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    • Hearing held today in court. I attended in person and Evri had an advocate attend on their behalf to defend their position that my contract is with Packlink and not with them. I also provided a copy of Evri's terms and conditions which explains that a contract is entered into when a parcel is sent with Evri. The judge pointed this out to the Advocate and agreed there is a contract between me and Evri under the Ts and Cs. The judge explained that while Packlink are responsible for organising the delivery of the item, it is Evri who are responsible for handling the goods and delivering them, and therefor Evri has a responsibility to handle the goods with reasonable care and skill. So am pleased to say the judge found in my favour. Hearing lasted about 75mins. Evri has been ordered to make payment within 21 days. Also nice to meet @jk2054 in person.
    • Good morning,    I just wanted to update you on the situation.    I have visits piling up with my current employment and they need doing before I finish at the end of this month.  I am moving to Wiltshire in 3 weeks for a new job helping care homes with their Dementia patients. I tried to work it out and at a guess I will be doing about 20-25,000 miles a year. So need a vehicle that can cope with that mileage, my old car would have done it easy but 🤷‍♂️ I have taken out a loan and got a friend to find me a reliable car that can cope with the miles and hasn't been written off in the past.   I phoned Adrian flux to see if I could use the last months insurance on a new car I have bought, the girl I spoke to phoned Markerstudy and asked them but they said no, my new car doesn't have any modifications.    I had an email from someone who saw one of my appeals for information, they live near the site of the accident and know a nearby farmer who has a security camera at his entrance that catches the traffic and specifically registration plates as he has been robbed before. They said they would reach out for me and see if he still has the data. Unfortunately it wont catch the scene of the crash.   The Police phoned me and said they were closing the report I made, even if they found footage of the vehicle at the time I said the actual incident would be my word vs theirs.  My first response was I am sure google maps would show that they turned around at that location which would verify my version of events, but upon reflection I do understand, I have seen people doing make up with both hands while driving, eating from a bowl steering with their knees and veering all over the place. I am sure some of these people go off the road and claim that someone forced them off.    Markerstudy phoned me yesterday to say that my car is now at Copart, the £80 tank of Vpower diesel was emptied on entry to the site for safety reasons, which I get but it sucks.  It is awaiting being assessed and shouldn't be too long, which is a relief.  I am really glad things do not seem to be going the way of the other stories and they seem to moving quickly.   However I was informed that my car was a structural write off before I bought it - this destroyed me, I was almost sick.  and this is going to affect any offer of money - after hearing the first statement this didn't affect me.   They need to wait for the assessor to check it over but it is highly likely to be written off and the maximum they can offer is £2300.  I was desperate for a car as I was working for an agency at the time, no work no pay, and did not do a vehicle check because I didn't know about them.  The seller did not tell me that it had been structurally written off, he told me that it had the front wing damaged while parked and was repaired at an approved repairer.  Markerstudy records state that it was sold at auction, no record of repair at an approved repairer.  I bought it bank transfer with hand written receipt.    It gets worse.    It turns out my airbags should of gone off. For some reason they are not working. I think we can figure out why.  If I had hit that car head on and had no airbags.    Some good news.    I can arrange a time with Copart to go and take my stereo equipment and any personal items that are left in the car only. I cant live without music and need quality sound, my speakers and amps are Hertz and JLaudio, (no I am not a boy racer with booming subs, I am an audiophile on a budget) I was really worried I wouldn't get them back so this is a huge relief for me. It is stuff I have built up over years of saving and collecting. Everything to do with the vehicle and mods I have declared need to stay to be assessed.   The accident has gone as a fault on my record, I have to remove 2 years NCB which means I still have some to declare which is good.  So it appears at this point that it may be resolved quickly, not in the way I was hoping, but not as bad as I presumed it was going to be based upon that tow truck drivers attitude and behaviour and the horror stories I read.   I am not going to buy the car back and try to make money with all the parts on it, I don't have the time or energy.   I may need an xray on my back and neck.  The whole situation has left me feeling physically sick, drained and I need it done.   The lesson learnt from this  -  My conscience is 100% clear, my attitude to safety and strong sense of personal responsibility - A rated tyres even if on credit card, brake fluid flush every year, regular checks of pads and discs, bushes etc, made avoiding what I believed to be a certain broadside collision possible.   Get a dashcam (searching now for the best I can afford at the moment)  -  Research your insurance company before you buy  -  Pay for total car check before you go and see a car and take someone with you if you are not confident in your ability to assess a vehicle.      Thank you to everyone here who volunteers their time, energy and information, it is greatly appreciated.  You helped my sister with some advice a while ago but we weren't able to follow through, she is struggling with long term health conditions and I ended up in hospital for a while with myocarditis, when I got out and remembered it was too late.  I am going to make a donation now, it is not a lot, I wish I could give more, I will try to come back when things are on a more even keel.    Take care
