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    • In parallel, there needs to be a proper accounting for all the 'government business' carried out on these private phones, and all parties (sic) involved banned from public office, all agreements vetted by cross party commissions, and all funds involved clawed back immediately and held until the results of the commissions clear them .. or not, with all legitimate interactions properly logged into government systems.   In parallel with that there needs to be further investigation into any criminality occurring via those mechanisms, with proper justification for actions checked - not simple lack of evidence for criminality as an unlawful/unofficial mechanism was used and destroyed   Then perverting the course of justice and some sort of abuse of position charges for all as a minimum.   Johnsons 'guvernment running via 'dark web' and related mechanisms used by perverts and criminals to evade justice has to be stopped and punished
    • Thank you again, Bazza. That was the problem I was having yesterday,  no figures beyond July last year. I thought there might be some more recent ones that I'd missed.   Here's more on the ONS statement, from Full Fact.   Dan Wootton and David Davis make incorrect claims about Covid-19 deaths - Full Fact FULLFACT.ORG Data from the ONS shows that to the end of September 2021, 17,371 people died in England and Wales of Covid and had no pre-existing conditions.  
    • That still leaves the parties the Met isn't investigating though and the drinking culture in no10 though, doesn't it?   If they're not careful though, there will be accusations of no10 kicking the can down the road and possibly trying to influence the investigations.
    • Hi there. an update for you   1) independent surveyor report was sent to builder on 13 Dec.   2) builder only responded yesterday. They dispute the majority of the issues identified. Claiming for example: that we have influenced the expert witness surveyor, that we have caused some of the issues by undoing work, that that the surveyor is wrong,    3) through trading standards we gave them the month of nov to finish plus put things (known) right, at no point did they say a month was unreasonable, they were onsite for less than 10 days of nov,  early nov building control initially visited and highlighted issues, they claim building control have now signed off their work at the end of nov   4) building control visited last week at my request, there are still issues with their work, it has not been signed off and never was at the end of nov    4) builder now says there they didn’t have time to put known things right in nov (they are always contradicting themselves) and that they should be allowed to return to site  to fix these ‘minor snags’, the majority are not minor snags, they are building regulation contraventions    5) we have quotes from 3rd parties to do the work. We do not want the original builders back because:    a)quality of their workmanship has been called into question by ourselves, building control and a 3rd party surveyor    b) lack of trust in what they tell us - for example they’ve deviated from the plan, used different materials, refused to fix items saying nothing wrong and it’s how they always do it, refused to give deadlines, knowingly cut corners, have said work is signed off when it isn’t etc    c) their behaviour:  smoking weed on site, urinating next to my garden office, swearing, smoking, leaving the house with doors wide open and unlocked, leaving site unsafe with scaffold boards & materials lying across/over paths at end of day/week, all these things were raised with them verbally & in emails    d) they repeatedly said they hate working for us, they can’t wait to leave, none of them enjoy coming here etc   so, my question is.. do we have to allow them to return or can we say that we want a refund or for them to cover 3rd party costs?    im feeling that they have had enough opportunities to do the right thing and put things right, I’m also feeling that we aren’t being unreasonable by not wanting them back..   they say they can’t understand why we are rushing to get 3rd parties to finish the job and that the job is ‘live ‘ with them.   my feeling is that this job should have been finished in July (at no point have they provided a revised completion date despite us asking numerous times), they were given nov to finish & go, we’ve not heard from them over past 2 months so how could it still be live, and that we’ve spent 2 cold months living in a half finished house which doesn’t have heating completed, is damp & draughty, Ofcourse we want to get it finished asap! Any input would be appreciated, thank you.
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Sheriff puts Bank of Scotland to proof on bank charges


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I was thinking more of this part.

 

The aim of Article 6 of the Directive, which requires Member States to lay down that unfair terms are not binding on the consumer, would not be achieved if the consumer were himself obliged to raise the unfair nature of such terms. In disputes where the amounts involved are often limited, the lawyers' fees may be higher than the amount at stake, which may deter the consumer from contesting the application of an unfair term. While it is the case that, in a number of Member States, procedural rules enable individuals to defend themselves in such proceedings, there is a real risk that the consumer, particularly because of ignorance of the law, will not challenge the term pleaded against him on the grounds that it is unfair. It follows that effective protection of the consumer may be attained only if the national court acknowledges that it has power to evaluate terms of this kind of its own motion.

 

i.e the court should raise this of its own motion at no risk of cost to the consumer.

 

Where's this part from in the EC directive?

