Jump to content

 

BankFodder BankFodder


  • Tweets

  • Posts

    • Just to give another view of the NHS and GPs - two GPs probably saved my life last year.   I'd been extremely ill, no appetite, significant weight loss, not taking enough fluids.  Wife took me to A&E.  Terrible experience.  After four hours told my wife to take me home.  She said "told you this was a mistake.  I'll get you an emergency GP appointment tomorrow".  Saw a GP Registrar (essentially a trainee GP) following afternoon.  She was very concerned and asked a colleague for a second opinion.  Second GP was horrified as soon as she saw me, and said "You ought to be in hospital".  She told the trainee to arrange to have me admitted to hospital and just over two hours later (after my wife had driven me there) I was in bed on a medical assessment ward.  Stayed in hospital for a week and was only discharged because they needed the bed.   I was going to complain about my A&E experience (I think the triage nurse must have screwed up my triage assessment) but a week after I was discharged, I had to take my wife to A&E as her optician thought she might have a detached retina.  It was about 5:30pm on a Saturday and the place was full of injured footballers and rugby players.  It was much busier than it had been on the Monday afternoon I'd been there, but my wife saw a doctor in 20 mins and we were out in 40 mins.  I decided that sometimes you're just unlucky...
    • Many households heated by oil are stocking up on cheap fuel during lockdown. View the full article
    • I keep an eye on the NHS board because I'm a former NHS manager.  I saw this thread started years ago and thought I'd have look.   I'm sure it's purely coincidental, but when I got to #61, it reminded me of a different poster on a different thread from last year.  They aren't identical, but the way things are expressed are remarkably similar.  (eg 20 min wait - ask receptionist - Drs are very busy - wait another 20 min - ask again - receptionist checks computer - says Dr has refused to see you because of complaint 2 years ago - transferred to another GP who expresses "shock" at other Dr's behaviour - vague and confusing references to a "justified" complaint.   Maybe it's just me, but they seem remarkably similar, although the other thread is missing a 2014, 2016, 2017 backstory.     layla_83   As others have already said, there seems little point in complaining now about issues that stem from things that happened in 2014 (and 2016?).  If you wanted to complain to "put the system right", you should have done that six years ago.  Even if the original GP is still about, they won't remember any of it, so there will be absolutely no opportunity for them to learn any lessons from it.  And the fact that the original GP did not want to see you (or rather your mother) because you (she) had made a complaint against them two years ago most certainly does not mean that the GP remembers anything from 2014, it just means that you (or your mother) are flagged up on their system as a "complainer".  As I asked a year ago, why would anyone be unhappy because a GP they had previously complained about refused to see them?  You should be relieved!!!  You say the GP should not take the complaint personally, but if I were a GP I would not want to treat anyone who has made a complaint against me.  (And if you are connected to that other thread, you should have complained to your local CCG or the GMC by now).   You were going to send a letter of complaint to the practice in 2017, so why only now complain about their response?  Did it take them nearly three years to reply?
    • Hi JeelyM and welcome to CAG   1. Do you have the details of the person you bought the bike from.   2. Did you go to their address when you bought it.   3. Did you pay cash for it or what other means.   4. Did you pay the full market for buying the bike.   5. What did you pay.   6. Give us make and model of the bike please.
  • Our picks

    • View this quiz Employment status during COVID-19
      What do you do if you’ve been told not to come to work due to the current crisis.  Watch the video here or on the Youth Consumer Service Instagram page.

      Did you learn anything? Do the quiz
       
       
      Submitter BankFodder Type One Right Answer Time 5 minutes Total Questions 8 Category The Youth Consumer Service Submitted 15/05/20  
      • 0 replies
    • One Parking Solutions - Damning judgement. Read more at https://www.consumeractiongroup.co.uk/topic/421148-one-parking-solutions-damning-judgement/
        • Thanks
        • Like
      • 66 replies
    • View this quiz Coping with extreme hardship
      Life can be tough when you're entering the world of work and in the present virus crisis, things are even more difficult.