    • It seems the solicitor has got your case listed for this “appeal” but not for the Stat Dec(SD). You need to ensure you can perform your SD on the day. If you are able to make your SD in court, the situation you are in now is more straightforward than if you made your SD via a solicitor. You have been convicted of two offences (and two were dropped) via proceedings of which you were not aware. The way to remedy that is to perform an SD. No appeal is necessary (nor is it available via the magistrates’ court). If you are able to make your SD this is how I see it panning out: You will make your SD to the court. The court must allow you to make it as it will have been made within 21 days of you discovering your convictions. You will then be asked to enter pleas to the four charges again. At this point you should plead not guilty to all four but make the court aware that you will plead guilty to the speeding charges on the condition that the FtP charges are dropped. The prosecutor will be asked whether or not this is agreed. In my opinion the overwhelming likelihood is that it will be. If it is you will be sentenced for the two speeding offences under the normal guidelines. In the unlikely event it is not accepted,  the speeding charges will be withdrawn (they have no evidence you were driving). You have no viable defence to the FtP charges and so should plead guilty. This will mean 12 points and a “totting up” ban (as you have already suffered). You can present an “Exceptional Hardship” argument to try to avoid this (explained below).   Because of this, I don’t see any need to make an argument to ask to have any ban suspended (pending an appeal to the Crown Court) unless and until you are banned again. The only reason I can think the solicitor suggested this is to secure a (Magistrates')  court date. I was surprised when you said you had an appointment so quickly; a date for an SD usually takes longer than that. However, if you can use it to your advantage, all well and good. I can’t comment on the argument that the two speeding offences were committed “on the same occasion” as I don’t have the details. That phrase is not defined anywhere and is a matter for the court to decide. It’s an interesting thought (and only that) that such an argument could equally be made for the two FtP offences. If the requests for driver’s details arrived at your old address at the same time, with the same deadline for reply, it could be argued that you failed to respond to hem both “on the same occasion” (i.e when the 28 days to respond expired) and so should only receive penalty points for one. Hopefully you won’t need to go there. I think you have information about avoiding a “totting up” ban. But here’s the magistrates’ latest guidance on "Exceptional Hardship" (EH) which they refer to: When considering whether there are grounds to reduce or avoid a totting up disqualification the court should have regard to the following: It is for the offender to prove to the civil standard of proof that such grounds exist. Other than very exceptionally, this will require evidence from the offender, and where such evidence is given, it must be sworn. Where it is asserted that hardship would be caused, the court must be satisfied that it is not merely inconvenience, or hardship, but exceptional hardship for which the court must have evidence; Almost every disqualification entails hardship for the person disqualified and their immediate family. This is part of the deterrent objective of the provisions combined with the preventative effect of the order not to drive. If a motorist continues to offend after becoming aware of the risk to their licence of further penalty points, the court can take this circumstance into account. Courts should be cautious before accepting assertions of exceptional hardship without evidence that alternatives (including alternative means of transport) for avoiding exceptional hardship are not viable; Loss of employment will be an inevitable consequence of a driving ban for many people. Evidence that loss of employment would follow from disqualification is not in itself sufficient to demonstrate exceptional hardship; whether or not it does will depend on the circumstances of the offender and the consequences of that loss of employment on the offender and/or others. I must say, I still do not understand what the solicitor means by “As a safeguard we have lodged the appeal and applied to suspend your ban pending appeal due to the time limit for being able to automatically appeal without getting leave of the Judge.” When they speak of “leave of the judge” I assume they mean they have lodged an appeal with the Crown Court. I don’t know what for or why they would do this. It seems to follow on from their explanation of the “totting up” ban. If so, I’m surprised that the Crown Court has accepted an appeal against something that has not yet happened. But as I said, i is no clear to me. Only you can decide whether to employ your solicitor to represent you in court. If it was me I would not because there is nothing he can say that you cannot say yourself. However, I am fairly knowledgeable of the process and confident I can deal with it. That said, I do have a feeling that the solicitor is somewhat “over egging the pudding” by introducing such things as appeals to the Crown Court which, in all honesty, you can deal with if they are required. I can only say that the process you will attempt to employ is by no means unusual and all court users will be familiar with it. I can also say that I have only ever heard of one instance where it was refused. In summary, it is my view that it is very unlikely that your offer to do the deal will be refused. If it is accepted, you may be able to persuade he court that the two speeding offences occurred "on the same occasion" and so should only receive one lot of points. Let me know the details (timings, places, etc) and I'll give you my opinion. Just in case your offer is refused, you should have your EH argument ready. Whether it's worth paying what will amount to many hundreds of pounds to pay someone to see this through is your call.  Let me know if I can help further.    
  • Our picks

