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    • If the legendary dx could offer his wisdom it would be greatly appreciated 
    • Hi there Manager for our soccer sixes team moved overseas mid season and we struggled for numbers so we told the ref about 5 weeks prior to seasons end that we would see out these games then be done and he told us he’d ’pass the message on to the relevant people’. Heard nothing, then 3 days prior to the new season beginning we were given our fixture for that weekend. Told the guy over text we had pulled out and the ref should’ve passed a message on but we were told sufficient notice wasn’t given and it needed to be in writing. I argued it’s not our fault the ref didn’t do as he said but we were countered by the T&Cs.    now being chased for what was £608 kindly reduced to £476 to pay off remainder of the season. Been sent a letter in the post from their accountancy team and told needs to be paid by Friday.   seen a lot of the other threads saying we can literally just ignore everything but im concerned about debt collections and credit score being harmed. Can anyone confirm if this all works/what we should do?   thanks
    • Hi,   I have given an official police witness statement for the prosecution in an upcoming criminal court case, and I am very anxious about what might happen.  Specifically regarding being cross-examined.  My statement is very short, and only a couple of paragraphs long, regarding a conversation I had with one of the victims.  I have tried to research online about what information about me the defence barrister might be able to find and use to discredit me.  I have by no means have a shady past but, I am concerned about what private information might be brought up, and as this is a case that will be in the national press as it is in the public interest.  The two preliminary hearings were reported in the papers.   I have tried to research  online what information the opposition can seek, but it is all very complicated.  I believe that they can legally access public records, but I'm not sure what information public records hold.  Can they access my medical records, educational history, HMRC, and Department for Work and Pensions? (I am a self employed sole trader).  I was arrested once, and this was unfortunately instigated by the victim in this case, so could well be of interest to them.  It resulted in no further action, however I have only discovered this week that that, in fact, this means I have a criminal record, and will be so until I am 100 (no chance)! This has really annoyed me to say the least, especially since I asked him afterwards why he rang the police and he said 'for a laugh'.  So I have started to look into applying for it to be deleted, but again, if anyone has any advice on this I would be appreciative. At the moment, my name isn't on the confirmed list to give evidence, but the detective I have been dealing with has said it is 'likely'. The names of the victims in this case will not be allowed to be reported, are witnesses fair game for the press? I really need no know how deep they can delve in to my life so I am prepared if my character gets assassinated in front of the nation. I really wish I'd never agreed to this.   Many thanks
    • A belated thanks dx. Yes I may take your advice regarding StepChange. I am finding that I am telling them (on behalf of my Son) the true balances outstanding? They never seem to check properly in which worries me. If I was to take on myself is there another way of dealing with various debts? I have already submitted other IRL complaints on his behalf. Today I have received a further response from Quidie T/A Fernovo confirming that they will waiver all interest paid.
    • Good evening  Case hearing this Friday 26/04. looking to have all my prep/papers ready.    just checking in to get update on my last post , ( the t&c’s attached). No name or address on them as per #49   thank you UCM  
  • 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

greenranger v yorkshire bank ***WON***


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ding ding round 1.

pre-lim sent today, ive been looking forward to this one.

_______________________________

 

yb *won* full amount plus costs plus interest.

llyods tsb *won* full amount plus costs plus interest.

_______________________________

 

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  • 1 month later...

well done, keep at it.

 

you will get what is yours

Yorkshire Bank Plc £3553.77 Prelim letter sent 14/9/06 LBA sent 22/9/06, MCOL Sent 10/10/06 MCOL Notice of Issue Rcvd 12/10/06, MCOL Acknowledged 17/10/06, £929.00 Offer Rcvd, 03/11/06 - Rejected, 09/11/06 YB Defended, 10/11/06 Transferred to Local Court, AQ Returned;) 30/11/06 Copy of Banks AQ Received, 1 month extra asked for by Clydesdale, 09/01/07 £2140.00 Offer Rcvd, 09/01/07 - Rejected, 11/11/07 Allocation To Small Claims Track, Court Date Set - 05/03/07, 15/01/07 £2590.00 Offer Rcvd, 15/11/07 - Rejected, 07/02/07 £3773.77 Offer Rcvd (FULL), 12/02/07 - Accepted, 21/02/07 - Chq Received for FULL AMOUNT. :)

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  • 2 weeks later...

i submitted direct into court but against llyods i used mcol. will i still need to send yb a copy of the schedule of charges? or will the court send them a copy of the one i attached to my POCs?

