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    • If the claimant fails to draft directions the court can order a Case Management Hearing to set them but normally in Fast Track claims the claimant sets the directions...Unlike small claims track which are always set the court.
    • Not Evris offer, the court offers mediation service.   All claims proceed to hearing if mediation fails /not happen.   Why do you not wish to attend in person to stand your claim ?     Absolutely you must comply with the courts directions or your claim risks being struck out. Preparation for a hearing should happen irrespective of mediation.   https://www.consumeractiongroup.co.uk/topic/460613-suing-a-parcel-delivery-company-when-you-dont-have-a-direct-contract-with-them-–-third-party-rights-copy-of-judgment-available/#comment-5255007   Andy  
    • LPA.  (I'm fighting insolvency due to all the stuff that he and lender have done).  He appointed estate agents - (changed several times). Disclosure shows he was originally appointed for a specific reason (3m after repo) : using his powers as acting for leaseholder to serve notice on freeholders (to grab fh).  There was interest from 3 potential buyers. He chose one whose offer depended on a positive result of the notice.  Disc also shows he'd taken counsel advice - which was 'he'd fail'.  He'd simultaneously asked to resign as his job (of serving notice) was done and he'd found a buyer.  Lender asked him to stay on to assign notice to the buyer.  Notice failed, buyer didn't buy.  So receiver stayed.  There was 1 buyer who wanted to proceed w/o fh but receiver/ lender wasted 1y trying to get rid of them!  Disc shows why. But I didn't know why at the time. In later months Lender voiced getting rid of receiver. Various reasons - including cost.  But there's a contradiction/ irony: as I've seen an email (of 4y ago) which shows the receiver telling lender not to incur significant costs and to minimize receiver costs.    Yet lender then asked him to serve another notice - again counsel advice indicated 'he'd fail'.  And he did fail.  But wasted 3y trying and incurred huge legal costs - lender trying to pass on to me. Lender interfered - said wanted to do works.  Receiver should have said no.  But disc. shows he agreed to step aside to let them do the works - on proviso lender would discuss potential costs first (they didn't), works wouldn't take long (took 15m), and lender would hold interest (they didn't) (this last point is crucial for me now - as I need to know if I can argue that all interest beyond this point shouldnt be allowed?)   I need to check receiver witness statement in litigation with freeholders to see exactly what he said about 'his position'. But I remember it being along the lines of - 'if the works increased the value of the property he didn't have a problem'.  Lender/ receiver real problems started at this point. The cost of works and 4y passage of time has meant there is no real increase in value. Lender (or receiver) didn't get any permissions (statutory or fh) (and didn't tell me) and just bulldozed the property to an empty shell.  The freeholders served notice on me as leaseholder for breach of covenants (strict no alterations).  The Lender stepped in (acting for me) to issue notice for relief of forfeiture - not the receiver.  That wasted 2y of litigation (3y if inc the works) and incurred huge costs (both sides).  Lender's aim was to do the works that every potential buyer balked at due to the lease restrictions.  Lender and receiver knew couldn't do works w/o fh permission. Lender did them anyway; receiver allowed.  Receiver remained appointed.  I'm arguing lender interfered in receiver duties.  Receiver should have just sold property 4-5y ago w/o allowing any works.  Almost 3y since works finished the property remains unsold (>5y from repo). The property looks brand new - but it was great before.  The lender spent a ton of money - hoping that would facilitate a quick sale.  But the money they spent and the years they have wasted has meant they had to increase sale price.  It's now completely overpriced.  And - of course - the same issues that put buyers off (before works) still exist.   The receiver has tried for 2y to assert the works increased value. But he is relying on agents estimates - which have proved highly speculative. (Usual trick of an agent to give a high value to get the business - and then tell seller to reduce when no-one buys.). And of course lender continues to accrue interest (despite 4y ago receiver saying pause interest). Lender tried to persuade receiver to use specific agent. Disc shows this agent was best friends with the lender's main investor in the property.  Before works this agent had valued it low.  After works this agent suggested a value 70% higher!  The lender persuaded receiver to sack one agent and instead use this agent.  No offers. (Price way too high).   Research has uncovered that this main investor has since died.  I guess his investment is part of probate? And his family want it back?    Disc shows the sacked agent had actually received a high offer 1y ago.  Receiver rejected it.  (thus I don't know if the buyer would have ever proceeded). He was relying on the high speculative valuation the agents had given him to pitch for the business. The agents were in a catch-22.  The receiver sacked them. Disc shows there has been 0 interest ever since (inc via new agent requested by lender). I don't think lender or receiver want all this to come out in public domain via a trial.  It will ruin their reputations. If I can't get an order for sale with lender - can I apply separately against receiver?
    • Ok many thanks. Just wanted to check that nothing else for us to do / send for the moment. Will update again once we receive a copy of their N181 and proposed directions for review. Our post is a bit hit and miss at the moment. Appreciate the help through this process.
    • Yes and will ask you if you are in agreement and or wish to add /remove any direction.
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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 
      • 81 replies
    • Housing Association property flooding. https://www.consumeractiongroup.co.uk/topic/438641-housing-association-property-flooding/&do=findComment&comment=5124299
      • 161 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

