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    • HP Mum
      Private Land parking issue

      By HP Mum · Posted

      I decided on confrontation - which I hate.  Omg the arrogance of the driver.  They refused to say who had given them the alleged permission to park on the private land - unless I proved ownership.  I couldn't believe they could be so objectionable.   They advised they couldn't take public transport to work as they lived too far away.  They couldn't rent a local garage as none were available. I simply said that's their issue not mine. It was infuriating that this person had such misplaced entitlement.  However I decided to humour them and show them the title deeds.   They couldn't respond.  Although at this point they alleged some guy in a city up north - whose name they couldn't remember - gave permission!!    They then asked if they could buy the garages and land!! Yet can't afford to park on a meter !! They seemed to back down and agree to now park elsewhere.  I hope so. 
    • HP Mum
      my Leasehold/Freehold property and its issues.

      By HP Mum · Posted

      I've worked out the contractor invoiced apx 250k - Without adding vat to the invoices.  So based on above he should have added vat to all invoices once he reached 85k?  Obviously he had to pay his labourers - would those payments get taken off what he received?  Or it doesn't matter cos he invoiced for the high sum?
    • mkontheroad
      Manchester Council fine for residential parking

      By mkontheroad · Posted

      Greetings, I'm writing to seek assistance with an ongoing issue I'm having with Manchester Council.  I parked my car in a residential area behind Wilmslow Road to go purchase some food, not realizing it was a no-parking zone. I later received a letter stating I had failed to make the required payment, and the penalty had increased. I appealed the fine, explaining that I had parked there but never received the original Penalty Charge Notice (PCN), so I was unaware of the need to pay. However, the council's reply did not address my initial concern. Is there anything I can do in this situation? I admit to parking there, and I was willing to pay the original fine, but I don't think it's fair for them to demand a doubled amount when they failed to send me the initial PCN.  Any advice or guidance you can provide would be greatly appreciated. Thank you in advance for your assistance.   MK Document.pdf
    • BankFodder
      Need help with huge amount of unsecured debt

      By BankFodder · Posted

      If you look at some of the other debt related threads will see that one of the first things which will be asked will be for you to list out your debts in a brief chronological order, including date of debt, amount, creditor, amount outstanding, defaulted – yes/no – date of default, date of last payment made, have you acknowledged the debt at all to the creditors. That lot at least. I expect that my colleague @dx100uk will be along but will meet to know at least that information
    • aries18pk
      Need help with huge amount of unsecured debt

      By aries18pk · Posted

      Hi, I have found this group very helpful hence I am here seeking help and advice.   I got myself into a situation where I have now more than £50k in unsecured debts (personal loans & credit cards) and things are now getting out of control as I am struggling to make payments. This is purely my own created situation and I am taking 100% responsibility for it. I am keen to get out of this situation as soon as possible hence I would appreciate any help and advice in this process. I am employed at the moment and don’t want to risk going into IVA or bankruptcy as this would risk losing my job. Being sole bread earner of my family, I cannot afford to lose my job. I have been trying to keep up with the payments so far and had few missed payments instances until 3/4 months ago but got caught up with missed payments somehow using my savings. All my debts are still with original lenders. However I know I am getting into same situation again shortly and won’t be able to get out of it again. I have started exploring Debt Management Plan (DMP) option through StepChange but haven’t submitted it yet. Based on budgeting, I have around £820 available to make payments to all lenders after taking care of all other essential expenses. This is definitely lot more affordable than what I am currently paying to different lenders. 1. Is DMP right option for me in current situation? 2. what are the negative consequences of availing DMP? 3. is there something else that I can do to get out of this situation? I’m determined to clear out all my debts but need bit of breathing space and time. Let me know please if you need any additional information. Thanks in advance for all your help and guidance. MM  

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    • If you are buying a used car – you need to read this survival guide.