      Watch the video below or go to the Youth Consumer Service Instagram page . Afterwards, you can see if you've understood the points which are being made by taking the quiz.
       
       
      Submitter BankFodder Type One Right Answer Time 5 minutes Total Questions 8 Category The Youth Consumer Service Submitted 15/05/20  
      • 1 reply
    • View this quiz: Pre-pay meters
      An explanation of how some gas and electric companies offer emergency quarantine support.

       
      Watch the video here – or go to the Youth Consumer Service Instagram page and watch it there. Then come back here and do the quiz
       
       
      Submitter BankFodder Type One Right Answer Time 5 minutes Total Questions 6 Category The Youth Consumer Service Submitted 15/05/20  
      • 1 reply
wannabedebtfreesoon

elcome for illegal repo in contravention of section 92 and unfair relationship ** WON **

style="text-align:center;"> Please note that this topic has not had any new posts for the last 2858 days.

If you are trying to post a different story then you should start your own new thread. Posting on this thread is likely to mean that you won't get the help and advice that you need.

If you are trying to post information which is relevant to the story in this thread then please flag it up to the site team and they will allow you to post.

Thank you

Recommended Posts

As far as I was aware, officially I didn't pay anything to anybody apart from welcome finance for the amounts they set out to include the cash price for the car and the cost of the insurances. But in effect, after much investigation, it appears I would have inadvertently paid half of the insurance premiums as commission to welcome and they then paid half of that amount to the broker, so in a roundabout kind of way I would have paid money to welcome and a broker to cover the amount of commission dealings that went on without my knowledge. This is one of the reasons I have always felt their behaviour was grossly unfair!


“First they ignore you, then they laugh at you, then they fight you, then you win.” - Ghandi

"You must have the resources to deal with the judicial intervention - the confidence not to be overawed, the resilience to respond, the tenacity to challenge, the tact to mollify, the authority to inform and persuade."

 

Strength does not come from winning. Your struggles develop your strengths. When you go through hardships and decide not to surrender, that is strength.

 

<-- If I have helped in any way please click my star!! ;)

Oh and I am a lady!! :)

 

Share this post


Link to post
Share on other sites

Sorry I should correct that last post! I allege that the amounts of commission received by welcome from Norwich Union exceeded half of the actual cost of the policies, welcome allege it was only 45% :madgrin:


“First they ignore you, then they laugh at you, then they fight you, then you win.” - Ghandi

"You must have the resources to deal with the judicial intervention - the confidence not to be overawed, the resilience to respond, the tenacity to challenge, the tact to mollify, the authority to inform and persuade."

 

Strength does not come from winning. Your struggles develop your strengths. When you go through hardships and decide not to surrender, that is strength.

 

<-- If I have helped in any way please click my star!! ;)

Oh and I am a lady!! :)

 

Share this post


Link to post
Share on other sites

Hang on, let me correct that one too! welcome NOW allege it was 45%, first they said it was none at all and then they said it was 2%, but hey who's counting?? :madgrin:


“First they ignore you, then they laugh at you, then they fight you, then you win.” - Ghandi

"You must have the resources to deal with the judicial intervention - the confidence not to be overawed, the resilience to respond, the tenacity to challenge, the tact to mollify, the authority to inform and persuade."

 

Strength does not come from winning. Your struggles develop your strengths. When you go through hardships and decide not to surrender, that is strength.

 

<-- If I have helped in any way please click my star!! ;)

Oh and I am a lady!! :)

 

Share this post


Link to post
Share on other sites

Wait a minute, I'd better correct that one too! First they said they didn't pay any commission to anybody, then they said they only paid 2%, then they said they received 45% and paid 22.5% to the broker. I'll get it right in a minute, well it would be a lot easier to understand if they stuck to the same story from the beginning :madgrin:


“First they ignore you, then they laugh at you, then they fight you, then you win.” - Ghandi

"You must have the resources to deal with the judicial intervention - the confidence not to be overawed, the resilience to respond, the tenacity to challenge, the tact to mollify, the authority to inform and persuade."

