Jump to content


  • Tweets

  • Posts

    • Oh, one other thing. It may sound a silly question, but as they say - silly questions are better than silly mistakes. The correspondence address in the current case and the previous one is correct and current. I've never actually written to the banks to confirm my address, as is regularly advised, because I presumed if Moriarty/IDR/J&P are using that address, there would be no need to. So because both cases seem to have my address correct, should I still write to the bank or take it that there's no need in this instance?
    • Yep, that's it @dx100uk - thanks for the clarification. My bad... Cheers again for all your help 👍
    • Hi all Just coming back to this Forum, as it helped me so much a few years back with ADCB/Moriarty. So I've had the circulars from IDR chasing Emirates NBD debt. They've been on and off over past few years, seem to be a run of letters, emails SMS and then go quiet, then start again.   A few months ago, same started with J&P, just a basic letter, email, sms asking to get in contact. Then last week I saw an email from Emirates NBD saying J&P were acting on their behalf. Up to this point, the main thrust of the letter seems to be please contact us, or contact ENBD about payment. Then I received a letter - I can't scan/upload it at this time but I will as soon as I can - which appears to be similar to what I've seen on other threads. Namely giving bank details of ENBD, saying they've been "instructed to pursue action", and saying they've enclosed a copy of Information Sheet, Reply Form in compliance of Pre-Action Protocol They state I have 30 days from date on letter to reply, and "if you fail to do so our client may have no option but to pursue further action against you". I'm of the view, as per advice on other threads and my experience with the other lender/company, to reply as per thread #5 in the main thread. On the basis that I wouldn't wish to give them ammunition by not replying or missing the opportunity. I'm aware that on some threads, in similar situation, one poster had been advised by sols not to reply and apparently J&P didn't progress from there, other than sending same requests. I feel these things are always down to the individual's choice, and I'm keen to see what others may have done/may be doing so will actively read other threads also.   Please feel free to ask if I can help with anything, or share any opinions, and in the meantime I'll get the uploads done ASAP.   Thanks again for everyone's help in the past, and hopefully the future, and good luck to all
  • Recommended Topics

  • Our picks

    • 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
        • Like
  • Recommended Topics

Unenforceability Cases on hold until further notice


style="text-align: center;">  

Thread Locked

because no one has posted on it for the last 5337 days.

If you need to add something to this thread then

 

Please click the "Report " link

 

at the bottom of one of the posts.

 

If you want to post a new story then

Please

Start your own new thread

That way you will attract more attention to your story and get more visitors and more help 

 

Thanks

Recommended Posts

I am VERY angry in being CAGbotted because I posted ONE reply yesterday merely asking that we return to the main topic of this thread.

 

My interest has absolutely nothing to do with claim companies and my interest is solely in the unenforceability cases being stayed.

 

My post got CAGbotted, however the following post BACKING my comment that we should return to the main debate was left in place.

 

I feel insulted & let down in getting CAGbotted simply for asking that we return to the main subject of the thread.

 

Beachcomber60, I've responded to your PM.

 

 

No idea what being CAGbotted means, but neither do I care. ;)

 

I would rather this stays on topic, so I assume a good thing?

 

Been here (lurkin...) a long time and I'm none the wiser.

 

Cagbot is post unapproved or edited or moved. I have no idea how it works ;)

 

Thanks, yourbank.

 

CAGbot is an automated notification from the forum system to tell you that your posts have been edited/moved/moderated - they are sent out to let you know what has happened to your posts, etc.

 

Link to post
Share on other sites

  • Replies 1.5k
  • Created
  • Last Reply

Top Posters In This Topic

Top Posters In This Topic

I was actually Cagbotted myself twice during the process !!

 

Good. Still no idea what it means, but if it happens to the mods as well then that is fair play.;-):D

 

CAGbot is an automated notification from the forum system to tell you that your posts have been edited/moved/moderated - they are sent out to let you know what has happened to your posts, etc.

 

EDIT: There we go then. :)

[SIZE=2][COLOR=SeaGreen][FONT=Verdana][URL="http://www.nationaldebtline.co.uk/"][/URL][/FONT][/COLOR][/SIZE]

Link to post
Share on other sites

Meaning....as the posts not relating to the original thread were cagbotted and removed to another thread...does that mean all the posts about cagbotting on this thread are now going to be removed too? sorry...my sense of humour:oops::oops:

Edited by Spamalot

[sIGPIC][/sIGPIC]

 

They say money talks......mine just keeps saying "Goodbye"

Link to post
Share on other sites

Those who have been cagbotted,were not singled out specifically,some inappropriate links were removed and possibly quotes in posts containing those links.

I was actually Cagbotted myself twice during the process !!

 

Me too..and my bum is still aching!! lol ;)

 

I only wish that being Cagbotted was the only thing I had to worry about!! :-(

 

Actually, I thought Chris did a good job of de-tangling the threads even though, being a woman, I am naturally beyond reproach and being a man (as I presume Chris is) then he was obviously wrong!! :p

 

Now, lets get back to business...being off line has really affected me!! :D

  • Haha 1

If you feel I've helped then by all means click my star to the left...a simple "thank you" costs nothing! ;)

 

Restons MBNA -v- WelshMam

 

MBNA Cards

 

CitiCard

M&S and More

Link to post
Share on other sites

Latest pearls of wisdom from the BBC http://news.bbc.co.uk/1/hi/business/8037983.stm

 

Not exactly latest. And not exactly wisdom either.:eek::rolleyes:

 

The BBC have finally noticed.

 

BBC NEWS | Business | Judges seek hold on debt claims

 

CAG gets a mention. ;)

 

Sorry. I am a pedant and know it. :oops:

[SIZE=2][COLOR=SeaGreen][FONT=Verdana][URL="http://www.nationaldebtline.co.uk/"][/URL][/FONT][/COLOR][/SIZE]

Link to post
Share on other sites

the BBC couldnt be further from the mark on this subject.

