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    • Paragraph 23 – "standard industry practice" – put this in bold type. They are stupid to rely on this and we might as well carry on emphasising how stupid they are. I wonder why they could even have begun to think some kind of compelling argument – "the other boys do it so I do it as well…" Same with paragraph 26   Paragraph 45 – The Defendants have so far been unable to produce any judgements at any level which disagree with the three judgements…  …court, but I would respectfully request…   Just the few amendments above – and I think it's fine. I think you should stick to the format that you are using. This has been used lots of times and has even been applauded by judges for being meticulous and clear. You aren't a professional. Nobody is expecting professional standards and although it's important that you understand exactly what you are doing – you don't really want to come over to the judge that you have done this kind of thing before. As a litigant in person you get a certain licence/leeway from judges and that is helpful to you – especially if you are facing a professional advocate. The way this is laid out is far clearer than the mess that you will get from EVRi. Quite frankly they undermine their own credibility by trying to say that they should win simply because it is "standard industry practice". It wouldn't at all surprise me if EVRi make you a last moment offer of the entire value of your claim partly to avoid judgement and also partly to avoid the embarrassment of having this kind of rubbish exposed in court. If they do happen to do that, then you should make sure that they pay everything. If they suddenly make you an out-of-court offer and this means that they are worried that they are going to lose and so you must make sure that you get every penny – interest, costs – everything you claimed. Finally, if they do make you an out-of-court offer they will try to sign you up to a confidentiality agreement. The answer and that is absolutely – No. It's not part of the claim and if they want to settle then they settle the claim and don't add anything on. If they want confidentiality then that will cost an extra £1000. If they don't like it then they can go do the other thing. Once you have made the members of suggested above – it should be the final version. court, that I would respectfully requestup but I don't think we are going to make any more changes. Your next job good to make sure that you are completely familiar with it all. That you understand the arguments. Have you made a court familiarisation visit?
    • just type no need to keep hitting quote... as has already been said, they use their own criteria. if a person is not stated as linked to you on your file then no cant hurt you. not all creditors use every CRA provider, there are only 3 main credit file providers mind, the rest are just 3rd party data sharers. if you already have revolving credit on your file there is no need to apply for anything just 'because' you need to show you can handle money. if you have bank account(s) and a mortgage which you are servicing (paying) then nothing more can improve your score, despite what these 'scam' sites claiml  its all a CON!!  
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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
      • 160 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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champix


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Well done, yes it is the pill from the Doctor, I gaven up on 10th September, on Champix, it is brilliant, havnt had a lapse at all, keep up the good work!!

Lula

 

Lula v Abbey - Settled

Lula v Abbey (2) - Settled

Lula v Abbey (3) - Stayed

 

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  • 2 weeks later...

I went through the whole Champix course, being 2 people and could kill one minute and love the next. When I finished the course, weight flew on even though I wasnt eating. My temper was vile and all I could think of was throwing a rope round my neck. Have been off it for 5 months and still have feelings of doing something daft.

Maybe just me but as a general calm easy going person who wouldn't hurt a fly, is really strange behaviour. Please be careful

Advice & opinions given by Stinkyfeet are personal, are not endorsed by Consumer 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. :wink:

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'StinkyFeet'

 

I concur... Champix is VERY dangerous to some people! I was on it for approx 7 days a few months ago. I ain't ever had experiences like that before!!! I was angry, disorientated, QUICK tempered, unable to sleep, unable to relax, sick, depressed, suicidal, hyper-active...

 

Virtually EVERY psychological issue known to man was inflicted on me during those fateful few days. I am still suffering with 'grinding' my teeth in my sleep to such an extent that my 'better' half has to physically roll me over or punch me to stop it!

 

I now have the 'inhillators' which I am going to try... :)

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So when are you trying again, Bo :p

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Advice & opinions given by me are personal, are not endorsed by the Consumer Action Group or the Bank Action Group. Should you be in any doubt, you are advised to seek the opinion of a qualified professional.

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  • 4 weeks later...

Re..Champix

 

Last March partner was advised to stop smoking due to health probs, so said right we'd both go for it.

 

We both started the course, abso brilliant, stopped on the designated day and we were both great, no craving or anything. However I went through a few of the symtoms stated on the leaflet, night sweats, dreams, headaches, heart going potty at times, (had a heart monitor at doc's) but still perservered.

 

4 wks into the course, I noticed my left foot was very red and itchy, it didn't bother me to much, but 3 days later I started getting blisters and the skin on my foot started shredding...ekkk (won't go into the gory details). Went to the doc's, was advised to stop the tablets straight away. I ended up with a rash all over the left side of my body and the skin on my feet and hands came off. I ended up at the hospital.

 

A year later I'm still hving probs and still visiting the hospital. So, Yes, I do think Champix is dangerous and need to be monitored very closely.

 

However on the bright side, we're still not smoking, I can actually stand beside someone smoking and quite like the smell, but can't stand the smell of it on someone's clothes or breath, makes me feel quite sick.

 

But would I do it again, no, not after what I suffered, but partner never got any symptoms at all.

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Hi weedalli, sorry to hear about the problems you had. You seem to be one of the unfortunate few whose body doesn't like champix. Of course, what suits one doesn't necessarily suit another. Most people seem to be OK with it.

A drug that I have problems with is allopurinol (for gout). I get a rash and my skin feels hot and intensely itchy, especially my scalp, face, neck and shoulders. As a result I had to stop taking them. Now, when I have an attack of gout, which usually lasts two or three weeks, I just have to rely on massive amounts of pain-killers.:(

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Yes Rooster, your right, I'm the one in a million who they print the leaflet for. :rolleyes:

 

Champix is good, I know loads of peeps who have taken it with no side effects and have stopped. Even thought I had those probs it did help me and I'm glad I don't smoke anymore. :)

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  • 1 month later...

My wife has been on champix for about 2 months. The stopping smoking part has been great and the pills do their job exceptionally. But!! It's like being married to a different person. Her personality has completely changed.

 

A few days ago she decided to come off the pills and within 48 hours she was vomiting.. spinning.. panic attacks. Finally she shut herself away in a room just holding her head.

 

She immediately went back on the pills and the symptoms stopped a few hours later.

 

Coincidence? we'll see in 4 weeks when the pills run out :(

Edited by elzorillo
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