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    • I understand what you mean. But consider that part of the problem, and the frustration of those trying to help, is the way that questions are asked without context and without straight facts. A lot of effort was wasted discussing as a consumer issue before it was mentioned that the property was BTL. I don't think we have your history with this property. Were you the freehold owner prior to this split? Did you buy the leasehold of one half? From a family member? How was that funded (earlier loan?). How long ago was it split? Have either of the leasehold halves changed hands since? I'm wondering if the split and the leashold/freehold arrangements were set up in a way that was OK when everyone was everyone was connected. But a way that makes the leasehold virtually unsaleable to an unrelated party.
    • quite honestly id email shiply CEO with that crime ref number and state you will be taking this to court, for the full sum of your losses, if it is not resolved ASAP. should that be necessary then i WILL be naming Shiply as the defendant. this can be avoided should the information upon whom the courier was and their current new company contact details, as the present is simply LONDON VIRTUAL OFFICES  is a company registered there and there's a bunch of other invisible companies so clearly just a mail address   
    • If it doesn’t sell easily : what they can get at an auction becomes fair market price, which may not realise what you are hoping.
    • Thank you. The receiver issue is a rabbit hole I don't think I'm going to enjoy going down. These people seem so protected. And I don't understand how or why?  Fair market value seems to be ever shifting and contentious.
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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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Citi card come to Salford CC for your money


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Cant you email one of the "Mods" for help Al? This sounds terrible and typical of CITI.

HSBC 1st preliminary letter £3692 10.10.06 LBA sent 24.10.06

HSBC 1st Preliminary Letter £3280 10.10.06 LBA sent 24.10.06

Capital 1 SADR 11.10.006

Halifax Visa SADR 11.10.06

CITI SADR 12.10.06

HSBC Gold card SADR 23.10.06

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Hi All

Had a bit of a bad day (Damn routers) that turned into a resonable day spent 1 hour 34 mins on the phone to a nice woman name of Lisa explaining my problems with citi, It got quite heated at times (I cant believe the ppl at these organisation dont read the papers, watch tv or listen to the radio totally oblivious to the fact that tens of thousands of ppl are claiming back there charges) anyway apparently they did not know that the account was in dispute, because any correspondance Brian (or his henchmen) get is not cc'd to the accounts dept of Citi. Once i started reeling off dates of Prelim letters, Rejection letters, LBA's all sent registered post, County Court Claim No.(she checked a diferent computer system?) and said she was begining to understand what was going on as the the legal dept have no direct contact with the rest of Citi? So she has emailed Bri, cos he dont work weekends, and asked him to verify my situation and she will contact me early next week ,(i think she said weds by the latest as to his comfirmation of the issue). Lisa gave me her extention number:p .

so if i dont hear by lunch on Weds i'll ring her.

sorry if this is a bit disjointed but it might through some light on why Citi are so vauge and their constant phone calls about we know nothing of this dispute.

The phone call contained lots of info but oh, brain is in crash mode at the moment i'll be back tomorrow.

 

AL

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CAPITAL ONE * SETTLED*31st Oct 06

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Hope you can get this sorted its a complete nightmare I know been there done that etc

HSBC 1st preliminary letter £3692 10.10.06 LBA sent 24.10.06

HSBC 1st Preliminary Letter £3280 10.10.06 LBA sent 24.10.06

Capital 1 SADR 11.10.006

Halifax Visa SADR 11.10.06

CITI SADR 12.10.06

HSBC Gold card SADR 23.10.06

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Hi Ya

Lady at citi phoned said she spoke to Brian to confirm account in dispute, yes it is going to court, but the default still stands pay £296 by the 12th or the whole account will be sent to a DCA:o . (So much for Citi and the Banking Code then mind you they are probably similar to Trading Standards sheep in wolves clothing).

Looks like i will have to pay £35 to add removal of a default to my claim.

 

Al:)

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CAPITAL ONE * SETTLED*31st Oct 06

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  • 2 months later...

Hi all

Well off to court on 22nd for a hearing should be fun so i have a few things printed out and ready for his honour.

Any tips would be gratefully appreciated.

 

AL:D

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CAPITAL ONE * SETTLED*31st Oct 06

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Hi all

Well off to court on 22nd for a hearing should be fun so i have a few things printed out and ready for his honour.

Any tips would be gratefully appreciated.

 

AL:D

 

Is this a full hearing - I have one same day.

What have you put in your bundle.

Consumer Health Forums - where you can discuss any health or relationship matters.

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Hi Gizmo

No in the directions the judge said he wanted to speak to me re the letter i sent along with my AQ regatding Citis tactics. But i have prepared the Small court bundle and will take it with me, really just to cover my back.

So roll on Thursday at Dartford:D

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CAPITAL ONE * SETTLED*31st Oct 06

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Remember that the District Judge who hears the matter will be more than sympathetic to a litigant in person as apposed to CITI sending representation

HSBC 1st preliminary letter £3692 10.10.06 LBA sent 24.10.06

HSBC 1st Preliminary Letter £3280 10.10.06 LBA sent 24.10.06

Capital 1 SADR 11.10.006

Halifax Visa SADR 11.10.06

CITI SADR 12.10.06

HSBC Gold card SADR 23.10.06

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  • 3 weeks later...

Hi all

Have'nt posted till now, well i will explain....

Feb 22nd went to court because judge wanted to disscuss case.

Citi in their infinite wisdom decided to basically ignore the AQ and offered no directions, District Judge Grand 'not impressed with Citis lack following of the CPR's (1.3) and order that by today 5th March 1600 hrs they file their Draft directions for filing and service of documents, statements, authorities and skeleton arguments with a time estimate for hearing the defence will automatically be struck out.'

He fully expects them to apply for set aside and is fully aware of the way they operate.

Well i shall phone court tomorrow:D

 

AL:)

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CAPITAL ONE * SETTLED*31st Oct 06

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Good....keep us posted.

Have a happy and prosperous 2013 by avoiiding Payday loans. If you are sent a private message directing you for advice or support with your issues to another website,this is your choice.Before you decide,consider the users here who have already offered help and support.

Advice offered by Martin3030 is not supported by any legal training or qualification.Members are advised to use the services of fully insured legal professionals when needed.

 

 

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  • 5 weeks later...

Hi all

Further update.....Ive been transferred to the Admiralty Commercial and Mercantile Court for the attention of HHJ Machie QC.

Oh well i shall await your comments please...........:D

 

AL;)

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CAPITAL ONE * SETTLED*31st Oct 06

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You need to get in touch with 'marcopolo' who went to the Mercantile Court against Citi.

 

He will have alot of helpful advice on what, and what not to do.

 

Again, Citi's figure of £12.88 is there main weakness - on each and every occasion it has been orderred so far Citi have defaulted on the background figures to support their calculation.

 

In the event they were to provide them which is unlikely I can point you in the direction of a good forensic accountant.

  • Haha 1

Advice offered by ENRON is without prejudice and is for your judgement as to whether to take it. You should seek the assistance or hire of a solicitor or other paid professional if in doubt.

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Thanks Enron

I did read of Marcopolo's adventures in Mercantileland and im sure your right about contacting him/her, which i will do in the very near future.

Thanks for your help.

 

AL;)

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I've PM'd him on your behalf.

 

Might be able to additionally help you out.... will see what I can do.

Advice offered by ENRON is without prejudice and is for your judgement as to whether to take it. You should seek the assistance or hire of a solicitor or other paid professional if in doubt.

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