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    • That isn’t actually what the Theft Act 1968 S1 actually says, BTW. https://www.legislation.gov.uk/ukpga/1968/60/section/1 (1)A person is guilty of theft if he dishonestly appropriates property belonging to another with the intention of permanently depriving the other of it;   The difference between what you’ve said and the Act? a) intent to permanently deprive rather than  just depriving (which is why the offence of “taking without consent” was brought in for motor vehicles, as otherwise "joyriders" could say "but I intended to give it back at the end") b) dishonesty : If I honestly believed A's pen belonged to B, and took it and gave it to B - B might be found guilty of theft but I shouldn't be. 
    • Received a call and follow on confirmation email from the police about my cabinets! They wanted to confirm that I was prepared to support police action for the matter and that I would be happy to provide a statement and attend court at a later date!!! I think that something might actually get done - it won't get my cabinets back I know that but hopefully it will put a stop to this so called courier doing this to people!
    • Around a month ago I had to send a sympathy card to a friend in GB. Logistically it made sense to buy a personalised one on eBay and get it sent straight to my mate, rather than faffing around getting it sent to me.  This mighty purchase set me back all of £3.05 (including postage costs). I was taken aback that, when it was sent, I got a tracking number.  For a flippin' three-quid card!  I had no idea that technology had moved on so much and that tracking was so easy.  The shop has feedback for 16,300 purchases so tracking must be easy & automatic. It's unlikely your case will get to court, but in cases that do this got me thinking that we need to aggressively challenge the PPCs where they have lied about the timescales of sending their rubbish and have no proof at all of posting - when it would be so easy to provide it.
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    • 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
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It just gets worse-Debt problems are causing great stress.


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Hi Cymru, it was last weekend they were home, my eldest boy is home for 2 weeks, but my other son was only home for the weekend... it goes too quickly... Im so proud of them both... my son who is in the Royal Welsh is doing his training... I m dreading the time he has to go to Afganistan.. you see so much on the news... Im having nightmares now... I feel so sorry for families who have lost their sons/brothers/husbands I dont know how they cope??...

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Hi, I agree it must be terrible, no words can express the feelings that they go through. All our armed forces do a fantastic job which isn't properly recognised or rewarded. You have to remember that the number who are killed or seriously injured is very small, which although isn't any consolation, may help keep you sane.

C

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Sorry to butt in......; you mentioned your mortgage is getting into arrears.... try sending a letter along these lines......,

 

Dear Sirs

Re: Account No xxxxxxxxxxx

I write to acknowledge that the above account is in arrears, and seek your assistance in my effort to keep my home.

My proposal is guided by the principle based FSA Regulations pertaining to Treating Customers Fairly.

 

Considering that my mortgage term has a further XXX years to run, and given that the deposit paid was XXXXXX, (even if you remortgaged - there will be an amount that they took as a deposit) I would like you to consider recent case law in the Cheltenham & Gloucester Building Society v Christina Norgan Court of Appeal 5 December 1995, where it was judged

that 'arrears on an agreement can be repaid over the full period of that agreement, a court not being obliged to set a shorter period.'

 

At the initiation of my mortgage with you I was charged £XXXX as a Higher Lending Charge, (if applicable) which I understand was formerly known as a Mortgage Indemnity Guarantee; a fee that may be used by the lender to purchase an insurance policy designed to protect XXXXXX

(the mortgagee) against loss in the event of me defaulting and ceasing to repay my mortgage.

Had my personal circumstances along with the economy not taken a turn for the worst and I was in a position to clear the arrears in full, please be assured that I would do so.

As my lender governed by the FSA, I would like you to consider the points I have raised in my letter today and see what you can do to work with me rather than against me to clear the arrears and keep my home without threat of eviction and undue financial pressure.

I have noted the information below from the guidelines set by the FSA (MCOB 13.3.2 E(1)(a) for customers in my situation.

A extend the term of the regulated mortgage contract; or

B change the type of the regulated mortgage contract; or

C defer payment of interest due on the regulated mortgage contract or mortgage shortfall debt; or

D treat the payment shortfall as if it was part of the original amount borrowed

I look forward to your terms of practical assistance in keeping within FSA guidelines that will ensure my concerns can be addressed to mutual benefit.

