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    • Thank you for that "read me", It's a lot to digest, lots of legal procedure. There was one thing that I was going to mention to you,  but in one of the conversations in that thread it was mentioned that there may be spies on the Forum,  this is something that I've read quite some time ago in a previous thread. What I had in mind was to wait for the thirty days after their reply to my CCA request and then send the unenforceable letter. I was hoping that an absence of signature could be the Silver Bullet but it seems that there are lot of layers to peel on this Onion.  
    • 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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      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.  

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    • 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
        • Like

refused council dilapidated house, intentionally homeless. left to die on streets


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I was offered a house which was in dilapidated condition from the council.

 

At the time an acquaintance tried to sort me out with a shared private let,

rather than move into this house of horrors, but this fell through.

 

The council deemed me intentionally homeless because of this.

I was refused access to my housing officer and refused my right to make a complaint about the property,

at the time when i had to make a decision.

 

I had a couple of days time frame to make this decision.

 

My appeal failed and i was to be cast onto the streets like a leper, but fortunately luck was on my side.

 

An near impossible feat for an unemployed person in Edinburgh,

i found a private let through an x-landlord i was with while i was at university here.

 

So my question is,

 

how long does this unusual punishment last if you are struck of by a council?

 

Is that it for you?

 

are you just left to die on the streets or maybe luckily find a prison cell?

 

https://www.flickr.com/photos/124422960@N08/with/14339100655/

 

some pictures from a temporary accommodation dwelling courtesy of Edinburgh council and associated partners. A few of my holiday snaps

 

heres the house i refused

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I wish i could offer soemthing constructive, but they did similar to me and far worse 9 years ago and not been able to recover since.

 

They not only stole my home and sold it to private developers, they stole most of my possessions and all 'papers'. So no bank account. No benefits. Unable to work. They beat me, Dislocated my back and jaw.....and far worse that I won't go into on a public forum here. It's not just construction workers that get blacklisted by the state- and that was just early stages. They've stolen what should have been the best years of my life anyway and i can't even find out what their names are. They also gang raped the woman who should have been wife.

 

Fact is suspected G-men can do whatever they like with immunity. Epitomised by the fact that they also creep up behind people wearing disguises and shoot them repeatedly in the head.

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Far worse place than the official prisons they put me in for a while......if you are targetted you have no chance and no hope of rebuilding a life for yourself ever again. My prference was to die on the streets.....so still in a kind of prison now with no possibilty of parole. Constant surveillance, constant pain....trouble even walking far and they refuse medical attention even if i was inclined to accept it.

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Would there have been some funds provided to tidy it up a bit ?

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well, remind me not to take you up on that dinner invite conniff. They would have given us £40 to paint citizen b. You can apply to charities for items for the place, but as you can see it is not fit to furnish by a long shot. They wanted to move me straight in there, no warning

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well just shows you the state of this country and the people who run it need to be held accountable. There paying out £700 to £1800 a week to store people in half way houses, while they sold of all the social housing on the cheap and never replaced it. I hardly blame the poor people who have had these circumstance inflicted upon them

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well, remind me not to take you up on that dinner invite conniff. They would have given us £40 to paint citizen b. You can apply to charities for items for the place, but as you can see it is not fit to furnish by a long shot. They wanted to move me straight in there, no warning

 

 

Ah right, I certainly wouldn't want to move in there without it being a bit cleaner that's for sure. But I guess with a bit of paint and elbow grease then it could possibly be made quite comfy!

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Although many people suggest shelter

I have to say I found them a facade with a fancy name.

 

When i became homeless i phoned an 0845 number to get through to them and spent a £10 waiting on the line just to be told they could not help.

 

Theres no point in lying to you, council temp accommodation does make you feel like your on gods waiting table.

If you do find you have no choice but to accept temp accommodation, make sure you speak up if there is any problems.

If you do not officially complain and be articulate about it you will be left there.

