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    • Thank you for that "read me", It's a lot to digest, lots of legal procedure. There was one thing that I was going to mention to you,  but in one of the conversations in that thread it was mentioned that there may be spies on the Forum,  this is something that I've read quite some time ago in a previous thread. What I had in mind was to wait for the thirty days after their reply to my CCA request and then send the unenforceable letter. I was hoping that an absence of signature could be the Silver Bullet but it seems that there are lot of layers to peel on this Onion.  
    • 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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Whats Magaluf like


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hiya,

i'm off to Magaluf soon ( next week in fact) and i would like to know if any of you have been there and what it's like.

we've always gone to Benidorm ( dont get me started on the so called Benidorm documentary that was on wed, cus i think they could have done better with that) but this year the kids wanted to try somewhere different. i've looked on the holiday reviews on this site but cant find any info.

Please note that although my advice is offered, you should consult your legal representative before taking ANY action.

 

 

have a nice day !!

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Dunno, I have heard its quite nice, but i suppose its like everywhere, it depends on where you go, I love Lazarote, but hate Puerto del Carmen

Lula

 

Lula v Abbey - Settled

Lula v Abbey (2) - Settled

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Try this bazak Holiday Truths - Magaluf resort guides, reports and Magaluf discussion forum

 

I went to Magaluf a couple of years ago, in April, on a hen do - personally I thought it seemed more geared towards clubbers rather than families, but that might just be because it was the start of the clubbing season, rather than the 'traditional' holiday season

 

PJ

Advice & opinions given by pjdudley69 are personal, are not endorsed by Consumer 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. Also visit legal seagulls for more friendly help and advice.

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Thank you PJ, that does seem like an interesting site. i'll study it more tomorrow when i have more time.

Yes i've been told that certain times of the year it's more geared to clubbers ( and our elder kids wont mind that) but perhaps it calms down a bit around this time of year.:cool:

Please note that although my advice is offered, you should consult your legal representative before taking ANY action.

 

 

have a nice day !!

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Magaluf is fantastic - great beaches, great bars & restaurants and the clubs for the youngsters and the pubs/bars for the elders. Enjoy the holiday - it should still be nice and warm.

The prices are not really that much diferent from here for drinks, food is slightly better and taxis are ok price wise.

 

I thought the Benidorm programme has the potential to be quite good - it shows how hard it is to make a living abroad, we were going to move to Tenerife a few years ago but just couldn't afford it.

Consumer Health Forums - where you can discuss any health or relationship matters.

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Thanks Gizmo111. i'm loving the sound of all that, and really looking forward to our break.

pinkduchess, nooooooo, i'm older than that. i'm more into watching entertainment (groups, comedians etc ), than bouncing myself around a dance floor for eight hours.

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have a nice day !!

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i dont mind the hours out, i just cant handle a lot of this clubbin music

Please note that although my advice is offered, you should consult your legal representative before taking ANY action.

 

 

have a nice day !!

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i dont mind the hours out, i just cant handle a lot of this clubbin music

 

And the half naked totty laying around the street after a good boozing session. You will have fun there Bazak, although it's been about 5 years since i was there.

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Me?. . . noooooo

 

Not a pretty site all covered in Puke .. (the totty that is , not me).

 

And less of the old if you don't mind. .

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Wont have time to be looking at totty. i want to sunbathe, drink, have some fun then go back to apartment in early hours, knackered.

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have a nice day !!

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Reviews of vacations, hotels, resorts, vacation and travel packages - TripAdvisor

 

Written by travellers for travellers. If you know where you'll be staying, you can even search for reviews on the hotel. I love that site and check every location through it before going anywhere, and add a review when I come back. :-)

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providing you steer away from the Strip in the evening, you should avoid most of the half naked, puke covered totty :D [trust me, I wasn't either when I went lol] - although, most of the half naked peeps were the ones trying to get you into the bars [tiny shorts, bras, corsets, and fur boots??? wtf :eek: lol]

Advice & opinions given by pjdudley69 are personal, are not endorsed by Consumer 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. Also visit legal seagulls for more friendly help and advice.

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My friend and her sister went to Magaluf, came back last week. I asked them what it was like and they said they didn't know. They got up at 10pm everyday showered, dressed, left at 11.30pm to sit in a bar drinking till the sun came up. The sun got too hot so they slept all day again. So if anyone actually knows what it is really like there please tell me so I can let them know what they missed:D Cheers

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Not long now.

They've had thunderstorms over there, so keep your fingers crossed i got some decent weather

Please note that although my advice is offered, you should consult your legal representative before taking ANY action.

 

 

have a nice day !!

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When are you going Bazak?

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