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    • “If Trump’s stock in Truth Social, his company, drops any lower, he might do better under my tax plan than his.” — President Biden, while pitching his plan for higher taxes on the rich in Scranton, Pennsylvania LOL   Does seem that way HB - all the little trumpies throwing their money away while 'larger players' milk them by 'shorting it seems     I'm waiting for it to drop below $20 before investing ... .. some more chortles  
    • It's mostly small investors, isn't it, TJ? I don't think Wall Street and institutions have bought into Truth Social. Much like US banks don't want to lend to him, I'm reading.
    • Looking on their website I would of thought that a Life interest trust would of been set up, and they state:   "A life interest trust  (also known as possession trusts or interest in possession trusts) be used for preserving assets for the next generation whilst providing a benefit for the current generation. For example, if your home is placed into a life interest trust, then the person with this interest can continue to live there until their death. The house would then be distributed in line with your Will." & A trust can be created in your lifetime, which is to take immediate effect (often referred to as a “lifetime settlement”), or it can be created on death through your Will (known as a “Will Trust”).
    • “If Trump’s stock in Truth Social, his company, drops any lower, he might do better under my tax plan than his.” — President Biden, while pitching his plan for higher taxes on the rich in Scranton, Pennsylvania   LOL Hit $26 and likely temporarily bounced back a bit to 27 dollars - from $78 - still a good return on MHA (malodorous hot air)   Wonder whos making the money off this ponzi looking scheme share price colapse?
    • I would have thought so but I'm no lawyer. What did the one that you spoke to say? You could also google about how/when a will trust is set up to get more of an idea before you speak to the original lawyer. HB
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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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Nunnyrose v Egg Card #1


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CCA requested 23/11/09 SAR same date.

Looking through my paperwork again as follows:-

 

31.01.2008 "We are ending your egg card agreement" letter.

07 Aug. 08 Default Notice

08 Aug. 08 Capital Collection Agencies letter

18 Aug 08 Default Notice

16 Sept. 08 "Egg Card account terminated " letter

04 Nov. 08 "unable to contact you" letter

 

I'm sure read somewhere that you can only be defaulted once for a debt and I've got 2 DN's, is this right?

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Only once - unless of course you rectified the first DN and then defaulted again!

Do you have them still - 1st one in particular.;)

 

 

M

Edited by MandM
typo - i have fat finger syndrome

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ALL unsolicited PMs and E-mails should be posted up - Not all on CAG are who they appear to be

 

 

My views are my own. If in doubt, seek professional advice. If I can help though, I will. CAG helped me!!

 

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Hi M,

yes, I have them both, notice the dates 7th and 18th Aug 08

 

Sort of suggests that they weren't happy with DN No 1. I wonder why.

 

Can you post it up?

 

M

________________________________________________________________

ALL unsolicited PMs and E-mails should be posted up - Not all on CAG are who they appear to be

 

 

My views are my own. If in doubt, seek professional advice. If I can help though, I will. CAG helped me!!

 

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DOH! 19 days till bathtime!!

 

M

________________________________________________________________

ALL unsolicited PMs and E-mails should be posted up - Not all on CAG are who they appear to be

 

 

My views are my own. If in doubt, seek professional advice. If I can help though, I will. CAG helped me!!

 

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mmm, thinking it might be to small?

 

Think you might be right there :D.

 

Are you using Photobucket?

 

M

________________________________________________________________

ALL unsolicited PMs and E-mails should be posted up - Not all on CAG are who they appear to be

 

 

My views are my own. If in doubt, seek professional advice. If I can help though, I will. CAG helped me!!

 

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Works fine now.

 

Can't see anything wrong with the DN so no idea why they sent again. The fact that they did doesn't help much as i'm sure the 1st would take priority and it appears to be OK to me with regards to dates.

 

Someone else maybe able to comment on prominence of wording etc but i'd be inclined not to use that as a defence unless it was part of a bigger picture i.e. I think you'd be hard pushed to find a judge that would accept that alone as a valid argument.

 

Anyone have any further comments?

 

M

________________________________________________________________

ALL unsolicited PMs and E-mails should be posted up - Not all on CAG are who they appear to be

 

 

My views are my own. If in doubt, seek professional advice. If I can help though, I will. CAG helped me!!

