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    • Hi everyone, I have an update on my case that I’d like to share with you all.  so after submitting 371 pages in my bundle, a witness statement and skeleton argument for my court case due to take place in Manchester on June 21st I got an email from my litigator stating that hmrc have pulled out and the case is now closed!    this is the body of the letter….. This letter, which is copied to the Appellant, pursuant to Rule 17 of the Tribunal Procedure (First-tier Tribunal) (Tax Chamber) Rules 2009, the Respondents gives notice to the Tribunal of their intention to not defend the above appeal.   The Respondents respectfully invite the Tribunal to allow the appeal and close its file. In lieu of the above the Respondents would respectfully ask the Tribunal to vacate the hearing scheduled for Friday 21 June 2024. We would accordingly invite the Tribunal to close its file. Obviously this is extremely good news which hasn’t sunk in that after 3 years of fighting it is over.    I do have a further fight on my hands in that the Group Action I had joined with Independent Tax that had been disbanded in November last year and I chose not to continue with them. They are trying to bill me over 5k for the work they did under that Group Action which is ludicrous bearing in mind the whole point in joining was that it would keep the cost to a minimum as it would be shared between us all. They had asked if I wanted to continue to have them represent me on an individual level which I declined, if I hadn’t, goodness knows what they would have been trying to charge me now. 
    • President Ruto says Kenyans pay less tax than citizens in some other African countries.View the full article
    • As PM Sunak really showed his true colours at the D Day Commemorations by doing what? Oh I am the British PM lets just leave early I have better things to do and as he is called out on disrespecting all those veterans that served our country for the freedoms we have today he gives a groveling apology to little to late. He knew about this event for a long time and also knew that this is probably the last D Day Commemoration due to the age of those Veterans who gave so much for there countries freedom. Even on the day of the D Day Commemoration he still could have changed his plans As PM and stayed but choose not to showing such DISRESPECT to those Veterans, those that lost there lives and Families for the Freedoms we have today Being a Veteran myself I have never known a PM to show such disrespect what the hell was he thinking SHAME ON YOU PM SUNAK  
    • Thanks. We'll try to help over the weekend. If the hearing is on 05/07 then it's 90% sure that the deadline for filing your WS is 21/06.
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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
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    • 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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AA99 v Capital One


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Don't know if you've seen this AA or if it will tell you anything you don't know. National Debtline England & Wales | Debt Advice | Factsheet 01 Bankruptcy

The Consumer Action Group is a free help site.

Should you be offered help that requires payment please report it to site team.

Advice & opinions given by Caro are personal, are not endorsed by Consumer Action Group or Bank Action Group, and are offered informally, without prejudice & without liability. 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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Caro, yes I have, thank you :( At the moment, I feel like there's nothing to lose and peace of mind. I do detest giving up the fight against extortionate financial injustice though so am also looking at handing over to solicitors to fight the good fight. Thank you again :)

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-After the year, would you have a better quality of life? YES, why not?

It was just as something to think about, I wasn't doubting the fact, just checking it would be something that would help you:)

 

-Are you remotely interested any more in getting the people who have caused you to be in this situation to sit up and take notice, or do you just want done with it? YES, BUT .......

I think we all can empathise with that thought. The peace would be fantastic, but on the other hand you want to get under their skin as much as humanly possible.

 

Time flies like an arrow...

Fruit flies like a banana.

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Replies today;) ICO have noted my complaint and issued a Case No.1 They just want copy docs from me;)

 

Freds also sent another final demand;)

 

Will just respond with a one-liner I think regarding the ICO's intervention, was going to use a CPR but may sit tight for now :-x

 

ps. Recorded calls average 2 per day still

Edited by AA99
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You could set the clock by the calls we get from crap1, I've trained the wife to write down any numbers we dont have... once we've saved up for a truecall theyre going straight on the naughty boys list :D

 

Thanks for subbing;) I actually haven't had the time to organise the ZAP list on my truecall:eek: I just record and file and save them.... fuzzybobble's the only person I know that would have a field day with some of them, or perhaps that rather curious chap from the NOTW that I met in the pub the other night:cool::cool::cool:

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Thanks for subbing;) I actually haven't had the time to organise the ZAP list on my truecall:eek: I just record and file and save them.... fuzzybobble's the only person I know that would have a field day with some of themm I don't know, I often enjoy a little chat with creditors now:D, or perhaps that rather curious chap from the NOTW that I met in the pub the other night:cool::cool::cool: What???

 

:)

Time flies like an arrow...

Fruit flies like a banana.

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  • 2 weeks later...

