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    • Appreciate the time that has gone into replying. I have read so much about this tonight that hopefully I can be a step ahead.  If I gain a reply from the head office I shall let you guys know. 
    • yep. they are all simply trading names of perch to try and scam people into thinking their debt is going up some kind to mystical legal chain...which is BS. all dca's pull these stunts and have done since the late 1970's
    • just type no need to hit quote. what you really need to do is forget about it now they have  just steer clear of THAT ONE STORE for a few months. other B&Q's are OK. even if you do go back in, they'll simple ask you to leave, then if you return again, could invoke trespass laws BUT WE HAVE NEVER SEEN IT HERE. as for getting out of your tree about police, prison, criminal record, arrested, knocks at doors, letter of claim....NONE OF THE CAN EVER HAPPEN. and has not on these joe public low level shoplifting incidence since 2012. you've already got a scary letter ratchetting on about some mystical FAKE civil restoration scheme .  you'll probably get a few more ...NOTHING THEY CAN EVER DO. bin shred burn give to your pet hamster any money people pay CRS/RLP/DEF etc regarding their letters goes straight into their pocket and off they go down the pub and LAUGH at people they mugged. the retailer never sees a penny.  i admire your action of send £5 to B&Q. its done now and its over with....move on with your live. dx
    • Sending money across borders, particularly in Africa, can still be expensive.View the full article
    • 4.  Under The Pre-Action Protocol 201?, a Debt Buyer must undertake all reasonable enquiries to ensure the correct address of a debtor, this can be as simple as a credit file search. The Claimant failed to carry out such basic checks. Subsequently all letters prior too and including ,The Pre action Protocol Letter of Claim dated 7 January 2020 and the claimform dated 14th February 2020 were all served to a previous address which I moved out of in 2018. 9.   The claimant failed to comply with the additional directions ordered by District Judge Davis on the 2nd February 2024 'The Claim shall be automatically struck out at 4pm on 3 April 2024 unless the Claimant delivers to the Court and to the Defendant the following documents.' None were received by the court nor the defendant by that date. re: 13 & 15...they dont need to produce the deed, thats a private b2b document only the judge can demand sight of. i would remove 13 totally as within their WS they have produced the Notice Of Assignment. and delete it from 15 a few ideas. dx  
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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.
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      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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HI, wonder if anyone can help. I my partner and I claim working tax credits and child tax credits for her son. I have two daughters wholive with their mum most of the time but stay with us most weekends, during the week at times and some holidays.

 

My ex wife doesn't claim any tax credits as their income is too high. As I claim tax credits, could I claim child tax credits for my children? thanks in advance.

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Didn't you ask this on the Money Saving Expert benefit forum?

 

HI, wonder if anyone can help. I my partner and I claim working tax credits and child tax credits for her son. I have two daughters wholive with their mum most of the time but stay with us most weekends, during the week at times and some holidays.

 

My ex wife doesn't claim any tax credits as their income is too high. As I claim tax credits, could I claim child tax credits for my children? thanks in advance.

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Hello and Welcome, bert-09.

 

Hopefully you'll get some help soon.

 

Regards.

 

Scott.

Any advice I give is honest and in good faith.:)

If in doubt, you should seek the opinion of a Qualified Professional.

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Help keep it up and active, helping people like you.

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CTC can only be claimed where the claimant or their partner is the main carer for the qualifying child. Although you as a parent have a degree of responsibility as a carer of that child, tax credit consider a main carer to be "someone who is normally answerable for, or called to account for the child" From the limited information you have given, it appears that your ex wife is the main carer given that the children stay with her "most of the time". You could most certainly apply however there may be problems if your ex wife disputes the claim, or if tax credit feel that you are not the main carer for the purposes of a CTC claim. Child benefit cannot be used as a deciding factor per se, but as child benefit is normally paid to the main carer, this could throw suspicion upon the claim. You could phone the helpline for advice but in all honesty, they are call centre employees; they don't actually process claims and are not fully trained in the decision making in a claim, so I'd take anything they say with a pinch of salt. They've given me false information on a number of occasions.

 

I suggest if/when you apply, you make it clear what the position is from the outset to save any possible backlash later on. If you go to the benefits A-Z in the cagmag library, under "C" you will see links to the tax credit manuals which are used by tax credit when deciding claims. You can also search the manuals by inserting key words into the search bar.

 

People are welcome to post on other forums whilst asking the same advice on CAG - we don't keep members on leashes. In fact, I would conclude that it's very important that a person seeks as much advise from as many sources as possible to enable them to balance the information they are given.

My advice is based on my opinion, my experience and my education. I do not profess to be an expert in any given field. If requested, I will provide a link where possible to relevant legislation or guidance, so that advice provided can be confirmed and I do encourage others to follow those links for their own peace of mind. Sometimes my advice is not what people necesserily want to hear, but I will advise on facts as I know them - although it may not be what a person wants to hear it helps to know where you stand. Advice on the internet should never be a substitute for advice from your own legal professional with full knowledge of your individual case.

 

 

Please do not seek, offer or produce advice on a consumer issue via private message; it is against

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