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    • They couldn't afford to cut the NI level - having to borrow to do it - which breaks common sense rules let alone fiscal rules Unc   .. and thats just based on what we know of their fiscal incompetence, let alone any hidden costs
    • Interesting question regarding what Government accounts opposition parties have access to, before an General Election. From what I understand, Government department accounts that are published are always lagging behind and would not include some amounts which are classified as 'commercially sensitive'.  Therefore opposition parties and Parliamentrary select committees would not have access to accounts which contain real time up to date information. If a new Government have found £20 billion of spending liabilities they did not know about, this could be true, as £20 billion is not that much when you look at total Government expenditure. Government department are making decisions on spending all of the time and it could be the previous Government were planning tax changes and/or spending cuts to balance the books.  Jeremy Hunt has recently said that if the Tories had stayed in Government and held an Autumn budget, it would have been very difficult to cut taxes as some had wanted.
    • Everyone knows the tories were hiding the costs - and even added 4 billion quid to the taxpayers high interest credit card to fund a chunk of the NI tax reduction - prime example - look at how much cost was hidden re the Rwanda dogwhistle -10 Billion quid     and re the handful of rebels on the benefit limit If the disasters (like the Rwanda rubbish) of Tory dogs being wagged by the extremist minority ERG tail doesn't highlight the issues .. Enlighten yourself here .. (fat chance) Sir Keir Starmer is right to show Labour rebels the door WWW.INDEPENDENT.CO.UK Editorial: Suspending seven MPs following their rebellion over the two-child benefit cap is more than a prime minister flexing his political muscle. It is a...  
    • Trump instigated that didnt he @theoldrouge despite losing the election - and Biden mitigated as much as he could within his boundaries?   "President Donald Trump ordered a rapid withdrawal of all U.S. troops from Afghanistan and Somalia in the wake of his 2020 election loss"   “The order was for an immediate withdrawal, and it would have been catastrophic,” said Rep. Adam Kinzinger, R-Ill., one of two Republican members of the special panel. “And yet President Trump signed the order.”   Trump ordered rapid withdrawal from Afghanistan after election loss WWW.MILITARYTIMES.COM The memo was among the latest revelations from the congressional committee investigating the Jan. 6, 2021, attack on the Capitol building.   Although i agree that Biden should have done more to mitigate Trump driven disasters
    • ok your WS is wrong. Paragraph 16 and 17 says  you did not contract with evri but this is not true - see below  Furthermore to the eBay Powered By Packlink T&Cs that Evri is referring to, Clauses 3b and c of the T&Cs states:  (b)   Packlink is a package dispatch search engine that acts as an intermediary between its Users and Transport Agencies. Through the Website, Users can check the prices that different Transport Agencies offer for shipments and contract with the Transport Agency that best suits their needs on-line. (c)  Each User shall then enter into its own contract with the chosen Transport Agency. Packlink does not have any control over, and disclaims all liability that may arise in contracts between a User and a Transport Agency post 251 of occy thread - £844 lost    you should also add a paragraph on donough v Stevenson talking about the fact that even without contract there is still duty of care to goods and by failing to deliver this duty has been breached.   Make those changes and post it back up here and I'll check over things again
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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.

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      Many thanks 
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    • Housing Association property flooding. https://www.consumeractiongroup.co.uk/topic/438641-housing-association-property-flooding/&do=findComment&comment=5124299
      • 162 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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Catalogues/mail order


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Hi

 

Loads of people on this site (myself included) have apparently been given misinformation by these types of companies and the DCA's they employ.

 

I personally have been told that mail order companies do not have to have a CCA and are not bound by it's conditions.

 

I emailed their trade body MOTA today to ask them to clarify if this was indeed the case.

 

I received the following reply:

 

"I confirm that our members are bound by the Consumer Credit Act."

 

If you look on their website, you will see that they also specifically refer to the CCA in regards to their codes of practice.

 

There is a list of members on the site, who have obviously joined in part for the credibility belonging to this association gives.

 

Therefore, a little more ammunition for those of us being told they do not need to provide CCA's.

 

 

If they can't provide a CCA when properly requested, then it's not the consumers fault.

  • Haha 5

All help is merely my opinion only - please seek legal advice if you need to as I am only qualified in SEN law.

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As requested, here is the full email (with identifying details cut out):

 

Dear Sir/Madam

 

 

Would it be possible for you to answer a question for me. Upon perusing your website, I noticed the following on your factsheet:

 

 

"Credit If you are selling goods on credit then you will require a credit licence from the Office of Fair Trading, London. Any documentation, which you use in connection with any credit sales, must comply with the Consumer Credit Act, in particular the Regulations, which have been issued under the Act."

 

 

Could you please confirm to me whether your members who offer credit facilities are bound by the Consumer Credit Act?

 

 

Many Thanks.

Tiglet

----- Original Message -----

From: Vikki Jolly MOTA

To: Tiglet

Sent: Monday, September 24, 2007 12:06 PM

Subject: RE: Enquiry

 

 

I confirm that our members are bound by the Consumer Credit Act.

Regards

The Mail Order Traders Association

PO Box 51909

London SW99 0WZ

T: 020 7735 3410

W: www.mota.org.uk

 

All help is merely my opinion only - please seek legal advice if you need to as I am only qualified in SEN law.

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Well that's jolly nice to know ;)

  • Barclays: WON!!! It took four months but was totally worth it!
  • Cabot: I'm still waiting for an enforcable agreement, more than a year after requesting it. Go on, Uncle Ken, take me to court if you dare. You know you want to!
  • Elephant.co.uk: VICTORY - they admitted there was no debt!
  • Ashbourne Management (gym membership): Finally got my default removed and out-of-court settlement; I'm not finished with them yet!

<--- If I've been helpful please remember the scales ;)

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Good old RW (don't want to get told off by mods for calling them anything else;) ).

 

They seem to think this is the case - would like to see them prove it in a court of law.

 

I really, really would ...

All help is merely my opinion only - please seek legal advice if you need to as I am only qualified in SEN law.

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  • 5 months later...

thanks tiglet for that little jem of info .

Cant wait till RW me old muckas get in touch again

Think il tell them

Write out 1000 times I MUST LEARN THE RULES .

CAG v dca

 

CAG EVERYTIME .....

KEEP RIGHT ON TILL THE END OF THE ROAD ........

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Be careful quoting replies to queries raised by other people in your challenges - if you want the same information, write to them yourself and get the same reply, otherwise the information is hearsay and can't be used effectively in any challenge.

 

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I would agree - you can also look at their website, however, which gives the information quoted in post 6 - I merely asked them to confirm what they had written on their website.

All help is merely my opinion only - please seek legal advice if you need to as I am only qualified in SEN law.

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  • 7 months later...

Although they may not be a member of Mota, they are still covered by the CCA rules if it is a catalogue.

All help is merely my opinion only - please seek legal advice if you need to as I am only qualified in SEN law.

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