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    • and it will be also now written off under age related criteria anyway.
    • DX: Thanks for this! I'm still not clear if I'm facing more than 6 points on my license though. Can you explain any further please? When I accept the 2nd speeding ticket, will they just charge me £100 and 3 points, or will they be more severe consequences since that offense took place the following day of the 1st offense? Similarly, when I accept the 3rd offense, will they look at my record or just charge me with the £100 fine and 3 points? @Man in the middleI've been searching the forum and you seem very knowledgeable. Would you mind giving a look at my query please? Thanks in advance!!
    • Yes of course. That's why it says cc:: BIg Motoring World at the bottom. Don't imagine that this solves the issue. It doesn't. He not have to force the finance company and big motoring world to accept the rejection to give your money back. I suggest that you get the letter off tomorrow. And let us know what you hear but on Friday you should then send a threat to the finance company.   Have a look what I have said here about your options and read the whole thread as well.  
    • Been perusing the actual figures on the polls above wondering where the '16% claimed for deform comes from? I understand that there are 'weighted' end results based on secret calculations ...   Probably going to repeat this later, but remember that the ukip/brexit/reform/deform party has ALWAYS had poll speculation FAR better than their actual  performance at elections - by large margins. SO: The labor and Tory votes come largely from simply the people who say they will vote for them - sorted Lab 43% Tory 20%, with maybe another small 1-2% coming from the weightings of the 'not sures' Greens largely get what is declared from 'other' , although with another declared green bit from the 'pressed' question   So as the share of the voting displayed in 'other' granted to reform/deform is around 11%, where does the '16% too often being reported come from? Seems that reform has been granted as beneficiary of effectively ALL the don't knows and wont says, who when pressed didn't actually declare for someone else ... effectively adding 40%+ to their reported polling % - rather strange given their consistent under-performance compared to polling - or perhaps that is the cause of the higher rating eh?   Now I admit the possibility (probability?) of wingers being ashamed of declaring their support for the yuckey lemon end of the spectrum ... but surely  that should affect the 'Torys as well? Maybe the statisticians have simply weighted in that deform wingers are simply more likely to lie?   But - without 'weightings' and assumptions that faragits will get everything that isnt declared as a definite and unequivocal 'not that Piers Morgan' - reform is on around 11% it seems.   Add to that the history of polling a lot less than the hype - and the simple fact that faragit wingers seem to be spread across the country (presumably skulking in their moms spare room despite being 45+) and greens and lib dems seem to be community minded - I think two seats will be an epic result for farage. Hardly the opposition - far more raving wingnut party.   and importantly - Has farage got a home in clacton yet?
    • "as I have no tools available to merge documents, unless you can suggest any free ones that will perform offline merges without watermarking" (which you don't) ... but ok please upload the documents and we'll go from there
  • Our picks

    • If you are buying a used car – you need to read this survival guide.
      • 1 reply
    • 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 
      • 81 replies
    • Housing Association property flooding. https://www.consumeractiongroup.co.uk/topic/438641-housing-association-property-flooding/&do=findComment&comment=5124299
      • 161 replies
    • 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
        • Like

andrew hart/hartinvestments/paydayoverdraft.com/Wage Payments and Payday Loans Ltd - claimform - PDL i know nothing about - scam? **Claim Discontinued**


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Can you imagine the psycho babble that you emanate from which ever orofice he talks through if he

ever got in front of a judge:madgrin::jaw:

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Simple facts.

 

1. He states you owe him money.

2. You do not.

3. You tell him you do not and demand proof. He provides none pre-action.

4. He issues a claim.

5. You issue CPR request.

6. He fails to respond properly to CPR request.

7. He continues to contact and harass you while a court claim is in progress, but not in any genuine attempt at settlement.

8. You enter your defence based upon these facts.

9. He decides he wants to take it further and AQs will be issued.

 

Have I missed anything?

 

Providing you have given us chapter and verse, and based on his own responses, and postings on his own web sites and profiles – which I urge you all to look at, it’s hilarious – I believe any comments about his state of mind and general demeanour are ‘fair comment’, however colourful. Comments on the legal matters are again just that – legal opinion (though not qualified legal opinion). This is, after all, a forum.