    • 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 
      • 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

Very OT:


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We have had representatives of the banks popping in from time to time, and in the main they tend to agree with the principles of our complaint - after all, they are normal people like ourselves...mortgage, family, debt...

 

What about the shareholders - we hear in the papers about the fat cats, lapping at the cream, but what about your Joe Average shareholder, the guy with £1,000 locked up in shares. Sure, he may get £30-£50 quid in dividends, but this has to be measured against charges...

 

Come on shareholders...you have a view on these issues...what do you feel about charges?

 

See the steps I took to get my bank charges back.

Spiceskull v HSBC.

Thank you Consumer Action Group.

Read my blog.

 

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Alecto, Magaera et Tisiphone: Nemesis on Earth is come.

 

All advice and opinions given by Spiceskull are personal, and are not endorsed by Consumer Action Group or Bank Action Group. Your decisions and actions are your own, and should you be in any doubt, you are advised to seek the opinion of a qualified professional.

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Guest Alison82

I used to had shares of £2,000 with Lloyds, got about £40 twice a year, then had to cash them in as I was broke

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small shareholders make up a fraction of the total. most of the shareholdings are by pension companies (why dont people with pension schemes in each company get to vote on company policy?) and so are carried out at a totally immoral level. note its always the small shareholders who oppose big payrises and so on rather than the large investment funds. every year i vote against the renumeration of the banks i have shares in. my holdings are between 1000 and 5000 in each bank so it makes no difference at all... my brother and my parents do the same.

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I have raised this question before. If there is an AGM coming up surely any shareholder can ask a question. A nice juicy well worded question about unlawful charges could be raised. It would be even better if a media type was there too. It would be even better still if that questioner is ejected. After all every knows about the man at the Labour Party conference and all he did was say 'shame'.

Sadly I only have shares in Dominos Pizza and Shell (two good tips I should say!) but I'm sure we must have some small shareholders. Perhaps someone else can word the question and another alert the media. Do we have all the necessary contacts from within our ranks?

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I would have thought that most people here who bank with demutualised building societies still have an equity share. Does this permit them access to the AGMs?

 

See the steps I took to get my bank charges back.

Spiceskull v HSBC.

Thank you Consumer Action Group.

Read my blog.

 

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Alecto, Magaera et Tisiphone: Nemesis on Earth is come.

 

All advice and opinions given by Spiceskull are personal, and are not endorsed by Consumer Action Group or Bank Action Group. Your decisions and actions are your own, and should you be in any doubt, you are advised to seek the opinion of a qualified professional.

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I would have thought that most people here who bank with demutualised building societies still have an equity share. Does this permit them access to the AGMs?

 

Sold mine. It would get you into the AGM where you can make a nuisance of yourself.

 

I support West Ham FC and someone facilitated us being able to buy one share so we could get into the AGM and make a nuisance of ourselves (asking awkward question). You get the annual reports and a christmas card!

Abbey (Charges on 3 accounts and default on my credit record) - DPA letter sent 30/03/06 - 40 days limit is 9th May - Recieved DPA printouts 05/04/06 with microfiche "fob off" letter. <p>Barclaycard (Charges on 1 account and default on my credit record) - DPA letter sent 03/04/06 - 40 days limit is 13th May - Recieved some statements 08/04/06 along with DPA printout and a microfiche "fob off" letter. Claim for £340 sent 11/04/06

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I have been thinking over last week or so, you know the advert for nationwide bloke saying all the fees go to share holders meeting for bubbly etc;

Bur seriously if the banks are paying out on the last minuite or when bailifs go in,then do they not have a duty to the shareholders not to waste money?