 

They do however respond to complaints, and you are most likely going to be served a turkey to begin with. If at council office best to record any meetings on your cellphone so you can refer to things later.

 

They tell you you are not allowed to and will terminate meetings if you admit it,

but it is your personal right to do so for reference purposes and only becomes a crime when passed on to another person.

 

They are notoriously incompetent and corrupt so i suggest you do so. there are also a range of apps for recording incoming phone calls, for samsung it is called a "galaxy recorder".

 

The battle begins when you enter these temp accom places believe me, so prepare yourself.

 

At least this way you can speak with assurance that you know what you are talking about, and if it ever came to a court case you will have cover

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i just can't work this out....looked like i was being 'allowed' to post ok again....but my posts ont his thread are only visible to me after i logged in? they're not there when i'm not logged in...so can anybody else see them? also odd i'm not subscribed to any threads......so looks to me like a corrupted user profile or the general 'fascism' thing again....

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be my guest

 

I am assuming this is in response to my post?

 

Whilst I agree that is disgraceful that any Housing authority would have such properties on their books, If I were desperate for a home, then I would certainly roll up my sleeves !

 

Your video didn't actually show the true state of the place because it was so dark. I noticed that you didn't film the kitchen or go too far into the bathroom.

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the video focuses on the damage, the kitchen and bathroom were new

 

If this is so, then I think a lot of people would have jumped at the opportunity.

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http://scotland.shelter.org.uk/get_advice/how_we_can_help/_free_housing_advice_helpline

 

I am not sure why you spent £10.00 on an 0845 number when their housing helpline is free ?

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3: Feel Bullied by Creditors or Debt Collectors? Read Here

4: Staying Calm About Debt  Read Here

5: Forum rules - These have been updated - Please Read

BCOBS

1: How can BCOBS protect you from your Banks unfair treatment

2: Does your Bank play fair - You can force your Bank to play Fair with you

3: Banking Conduct of Business Regulations - The Hidden Rules

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Advice & opinions given by citizenb are personal, are not endorsed by Consumer Action Group or Bank Action Group, and are offered informally, without prejudice & without liability. Your decisions and actions are your own, and should you be in any doubt, you are advised to seek the opinion of a qualified professional.

PLEASE DO NOT ASK ME TO GIVE ADVICE BY PM - IF YOU PROVIDE A LINK TO YOUR THREAD THEN I WILL BE HAPPY TO OFFER ADVICE THERE:D

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the people who seem to be in control of this forum are petty and have a superiority complexs. They accuse me of not taking advice and reacting negatively to advice, and trying to stifle other peoples opinions, when in fact they close my own threads, and then continue to post on them after i have been denied access. This is the behaviour of a bunch of spoiled school boy

 

well it was not 5 years ago

 

the good Samaritans are an 0845 no now, saw it with my own eyes in the doctors surgery the other day. Good if your feeling suicidal due to benefit cuts eh

 

it does seem that they have now revised there practise and are now using 0808 no which are costly from a mobile but you can download a free app now according to moneyexpert.com

 

it has come to my attention that none of these so called gods of the forum, the chosen ones with such overseeing good advice, have not even attempted to answer my question yet. Instead they have insisted on putting all their energy and resources into demeaning my post, acting like a blue collar gang

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Chris, this isn't about gods or being demeaning. If you're asking for opions and advice sometimes you might not always agree with what comes back. We're not seeking to do anything other than be objective. It's pointless blindly agreeing or sympathising with people when, in reality, it doesn't help.

 

I'm sure someone with the answers to your questions will help - but it seems that you might be best contacting the council and hearing it from them.

My views are my own and are not representative of any organisation. if you've found my post helpful please click on the star below.

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yes but the difference is if you disagree with the admin on this site you get your thread banned while they continue to post on it like a desk top mafia. They are generally demeaning and insulting and if you try and defend your self you get banned. This is a bureaucrats forum, not a consumer action group

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