      BankFodder posted a topic in Vehicle retailers and manufacturers,

      If you are buying a used car – you need to read this survival guide.
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    • Big Motoring World Enfield /Blackhorse - done over on car - @BigMotoringWrld

      ATJ posted a topic in Vehicle retailers and manufacturers,

      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 
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    • A2Dominion - Housing Association property flooding - damning ombudsman report

      WanTToMoveOn posted a topic in Residential and Commercial lettings/Freehold issues,

      Housing Association property flooding. https://www.consumeractiongroup.co.uk/topic/438641-housing-association-property-flooding/&do=findComment&comment=5124299
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    • Post in Suing a parcel delivery company when you don't have a direct contract with them – third-party rights Copy of judgment available

      BankFodder posted a post in a topic,

      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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      BankFodder

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Parcel delivery insurance is prohibited under section 57 – Consumer Rights Act – Read about It Here and in The Times.
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barry_2008

barry_2008

Posted
Posted
barry have you just escaped from ward 10?

 

No Embleton Ward d1cky lol.

Any typos spelling mistakes are due to leprechauns in my keyboard they move the letters around sometimes (edited for bookworm god bless her sole) Deep Peace be with you.

 

“I would say to the House as I said to those who have joined this government: I have

nothing to offer but blood, toil, tears and sweat. We have before us an ordeal of the

most grievous kind. We have before us many, many long months of struggle and of

suffering.

 

You ask, what is our aim? I can answer in one word: Victory. Victory at all costs —

Victory in spite of all terror — Victory, however long and hard the road may be, for

without victory there is no survival.”

 

(Winston Churchill Addressing the House of commons.)

 

All complaints go to the lootube. All conversations go in the white box then you click submit.

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landy_alert

landy_alert

Posted
Posted
I think many should be aware that it won't be long before the 'damage limitation' letters start rolling out of the banks. The main thing is to hold firm and not be directed by well versed (probably trained for weeks) bank employees telling you what they want you hear and do.

 

To me if the banks think they got away with it then they should be reminded otherwise. This is a big problem of banks once being respected and believed to what we have now, apparantly the exact opposite with professionals drawn in for the 'spin'.

 

Michael

 

Let's hope so Michael. It's great news that top barristers are prepared to fight our corner on this.

 

Unfortunately as someone said earlier on this thread - I think it was Middenmess - a lot of people are still going to be fooled by the mis-information being pushed out by the banks in the hope the poor little consumer will give up and go away.

 

My Father, a pensioner with no access to the internet (and no bank charges ever fortunately), called me yesterday with the news that according to the tv and newspapers he had seen it was all over for the bank charge victims, the banks had won - end of. He assumed that there was no point in me continuing now.

 

There must be stacks of other people out there who are just going to fall for the banks' weasel words and let the banks throw out their claims. Just because they don't have access to, or know about Cag and the other sites there is a chance the banks will ride roughshod over them again.

 

This cannot be allowed to happen:eek:

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angel_1

angel_1

Posted
Posted

hiya all

 

i would just like to say that we must believe and educate our family and friends that this is still very much alive, the campaign i mean

 

as i suspect that the banks will try and tell its customers otherwise;)

 

i bet if we call our banks we will be told they have won the case and customers will be hearing from them soon etc

 

impression is everything at the moment i suspect but i for one am ready to learn what i need to do in the next few weeks - lets face it we have been patient for such a long time, we can wait a few more weeks to get to the next stage for our claims to be sent in or to be amended

 

so keep the faith everyone,,, its just getting interesting :cool:

 

have a fun weekend all laters angel x

  • Haha 1

Im happy to help with support and my own thoughts, but if I offer any thoughts to your problems please take it as from my life experience only and not of any legal standing. Always take further advice from the legal experts in your final action.:)

 

my new motto is,,,",Taking back control of your life and home - such peace is priceless"

 

This is all due to truecall device , have a serious peek at this you will be thankful like I am x laters angel :D

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ammani

ammani

Posted
Posted

The banks are spreading their propaganda, about having won! Speaking to a clerk in my local court today, she informed me that banks had won and no one will get any money. I told her she had been misinformed!

 

It had occurred to me, that maybe we could produce some kind of leaflet,flier, informing people of what was actually going on. If someone knew what to put. Then we could all copy it and hand them out, better still put some in the banks, on their leaflet stands lol, or tape it to their windows. Just a thought.

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reallymadwoman

reallymadwoman

Posted
Posted

Just wait until the lovely legal people who are helping us all out have come up with the strategy, then get the press involved again. I understand it will be a couple of weeks, by which time the press will have forgotten this weeks headlines and will be ready to take the opposite view.

