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    • I decided on confrontation - which I hate.  Omg the arrogance of the driver.  They refused to say who had given them the alleged permission to park on the private land - unless I proved ownership.  I couldn't believe they could be so objectionable.   They advised they couldn't take public transport to work as they lived too far away.  They couldn't rent a local garage as none were available. I simply said that's their issue not mine. It was infuriating that this person had such misplaced entitlement.  However I decided to humour them and show them the title deeds.   They couldn't respond.  Although at this point they alleged some guy in a city up north - whose name they couldn't remember - gave permission!!    They then asked if they could buy the garages and land!! Yet can't afford to park on a meter !! They seemed to back down and agree to now park elsewhere.  I hope so. 
    • I've worked out the contractor invoiced apx 250k - Without adding vat to the invoices.  So based on above he should have added vat to all invoices once he reached 85k?  Obviously he had to pay his labourers - would those payments get taken off what he received?  Or it doesn't matter cos he invoiced for the high sum?
    • Greetings, I'm writing to seek assistance with an ongoing issue I'm having with Manchester Council.  I parked my car in a residential area behind Wilmslow Road to go purchase some food, not realizing it was a no-parking zone. I later received a letter stating I had failed to make the required payment, and the penalty had increased. I appealed the fine, explaining that I had parked there but never received the original Penalty Charge Notice (PCN), so I was unaware of the need to pay. However, the council's reply did not address my initial concern. Is there anything I can do in this situation? I admit to parking there, and I was willing to pay the original fine, but I don't think it's fair for them to demand a doubled amount when they failed to send me the initial PCN.  Any advice or guidance you can provide would be greatly appreciated. Thank you in advance for your assistance.   MK Document.pdf
    • If you look at some of the other debt related threads will see that one of the first things which will be asked will be for you to list out your debts in a brief chronological order, including date of debt, amount, creditor, amount outstanding, defaulted – yes/no – date of default, date of last payment made, have you acknowledged the debt at all to the creditors. That lot at least. I expect that my colleague @dx100uk will be along but will meet to know at least that information
    • Hi, I have found this group very helpful hence I am here seeking help and advice.   I got myself into a situation where I have now more than £50k in unsecured debts (personal loans & credit cards) and things are now getting out of control as I am struggling to make payments. This is purely my own created situation and I am taking 100% responsibility for it. I am keen to get out of this situation as soon as possible hence I would appreciate any help and advice in this process. I am employed at the moment and don’t want to risk going into IVA or bankruptcy as this would risk losing my job. Being sole bread earner of my family, I cannot afford to lose my job. I have been trying to keep up with the payments so far and had few missed payments instances until 3/4 months ago but got caught up with missed payments somehow using my savings. All my debts are still with original lenders. However I know I am getting into same situation again shortly and won’t be able to get out of it again. I have started exploring Debt Management Plan (DMP) option through StepChange but haven’t submitted it yet. Based on budgeting, I have around £820 available to make payments to all lenders after taking care of all other essential expenses. This is definitely lot more affordable than what I am currently paying to different lenders. 1. Is DMP right option for me in current situation? 2. what are the negative consequences of availing DMP? 3. is there something else that I can do to get out of this situation? I’m determined to clear out all my debts but need bit of breathing space and time. Let me know please if you need any additional information. Thanks in advance for all your help and guidance. MM  
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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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Okay done. (Only just realised that it also stores a copy of the replies which explains why it fills up double quicktime)

Well done. Yes it took me quite a while to work that out too.:)

No doubt it will fill up again in quick time.

 

Hope you get to enjoy the cricket today!

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Missed the lot of it had to go to flippin' Wolverhampton of all places.:mad:

 

On the bright side I see this thread is 501 not out, I'd declare, put the opposition in to bat and see if you can get a couple of quick wickets. It's very difficult for a side that's been in the field for so long to adjust to a bit of fast bowling.

You have the right to food money.

If you don't mind a little investigation, humiliation, and if you cross your fingers rehabilitation..............

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It's very difficult for a side that's been in the field for so long to adjust to a bit of fast bowling.

or how about a bit of leg spin trickery, just when they're expecting a leg break, we slip in a googly :D:D

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Good idea maybe if Fred is going to try a bit of spin bowling he should go for an attacking field and introduce four slips, I don't see any danger at point and the covers are pretty good so anything played out that direction will be stopped long before the boundary.

