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    • 1. who knows... 2. not the whole A/C vanishes from your file on the DN's 6th b'day ...already carefully explain this. 3.yes 4.already carefully explain this.
    • if i remember rightly, long ago in one of the first drafts of the old proposed gov't overhauls, there was a listing of recommended 'charges' that inc wrong reg = £20. some PPC's implemented such changes in advance. then later as it looked increasing likely the new code was never going to be implemented after it's 1st review and another set of codes was to be debated they all quietly revert back .......... dx
    • Potentially it may not even get sold on? Just the default left for 6 years then gone? but if it is sold on ill get a letter from the DCA which is the notice of assignment? Sorry what is the different between a default notice and a default cal marker? yes, i may try and work arrangements out with the OCs after the breathing space but I'll see my circumstances then thank you again for all your help and patience, I really appreciate it and apologies If i am too fast or repeating myself.
    • receiving a default NOTICE (forget simple default cal markers) does not mean it will get sold on... OC's very very rarely do court themselves.  if it does you would receive a Notice of Assignment from the debt buyer/DCA.  as for reduced payment if it remains with the OC and they issue a DN, no harm in trying but lets get all your ducks inline first. dx  
    • okay thanks do you know how long it will take for it to get to the DCA or could the OC try and issue a CCJ? even though it's unlikely also for example would the OC agree to a reduction and a small payment over a super lengthy period of time if agreed? Rather than go through chasing apologies again for all the questions, just trying to understand all the possible scenarios.  
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      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.

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    • 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.
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      OT APPROVED, 365MC637, FAROOQ, EVRi, 12.07.23 (BRENT) - J v4.pdf
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What Made You Want To Swear Today?


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I love that clip Conniff, brilliantly done :D

Keep up the fight against Bank Charges.

 

 

Got Debt problems?

Don't panic, put the kettle on and read this

 

:-) Everything I write comes from my heart and head! The large filling cabinet that is my knowledge of life, however warped that may be!! :-)

 

<<< Please tickle my star!! if I have managed to help you or just made you chuckle!

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That's a very funny clip.

 

Joking aside, airline travel is incredibly cheap. Of my £440 flight, £225 is paid in taxes. So i get a 13,000 mile, 26 hour flight for £215. Unbelievable.:whoo:

I Wish you everything you wish yourself.

 

NatWest Claimed £1,639. Accepted £1,344.

Natwest Paid me again as GOGW £1,656. Yes they can have it back if they say please.

Barclays 1 Claimed £1,260. Won by default. Paid in full

Barclays 2 Claimed £2,378. Won by default. Paid in full

Birmingham Midshires. Claimed £2,122. Accepted £2,075.

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That isn't the point of it the actual flight price, it's the overall cost without being told up front what it is.

Note the bit about plastic and UKaviators post

Dial A flightlink3.gif CHARGED me £27 surcharge because I paid with a credit card

 

The banks don't charge that, it's a penalty charge.

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Natwest and their inability to follow reasonable requests with regards to the Equalities Act.

 

Inconsiderate people. Thanks to this person deciding to randomly type in consecutive capitals in every single post, I am now going to have to the (not here) forum. I love it there - but can't be doing with people like her who can't seem to understand that a) it sounds aggressive and b) it gives the impression you're shouting.

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The toerag who smashed the rear window of my son's car and his neighbours. In broad daylight too the cheeky %$£*@^$ :mad2:

The Consumer Action Group is a free help site.

Should you be offered help that requires payment please report it to site team.

Advice & opinions given by Caro are personal, are not endorsed by Consumer Action Group or Bank 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.

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I was contacted by an agent on behalf of my housing association.They asked me to complete a survey.......not a problem.

 

The reason for the survey.......the goverment are considering adding social housing tennants rent accounts to their credit file.

 

Not a reason to get angry and swear you may say...........my HA made a mistake on my rent account and issued a notice of possession......it's since been sorted out and they wrote to apoligise for their mistake iv'e been assured it will not show on my rent account........what concerns the most is how much more data do they want on credit file,when the credit agences don't care if mistakes are made and won't take steps to rectify them:x

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Finding only half the usual amount of Child Tax Credit in may account today because my eldest has turned 16, they were notified that she was going into 6th form, but they alway cut the CTC on the 1st of Sept for these kids, whilst they recalcuate. Should be corrected next week with the amount they owe added - doesn't help me today though!

