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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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      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.

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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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I have my own website and thought it would be nice to be able to suppot this site by placing a banner with a link back to here, I couldn't find a suitable image to use so I knocked a few banners up for you to use. (see the example below)

 

On the banners page there are 4 different banners, and the codes to make them link, with a Target=Blank command (so it opens in a new window) and ALT text. Width and height is included, so just copy the code under the banners and paste it into your HTML editor to add the banner.

 

This site has helped me immensely and I wanted to give something back, so hopefully some of you will do the same. If you do place a banner on your site, please post a link in here so that we can see it in action (and so the site moderators can monitor where it is)

 

PLEASE NOTE: Do not place this banner on adult web sites or sites that could bring the CAG into disrepute (common sense really!)

 

ADMIN: BankFodder has seen and approved this in principle, but please let me know if you want it moved or if u want anything changed. You may want to make this a sticky to help promote it to webmasters...

:-)

 

Best regards,

 

Kris Wilkes

 

 

CAGbanner1.jpg

[FONT=Arial][SIZE=1][COLOR=blue][B][U]HSBC - Claim for £838.50[/U][/B][/COLOR][/SIZE][/FONT] [FONT=Arial][SIZE=1][COLOR=red]OFFER of £754.57 received 9/08/06 - ACCEPTED :-) [/COLOR][/SIZE][/FONT] [FONT=Arial][COLOR=#ff0000][B]£50 Donated to the CAG - Thanks guys![/B][/COLOR][/FONT] [FONT=Arial][SIZE=1][COLOR=blue][B][U]MBNA Credit Card - Claim for £464[/U][/B][/COLOR][/SIZE][/FONT] [FONT=Arial][SIZE=1][COLOR=red][B]06/10/06 - Account credited in FULL £464:D [/B][/COLOR][/SIZE][/FONT] [FONT=Arial][SIZE=1][COLOR=blue][B][U]Capital One Credit Card - Claim for £440[/U][/B][/COLOR][/SIZE][/FONT] [FONT=Arial][SIZE=1]18/09/06 - Offer of £184 as goodwill gesture & increase of interest rates to 35% [/SIZE][/FONT] Currently taking landlord to court for TDS Non Compliance - [URL="http://www.consumeractiongroup.co.uk/forum/residential-commercial-lettings/187545-tds-non-compliance-case.html"]See THIS THREAD[/URL][FONT=Arial][SIZE=1] [/SIZE][/FONT]

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  • 2 weeks later...
Guest Zooman

White Banner - Rounded Edges

 

CAGbanner1.jpg

 

White Banner - Square Edges

CAGbanner2.jpg

 

Black Background Banner

 

CAGbanner3.jpg

 

Square Banner

 

CAGbanner4.jpg

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  • 1 month later...

Are you going to get new banners made up with the new logo on them?

Unfair penalty charges reclaimed from Barclays - £700; BarclayCard - £380 + £132 extra; Style (RBOS) - £245 - County Court Judgement

against RBOS awarded - Judgement transferred to Registers of Scotland - Sheriff Officer (Bailiffs) action taken.

Travel insurance claim with Alpha (URV) pursued through the Financial Ombudsman - £704

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Looks cool.

If you feel that we have helped you, or you would like to help keep this web site running so that others can continue to get their money back, please click the donate button at the top of the forum.

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

Use your own judgment. Seek advice of a qualified insured professional if you have any doubts.

 

------------

 

 

Add me as your friend on FaceBook - I need all the friends I can get :-(

 

http://www.facebook.com/profile.php?id=577405151

 

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Are you going to get new banners made up with the new logo on them?

 

I will knock up a few more banners but we'll keep the existing ones there as they are mainly text and not specific logos. Unless admin wants them removed.

 

Who did the new logo? I wouldn't mind having a copy of the original hi-res artwork to make them from.

 

Cheers

Kris

[FONT=Arial][SIZE=1][COLOR=blue][B][U]HSBC - Claim for £838.50[/U][/B][/COLOR][/SIZE][/FONT] [FONT=Arial][SIZE=1][COLOR=red]OFFER of £754.57 received 9/08/06 - ACCEPTED :-) [/COLOR][/SIZE][/FONT] [FONT=Arial][COLOR=#ff0000][B]£50 Donated to the CAG - Thanks guys![/B][/COLOR][/FONT] [FONT=Arial][SIZE=1][COLOR=blue][B][U]MBNA Credit Card - Claim for £464[/U][/B][/COLOR][/SIZE][/FONT] [FONT=Arial][SIZE=1][COLOR=red][B]06/10/06 - Account credited in FULL £464:D [/B][/COLOR][/SIZE][/FONT] [FONT=Arial][SIZE=1][COLOR=blue][B][U]Capital One Credit Card - Claim for £440[/U][/B][/COLOR][/SIZE][/FONT] [FONT=Arial][SIZE=1]18/09/06 - Offer of £184 as goodwill gesture & increase of interest rates to 35% [/SIZE][/FONT] Currently taking landlord to court for TDS Non Compliance - [URL="http://www.consumeractiongroup.co.uk/forum/residential-commercial-lettings/187545-tds-non-compliance-case.html"]See THIS THREAD[/URL][FONT=Arial][SIZE=1] [/SIZE][/FONT]

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Hi

Is it possible to have a button 88x31 please? I've added you to my links section but the current banner looks a bit squashed due to the resizing of it

 

cheers

Ally

26/07/06 S.A.R Request sent to Halifax for single and joint account

 

charges so far

single account £695

joint account £1473

 

Request for charges back joint account sent 18/09/06

no action taken on single account yet!!

