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    • Everyone knows the tories were hiding the costs - and even added 4 billion quid to the taxpayers high interest credit card to fund a chunk of the NI tax reduction - prime example - look at how much cost was hidden re the Rwanda dogwhistle -10 Billion quid     and re the handful of rebels on the benefit limit If the disasters (like the Rwanda rubbish) of Tory dogs being wagged by the extremist minority ERG tail doesn't highlight the issues .. Enlighten yourself here .. (fat chance) Sir Keir Starmer is right to show Labour rebels the door WWW.INDEPENDENT.CO.UK Editorial: Suspending seven MPs following their rebellion over the two-child benefit cap is more than a prime minister flexing his political muscle. It is a...  
    • Trump instigated that didnt he @theoldrouge despite losing the election - and Biden mitigated as much as he could within his boundaries?   "President Donald Trump ordered a rapid withdrawal of all U.S. troops from Afghanistan and Somalia in the wake of his 2020 election loss"   “The order was for an immediate withdrawal, and it would have been catastrophic,” said Rep. Adam Kinzinger, R-Ill., one of two Republican members of the special panel. “And yet President Trump signed the order.”   Trump ordered rapid withdrawal from Afghanistan after election loss WWW.MILITARYTIMES.COM The memo was among the latest revelations from the congressional committee investigating the Jan. 6, 2021, attack on the Capitol building.   Although i agree that Biden should have done more to mitigate Trump driven disasters
    • ok your WS is wrong. Paragraph 16 and 17 says  you did not contract with evri but this is not true - see below  Furthermore to the eBay Powered By Packlink T&Cs that Evri is referring to, Clauses 3b and c of the T&Cs states:  (b)   Packlink is a package dispatch search engine that acts as an intermediary between its Users and Transport Agencies. Through the Website, Users can check the prices that different Transport Agencies offer for shipments and contract with the Transport Agency that best suits their needs on-line. (c)  Each User shall then enter into its own contract with the chosen Transport Agency. Packlink does not have any control over, and disclaims all liability that may arise in contracts between a User and a Transport Agency post 251 of occy thread - £844 lost    you should also add a paragraph on donough v Stevenson talking about the fact that even without contract there is still duty of care to goods and by failing to deliver this duty has been breached.   Make those changes and post it back up here and I'll check over things again
    • no we cant add the occy thing because leicster are being difficult people so we're just going to go without it for now
    • no you can email it dont worry about that. take out the index of statement of truth, just not needed
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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.

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      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.
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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
        • Like

Mummy vs Natwest


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Hi everyone. Have prepared my request for payment letter and the schedule today, and will pop them in the post shortly.

 

I'm quite lucky as I've only held the account for just under 2 years so have all my bank statements so I never had to ask for the charges to be sent. Not that I could've sent a cheque, as I've only got Natwest's Step account.

 

Again, I feel very lucky to have stumbled across this forum just now, as I'm a single mum on benefits, and as a result of a PayPal mistake, my charges have started snowballing like crazy. I'm now almost £200 overdrawn, and was going half out of my mind! My claim is for just over £300 so will get me out of a lot of trouble, even if I have to wait.

 

In the meanwhile, the most curious thing happened, I was talking to one of NW advisors about the state of my account and what I could do, and he suggested we run a credit check to see if I can upgrade, and guess what?? They're opening up a separate Advantage Gold account for me lol! :D So in the meanwhile I shall transfer my benefits to this new account, therefore getting myself out of this pickle. Just a question though, are NW likely to threaten to close both my accounts with them? :-?

 

As a precaution I will pop in to the Post Office tomorrow and open up a card account with them, just in case I need to transfer my benefits there. Ahh the jobcentre's going to love me now. :p

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Hi everyone. Have prepared my request for payment letter and the schedule today, and will pop them in the post shortly.

 

I'm quite lucky as I've only held the account for just under 2 years so have all my bank statements so I never had to ask for the charges to be sent. Not that I could've sent a cheque, as I've only got NatWest's Step account.

 

Again, I feel very lucky to have stumbled across this forum just now, as I'm a single mum on benefits, and as a result of a PayPal mistake, my charges have started snowballing like crazy. I'm now almost £200 overdrawn, and was going half out of my mind! My claim is for just over £300 so will get me out of a lot of trouble, even if I have to wait.

 

In the meanwhile, the most curious thing happened, I was talking to one of NW advisors about the state of my account and what I could do, and he suggested we run a credit check to see if I can upgrade, and guess what?? They're opening up a separate Advantage Gold account for me lol! :D So in the meanwhile I shall transfer my benefits to this new account, therefore getting myself out of this pickle. Just a question though, are NW likely to threaten to close both my accounts with them? :-?

 

As a precaution I will pop in to the Post Office tomorrow and open up a card account with them, just in case I need to transfer my benefits there. Ahh the jobcentre's going to love me now. :p

 

Good news on credit check, but the A Goldcosts far outweigh the benefits. Would suggest that you downgrade to a current plus for free as A gold is £12 per month - took me ages to realise what a rip off it was. Unless of course the benefits are what you want.

Consumer Health Forums - where you can discuss any health or relationship matters.

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Don;t forget as well that if you downgrade within 90 days that any charges for the account have to be refunded. A small that NW do not want you to know. It is in the T&C's for that account

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Good news on credit check, but the A Goldcosts far outweigh the benefits. Would suggest that you downgrade to a current plus for free as A gold is £12 per month - took me ages to realise what a rip off it was. Unless of course the benefits are what you want.

 

12 quid a month, what!! :shock: I could've sworn he told me it was £12 a year! Oh well, I shall be downgrading that one then, many thanks for that gizmo!

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Don;t forget as well that if you downgrade within 90 days that any charges for the account have to be refunded. A small that NW do not want you to know. It is in the T&C's for that account

 

And thanks for that NSM, I'm definitely going to read the T&C's now... Should've known really, I used to work for Lloyds and know what the banks can be like...

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If you used to work for Lloyds TSB do you still know ppl still working for LTSB that could also help with info on here? Would be of great use to the site

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Hi there Bristol Mummy

 

Just read your thread and had to post something. I'm a single mum too and the majority of my bank charges occurred over a period of 2 years when I was struggling on benefits. There were many times when I had to struggle by on 20 quid for the week as a direct result of the charges I was getting for going as little as 40p over my overdraft. The number of patronising conversations I had with NatWest call centre staff who were barely older than my son...!! It's the reason I'm claiming - it's criminal. Good Luck.

 

Larissa

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Hi there Bristol Mummy

 

Just read your thread and had to post something. I'm a single mum too and the majority of my bank charges occurred over a period of 2 years when I was struggling on benefits. There were many times when I had to struggle by on 20 quid for the week as a direct result of the charges I was getting for going as little as 40p over my overdraft. The number of patronising conversations I had with NatWest call centre staff who were barely older than my son...!! It's the reason I'm claiming - it's criminal. Good Luck.

 

Larissa

 

Thanks Larissa, I know it's shocking how they treat you sometimes, and talk down at you as if I'm a child! Just like yourself, I've had a few weeks now where about £40 has had to stretch to food and nappies, and it really isn't easy, but hey, it'll be worth it when I get my own back at these people...

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