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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 
      • 81 replies
    • 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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Mini Credit - Stressing me out!


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I'm going through the same situation as everyone else here and really have no idea what to do.

 

I've entered in to a Debt Management program this month and I'm already having serious issues with MiniCredit. I was due to pay back just over £400 a couple of days ago and this balance has already been increased to nearly £600. They say they will refuse to accept any third party involvement i.e Debt Management company (ClearDebt) and nor will they allow any repayment plan to be set up. The lady on the phone stated that the system is automated and will not allow any repayment plan to be setup manually.

 

I am allowed however to make token payments myself (not via the Debt Management company) on the website. I clearly will not be doing this because they'll have my new bank details and will clear me out. She said that after 3 months is up then they will start legal proceedings through their legal team at Fredericks. Fredericks will NOT accept any repayment plan and will instead take me to court.

 

I offered £100 a month for the next 6 months (so they make £200 extra) but this was flatly refused. To be honest though if I was to make that payment it would leave me with not enough money for food.

 

 

Shall I simply refer them to my DM company? At this rate I can see my £400 debt being raised to well over £2000 during that period.

 

 

Surely they can not legally make me pay that full amount?

 

Should I just continue making my payments to the DM each month and when they take me to court, simply go and defend myself. The court will be able to see all my monthly payslips, bank statements and debt to other creditors. They will see that everyone is getting paid on a pro-rata basis and they will also see that I'm simply unable to pay the debt back in any larger amounts.

 

 

So to summarise;

 

[1] Should I maintain that all communications need to be done through my DM company?

 

[2] They say they will refuse all payments from ClearDebt. Should I remove them from my DM plan and send my own token payments?

 

[3] Any advice on how to proceed would be greatly appreciated!

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Hi all,

 

Just letting you guys know that after reading around the forums and hearing back from sillygirl1, that I've decided to continue to make payments to all of my creditors (including MiniCredit) worked out on a pro-rata basis. I'm going to continue building up document evidence showing that I'm always trying my best to arrange the repayment of the loan so that we can avoid wasting the courts time.

 

I suppose for now there is no point in stressing about anything. All I can do is continue making the payments through my DMP and continue communicating with Mini Credit.

 

I'll post back here if I run in to any difficulty :)

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  • 2 weeks later...

Hi greyplonk,

 

I too am in a similar case with Minicredit, original £400 loan, yet under circumstances was unable to pay, I eventually went with TMG (The Money Group) with a DMP, and they have told me Minicredit do not play ball at all . They refuse to work with DMP's. TMG have said they are continuing to make monthly payments to Minicredit, so that if it goes to court, The Judge can see I am paying them back. Apparently Minicredit will pass debts onto Fredericks after some time, however Fredericks are eaier to deal with and will work with Debt Management Companies to set up plans etc.

Hopefully your sorted now, but for peace of mind, I can hardly see a court going in favour of a company who refuses to help or listen and yet bullies people into paying up.

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I know what all you mean, minicredit are not a friendly bunch to talk to.

I am also in the same situation but at the moment I am battling with them I like a good fight. I have sent an email with a payment plan arrangment, lets see if they accept as now

I have gone to a dmc. They have told me that they are a hard company to please so they have advised me to make some sort of agreement. No doubt they may mention about court proceedings if they do then I will tell them that it is a wast of time because i am on a dmp the judge most likely will rule in my payment offer. oh mini credit has blocked my account so I cant log in. Besides all that I have read other posts in regards to minicredit and they are not good. I want to see thier ccl revoked so I am thinking about setting up a petition to sent to the OFT to get them shut down once and for all. If anyone has any ideas on what to put in the petition I would me most greatful Thanks

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HI

mini credit are awful people to deal with,so if you do manage to get a petition up and running i will sign it for sure i have reported mini credit to OFT and am awaiting their response

 

nic73

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  • 2 weeks later...

A few people have signed my petition with good comments but more are needed to close them down. Anyone who reads this if you have had any bad experience with mini credit or any company that is associated with them please sign the petition and help us close them down. Thank you all that has already signed

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Anyone having problems with payday lenders please contact MP Stella Creasey - her office are after stories to pass to the press and I have spoken at length with them myself, but as I am not actively experiencing a problem they can't use my past experience, contact her office on 02085211223 - tell them I've passed the details on courtesy of Will...

 

It seems the net is closing on the idiots - also have a read of the following article to show how idiotic they can be

 

http://www.credittoday.co.uk/article/12167/online-news/government-urged-to-share-data

 

Methinks they will use this 'data' to milk the poor punter even more and make their lives extremely difficult at an already difficult time.

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