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    • The world's largest economy grew less than expected but rising inflation may delay a rate cut.View the full article
    • Hello, Following the submission of my defense, last night I received an email from DCBL indicating that the claimant intends to proceed with the claim (I've attached a screenshot of the email for reference) along with the N180 directions questionnaire. I'm unsure how they obtained my email, but I suspect it was through the courts' form when I completed the Acknowledgment of Service. This email almost slipped my attention. I have also today received a letter from court to state they have received my defense.  It appears they are requesting an online telephone hearing with the court. Could you please advise me on the necessary steps I should take at this point? Thank you for your assistance. Letter-Email 25-04-24.pdf N180 - Directions questionnaire (Small Claims Track).pdf
    • Default Amount £9237.88, all this started in 2006 Admitted debt £9075.65 Weightmans added £1515.01 immediately they became involved, no explanation The Statement shows when Marlin bought debt in May 2011 £10439.25 Their statements, not received until the SAR, are based on this. Cabot deducted £1515.01on their statements in January 2019, again did not find this out until SAR. Weightmans added in  2007 after the CH1 etc was confirmed by the court £741.50, made up of Process server fees, Court Fee (they tried for bankruptcy), Solicitors fee and Land Registry fee. Unspecfied Legal costs were added by Marlin in March 2015, again I did not know this until statements received with SAR I had been paying monthly, without exception until December 2018. I am minded to take the property charge, CH1 amount ,deduct all my payments and the subsequent fees, and request/demand a refund on the final payment made? I consistently disputed Weightmans balances, but they never responded. I also told Mortimer Clarke/Cabot that I disputed their amounts.  
    • Just follow this link and have read of some threads so your familiar with the process https://www.consumeractiongroup.co.uk/topic/347310-legal-n180-directions-questionnaire-small-claims-track/#comment-5178739
    • Sorry,  I'm not familiar with terminology.  Direction questionnaire is what I've seen online as next step. Witness statement: I haven't gone that far, that's why I put the question marks.
  • 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
      • 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

Want to know more about certain benefits?


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This thread is designed to assist you with obtaining as much information as you may need to get a good understanding of certain types of benefits including

 

 

1. Universal Credit (UC)

2. PIP (Personal Independent Payments (PIPs)

3. Contribution based Jobseekers Allowance (JSA)

4. Contribution based Employment and Support Allowance (ESA) for people who are eligible for UC

 

 

The link below was first published 22/03/2013 and updated 23/04/2015

 

 

If you wish to know more please follow the link below and then spend some time looking through the large amount of links and data listings to find your benefit or question.

 

 

Please see here https://www.gov.uk/government/publications/advice-for-decision-making-staff-guide

 

Although this link is meant for the Approved Decision Makers (ADM) anyone can read them to gain an entry level of knowledge for your benefit.

 

 

If you follow the above link and wish to know about being sanctioned you would then need to find the relevant number of the document within that link, in this case the link would relate to K1-K9 and so on.

This link above covers so much information and may be of use to you.

 

 

Getting to know what is/maybe required of you can be found within this link. I also covers living together as a married couple (LTAMC) since many posters often ask how many nights can a partner stay over that question is answered here for you in detail. See E4 for this information

 

 

If you have found your question in the link and still need to ask questions please start your own thread within this part of the forum see below.

http://www.consumeractiongroup.co.uk/forum/newthread.php?do=newthread&f=160

 

 

 

 

 

Note to readers sorry for the long list in the link/s but they are worth reading and you could benfit from what you find contained within.

If I have been of any help, please click on my star and leave a note to let me know, thank you.

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  • 5 weeks later...

:Clarification:

 

Currently 'Advice for Decision Making' (linked to in #1) is only used to decide claims for;

 

A personal independence payment.

 

Single claimants who are fit for work, don't have children, and live in a Jobcentre area where they can claim universal credit instead income based jobseekers allowance.

 

And additionally, a few Jobcentres administer joint claims for universal credit and claims which involve children, if the claimants are fit for work.

 

For now, everyone else still has to decipher the 'Decision Makers Guide'. :violin:

 

https://www.gov.uk/government/collections/decision-makers-guide-staff-guide

 

Margaret.

 

 

 

 

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