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

      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
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NDR/Marshall Hoare/Webloansprocessing


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Hi guys

Just wondering what's going on with these guys? I was set up in a payment plan but there is no longer a website for Marshall Hoare or NDR. Think it's a bit strange! I'm in contact with someone from web loans processing who sorted the plan and reduced the amount. She won't give a straight answer now, says to transfer which I can't without a bank account name. So said phone up and pay by card which there is no way I'm going to talk to those people ever again!

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Not in admin as such. Larholt seems to be playing the hiding game again.

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

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Well for sure you don't want to be providing them with your card details.

 

I guess you could write to their head office and ask for bank details so that you can pay them.

 

I think you will need to send this by recorded delivery post - this to protect yourself in the event that anyone decides to be unpleasant. You are trying to make the payments, but they are preventing you from doing so.

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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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Yeah I think I will do that. I have the bank account number and sort code but you can't transfer money without the bank account name which they won't provide. I just get told to "call a representative to make payment" and no way am I doing that lol

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  • 1 month later...

I posted yesterday. Toothfairy belongs to Web loans Processing. It does not look like Larholt was the real owner. Someone else posted Larholt exited last year. One of their debt counsellors told me last week that they were shutting down. The real owner is some ultra wealthy family called Gullestrup. Our loans are moving with them somewhere.

Has anyone received calls from them recently? I have not. Let us all know as soon as they show up again.

Edited by ims21
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  • 1 month later...
I posted yesterday. Toothfairy belongs to Web loans Processing. It does not look like Larholt was the real owner. Someone else posted Larholt exited last year. One of their debt counsellors told me last week that they were shutting down. The real owner is some ultra wealthy family called Gullestrup. Our loans are moving with them somewhere.

Has anyone received calls from them recently? I have not. Let us all know as soon as they show up again.

 

As I have said elsewhere you're wrong!!!!! Your assumptions are very 'dangerous' may even be libellous so be careful

Edited by ims21
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your posts are very concerning dundee cake. Especially when we have proof from various sources to contradict your posts. It;s also strange that you, as a brand new poster came direct to a TF thread to say this.

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

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your posts are very concerning dundee cake. Especially when we have proof from various sources to contradict your posts. It;s also strange that you, as a brand new poster came direct to a TF thread to say this.

 

If you know and 'have proof', let's have it!!!! You only need to google Gullestrup and you will see that this person is beyond reproach.

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Right back at you. Again, for a new poster, your posts are rather curious. Oh, and NOBODY is beyond reproach.

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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Right back at you. Again, for a new poster, your posts are rather curious. Oh, and NOBODY is beyond reproach.

 

Yes, I'm a new poster on this BB as I only discovered it recently. However, I have followed the antics of Oliver Larholt and his cronies on other boards for nearly 3 years now. What made me incensed was to read allegations of financial misconduct by the Gullestrups.

If you and your fellow contributors have otherwise proof of any improprieties have the courage to let the board have the details.

That is if you can.

By the way I had the dubious 'honour' of being invited to OL's wedding.

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Yes, I'm a new poster on this BB as I only discovered it recently. However, I have followed the antics of Oliver Larholt and his cronies on other boards for nearly 3 years now. What made me incensed was to read allegations of financial misconduct by the Gullestrups.

If you and your fellow contributors have otherwise proof of any improprieties have the courage to let the board have the details.

That is if you can.

By the way I had the dubious 'honour' of being invited to OL's wedding.

 

Any chance you could reduce the interest and fees on my loan with ye?No way I'm paying ye the 3 grand ye want for the three hundred loan.

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Hi Renegrade

You may recall that I asked you to provide proof of the allegation of financial improprieties other that those committed by the Larholt gang previously claimed by you and others.

Can you please let us have these allegations out in the open.

I know Larholt is not the most honest person in the business world but to tar his ex-wife and her father with the same brush is just not on.

Best wishes

DC:clap2:

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I dont need to state anything. The media, OFt, FOS CAB, trading standards and even stella creasy had enough documentation and evidence to have the main company shut down. lets not go into the use of empty buildings The directors claim were their offices. Such as the abandoned garage, and the flat larholt got kicked out of years ago by his landlord.

 

The investigations were done by the relevant agencies and media, and they are still ongoing.

 

 

But i bet youll come back with some silly retort. Tbh i couldnt care less, theyve been shut down and this new company is already under investigation. Job done imo.

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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I dont need to state anything. The media, OFt, FOS CAB, trading standards and even stella creasy had enough documentation and evidence to have the main company shut down. lets not go into the use of empty buildings The directors claim were their offices. Such as the abandoned garage, and the flat larholt got kicked out of years ago by his landlord.

