Jump to content


  • Tweets

  • Posts

    • I had some contact with this company earlier in my working life but I'm afraid there's not a lot I can suggest that you haven't already done. During your grandfather's time  British Celanese was a subsidiary of Courtaulds. Courtaulds was subsequently (after your grandfather had stopped working there) acquired by Alzo Nobel. They in turn closed down the Spondon site and sold it. I have no idea what the number is that you are trying to call. It's a Derby (Spondon) area code but the number appears not to be allocated. From my slim knowledge of the history of the company I would have expected your grandfather's pension to be in the Alzo Nobel (CPS) Pension Scheme.  But Willis Tower Watson are the Pension Scheme Administrator of that scheme and would be the people who should know if your grandfather had contributed. Is your grandfather certain he contributed? Joining pension schemes wasn't compulsory in those days. Or might he have got his contributions returned when he left them? That happened sometimes back then. Sorry not to be of more help.      
    • I am sorry I am not aware of this report from IAS assessors? The Court will consider my application at a online hearing in June. The Court instructed me to send Bank copies of my sons condition proving he could not have been the driver I have heard nothing further. My son is not aware of any proceedings I have not involved him to avoid causing him distress, he has been sectioned a fair few times and I need to avoid this happening.
    • I am very pleased that the Court has taken the decision to allow you to  represent your son and hope that he is happy enough with that to relieve the stress he will also be feeling. I do agree that Bank parking are so insensitive, greedy, horrible etc etc to continue proceedings considering  in what it is a very minor case of a wrong number plate . Even their  own  IAS Assessors, who are normally hopelessly biased in favour of their members, went out on a limb and said  " The Operator's evidence shows no payment for the Appellant's vehicle, or anything similar. It does show two payments for the same registration in quick succession. I would take a reasonable guess, based on the circumstances described, that the person paying has paid for the registration of the person they assisted again." That is damning evidence and you must take that report with you as well as including that in your Witness Statement which we will help you with. I would expect that Bank would discontinue the case at that point.  But I am sorry to say  that you should not count on it.  
    • Evening all,   I have deliberated over this offer for two weeks and I have decided to take their offer. I do understand that some may prefer us to go to court and receive a judgement but with our personal circumstances and my current military commitment that could become an issue. I am so grateful for all the help and support you have all offered me over the last few months. I will continue to monitor this site and push all those that are being wrong to get in touch.   Thank you! what you all do is truly amazing!
    • When I first responded to the PAPLOC, and received that 29 page junk back it was accompanied with a letter saying that they had already responded to my request back on Feb 18th 2023,(I never received it). I was just clearing out some paperwork today and found a letter from Lowell, dated Feb 17th 2023, explaining that they were still waiting for the documents from PayPal, and my account was on hold  until further notice.  Does this mean they were lying and can it be used against them if this goes any further? I have now filed my defence, and have had an acknowledgement from Overdales and the court. A little threatening from Overdales , explaining that part of my defence was invalid because they have now complied with the CCA, and they were still waiting for the Default notice from PayPal.
  • Recommended Topics

  • Our picks

    • 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
        • Like
  • Recommended Topics

Isn't it about time the culprits apologised for this mess they've got us into?


style="text-align: center;">  

Thread Locked

because no one has posted on it for the last 5683 days.

If you need to add something to this thread then

 

Please click the "Report " link

 

at the bottom of one of the posts.

 

If you want to post a new story then

Please

Start your own new thread

That way you will attract more attention to your story and get more visitors and more help 

 

Thanks

Recommended Posts

Has anyone heard a word of apology from any bank for the mess they and their employees have put us in?

 

Or the Government?

 

Or the FSA?

My posts are offered informally, without prejudice and without liability. You should seek the advice of a qualified insured professional.

Link to post
Share on other sites

I wouldnt hold your breath waiting for an apology, they will be too busy shredding documents and hiding Porches!

Advice given is my opinion only, I am not a legal or financial expert (far from it).

Link to post
Share on other sites

No...not a sausage.