 

Strength does not come from winning. Your struggles develop your strengths. When you go through hardships and decide not to surrender, that is strength.

 

<-- If I have helped in any way please click my star!! ;)

Oh and I am a lady!! :)

 

Share this post


Link to post
Share on other sites

Ho - how funny - you do need a degree in law and language then to make any sense of the way these deals work:-) This is so similar to my situation and I have to put up with the sarcastic comments from the finance manager about how I simply dont understand the law of agency so i should just go away and multiply :!: stupid ole me - of course you are the one who pays even if it is hidden and sideways - or - are they saying they pay it all cos they are so kind

Share this post


Link to post
Share on other sites
Ho - how funny - you do need a degree in law and language then to make any sense of the way these deals work:-) This is so similar to my situation and I have to put up with the sarcastic comments from the finance manager about how I simply dont understand the law of agency so i should just go away and multiply :!: stupid ole me - of course you are the one who pays even if it is hidden and sideways - or - are they saying they pay it all cos they are so kind

 

Oh I've had that one too! They love to be patronising, it's what makes them feel so good about themselves.

 

Well if welcome sell an NU policy for £1000, for example, but NU give them £600 when they sell it and then they sell it to the customer for £1000, surely it works out that they have paid £400 for a policy and sold it to the customer for a £600 profit?? Who ends up getting stiffed and who ends up quids in??


“First they ignore you, then they laugh at you, then they fight you, then you win.” - Ghandi

"You must have the resources to deal with the judicial intervention - the confidence not to be overawed, the resilience to respond, the tenacity to challenge, the tact to mollify, the authority to inform and persuade."

 

Strength does not come from winning. Your struggles develop your strengths. When you go through hardships and decide not to surrender, that is strength.

 

<-- If I have helped in any way please click my star!! ;)

Oh and I am a lady!! :)

 

Share this post


Link to post
Share on other sites
Crikey, what a mess! I can see why it has been rumbling on for so long now!!!

I don't think they even care what they say any more, there have been so many different stories it must be impossible for them to remember what they said last let alone what they said first! Unluckily for them I happen to be the kind of person that remembers every tiny detail of everything anybody ever said to me, (ask my husband lol!), so as soon as a new version appears it triggers the "Contradiction Recognition Alert Procedure!!" :madgrin:


“First they ignore you, then they laugh at you, then they fight you, then you win.” - Ghandi

"You must have the resources to deal with the judicial intervention - the confidence not to be overawed, the resilience to respond, the tenacity to challenge, the tact to mollify, the authority to inform and persuade."

 

Strength does not come from winning. Your struggles develop your strengths. When you go through hardships and decide not to surrender, that is strength.

 

<-- If I have helped in any way please click my star!! ;)

Oh and I am a lady!! :)

 

Share this post


Link to post
Share on other sites
Ah the man who joined the site two days after db.

Oh really? I'm off to DMOR then :lol:


“First they ignore you, then they laugh at you, then they fight you, then you win.” - Ghandi

"You must have the resources to deal with the judicial intervention - the confidence not to be overawed, the resilience to respond, the tenacity to challenge, the tact to mollify, the authority to inform and persuade."

 

Strength does not come from winning. Your struggles develop your strengths. When you go through hardships and decide not to surrender, that is strength.

 

<-- If I have helped in any way please click my star!! ;)

Oh and I am a lady!! :)

 

Share this post


Link to post
Share on other sites
Of course the obvious question is, did you pay the broker to sort out the finance for you?

 

Not relevant - hurstanger is clear - no motive needs proving. It is either decalred - or not declared. If it is not declared it is secret.

 

The broker simply needs to decalre that they will recieve a payment from the leneder - like mine did when they arranged my mortgage. Not rocket science.

Share this post


Link to post
Share on other sites
Oh really? I'm off to DMOR then :lol:

 

Usually logs on a within an hour of each other too.

 

And he even pops up on the very same threads.

