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    • £85PCM to sky, what!! why are you paying so much, what did you watch on sky thats not on freeview?  
    • Between yourself and Dave you have produced a very good WS. However if you were to do a harder hitting WS it may be that VCS would be more likely to cancel prior to a hearing. The Contract . VCS [Jake Burgess?] are trying to conflate parking in a car park to driving along a road in order to defend the indefensible. It is well known that "NO Stopping " cannot form a contract as it is prohibitory. VCS know that well as they lose time and again in Court when claiming it is contractual. By mixing up parking with driving they hope to deflect from the fact trying to claim that No Stopping is contractual is tantamount to perjury. No wonder mr Burgess doesn't want to appear in Court. Conflation also disguises the fact that while parking in a car park for a period of time can be interpreted as the acceptance of the contract that is not the case while driving down a road. The Defendant was going to the airport so it is ludicrous to suggest that driving by a No Stopping  sign is tacitly accepting  the  contract -especially as no contract is even being offered. And even if a motorist did not wish to be bound by the so called contract what could they do? Forfeit their flight and still have to stop their car to turn around? Put like that the whole scenario posed by Mr Burgess that the Defendant accepted the contract by driving past the sign is absolutely absurd and indefensible. I certainly would not want to appear in Court defending that statement either. --------------------------------------------------------------------------------------------------------------------------------------------------------- I will do the contract itself later.
    • Yes - ignore. Because of another MET victim today I looked at all our MET cases back to June 2014 ... yes, 10 years. They have never dared take a motorist to court and argue their case before a judge.  They have started the odd court case, but as a means of trying to intimidate the motorist into coughing up, when the motorist defended and refused to give in it was MET who bottled it and discontinued.
    • Unpaid wages should be pretty straightforward if you did the work. Don't be intimidated. You need only show you were due money, and did not get money.   The risk is that they have no money to pay you (and legal fees) - frankly a solicitor maybe be costing them more than your claim is for and I might have expected them to make a commercial decision to settle before this point regardless of the merits of the case.
    • Thanks so much FTMDave.  This is so much better   I'm still tempted to leave the blue section in is as if I lose it will at least save me a little bit of money.  But I get your point that it's pretty superfluous.   Thinking I'll get this in the post on Monday unless you think it's worth delaying?   
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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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TheCobbettSlayer v NatWest ***WON***


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They can apply for the set aside (which I will vigourously defend) otherwise dosh me up by Tuesday.

 

If they don't

 

 

 

IT'S HAMMER TIME!!!!

Advice given is either my experience or my opinion and is given without liability. If in doubt, consult a qualified professional.

If you PM me for advice I will only reply in your own thread

 

Never under estimate your ability. I won over £17,000!

For the full story - look here

http://www.consumeractiongroup.co.uk/forum/NatWest-bank/17630-thecobbettslayer-NatWest.html

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They can apply for the set aside (which I will vigourously defend)

 

Congratulations!!!

 

But as for defending against the set aside, (if they do it), I wouldn't bother.

 

For a judgment to be set-aside, all they have to show the judge that had they been able to put forward a defence (regardless of the reasons why they didn't), would they have been able to do so? The answer is yes. Not that they could have won it, mind you, simply that they could have entered a defence.

 

The over-riding objective is to give then a chance to defend. So they would get the set-aside, and a hearing set later in the future.

 

It may well be that they will agree to pay up as long as you don't object to the set-aside, in which case, I suggest you agree.

 

There is really no mileage for you to object to the set-aside if they apply. It wil only delay things before you get your money.

 

Regardless of the above, very well done, that kind of amount should rattle their cages a bit! :-D

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CONGRATULATIONS

 

Reading this thread has made me more determined then ever.

 

Well Done!

Cap One (me)

Data Protection Act sent 15/08

Prem letter sent 23/09 £800

Partial offer £312

LBA sent 04/10

File at court 27/11

/B/C (me)

Data Protection Act sent 18/08

Account pre may 04 ordered statements

11/09

 

B/C (old mans)

Data Protection Act sent 18/08

missing statement letter 29/08

Prem letter sent 26/9 £500 + £1172.00 Est

 

Nat West (joint)

DPA letter sent 28/07

LBA non-compliance letter 11/09

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Thanks for that BW. I don't have the cheque in my hand so I'm not doing the poultry inventory just yet but it's certainly looking OK so far.

 

With regards to the set aside, a very close relative used to work in the chancery division of the high court. Opinion is that they may be able to demonstrate that they could have filed a defence, the fact is they didn't and are unlikely to be able to give good reason for not doing so. They didn't even acknowledge the claim and buy themselves 28 days to form a defence.

 

If they choose to pay me I will not object to the set aside. There has been no hearing and I have won by default - no legal precedent has been set so I can't achieve anything for anyone else by arguing.

 

I'll keep you posted!

Advice given is either my experience or my opinion and is given without liability. If in doubt, consult a qualified professional.

If you PM me for advice I will only reply in your own thread

 

Never under estimate your ability. I won over £17,000!

For the full story - look here

http://www.consumeractiongroup.co.uk/forum/NatWest-bank/17630-thecobbettslayer-NatWest.html

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Opinion is that they may be able to demonstrate that they could have filed a defence, the fact is they didn't and are unlikely to be able to give good reason for not doing so. They didn't even acknowledge the claim and buy themselves 28 days to form a defence.

 

If they choose to pay me I will not object to the set aside. There has been no hearing and I have won by default - no legal precedent has been set so I can't achieve anything for anyone else by arguing.

 

I'll keep you posted!

 

That's the right attitude! There's no point in being a martyr for no reason... :-D

 

And I quite agree about the cavalier attitude of Natwest and the contempt it indicates of the little people, don't think for one second I am siding with them *spit* :-D.

