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    • "an “entrepreneurial political start-up” with Mr Farage as the company’s director and majority shareholder, there was no internal leadership election, like Labour or the Conservative Party. Mr Farage claimed Reform UK would “democratise over time” after he was accused of running a “one-man dictatorship” by broadcasters."   and I see farage is blaming Tice for the shoddy/corrupt/racist/misogynist/Hitlerite/not worth the paper they were written on - which was all they were ...  redeform co ltd  candidates “Those candidates were there months before,” farage insisted. “I inherited that.”   Reform UK’s campaign: bootstrap funding, rogue candidates and a ‘weary’ Nigel Farage WWW.FT.COM Arch-Brexiter has propelled party up the polls, but reliance on one person is a weakness   Why Nigel Farage’s Reform is a company and not a party - and what that means WWW.INDEPENDENT.CO.UK Nigel Farage is director and majority shareholder of Reform UK - which he insists will ‘democratise over time’  
    • In other news. Water is wet.
    • Well… thank you all for your time.  Very much appreciated 
    • Well anyone who issues a court claim against you has the higher ground and power Beit a DCA or even the Milkman. With regards to never paying a DCA well I agree but only after I had done the relevant ground work ....Notice of Assignment/ CCA request/etc and whether there was a dispute with the original creditor and of course which DCA if they are litigious.
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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.

      Please can you advise what I need to do today to get this done. 

      Many thanks 
      • 81 replies
    • 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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No signed agreement - Court Action HSBC PLEASE HELP

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I have a default registered by HSBC since 2003. I have asked HSBC to produce a signed copy of agreement, I've aslo served them s10 and s12 notice for them cease processing my data. HSBC replied to my first request saying no agreement are available and sent me copy of their terms of business. I made request for S.A.R - (Subject Access Request) in November 2007 they have not even replied to this request.


HSBC also refused to comply with s10 and s12 of Data Protection Act.


I am trying to get a mortgage and loan and I have been refused to get any. I am now thinking of issuing court proceeding to get the default removed. Can someone please tell me whether this is possible. As there are no sign agreement nor any statements are available, how can HSBC continue or even defend their case.


If anyone can help me with some advice and guidance I would appreciate it very much.


Thank you

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Hi jononi, welcome to the forum -:)


This might help with your Data Protection Act problem - it seems to cover most infringements..... (courtesy of alanfromderby)




Best of Luck


Nemo me impune lacessit



Advice & opinions given by johnnymitch are personal, are not endorsed by Consumer Action Group or Bank 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.



If you think I've helped you please feel free to tickle my star :-D

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