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    • Hi, I'd change justice centre to county court. I also wouldn't be including a telegraph article in the bundle. It doens't prove anything law and you don't have distribution rights on it. I also wouldn't personally break down the exhibits on the index page, normally people have a seperate page for this right before the exhibits. The main index page normally just says Exhibits to WX of [Your Name] or at least that's the format I use/see people here use, although really it makes minimal difference.   I also see that despite referencing several judgements you haven't included the EVRi one   paragraph 46 really needs to go imo it has nothing to do with anything. Your in court to apply the law to your case, not to tell the judge about a newspaper that means nothing to your claim.   I also see you've adopted the issues in dispute/not in dispute, which is also known as a scott schedule. if you are taking this approach, for things not in dispute I would say this needs to be things that are agreed between parties, not things like "There is no dispute that I am happy to supply all this evidence which is included in the court bundle." I would say that issues in dispute is to focus on the aspects of the claim that are in dispute, such as whether liability is limited by insurance or not, so I'd be changing that accordingly.   BF should be along shortly to advise on things.
    • J, I just numbered them like that; once the witness statement is made, I'll add it to the pages.   The court date has been set as 02 July 2024. Please find attached V6. I will send an unredacted to the email.  claim budle_V6.pdf
    • I'm afraid that I have tried downloading it three times and each time I am getting an error message. Would you mind scanning it again please and uploading it again. I understand that JK has managed to open it but others may not. Thanks
    • I can see that.   In this case, I'd email both that receipt and your tracking label to evri's small claims email and say that is the information you have.   They'll figure it out from there I'm sure
  • Our picks

    • If you are buying a used car – you need to read this survival guide.
      • 1 reply
    • 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
      • 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

First step Finance - **BANNED DIRECTORS STOLE +£6M**


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The Financial Conduct Authority replaced the OFT in April 2014.

 

Fleeing to Spain may not have been a good move, with European Warrants being available to the UK authorities now.

Any Letters I Draft are N0T approved by CAG and no personal liability is accepted.

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Oh I didn't know they had a new title, as usual nothing gets past me;o)

I have just been using the contacts there I have had since last year but I will call them and talk to them, just to see what they can advise.

 

Re. that family, lets hope they get their comeupance, I realised they were dodgy in their handling of my account but I never imagined they were this bad.

Nancy

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Bluestone Claims of Stockport I believe is also part of this disgraceful lot.

They were also talking about FSF and the rest on Moneybox on Radio 4 this lunch time.

Administrators said they have a lot to go through re the trading of FSF and the rest.

DG

I have no legal training my knowledge comes from my personal life experiences

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Well I just got a txt from +44 7860 035861:

 

''BEGBIES appoint PLATINUM MANAGEMENT the official financial solutions provider for DEBT HELP & ADVICE customers.

Reply HELP for an Advisor to call you tomorrow.''

So they are using FSF contact base in double quick time...I think someone should tell them that a lot of these people would be very happy to get a call from one of their advisors, regarding all the money they are owed from FSF !!!!!! Are they stupid ????

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that's is truly disgusting

 

bit like our mate from Link.

 

dx

please don't hit Quote...just type we know what we said earlier..

DCA's view debtors as suckers, marks and mugs

NO DCA has ANY legal powers whatsoever on ANY debt no matter what it's Type

and they

are NOT and can NEVER  be BAILIFFS. even if a debt has been to court..

If everyone stopped blindly paying DCA's Tomorrow, their industry would collapse overnight... 

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Yes she should and all their assests taken as it seems the whole family is involved.

I personally thank my lucky stars everyday DD but mainly I thank Bane of Banks, Lord Tiger Putin, Diamond Girl and a couple of people who helped me, inc the OFT.

I would be sat here over 8k poorer if I hadn't realised in time started to pursue things and I just couldn't have done it by myself.

They really should be jailed as they really do destroy peoples lives and I hear a lot of the staff have been screwed too which is a disgrace, as they were only doing their jobs.