If they are going to pay up anyway, then say a claim for £600 would esculate to +£80 court cost, £100 if plaintife has to fill questionare in (can't remember what it's called) when bank say they will defend +£100 aprox for baliff.That's £860 in payment for a £600 debt. Not good eye candy in a proffit sheet eh!

Just think shareholders, how much bubbly would £280 get you

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All companies legally HAVE to act in their shareholders best intersts (ie making them as much money as possible) If a company realises that breaking such and such regulation will cost the company £50,000 but that they will make £200,000 out of it then most of the time they will just go ahead and break regulation. They have teams of accountants whoses sole job is to look at this stuff. (A good example I recently heard is that legally you actually have to opt in to receive mailings/phone calls. But most UK companies just assume that you have given permission. They benefit from increased sales at currently and even though they are breaking the rules nothing is done about it)

 

At the moment the UK banking industry is making £3 Billion a year pure profit from charging people illegally so a few threats of court action is not going to impact that.

Most people are generally too lazy, too busy or too weak minded to follow through all the way and reclaim all their charges and the banks realise this - thus by dragging it out as far as the banks can maybe only 1 in 10,000 customers will file a court claim and the other 9,999 not get all (or any!) of their charges back.

This site is a great way of educating people and I think that the word is spreading on illegal charges and how to get them back. It will take a lot of hard work and determination, but the table is slowly starting to turn.

(Yes I work for a bank but am here to help! Please be nice to me! :))

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Hi

 

First post to this site, but I have lurked for a while.

 

Disrupting AGMs etc seems to be shooting ourselves in the foot. Would a better tact be for someone to pose a question to the directors that complained about the great unwashed who were reducing the payout to shareholders by having the temerity to claim back charges. And also to ask what the directors were going to do to stop this. Quoting a recent newspaper article would be even better!

 

This way we may get the directors' real views on the legality and usefulness of their actions.

 

JohnL

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Would a better tact be for someone to pose a question to the directors that complained about the great unwashed who were reducing the payout to shareholders by having the temerity to claim back charges. And also to ask what the directors were going to do to stop this.
A very good reverse tactic - and one that would certainly be unexpected...it would be very interesting to see what they say. Good call.

 

See the steps I took to get my bank charges back.

Spiceskull v HSBC.

Thank you Consumer Action Group.

Read my blog.

 

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Alecto, Magaera et Tisiphone: Nemesis on Earth is come.

 

All advice and opinions given by Spiceskull are personal, and are not endorsed by Consumer Action Group or Bank Action Group. Your decisions and actions are your own, and should you be in any doubt, you are advised to seek the opinion of a qualified professional.

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It wasn't my quote, but I think it came from a Which? report.

 

See the steps I took to get my bank charges back.

Spiceskull v HSBC.

Thank you Consumer Action Group.

Read my blog.

 

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Alecto, Magaera et Tisiphone: Nemesis on Earth is come.

 

All advice and opinions given by Spiceskull are personal, and are not endorsed by Consumer Action Group or Bank Action Group. Your decisions and actions are your own, and should you be in any doubt, you are advised to seek the opinion of a qualified professional.

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It wasn't my quote, but I think it came from a Which? report.

it's just that even in the 87 page annual results report from hbos, exact ways that profit is earned aren't detailed, so i was wondering if other banks did

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It's an estimate by Which! for the 2004-2005 financial year.

 

Last year, they estimate £4billion.

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Advice & opinions of Dave, The Bank Action Group and The Consumer Action Group are offered informally, without prejudice & without liability.

Use your own judgment. Seek advice of a qualified insured professional if you have any doubts.

 

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it's just that even in the 87 page annual results report from hbos, exact ways that profit is earned aren't detailed, so i was wondering if other banks did
I don't think the bank will put unlawfully earned money down as a figure in writing...if they did we would all be winners...

 

See the steps I took to get my bank charges back.

Spiceskull v HSBC.

Thank you Consumer Action Group.

Read my blog.

 

Collage001.gif

Alecto, Magaera et Tisiphone: Nemesis on Earth is come.

 

All advice and opinions given by Spiceskull are personal, and are not endorsed by Consumer Action Group or Bank Action Group. Your decisions and actions are your own, and should you be in any doubt, you are advised to seek the opinion of a qualified professional.

