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    • Have we seen your court bundle?   If we haven't then it's probably an idea to post it up here especially the index page and the witness statement so we can see if there is anything which might need adding or changing 
    • "Care to briefly tell someone who isn't tech savvy - i.e. me! - how you did this?" Its pretty simple although not obvious. You open the google maps app > click your profile picture > Click Timeline from the list > click today > choose the date you want to see the timeline from. Then you'll see your timeline for that day. Often, places you have visited will have a question mark beside them where google wants you confirm you have actually visited. You either click 'yes' if you have, or you click 'edit' to enter the actual place you visited. Sometimes, you'll see 'Missing visit' This probably happens if your internet connection has dropped out at that time. You simply click 'Add visit' and enter the place. The internet on my crappy phone often loses connection so I have to do that alot.   OK dx, understood mate. 
    • I have now been given a court date vs Evri, 4th Sept 2024. I have completed my court bundle, when am I expected to send copies to the court and Evri and should it be in hard copy or electronic? The Notice of Allocation states that no later than 7 days before the directions hearing both parties must send to the other party their final offers to settle. Does this mean I will have to tell Evri what I'm willing to settle? Rgds, J
    • Sorry  Noted x   Ok how about this to the CEO? I know it sounds super desperate but lets call a spade a spade here, I am super desperate: Dear Sir, On 29th November 2023 I took out a loan of £5000 with you. Unfortunately very early into 2024 I found myself in financial difficulty (unexpected bills and two episodes of sickness and the tax office getting my tax code wrong resulting in less pay for two months) and I contacted you (MCB) on 13th February 2024 asking if there was any way I could extend the length of my loan to 36 months. I fully explained why I was requesting this and asked for your help. I did not receive a reply to that email so I again contacted you on 7th March 2024 to advise you of a change in my circumstances which resulted in me having to take out a DMP and asking you to confirm that the direct debit had been cancelled. You would have also received confirmation of this DMP from StepChange but you did not acknowledge receipt of my email. I have only managed to make one payment from my loan but did try and contact MCB to discuss extending my loan, help etc.  I have now therefore fallen behind on several of my debts, yours included, and as a result you have lodged a Cifas marker against my name for "evasion of payment", which has resulted in me having to change banks, which has been an extremely difficult process because of the Cifas marker. I do not feel you have been fair or given me the opportunity to fully explain my situation to you before you lodged the marker against my name. I appreciate it is a business and you have acted accordingly, but I did try to make contact to arrange alternative arrangements and at no point, not even to this day, did I ever intend to not repay my loan. I cannot stress to you enough how much this has affected my mental health. I am having trouble sleeping and my existing health condition has been exacerbated by all of this. What I would like you to do is to please, please remove the Cifas marker and let me make arrangements to pay the loan back through a DMP.  Please sir, I am begging for your help here. I am not a dishonest person and I have never been in a situation like this before. I am desperately trying to make things right but this marker is killing me. Please can you help me? I look forward to hearing from you. Yours faithfully,
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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.

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      OT APPROVED, 365MC637, FAROOQ, EVRi, 12.07.23 (BRENT) - J v4.pdf
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Dissecting the Manchester Test Case....


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It's a laptop from work... so I have no choice over what's on there.... unless I can download something else to get round the problem. Can I download the browser? (I'm not very techie, so please let me off if that's a really stupid question... lol)

 

:-)

 

The only daft question is the one not asked....

 

Most browsers need you to install which if your work admin have locked down the right to install software you wont be able to do.

 

You could try a standalone browser, QTWEB springs to mind, you can run it from a usb key and it keeps its "footprint" to a minimum.

 

Comes in two flava's... one with a setup program and the basic lite product that you just run from wherever you copy the file... that one is here

 

S.

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The only daft question is the one not asked....

 

Most browsers need you to install which if your work admin have locked down the right to install software you wont be able to do.

 

You could try a standalone browser, QTWEB springs to mind, you can run it from a usb key and it keeps its "footprint" to a minimum.

 

Comes in two flava's... one with a setup program and the basic lite product that you just run from wherever you copy the file... that one is here

 

S.

 

So if I save that QtWeb one onto a data stick.... what do I need to do with it if I want to post a thread? I need an idiot's guide..... sorry... lol :-)

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So if I save that QtWeb one onto a data stick.... what do I need to do with it if I want to post a thread? I need an idiot's guide..... sorry... lol :-)

 

haha no problem.

 

Just double click on it and then enter in the address/URL for consumeractiongroup, then its just a case of using it as normal, just click on the new thread when your in the right forum.

 

S.

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When you log on tick the 'remember me' box first.