 

I loathe them all. They pinch all our funds, patronise us, justify thier filth to us & leave the poor up slack alley to enrich thier profits (historically speaking!). I could go on all day...every article I read just makes me want to take my hand of thier faces even more. :mad: The FSA take away our rights, which we shouldn't have had to utelise in the first place, to protect the monsters.

 

Now not happy with thier unlawfully extracted funds, they go cap in hand to the taxpayer... they should be rounded up, done for mass fraud, and chucked in a fleapit prison in Bangkok...hung from a ceiling basket covered in a blanket.

 

The govenment couldn't give a monkey's fart about us, Gordon Brown can just shut his gob (though with that guerning he does, 'twould be tricky).

 

All the while the charade goes on.... not listening, breaking guidelines, telling porkie pies, adding 'dubious accounts',..... oh I could go on all day.

 

Pure filth the lot of 'em. Greed greed greed. :mad:

Link to post
Share on other sites

I see you have some good theorires as to what it is we are all dealing with, but it's more complicated than that unfortunately.

 

We'll start with some facts:

 

J K Rowling gave the Labour Party $1.9 million - as a gift.

The top 1% rich folk DON'T PAY TAXES

The goverment really don't care about us, we are all "expendible"

Our lives are created from the cradle to the grave, we are never in full controll of anything, it's all been set up from day 1.

 

So, where do we stand? Simple:

 

the top 1% get all the money, own all the land and pay no taxes.

the middle class - pay all the taxes, do all the work

the lower class - just there to scare the middle class

 

The taxpayer, as they stand are normal folk, just like you and me, we all pay into the system at some point, and the system is designed not to make us rich, why should it, cause that would mean the top 1% don't get so much money...can't have that.

 

So there are classes of folk today...and that creates arguments, in fact anything that creates an arguement in society, the top 1% rely on it, they want us to argue, fight, and do all the hard work, so they can keep running to the bank.

 

As soon as any public debate gets into a national level, or a sort of uprising, that's when the law the rich folk made come into efect to clamp us down.

 

Unfortunatly we'll never win, and the only way we might see any justice, is if society collapses, and money means nothing. That will not be a day i would look forward to, but it will happen.

Link to post
Share on other sites

Yeah...I know what you mean, although I didn't know about this 1%business, no taxes? charming!

 

Banks have so much power, I don't think people realise just how much.

 

Interesting to hear that there isn't enough money in the economy to guarentee the savings that have been upped, increase confidence by blagging. Ces't la vie.

 

I don't understand why they don't send in forensic accountants into these failing banks - examine them - then make them run on zero profit. Let the government take thier cut and use the rest to pay back the public, in every sense. Must be this 1% you talk of, I always knew there was something alone these lines going on.

 

BBC news just refered to RBS as being a victim, what a joke...are the media gagged? They never say it as it is!

Link to post
Share on other sites

It really is a nasty business, all this. I have heard people on here displaying elation that a bank is failing. I know where they are coming from, since they are a bunch of tea-leaves, but what does that help achieve?!

 

More people unemployed, house prices further depreciating etc..which all adds up to less money in the treasury's purse and then the banks want all that.

 

I know thats just the tip of the Iceberg.

 

Bank: Money now

Darling: Do you want me to bend over?

Bank: Yes, we own you.

 

The end.

Link to post
Share on other sites

Has anyone heard a word of apology from any bank for the mess they and their employees have put us in?

 

Or the Government?

 

Or the FSA?

 

Eh? It weren't me guv'nor, I had a week off work and see what happens?;)

.

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

Link to post
Share on other sites

Yeah...I know what you mean, although I didn't know about this 1%business, no taxes? charming!

 

Banks have so much power, I don't think people realise just how much.

 

Interesting to hear that there isn't enough money in the economy to guarentee the savings that have been upped, increase confidence by blagging. Ces't la vie.

 

I don't understand why they don't send in forensic accountants into these failing banks - examine them - then make them run on zero profit. Let the government take thier cut and use the rest to pay back the public, in every sense. Must be this 1% you talk of, I always knew there was something alone these lines going on.

