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    • The firm has benefited from the AI boom, making it the third-most valuable company in the US.View the full article
    • Former billionaire Hui Ka Yan has been fined and banned from the financial market for life.View the full article
    • In terms of "why didn't I make a claim" - well, that has to be understood in the context of the long-standing legal battle and all its permuations with the shark. In essence there was a repo and probable fire sale of the leasehold property - which would have led to me initiating the complaint/ claim v SPF in summer 19. But there was no quick sale. And battle commenced and it ain't done yet 5y later. A potential sale morphed into trying to do a debt deal and then into a full blown battle heading to trial - based on the shark deliberately racking up costs just so the ceo can keep the property for himself.  Along the way they have launched claims in 4 different counties -v- me - trying to get a backdoor B. (Haven't yet succeeded) Simultaneously I got dragged into a contentious forfeiture claim and then into a lease extension debacle - both of which lasted 3y. (I have an association with the freeholders and handled all that legal stuff too) I had some (friend paid for) legal support to begin with.  But mostly I have handled every thing alone.  The sheer weight of all the different cases has been pretty overwhelming. And tedious.  I'm battling an aggressive financial shark that has investors giving them 00s of millions. They've employed teams of expensive lawyers and barristers. And also got juniors doing the boring menial tasks. And, of course, in text book style they've delayed issues on purpose and then sent 000's of docs to read at the 11th hour. Which I not only boringly did read,  but also simultaneously filed for ease of reference later - which has come in very handy in speeding up collating legal bundles and being able to find evidence quickly.  It's also how I found out the damning stuff I could use -v- them.  Bottom line - I haven't really had a moment to breath for 5y. I've had to write a statement recently. And asked a clinic for advice. One of the volunteers asked how I got into this situation.  Which prompted me to say it all started when I got bad advice from a broker. Which kick-started me in to thinking I really should look into making some kind of formal complaint -v- the broker.  Which is where I am now.  Extenuating circumstances as to why I'm complaining so late.  But hopefully still in time ??  
    • At a key lecture in the City of London, the shadow chancellor will also vow to reform the Treasury.View the full article
    • Despite controversy China's Temu is becoming a global online shopping force.View the full article
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    • 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 
        • 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
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home repossession and effects on health


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Great thread. This goes out to all, don't worry about what they throw at you, it never stands up! think that your the first of your generation to do your best for your future generations, in 200yrs will any of todays matters be an issue? if anyone has question, thought or worry...please ask, I have a few good tips to help.

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Update from me, I have put my case to the FSA, three days before the 3 month break finishes from when Paratus start chasing again - so I can just do a one line letter stating case with FSA and give them the reference no.

 

FSA seem to think that giving me a 'rebate' without a breakdown is enough to go by, let alone the problems with getting information out of them, and their blatant lies in the letters they have written.

 

Sorry to hear about the loss of your cat, the loss of a pet can be very hard to take - hope things pick up soon.

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Hi Tuttle,

in 200 years time eh, I'm a family historian and it's of great interest to me what went on 200 years ago I'm one of those strange people who think a step backwards is progress :lol: thank you for the offer of support it's appreciated.

 

xxxxxRo

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FSA seem to think that giving me a 'rebate' without a breakdown is enough to go by, let alone the problems with getting information out of them, and their blatant lies in the letters they have written.

 

Hi SG,

oh I really wish you well with this one, lies seem to be the done thing with these people and none of them willingly give up information,

 

good luck

Ro

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Got the FSA forms today, going to do a draft before I send them off, have dug out and copied the correspondence, and will do a cover sheet showing where they contradict what they are doing (including immediately taking me to court in one letter) and their statement that they did not repo me, the second charge one did some 6 months BEFORE they took over...haven't had any letter from them yet but have the reference no to pass onto them to shut them up for another 3 months or so.

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i've cleared my nram, today the solicitors sent a CC date, what a bunch of bullies! i'm going to continue the fsa, trading standards and fos route, because of health and family issues that effect people in the UK. Lets put a stop to these tactics, I know that some peoples 2/3 months arrears are alot, but i bet some are next to nothing for struggling familes who can't pay, why is there blanket treatment?

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Hi tuttle,

bullying seems to be second nature to these people and I admire you for taking a stand and you are right debt has to rank as one of the most destructive things that a family can have to deal with. I suspect that the blanket treatment dished out to debtors is because of the depersonalization culture we live with, we all end up as numbers so yes fight your corner and remind them that you are a human being and remember that those who are causing such misery have been found to have acted criminally and fraudulently,many people who owe money have either been unlucky or misguided and have not acted criminally. Good luck.

 

Ro

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Hi tuttle,

bullying seems to be second nature to these people and I admire you for taking a stand and you are right debt has to rank as one of the most destructive things that a family can have to deal with. I suspect that the blanket treatment dished out to debtors is because of the depersonalization culture we live with, we all end up as numbers so yes fight your corner and remind them that you are a human being and remember that those who are causing such misery have been found to have acted criminally and fraudulently,many people who owe money have either been unlucky or misguided and have not acted criminally. Good luck.

 

Ro

 

indeed, i agree with all you have said, the main issue in the whole country is: the unlucky who own their property and have lost thier jobs, claiming DWP payments on the SMI - have been so pushed in repossessions because the interest rate being paid is less than is charged, the amount is such that after 2yrs and the mortgage help will stop, the shortfall is enough for repossession procedures at the start from that date, shows that this government are truly acting in a way to manipulate the market. The paper for this strategy was written by a university at the time of the coalition came into power, and initiated at that time, so 2yrs on and the repossessions are rife. A total un-caring and out of touch government we are at the mercy of.

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