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    • I left Dubai 8 years ago and intended to return. However a job prospect fell through. I’d been there for 15 years. I decided to pay my credit card and the bank had frozen my account. There is no means to pay the CC so completely unable to pay when I wanted to other than the bank advising me to ask a friend in the UAE to pay it on my behalf!  fast forward bank informs there is a police case against me for non payment. Years later IDR chased me and after months/ years they stopped. Now Judge & Priestley are trying their luck. Now I have received an email in English and Arabic from JP saying the bank has authorised them to collect debts. Is this the same as IDR although I didn’t receive anything like this from them. Just says they are authorised?
    • The neighbour's house is built right on the boundary so the side of their house is effectively the 'wall' in our garden separating the two properties. It's a three storey house and so the mortar poses a potential danger to us. Because of the danger, we have put up an interior fence in our garden to ensure we don't risk mortar dropping on us. That reduces the garden by 25% which is not only an inconvenience, but it's the part of the garden where we had lined up contractors to install a patio and gazebo which we will use for our wedding reception in less than 2 months. We have spoken to the neighbour's caretaker who is on the case, has spoken with a roofer and possibly a scaffolding company, but there are several issues. They don't seem to understand the urgency. As long as there is a risk of falling mortar, we can't carry out any work in the garden, and unless they hurry up, we're looking at cancelling our wedding as it's not viable to book a venue because we can't use our own garden! Also, they want to put the scaffolding up in our garden which would be ok with us if it was a matter of a few days and they hurried up, but there is a tree (most likely protected by the conservation area), so most likely they can only reach part of the roof with the scaffolding if they put it up in our garden. We suggested a roofer with a cherry picker but they seem to want to use a company they've used before. Any and all comments, suggestions, advice is more than welcome.  PS. does it make any difference that the neighbour is a business (ltd) and not a private dwelling?
    • No apology needed, thank you for what you do I am glad to hear they paid. well done on getting back what is yours
    • Apologies all for the late reply and info, i have been away with the Army. They have paid I accepted the offer on the 5th of May, and they paid on the 17th of May.
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    • If you are buying a used car – you need to read this survival guide.
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      • 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
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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.

      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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Sheriff puts Bank of Scotland to proof on bank charges


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... ask solicitor/barrister to set up private account to fight banks .... start donations into it... when it hits certain targets they do the work...

 

What kind of work are you thinking ?

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Loco my love, does the search bar thingy work if I do it from Chrome? (Yes, I have finally switched!)

100% certain yes. Your visit to the site (not what browser you use) is what counts towards the funds that they pay CAG.

 

 

Sorry all for distracting from this important issue.

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

 

Or send a cheque or postal order payable to Reclaim the Right Ltd.

to

923 Finchley Road London NW11 7PE

 

 

Click here if you fancy an email address that shows you mean business! (only £6 and that will really help CAG)

 

If you can't donate, please use the Internet Search boxes on the CAG pages - these will generate a small but regular income for the site

 

Please also consider using the

C.A.G. Toolbar

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Now here's an idea for a 'double whammy': https://addons.mozilla.org/en-US/firefox/addon/3863/

 

This will, obviously, only work with Firefox and somebody is bound to have an objection, but it's worth thinking about.

 

What you do is record a macro in Firefox, using this addin, that utilises the CAG toolbar to do a search for, say, MBNA. You then click the paid link and afterwards return to the CAG page - stop the macro and then run it to loop 500 times. The CAG gets paid and MBNA take a hit on their advertising budget. If we could get all 250,000 members to do this for a couple of hours a night for a few weeks, we'd be rich and MBNA would be sunk without a trace.

 

It's got to be worth a shot. I think I'll give it a go and see how I get on.

 

Fred

Before you criticise another man you should first walk a mile in his shoes. Then, when you criticise him, you'll be a mile away and he won't have any shoes on.

 

Don't get me confused with somebody knowledgeable by all those green blobs. I got most of them by making people laugh.

 

I am not European, I am English.

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Why does the toolbar not show up on my Firefox browser?:confused:

 

Check your addons in Firefox.

Before you criticise another man you should first walk a mile in his shoes. Then, when you criticise him, you'll be a mile away and he won't have any shoes on.

 

Don't get me confused with somebody knowledgeable by all those green blobs. I got most of them by making people laugh.

 

I am not European, I am English.

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Now here's an idea for a 'double whammy': https://addons.mozilla.org/en-US/firefox/addon/3863/

 

This will, obviously, only work with Firefox and somebody is bound to have an objection, but it's worth thinking about.

 

What you do is record a macro in Firefox, using this addin, that utilises the CAG toolbar to do a search for, say, MBNA. You then click the paid link and afterwards return to the CAG page - stop the macro and then run it to loop 500 times. The CAG gets paid and MBNA take a hit on their advertising budget. If we could get all 250,000 members to do this for a couple of hours a night for a few weeks, we'd be rich and MBNA would be sunk without a trace.

 

It's got to be worth a shot. I think I'll give it a go and see how I get on.

 

Fred

 

Let me know and can you elaborate further on this i love these sort of things ...not illegal is it???,,,,ERRRRR on 2nd thought I better stick to the Fread...Fred!!!