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How about Article 3(2) of the EC directive: Perfect for banking contracts. Using this, there would be no need for a court to assess unfairness since it is always unfair by law. 3(1) has been implemented as Ref 5(1) UTCCR but where is (2). If the bank states any term has been negotiated, its for them to prove. Anyone?

 

1. A contractual term which has not been individually negotiated shall be regarded as unfair if, contrary to the requirement of good faith, it causes a significant imbalance in the parties' rights and obligations arising under the contract, to the detriment of the consumer.

 

2. A term shall always be regarded as not individually negotiated where it has been drafted in advance and the consumer has therefore not been able to influence the substance of the term, particularly in the context of a pre-formulated standard contract.

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Wait a wee minute Jimmy! Whit's this aboot an English Parliament?

 

There are currently 2 (twa) Parliaments in the UK the noo - wan in Edinburgh run by Scotsmen and the UK Parliament in London - also run by Scotsmen!

 

Wales and Northern Ireland only have Assemblies - because they were conquered - but Scotland was NEVER conquered - and never ruled by an ENGLISH Parliament.

 

BD

So why have we got a Scottish git running English parliament instead of the Scottish parliament? Wasn't he good enough for a Scottish parliament? Are you passing on your bottom of thje barrel politicians to us :D

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I have been away from cag for a day or two... and come back to this.:D

 

this is quite excellent stuff Govan Law Centre, my hat is off to you!

 

 

HSBC WON three times!!!!! Read about my continuing battle (claim FOUR!) Link HERE

Capital One WON Link

HERE

GE capital (5 accounts) WON link HERE

Lloyds bank account WON second claim starting! link HERE

Budget insurance cough up WON link HERE

Principles WON link HERE

A&L (Mrs Crusher's account) claim link HERE

Barclays claim link HERE

 

Any advice given is on an informal basis only and without prejudice or liability. In in any doubt, consult a qualified lawyer.

IF YOU HAVE GOT YOUR MONEY BACK, PUT SOME BACK INTO THE SITE TO HELP KEEP IT OPEN!

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So why have we got a Scottish git running English parliament instead of the Scottish parliament? Wasn't he good enough for a Scottish parliament? Are you passing on your bottom of thje barrel politicians to us :D

 

Listen guys I certainly aint Helen of Troy

 

sheeeez ...not another civil war...;-):)

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So why have we got a Scottish git running English parliament instead of the Scottish parliament? Wasn't he good enough for a Scottish parliament? Are you passing on your bottom of thje barrel politicians to us :D

 

If you go back to 1603 you will see we gave you a Scottish King to run you lot way back then - and since 1707 we Scots have usually been in the front row of the UK (NB - Not ENGLISH) Parliament - even if you want the big one eyed Scot put out of power - just think - where does the name Cameron come from?

 

BTW - even the bottom of our barrels has some bl**dy good stuff still left in it sonny boy!

 

BD

£50k saved and £7k charges refunded:

MBNA & A&L 35% F&F direct - saved £23k. Birmingham Midshires £1700 charges refunded

Abbey Loan/BCW 50% - saved £2k. Barclaycard/CSL 40% - saved £6k

Monument/DCA 35% - saved £1k. LTSB/Wescot 50% - saved £4k

HBOS Visa £5k charges refund via Blair Oliver Scott

RBS Direct Line/(genuine) solicitors June 2010 40% - saved £3k

Morgan Stanley/Aktiv Kapital £11k SB Nov 2010

Over £40k balance write off and charges refunds to fight for:

HBOS O/d Charges £5k. Egg Loan/Aktiv Kapital CCA Dispute £8k

Egg Card/Fredrickson taking £5 monthly but CCA & Charges Dispute £4k

Goldfish/1st Credit DN/TN Dispute £9k. Capital One/CSL charges claim £4k

Barclaycard/CSL taking £5 monthly on £10k debt

 

I hope I have helped - if I have please hit my star - and recognise the others who have helped too.

Bigdebtor

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If you go back to 1603 you will see we gave you a Scottish King to run you lot way back then - and since 1707 we Scots have usually been in the front row of the UK (NB - Not ENGLISH) Parliament - even if you want the big one eyed Scot put out of power - just think - where does the name Cameron come from?

 

BTW - even the bottom of our barrels has some bl**dy good stuff still left in it sonny boy!

 

BD

 

This is not really the place for this drivel.

History is whats happened- It goes with Remember.

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If you go back to 1603 you will see we gave you a Scottish King to run you lot way back then - and since 1707 we Scots have usually been in the front row of the UK (NB - Not ENGLISH) Parliament - even if you want the big one eyed Scot put out of power - just think - where does the name Cameron come from?