I was still in bed this morning suffering from ghastly dental surgery yesterday, when my OH answered the door to a Debitas DC. She happened to be a very smart bit of blonde hot-totty driving a silver Mercedes:???: She asked him to confirm his phone number and that's as far as they got before I started bellowing Tell her to go AWAY !:mad:

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She got off lightly, I would have gone mental and thoroughly ruined her day.

 

Have you started a claim against them? Refund of fees and stat interest would dig into the £200. Sorry if I've missed it....but I think they'll only pay attention if you sue the ****.

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Hi Thailand! Yeah, me too, she was lucky I was still in bed:eek: Like I said the credit limit is £200, the charges are also £200! They've offered us £8 refund! I only got current T&C's for my CCA request. This has been going on for 8 months now! Quite ridiculous. Over 150 calls from Mumbai too:-o

 

I rejected the £8 refund saying I had spent more than that on correspondence:eek:

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Well if you're going down the unenforceable route - fair enough, otherwise I'd sue them.... prob be a debt of (est) £185 remaining which you could work out a small deal on, assuming the eejits didn't turn up at court to try a enforce a set of current T&C's.

 

They should have accepted your offer. Whoops, I forgot how 10 monthly payments to clear the debt are unrealistic. :rolleyes: That invisable Ellie sure is a greedy swine.

 

If it was me, now I think about it, I'd want that £185 for the harrassment - so if you can live with the funny letters they send - sod 'em!

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Fred's have now given up with me and today got a letter from Bryan Carter, Solicitors..... 7 days to pay up in full plus court fees, solicitor costs, etc. :mad:

 

This account is currently with the ICO, for sending me someone else's claim form to sign plus registering default with CRA whilst still in dispute, they don't do CCA's and neither does it appear Crap1 do either!

 

Which letter should go to a solicitor or should I prod Crap1, or both :-?:evil::-?

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Any advice I give is honest and in good faith.:)

If in doubt, you should seek the opinion of a Qualified Professional.

If you can, please donate to this site.

Help keep it up and active, helping people like you.

If you no longer require help, please do what you can to help others

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Now CapQuest have bounced in with a threatening letter for the full balance otherwise they'll send personal visits by our doorstep collection agency, possible litigation........

 

CapOne to Debitas, to Power2Contact, to Capquest, here we go round the mulberry bush (singing!)........

 

Bemused letter to CapOne, why you bought an account in dispute account letter to Capquest going out this weekend...........:mad:

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  • 2 weeks later...

Hiya,

 

Any news from capquest, I had one this morning informing me that Capone has acknowledged my query via capquest, so I suppose it's a waiting game now for their reply, I forgot to send the bemused letter to Capone, should I have done so? They already know my thoughts on what they've sent me.

 

Regards

 

Beachy

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Oh heck Beachy, so glad you bumped this thread, I forgot to write the letters!!!!!!!!!!! Must have got distracted! Doing it now LOL !:shock:

 

Glad it's not just me - you get all worked up then something gets in the way and you completely forget you meant to send a letter bollo**ing them:rolleyes:

Time flies like an arrow...

Fruit flies like a banana.

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Today letter received from H L Legal who have been appointed by CapQuest. Letter dated 30April, recveived 5 May, unless full payment or satisfactory proposal for settlement by 13 May, Court proceedings may be issued.......

 

CapOne to Debitas, to Power2Contact, to Capquest, to HL Legal :?:?:?

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Today letter received from H L Legal who have been appointed by CapQuest. Letter dated 30April, recveived 5 May, unless full payment or satisfactory proposal for settlement by 13 May, Court proceedings may be issued.......

 

CapOne to Debitas, to Power2Contact, to Capquest, to HL Legal :?:?:?

 

haha the moon MAY be made of cheese :D:D:D:D

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Mouldy cheese!

:!: -Any advise I give is based purely on my own experience. It should not be solely relied upon as I am NOT a legal expert and any major decisions you make should not be based on my opinion alone -

HFC Bank - Davey vs HFC

Barclays - Monthly payments made

Cahoot - Agreement received, awaiting 2nd agreement after DCA.

MBNA1&2 - Agreements received. (Currently in limbo)

Halifax - Davey vs Halifax/Cabot

MINT - Davey vs Mint

Amex - Davey vs Amex

Cap1 **WON** £1,500 Written Off Davey vs Cap1

 

Never Sign Anything

 

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Hi, Does anyone know the correct address for Capital One to send a CCA request to! I was given Katherine Blunt's name at PO Box in Nottingham but I read somewhere that she is data protection and replies with a request for £10 cheques in respect of any disclosure under data protection rules.

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