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    • Could you link us to BankFodder's post please? The judge's office means something different to me. HB
    • Hi LFI, With regard to the ANPR cameras in your post #65, while I was on the phone to the Planning Department, they did take a look at Google Streetview and went back to 2012 where they could see the ANPR cameras in place so therefore they would have deemed consent. I had previously read the T&C Planning Regulations and had read the section on deemed consent so I understood the point they made on the phone. It doesn't matter though, that doesn't harm my case any, and I shouldn't really mention this now, (this is what you reminded me of on another thread) but in the past I was a member of a scheme that gave me access to legal advice, I have spoken to a barrister previously through this scheme on another matter and I think I am still a member. I am going to check if I am still a member of the scheme, and if I am I will discuss my case with a barrister or solicitor, whichever the scheme deems appropriate. I will let you know the outcome. I am also going to take Bankfodders advice in the sticky and go to the local court and ask if I can sit in on a case in the Judges office.
    • deed?  you mean consent order you and her signed? concluding the case as long as you nor she break it's conditions signed upto? dx Yes sorry. they called it a deed at first in court.  Then Judge said she was happy to have it sealed as something else  exact names of orders in message above.     The disease was tested for when his cardiac testing was done immediately after purchase and part of the now sealed case.   However, results were disclosed incorrectly and I only found out  two days ago.   This disease did not form part of my knowledge during the case as I had been informed of a normal result that was not the case.   it is perfect clarity of a genetic disease where as the previous cardiac issue could be congenital until the pup is genetically tested. 
    • Hi, Halifax recently sold a credit card account of mine to Cabot. I am unemployed and have no assets and was thinking of making token £1 payments for 12-18 months in order to drag things out a bit and reduce the chance of Cabot being able to get the correct CCA documents from Halifax if I requested them in future. However, I saw on the pages on this forum about defending county court claims that one of the standard approaches when defending such claims is to say “I had an account with bank X, but I don’t remember the details and so don’t know if I owe this debt…”. If I made £1 payments to Cabot, would it prevent me from using such a defence in future? OC: Halifax DC: Cabot/Wescot Card account opened: 2016 Defaulted: 2023
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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.

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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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Random CitiFinancial Letter


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I have a loan with the above company (wish I didn't!) which I took out last summer. I received a letter from them at the weekend saying "Phone us urgently regarding your appointment"...I'm at work at the mo and will call them when I get home but has anyone else ever experienced this from them? I've never missed a payment (only been running 6 months) and not made any appointment...I'm thinking perhaps its some sort of trick to make me phone up and then they try and offer me more money??

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Citi Financial is one of my debts. All I can say is don't phone them and write to them. If they are going to claim there are any problems you are going to want it in writing. They are very good at changing things to suit themselves.

They currently seem to think I'm around £50 in arrears in my reduced payment agreement, which I'm not. They are currently "investigating" my claims that I'm not in arrears and have been making my payments.

My advice would be if you can get another loan and settle this one do it asap. They are an American Bank and seem to think they don't have to obey British Bank Codes of Practice.

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Hmmmm...cheers for the advice. So far I'm just trying to keep them sweet by making all my payments on time and not missed the first 6...just another "God knows how many" to go. Most annoying thing is I went in to get a loan for £2000 and ended up getting talked into whacking all my credit card debt onto them too.

 

Anyway, I just called them...she said "Oh, sorry, I ticked the wrong box on your letter, it was just a courtesy call to see if we can lower your APR and offer you more money"...so I was right! Sounds nice in theory but there's gotta be a catch, perhaps a hefty "rearrangement fee" or something?

 

My chances of getting a loan to replace this one are worse than slim having defaulted on a store card debt (currently being dragged through the courts).

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Don't refinance with them. I fell for that one, wish I hadn't, but it's all very well be wise after the event. Also, be very careful even if you are paying on time they have for some reason been charging £10.00 a month. I've had a devil of job with them following my SAR back in March.

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  • 2 months later...

Received ANOTHER letter from these people today saying the same thing: "Please call us regarding your account". Having been in strife with finances before, it still makes my heart flutter when I read something like that from a financial company but I know that I've never missed a payment with them, so it's bound to be them offering me more money....as tempting as it is, I am going to have to refuse!

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