 

anyone wishing to clarify matters, please contact nerys the Court Manager at Chester High Court

 

there is sooo much nonsense, cr@p and other useless info being bandied about at the moment so i prefer to speak to those who actually know rather than journalists who think they know

Link to post
Share on other sites

the BBC couldnt be further from the mark on this subject

 

Just reading through that report and this thread, proves that point.

 

Hopefully this should (in the end) help consumers. ;)

[SIZE=2][COLOR=SeaGreen][FONT=Verdana][URL="http://www.nationaldebtline.co.uk/"][/URL][/FONT][/COLOR][/SIZE]

Link to post
Share on other sites

i prefer to speak to those who actually know rather than journalists who think they know

 

Seconded!

Any knowledge I possess or advice I proffer is based solely on my experiences in the University of Life. Please make your own assessment of legality, risks & costs before taking any action.

 

Link to post
Share on other sites

the BBC couldnt be further from the mark on this subject.

 

anyone wishing to clarify matters, please contact nerys the Court Manager at Chester High Court

 

there is sooo much nonsense, cr@p and other useless info being bandied about at the moment so i prefer to speak to those who actually know rather than journalists who think they know

 

 

I have a case which was issued against me by MBNA in the Chester County Court.

I spoke to them on Friday and they said a letter was posted to me on Friday informing me of the situation.

Postman has just been but nothing so far

Link to post
Share on other sites

BBC Radio 4's You & Yours had an article about these claims companies, and the cases being put on hold today. It should be up after 3 PM:

 

BBC - Radio 4 You and Yours - Monday

 

I'm sorry to say it was the usual disinformation and getting the wrong end of the stick as usual :(

 

I wonder how much of the disinformation is getting the wrong end of the stick and how much is deliberate?

Financial institutions are massively important to media companies in terms of advertising revenue and the BBC are the propoganda vehicle of the Government.

Does not take a genius to work out who's side they will be on in this

Link to post
Share on other sites

The BBC got the Halbert 9WAxxxx document and thats all they were sent, the rest they took from contacts in the industry.

 

 

Judges in England and Wales are considering putting on hold up to 100,000 claims for the cancellation of credit card and other consumer debts.
Estimates vary but up to 100,000 claims may be involved

 

The proposal is to select the cases then stay all other until the test cases have established the requisite principles

 

 

The judiciary is planning to select a few claims for a test case in the High Court to decide the issues involved.

 

The consensus is that the appropriate course is to refer a few carefully selected cases to the Commercial Court in London on a test basis

 

No deadline has been set for any decision on a test case, which will be decided by Lord Justice Moore-Bick, the deputy head of civil justice.

 

 

 

I don't think that can be construed as delibrately misleading any one - it is how it is taken from the letter from Halbert.

 

The only disinformation has been from the CMCs, whether for or against.

Edited by yourbank

.

FSA Waiver on Bank Charges:http://www.fsa.gov.uk/pages/Doing/Regulated/Notify/Waiver/pdf/dir_quart_0709.pdf

Link to post
Share on other sites

BBC Radio 4's You & Yours had an article about these claims companies, and the cases being put on hold today. It should be up after 3 PM:

 

BBC - Radio 4 You and Yours - Monday

 

I'm sorry to say it was the usual disinformation and getting the wrong end of the stick as usual :(

 

Yes, at the end of the prog. but the primary content was having a pot at the companies who promise you they'll get rid of all your debts - just so long as you pay them trillions first! And that kind of publicity can't be all bad.

Any knowledge I possess or advice I proffer is based solely on my experiences in the University of Life. Please make your own assessment of legality, risks & costs before taking any action.

 

Link to post
Share on other sites

When i first noticed this thread i must of picked up entirely the wrong idea lol.

I got the impression that this judge whatshisname was refering selcted cases to another court in order to get some set criteria in place from thse hearings. Hopefully to enable easy decision making in the CC. I.e speeding everything up. Straight forward script for assessing a CCA ect ect.

 

did i get the wrong idea lol? is this infact some sneaky effort to stitch up the consumer again lol.

Link to post
Share on other sites

When i first noticed this thread i must of picked up entirely the wrong idea lol.

I got the impression that this judge whatshisname was refering selcted cases to another court in order to get some set criteria in place from thse hearings. Hopefully to enable easy decision making in the CC. I.e speeding everything up. Straight forward script for assessing a CCA ect ect.

 

did i get the wrong idea lol? is this infact some sneaky effort to stitch up the consumer again lol.

 

So much conjecture at the moment, its a tad confusing to be fair mate.

 

Some suggest this Judge is consumer friendly and is only trying to make the mass of cases in the pipeline get through smoother and swifter... others suggest more underhand tactics by banks/government etc.

 

For my money, how can they rattle the consumer now? After precediants set out by Wilson and other case law?

 

It would all be out in the open and it would look bloody bad on the banks and government if they tried to whitewash it all.

 

With the might of the multi million pound claims industry and their own barristers etc... i doubt it will be an easy task for the banks....

 

Ultimately, this will backfire on them.... as soon as the truth is out, there will be a DELUGE of claims.

Link to post
Share on other sites

style="text-align: center;">  

Thread Locked

because no one has posted on it for the last 5337 days.

If you need to add something to this thread then

 

Please click the "Report " link

 

at the bottom of one of the posts.

 

If you want to post a new story then

Please

Start your own new thread

That way you will attract more attention to your story and get more visitors and more help 

 

Thanks

Guest
This topic is now closed to further replies.
  • Recently Browsing   0 Caggers

    • No registered users viewing this page.

  • Have we helped you ...?


×
×
  • Create New...