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    • Hello everyone.    I am looking for some advice regarding a situation that has came up recently.    Around 3 months ago I gave my brother a loan of a mobile phone I had due to his being faulty and him unable to afford a new one at the time. This mobile was the phone I used in my small business, but due to covid work has been lacking and I wasn’t using it so I decided to let my brother use it for a short time and I would use my personal phone for work. The phone is on contract with Vodafone.    Sadly 3 weeks ago I found my brother passed away at his home. Due to my brother being so young and his death being sudden there has been a police involvement. I’ve been dealing with my brothers affairs over the past week and quickly noticed the mobile phone I had loaned to him wasn’t around. After making some enquiries with people I quickly found out my brother had actually sold the mobile phone to a CEX store for £393 around a month before his passing. Straight away I contacted Vodafone and had the phone blocked.   I immediately went to the CEX store who confirmed they had purchased the phone. I gave them my proof of ownership etc to confirm I am the owner of the phone. After a short discussion and me telling the manager that I am the owner of the phone and would like it returned to me the manager told me I would have to contact the police for it to be resolved. They said the only way they would hand over the mobile would be if the police came in and requested it. I thought that was fine and I contacted the police. I spoke with the officer who was looking into my brothers death who informed me that the case is a civil matter and because my brother had passed away the police would be unable to pursue any criminal proceedings.    At this point I began communicating with CEX via there customer service at head office. They initially seemed helpful and when I told them the police will not begin any proceedings they were happy with this and were keen to resolve with me. They said I would be called by a member of management to resolve. One of the companies operations managers contacted me the next day. To cut a long story short they said they would return the phone to me if I purchased it at the amount they gave my brother for the phone (£393). I politely refused stating I was the legal owner of the phone, my brother had no right to sell the device, the phone was under contract in my name and I would like it returned immediately. He said he would speak further with his upper management and would get back to me.    A few days had passed without anyone contacting me. I have now received an email from CEX stating again that the only way they will return the phone is if the police investigate. They said they have made there own enquiries and that my brother being dead is irrelevant (their words) and the police will still investigate.    I am now at a loss in what to do. The phone is a high end device and I still have around 14 months left on the contract at nearly £70 per month. Can anyone tell me if I would have any chance of success going to court about this? The phone is blocked and currently just an expensive paperweight to CEX. I have no idea why my brother sold the phone and sadly I will never find out. Things are very difficult at the moment as it is as I’m grieving my brother but my head is all over the place about what to think and do.    Thanks in advance     
    • Government will be faced with very difficult choices.   I am hearing that some businesses are really struggling due to supply issues.  If they cannot sell the goods or provide the service, they may not have the cashflow to continue to pay wages.    Any further lockdowns could force businesses to fail and Government may have to step in again with financial support to pay wages, as well as help with business expenses.    
    • or even existing variants
    • Looks like Christmas will be cancelled again then UB.  Kappa variant then?
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H.O.L Test case appeal. Judgement Declared. ***See Announcements***


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Mean while the cases are on hold.

For how long who really knows.

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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Now I know where everyone is hiding lol will be interesting to see how many of us will be here come Wednesday record number maybe ?

 

PF

If I have been of help to you please feel free to click my scales to the left Thanks.:)

I have no legal training and the advice I offer is what I have learnt here and offered as a matter of support. Before you commit to any Legal action you are advised to contact a qualified legal practitioner.

 

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

 

CARTER V Co-Op

BANK CHARGES

REFUNDED £3567

 

POMPEYFAITH V Co-Op PPI

OFFER MADE BUT REFUSED

ONGOING AND STILL ONGOING

NOW WITH THE OMBUDSMAN

 

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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Personally I want everything back! I don't want a situation whereby someone says that is fair as an amount. I think we all want that. What 'grinds' with me is that these financial institutions have had the power to ride roughshod over just about everyone using legal force which none of us could possibly contemplate not afford. My point earlier was that if the Treasury are now going to consider their own pressure then why did they not do it initially?

The end result if we look at it is that UK banks have (banking) licenses and basically control the countries economy. In so doing these 'non elected' (by us) controllers can manipulate how our lives are run. They can as they have caused many people to become bankrupt, faced gardship and acted quite 'aloof' to it all. If an average person in the street wants to contact someone who made these high level decisions they cannot! Even now the baks act behind lagalities and the directors ignore the relities of people suffering. I once had a share portfolio and that made me eligible to speak to a director if I wished - Shall I say it should have been eay to do but it never happened. The same at AGM's where the major shareholders are seldom average people but other multi nationals in various shapes and forms that override any viable grievance you might have. The only person ever to sway a company was the gentleman with HSBC who was a cleaner and got cult status in arguing about pay a few years ago!

 

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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Have just sent this to the BBC's DemocracyLive website, perhaps others could join in?:

 

To:[email protected]

 

Is Democracy Live going to cover the historic Supreme Court decision on Bank Charges on Wednesday 25th November at 9.45 a.m.?

 

House Of Lords Court Decisions have been shown live in the past (e.g. Pinochet decision). This decision will be big news in any event, but the massive public interest will ensure massive viewing figures, especially if trailed.