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Form about voters register stuck through the letterbox, stating Final Reminder, funny but its the only form I've had so far.... lying toads are going to get a piece of my mind tomorrow when I hand it in person - office is a three minute walk from here.

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:x:-x:-x:-xBanks:-x:-x:-x:x

Keep up the fight against Bank Charges.

 

 

Got Debt problems?

Don't panic, put the kettle on and read this

 

:-) Everything I write comes from my heart and head! The large filling cabinet that is my knowledge of life, however warped that may be!! :-)

 

<<< Please tickle my star!! if I have managed to help you or just made you chuckle!

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Domino's pizza £5.99 promotion this week any size, so I go and buy my team and myself a big un each. . . Feel sick now grrrrrr

 

Never again. . .

WARNING TO ALL

Please be aware of acting on advice given by PM .Anyone can make mistakes and if advice is given on the main forum people can see it to correct it ,if given privately then no one can see it to correct it. Please also be aware of giving your personal details to strangers

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Domino's pizza £5.99 promotion this week any size, so I go and buy my team and myself a big un each. . . Feel sick now grrrrrr

 

Never again. . .

 

 

I must admit, the Dominoes where I live is awful too (nothing like what you see on the telly). The problem is, just like KFC, the shops are all franchised just like a pub.

Someone pays to use their recipes and then does a bad job of it. The bad food is nothing to do with Dominoes or KFC themselves, rather just bad management that

need to have a lot of complaints about them before they will do anything about it. The KFC's by mine are terrible too.:-(

 

 

If all else fails, kick them where it hurts and SOD'EM;)

 

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Again my mad stalker hacked my facebook and wrote nasty things on it this women is seriously ill but my son got it back early hours this morning she likes to play games we just ignore her best thing police told us ignore her it winds her up lol as i always say what you dont read cant hurt you i stick to that

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Is there really this woman has written all over the place with my real name as well i thought hacking an account was a crime? Shes nubering every day on her profile ie 3 days to go then its 2days to go ive print screened it so i can show the police i know who she is she also watches my profile on here thats why i cant tell you anything now about my sons case because he now disabled she wrote a malicious letter to the DLA saying nothing was wrong with him the fraud squad visited him and saw how ill he is and said it was malicious. And said sorry to my son shes an evil woman and needs to get a life instead of sitting behind her laptop 24/7 and some house work it didnt affect his money just upset him because he doesnt like people in his home these stalkers should be put down thankyou BB will look into that xxx

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This:

 

http://www.dailymail.co.uk/news/article-2033747/While-1m-homes-asylum-seekers-soldier-lost-limbs-tiny-sixth-floor-flat.html

 

This poor, poor guy. Doesn't the stupid Council realize that if there is a fire and no lift he will burn to death. I have emailed them. I mean honestly, if someone like this poor man doesn't get housing priority then whoever is in charge of their Housing Department is completely missing the plot.

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Is there really this woman has written all over the place with my real name as well i thought hacking an account was a crime? Shes nubering every day on her profile ie 3 days to go then its 2days to go ive print screened it so i can show the police i know who she is she also watches my profile on here thats why i cant tell you anything now about my sons case because he now disabled she wrote a malicious letter to the DLA saying nothing was wrong with him the fraud squad visited him and saw how ill he is and said it was malicious. And said sorry to my son shes an evil woman and needs to get a life instead of sitting behind her laptop 24/7 and some house work it didnt affect his money just upset him because he doesnt like people in his home these stalkers should be put down thankyou BB will look into that xxx

 

Can you change your username on here? Also, I know people on Facebook who use fake names - would that help at all?

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my stalker has opened up a facebook page in my name saying things about me can she do this surely not my daughter has print screened it all my stalker is counting down the days to do something to me or one of my family and keeps saying karma is coming back to me im taking this to the police ive had enough of this stupid woman now she has no guts just hides and shes done this before many times yet the police do nothing posing as me has gone to far now

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shes been doing this to so many people on sites, she likes the dramas in her life, i know her daughter and she said she sits on the internet all day watching peoples profiles, stalking them, i think its time i stopped her now her daughter has said she will also tell the police the fake names she uses as well , i have also spoken to another family who she stalked and contunually rang their phone all through the night so i have many witnesses to all this, she has to be stopped now enough is enough, she needs to get a life and get off the computer she has lost many friends because of what shes been doing to people, she really needs help now

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