_______________________________

 

yb *won* full amount plus costs plus interest.

llyods tsb *won* full amount plus costs plus interest.

_______________________________

 

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  • 2 months later...

i have received a letter from the court for a pre-trial hearing lasting 10 minutes.can anyone tell me what this hearing for and what its purpose is ?

 

thanks

_______________________________

 

yb *won* full amount plus costs plus interest.

llyods tsb *won* full amount plus costs plus interest.

_______________________________

 

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  • 1 month later...

att caro or any one else whos knows.

is there any chance you could advise. im in court next tues for a pre trial hearing. can anyone tell me what this for?

i will be taking with me a copy of the directions i filed with AQ as i assume the judge will want to discuss these with me. will yb be there and will i need anything else.

_______________________________

 

yb *won* full amount plus costs plus interest.

llyods tsb *won* full amount plus costs plus interest.

_______________________________

 

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Could you post exactly what the letter says please greenranger. Also which court this is at. It could be to decide how to proceed with your case.

The Consumer Action Group is a free help site.

Should you be offered help that requires payment please report it to site team.

Advice & opinions given by Caro 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.

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hi caro and thanks for replying. the letter is as follows,

 

TAKE NOTICE that a pre trial review will take place on

19 June 2007 at 3:00 PM

at sunderland county court, (address)..............

When you should attend 10 MINUTES has been allowed for the pre trial review.

 

Please Note: this case may be released to another judge, possibly at a different court.

 

........................................................

 

i have helped a few family members with bank charges but a case has never went this far before. my aim is to get the judge to accept the directions i offered and to keep the claim on the small claims track. is there anything else i need to be doing.

 

thanks

_______________________________

 

yb *won* full amount plus costs plus interest.

llyods tsb *won* full amount plus costs plus interest.

_______________________________

 

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Sounds like you are on the right lines to me. YB seem to send local agents (solicitors) for any court appearances. I suggest that you also take a list of the YB and CB cases that have been settled before an actual court hearing to show that they are unlikely to let it go to a full hearing. Hopefully this will back up your request to have the defence struck out.

 

Although I don't think it's likely that the judge will go into any specifics of your claim, I suggest that you take all your paperwork with you just in case you need anything.

The Consumer Action Group is a free help site.

Should you be offered help that requires payment please report it to site team.

Advice & opinions given by Caro 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.

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** WON **

got a special delivery this morning. full amount, plus interest plus costs.

and it couldnt have come at a better time.

thanks for the advice caro.

_______________________________

 

yb *won* full amount plus costs plus interest.

llyods tsb *won* full amount plus costs plus interest.

_______________________________

 

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Congratulations Greenranger, me also got a special delivery letter this morning, unfortunately i wasnt in and have to wait until tomorrow to go pick it up, let hope its a cheque ;) am soooo excited!

 

Well done, dont spend it all at once :D

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thank guys. must say i was getting a bit worried with that guy in the papers losing.

 

stevie its already spent lol; lets hope that delivery was your chq.

_______________________________

 

yb *won* full amount plus costs plus interest.

llyods tsb *won* full amount plus costs plus interest.

_______________________________

 

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Congratulations greenranger. Brilliant news.

The Consumer Action Group is a free help site.

Should you be offered help that requires payment please report it to site team.

Advice & opinions given by Caro 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.

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settlement was for full amount without any conditions.

_______________________________

 

yb *won* full amount plus costs plus interest.

llyods tsb *won* full amount plus costs plus interest.

_______________________________

 

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