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    • Thanks for your responses.  I feel a little bit better now.  I really got the wind put up me when I read about 'bad character and reprehensible behaviour of non-defendant witnesses' and the press guidelines from the Independent Press Standards Organisation. court-reporting-public.pdf (ipso.co.uk) Reporting Restrictions in the Criminal Courts (July 2023) (judiciary.uk) It's a tricky one because, without going into too much detail, all of the victims are of bad character already, otherwise they never would have met the accused, and I fear that the very much tumultuous relationship I have had with the victim that connects me to this case is going to be broadcast for all to hear. The accused isn't going to be anonymous, his name and even his home address were reported in the national press in the preliminaries.    Thank you.
    • How long is the finance arrangement for and how much has been paid?
    • From their own terms and conditions on the website... https://www.carfinance247.co.uk/terms-and-conditions 6.1 CarFinance247 Limited offers a: 6.1.1  web chat service ("Web Chat"); and 6.1.2  SMS chat service ("SMS Chat"), which, provided your application for finance has been approved and you have created a MyCarFinance247 account in accordance with these Terms, enable you to chat either online or via text message (as applicable) to one of our customer service specialists, without having to make a phone call.
    • I've had a text and email from MCB: "Dear XXXXX Please contact us today. Your payment has not been brought up to date and we would like to discuss your account with you as a matter of urgency. Our telephone number is 02039236888"   " Early investigations confirm you are resident at the above address. Despite this, we have not managed to speak to you about your now, seriously overdue debt.   We are now instructing our external debt collectors to contact you directly in relation to your loan account. If you want to avoid this course of action, contact us today on 0203 923 6888"
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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 
      • 81 replies
    • 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.
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      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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I was replying in a post of mine and came out and saw this above TheConsumerActionGroup site title. Yes! It was this big! This is the link http://www.consumeractiongroup.co.uk/forum/halifax-bank/7872-mechs-wife-vrs-halifax-2.html#post99410

 

Mechs & Wife vrs Halifax Card Services

 

Edit: Hmmm interesting ... I copied and pasted it but when I closed this post it is no longer big etc., etc. Must be gremlins!

:) Go on ... you know you want to click me :)

:lol:don't be like the banks - give a little back :lol:

:D There was a time before CAG but now CAG is here we are the empowered! :D

In progress:

Mechs and Mother (deceased) V Halifax - N1 form filed at Court 9 Aug 06

Advice & opinions of mechs, The Consumer Action Group and The Bank Action Group are offered informally, without prejudice & without liability. Seek advice of a qualified insured professional if you have any doubts.

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I saw it I saw it!!11 *jumps up and down!*

 

Must be Admin sorting the settings out of something!;-)

 

rofl.gifglad you saw it too, Lueeze ... thought I was going CAG crazy lol

 

Yes... must also be why every new person who joins is now saying hello in the Bear garden, and I then move their blooming post to the right forum! :confused:

 

not sure what to say on that, Bookworm ... hmmm never rains but it pours new members? hmm there must be an appropriate quotation to fit somewhere :lol:

:) Go on ... you know you want to click me :)

:lol:don't be like the banks - give a little back :lol:

:D There was a time before CAG but now CAG is here we are the empowered! :D

In progress:

Mechs and Mother (deceased) V Halifax - N1 form filed at Court 9 Aug 06

Advice & opinions of mechs, The Consumer Action Group and The Bank Action Group are offered informally, without prejudice & without liability. Seek advice of a qualified insured professional if you have any doubts.

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It was the Northern Lights

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It was the Northern Lights

 

laugh.gif but we're in the south pmsl

:) Go on ... you know you want to click me :)

:lol:don't be like the banks - give a little back :lol:

:D There was a time before CAG but now CAG is here we are the empowered! :D

In progress:

Mechs and Mother (deceased) V Halifax - N1 form filed at Court 9 Aug 06

Advice & opinions of mechs, The Consumer Action Group and The Bank Action Group are offered informally, without prejudice & without liability. Seek advice of a qualified insured professional if you have any doubts.

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Yes... must also be why every new person who joins is now saying hello in the Bear garden, and I then move their blooming post to the right forum! :confused:

what is going on with that??! there's dozens of 'em in there, did something change? cos its only been the last couple of days!

