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    • "Care to briefly tell someone who isn't tech savvy - i.e. me! - how you did this?" Its pretty simple although not obvious. You open the google maps app > click your profile picture > Click Timeline from the list > click today > choose the date you want to see the timeline from. Then you'll see your timeline for that day. Often, places you have visited will have a question mark beside them where google wants you confirm you have actually visited. You either click 'yes' if you have, or you click 'edit' to enter the actual place you visited. Sometimes, you'll see 'Missing visit' This probably happens if your internet connection has dropped out at that time. You simply click 'Add visit' and enter the place. The internet on my crappy phone often loses connection so I have to do that alot.   OK dx, understood mate. 
    • I have now been given a court date vs Evri, 4th Sept 2024. I have completed my court bundle, when am I expected to send copies to the court and Evri and should it be in hard copy or electronic? The Notice of Allocation states that no later than 7 days before the directions hearing both parties must send to the other party their final offers to settle. Does this mean I will have to tell Evri what I'm willing to settle? Rgds, J
    • Ok how about this to the CEO? I know it sounds super desperate but lets call a spade a spade here, I am super desperate: Dear Sir, On 29th November 2023 I took out a loan of £5000 with you. Unfortunately very early into 2024 I found myself in financial difficulty (unexpected bills and two episodes of sickness and the tax office getting my tax code wrong resulting in less pay for two months) and I contacted you (MCB) on 13th February 2024 asking if there was any way I could extend the length of my loan to 36 months. I fully explained why I was requesting this and asked for your help. I did not receive a reply to that email so I again contacted you on 7th March 2024 to advise you of a change in my circumstances which resulted in me having to take out a DMP and asking you to confirm that the direct debit had been cancelled. You would have also received confirmation of this DMP from StepChange but you did not acknowledge receipt of my email. I have only managed to make one payment from my loan but did try and contact MCB to discuss extending my loan, help etc.  I have now therefore fallen behind on several of my debts, yours included, and as a result you have lodged a Cifas marker against my name for "evasion of payment", which has resulted in me having to change banks, which has been an extremely difficult process because of the Cifas marker. I do not feel you have been fair or given me the opportunity to fully explain my situation to you before you lodged the marker against my name. I appreciate it is a business and you have acted accordingly, but I did try to make contact to arrange alternative arrangements and at no point, not even to this day, did I ever intend to not repay my loan. I cannot stress to you enough how much this has affected my mental health. I am having trouble sleeping and my existing health condition has been exacerbated by all of this. What I would like you to do is to please, please remove the Cifas marker and let me make arrangements to pay the loan back through a DMP.  Please sir, I am begging for your help here. I am not a dishonest person and I have never been in a situation like this before. I am desperately trying to make things right but this marker is killing me. Please can you help me? I look forward to hearing from you. Yours faithfully,
    • Just be careful with your language on what you post here - Keep it above board Lets see what you send to the big boss. 
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    • 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.

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    • 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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northern Bank charges reclaim **WON**


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No idea but I'm as interested as you must be....bet its all action at head office for Norma and the girls!!

 

or else they're burying their heads in the sand hoping I'll go away....

 

the next week should be interesting.If they do actually decide to go to court(unlikely I know)anyone fancy coming along for some moral support and a good giggle at their expense?

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I would take it that Friday is your deadline but I dont have any reason for that except common sense (this is the Northern your dealing with so anything could happen)

I wonder if they are using an external solicitor for these cases.

 

My money is on CCJ by default.

 

They would need some manual intervention to file a case and then actually go to court so I doubt it would happen.

 

No automated system for these services yet!!

 

Cat

 

How much are the tickets for the Northern (no) show? :lol:

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I would take it that Friday is your deadline but I dont have any reason for that except common sense (this is the Northern your dealing with so anything could happen)

I wonder if they are using an external solicitor for these cases.

 

My money is on CCJ by default.

 

They would need some manual intervention to file a case and then actually go to court so I doubt it would happen.

 

No automated system for these services yet!!

 

Cat

 

How much are the tickets for the Northern (no) show? :lol:

 

Cat-it's actually Monday-they have til close of business to file a defence,and I talked to the Chichester Street Office yesterday and there is nothing so far.Tickets are free-and a splendid time is guaranteed for all!!!(to paraphrase THE FAB 4)

 

BRU-thanks for the kind offer-I'll let you know if and when ,mate!!It will be Craigavon in any case....

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Me tooooo wouldn't miss it....email me privately details and when it will be interesting getting together and comparing note to damning note....I have few things that will be of interest to others.

 

Reckon I'll be needing some moral support myself in the not to distant.