 

Ok... will try that next time... :-)

 

I think I've just managed to post a thread in The Bear Garden.... but it logged me out straight after, so I've come back on in the normal way.... which means I'M BACK!! lol... :-)

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Ok... will try that next time... :-)

 

I think I've just managed to post a thread in The Bear Garden.... but it logged me out straight after, so I've come back on in the normal way.... which means I'M BACK!! lol... :-)

 

Glad to hear it P1, wouldn't like to lose your expertise! So many seem to have gone elsewhere for various reasons :-(

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It`s so off putting the site now I have really lost interest as it`s too much hard work finding things and posting things can`t imagine what neewbies think or creditors looking in they must be rejoicing I used to look in all the time I find it a huge chore now

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It's been mentioned elsewhere but just to reiterate, the site was upgraded because it needed to be, it was past it's sell by date and technical support was coming to an end and like everything else in the wonderful mysterious world of cyberspace things move on. Compare it to upgrading from Windows XP to Vista some people loved it whilst others loathed it. Obviously there will always be Luddites when it comes to change but this had to be done & it couldn't be achieved magically by the click of a switch so glitches have occurred particularly so as the site was running live rather than being shut down during the process.

 

We'll get there in the end if people have a little patience then we'll have a faster, modern more secure site.

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Appreciate what you are saying lets hope by the time you do get it sorted that folk have not gone to a much simpler site this far too technical the older version was bad enough folk don`t take into account that a lot of people are not computer literate so want it nice and simple to keep their interest going

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We'll get there in the end if people have a little patience then we'll have a faster, modern more secure site.

This is true. I think you'd have had more people onside with the changes with some sort of pre-warning that changes were going to happen and that there'd be glitches afterwards etc.

 

One useful feaure that seems to have gone/can't see how to do it is to find all threads started by a username. Has this feature been removed or is it now achieved through a different means?

The matrix is intrinsically flawed. Within it is the program for it's own destruction. If you are reading this, you are in the matrix and it's days are numbered...so watch out! :eek:

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I've made a suggestion to Admin that there be an area within the site where notifications can be posted if there are any site issues such as server downtime, speed or compatibility issues etc. Whether or not it will happen is in the lap of the gods. ;)

 

As for missing features, things are still being added, changed and tweaked at the minute & sometimes when one thing is done it creates problems elsewhere so Webby has got his hands full.

 

AFAIK subscribed threads will be available, but for the time being you can access recent ones by clicking 'settings' at the top right of the page or clicking your user name and checking your posts on the left.

 

Some people are having more issues with the site than others, this seems to be a compatibility problem with IE7 and below but Webby is working hard to resolve this too. The workaround at the minute seems to be to upgrade to IE8 + any M$ security upgrades or use another browser such as Opera or Firefox.

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Hi Dotty,

 

Maybe it's just that some have been fortunate enough to find employment.

 

Hope your keeping well.

 

Must be just me, but I don't seem to have too much trouble with the new format. Most of the useful links such as user CP and subscribed threads are in the Advanced button at the top of the page. ( have to admit to gleaning that infor from johnnymitch. )

 

Vint

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Listen fellas and gals we ARE WINNERS!!!!

 

I had a threatogram from nobby number one Lowells AKA RED ...it WAS from RED

 

LEGAL action ought to have been taken according to THEIR 'intellectuals' A LONG TIME AGO ..

 

I cannot be bothered to call this bunch of IDIOTS back my 'melchick' (clockwork orange) brothers and sisters....

 

I shall tell LOWELLS ,,,CABOT..etc etc etc (Yul Brynner.) etc etc etc. to rehabilitate themselves...

 

Whilst I 'lounge....... with the greatest of respect to Bill Shiddings NOT in their patio drinking....BUT in their FRONT ROOMS my melchick brothers and sisters...a phrase form STANLEY KUBRICK

 

HEEE HEEE ...I am loving it...HONESTLY I AM

 

WE CAGGERS ARE THE BEST

 

AND WE WILL ALWAYS WIN...

 

LONG LIVE OUR INTELLECTUALS

 

THAT IS THE BEAUTY!!!

 

m2ae

 

P.S ..........The judges ARE afraid of US..believe me

Edited by means2anend
spelling' botherd' to bothered
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An interesting question Priority 1 and one that reminds me of a story about the late Iain McLeod (he was going to be Chancellor in Heath's 1970 govt, but died of a heart attack a few days after being appointed). While at Oxford McLeod apparently was the doyen of his College's bridge team. One evening they were supposed to be playing a bridge match against another College, but when McLeod arrived he was clearly "tired and emotional". One of his fellow team members observed with brilliant insight "McLeod, you're drunk". To which McLeod responded "better McLeod drunk than McLeod not at all!".

I would suggest - and I thought much the same as you P1 - that "better m2ae drunk, than m2ae not at all!" - though that he chose to correct his spelling at the time, is perhaps a source of concern?

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An interesting question Priority 1 and one that reminds me of a story about the late Iain McLeod (he was going to be Chancellor in Heath's 1970 govt, but died of a heart attack a few days after being appointed). While at Oxford McLeod apparently was the doyen of his College's bridge team. One evening they were supposed to be playing a bridge match against another College, but when McLeod arrived he was clearly "tired and emotional". One of his fellow team members observed with brilliant insight "McLeod, you're drunk". To which McLeod responded "better McLeod drunk than McLeod not at all!".

I would suggest - and I thought much the same as you P1 - that "better m2ae drunk, than m2ae not at all!" - though that he chose to correct his spelling at the time, is perhaps a source of concern?