Terrible business

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The whole family should be they are all involved in it one way or another, sisters, aunts, uncles, sons and daughters and the others who just changed the name are as bad as they knew exactly what was going on

I have no legal training my knowledge comes from my personal life experiences

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From the FCA: http://www.fca.org.uk/news/debt-help-advice-first-step-finance-customers-stop-payments

 

Debt Help & Advice Ltd and First Step Finance Ltd have stopped trading and been placed in administration. Debt management customers should stop making payments to these companies and Primary Business Solutions Ltd.

 

If you have a debt management plan with Debt Help & Advice, First Step Finance or Primary Business Solutions you should stop making payments to the company immediately. You may have to contact your bank to ensure these payments are stopped.

 

Read more at the above link

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I cannot give any advice by PM - If you provide a link to your Thread then I will be happy to offer advice there.

I advise to the best of my ability, but I am not a qualified professional, benefits lawyer nor Welfare Rights Adviser.

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From the FCA: http://www.fca.org.uk/news/debt-help...-stop-payments

 

Debt Help & Advice Ltd and First Step Finance Ltd have stopped trading and been placed in administration. debt managementlink3.gif customers should stop making payments to these companies and Primary Business Solutions Ltd.

 

If you have a debt managementlink3.gif plan with Debt Help & Advice, First Step Finance or Primary Business Solutions you should stop making payments to the company immediately. You may have to contact your bank to ensure these payments are stopped.

 

Read more at the above link

Edited by citizenB

please don't hit Quote...just type we know what we said earlier..

DCA's view debtors as suckers, marks and mugs

NO DCA has ANY legal powers whatsoever on ANY debt no matter what it's Type

and they

are NOT and can NEVER  be BAILIFFS. even if a debt has been to court..

If everyone stopped blindly paying DCA's Tomorrow, their industry would collapse overnight... 

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

Uploading documents to CAG ** Instructions **

Looking for a draft letter? Use the CAG Library

Dealing with Customer Service Departments? - read the CAG Guide first

1: Making a PPI claim ? - Q & A's and spreadsheets for single premium policy - HERE

2: Take back control of your finances - Debt Diaries

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

4: BCOBS and Unfair Treatment - Common Examples of Banks Behaving Badly

5: Fair Treatment for Credit Card Holders and Borrowers - COBS

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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  • 1 month later...

nancysmile.

 

I have unapproved your post for the following reasons.

 

1: It is a commercial site - we cant just go hoovering up statements from their site without permission

2: We do not permit 100% copy and paste from other sites in any case.. link and 15% quote

3: The FCA will no doubt be updating their site with any information that people will require.

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

Uploading documents to CAG ** Instructions **

Looking for a draft letter? Use the CAG Library

Dealing with Customer Service Departments? - read the CAG Guide first

1: Making a PPI claim ? - Q & A's and spreadsheets for single premium policy - HERE

2: Take back control of your finances - Debt Diaries

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

4: BCOBS and Unfair Treatment - Common Examples of Banks Behaving Badly

5: Fair Treatment for Credit Card Holders and Borrowers - COBS

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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No worries.. just didnt want you to panic about a missing post ! :)

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

Uploading documents to CAG ** Instructions **

Looking for a draft letter? Use the CAG Library

Dealing with Customer Service Departments? - read the CAG Guide first

1: Making a PPI claim ? - Q & A's and spreadsheets for single premium policy - HERE

2: Take back control of your finances - Debt Diaries

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

4: BCOBS and Unfair Treatment - Common Examples of Banks Behaving Badly

5: Fair Treatment for Credit Card Holders and Borrowers - COBS

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 administrators report which can be found on the companies house website is damning

 

- apparently it had been going on for years

 

they stole systematically every penny paid in by clients,

 

they lied to the regulators and then the guy who "bought it" didn't in fact do anything and