Edited by dadofholly

Share this post


Link to post
Share on other sites
Not relevant to your post? As I said DYOR or not the choice is yours. But in your post you didn't only refer to WFS.

.

 

Yes i did - infact i only refred to Mr Palmer.

 

And like i said it has nothing to do with the case i refer to - as the case i refer to does not include commission.

Share this post


Link to post
Share on other sites
Not relevant - hurstanger is clear - no motive needs proving. It is either decalred - or not declared. If it is not declared it is secret.

 

The broker simply needs to decalre that they will recieve a payment from the leneder - like mine did when they arranged my mortgage. Not rocket science.

Oh but Mr Palmer said on the stand at trial that 'Undisclosed' and 'Secret' were different things altogether and just because it was undisclosed it doesn't mean it was secret, in fact 'Secret' is a legal term apparently and didn't apply in this case, but then he also said that they only paid 2% commission so it's anybody's guess really! :madgrin:


“First they ignore you, then they laugh at you, then they fight you, then you win.” - Ghandi

"You must have the resources to deal with the judicial intervention - the confidence not to be overawed, the resilience to respond, the tenacity to challenge, the tact to mollify, the authority to inform and persuade."

 

Strength does not come from winning. Your struggles develop your strengths. When you go through hardships and decide not to surrender, that is strength.

 

<-- If I have helped in any way please click my star!! ;)

Oh and I am a lady!! :)

 

Share this post


Link to post
Share on other sites
On that topic, you should check out Flanagan v Nemo... http://www.shoosmiths.co.uk/news/3769.asp

 

Relevant paragraph

 

Nemo only came into the transaction at its latter stages. They had no knowledge of the communications between Mr Flanagan and Central, which Mr Flanagan relied on to establish a fiduciary relationship. On that basis, any claim for procuring breach of fiduciary duty as against Nemo was found to fail as the lender could not have been aware of any special relationship between broker and borrower.

 

This is what makes it distinct from Hurstanger - Nemo had no knowledge. But i bet the paper trail in the OP's case shows a different set of circumstances.

Share this post


Link to post
Share on other sites

Share this post


Link to post
Share on other sites

I know that tickled me too when I read it :oops:

Oh yes I noticed that PPI claims had come to an end too following that decision :roll:

 

ICOB only covers insurance, shame about the rest of it then eh? :madgrin:


“First they ignore you, then they laugh at you, then they fight you, then you win.” - Ghandi

"You must have the resources to deal with the judicial intervention - the confidence not to be overawed, the resilience to respond, the tenacity to challenge, the tact to mollify, the authority to inform and persuade."

 

Strength does not come from winning. Your struggles develop your strengths. When you go through hardships and decide not to surrender, that is strength.

 

<-- If I have helped in any way please click my star!! ;)

Oh and I am a lady!! :)

 

Share this post


Link to post
Share on other sites
Oh but Mr Palmer said on the stand at trial that 'Undisclosed' and 'Secret' were different things altogether and just because it was undisclosed it doesn't mean it was secret, in fact 'Secret' is a legal term apparently and didn't apply in this case, but then he also said that they only paid 2% commission so it's anybody's guess really! :madgrin:

 

 

oooh - he didnt say that on oath did he by any chance?

 

deliberatley misrepresenting the facts? Or just plain wrong - not a very reliable witness.

Share this post


Link to post
Share on other sites

[Well if welcome sell an NU policy for £1000, for example, but NU give them £600 when they sell it and then they sell it to the customer for £1000, surely it works out that they have paid £400 for a policy and sold it to the customer for a £600 profit?? Who ends up getting stiffed and who ends up quids in??

 

 

The sweet shop deal

Jenny has no money for sweets

Timmy has none either but knows a way to get sweets for Jenny

Jack has lots of money for sweets

Timmy tells Jack that if he gives money to Jenny for sweets he will get a kiss

Jack gives Jenny money for sweets but Timmy wants a kiss too, so Jack tells Jenny that the price of sweets has gone up and that she must give him two kisses

Jenny gives Jack two kisses

Jack tells Timmy that he has had two kisses and one of them is for him.....