 

BTW - even the bottom of our barrels has some bl**dy good stuff still left in it sonny boy!

 

BD

 

 

Hee! Hee! Hee!

:grin:

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This is not really the place for this drivel.

History is whats happened- It goes with Remember.

 

Sorry if you're offended or bored by it - just trying to add a bit of light hearted banter to a very serious topic! ;)

£50k saved and £7k charges refunded:

MBNA & A&L 35% F&F direct - saved £23k. Birmingham Midshires £1700 charges refunded

Abbey Loan/BCW 50% - saved £2k. Barclaycard/CSL 40% - saved £6k

Monument/DCA 35% - saved £1k. LTSB/Wescot 50% - saved £4k

HBOS Visa £5k charges refund via Blair Oliver Scott

RBS Direct Line/(genuine) solicitors June 2010 40% - saved £3k

Morgan Stanley/Aktiv Kapital £11k SB Nov 2010

Over £40k balance write off and charges refunds to fight for:

HBOS O/d Charges £5k. Egg Loan/Aktiv Kapital CCA Dispute £8k

Egg Card/Fredrickson taking £5 monthly but CCA & Charges Dispute £4k

Goldfish/1st Credit DN/TN Dispute £9k. Capital One/CSL charges claim £4k

Barclaycard/CSL taking £5 monthly on £10k debt

 

I hope I have helped - if I have please hit my star - and recognise the others who have helped too.

Bigdebtor

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oh we all love the GLC! Well done!:D:D:D

 

I'm a bit thick with the s140 of the CCA argument though, as didn't this come into force in 2008 - where does that leave those of us with charges before 2007/2008?

 

I know I'm jumping the gun a bit but I can't wait to start planning my next attack on those smug gits at Barclays!!!;)

WOOLWICH -S.A.R - (Subject Access Request) sent 03/03/07 :cool:

LBA sent for non-compliance with Data Protection Act 28/04/07 :mad:

 

ABBEY - S.A.R - (Subject Access Request) sent 03/03/07 8)

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Well , I have two cases that were stayed. Both stays are lifted and the hearings are in April & May.

 

I could do with the amended POCs now, or a strategy to delay the hearings. It seems dumb to go to court and risk losing, whilst a more professional case is happening at the same time.

 

Unless of course, the strategy is full steam ahead and get the banks to make an offer.

 

Any advice urgently needed.

Its WAR

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Apparently an angry Scot :D

 

 

An angry Scot who clearly needs a slap to put him back in his box.

 

Slap to be administered on May 6th.

 

What all this about a Scottish Parliament?

 

Its an Assembly. You can have a Parliament when you get cast adrift, along with your rusty old empty oil wells.

 

(We got the Falklands oil to play with now) 8-)

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Where's this part from in the EC directive?

 

Links originally posted by M2AE on another thread here

HTH (Hope This Helps) RDM2006

 

THE FORCE (OF CAG) IS WITH YOU

;)

 

We've Helped You To Claim - Now Help Us Remain

A live Site - Make a Donation

 

All advice and opinions given by people on this site are personal, and are not endorsed by Consumer Action Group or Bank Action Group. Your decisions and actions are your own, and should you be in any doubt, please seek qualified professional legal Help.

 

However, if you have found any advice you have been given helpful.

Why not show your gratitude And

Click the * on the post you found helpful.

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I wonder how they will attempt to defend this one ?

 

Since they have stated in supreme court that the charges are cross subsidies they cannot now say they are administrative.... OOOPS

HTH (Hope This Helps) RDM2006

 

THE FORCE (OF CAG) IS WITH YOU

;)

 

We've Helped You To Claim - Now Help Us Remain

A live Site - Make a Donation

 

All advice and opinions given by people on this site are personal, and are not endorsed by Consumer Action Group or Bank Action Group. Your decisions and actions are your own, and should you be in any doubt, please seek qualified professional legal Help.

 

However, if you have found any advice you have been given helpful.

Why not show your gratitude And

Click the * on the post you found helpful.

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i had a hardship claim partially settled last year(out of court) pending the results of the test case at £3300 less than the total of charges and stat interest

 

if this did work and as it is a new angle would i be able to go after the remainder of my claim as a new claim

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if this did work and as it is a new angle would i be able to go after the remainder of my claim as a new claim

 

Yes, you can still claim the remaining amount, anytime, so why not give it a go?

 

Any refund during the test case MUST have stated it's not in full and final settlement, as per the FSA waiver rules.

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