 

ps who was the boxer you won the mouthing off punch up with? please let it be our wonderful local brighton celebrity nutter!

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Guest Zooman

bloody hell they have gone and put a welcome forum up now.

 

Knowing what a hard job the CAG team already have I think those of us who can spare a few Min's should go a long and welcome the newbies (a sort of welcoming committee) and take the pressure of the CAG team.

 

Well I'm going to do it I may not be able to help answering questions of law but I can certainly welcome newbies and point them to information on the site.

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Where have all these newbies come from??

 

My fingers are getting tired typing "Read the FAQ's" :)

Just the FAQ’s ma'am. Please read 'em thoroughly before jumping in. Cheers :)

 

Find all the letters under the rainbow here

 

Being a man, I am always right (however I will make no admission of liability if you have misinterpreted my instructions!! :) ) If you are in any doubt, then consult a professional. All opinions offered on this site are just that, and should not be taken as legal advice.

 

Halifax - £1400 reclaimed. Now on a crusade to help others!

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Guest Zooman
Where have all these newbies come from??

 

My fingers are getting tired typing "Read the FAQ's" :)

Mine to but I think yours more :D. It worth it. Don't get drawn into answering detailed questions.
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The newbie forum is a great idea - perhaps it could be improved by having another sticky (in a big bold font) that points to the FAQs, Template letters & Spreadsheet with an brief explanation of what they should do as soon as they start (as in read all of the links here first BEFORE asking questions, jumping in feet first, etc.). :)

Jeep (The Wife & I)

Halifax joint a/c (£3800 charges + £40 interest on charges over 11 years) - paid in full 23/06/06

Halifax joint a/c new charges £1100 - LBA sent 02/08/06

Halifax 2nd a/c (£1500 charges + £150 interest on charges) - partial payment received 13/07/06 (no s69 interest) - AQ filed 07/08/06 - Court awarded 50% of s69 interest (Bank didn't turn up!)

Halifax Visa (#1) Data Protection Act sent - statements arrived - £350 so far

Halifax Visa (#2) Data Protection Act sent - refunded £170

DONATE - Support this site, it supported you!

Follow the route: FAQs > Template Library > Parachute Account > Bank Forums > Spreadsheet

All advice given in good faith and without prejudice or liability, to be taken at your own risk!

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bloody hell they have gone and put a welcome forum up now.

 

Knowing what a hard job the CAG team already have I think those of us who can spare a few Min's should go a long and welcome the newbies (a sort of welcoming committee) and take the pressure of the CAG team.

 

Well I'm going to do it I may not be able to help answering questions of law but I can certainly welcome newbies and point them to information on the site.

 

:) good suggestion, Zooman! The CAG team deserve all the help they can get as they must be under one hell of a lot of presure trying to help everyone!

:) Go on ... you know you want to click me :)

:lol:don't be like the banks - give a little back :lol:

:D There was a time before CAG but now CAG is here we are the empowered! :D

In progress:

Mechs and Mother (deceased) V Halifax - N1 form filed at Court 9 Aug 06

Advice & opinions of mechs, The Consumer Action Group and The Bank Action Group are offered informally, without prejudice & without liability. Seek advice of a qualified insured professional if you have any doubts.

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:) good suggestion, Zooman! The CAG team deserve all the help they can get as they must be under one hell of a lot of presure trying to help everyone!

 

I agree, how is it possible for the moderators to cope with the growth we are experiencing at the mo' at the beginning of june it was 22000, now its 38000.

the concern is that disproportionate time has to be spent newbie hand holding, this may be irritating to experienced users but it is essential to make everyone feel welcome and included in the positive drive of the site. i asked the stoopidest q's when i first joined, we all did in some way!

The concern tho is that as more people get toward moneyclaim simultaneously then the need for technical advice grows, that is the time when the advice can be critical. I guess more experienced users will help out and advise especially if they have completed their claims successfully.

are there more mods in training?

in the meantime i'm off for some newbie action, i like the new forum but i wondered, doesn't that now mean virtually all newbies threads will have to be manually intervened(!) to put them on their own banks thread? creating more work for the mods??

however they are coping, they're doing a fantastic job.

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