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    • Just to cover yourself, you should write them a letter in response telling them that you are rejecting their offer. That they know full well that their insurance is an attempt to limit or exclude liability contrary to section 57 Consumer rights act and is a secondary contract contrary to section 72.  By the way was the offer made without prejudice or in confidence or anything? Maybe you could post up their offer here please
    • "Dear HR, I refer to my correspondence of *date* in which I challenged xxx, copy attached. Clearly this was a grievance, and yet does not seem to have been heard under the grievance procedure. I am exceptionally dismayed that this 'review'. which never took place, seems to be being used as a criteria in redundancy selection proceedings. As this is time critical, please advise asap."            
    • Just to update, received a revised offer of £75 from P2G after they got my LOC last Friday. They stated that because it was not insured this would be their final offer. Looks like we are going to court.
    • and speaking of cover-ups .. from the environment agency with collusion/negligence  from the ICO   Environment Agency chief admits regulator buries freedom of information requests Speaking at the UK River Summit, Philip Duffy said officials do not want to reveal the true ‘embarrassing’ environmental picture ICO - waffle Environment Agency chief admits regulator buries freedom of information requests | Environment Agency | The Guardian WWW.THEGUARDIAN.COM Speaking at the UK River Summit, Philip Duffy said officials do not want to reveal the true ‘embarrassing’ environmental picture   Environment Agency ‘hiding’ report into Lancashire landfill making locals ill Exclusive The agency has refused to share details of how a landfill operator is breaching its permit because it could 'potentially cause unnecessary concern'    Environment Agency ‘hiding’ report into Lancashire landfill making locals ill INEWS.CO.UK The agency has refused to share details of how a landfill operator is breaching its permit because it could 'potentially cause unnecessary...  
    • As Dan Neidle pointed out on Twitter/X, pensioners used to have a higher personal allowance before they paid tax, but this government removed it a few years ago.
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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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An interesting twist...


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...with the current turmoil in retail banking showing no sign of abating, and a very real possibility that the Chancellor may announce Government intervention within the banking industry, there is an opportunity for the Government, as a shareholder, to be culpable for bank charges. If they are proved to be unlawful, or if they are not proved to be lawful, where will that leave things regarding the OFT test case, and how will that affect the courts system? Something to watch over the coming weeks...

Alecto, Magaera et Tisiphone: Nemesis on Earth is come.

 

All advice and opinions given by Spiceskull are personal, and are not endorsed by Consumer Action Group or Bank Action Group. 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.

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A perfect election winner.

I Wish you everything you wish yourself.

 

NatWest Claimed £1,639. Accepted £1,344.

Natwest Paid me again as GOGW £1,656. Yes they can have it back if they say please.

Barclays 1 Claimed £1,260. Won by default. Paid in full

Barclays 2 Claimed £2,378. Won by default. Paid in full

Birmingham Midshires. Claimed £2,122. Accepted £2,075.

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well at least some of the cabinet will already have had experience of being convicted :rolleyes:
Ooooh! meeeoow! Are you talking cuurent cabinet or forthcoming cabinet?

Alecto, Magaera et Tisiphone: Nemesis on Earth is come.

 

All advice and opinions given by Spiceskull are personal, and are not endorsed by Consumer Action Group or Bank Action Group. 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.

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  • 2 weeks later...

...and so it came to pass...what a pickle we are all going to be in now...can the Government really allow taxpayers to be 'charged' £38 for going overdrawn?

Alecto, Magaera et Tisiphone: Nemesis on Earth is come.

 

All advice and opinions given by Spiceskull are personal, and are not endorsed by Consumer Action Group or Bank Action Group. 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.

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A perfect election winner.

I Wish you everything you wish yourself.

 

NatWest Claimed £1,639. Accepted £1,344.

Natwest Paid me again as GOGW £1,656. Yes they can have it back if they say please.

Barclays 1 Claimed £1,260. Won by default. Paid in full

Barclays 2 Claimed £2,378. Won by default. Paid in full

Birmingham Midshires. Claimed £2,122. Accepted £2,075.

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I note also that Northern Rock (the Government Bank) is now reposessing homes at a phenomenal rate, something like three time the industry average...

 

Perhaps the Government wishes to finally do away with PFI, and abandon the '200,000 new homes a year' policy - instead they believe it will be cheaper to just come along and take them away from people, and build the social housing stock that way instead.

Alecto, Magaera et Tisiphone: Nemesis on Earth is come.

 

All advice and opinions given by Spiceskull are personal, and are not endorsed by Consumer Action Group or Bank Action Group. 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.

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