RMW

"If you want my parking space, please take my disability" Common car park sign in France.

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barry_2008

barry_2008

Posted
Posted
Let's hope so Michael. It's great news that top barristers are prepared to fight our corner on this.

 

Unfortunately as someone said earlier on this thread - I think it was Middenmess - a lot of people are still going to be fooled by the mis-information being pushed out by the banks in the hope the poor little consumer will give up and go away.

 

My Father, a pensioner with no access to the internet (and no bank charges ever fortunately), called me yesterday with the news that according to the tv and newspapers he had seen it was all over for the bank charge victims, the banks had won - end of. He assumed that there was no point in me continuing now.

 

There must be stacks of other people out there who are just going to fall for the banks' weasel words and let the banks throw out their claims. Just because they don't have access to, or know about Cag and the other sites there is a chance the banks will ride roughshod over them again.

 

This cannot be allowed to happen:eek:

 

Sounds familiar

 

Don't think about it to much.

Any typos spelling mistakes are due to leprechauns in my keyboard they move the letters around sometimes (edited for bookworm god bless her sole) Deep Peace be with you.

 

“I would say to the House as I said to those who have joined this government: I have

nothing to offer but blood, toil, tears and sweat. We have before us an ordeal of the

most grievous kind. We have before us many, many long months of struggle and of

suffering.

 

You ask, what is our aim? I can answer in one word: Victory. Victory at all costs —

Victory in spite of all terror — Victory, however long and hard the road may be, for

without victory there is no survival.”

 

(Winston Churchill Addressing the House of commons.)

 

All complaints go to the lootube. All conversations go in the white box then you click submit.

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andychurchill

andychurchill

Posted
Posted

I'm just itching to start the ball rolling on mine, my mother in law's and my missus's claims. I've not put any in yet, so they would be fresh, I wonder if it's worth sending them in now in preparation so that by the time the new templates are out, I can get straight onto the LBA and court claim stuff :)

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locutus

locutus

Posted
Posted

Start your own thread in the relevent bank forum and post a link here... I'm sure you'll get tonnes of advice!

If in doubt, contact a qualified insured legal professional (or my wife... she knows EVERYTHING)

 

Or send a cheque or postal order payable to Reclaim the Right Ltd.

to

923 Finchley Road London NW11 7PE

 

 

Click here if you fancy an email address that shows you mean business! (only £6 and that will really help CAG)

 

If you can't donate, please use the Internet Search boxes on the CAG pages - these will generate a small but regular income for the site

 

Please also consider using the

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pompeyfaith

pompeyfaith

Posted
Posted

New Announcement

 

The Consumer Forums - Announcements in Forum :

 

PF

Finally if you succeed with your claim please consider a donation to consumer action group as those donations keep this site alive.

 R.I.P BOB aka ROOSTER-UK you have always been a Gent on these boards and you will be remembered for that.

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berrylover

berrylover

Posted
Posted

Can I just ask if we should be doing anything about cases that have been "stayed" so that the banks can't just throw them out while the decision of what to do next is being made?

  • Haha 1

Beating the DCA's day by day

 

My fight:

NDR - CCA'd 12+2 passed

Bank of Scotland - CCA'd 12+2 passed

CFS - Win by Technical Knock-out!:lol:

HFC Bank - CCA'd 12+2 passed

Chantry Collections - CCA sent

 

Time flies like an arrow

Fruit flies like a banana :D

 

<---------- Have I given you top advice, have I made you laugh, click on the scales, it won't hurt you! :grin:

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stonedecroze

stonedecroze

Posted
Posted
Can I just ask if we should be doing anything about cases that have been "stayed" so that the banks can't just throw them out while the decision of what to do next is being made?

From speaking to my local court today either Complainant or Defendant can apply for stay to be lifted or case dismissed, this action cannot be taken by court alone, and if either party wishes to make a move, the other party must be informed. hope this helps:)

  • Haha 1

=======================================================================================================

[sIGPIC][/sIGPIC]

 

 

 

Halifax Won £1180.00

NatWest Won £876.00

Halifax 2 N1 submitted 20/07/07 stayed 24/08/07 N244 Application filed 31/08/07 hearing set for 12/11/07 rescheduled for 29/01/2008. Application dismissed stay still in place.