The afternoon session is likely to be interesting I can see several wickets falling between lunchtime and tea.

You have the right to food money.

If you don't mind a little investigation, humiliation, and if you cross your fingers rehabilitation..............

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If its Fred doing the bowling then its you Patma whos got them stumped

Aw that's very sweet thanks! but actually I'm just like a runner and you lot are doing the batting:D

 

Good idea maybe if Fred is going to try a bit of spin bowling he should go for an attacking field and introduce four slips, I don't see any danger at point and the covers are pretty good so anything played out that direction will be stopped long before the boundary.

The afternoon session is likely to be interesting I can see several wickets falling between lunchtime and tea.

mmm....sounds a good plan;) and with any luck the other side won't be feeling like any tea today or come to think of it lunch either;):D

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dont you let fred near that wicket, he will be lifting the bits off the top to let the ball through :lol: :lol: oooops

 

Quality Kiptower.:lol:

You have the right to food money.

If you don't mind a little investigation, humiliation, and if you cross your fingers rehabilitation..............

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with any luck the other side won't be feeling like any tea today or come to think of it lunch either;):D

 

Then there should be plenty left over to offer our guests.

You have the right to food money.

If you don't mind a little investigation, humiliation, and if you cross your fingers rehabilitation..............

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dont you let fred near that wicket, he will be lifting the bits off the top to let the ball through :lol: :lol: oooops

 

:lol::lol: That's hilarious:lol:. and then he'd have to be "bailed" out...silly me that already happened.

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Good idea maybe if Fred is going to try a bit of spin bowling he should go for an attacking field and introduce four slips, I don't see any danger at point and the covers are pretty good so anything played out that direction will be stopped long before the boundary.

Patma rubs her hands in glee at the prospect of the next bit of spin bowling about to be bowled.;)

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Well Patma todays surprise will have landed a few hours ago now. I think it spells out the options and implications quite clearly but judging by the way the matter has been handled to date I'm still not 100% convinced that anyone on the other side has the neccesary qualities to understand just how much trouble they could be in, they certainly appear to be a particularly amateurish outfit. I therefore hope that as planned you have popped part 2 in the post today or can get it sent by tomorrow.

In the circumstances I see no grounds for those concerned to ask for or be offered leniency it is after all not Fred who has done anything wrong. If this is how these people are prepared to conduct their business they deserve everything that's coming their way and if that includes a day trip to London, a black mark on the CV, or worse then tough!!!

 

I'll have part 3 completed over the weekend it is a very narrow remit and one I can find no defence to in light of the fact that the 'knowledge' was provably imparted to the parties concerned as of 1pm today. I can't see the barrister wanting do much other than get as far away as possible from this mess which will of course be completely inarguable in Court upon presentation of a well drafted part 3.

 

I suggest Fred gets the forms completed and ready to present on the morning of the deadline expiration. Don't give them ten minutes longer than you have stated they have persecuted him for three long years so can hardly blub that he's the one being unreasonable now can they?

You already have the pics and the video so you just need a witness statement and draft orders. I'm happy with the WS (it leaves no room for argument) and strikeout application draft but am seeking advice over costs and damages. It might ultimately be better for Fred to start a seperate case against the claimant in this respect as it will drastically widen the scope for damages. We'll advise you of this at the correct time.

It will be for the Judge to decide whether the barrier was in the cradle and securely locked in position when Fred arrived etc. etc. I can only see one outcome to a strike out upon production of the evidence. Defending the strikeout app will be difficult at best and dangerous at worst in light of todays events.

 

The Human Rights Act issue is possibly still going to be another valid route to take but let's see what happens with this matter first?

You have the right to food money.

If you don't mind a little investigation, humiliation, and if you cross your fingers rehabilitation..............

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I therefore hope that as planned you have popped part 2 in the post today or can get it sent by tomorrow.

Is the pope catholic?:D

I am sticking to the plan like glue TLD no worries!.

I'll have part 3 completed over the weekend it is a very narrow remit and one I can find no defence to in light of the fact that the 'knowledge' was provably imparted to the parties concerned as of 1pm today. I can't see the barrister wanting do much other than get as far away as possible from this mess which will of course be completely inarguable in Court upon presentation of a well drafted part 3.

