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    • The move marks the first time the country's central bank has raised interest rates for 17 years.View the full article
    • The move marks the first time the country's central bank has raised interest rates for 17 years.View the full article
    • 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 ??  
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      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.

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    • Housing Association property flooding. https://www.consumeractiongroup.co.uk/topic/438641-housing-association-property-flooding/&do=findComment&comment=5124299
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    • 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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URGENT! All A&L account holders please read....


GaryH
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We are in urgent need of sets of Terms and Conditions for all Alliance & Leicester accounts past or present.

 

 

We are relying on YOU the members of CAG to make the effort to look out and send us your old T&C's. Every user must have something stashed away somewhere which may be relevant - ultimately this will benefit everyone. Please scan, preferably in PDF format, and send ASAP to the following e-mail address -

 

Primarily we want Terms and Conditions - but also any correspondance, publications or other documents which refer to Alliance and Leicesters charges as being defaults, penalties, imposed upon the breach of an account agreement, or that they exist to cover costs, etc. etc.

 

Let us decide whether anything is relevant or not - if in doubt just send it.

 

Anyone without access to a scanner please PM me for a postal address.

 

Thanks in advance.

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Any advice or opinion is offered informally & without liability. Use your own judgment and if in doubt seek advice of a qualified and insured professional.

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Hi Gary: I have a set going back to 2003 (6 pages of it) , will scan and email them later today.

Donate to keep this site open

 

Any help or advice is offered as just that, help and advice without any liability. If in doubt consult a legal expert or CAB.

 

Make Cash Flow Forecast

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Fantastic, thanks! :)

 

Good start. I must admit the response from a simular appeal in the Lloyds forum was fairly dissappointing, so hopefully you A&L lot can put them to shame!:D

Please remember to DONATE! Help CAG keep up the fight!

 

 

Any advice or opinion is offered informally & without liability. Use your own judgment and if in doubt seek advice of a qualified and insured professional.

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OK, you should have them by now in pdf format.

 

If anyone needs it here is a free download for converting files to pdf

 

How it works is this, when downloaded you will have a pdf printer driver installed, you select your file to convert i.e. word or bitmap etc and then go to PRINT select PDF from printer OPTIONS away you go the file will convert to pdf and ask you what name to save it under and where.

  • Haha 1

Donate to keep this site open

 

Any help or advice is offered as just that, help and advice without any liability. If in doubt consult a legal expert or CAB.

 

Make Cash Flow Forecast

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Gary, the above email address? my mail bounced back. Trying it again. The file is too big have pm you a link to d/l from.

Donate to keep this site open

 

Any help or advice is offered as just that, help and advice without any liability. If in doubt consult a legal expert or CAB.

 

Make Cash Flow Forecast

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Strange... it should be ok. Let me know if it bounces back again and I'll try to find out whats wrong.

Please remember to DONATE! Help CAG keep up the fight!

 

 

Any advice or opinion is offered informally & without liability. Use your own judgment and if in doubt seek advice of a qualified and insured professional.

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Excellent! Thanks for your help.:)

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Thanks Scoobz - appreciated.;)

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Thanks Claire.:)

 

So far, so good! Anyone else?

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Any advice or opinion is offered informally & without liability. Use your own judgment and if in doubt seek advice of a qualified and insured professional.

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Sorry Gary, i felt sure i had them lying around, im such a hoarder :( not found any as yet, just got filing cabinet left to check

***************************************

Feels like a lost little girl x

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Hi Gary

 

I am sending you a copy of a letter received from A&L where they refer to the charges as Default charges, also a copy of their defence from Wragge and co where they refer to the charges as administritive fees. Hope they help

 

Caza

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Caza,

 

That sounds like its extreamely relevant and very interesting - many thanks.:)

 

They don't actually come directly to me but I'll try to get confirmation they arrived.

Please remember to DONATE! Help CAG keep up the fight!

 

 

Any advice or opinion is offered informally & without liability. Use your own judgment and if in doubt seek advice of a qualified and insured professional.

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Sorry, had a rummage but I'm the opposite of a hoarder, I just chuck everything (that'll teach me). Just out of interest are you getting a better response from the A&L forum than you did from Lloyds??

HFC Bank - First letter claiming £196/LBA sent/£75 offered/rejected/Claim filed

HFC Bank Take 2 - Statements received

A & L - Prelim sent/LBA sent

Barclays (for my Dad) - Awaiting statements/LBA for S.A.R. sent/Statements received/Prelim sent/LBA sent

A & L (for my Son) - Awaiting statements/Statements arrived Prelim letter sent/£280 offered and rejected

Abbey (for my Sister) - ***Won***

Barclays PPI claim

Studio - ***Won***

HSBC - (for my brother-in-law) ***Won*** 8-)

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Er... difficult to say - definitely the first few days, yes, but its tailed off a bit yesterday and today.

 

We've had about 3 sets of actual T&C's (amongst other bits and pieces), which is around the same as Lloyds, but then the appeal has been up for longer over there.

Please remember to DONATE! Help CAG keep up the fight!

 

 

Any advice or opinion is offered informally & without liability. Use your own judgment and if in doubt seek advice of a qualified and insured professional.

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  • 2 weeks later...

I dont have any A&L t&c or int & charges but am badly in need of some for pre 2001. I've tried copying a set of 1998 t&cs but they wont fully copy, hope you can help as my bundle has to be in by 28th june. Is it imperative that you have the right ones or will later editions do?

Jan

Jan

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Thats great, many thanks Jeff!:)

 

And also to everyone else who's sent stuff in, thanks, its appreciated.;)

 

Still need more though so keep 'em coming!!:grin:

Please remember to DONATE! Help CAG keep up the fight!

 

 

Any advice or opinion is offered informally & without liability. Use your own judgment and if in doubt seek advice of a qualified and insured professional.

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