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    • Lolerz - I don't understand you.  Rebuked you?   No. I simply replied to your orange comments with legal facts as I know them.  I've already worked through the s42 and s146 issues - over the last 3-4y - and these issues are (mostly) resolved legally.  In terms of posting evidence.  Sure I can post some.  But my most recent questions have been a) how can I enforce a sale before trial?  And b) how can I make a complaint and/or a claim v receiver? (E.g. to which body do I complain?).  At the mo I'm asking for some helpful pointers on those specific questions??  I'm not asking for help with how to prove or present evidence. Fwiw - all evidence for trial has been disclosed (although additions are poss). The lender sent me like 10,000 emails and docs.  There's also 000s of emails, docs, photos, videos, recordings and texts that relate to freeholders/ me.   I read, filed and categorised everything for ease of future reference.  Witness statements and evidence were prepared for trial in the 42 and 146 matters. (now joined with current claim to save duplication).  I've lived the process before.  My current statement and linked evidence has taken like 6 months to draft/ write - to ensure I can succinctly prove my defence and counterclaim points.   Whether I can convince a judge at trial w/o lawyer / barrister is debatable 🙄   But I've prepared.  And continue to try better prepare - which is why I visit this site (and clinics).  This is NOT my business or expertise at all.  I'm just trying.  Not that anyone should ever have to justify why they need help if they ask politely! 
    • Thanks for the other info will also take a look at that.
    • It doesn't use the word reconstructed in the cover letter.  Although, I have just noticed on the cover letter they have asked me to complete a financial statement and offer a repayment within the next 10 days, or they will continue to follow court directions.  They sent a separate letter on the same day advising me they will be continuing with their claim ?  They have done the same for both claims.  Is it worth just doing that - doing the financial breakdown and offering a x amount.    
    • hahah except I can't locate the courier to frighten them with it hahaha   
    • Dx100uk according to the ICO office, who I spoke to at some length earlier today after getting the email from the court, Equita are the data controller if they have instructed the contracted EA. The ICO have noted the case, and stated very clearly that the court has the higher standing in terms of dealing with, and punishing either party if they fail to adhere to the district judges order and any action they take will not be criminal.    but they also stated very clearly that with what I’ve told them, and on the basis of accepting what I’ve told them as gospel (which it is with written confirmation from both the courts and the police) then there is some major red flags being raised on both sides with them blaming each other.    they’ve advised me to essentially keep my powder dry until there is a charging decision and an outcome from the seperate proceedings with the EAC2 complaint, and then come back to them with the case and they will be in a stronger position to act against Equita and the EA as there will be established facts and evidence that have already been laid before a court.     
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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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NZ has very right wing PM John Keys, who is a personal friend of David Cameron. Lets just hope that Cameron does not get any ideas.

We could do with some help from you.

PLEASE HELP US TO KEEP THIS SITE RUNNING EVERY POUND DONATED WILL HELP US TO KEEP HELPING OTHERS

 

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I think the vast majority pay fairly quickly. Whilst I don't have any figures to back this up, I imagine the percentage of willful, determined non-payers are small. Personally I would have no issue with that approach being taken over here.

 

When I had bailiffs on my back I did everything possible to repay and I succeeded eventually, despite their underhand tricks. Similarly with debts I am trying my best to repay, but I'm a 'Can't get blood out of a stone' situation.

 

I see no reason why I (and many others like me) should struggle to pay off their dues while a percentage get away with just not bothering.

 

For the record I claim no benefits, but would be better off if I could (caught in what economists call the poverty trap). I am disabled and have serious and permanent mental health problems. There is no doubt whatsoever about my extreme vulnerability.

 

If I can do it, I'm sure others can. Like me, they may need help in organising things, or even POA's put in place to enable this to happen.

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No doubrt the BPA and Parking Eye would love that sanction to be extended to their speculative invoices, the removal of Driving License sanction is already here, as CSA can do it against a parent who won't pay up I believe

We could do with some help from you.

PLEASE HELP US TO KEEP THIS SITE RUNNING EVERY POUND DONATED WILL HELP US TO KEEP HELPING OTHERS

Have we helped you ...?         Please Donate button to the Consumer Action Group

If you want advice on your thread please PM me a link to your thread

The bailiff: A 12th Century solution re-branded as Enforcement Agents for the 21st Century to seize and sell debtors goods as before Oh so Dickensian!

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No doubrt the BPA and Parking Eye would love that sanction to be extended to their speculative invoices, the removal of Driving License sanction is already here, as CSA can do it against a parent who won't pay up I believe

 

They would have to step over my dead body first !!!

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What would happen in the UK if we took the view of what New Zealand has done

read here

http://www.scoop.co.nz/stories/PA1407/S00291/fine-dodgers-paying-up-to-avoid-driving-ban.htm

 

I think it is an excellent idea if implemented properly and any one ignoring a ban should be jailed. However bailiff costs should be fixed.

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If Dodgy Dave and Failing Grayling attempted to introduce such a measure in the UK, any such measure would have to be done by use of a Substitution Order and exclude decriminalised local authority PCNs. If it was implemented without the sanction of the court that imposed the original fine, I suspect it would be unlawful. The Tories have form for changing the law to make it fit their law-breaking and breaking the law. Lord Michael Howard was found guilty of acting unlawfully, whilst Home Secretary, on at least seven occasions. Not a good example to set.

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There are already 2 million people drivng around without a licence or insurance and there has been little reduction in that since the passing of new laws regarding SORN's etc. If you bring out laws that are draconian the penalty for breaking the law becomes less of a threat and so loses its deterrence, a reverse of what was intended. So, introduce hanging for parking offenders and all of the traffic wardens will be murdered becuse you only get about 8 years in prison for that. No parking wardens, no enforcement of parking offences so no-one liable to hanging but a massive increase in the crime rate, the reverse of what was intended.

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There are already 2 million people drivng around without a licence or insurance and there has been little reduction in that since the passing of new laws regarding SORN's etc. If you bring out laws that are draconian the penalty for breaking the law becomes less of a threat and so loses its deterrence, a reverse of what was intended. So, introduce hanging for parking offenders and all of the traffic wardens will be murdered becuse you only get about 8 years in prison for that. No parking wardens, no enforcement of parking offences so no-one liable to hanging but a massive increase in the crime rate, the reverse of what was intended.

 

I would take anything the insurance industry says with a lorryload of salt. Even the police admit they have seized vehicles on the say-so of some insurance company drone, only to find out later that the insurance company had blundered, making the police look incompetent and bullies.

 

I have spoken to the ICO about such blunders by insurance companies and they have informed me they have no qualms about fining them. However, they do need more motorists to tell them what is going on. Given the ICO can impose a fine of up £500,000, the more motorists who shop insurers to the ICO, the more the buggers will be fined.

 

The politicians are dancing not to the tune of the electors, but that of the bankers, insurers and major corporations who have utter contempt for the law and rule of law and will say and do anything to further their quest for profits and power and have no qualms who they trample over or kill to do so. It is for us, the people, to stand up to them and say "No. Enough is enough," and hold those who are supposed to act as a safety barrier against corporate abuse of power to account and insist they do their job as we, the people, tell them.

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