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    • Include that in your witness statement along with that letter as an exhibit.
    • Yup, well so far they have lied to me about responding to a CCA,  are threatening me with a default notice that they don't have, produced a knocked up version of my NOA, sent me 29 pages of spew for an agreement. No wonder they pay 5 p in the pound for that crap.
    • Paragraph 2. I think there should be further down and also you should make the point that the payment to was made unilaterally and without the imposition of any conditions. Paragraph 3 – this is unnecessary because you are not claiming as an entitled third-party. This worries me because it makes me feel that you haven't fully read around because this is a paragraph which you would include where you were suing EVRi as a beneficial third party because you had actually made your contract with Packlink or some other broker. I think you need to revisit and do some more reading. I'm afraid I have a sense that you have simply copied this from somebody else's witness statement without understanding that it wasn't necessary. Please can you post the amended draft. Other than the suggestions above, it looks okay – but let's see it again for a further appraisal. In terms of the evidence, parties bundle, I think it might be an idea to start off with the correspondence with EVRi and then go onto the other evidence. You will have to amend the index page accordingly. You could shorten this bit. Take 19 is pretty well blank and you may as well miss it out also, there seems to be some repetition of emails and the email chain. I think will be worth going through and getting rid of duplicates if you can. 49 pages is a bit long and it would be a good idea to try and reduce the number. I have a feeling that 50 pages as the County Court limit anyway. The judge will be happier with you if the bundle is smaller. Maybe you could reduce the size of some of the images or messages et cetera. You have got several messages which straddle onto a second page so that things like sign off information and standard confidentiality information become orphans. A bit of manipulation and they could be joined to their parents I think. Page 31 as an example. So is page 19. You may only be up to shorten the whole thing by 56 pages – but I think it would be a good idea. 56 pages is, after all, 10%. If you can do more then so much the better
    • Investment by Dutch brewing giant will create 1,000 new jobs and reopen dozens of closed pubsView the full article
    • Qantas agrees to pay millions to settle lawsuit accusing it of selling tickets to cancelled flights.View the full article
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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
      • 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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what's going on? Case going to a higher court.


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Hello everybody, this is my first post, although I've been following this website for a while. I read in yesterday's Daily Mail that county courts in Gloucestershire and Uxbridge are throwing out summons for bank charges because someone is taking a bank to a higher court which could set a precedent. Apparently cases will be stayed until a ruling is made which banks and consumers will have to follow. After sending the NatWest Bank the Data Protection Act letter, a request for return of bank charges and an LBA, I took a claim to my local court today. Yesterday I received a letter from the Royal Bank of Scotland group saying that they disagreed with my request for return of charges, but as a gesture of goodwill, they were prepared to make a payment of £800, provided that I went to my local branch for a financial review. I suspect that this would mean trying to persuade me to convert the overdraft to a loan. They've tried this before.They did'nt seem to understand that a loan was to their advantage, not mine. Anyway, I'm claiming £2,490 charges and £542 interest. Does anyone know what is likely to happen whilst this other case goes to a higher court? Does this put the Banks in a more powerful position to try to dissuade us from pursuing them for charges? If anybody could clarify this for me, I'd be very grateful. Iwas considering writing back to the bank refusing their partial refund, but is there any point? thanks, Karen.

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Hello Karen.

 

The articles of which you speak are of cases blown out of all proportion, and I understand that these cases have both been settled.

 

Don't be put off continuing with your claim, if you pursue it to the end you will get all of it back!

 

Is your total amount claimed for enough to clear your OD completley? This would be the best solution of all!

 

Crusher :D

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Just stick with it Karen and you'll soon see a FULL refund

..

.

 

Opinions given herein are made informally by myself as a lay-person in good faith based on personal experience. For legal advice, you must always consult a registered and insured lawyer.

 

 

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  • 4 weeks later...

OK,I have started court proceedings, and the Natwest have acknowledged. Still moving forward. However, I ought to get another current account set up in case they threaten to close existing account. Our credit ratig is poor, and we were turned down by the Halifax on that basis. Can anyone suggest where I can read up on setting up an account when you have a poor credit rating, please? We won't require a chequebook or overdraft, but a debit card would be needed. Any suggestions, anyone? Thanks very much, Karen.

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  • 2 months later...

Hello karen. I am now going through the same process as you. I sent the lba 20 days ago and have now issued court proceedings today. Recieved a letter today from natwest declining to refund all charges and have doubled there offer to 825. An insult as they owe me 2500. They will now get the court summons.

In answer to your question my credit rating is bad and I could only get a cash account at lloyds tsb which will allow you to pay money in and take it out. It is a very basic account but does the job.

 

Good luck

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karen I have just posted a note with regards my claim against the Abbey here in Swindon. Nad at the moment the courts are staying the proceedings untill 1st March 07, as there apparently is going to be a test case in the near future. Not sure what happens next but looks like the law is getting a bit fed up with all these cases against the banks and things may soon be moving on. In our favour we hope.

 

best of luck from Shaun

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