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    • Thank you for the summary you have given. I think you will need to commission a fully detailed point by point report which identifies the issues, the cause of the issues and then separately a quotation for resolving them. I think you need two quotations – comparative. Do you know the name of the person who owns TB plastering? Do you know their address? Do you know they have any assets? It sounds to me as if it's going to be quite an expensive job. On the basis of what you say, if you bring a legal action then you will have no difficulty getting a judgement in your favour the problem will be enforcing the judgement. What address do they use on their bill? You need to have a look at the land registry web check service for about three quid check to see who the owner of a particular property is. Of course you could simply wait until they decide to sue you and then bring a counterclaim but there is a big chance that they won't bother to sue and so it may be down to you to take your own action to undo the mess they have made. Come back here when you have found this out
    • Investors expect artificial intelligence to unleash a new wave of growth.View the full article
    • The first thing is to let the surgery know that you didn't enter your car registrtaion when you visited and ask them to confirm to Euro that you were a patient on that day and Euro should cancel. The quicker you do that before matters escalate, the more lkely that they will cancel. You could suggest that  they put up a sign reminding drivers to enter their vrm. thank you for posting the whole of the PCN which confirms that it does not comply with the Protection of Freedoms Act 2012 Schedule 4 Section 9 in two ways. [2][e] of S9 states (e)state that the creditor does not know both the name of the driver and a current address for service for the driver and invite the keeper— (i)to pay the unpaid parking charges; Your PCN does not. All it does is to ask the driver to pay which is not enough. In addition under [2][a] the PCN should specify the period of parking. Instead it gives the arrival and departure times of the car as it passes the ANPR cameras which is not the same. That means that you as keeper are not liable to pay the PCN only the driver is now liable. Courts do not accept that the keeper and the driver are the same person so proving who was driving will be difficult for Euro.
    • Pro peace/anti war/anti-atrocity marches which included many Jewish protestors carrying banners (as previously linked)  decrying the atrocities of Israel and the IDF such as 'Not in my name' 'Never again to ANY people'   Although a very small handful of unconscionable Hamas supporters were among the many MANY thousands of pro peace protestors, even they displayed nothing like the hatred and violence demonstrated by the 100 or so far right rabble who attacked police, tried to attack the peaceful protestors and then attempted to violently breach the cenotaph itself. The pro peace/end atrocities in Palestine protests have remained largely peaceful despite ongoing atrocities by the state of Israel and the IDF.   Even today, unarmed starving civilians in a supposedly safe camp in Gaza were murdered by shelling and bombing from afar by Israeli forces, while violent Israeli settlers have forcefully deposed more Palestians from their homes and lands on the west bank with the aide and support of Israeli military forces - just as the Israeli forces are forcibly relocating civilians in Gaza with even more horrors, atrocities and violence. These atrocities by the IDF in Gaza include starvation, forced relocation, bombing homes, health centers and refugee camps, denying food water and medical support, murdering journalists and health workers and the mass murder of women and children  .. are growing alarmingly and horribly reminiscent of some of the similar but wider scale utterly monstrous genocidal atrocities by Nazis on the Jewish people, which makes these actions by Israel and the IDF even more unconscionable and deplorable.  
    • Hi all, I was wondering what peoples thoughts / advice is for my following situation. Unfortunately, I have been caught speeding on the m6 - 56mph in a temporary 40 zone. I did not realise that the speed for the current stretch I was on, was reduced to a 40, I knew that some parts was bought down to 50mph but not 40. Ultimately, it is on own fault for not being more focused at the time.  I was wondering whether anyone caught doing similar speeds over the limit have been offered a speed awareness course. My letter states that the records show I have not met the criteria for a speed awareness course, which I feel is harsh given this is my first offence & the threshold for consideration is upto 53mph as stated below, our speed narrowly exceeded the limit and falls within the guidelines set out by the National Police Chief Council (NPCC) up to: 31 mph in a 20 mph area 42 mph in a 30 mph area 53 mph in a 40 mph area. Could I argue that my speedometer is not entirely accurate as such I should be considered in the 53mph bracket above and considered for a speed awareness course?  
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      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.  

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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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i have red marks on my credit report from experian, at the min iam protesting the agreements to my lloyds loan, lloyds have now placed 5 red marks on my report now, can they do this as the loan is being disputed at the minute? i have been doing this since may 2009 and i still havent recieved the orginal agreements i have asked for under s77.78. can i send a letter to experian to wipe these marks off? please help

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It was thought that if an account was in dispute you had a case not to have late or missed payments put on your Credit reference files. However since McGuffick V RBS companies have the courts say so to place these markers.

Without a CCA LloydsTSB can not enforce the loan but placing markers and asking for repayment is no longer deemed as enforcement.

 

Experian cant remove the information only LloydsTSB can. Writing to Experian they will then contact LloydsTSB who have 28 days to answer. If they say it stays it stays. I understand if they do not contact Experian within 28 days it can be removed by Experian.

Edited by esmerobbo
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CCA is a consumer credit agreement. the contract you signed when you take out a loan/credit card with the creditor.

 

Before they can enforce payment through a court they must have a compliant agreement. But now even without one they can report to credit reference agencies and ask for payment.

 

If you have a dispute over the agreements as you state then the account is in dispute and your not obliged to pay.

 

LloydsTSB can and will mark your CRF with late payments even if you can not be taken to court on non compliant agreements.

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