 

Lol! :-) Hopefully he'll be back to elaborate.... the ref. to Clockwork Orange was a bit worrying. Horrible film :-/

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Check out

www.ruinedbynatwest.com

to see how our judges have "fudged" evidence to pervert the Statute - specifically where regulated agreements, as these are defined by the Section 8 of the Consumer Credit Act 1974 - when such regulated agreements are refinanced by Multiple Agreements as these are defined by Section 18 of the 1974 CCA as was dratfted by Mr Francis Bennion.

 

Mr Francis Bennion - who drafted the 1974 CCA, has written to say that The Court of Appeal was "wholly Mistaken" and "Incorrect" in its misapplication in Story, (where 3 regulated agreements are refinanced) and that the Court "reveals" "an uncertain judicial grasp" of his drafting - but the Court refuses to hear him, whilst paradoxically, it upholds the dissenting views to Bennion, of Guest and Loyd and Prof Roy Goode, the latter with whom I communicated in the 90's.

 

Prof Goode told me in the 90's (letter to hand) that where the CCA 1974 "bit" the terms of a relevant agreement the Court must uphold the CCA.

 

He (Prof Goode) has not been asked by me to opine on the existing indebtedness that features in Story - "the undoubted existing debt of about £12000" (Auld LJ) that existed in Story - which was refinanced ("replaced" (Auld LJ) by a new agreement which provided £35000 over the similar 3 fracilities - where the existing sum of £12000 which was refinanced neatly falls within the £15000 limit that qualified under Section 8 at the material time. IE the existing debt was regulated - satisfying the Issue on the Appeal which sought regulated agreements - The Court refuses to reconsider, under my many applications to reopen on the basis that regulated agreements were refinanced in Story - where regulated agreements were promised as being determinative of that Appeal.

 

One might legitimately expect that our senior judges might be bound to uphold the Rule of Law as far as such evidential matters are concerned, but in Natwest V Story & Pallister (CA May 7 1999)[termed Story in the authorities - the latest being Southern Pacific V Heath] the judges have concealed material evidence of regulation in Story that was determinative of that apeal, and the concealment of that material evidence in Story serves only to favour Natwest and the Coomon Law when the precedent mis- set in Story is applied to following cases under the assumedly proper rule of precedent - that we contend was, and is, perverse -

 

ie the ruling in Story was set in order to protect Natwest, initially, and to protect other creditors that followed the policy of opacity in consumer credit agreements, from the regulatory interference that was contemplated following the precedent set in Story - ie the judges are seen to have stepped over the line where they conceal the undoubted regulation in Story - where, I repeat, the Bank of England and OFT awaited the ruling before they were empowered to initiate investgations into transparency in Consumer Credit Agreements where the OFT opined (subject to the ruling of the Courts) that he CCA applied in Story.

 

In Story - nothing was written as demanded by the CCA 1974 - it was all done by handshake where the bank also promised us £500,000 of future IF we followed their business plan and advice - which was all secured against our valuable home.........

which we did............................................

 

SO WHAT ???

 

At least £300 Billions (2004 figres) reli9es on the concealment of the regulation in Story

 

John Story

 

Former Principal Lecturer (International Computers Ltd),

First Defendant

Natwest V Story & Pallister

www.ruinedbynatwest.com

Edited by ruinedbynatwest
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Maybe it's just that some have been fortunate enough to find employment.

Vint

..that and the hols too...

 

M2AE...I knew som'n wasn't right about that post!!!:p lol

The matrix is intrinsically flawed. Within it is the program for it's own destruction. If you are reading this, you are in the matrix and it's days are numbered...so watch out! :eek:

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hi

please see my thread here
http://www.consumeractiongroup.co.uk...-V-Cabot/page3

 

i have lost this case today cabot admitted the original was destroyed all they had was an mosly unreadable copy the jadge said due to wakesmans ruling it was all they needed. i argued that wakesman only dealt with a sec 78 req for copy of agreement but he was having none of it. he said if wakesman ruled that a copy was all that was needed for sec 78 req thren that was all that was needed in court. Good luck to all the people on here that are pinning their hopes on the original agreement not being held as i believe many of them will now lose.

kaz

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hi

please see my thread here
http://www.consumeractiongroup.co.uk...-V-Cabot/page3

 

i have lost this case today cabot admitted the original was destroyed all they had was an mosly unreadable copy the jadge said due to wakesmans ruling it was all they needed. i argued that wakesman only dealt with a sec 78 req for copy of agreement but he was having none of it. he said if wakesman ruled that a copy was all that was needed for sec 78 req thren that was all that was needed in court. Good luck to all the people on here that are pinning their hopes on the original agreement not being held as i believe many of them will now lose.

kaz

 

did you quote directly from the judgment waksmans comments on enforceme t actions?

 

 

s.

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yes i did i pointed out it was dealing with sec 78 requests the fact it was a debtor bringing the action against creditor the fact wakesman said copy and terms must be legible (which we all agreed mine wernt apart from the main bits and sig) and the fact that the creditor would need to hunt for the original to prove in court this was offere to me in my thread. however the judge was having none of it he had all ready made his mind up that his interpretation of the ruling was the correct one and gave the judgement

kaz

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