 

LBA on joint Acc Sent 9/10/06

partial acceptance for £376 included with LBA - Refused By Bank!!!

 

2nd Jan 2007 SETTLED IN FULL

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I'm on it now.

 

OK, try these:

 

CAG88x31.gif

 

CAG88x31blue.gif

[FONT=Arial][SIZE=1][COLOR=blue][B][U]HSBC - Claim for £838.50[/U][/B][/COLOR][/SIZE][/FONT] [FONT=Arial][SIZE=1][COLOR=red]OFFER of £754.57 received 9/08/06 - ACCEPTED :-) [/COLOR][/SIZE][/FONT] [FONT=Arial][COLOR=#ff0000][B]£50 Donated to the CAG - Thanks guys![/B][/COLOR][/FONT] [FONT=Arial][SIZE=1][COLOR=blue][B][U]MBNA Credit Card - Claim for £464[/U][/B][/COLOR][/SIZE][/FONT] [FONT=Arial][SIZE=1][COLOR=red][B]06/10/06 - Account credited in FULL £464:D [/B][/COLOR][/SIZE][/FONT] [FONT=Arial][SIZE=1][COLOR=blue][B][U]Capital One Credit Card - Claim for £440[/U][/B][/COLOR][/SIZE][/FONT] [FONT=Arial][SIZE=1]18/09/06 - Offer of £184 as goodwill gesture & increase of interest rates to 35% [/SIZE][/FONT] Currently taking landlord to court for TDS Non Compliance - [URL="http://www.consumeractiongroup.co.uk/forum/residential-commercial-lettings/187545-tds-non-compliance-case.html"]See THIS THREAD[/URL][FONT=Arial][SIZE=1] [/SIZE][/FONT]

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those are brilliant thanks loads - I have over 400 members on my main site and I'm sure a few of them will be paying a visit here

 

ally

xx

26/07/06 S.A.R Request sent to Halifax for single and joint account

 

charges so far

single account £695

joint account £1473

 

Request for charges back joint account sent 18/09/06

no action taken on single account yet!!

 

LBA on joint Acc Sent 9/10/06

partial acceptance for £376 included with LBA - Refused By Bank!!!

 

2nd Jan 2007 SETTLED IN FULL

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  • 6 months later...

Is there an up-to-date 234x60 banner available?

 

My website gets >10,000 unique visitors per month and I'd like to help. For obvious reasons I'm not going to name the site here, as it would destroy my anonimity, but if Admin or Mods need to know more please feel free to PM. :)

  • Barclays: WON!!! It took four months but was totally worth it!
  • Cabot: I'm still waiting for an enforcable agreement, more than a year after requesting it. Go on, Uncle Ken, take me to court if you dare. You know you want to!
  • Elephant.co.uk: VICTORY - they admitted there was no debt!
  • Ashbourne Management (gym membership): Finally got my default removed and out-of-court settlement; I'm not finished with them yet!

<--- If I've been helpful please remember the scales ;)

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  • 2 months later...
  • 4 months later...

I would be more than happy to post links to this forum on my website - it draws mainly Americans but does have it's fair share of British visitors. If admin/management want to know more before I place the button then please do not hesitate to contact me. :)

"Never annoy a redhead - especially when she's a member of CAG!"

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Very happy that you place links to us. We have even had some American media take interest what we are doing, so although we can't help the Cousins directly, maybe our own experience can help.

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I'm more than happy to place links on all my sites. My main site is the biggest one of it's kind on the net and draws a lot of attention from film companies, American media/magazines/newspapers et al - I'm currently advertising a book for an American author! LOL Any chance of some bigger buttons/banners?

"Never annoy a redhead - especially when she's a member of CAG!"

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  • 2 years later...

Hi,

 

What's the situation with advertising CAG on web sites these days?

 

Regards,

 

Bosun.

Please note: I have no formal qualifications in this area and any advice offered is given in good faith. :)

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Hi Sequenci,

 

I was thinking more along the lines of advertising CAG on contributors websites. I run a couple and though I don't get mega hits at least CAG would have a a bit of free advertisement.

 

Also tried to PM bankfodder, came across a thread by bankfodder about generating donations but could not find it again. Unfortunately his mailbox was full.

I'd be quite happy to set up a Standing Order for say £5 per month. It's not a lot, but would be easier for me at the moment than giving a lump sum, and there would be no rake-off for the likes of paypal.

 

Regards,

 

Bosun.

Please note: I have no formal qualifications in this area and any advice offered is given in good faith. :)

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  • 3 months later...
  • 1 year later...
  • 2 months later...

i like this site! i wish i had found it some time ago... i will also place links from my website to this

 

are there any banners people can use? eg, some banners with code people can simply copy and paste the code to their own websites, blogs, profiles, signatures etc etc...

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  • 3 weeks later...

Are there no grants or funding that this kind of site can get? Could you partner with CAB? Register as a charity?

 

I've only recently found this site, but I'm ridiculously impressed with the breadth of topic covered and how helpful people are voluntarily. :)

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