 

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Thanks M, I'm not even thinking about defence at this stage. Been reading through your thread today re egg - yikes!

I've got 2 egg's on the go at the moment both CCA'd at the same time and 12+2 days is today so time for me to start thinking about sending the dispute letters out.

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Thanks M, I'm not even thinking about defence at this stage. Been reading through your thread today re egg - yikes!

I've got 2 egg's on the go at the moment both CCA'd at the same time and 12+2 days is today so time for me to start thinking about sending the dispute letters out.

 

Hi N,

 

Well if you've seen the Egg Loan one you'd have seen the importance of the DN! Plonkers lol.

 

I'd send the dispute letters. Egg are well known for taking an age to reply - then the reply has no relevance to the points raised.

 

I know from others that generally they are pretty good with DNs and the like, but from experience of mine it's always worth a look.

 

M

________________________________________________________________

ALL unsolicited PMs and E-mails should be posted up - Not all on CAG are who they appear to be

 

 

My views are my own. If in doubt, seek professional advice. If I can help though, I will. CAG helped me!!

 

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Yes, I looked at your DN - amazing!

I've also SAR'd because (although I'm embarrassed to admit it) I have absolutely no idea how long ago I got these credit cards, I very rarely looked at the online statements and I honestly don't even know how much I owe them at the moment.

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Yes, I looked at your DN - amazing!

I've also SAR'd because (although I'm embarrassed to admit it) I have absolutely no idea how long ago I got these credit cards, I very rarely looked at the online statements and I honestly don't even know how much I owe them at the moment.

 

It's not that embarrassing. With the speed and amount of times that balances were transferred, card companies taking each other over etc etc it was easily done. I've been quite surprised myself at how old some of my cards are when the original CCA turns up :)

 

M

Edited by MandM
typo - fat fingers

________________________________________________________________

ALL unsolicited PMs and E-mails should be posted up - Not all on CAG are who they appear to be

 

 

My views are my own. If in doubt, seek professional advice. If I can help though, I will. CAG helped me!!

 

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  • 2 weeks later...

Update

received cca for this card today, looks the same as others posted here.

Dated 2001 so at leaast I know how long I've had it *grin*

Interstingly it has a card number hand written on the top which doesn't mean anything to me, it's not my card number! I'm still waiting on the SAR, egg acknowledged my request for this and said they will send by 3rd Jan. so think I will sit back and wait for it to arrive.

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Update

received cca for this card today, looks the same as others posted here.

Dated 2001 so at leaast I know how long I've had it *grin*

Interstingly it has a card number hand written on the top which doesn't mean anything to me, it's not my card number! I'm still waiting on the SAR, egg acknowledged my request for this and said they will send by 3rd Jan. so think I will sit back and wait for it to arrive.

 

Hi nunny,

 

2001, same as mine (and I was a year out too :D).

 

The SAR is HUGE with EGG, mine came in a box!!! Lots of interesting bits though. Can't remember - was there PPI with this?

 

M

________________________________________________________________

ALL unsolicited PMs and E-mails should be posted up - Not all on CAG are who they appear to be

 

 

My views are my own. If in doubt, seek professional advice. If I can help though, I will. CAG helped me!!

 

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never requested ppi but it was added at some later date - I only realised that ppi was being added when on 1 rare occasion I looked at statement online and saw it. I complained, they stopped it and then they reinstated it again at a later stage. They did this with both my cards, this is why I'm waiting for the SAR before I do anything more.

I logged into my accounts last week, haven't done this for over a year so was quite excited about having the guts to do it :) Statements only went up to september 2008 so I have absolutely no idea how they have been applying the payments since then. AND then the day after I logged on I received an email from egg "Helpful information from moneymadeclear"

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Just setting off with my Egg card. Will be having a catch up over christmas so will send you any info that may help you. (keep an eye on the thread :))

 

M

________________________________________________________________

ALL unsolicited PMs and E-mails should be posted up - Not all on CAG are who they appear to be

 

 

My views are my own. If in doubt, seek professional advice. If I can help though, I will. CAG helped me!!

 

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