gov petition link to ban advertising of payday loans on television


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My son was in big trouble with Wonga - I got him to phone them, & give them permission to speak to me. I told them (debt management team) he owed me heaps (true!) they froze the interest & made amicable affordable plan to come out of bank each month. I am collecting so much dirt on them all!!

We need everyone to copy and paste the link onto every other link possible..it only has 500 signatures so far! yes, nasty attractive cartoon people-so deceptive. Next time I see him, he'll sign a letter saying he owes me, & they will keep it on their record so they wont give him any more loans. Likewise the Money Shop..

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I've posted a link on another payday loan thread, so hopefully some of the Caggers there will come and sign here.

 

I am glad you got Wonga sorted out. They have been really awful to some people on the forum.

 

Last year I was burgled and lost some jewellery with great sentimental value so I started visiting all the loan/buy gold companies close to me. I was absolutely staggered when waiting in one to hear a clearly very bright and obviously working young lady ask for a loan, and she confirmed that she'd had them before. She was drinking a Starbucks coffee. Why would anyone in their right mind be buying take-out coffee when they needed a payday loan? Totally crazy.

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Thanks Desperate Daniella. Just spotted your post on my thread.

Usually i keep a sharp eye out for such things.

I missed the epetition.

Nice idea Savvysaver to post on.

Will do.

I will also check the epetition thread is it on there.

Perhaps you could put it on there if it is not. Give me a shout if you need any help.

Link here.

http://www.consumeractiongroup.co.uk/forum/forumdisplay.php?357-e-Petitions

 

 

 

Signed

hm_gov.gif?1364282144

Accessibility Home Search published e-petitions

 

Thank you.

 

 

Your signature has now been added to this e-petition.

Click here to view the e-petition

Edited by tawnyowl
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Hi tawnyowl,

 

I'll check the petitions. Thank you for reminding me.

 

I think radio advertising should be banned too. The Wonga one is just too jolly and user-friendly. It all sounds such fun that you can't ever imagine such lovely people could turn so nasty.

 

I agree. Not only that there are 2 radio stations that I listen to who have also ran competitions in association with a PDL.

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I agree. Not only that there are 2 radio stations that I listen to who have also ran competitions in association with a PDL.

 

That is outrageous. The owners of the radio stations should be ashamed of themselves.

 

What was the prize? A loan where you pay only half their usual interest?

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Something even worse. They have multiple adverts running at the cinema now. Although they only seem to advertise on 12a and above.

Edited by renegadeimp

Any advice i give is my own and is based solely on personal experience. If in any doubt about a situation , please contact a certified legal representative or debt counsellor..

 

 

If my advice helps you, click the star icon at the bottom of my post and feel free to say thanks

:D

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That is outrageous. The owners of the radio stations should be ashamed of themselves.

 

What was the prize? A loan where you pay only half their usual interest?

 

I can't remember the first one because it was on a station I only listen to in the morning. The station though is very popular.

The other one is you have to guess an amount of money. You phone in, guess the amount between 2 amounts already given and win if you get it right. Obviously in this day and age its was quite popular.

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I saw a new Wonga one last night. It actually implies that you can fix your own terms. I think I will phone them up and say I want to borrow £1,000 and I'll pay back £1,001 at the end of the month. That would be fixing my own terms, wouldn't it? I'm going to watch it again, and maybe see if they can be reported to ASA.

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Haven't seen that one - will look out for it. We so need to get them into real trouble. They want to float on the stock market, but are waiting to see what clampdowns the Gov are going to make. Joke! we know the answer, just ban advertising etc & make them all financially unviable.

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I recently had to go into the Money Shop. after speaking to them about my sons loan with them on the phone - I'd paid them money with my d card - which they had no record of, meaning my son still owed them! I took in a verified bank statement proving it, and the ref number they gave me but it still took over two hours of me being in there before they classified it as a misc. payment. I got my refund, paid a reduced amount to clear sons account ( £210 instead of 330) plus I've put in a complaint & requested compensation for my wasted time, stress etc. t.b.c...Oh, (belated reason for post lol) while in there, witnessed many customers either requesting they pay the minimum off their loan, or requesting rollover, or I heard them say they needed one to pay their bills. These were men in working clothes straight in there from work..so sad.

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