 

BBC news just refered to RBS as being a victim, what a joke...are the media gagged? They never say it as it is!

 

The top 1%, these are the folk that brought everything or at least the land it sits on, got a few judges in thier pockets and make the laws up as they see fit ( mostly to supress the other 99% that are not in thier group)

 

They don't need to work, they got us working class to do that for them, so they don't need to pay tax, in a rich society sence, they hardly pay the same taxes we do, if they did the NHS would be far superior and we all would be a lot healthier to do the work.

 

They rely on us having debts, that's why the credit industry gave us easy credit cards and loans and stuff, so we could be like them, but i think you know wehre this is going, they now want that money back.

 

They don't care how, or who gets hurt, they just want the money back, and they will get it.

 

There is a new industry, about 1 to 12 years old, debt collection, and it's taking off rather rapidly. There seems to be around the region of 12 billion to collect, but the top 1% want more, so the best way to do that is devalue the spending power of money in the form of world prices. Find something that every mode of transport will use eventually, or something that we all rely on at some point, and pump the price up. The world has to follow.

 

Sure it's all conspiracy and talk, but somewehre along the lines, something in society is not quite right, and it's all going pear shaped on the banks. This is something they didn't rely on, and it's hurting us all now, and wont get better, at least not yet.

Link to post
Share on other sites

Actually, I'm not sure it is hurting us all. Inflation was very high (by my calculations, based on the old *real* way of working it out, it's about 10%) before all this started due to some very bad decisions made by the current government (and indeed, some of the last government).

 

The only thing I can see that has hit the ordinary person is that it much more difficult to get credit (probably for the next year, until the banks get confident again and restore their immense greed).

 

I see that as a good thing.

 

It's only people buying and selling properties for profit and share dealers that are mainly hit.

 

Pensions will actually do very well out of the fluctuations in the stock market in the long run, so in all, and media aside, has anyone's life really been made all that much different?

If you feel that we have helped you, or you would like to help keep this web site running so that others can continue to get their money back, please click the donate button at the top of the forum.

Advice & opinions of Dave, The Bank Action Group and The Consumer Action Group are offered informally, without prejudice & without liability.

Use your own judgment. Seek advice of a qualified insured professional if you have any doubts.

 

------------

 

 

Add me as your friend on FaceBook - I need all the friends I can get :-(

 

http://www.facebook.com/profile.php?id=577405151

 

------------

Link to post
Share on other sites

Nope not at all, in fact apart from the fuel prices going up (Petrol i actually going down), things seems to be evening themselves out, as it should always have been, the whole house price and cheapness of everything was so unsustainable and that is why we havnt bought a house yet, I could see it all going tits up and yep, it has.

 

and as for 1% having all the money and owning all the land - never heard such a load of old cods wallop in all my life.

Lula

 

Lula v Abbey - Settled

Lula v Abbey (2) - Settled

Lula v Abbey (3) - Stayed

 

Link to post
Share on other sites

The top 1%, these are the folk that brought everything or at least the land it sits on, got a few judges in thier pockets and make the laws up as they see fit ( mostly to supress the other 99% that are not in thier group)

 

That's the problem with having barristers run the country.

If you feel that we have helped you, or you would like to help keep this web site running so that others can continue to get their money back, please click the donate button at the top of the forum.

Advice & opinions of Dave, The Bank Action Group and The Consumer Action Group are offered informally, without prejudice & without liability.

Use your own judgment. Seek advice of a qualified insured professional if you have any doubts.

 

------------

 

 

Add me as your friend on FaceBook - I need all the friends I can get :-(

 

http://www.facebook.com/profile.php?id=577405151

 

------------

Link to post
Share on other sites

and it's not just here - back in the motherland, that big bailout????you know the one............apparently there is a clause in it saying no one will be brought up on charges over it - - - why? because once again - someone is in someone else's pocket and these guys are scratching each other's backs until the little guy bleeds.

i agree with earlier comments and suggest that capitalism isn't working.

not while the bottom line is greed

Link to post
Share on other sites

Actually, I'm not sure it is hurting us all. Inflation was very high (by my calculations, based on the old *real* way of working it out, it's about 10%) before all this started due to some very bad decisions made by the current government (and indeed, some of the last government).