:lol:

Share this post


Link to post
Share on other sites
oooh - he didnt say that on oath did he by any chance?

 

deliberatley misrepresenting the facts? Or just plain wrong - not a very reliable witness.

Yes he did, he said he had an honest belief in its truth and then squirmed the whole way through it with many desperate looks to his pals for support :razz:


“First they ignore you, then they laugh at you, then they fight you, then you win.” - Ghandi

"You must have the resources to deal with the judicial intervention - the confidence not to be overawed, the resilience to respond, the tenacity to challenge, the tact to mollify, the authority to inform and persuade."

 

Strength does not come from winning. Your struggles develop your strengths. When you go through hardships and decide not to surrender, that is strength.

 

<-- If I have helped in any way please click my star!! ;)

Oh and I am a lady!! :)

 

Share this post


Link to post
Share on other sites

A sweet deal indeed :lol:


“First they ignore you, then they laugh at you, then they fight you, then you win.” - Ghandi

"You must have the resources to deal with the judicial intervention - the confidence not to be overawed, the resilience to respond, the tenacity to challenge, the tact to mollify, the authority to inform and persuade."

 

Strength does not come from winning. Your struggles develop your strengths. When you go through hardships and decide not to surrender, that is strength.

 

<-- If I have helped in any way please click my star!! ;)

Oh and I am a lady!! :)

 

Share this post


Link to post
Share on other sites
Yes he did, he said he had an honest belief in its truth and then squirmed the whole way through it with many desperate looks to his pals for support :razz:

 

Report him for perjury - he must have known he was lying, he is head of the legal dept and would collate the evidence.

 

Deliberate misrepresentation - be interesting to know if the Sols knew this - would be one for the SRA.

 

At least report this whole case to the OFT.

Share this post


Link to post
Share on other sites
Report him for perjury - he must have known he was lying, he is head of the legal dept and would collate the evidence.

 

Deliberate misrepresentation - be interesting to know if the Sols knew this - would be one for the SRA.

 

At least report this whole case to the OFT.

 

Well that was one of the reasons I went to appeal, the whole trial was farcical! The underwriting sheet showed the amount of commission on PPI paid to be £398 but Mr Palmer said under oath that it was only £26, the judge looked at the sheet, ignored it and went with what Palmer said :-x

There was no getting away with at appeal though, the Lord Justice saw straight through their lies :-D Don't worry, I've done as much as humanly possible to highlight every single one of their lies in preparation for the final hearing. It is my sole mission in life to show them up for exactly what they are and I'm not done yet.

 

I suppose there's always some element of deceit in every case, a criminal will always protest his innocence in the hope of getting away with it I presume.


“First they ignore you, then they laugh at you, then they fight you, then you win.” - Ghandi

"You must have the resources to deal with the judicial intervention - the confidence not to be overawed, the resilience to respond, the tenacity to challenge, the tact to mollify, the authority to inform and persuade."

 

Strength does not come from winning. Your struggles develop your strengths. When you go through hardships and decide not to surrender, that is strength.

 

<-- If I have helped in any way please click my star!! ;)

Oh and I am a lady!! :)

 

Share this post


Link to post
Share on other sites

Hi DofH, does that also apply to the witness statements submitted by legal managers of car finance companies?

:?:

Share this post


Link to post
Share on other sites
Well that was one of the reasons I went to appeal, the whole trial was farcical! The underwriting sheet showed the amount of commission on PPI paid to be £398 but Mr Palmer said under oath that it was only £26, the judge looked at the sheet, ignored it and went with what Palmer said :-x

There was no getting away with at appeal though, the Lord Justice saw straight through their lies :-D Don't worry, I've done as much as humanly possible to highlight every single one of their lies in preparation for the final hearing. It is my sole mission in life to show them up for exactly what they are and I'm not done yet.

 

Good

Share this post


Link to post
Share on other sites

  • Recently Browsing   0 Caggers

    No registered users viewing this page.


  • Have we helped you ...?


×
×
  • Create New...