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    • Hello, Following the submission of my defense, last night I received an email from DCBL indicating that the claimant intends to proceed with the claim (I've attached a screenshot of the email for reference) along with the N180 directions questionnaire. I'm unsure how they obtained my email, but I suspect it was through the courts' form when I completed the Acknowledgment of Service. This email almost slipped my attention. I have also today received a letter from court to state they have received my defense.  It appears they are requesting an online telephone hearing with the court. Could you please advise me on the necessary steps I should take at this point? Thank you for your assistance. Letter-Email 25-04-24.pdf N180 - Directions questionnaire (Small Claims Track).pdf
    • Default Amount £9237.88, all this started in 2006 Admitted debt £9075.65 Weightmans added £1515.01 immediately they became involved, no explanation The Statement shows when Marlin bought debt in May 2011 £10439.25 Their statements, not received until the SAR, are based on this. Cabot deducted £1515.01on their statements in January 2019, again did not find this out until SAR. Weightmans added in  2007 after the CH1 etc was confirmed by the court £741.50, made up of Process server fees, Court Fee (they tried for bankruptcy), Solicitors fee and Land Registry fee. Unspecfied Legal costs were added by Marlin in March 2015, again I did not know this until statements received with SAR I had been paying monthly, without exception until December 2018. I am minded to take the property charge, CH1 amount ,deduct all my payments and the subsequent fees, and request/demand a refund on the final payment made? I consistently disputed Weightmans balances, but they never responded. I also told Mortimer Clarke/Cabot that I disputed their amounts.  
    • Just follow this link and have read of some threads so your familiar with the process https://www.consumeractiongroup.co.uk/topic/347310-legal-n180-directions-questionnaire-small-claims-track/#comment-5178739
    • Sorry,  I'm not familiar with terminology.  Direction questionnaire is what I've seen online as next step. Witness statement: I haven't gone that far, that's why I put the question marks.
    • 2. Is correct disregard 1. You must attend ad per the order 
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    • If you are buying a used car – you need to read this survival guide.
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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 
      • 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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I expect you thought this topic was sure to be about football. No, not football but maybe a game of two halves! BTW so football does get a bit of a plug I have a Spurs household, I stay on the side line on that! Anyway, I wanted to help the Government with a suggested list of names to consider just in case the RBS Board decided to go if bonuses were culled or imo not given this year as you didn't make any profit over and above your debts last year. I read a journalist over heard two Bankers talking and one said to the other "This is our best year ever!" Planet comes to mind. I start the running. Perhaps you have thoughts on name suggestions please add.

 

Sir Alan Sugar Entrepreneur So good at saying "Your Fired!"

 

Peter Jones CBE Entrepreneur

 

'Olly' Rothschild International Man of Excellence

 

Sir Terry Leahy CEO of Tesco

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Or Stelios from easyjet :p it'd be easier for them to evade a sniper if they were wearing as much orange... they'd blend in to their own fake tans!

If in doubt, contact a qualified insured legal professional (or my wife... she knows EVERYTHING)

 

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...I wanted to help the Government with a suggested list of names to consider just in case the RBS Board decided to go if bonuses were culled...Perhaps you have thoughts on name suggestions please add.
MilkTrayMan - CEO

CV - I sometimes play golf + I know nothing about any alleged backroom dealings done in the council estates of Eton.

8-)

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Roger Cook - investigative journalist

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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Why, what has Roger Cook ever done to you? :shock:

 

He could make sure everyone behaves themselves!

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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It's about changing a mind set which I think started when the Uk was turned into a service industry and not being more self sufficient. Banker bashing has been mentioned but let's get constructive. I still like to bear in mind they are the servants not the masters. There were rules which were ignored in the industry and now everyone is paying the price. 40k per household I last heard.

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Simon Cowell. Everyone would want to bank there, you could get the really good bankers as all the other banks would close because their customers have left to go to The Bank with the X Factor. It could be charge free as there would be loads o money and wouldn't need to pinch off those who were less fortunate.

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  • 4 weeks later...

If Richard Branson is going ahead with creating a new bank, it would be the opportunity to make it the one everyone is looking for and ticks all the boxes. At the moment it is difficult for someone to get a debit card if there is adverse info registered against them by a Credit Reference Agency which can sit around for six years. After all a debit card is a way to pay for goods direct from your account.If you are refused a debit card this prevents you from buying on line and more often goods on line are cheaper. Again this means you are preventing people for getting a better deal.

 

Caro has started a thread in The Consumer Forum titled Bank Charges Campaign continues. I will get a link. Give your thoughts and there is also a link on the thread to another petition to reduce the length of time CCA's hold info from six years to three.

Edited by determindator
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At the moment it is difficult for someone to get a debit card if there is adverse info registered against them by a Credit Reference Agency which can sit around for six years. After all a debit card is a way to pay for goods direct from your account.If you are refused a debit card this prevents you from buying on line and more often goods on line are cheaper. Again this means you are preventing people for getting a better deal.

 

My Credit is pants and I have had that problem for years. Someone told me to give Halifax (EasyCash account) a go, so I did. I applied for it online and only had to send them a photocopy (or scan if you wish) of my passport. I had a debit card within 10 days and it was a couple of weeks before Christmas as well, which came in handy. You can do everything you can do with a regular account (standing orders, dd's, money transfers etc), but you can't get interest or an overdraft. And of course, you can shop online and stuff.

 

I wouldn't recommend Halifax for anything else personally, but if you need a debit card (which everyone does), then it's a must.

 

I had previously been refused by the Co-op who are meant to accept everybody.

 

 

https://www.halifax.co.uk/easycash/forms/ey_main.asp?applicationState=1&brand=halifax&navigation=b

 

 

Here is the link for the online application for anyone that wants it.

 

 

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

 

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Many thanks Sodem for your informative post. You may want to post this info in the Bank Forums where more peeps will see the info. I will give you a well deserved green blob if you tell me where you post.

 

BB, you may have got yourself sorted now but a lot has changed over the last few months in Banking, and it may be a success second time round to reapply.

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