 

If you have the time an energy, have a search for the Disneyman v Nationwide. This one worked against the bank, as Disneyman got a set aside months after the judgment, as he hadn't been aware of the unlawfulness of charges then, and so hadn't defended the judgment. He got the judgment set aside, and got money back too!

My point is, even if they didn't defend, for whatever reason, all they have to show is that they COULD have, and the judge will agree to the set-aside.

 

OTOH, you may get the pleasure of sending the bailiffs in, if they don't react quick enough! :-D

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Hope this all works out for you without any shennanigans (sp?) from the bank.

 

Can you give us a rough breakdown of the £22k, charges, interest, loan.

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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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It's on the claim form as £8795 in charges, £5216.89 in loan repayments, £6208.78 in settlement of the balance of the loan (the amount quoted in their own default notice to me) and the rest is interest.

 

Frankly, there will be no shennanigans (and I don't care how you spell it!).

 

Due to the amount of the judgement, enforcement is complicated and falls into the jurisdiction of the High Sherriffs department and in the event of them failing to comply with the judgement, the costs are astronomical

Advice given is either my experience or my opinion and is given without liability. If in doubt, consult a qualified professional.

If you PM me for advice I will only reply in your own thread

 

Never under estimate your ability. I won over £17,000!

For the full story - look here

http://www.consumeractiongroup.co.uk/forum/NatWest-bank/17630-thecobbettslayer-NatWest.html

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Had a conversation with the very tedious Alexandra Rogers from Cobbetts today.

 

6 days after judgement, Natwest have decided to apply for set aside on the basis that they forgot to file acknowledgment. Not the most water tight case but we'll see

Advice given is either my experience or my opinion and is given without liability. If in doubt, consult a qualified professional.

If you PM me for advice I will only reply in your own thread

 

Never under estimate your ability. I won over £17,000!

For the full story - look here

http://www.consumeractiongroup.co.uk/forum/NatWest-bank/17630-thecobbettslayer-NatWest.html

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The judge has ordered that the application to set aside go to hearing. I've only had this verbally from the court so I'll have to wait and see what the actual wording is before I look at how we deal with it.

 

I'll keep you posted

Advice given is either my experience or my opinion and is given without liability. If in doubt, consult a qualified professional.

If you PM me for advice I will only reply in your own thread

 

Never under estimate your ability. I won over £17,000!

For the full story - look here

http://www.consumeractiongroup.co.uk/forum/NatWest-bank/17630-thecobbettslayer-NatWest.html

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You were right not to do the poultry invertory! I never trust that someone has won unless they have the money in their hand. Daily interest must me a reasonable amount on this sum though. Everything is crossed for you.

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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  • 2 weeks later...

Got the judges directions on Natwests application to set aside today. It says:

 

Before District Judge **** sitting at Mansfield County Court etc.....

 

Upon reading the Defendant's application to set judgement aside.

 

IT IS ORDERED THAT

 

The hearing of this case will take place by way of a telephone conference on 1 NOVEMBER 2006 AT 12.40PM........

 

The defendants legal representative is ordered to arrange the telephone conference.

 

The defendants legal representatives must serve a case summary and draft order no later than 4pm on the last working day before the hearing.

 

All further proceedings in the case are stayed pending the outcome of the Defendant's application.

 

 

Am I missing something here? Is the judge hearing the application to set aside or is he hearing "the case". There is no instruction for me to do anything at all and the directions enclosed with the order state that telephone conferences are excluded from the proceedings if "the hearing could result in the final determnation of the whole or part of the proceedings". I have so far not responded to Cobbetts part 18 request until I knew the outcome of the set aside application. Do I do that now or do I wait for the hearing?

 

I need to be prepared so help please guys!!!

Advice given is either my experience or my opinion and is given without liability. If in doubt, consult a qualified professional.

If you PM me for advice I will only reply in your own thread

 

Never under estimate your ability. I won over £17,000!

For the full story - look here

http://www.consumeractiongroup.co.uk/forum/NatWest-bank/17630-thecobbettslayer-NatWest.html

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He is hearing the application to set aside, not the case. If you are unclear about it, phone the court and ask what, if anything you are required to do. I think it might be a good idea to write to the judge stating your reasons for not wanting the set aside, but see what the court advises and let us know. Check whether or not you are expected to be a party to this call, and if you have a say in the matter.

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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  • 2 weeks later...

Yes, me too, this is brilliant and I have my fingers crossed things will go smoothly for you!!!;)

-Warms (Alexandra)-

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

Whatever I post is just my opinion, no more, no less!:!:

.....................................................................

NatWest=>settled in full, no strings!:D

NatWest creditcard=>settled in full, no strings!:D

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Well that's that then. The judge allowed the set aside in spite of our best efforts:mad:

 

I'm waiting to see the full order in the morning but she has ordered Cobbetts to file their defence by 4pm on 15th November and us to respond to their Part 18 request by 29th November.

 

We're going to be looking for some serious help now so watch this space

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Sorry - that was me posting on the wifes log in.

 

Off to kick the cat and prepare for the next step

Advice given is either my experience or my opinion and is given without liability. If in doubt, consult a qualified professional.

If you PM me for advice I will only reply in your own thread

 

Never under estimate your ability. I won over £17,000!

For the full story - look here

http://www.consumeractiongroup.co.uk/forum/NatWest-bank/17630-thecobbettslayer-NatWest.html

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Off to kick the cat

 

Paul, don't kick the cat too hard :razz:, i t told you from the start that they were quite likely to get the set-aside granted. Don't think of it as any kind of failure on your behalf, and well done for fighting as hard as you could.

 

Did judge order disclosure by any chance?

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