Charity Group £200 compo for lost passport.

HM revenue & Customs; demand for WTC overpayment £632.12. Disputed, their error. Did not have to repay.

All opinions expressed are my own and have no legal standing and no connection to CAG

 

All errors/typos etc are not my fault the blame lies with the spelling gremlins

 

<<<<<< If any of this has been helpful, PLEASE click my scales

 

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stonedecroze

stonedecroze

Posted
Posted

missed out line "and oppose action in court"

=======================================================================================================

[sIGPIC][/sIGPIC]

 

 

 

Halifax Won £1180.00

NatWest Won £876.00

Halifax 2 N1 submitted 20/07/07 stayed 24/08/07 N244 Application filed 31/08/07 hearing set for 12/11/07 rescheduled for 29/01/2008. Application dismissed stay still in place.

Charity Group £200 compo for lost passport.

HM revenue & Customs; demand for WTC overpayment £632.12. Disputed, their error. Did not have to repay.

All opinions expressed are my own and have no legal standing and no connection to CAG

 

All errors/typos etc are not my fault the blame lies with the spelling gremlins

 

<<<<<< If any of this has been helpful, PLEASE click my scales

 

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InformedSearcher

InformedSearcher

Posted
Posted
missed out line "and oppose action in court"

 

 

This alone would be the court's reliving the nightmare of 2007 alone. Probably an even worse nightmare for the banks too. :D Their 'legal', 'PR' and 'spin' departments will certainly be in a, erm, 'spin'.

Personally my liking for banks started to dwindle big time when HSBC were a bit too nice about taking my complaint - being as I am normally wary these days, I thought then it was a bit unexpected. I am however quite certain that their smug Canada Square heirachy will be drinking champers this weekend!

 

Michael

When I was young I thought that money was the most important thing in life; now that I am old I know that it is. (Oscar Wilde)

--I like to be helpful wherever possible however I'm not qualified in this field. I do consider carefully anything important (normally from personal experience) however please understand that any actions taken are at your own risk--

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barry_2008

barry_2008

Posted
Posted

emmasot all is not lost.

 

The Supreme Court has issued new guidance there is a template letter on this site you can send you're bank and that will lift the stay.

 

You need to amend the POC's as well but they require little amendment.

Any typos spelling mistakes are due to leprechauns in my keyboard they move the letters around sometimes (edited for bookworm god bless her sole) Deep Peace be with you.

 

“I would say to the House as I said to those who have joined this government: I have

nothing to offer but blood, toil, tears and sweat. We have before us an ordeal of the

most grievous kind. We have before us many, many long months of struggle and of

suffering.

 

You ask, what is our aim? I can answer in one word: Victory. Victory at all costs —

Victory in spite of all terror — Victory, however long and hard the road may be, for

without victory there is no survival.”

 

(Winston Churchill Addressing the House of commons.)

 

All complaints go to the lootube. All conversations go in the white box then you click submit.

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locutus

locutus

Posted
Posted
we can kiss our money good bye then 2 and a half years wait for nothing great!

Have you read the forum? Take a look at these 3 links. Ya never know, may get cash back before xmas!

 

The Consumer Forums - Announcements in Forum : The Bear Garden

 

The Consumer Forums - Announcements in Forum : The Bear Garden

 

The Consumer Forums - Announcements in Forum : The Bear Garden

If in doubt, contact a qualified insured legal professional (or my wife... she knows EVERYTHING)

 

Or send a cheque or postal order payable to Reclaim the Right Ltd.

to

923 Finchley Road London NW11 7PE

 

 

Click here if you fancy an email address that shows you mean business! (only £6 and that will really help CAG)

 

If you can't donate, please use the Internet Search boxes on the CAG pages - these will generate a small but regular income for the site

 

Please also consider using the

C.A.G. Toolbar

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pompeyfaith

pompeyfaith

Posted
Posted

everybody do not give up yet hey there is still laws on our side we can fight this we just need to all pull together

 

PF

Finally if you succeed with your claim please consider a donation to consumer action group as those donations keep this site alive.

 R.I.P BOB aka ROOSTER-UK you have always been a Gent on these boards and you will be remembered for that.

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