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Now here's an idea for a 'double whammy': https://addons.mozilla.org/en-US/firefox/addon/3863/

 

This will, obviously, only work with Firefox and somebody is bound to have an objection, but it's worth thinking about.

 

What you do is record a macro in Firefox, using this addin, that utilises the CAG toolbar to do a search for, say, MBNA. You then click the paid link and afterwards return to the CAG page - stop the macro and then run it to loop 500 times. The CAG gets paid and MBNA take a hit on their advertising budget. If we could get all 250,000 members to do this for a couple of hours a night for a few weeks, we'd be rich and MBNA would be sunk without a trace.

 

It's got to be worth a shot. I think I'll give it a go and see how I get on.

 

Fred

 

 

I think it would happen a little differently tbh. Adsense (or the advertising company) will catch on to the amount of clicks going through (compared to normal) and eventually ban CAG's account - as well as refunding the advertiser all of the clicks charged. It's been tried many times before by online blackhatters.

Edited by zingy

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Well, it is at the bottom of every page as it is... :shock:

 

 

Personally, I don't think that it's prominent enough - and the PayPal donation button isn't too 'eye catching' either.

 

The people at CAG would be far better getting their web designer to pop a 150x150 image at the top of the green set of ads on the left handside of the site. From the masses of research conducted online, it's either the far right or far left handside where people look on a website and concentrate their view; not at the bottom of the page to see if there is an address to send a cheque.

 

Oh and if people choose to use PayPal to make a donation, small donations will be wiped out by the fees; e.g. if someone donates £1 to CAG, then I guess they'll get about 75p after all of the charges etc. At the level CAG is receiving, I'd guess they're on the worst rate: 20p charge per transaction and 3.4% of the total amount taken in fees.

Edited by zingy

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Well I'm having a clear out and sending all my ex holiday currency that won't be used as I can no longer afford such exotic locations!

 

Fred's idea gets my vote. As I no longer have a job I can manage about 12 hours a day of hitting MBNA...

 

DPM

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I just realised you can get iMacros for Google Chrome and IE as well.

Before you criticise another man you should first walk a mile in his shoes. Then, when you criticise him, you'll be a mile away and he won't have any shoes on.

 

Don't get me confused with somebody knowledgeable by all those green blobs. I got most of them by making people laugh.

 

I am not European, I am English.

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It wouldn't work because the DCAs know who pays their wages. The DCA would just ring the bank in question and say "Somebody's having a laugh and they want me to come round and give you a hard time, which obviously I'm not goting to do as you pay my wages. Do me a favour and settle this bill will you?"

 

There have been a couple of CAGers who did send in the bailiffs. It would have been great to have been a fly on the wall or even accompanied the bailiffs with a camera crew from Despatches!

 

What would be better is if somebody got together a crowd of CAGers, alerted the media and then went round to collect the outstanding refund. Hopefully the resultant press coverage should make the news and set a lot of people thinking.

 

DPM

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Credit Today online

 

Credit Today mention it at last !!

 

Walls is believed to have been charged large penalties on her current account for years after going into her overdraft.

 

It's a pity they described these as 'Penalties' though ...... when a High Court has decreed they're not ......:(.

 

But never mind , it's publicity anyway ........ :D

Nemo me impune lacessit

 

 

Advice & opinions given by johnnymitch 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.

 

 

If you think I've helped you please feel free to tickle my star :-D

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Although it's happened in the nicest possible way - for the best of reasons, wouldn't it be better to open a thread on fundraising (with a capital F of course) and leave this thread to its original task of monitoring the scottish (and, if there are, other cases) action.

I, too, am not over enamoured with PayPal's commission.

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Sounds like a good idea kennyh ...... but I'm still waiting for a lead from the Mods .... it would be better if they were involved ...... after all it IS their site ..... lol :D

Nemo me impune lacessit

 

 

Advice & opinions given by johnnymitch 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.

 

 

If you think I've helped you please feel free to tickle my star :-D

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fighting fund ring fenced by CAG is not the answer.... ask solicitor/barrister to set up private account to fight banks .... start donations into it... when it hits certain targets they do the work... use some money to gain support, facebook for more donations, media to promote, dam even vince cable might donate and advertise.... if we believe we can win the fight then this is way to go.... if we feel there is another way such as creating a run on a particular bank to force their hand then that would be better and get more media interest.... it has to be sustained and every Cagger has to support and talk 5 or more into supporting.... the front page of CAG and all moderators needs to show support...

 

We musn't forget this is a site , basically administered by BF and the Site Team members .... we need input from them on these proposals ...... so c'mon ST members .... we need a lead ........ please ?:)

 

Sounds like a good idea kennyh ...... but I'm still waiting for a lead from the Mods .... it would be better if they were involved ...... after all it IS their site ..... lol :D

 

 

Well it would be nice to see a response from either Admin or The Site Team be it a negative or positive . Come on guys these peeps are waiting!!!!!

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Thanks for your support Tills :)

Nemo me impune lacessit

 

 

Advice & opinions given by johnnymitch 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.

 

 

If you think I've helped you please feel free to tickle my star :-D

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