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Me tooooo wouldn't miss it....email me privately details and when it will be interesting getting together and comparing note to damning note....I have few things that will be of interest to others.

 

Reckon I'll be needing some moral support myself in the not to distant.

 

thanks Anaconda-and I would be more than happy to support anyone against the Northern.Have you dug up some nice juicy info which might help,then?More power to your wee wheel,as they say!!

 

Anything you need in the way of help or info,please just ask,and if I can help I will.This has become personal of late.....and I'm getting angrier by the day!!!

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monday isn't a court appearance date-if they haven't entered a defence by close of business on monday,I file for decree by default and they pay up or else the bailiffs go in...LOL-Nuala would just love that!!

 

if they do file a defence,it's only then a court date gets set-but it would be Craigavon Court if it is allocated a hearing.....just a matter of when

 

It doesn't worry me if it does get a date.It would just be a lot handier if I can do it all online.

 

Do you hear that sound Nuala?

TICK TOCK, TICK TOCK-

 

that,Nuala,is the sound of inevitability.......

 

cut the crap and pay up NOW!!!

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brilliant read, I've just joined the forum (hopped over from MSE) and living in Norn iron was wondering if anyone had taken on the big guns here.....good luck LTWFB (we're big into initials over here ....lol) good luck in yopur case....can't wait til the outcome appears.....unfortunately the NB stitched me up over 6 years ago when I came out of work on illness and the charges rocketed....but the last 6 or 7 years have been a struggle to get us on an even keel....but we got there....

 

 

Once again... "Good luck".... "go ye boy ye"

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****BREAKING NEWS****

 

just checked the NI small claims website-Northern appear to have lodged a "notice of dispute" and "Transfer (Civil) Case" appears in the event section

 

what does Transfer (Civil) Case mean exactly-has it been moved off small claims track,or does that mean we get a date in Craigavon?

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Hi Lickthewallfatboy

 

I have gone through the dispute part with First Trust. They filed a dispute on the morning of their deadline with the court. You will get a letter from the court in the next few days assigning a court date for the hearing. It will be well into September/October because of the summer recess in Northern Ireland. First Trust had to respond to the court by 6/7/06. I got a letter a couple of days later informing met that my court date is 26/9/06. It is also in Craigavon. Mine is not for DPA disclosure but for the fees. Tranfer to civil means you will get your date in Craigavon. If I can help in any other way give me a shout

Flo

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thanks Flojo!!

I suspected that they would file a defence,but that it would come on monday.Have First Trust been in touch with you since they lodged?I've been looking on some of the other sections eg Abbey,and it seems that they come in with an offer in the interim.Maybe we'll get the same here-although maybe the NI banks think they are immune from all this.....

 

How does it feel to be an NI trailblazer? ;)

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No nothing from First Trust or their solicitors. The last correspondence I recieved was from the Court. They probably think they have plenty of time as the court date isn't until the end of September. Ah well sure isn't the interest accumulating on a daily basis.

When the court write to you they will tell you that you have to submit all relevant papers 10 days before the hearing.

Anything I can help with just shout!!!

I'll keep you posted on anything I hear.

 

The big four here think they can do what they like and they are currently being investigated by the Competion Committee because of their high charges. The Consumer Council for NI in conjunction with Which? reported them to the Office of Fair Trading who in turn commissioned the Competition Committee to start the investigation.

They know they have that going on - so they won't like us fighting them through the Courts.

Keep the fight up - we will win in the end!!!!!

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Absolutely,

 

I think they may be trying to have the case heard in Belfast. Under Part 26 of the Civil Procedure Rules.

 

PART 26 - CASE MANAGEMENT – PRELIMINARY STAGE

 

Fight this Tooth and nail, at least one defendant must be an individual for this to take place automatically.

 

In any case if you branch is in the Craigavon Area you can argue that Craigavon is the Defendants home couts

 

Hope this helps

 

regards

 

Bru

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Woohoo,

The post are coming thick and fast on this thread today9 My inbox can hardly keep up).

 

It would be a good idea to try and find that thread. be prepared just in case..

 

It pays to keep at least one step ahead of the posse

 

Bru

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Just had a message left on my mobile from a senior area manager,which takes in my branch.I sent the branch a letter the other day after they had written one of those standard "please ensure you lodge enough funds to cover blah blah..."

 

anyway,I told them the current position that we are in,and this manager wnats to arrange a meeting with me and the better half to "get a better understanding of what we are looking for"??????

 

I'm not so stupid as to agree to this,but do you think they are rattled,or are they trying to set us up for the "hot teaspoon under the foreskin" treatment if we did agree to go in?

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