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    • I've had a quick (well, quick for a thread of this length),  read of this thread and to be honest I'm struggling to make heads nor tails of the actual crux of the issue here. You seem awfully convinced that whatever is going on is worth the fight and the odds are in your favour but with how the thread has gone it seems that one trail goes cold so you simply move on to another in an attempt to delay the inevitable. All it does is end up digging holes and confusing others and yourself which means any advice given to you is completely pointless. I note that for the life of this thread there has not been any documentation or correspondence uploaded for people to have a look. Have you got any that you'd be willing to redact and upload for members to assist you? Right now, it seems people are shooting out advice while being in the dark because it's starting to become very difficult for people who weren't here at the start of this (including myself) to follow along. Right now, this whole thread is just hypothetical "He said, she said" and is going nowhere fast. Nothing more than basic advice can be given which, as you've sought out some legal advice, is likely not sufficient to actually come to any sort of conclusion. I, personally, am starting to agree with others that it may be best to consider bankruptcy and put the matter behind you.  
    • Thanks for coming back to us. There are no guarantees - but remember that so far MET have not had the guts to put even a single case before a judge.  Not once. Yours is one of seven court cases. Three ongoing like yours. In two MET bottled it as Witness Statement stage approached. In one the allocating judge decided their Particulars of Claim were rubbish and threw the case in the bin. Just the one victory by MET by default when the motorist stupidly didn't file a defence. So there is every chance that MET will throw in the towel in your case too if you stand firm. Please keep us informed of what is happening. Regarding being abroad, that is no reason for things going wrong, you can request an on-line hearing and we've had several cases where the PPC gave up when the motorist moved abroad. But please keep us in the loop.
    • No, I think you're fine with the exhibits you've prepared. Exhibit 1 - photos Exhibit 2 - para 107 of Beavis Exhibit 3 - CPR request Exhibit 4 - Excel v Wilkinson
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    • If you are buying a used car – you need to read this survival guide.
      • 1 reply
    • 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
      • 161 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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H.O.L Test case appeal. Judgement Declared. ***See Announcements***


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Has any one seen the letters from the main politicians On Martin Lewis's Website.

 

The Pm apparently thinks that a automatic payout is a good idea.

 

Am I aloud to post the link?

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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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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Sounds like a good idea

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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Has any one seen the letters from the main politicians On Martin Lewis's Website.

 

The Pm apparently thinks that a automatic payout is a good idea.

 

Am I aloud to post the link?

But that is only once the "substantive issues" have been decided by a court so it won't be after the Supreme Court decision which is the final part of the "preliminary issues".

Politicians say many things when a general election is less than a year away ;)

.

FSA Waiver on Bank Charges:http://www.fsa.gov.uk/pages/Doing/Regulated/Notify/Waiver/pdf/dir_quart_0709.pdf

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But that is only once the "substantive issues" have been decided by a court so it won't be after the Supreme Court decision which is the final part of the "preliminary issues".

Politicians say many things when a general election is less than a year away ;)

If they really had the power to force automatic payouts at that time, would it change from a "promise" to an "aspiration"? :lol:

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Had occasion to speak with 'Customer services' at HBOS when chasing up my claim for repayment of late charges.

 

Chatting whilst waiting for information to appear on her screen,I asked how busy that department was..

 

'Very busy' came the reply 'but we are dreading next week when all the other complaints start coming in'

 

I wonder what she meant:-)

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Had occasion to speak with 'Customer services' at HBOS when chasing up my claim for repayment of late charges.

 

Chatting whilst waiting for information to appear on her screen,I asked how busy that department was..

 

'Very busy' came the reply 'but we are dreading next week when all the other complaints start coming in'

 

I wonder what she meant:-)

 

Isn't it truly amazing what information someone can let slip when 'chatting'!

 

Since HSBC sold my accounts to Marlin and Marlin got sent packing in court, would it be truly evil to get my claim for charges in to HSBC now?

RMW

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

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Isn't it truly amazing what information someone can let slip when 'chatting'!

 

Since HSBC sold my accounts to Marlin and Marlin got sent packing in court, would it be truly evil to get my claim for charges in to HSBC now?

 

Absolutely evil RMW.. go on, go for it :lol:

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You know what is sad about all this so called political intervention is that's it's not for any of our benefits. I also notice that no politician say the magic word 'all' as in reference to paying back these charges.

Personally I've never been too sure about the motives of politicians. In fact we all saw what might be a glimpse of the true motives a while back. If that were any of us we'd have had penalties and cautions slapped on us. Once politicians involve themselves with anything relating to finance and bisiness you know it's a sure route to disaster. The pure thought of them now albeit for a temporary period going to take over the Railways East Line should put worry in anyone who travels on it.

 

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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"The pure thought of them now albeit for a temporary period going to take over the Railways East Line should put worry in anyone who travels on it."

 

They should just be honest and go back to calling it British Railways (Eastern Region) again.

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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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Hell, as I read that I thought initially they were referring to the UK financial institutions! :rolleyes:

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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IS,

 

lol Just the thought is nice

 

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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"The pure thought of them now albeit for a temporary period going to take over the Railways East Line should put worry in anyone who travels on it."

 

They should just be honest and go back to calling it British Railways (Eastern Region) again.

 

NetworkRail owns the track and the stations and any moves to bring everything back under one roof should be applauded.

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What the piggn' hell has Network Rail got to do with the Bank Charges? :D

 

Some people will need to use the rail network to get to London to hear the Supreme Court Judgement in person.

Surely, you knew that ;)

.

FSA Waiver on Bank Charges:http://www.fsa.gov.uk/pages/Doing/Regulated/Notify/Waiver/pdf/dir_quart_0709.pdf

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are we still set to find out tomorrow or will they keep us waiting and waiting :(

If tomorrow is 25th November then yes, otherwise the answer is no.

.

FSA Waiver on Bank Charges:http://www.fsa.gov.uk/pages/Doing/Regulated/Notify/Waiver/pdf/dir_quart_0709.pdf

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dam :( it was the 19th, i might go down there myself and give them what for :D

 

Don't make it a criminal case rather than a civil one as it is at the moment, lol.

.

FSA Waiver on Bank Charges:http://www.fsa.gov.uk/pages/Doing/Regulated/Notify/Waiver/pdf/dir_quart_0709.pdf

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I really do hope that after all this time there is no need for individual court action, payments including interest and compensation for your loss had better be set whenever this is all done n dusted or its been a complete waste of time, roll on black wednesday.

 

It is unlikely anything apart from whether bank charge terms can be assessed for fairness will be resolved on Wednesday of next week. The Substantive issues should cover that.

.

FSA Waiver on Bank Charges:http://www.fsa.gov.uk/pages/Doing/Regulated/Notify/Waiver/pdf/dir_quart_0709.pdf

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