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I used to work for a bank and it always used to make me laugh when some of the staff, who had shares in the bank, would moan when the pay rises/profit share percentages were announced as they were usually very small but then pat themselves on the back when they received their dividend cheque.

 

They couldn't - or should that be refused - to see that there was a link between the two.

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  • 1 month later...

Just reading this post.. a bit behind the times but never mind.

 

I have been with the chelsea building society since i was 5. I have a share account.

 

Im sure i get invites (still addressed to my mothers) to the annual AGM. i will have to ask her. I know when i rang them about 5 years ago to ask if my account was still active i was advised to whack some extra money in my account incase they floated and then i would get a windfall.

 

I dont know how agm's work.. if i can get in could i nominate someone to go on my behalf. I havent got the temperament to stand up and ask questions with out getting into a screaming argument with people and threatening to thump someone (which in this case might get press attention but the wrong kind)

 

Gen

GEN

 

Some days you're the bug; some days you're the

windshield.

 

If carlsberg made email addresses... they'd be consumer action group email addresses... probably the best email address in the world !!!

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I havent got the temperament to stand up and ask questions with out getting into a screaming argument with people and threatening to thump someone (which in this case might get press attention but the wrong kind)

 

Do you know that is such a fantastic image!

 

I have no idea about the answer to your question but I think you should just turn up and go for it. I am a member of the Derbyshire Building Society - perhaps I should do the same.

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just looked into it a bit further.. not a share account..Yet but would be if they were floated (got confused as thats what i was told by the blokey on the phone)

 

But it looks like i could attend... just trying to find out if i can declare myself insane so someone else can go LOL

 

 

Im glad i gave you an interesting mental image :)

 

Gen

GEN

 

Some days you're the bug; some days you're the

windshield.

 

If carlsberg made email addresses... they'd be consumer action group email addresses... probably the best email address in the world !!!

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I think it was Bankfodder who suggested an alternative tack when attending an AGM. Instead of querying the charges as an angry customer, you could instead ask what the board are doing to stop all these 'lawfully applied' charges being returned to customers. After all, you are a shareholder, and the board has a legal duty to maximise your return...if the charges are lawful, why is the bank giving away YOUR money?

 

See the steps I took to get my bank charges back.

Spiceskull v HSBC.

Thank you Consumer Action Group.

Read my blog.

 

Collage001.gif

Alecto, Magaera et Tisiphone: Nemesis on Earth is come.

 

All advice and opinions given by Spiceskull are personal, and are not endorsed by Consumer Action Group or Bank Action Group. Your decisions and actions are your own, and should you be in any doubt, you are advised to seek the opinion of a qualified professional.

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I think it was Bankfodder who suggested an alternative tack when attending an AGM. Instead of querying the charges as an angry customer, you could instead ask what the board are doing to stop all these 'lawfully applied' charges being returned to customers. After all, you are a shareholder, and the board has a legal duty to maximise your return...if the charges are lawful, why is the bank giving away YOUR money?

 

Good point. I like that idea.

 

Also I remember hearing a while ago (I think Mark Thomas did it) that as long as you hold at least one share in a company you can go to their offices and request to see the contracts of all the directors.

If you found this post useful please click on the scales above.

 

Egg - £400 - Prelim sent. On hold.

Mint - On the list Est £800

GE Capital - On the list (3 accounts!) Est £4000

 

MBNA - £545 Prelim sent 13/11/2006

LBA sent 1/12/2006

£350 partial payment received 18/12/2006.

Full settlement received 20/1/07

 

NatWest - Est £4000 not incl interest

Data Protection Act Sent 10/1/07

Statements received 24/1/07

Prelim sent 3/2/07

Full Settlement received 22/2/07

 

The contents of this post are the sole opinions of The Cornflake and not necessarily the opinions of any other members of this group. They do not constitute sound legal or financial advice and if in doubt you are advised to seek advice from a qualified professional

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  • 12 years later...

This topic was closed on 03/07/19.

If you have a problem which is similar to the issues raised in this topic, then please start a new thread and you will get help and support there.

If you would like to post up some information which is relevant to this particular topic then please flag the issue up to the site team and the thread will be reopened.

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Alecto, Magaera et Tisiphone: Nemesis on Earth is come.

 

All advice and opinions given by Spiceskull are personal, and are not endorsed by Consumer Action Group or Bank Action Group. Your decisions and actions are your own, and should you be in any doubt, you are advised to seek the opinion of a qualified professional.

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