 

Bearing in mind the processes of the independent judiciary are a crucial part of the UK concept of Democracy, I would have thought that the key Supreme Court decisions should be covered (especially live) by Democracy Live.

 

Bearing in mind the considerable change involved in the move from House of Lords to Supreme court it would be good to cover the event anyway so as to show the public how the new system works.

 

A decision which will have a direct impact on the bank balances of millions and on an issue which has involved one of the most important and influential consumer pressure groups of modern times would be, I think, prime reasons for covering the whole judgement live and show off Democracy Live as being able to do this.

 

At 9.45 a.m. there's not much else democracy going on anyway?

 

I am assuming the judgement won't just be handed down and will be read out, by the way. I understand many representatives of the consumer pressure groups are travelling down to London to be present.

 

John Clancy

Edited by jclancy
typo
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Wednesdays are PM Question Time day

 

Good post though JC

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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"I sincerely believe, with you, that banking establishments are more dangerous than standing armies; and that the principle of spending money to be paid by posterity, under the name of funding, is but swindling futurity on a large scale.” Thomas Jefferson President of the United States

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"I sincerely believe, with you, that banking establishments are more dangerous than standing armies; and that the principle of spending money to be paid by posterity, under the name of funding, is but swindling futurity on a large scale.” Thomas Jefferson President of the United States

 

Well said!

 

Where Have i heard that before?

 

That was said in 1802 ?

 

what will it take for us to heed his warnings?

Edited by SPROUTY

'I believe that banking institutions are more dangerous to our liberties than standing armies. If the American people ever allow private banks to control the issue of their currency, first by inflation, then by deflation, the banks and corporations that will grow up around the banks will deprive the people of all property until their children wake-up homeless on the continent their fathers conquered.'

Thomas Jefferson 1802

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Here's More

 

'I believe that banking institutions are more dangerous to our liberties than standing armies. If the American people ever allow private banks to control the issue of their currency, first by inflation, then by deflation, the banks and corporations that will grow up around the banks will deprive the people of all property until their children wake-up homeless on the continent their fathers conquered.'

Thomas Jefferson 1802

'I believe that banking institutions are more dangerous to our liberties than standing armies. If the American people ever allow private banks to control the issue of their currency, first by inflation, then by deflation, the banks and corporations that will grow up around the banks will deprive the people of all property until their children wake-up homeless on the continent their fathers conquered.'

Thomas Jefferson 1802

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A bit of off the wall reporting on the case here:

 

Please feel free to tear into the comments posted...

 

Edit

 

 

I have particularly those by 'Fred the shed' who's posts seem somewhat reminiscent of another complete jerk we had on here some time ago

Edited by freakyleaky
Unauthorised link removed from quote
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Ive just turned on the fridge, for the first time in two years.... just to chill the vintage Bolinger for wednesday's announcement.when we win the first round

 

You would be wise to swop that for a can of lager.

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Here's More

 

'I believe that banking institutions are more dangerous to our liberties than standing armies. If the American people ever allow private banks to control the issue of their currency, first by inflation, then by deflation, the banks and corporations that will grow up around the banks will deprive the people of all property until their children wake-up homeless on the continent their fathers conquered.'

Thomas Jefferson 1802

 

 

It shows graphically how the present shower have learnt now't

 

I assume everyone knows that the Fed is a private company owned by amongst others Rothschilds Bankers

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"Some people think that the Federal Reserve Banks are United States Government institutions. They are private monopolies which prey upon the people of these United States for the benefit of themselves and their foreign customers; foreign and domestic speculators and swindlers; and rich and predatory money lenders."

– The Honorable Louis McFadden, Chairman of the House Banking and Currency Committee in the 1930s

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"you can nearly smell the methanol" on here? Wow. I must be hanging around the wrong part of the forum then. :razz:

Misread that 1st take... I wondered why everyone was eating cough sweets :p

 

 

So, worst case scenario, and the banks somehow manage to swindle it so that their contracts are not assessable for fairness... What kind of changes we can expect in our T & C? and who will the 1st bank to charge £50 + for a returned DD be?

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

 

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"Res ipsa loquitur". If the banks are found guilty dose this mean they in fact have breached trust in the contract?

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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the tension is almost unbearable..... I cant wait till tomorrow I bet this thread gets a thousand posts alone..... is anyone taking bets on the decision?

 

believe it or not I am taking day off tomorrow to take in all the info which will be fired out tomorrow.....

Only direct action by the masses will work....

 

Look at all successes they have never come from negotiation!!!

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Tomorrow is a landmark day in history of banking.

 

Already we have the Daily Express reporting banks may charge unfair fees on withdrawing our own money from cash machines and they could be forced to pay up to 22 billion back. (wish it was gazillion the thieving trolls)

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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Well Im not holding my breath.

 

Having said that I did notice HSBC has refunded £50 bank charges taken from my account last month without explanation????

 

Maybe they already know the writing is on the wall?

 

Then again, maybe the law lords will just go with the banks (depending how how much their buyout cost?

 

Mailman

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