 

he had known what they were up to for at least 3 years

 

They funded their son in The Debt Professionals and their 3 children as shareholders in Pick a Pay Day and

 

they still own a business that their son runs which hasn't been mentioned anywhere

 

Christine Whitehurst owns Bluestone Claims Limited and funded it,

 

her son is the MD her daughter,

 

and sister work there

 

and her husband is the marketing consultant

 

:mad2::mad2::mad2:

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  • 2 years later...
I hope they go to jail for what they have done

 

I have just been sent this if anyone is interested. Its from last July

 

https://www.gov.uk/government/news/debt-management-directors-disqualified-for-taking-client-funds

 

I hope it is OK to post this

 

.......and here is an article about the son

 

https://www.thesun.co.uk/news/2626127/hollyoaks-star-nikki-sandersons-businessman-boyfriend-in-government-probe-over-his-ppi-compo-firm/

Avoid these lowlifes

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All fee paying DMPs are the same

Most are run by ex dca staff or their mates

please don't hit Quote...just type we know what we said earlier..

DCA's view debtors as suckers, marks and mugs

NO DCA has ANY legal powers whatsoever on ANY debt no matter what it's Type

and they

are NOT and can NEVER  be BAILIFFS. even if a debt has been to court..

If everyone stopped blindly paying DCA's Tomorrow, their industry would collapse overnight... 

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  • 7 months later...

Well here at last

 

The Financial Conduct Authority (FCA) has today banned Adrian and Christine Whitehurst, former directors of debt management firm First Step Finance Limited (now dissolved), for dishonestly misappropriating client money.

Over 4000 customers lost a total in excess of £6m as a result of their actions.

Between them, the Whitehursts ran First Step Finance, a debt management company licensed by the Office of Fair Trading (OFT) from 2007 to 2013, until the OFT revoked First Step’s licence taking effect in October 2013.

 

 

The OFT found that First Step had deceitful, oppressive, improper and unfair business practices.

 

 

The FCA took over the regulation of consumer credit in April 2014 and has now banned the Whitehursts from any involvement in regulated financial services activity.

 

 

The FCA has also referred the Whitehursts to the City of London Police, who are considering the matter.

 

First Step’s clients were largely vulnerable individuals who went to the firm for help to pay off their debts.

The firm told customers that it would build a ‘pot’ of money for each customer and that it would use this ‘pot’ to make a full and final settlement of their debts with the customer’s creditors.

 

 

First Step received monthly payments from their customers, who were told that the money would be held in a ring-fenced account (as required by the OFT).

 

However, the Whitehursts in fact used clients’ money to fund their businesses and a luxurious lifestyle.

 

 

They spent over £500,000 on holidays, bars and restaurants,

including stays at five-star luxury hotels in Marbella, Venice, Vienna and Greece;

over £200,000 on luxury motor vehicles, including a Bentley, a Range Rover and a Ducati;

and significant sums on luxury brands, including goods from Hermes and Louis Vuitton.

Over £1m of cash was transferred to Mr Whitehurst for his personal use.

In addition, over £1m of client money was used for the benefit of firms associated with the Whitehursts

and over £2.2m of client money was used to fund First Step’s expenses.

 

https://www.fca.org.uk/news/press-releases/fca-bans-debt-management-couple-misappropriating-client-money

adrian-whitehurst-2017.pdf

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truly a disgusting pair

 

lets hope the police seize assets and these poor debtors get something back

or atleast get their debts wiped..

 

I bet 99% of the debts are with DCA's anyway and are totally unenforceable anyway.

 

great work Nancy

please don't hit Quote...just type we know what we said earlier..

DCA's view debtors as suckers, marks and mugs

NO DCA has ANY legal powers whatsoever on ANY debt no matter what it's Type

and they

are NOT and can NEVER  be BAILIFFS. even if a debt has been to court..

If everyone stopped blindly paying DCA's Tomorrow, their industry would collapse overnight... 

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