 

The investigations were done by the relevant agencies and media, and they are still ongoing.

 

 

But i bet youll come back with some silly retort. Tbh i couldnt care less, theyve been shut down and this new company is already under investigation. Job done imo.

 

Hi Renegrade,

I sincerely hope that you don’t find my response a ‘silly retort’. In fact I do think we are actually singing from the same hymn sheet.

I too am delighted that WLP is no longer. As previously stated I have a special interest in finding out about Messrs Larholt and Chapple’s activities which have been well documented on the web and am very familiar with them . I totally agree with you and others that this pair are thoroughly obnoxious and dishonest. However, I do think that Pay Day loan co’s. have a place in the present day climate as long they are run properly and ethically.

My gripe is that several contributors are insinuating that Per Gullestrup was the real financial backer of WLP. I verily believe this not to be so. His daughter had the misfortune in marrying OL. The company registry states that Messrs Larholt and Chapple resigned – no, I think they were pushed and a new management was put in place with the hope of saving the company. However it would appear that the damage done by Messrs Larholt and Chapple was un-repairable so a decision was made to put the company into administration which is also well documented on the web.

I hope the above gives you some insight, with other words don’t blame PG and his daughter.

You have no doubt Googled both OL and PG. Both have extensive entries. I challenge you to find any entry for PG which is in any way derogatory.

If you do I’ll buy you a pint in The Albion

Best DC

PS Can you let me have the name of the ’new Company’ please, as I have no knowledge of it

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If you know and 'have proof', let's have it!!!! You only need to google Gullestrup and you will see that this person is beyond reproach.

 

Blimey Dundee Cake! Who are you, just responded to you in another thread. Are you trolling? You just started posting here and you speak like you could be per gullestrup himself.

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Blimey Dundee Cake! Who are you, just responded to you in another thread. Are you trolling? You just started posting here and you speak like you could be per gullestrup himself.

 

Hi Big E

Sorry I got a little confused. As you can see I'm new to CAG. Rest assured I'm not trolling nor am I PG. If I was I would not be living in a 2up2down.

Please note the exchange between Renegrade and myself which I hope you will find self explanatory. I have little to add except to say that I'm sure that Larholt and his hooray henry's will reappear but I doubt very much that the 'G's' will be anyway near him they him. OL will get his comeuppance but like most con artist he will raise his ugly head again and again.

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Hi Big E

Sorry I got a little confused. As you can see I'm new to CAG. Rest assured I'm not trolling nor am I PG. If I was I would not be living in a 2up2down.

Please note the exchange between Renegrade and myself which I hope you will find self explanatory. I have little to add except to say that I'm sure that Larholt and his hooray henry's will reappear but I doubt very much that the 'G's' will be anyway near him they him. OL will get his comeuppance but like most con artist he will raise his ugly head again and again.

 

I don't buy that. We don't need trolls like you here. First post and you say that. You wouldn't say anything else if you were per gullestrup himself. Did you see what got pulled out in the other thread about tania gullestrup? Just help us find the truth and help us deal with our loans

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I don't buy that. We don't need trolls like you here. First post and you say that. You wouldn't say anything else if you were per gullestrup himself. Did you see what got pulled out in the other thread about tania gullestrup? Just help us find the truth and help us deal with our loans

Hi, I'm indeed sorry to learn of your mistrust but I can see from where you are coming from. I'm also desperately sorry that you have experience the horror of the Pay Day loan. I can assure you that I'm not a troll nor Per Gullestrup himself.

I can only reiterate that I'm overjoyed that for at least for the time being Larholt plus cronies are stopped from plying his evil trade. It should not surprise me if bankruptcy will on the cards.

I wish you luck and hope you get a just result from you unfortunate experience with PDL.

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Why are you so defensive against accusations of mr Gullestrup? it seems very odd given that youve done it since your first post.

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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Why are you so defensive against accusations of mr Gullestrup? it seems very odd given that youve done it since your first post.

 

And why have you not offered a scrap of evidence against him but accepted unproven tittle tattle by other Caggers, who think that they are in the know. I again ask you to come up with the goods.

So far I have been polite to you and I would expect similar courtesy from you!!!!

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Dont change the subject. Answer mine, and ill answer yours.

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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I do not intend to enter in to a slanging match with you. With over over 14000 post you are obviously glued to your PC dishing out advice most of it very spurious. For Christ sake get a life, get a hobby, try to make friends, go out for a pint because you are a f*****g bore!!!!

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