That's fantastic, thankyou TLD.

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Patma,

 

If PCAD is subject to answering an FOI request then I would ask the following in addion to that already susggested about model, make, date of installation, mtce regime, etc

 

1) what exactly was the damage to the barrier (find out if it did all need replacing!).

 

2) how many times and for what reasons has the maintainer has been called out in the previous 24mths to fixed faults with the barriers, their nature and fault correction required.

 

I have seen FOI requests made in other situations for other problems.

 

A good thing to have on a FOI request is to request the minutes of meetings where the barrier (or other thing) was discussed. This can reveal all sorts of weird and unexpected stuff. Though, you can't be too general with the request or that can lead to the request being rejected.

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Decisions the Judge will have to make.

 

1) Is this barrier securely locked in the cradle?

 

Sequence01.jpg

 

 

2) Is the barrier securely locked in it's cradle when Fred arrives?

 

Sequence02.jpg

 

3) Is Fred trying to contact security on the intercom or is Fred trying to get twenty quid out a cashpoint machine?

 

Sequence03.jpg

 

4) How many minutes have elapsed between the first picture of Fred at th e scene and the first time he touches the barrier?

 

Sequence06.jpg

 

5) Does this look like a man using excessive force to cause criminal damage or is the barrier easy to lift because it was already broken?

 

Sequence10.jpg

 

 

6) Well we know what time Fred arrived and I can tell you he touched the barrier for a total of about 15 seconds so let's see what time this man who couldn't be bothered to wait for security finally left.

 

Sequence11.jpg

 

 

So if Fred was at the barrier for 11 minutes 11 seconds and touched the barrier for 15 seconds of that time what was he doing the rest of the time?

 

(i) Attempting to contact the non existnat security?

(ii) Searching for a sign with a phone number for security?

(iii) Both the above?

You have the right to food money.

If you don't mind a little investigation, humiliation, and if you cross your fingers rehabilitation..............

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Congratulations kiptower, I think you've just won one of TLD's star prizes. :cool:

 

Yes I'm amazed at how quickly he answered too, some people seem to think it's a lot more difficult than it really is.

 

There's bad news about the prize though it was going to be £20 but every time I key my PIN number into the cashpoint machine I just get a loud hollow echoing noise which sounds exactly like an empty office.

You have the right to food money.

If you don't mind a little investigation, humiliation, and if you cross your fingers rehabilitation..............

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Will it be possible for us to see documents 1, 2 & 3 when it's safe for them to be made public? I'm absolutely fascinated about what may be in them.

I odn't see why not, but TLD is the expert in that department.

(Machiavelli would be proud of him! I certainly am! And I'm jolly glad we're on the same side LOL ;):D

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Will it be possible for us to see documents 1, 2 & 3 when it's safe for them to be made public? I'm absolutely fascinated about what may be in them.

 

 

Of course it wouldn't be correct etiquette on Cag not to. The only reason we kept doc 1 on the quiet is because we didn't want the recipient getting any advance warning whatsoever. Spoils your Christmas if you find out what you're getting on Christmas eve doesn't it?

 

Now that doc 1 has been received by the recipient I see no problem with it being posted up here and just 5 mins ago wrote to Patma on this subject.

 

The aim was originally to go straight for the jugular and submit a strikeout application. Looking closely I identified one possible escape route to the strikeout remit for a sharp counsel. As during the strikeout app Fred will be making some very serious allegations about the claimants case it is imperative to be able to prove these claims with supporting evidence. This is easy because a Cagger found the minutes of the meeting and the claimants solicitors kindly furnished Fred with a copy of the unedited video footage rather than the artistic version which the police saw. The other crucial aspect of the strikeout app centres upon whether certain actions were taken 'knowingly'. Sevice of 'Part 1' of the plan removes any element of doubt that as of approx 1pm today the claimant is 'knowingly' presenting the information.

 

To defend a strikeout app or indeed to continue to trial after todays little surprise landed might be very difficult indeed and if the provably false claims are removed from the POC there is not enough left to satisfy the basic requirements of CPR relating to POC's and statements of case.

 

It will all make sense when you see it.

You have the right to food money.

If you don't mind a little investigation, humiliation, and if you cross your fingers rehabilitation..............

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