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    • Well, that's it then. Clear proof of the rubbish cameras. Clear proof of double dipping. G24 won't be getting a penny. Belt & braces, I would write to the address LFI has found, include the evidence of double dipping, and ask Fraser Group to call their dogs off.
    • LOL. after sending Perch capital a CCA request with a stapled £1 PO attached (x2) Their lapdog Legal team TM Legal have sent me two letters today saying "due to a recent payment on the account, your account is open to legal/enforcement action" so i guess they have tried to apply that payment to the account to run the statue bar along. dirty tactics lol.
    • I have initiated the breathing space so ill wait. from re reading everything this what i understand BS gives me 60 days break from the creditors during these 60 days they may contact me and will most likely default I need to wait until after a default notice to see whether the OC will keep the debt or sell it off If kept by the OC then i should attempt a plan or pay some token payment? If sold to DCA then don't pay and after 6 years it will leave my credit report once the DN is registered with a date. DCA may start a CCJ but unlikely, if they do come back here. last question, do you know roughly how long this will all take? in terms of defaults/default notice, potential CCJ? Would you say I have 12 months plus from when the BS ends?
    • Well, it's up to you. Years & years & years ago the forum used to suggest appealing to POPLA, but then AFAIK POPLA's remit was changed and it became much more biased in favour of the PPCs. One of the problems with taking that route is that the onus will fall on you to prove your appeal, while if you do nothing the onus is on MET to start legal action which experience teaches they are very, very reluctant to do. If you go down the POPLA route I would think your ace would be insufficient signage.  Are you able to go back there and get photos of their rubbish, entrapping signs?
    • The first clearly visible sign as you pull in to the car park states “McDonald’s Customers Only 60 minutes” The next clearly visible sign is an almost identical sign outside Starbucks which states “60 minutes free stay for customers only” There are other signs towards the rear of the car park (away from the outlets) that have the terms and conditions on them in very small print.
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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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cwoj vs Citi Cards


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Hi CWOJ............ my joust with citi is at the stage where I have a hearing at my local court in March.... about 4 months after the AQ... i now have to send in some other stuff by jan 10th. It is certainly long-winded. You have to learn all this legal mumbo jumbo step-by-step. Citi seem to drag it out as much as possible. I just get more determined the more they provaricate. They really are a bunch of idiots. Like naughty children with a soft parent (the courts). They obviously assume we will all get fed up and go away. What they don't realise is that the publicity they are attracting brings in more upset citi card sufferers. If they have 2 million card holders and 25% have been hit with charges, only a tiny proportion have so far put in a claim. Any publicity will encourage thousands of others also to claim. They are obviously not setup to cope. If 2,000 more claim they will fall behind in processing the paperwork. They created a machine to make money but never had to think how it works. Now they have to think, it is slowly unravelling. A brilliant man created the machine called Citicards, but left it staffed by nincompoops. Like a fitter stood next to an Enigma machine with a oily rag.

 

Are you Ok with what you need to send in - or do you need any help?

Consumer Health Forums - where you can discuss any health or relationship matters.

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Gizmo by 10th jan I have to "serve standard disclosure of documents"......... whatever that means. My plan was to be totally relaxed about it 'til this weekend and then PANIC... it always works.

KBO

If you can't fight, wear a big hat.

 

Halifax... 2 successful claims....£518

 

CitiCards..... judgement and cheque (26/7/07) .... won £900

 

RBS business..... .....stay lifted reissued N1..... won £2105

 

Midland1 business.1996/1997.. first letter (27/6/07)....£1470

 

First Direct...... first letter (30/6/07).... £839.... stayed

 

plus another 13 banks/business/cc's to come for £10,000 plus.

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Gizmo by 10th jan I have to "serve standard disclosure of documents"......... whatever that means. My plan was to be totally relaxed about it 'til this weekend and then PANIC... it always works.

 

I am doing some for standard disclosure between now and Friday so contact me Sat and we can compare what we have.

Consumer Health Forums - where you can discuss any health or relationship matters.

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i have to send in my documents, which i am fine about. Basically its all my statements, and my letters and their letters. whats else would i need?

 

A copy of the oft report? any other documents?

Halifax Current Account - Claiming Over £2k

Halifax Card Services - Claiming Over 1K

Capital One - Settled

Citi Cards - Claiming Over £1k

Abbey National - Claiming Over 3K

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anyone?

Halifax Current Account - Claiming Over £2k

Halifax Card Services - Claiming Over 1K

Capital One - Settled

Citi Cards - Claiming Over £1k

Abbey National - Claiming Over 3K

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i have the court date and time. They just need me to send in the documentation that i plan to use as evidence.

Halifax Current Account - Claiming Over £2k

Halifax Card Services - Claiming Over 1K

Capital One - Settled

Citi Cards - Claiming Over £1k

Abbey National - Claiming Over 3K

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i have the court date and time. They just need me to send in the documentation that i plan to use as evidence.

 

Are they asking for standard disclosure? When does it have to be in by?

What have you received from Citi?

Consumer Health Forums - where you can discuss any health or relationship matters.

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No they are not as far as i can tell.

 

They have sent me

 

Documents Received:-

 

Philips Hong Kong Ltd v’s The Attorney General of Hong Kong

Dunlop Pneumatic Tyre Company Ltd v’s New Garage and Motor Company Ltd

OFT Report (April 2006) (Marked Exhibit 1)

Jobson V’s Johnson

Citifinancial Default Fee Cost Justification (Marked Exhibit 2)

Witness Statement From Alan Jones (FD)

Skeleton Argument

 

Its need to be in by tom. I am late already but i spoke to the courts and they have said that i will be ok so long as its in by tom aft.

Halifax Current Account - Claiming Over £2k

Halifax Card Services - Claiming Over 1K

Capital One - Settled

Citi Cards - Claiming Over £1k

Abbey National - Claiming Over 3K

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thanks for your help. I have a lot to go through.

Halifax Current Account - Claiming Over £2k

Halifax Card Services - Claiming Over 1K

Capital One - Settled

Citi Cards - Claiming Over £1k

Abbey National - Claiming Over 3K

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