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    • Good Law Project are trying to force HMG to release details of how Sunak's hedge fund made large profits from Moderna. Government ordered to disclose Sunak’s hedge fund emails - Good Law Project GOODLAWPROJECT.ORG Good Law Project has won a battle with the Treasury after it tried to suppress emails between Rishi Sunak and the hedge fund he founded.  
    • Nick Wallis has written up the first day of Angela van den Bogerd's evidence to the inquiry. I thought she was awful. She's decided to go with being not bright enough to spot what was happening over Fujitsu altering entries on the Horizon system, rather than covering up important facts. She's there today as well. The First Lady of Flat Earth – Post Office Scandal WWW.POSTOFFICESCANDAL.UK Angela van den Bogerd, on oath once more It is possible that Angela van den Bogerd and her senior colleagues (Rodric Williams, Mark Davies, Susan...  
    • Thank-you dx, What you have written is certainly helpful to my understanding. The only thing I would say, what I found to be most worrying and led me to start this discussion is, I believe the judge did not merely admonish the defendant in the case in question, but used that point to dismiss the case in the claimants favour. To me, and I don't have your experience or knowledge, that is somewhat troubling. Again, the caveat being that we don't know exactly what went on but I think we can infer the reason for the judgement. Thank-you for your feedback. EDIT: I guess that the case I refer to is only one case and it may never happen again and the strategy not to appeal is still the best strategy even in this event, but I really did find the outcome of that case, not only extremely annoying but also worrying. Let's hope other judges are not quite so narrow minded and don't get fixated on one particular issue as FTMDave alluded to.
    • Indians, traditionally known as avid savers, are now stashing away less money and borrowing more.View the full article
    • the claimant in their WS can refer to whatever previous CC judgements they like, as we do in our WS's, but CC judgements do not set a legal precedence. however, they do often refer to judgements like Bevis, those cases do created a precedence as they were court of appeal rulings. as for if the defendant, prior to the raising of a claim, dobbed themselves in as the driver in writing during any appeal to the PPC, i don't think we've seen one case whereby the claimant referred to such in their WS.. ?? but they certainly typically include said appeal letters in their exhibits. i certainly dont think it's a good idea to 'remind' them of such at the defence stage, even if the defendant did admit such in a written appeal. i would further go as far to say, that could be even more damaging to the whole case than a judge admonishing a defendant for not appealing to the PPC in the 1st place. it sort of blows the defendant out the water before the judge reads anything else. dx  
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    • If you are buying a used car – you need to read this survival guide.
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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.

      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 
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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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About to take on cahoot


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I have just recieved an email telling me that they are posting out the information that I requested - not sure what the amount will be but should be about £900 ish - From reading everyone elses threads on cahoot it seems that they are the hardest bank to get charges refunded - what are my chances? and will you guiys help me if I get stuck? :confused:

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Hi

 

I'm not far into the process either - sending my LBA next week, but I'll help as much as I can. It does seem that Cahoot are really difficult, although maybe this is because people who have success aren't posting? Or maybe it just looks like cahoot aren't getting as much success as the other bigger banks because there are fewer people claiming.

 

Either way good luck - it's a lot of money and the law is on your side!

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Your chances are fine. You could send your letters through their website, to speed up the initial letter writing stages of intitial approach for repayment and the letter before action (I asked for a list of charges through the 'contact us' sectin of their website, and any further correspondence through [email protected]).

 

I'm filing a court claim myself next week.

 

Just hang in there...

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Hi,

 

I posted mine and got an email back telling me to sod off. I'm posting all of mine as I no longer have an account with them and so view it as being more professsional, although as their responses are via email it really doesn't matter.

 

Read the FAQs before starting - you need to send the prelim letter in the library, but READ THE FAQs and keep us posted.

 

Good luck! Lager Lou

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Hi

I have found your messages really helpful- I sent my first letter to them (I closed my two current accounts with Cahoot in March) about 25 days ago and have heard nothing from them not even an acknoledgment to date. Did you guys receive a letter acknowledging your request for statements letter? If you had an email- did they email you at the email address you hold/held and registered as customers- my personal email that they had a record of is also closed down.

 

Very worried about the whole thing and not sure what I do now- do I chase by letter about the statements until the 40 days are up? and then what as I have no idea how much they owe me- just that it's a lot!?

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  • 2 months later...

Hello

It's ages since i started my actions against Cahoot. I sent off my lba about a month ago and still have not got my court bundle together. (hectic time with post grad studies).

Now, am filling in N1, printing off copies of print out statement from Cahoot, printing out email correspondence from Cahoot. Has anyone included anything else in the bundle (supporting evidence from reports etc etc)?

Be grateful for any advice

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Hi,

 

Am a bit confused about which stage you are at. if you are filing an N1 form then you do not have to (yet) worry about putting together a court bundle. The bundle will be needed if you get a court date - this will not be for a while yet.

 

When submitting your N1 you just need to attach a schedule of charges, which should include your account number, name, dates you were charged, type of charges and the amounts. There is a spreadsheet to help you do this in the library; there is also advice on how to fill in an N1 form in the library.

 

Hope this helps, Lager Lou

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Many, many thanks. I was v. confused too! That's really helped.

Am also confused about what interest if any to include on the schedule.

 

Up to this point i have put on the 10.6% charged on the o/d by Cahoot.

:confused: is this right? it seemed only fair to me.

 

i have had no reply whatsoever to my L.B.A. either.

 

ha hum

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The following link will take you to the spreadsheets in the library. Personally, I've not bothered calculating the overdraft interest as my claim is quite small and i didn't feel it was worth it, so I'm unable to help you calculate the interest accrued on your overdraft - sorry, maybe somebody else can.

 

As per the FAQs in the library, the interest you claim for at the court stage is both the overdraft interest and interest of 8% for each charge, from the date you were first charged. The following link takes you to the spreadsheets in the library. You should not have asked for the 8% interest before starting court action, although I believe (again, check the FAQs or ask somebody else) that you could ask for the overdraft interest in your prelim letter and LBA.

 

http://www.consumeractiongroup.co.uk/forum/bank-templates-library/182-6-interest-calculation-spreadsheets.html

 

Hope this helps, sorry it's not the complete answer!

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Thanks very much. I've already made a spreadsheet to calculate the interest, what I really needed to know is what you've told me: I couldn't make out if the o/d interest was in addition to the 8%.

think it's time for action now!

:D thanks so much!

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