 

Sorry dave but I'd love to know how you get this figure.....the RPI figure(the "old" way) is currently nowhere near 10%, or even 7%...

7 years in retail customer service

 

Expertise in letting and rental law for 6 years

 

By trade - I'm an IT engineer working in the housing sector.

 

Please note that any posts made by myself are for information only and should not and must not be taken as correct or factual. If in doubt, consult with a solicitor or other person of equal legal standing.

 

Please click the star if I have helped!!

Link to post
Share on other sites

I do a really moron thing you know...it's called " thinking"..lol These top rich bureacratic tossers don't like us folk that think, it means we have a decent education, and are not suppressed and wont bend to thier will, they don't like that and don't want that, so they make up rules to try and get us to break.

Link to post
Share on other sites

Ok it looks like i have a big job when i become PM.

 

first job.

 

Make bank charges unlawful

 

job 2

 

BAN DCAs from operating.

OFT debt collection guidance

 

Please remember the only stupid question is the one you dont ask so dont worry about asking the stupid questions.

 

Essex girl in pc world looking 4 curtains 4 her pc,the assistant says u dont need curtains 4 a computer!!Essex girl says,''HELLOOO!! i,ve got WINDOWS!!'.

Link to post
Share on other sites

Ok it looks like i have a big job when i become PM.

 

first job.

 

Make bank charges unlawful

 

I don't think the PM could do that even if he/she wanted to (and of course GB doesn't want to)...... so I'll vote for you even if you make a firm stance on the matter.

 

job 2

 

BAN DCAs from operating.

 

If you could just promote that they should operate within the law/guidelines, 'twould be a start. :D

Link to post
Share on other sites

Hey well i will do that.

 

And if they dont they have to kiss my OH feet and other things.

trust me the feet kissing will not be wanted as they ar awful.

 

then if they further dont comply i put them in prison and freeze there accounts. when they dont get paid they will soon know how we feel

OFT debt collection guidance

 

Please remember the only stupid question is the one you dont ask so dont worry about asking the stupid questions.

 

Essex girl in pc world looking 4 curtains 4 her pc,the assistant says u dont need curtains 4 a computer!!Essex girl says,''HELLOOO!! i,ve got WINDOWS!!'.

Link to post
Share on other sites

Has anyone heard a word of apology from any bank for the mess they and their employees have put us in?

 

 

You'll never get an apology. Just a gesture of good will.

Link to post
Share on other sites

Sorry dave but I'd love to know how you get this figure.....the RPI figure(the "old" way) is currently nowhere near 10%, or even 7%...

 

I got the figures, believe it or not from Mars (the company, not the planet).

If you feel that we have helped you, or you would like to help keep this web site running so that others can continue to get their money back, please click the donate button at the top of the forum.

Advice & opinions of Dave, The Bank Action Group and The Consumer Action Group are offered informally, without prejudice & without liability.

Use your own judgment. Seek advice of a qualified insured professional if you have any doubts.

 

------------

 

 

Add me as your friend on FaceBook - I need all the friends I can get :-(

 

http://www.facebook.com/profile.php?id=577405151

 

------------

Link to post
Share on other sites

Alright I admit it I'm Sorry I did'nt pay my bills and this is what happens lets move on people, lifes to short to worry about the Global Economy and that my mistakes are letting the fat cats down and that bankers can no longer get their obscene bonuses, and that Iceland is now for sale and that house owners in the states are losing their homes, and Gordon has been made to look a hero - IM SORRY :eek:

Link to post
Share on other sites

  • Recently Browsing   0 Caggers

    • No registered users viewing this page.

  • Have we helped you ...?


×
×
  • Create New...