 

I believe the gentleman has an unwinnable case, and I also believe his actions since issuing a claim have at no time been designed to negotiate a settlement (a further demand is not negotiation – he only asks you to call to discuss while also demanding the ‘debt’ be repaid in full).

 

Bring on the court case. Can I sell tickets?

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Book a ticket for me please better than live at the Hippodrome:whoo::whoo::whoo:

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Mr Hart's own behaviour is sufficient evidence of his failure to comply with the terms of his consumer credit licence in any case. As for his reputation, I suspect that his hopeless grammar and punctuation, as well as some of the rest of his internet presence would be enough to make anyone see that he is something of an amateur. Then there's his luxury hotel, and the damning reviews on Trip Advisor....

 

All the same, people like this can be litigious and waste lots of time dealing with their lawyers. Remember, lawyers are like prostitutes - they will do whatever the client wants as long as they get paid, so even if there is no basis to allegations, that doesn't mean that lawyers won't do anything - even if it's only something that warrants the reply given in Arkell vs Pressdram (1974). Therefore, everyone please remember that whilst there is such a thing as fair comment, personal insults and/or anything that could be perceived as a threat must not be posted.

 

Please remember that the purpose of this thread is to help ads to defend himself; just like lawyers, we have accepted his version of events, and Mr Hart will have to understand that ads is free to take advice where he will. The thread is not here to heap scorn upon Mr Hart, or to speculate upon his mental health or capacity, however repellent we may find him personally, and no matter how non-compliant his business oractices appear to be.

 

Having been on the wrong end of one of these vexatious forays by lawyers, I suggest that we now concentrate on the court case.

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The man is off this planet I would most sincerely doubt if he would have the guts or the brain to do anything:!:

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Hi Ads,

 

You have two main defences here against the claims of libel and slander: justification and fair comment.

 

- If you can prove that all the facts you've stated on here are true then it's not a libel, you can claim defence of justification. As the facts you've shared with us have mostly been directly copied and pasted, or from phone calls that you may have records of, you're fine.

 

- You are entitled to express your opinions under the defence of fair comment. These opinions can be as defamatory as you like as long as they are your honest opinion, and are based on true facts (ie you are welcome to say that, for example, a businessman is outrageously unprofessional, if he has you threatening, inaccurate emails even after court proceedings have been launched).

 

I really feel for you, Ads, it sounds as though you've been through such a lot with this. Still, the guys here have been amazing; keep us posted on how you get on and I wouldn't worry about this latest threat, if he tries to go through with it it'll cost him a fortune for not a lot of joy.

 

Good luck,

A

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Cannot believe this idiot - cannot believe he would travel to Walsall for a couple of hundred quid, do we have anyone in striking distance of Walsall? libel and slander are expensive claims to bring and almost unwinable, is he Mohammed All Fayed? I don't think so. What a complete tosser, sue me mate. Follow DB's advice although I am not sure of the process

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Coledog and everyone else, I can not express my gratatude, if i went down the solicitor route i would be paying more than what he's claiming.

over the past few months this has been more at the forfront of my mind than anything else.

my councilor (sorry spelling is not my strongest) can not believe how intimidating this person is.

Twice I actually atempted to take my own life (Which the actions have been noted by doctors) this I am not affraid of sharing, as the actions to stop me, that were taken by complete strangers prove there is humanity in the world we live in.

That being said, every comment, phone call, and email recieved by Mr Hart has had a huge impact on myself, and that by using this forum I have had calming and also amusing responses.

to be completly honest with everyone here including Mr Hart if you are still reading this (by the way HOW THE HELL does he know who this is AS I HAVE NOT POSTED ANY REFRENCE NUMBERS OR NAMES???), his constant threats of Bankruptcy does not phase me, reason being Im only 32, I have a completly CLEAN (with the thanks to this forum - see my cabot and hillsden posts) Credit file. My only debts are a car on HP and a two loans. I DO NOT own any property (claim by Mr Hart) and I am also claiming benifits OF WHICH is now being reviewed for Disability to work due to my depression. I will also state my reasons for my depression here and to anyone else as it is a Taboo subject that many people do not talk about OR how to speak to a person (regardless of how close you are THIS IS NOT A SYMPATHY VOTE) reasons being is due to child loss thrrough misscarrige, I know this can happen to anyone (god forbid) but it is something that sparked a downward spiral that affected everything, in my life such as my beliefs (in god) my confidence and also my respect for people. IF Mr Hart does have a case against me, I really could not give a damn, as there is NO money in the world that could replace that of a child. I am stronger (from the help of medication) person now than I was when I originally posted this. I am awear that there are other people out there that are far worse off than me. And as Im 32 from this forum it has pointed out that whats is the worse that can happen? There is NOTHING I own... The pc I use is my moms, the clothes on my back are from her catalouge, my car is on HP, and I dont own a house as Mr Hart claims.

