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    • Hi everyone, I have an update on my case that I’d like to share with you all.  so after submitting 371 pages in my bundle, a witness statement and skeleton argument for my court case due to take place in Manchester on June 21st I got an email from my litigator stating that hmrc have pulled out and the case is now closed!    this is the body of the letter….. This letter, which is copied to the Appellant, pursuant to Rule 17 of the Tribunal Procedure (First-tier Tribunal) (Tax Chamber) Rules 2009, the Respondents gives notice to the Tribunal of their intention to not defend the above appeal.   The Respondents respectfully invite the Tribunal to allow the appeal and close its file. In lieu of the above the Respondents would respectfully ask the Tribunal to vacate the hearing scheduled for Friday 21 June 2024. We would accordingly invite the Tribunal to close its file. Obviously this is extremely good news which hasn’t sunk in that after 3 years of fighting it is over.    I do have a further fight on my hands in that the Group Action I had joined with Independent Tax that had been disbanded in November last year and I chose not to continue with them. They are trying to bill me over 5k for the work they did under that Group Action which is ludicrous bearing in mind the whole point in joining was that it would keep the cost to a minimum as it would be shared between us all. They had asked if I wanted to continue to have them represent me on an individual level which I declined, if I hadn’t, goodness knows what they would have been trying to charge me now. 
    • President Ruto says Kenyans pay less tax than citizens in some other African countries.View the full article
    • As PM Sunak really showed his true colours at the D Day Commemorations by doing what? Oh I am the British PM lets just leave early I have better things to do and as he is called out on disrespecting all those veterans that served our country for the freedoms we have today he gives a groveling apology to little to late. He knew about this event for a long time and also knew that this is probably the last D Day Commemoration due to the age of those Veterans who gave so much for there countries freedom. Even on the day of the D Day Commemoration he still could have changed his plans As PM and stayed but choose not to showing such DISRESPECT to those Veterans, those that lost there lives and Families for the Freedoms we have today Being a Veteran myself I have never known a PM to show such disrespect what the hell was he thinking SHAME ON YOU PM SUNAK  
    • Thanks. We'll try to help over the weekend. If the hearing is on 05/07 then it's 90% sure that the deadline for filing your WS is 21/06.
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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 
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    • Housing Association property flooding. https://www.consumeractiongroup.co.uk/topic/438641-housing-association-property-flooding/&do=findComment&comment=5124299
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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.
      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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APEX/EGG Again


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Isn't the original agreement missing some of the prescribed terms? It says "Approved limit" rather than "Credit limit".

 

Have a look at my Egg thread for some more information, there is also a link to a really good thread by Angry Cat in there

 

http://www.consumeractiongroup.co.uk/forum/debt-collection-industry/213468-egg-valid-cca-now.html

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Well i have responded with letters to OFT and DCA now. Im also involving the police fraud team as i feel this is total fabrication and fraudulent use of unsupporting documents.

 

Would appreciate any other views on CCA validity?

 

There are so many anomolies on the paperwork they have sent me!!! Its unbelievable.

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  • 3 weeks later...

I don't understand why they sent you the document in post 24 Hacked off as what was supplied in post 23 would have sufficed, together with a copy of original and current terms and conditions???

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

 

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I don't understand why they sent you the document in post 24 Hacked off as what was supplied in post 23 would have sufficed, together with a copy of original and current terms and conditions???

 

I dont know either? Why send the supposed un-enforcable cca and a typed out CCA that has no signature and means what? :!:

 

Any ideas/explanation?

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  • 2 months later...

update

well after a reply from ombudsman! Basically saying they can't rule on validity of CCA!! Only a court can!!

Had a couple of letters from Apex since, STD you have not contacted us letters, now had a letter saying as I have not contacted them they are going to hand it to their PRE LITIGATION Dept!!! I'm guessing this is horse apples!!!

 

Any one else had these with Apex and advice?

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update

well after a reply from ombudsman! Basically saying they can't rule on validity of CCA!! Only a court can!!

Had a couple of letters from Apex since, STD you have not contacted us letters, now had a letter saying as I have not contacted them they are going to hand it to their PRE LITIGATION Dept!!! I'm guessing this is horse apples!!!

 

Any one else had these with Apex and advice?

 

I've had that letter also and have just ignored it. They threaten litigation and then revert to door step threats and then they offer to negotiate. They seem to run out of their bullshine letters at this point as I have ignored them all and they appear to be repeating the cycle!!

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

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I've had that letter also and have just ignored it. They threaten litigation and then revert to door step threats and then they offer to negotiate. They seem to run out of their bullshine letters at this point as I have ignored them all and they appear to be repeating the cycle!!

 

 

Thanks for re-assurance, thought it was that!! I love the "You have failed to contact us letters" What they mean is you have contacted us but not what we wanna hear!!!

 

I'm now ignoring these idol threats too....Wasted enough time on these timewasters already!!!!:-)

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Check my thread too.. it almost mirrors your situation. Ive just had a 'you have failed to contact us' letter.. basically, i am ignoring them now until they come up with a valid cca or court instructions.. I'll keep my eye on your thread

 

Apex Credit have bought debt from Egg is my thread

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