Yours sincerely

I should send this off immediately - and pay what ever amount you can truly afford in the meantime.

 

Hope this helps? : )

[COLOR="red"][B][CENTER]"Errors do not cease to be errors simply because they’re ratified into law.” [/CENTER][/B][/COLOR][B][CENTER] E.A. Bucchianeri[/CENTER][/B]

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Also............... you mentioned being in a fixed rate deal on your mortgage with 5 mths left before you get on the variable rate...

 

7.49% really hurts in the current economy - but take heart from the fact that you only have 5 mths until you get onto a variable rate - you will be on a LIBOR rate I beleive if you are with Kensington? - (it might be worth pushing them to end the 'fixed' term sooner, considering your circumstances)

 

Mortgage rates are at the lowest they have been for years - LIBOR rates have dropped too - so you will make a huge saving (so long as the Bank of England rates stay low for the forseeable future) once your fixed rate ends - your payments could go down.

 

Hope this helps. : )

[COLOR="red"][B][CENTER]"Errors do not cease to be errors simply because they’re ratified into law.” [/CENTER][/B][/COLOR][B][CENTER] E.A. Bucchianeri[/CENTER][/B]

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Thanks for that applecart, I was wondering if my mortgage would shoot up at the end of the fixed rate, because I may as well rent if it gets any higher...

 

They are also charging me £50 per month for being over a month in arrears and have done for months.......

 

Thanks

 

NWJx

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They do tend to charge extortionate areears fees Nowayjose....

 

But for now.......

 

The main thing though is to try to get the main issues dealt with first - which is to get them to acknowledge their responsibility to assist you stay in your home - the letter I posted, will give them something to chew on and come back to you ideally with some positive feedback....

 

If successful, this will take a huge worry off your shoulders I'm sure : )

 

If I can assist anymore, let me know

[COLOR="red"][B][CENTER]"Errors do not cease to be errors simply because they’re ratified into law.” [/CENTER][/B][/COLOR][B][CENTER] E.A. Bucchianeri[/CENTER][/B]

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Hi, Cymru, Im not too bad at the mo, been very busy trying to organise my debts (specially my recent car repossession, very interesting, but will have to see what happens there..) quite looking forward to them chasing it up, if the advice I have been given on here is correct, some are through PM just in case their watching you never know:rolleyes:

Ive also been trying to work extra hours but not much happening there.. did less than 25 hours this week, not enough for us all to live on...Ive applied for 2 jobs, one of which I really want, fingers crossed... also in the middle of doing my NVQ in health and social care, so I think its a bad time to start my diet... Im far too stressed!!!

Hope your well and enjoyed the Easter break??

Take care

NWJ xx;)

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Hi, you seem to be feeling a bit more positive now, I hope you are.

I've been watching your car repossession, it looks like you may get some luck there......

Fingers crossed for your jobs and if you find a way to motivate yourself to lose weight let me know

We had a lovely Easter, walking on the beach with the dogs; although the weather was nice, now it's hot enough to sunbathe I'm back home:(

Good luck with everything.

C

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Thanks both, Im really hoping I will get lucky with a Scheme Managers job at a sheltered housing complex in my local area.. would be a big pay increase for me, Ive had a lot of experience working with the elderley but I think I might be aiming a bit high, but hey.. you never know unless you try??

NWJxx

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Thanks both, Im really hoping I will get lucky with a Scheme Managers job at a sheltered housing complex in my local area.. would be a big pay increase for me, Ive had a lot of experience working with the elderley but I think I might be aiming a bit high, but hey.. you never know unless you try??

NWJxx

 

A good attitude is half the battle, go for it :D

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Im really having a bad day... I feel like Im on a sinking ship... SD received from 1st cred, reminder on my Council tax which I cant pay.. letter from AOL threatening court action. Unplugging my phone to stop DCAs ringing (or ignoring it)

 

Really fed up:(

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