I would again like to extend my gratitude to the people of CAG that have listened and put up with my posts - even the converted sceptics. A huge thank you from the bottom of my heart (no pun). Andi

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Hopefully the support you are getting here will make you feel a lot better and you will look back on this and laugh. You have a wad of evidence to make some serious complains about this character. He is trying to make this personal but this will backfire on him. Depression can be controlled, by the way, try and insist on some CBT treatment as that really helps.

 

I am still concerned about getting this legal issue sorted so that we can get some proper complaints issued. think that the next step is to look at the N149 as DB has suggested.

 

We’ll use the N149 to demand directions from the court, ie. make him produce the evidence you demanded via CPR, or ask for a strike out.

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Great post ads I sincerely wish the very best of luck get well soon.

Brig.

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ads_uk... I'm really sorry to hear that you have found yourself in state of Depression..I understand that believe me..As coledog and the other guys are here helping you with this matter, I don't think (in my humble opinion) a solicitor could do it any better or different. Remember this is not personal,although it may seem that way to you, I am having a wail of a time with Cabot at the moment..lol .... its just business. So don't get yourself upset and et up about it...In my opinion, judging by what I have read here and on his own site, Mr Hart is one of those types that will do pretty much anything to get money from any one, in anyway possible, you to him are just another money source, I'm sure if he ever met you in person he would not act in the way he is doing through the course of this debacle/problem/[problem]/money making racket he has going on.. You seem to be a really nice person with a great sense of fun and humour, keep your chin up ..you are doing great, with the fantastic folks here helping you with the paper side of things, I truly can't see anything you have to be scared of or worried about with this matter...All the best Kniggs.;)

ʎɐqǝ uo pɹɐoqʎǝʞ ɐ ʎnq ı ǝɯıʇ ʇsɐן ǝɥʇ sı sıɥʇ

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This just gets better and better, So Mr Hart, reads this thread and puts 2 and 2 together and come up with 7, This guy is a danger to himself and to any poor soul that has had the misfortune to cross his deluded path, He is either very desperate for any cash he thinks he can squees out of people or he honestly believes that money is owed regardless of how much evidence is provided to the contrary, so he will in his own way probably try and sue for defamation, I mean a person with this many arrows to his business bow, must also be a very expert litigation lawyer, about has expert has his money lending business brain and his hotelier business brain.

 

and just to be on the safe side this post is posted with the following caveat

 

WITHOUT PREJUDICE

 

and Mr Hart if you dont know what that means LOOK IT UP

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You can here the pages of the Toy Town Childrens' Dictionary rustling already:!:

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An old phrase used in the forces to describe an incredibly crass recruit IS THUMB:lol: UP BUM BRAIN IN NEUTRAL:!:

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I thoought that the light vanished up where the sun don't shine and came out like this:puke::puke::puke:

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Ads everyone is proud of you. Stay strong and one day you'll be able to be strong for someone else being bullied. As they say...don't let the buggers get you down xxx Now, let the guys work with you to sort the legal side of things out and come your day in court you'll have lots of McKenzie friends to guide and be with you.

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Okies - Section G of the N149 asks Other Information: In space below, set out any other information you consider will help the judge to manage or clarify the claim, including any other information you consider should be supplied by the other party. What can i put in hear?

 

Thanks to DB.

I so far have. "‘In the light of the defendant totally refuting this claim and denying any debt is owed at all or any monies have ever been received by the claimant, and n the absence of any responce by the claimant to the defendant’s CPR request, the defendant respectfully requests the court to order the claimant to produce the following:

• Credit agreement

• Documentary proof that funds were paid to the defendant

Default Notice

Details of intrests and charges - specifiying the amount of intrest, percentage of rate, date from which it was calculated

 

anything else?

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