA after they more than doubled her debt with charges - she paid it all so will be getting a nice windfall back in 2-3 months. was going to leave it and a loan I had with them for a while as have a few kettles on the boil but their cockiness has changed my mind.

 

Look forward to hearing of your victory!

Nikkiandmidgets Vs BOS (3) - S.A.R sent 11/09/06

 

Nikkiandmidgets Vs Capital One (2) - S.A.R sent 11/09/06, Prelims sent 20/10/06, LBA's sent 16/11/06

 

Nikkiandmidgets Vs Citi credit card - S.A.R sent 11/09/06, Prelim sent 9/10/06, LBA sent 28/10/06

 

Nikkiandmidgets Vs Halifax - S.A.R sent 11/09/06

 

Nikkiandmidgets Vs Egg (4) - S.A.R. sent 20/10/06

 

Nikkiandmidget Vs Littlewoods (3) - S.A.R sent 20/10/06

 

Nikkiandmidgets Vs Blackhorse - Prelim sent 20/10/06 requesting £125 charges to be refunded. LBA sent 16/11/06.

 

Nikkiandmidgets Vs Welcome Finance (Macadam Finance) - S.A.R and C.C.A request sent 20/10/06

 

My Mum Vs Halifax - S.A.R sent 11/09/06

My Mum Vs Capital One - S.A.R sent 20/10/06

My Mum Vs Citi - S.A.R sent 20/10/06

My Mum Vs SLC - S.A.R and C.C.A sent 09/10/06

 

Husband Vs BOS (3) - S.A.R sent 20/10/06

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thanks to Empire Strikes Back,I have been alerted to the fact that Citi are sending our personal,court and financial information to other people in an attempt to back up their attempts to deter further litigation.I have concrete proof of this,as ESB has provided this for me.They sent my details to him along with the letter referring to our juduicially mishandled claim.They grovelled to the court for confidentiality as to their charges,and send ours all over the place.The judge concerned has been alerted to this in writing

 

And as Citi are reading,I have alerted as many statutory bodies as possible,as well as Mohammad Sawar MP in order to get them in as much hot water as humanly possible.

 

This leaves us open to ID theft,and I hope Citi get a real good roasting for it!!!

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thanks to Empire Strikes Back,I have been alerted to the fact that Citi are sending our personal,court and financial information to other people in an attempt to back up their attempts to deter further litigation.I have concrete proof of this,as ESB has provided this for me.They sent my details to him along with the letter referring to our juduicially mishandled claim.They grovelled to the court for confidentiality as to their charges,and send ours all over the place.The judge concerned has been alerted to this in writing

 

And as Citi are reading,I have alerted as many statutory bodies as possible,as well as Mohammad Sawar MP in order to get them in as much hot water as humanly possible.

 

This leaves us open to ID theft,and I hope Citi get a real good roasting for it!!!

 

What your details like name address and amount of claim etc - they really need stopping and soon. They think they are invinciable and above the law. Hope they grt a good rap over the knuckles for this.

Consumer Health Forums - where you can discuss any health or relationship matters.

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Thats bad.

 

In addition can add to this that I was sent someone else statements at the SAR stage.

Advice offered by ENRON is without prejudice and is for your judgement as to whether to take it. You should seek the assistance or hire of a solicitor or other paid professional if in doubt.

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In addition can add to this that I was sent someone else statements at the S.A.R - (Subject Access Request) stage.

 

Now that IS unlawful. (they will probably claim - "user training issue")

 

They have a duty of care as a data controller - report them to the IC straight away.

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Advice & opinions of Dave, The Bank Action Group and The Consumer Action Group are offered informally, without prejudice & without liability.

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just subscribing

:-x Royal bank of Scotland :-x

£2391.82 + 8% + legal costs £220.00 = £2911.88

Data Protection Act request - 01/07/06

Prelim Request - 25/07/06

LBA - 08/08/06

Claim filed - 22/08/06

Acknowledged - 25/08/06

Defence filed - 25/09/06

AQ sent 10/10/06

AQ Received by court 12/10/06

Copy of RBS AQ received 14/10/06

Now We Wait ................

 

:-x Capitol One MasterCard :-x

 

Data Protection Act Request - 15/10/06

 

:-xCiti Bank Visa Card :-x

 

Data Protection Act Request - 15/10/06

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