Jump to content


  • Tweets

  • Posts

    • Eight in ten voters support blocking bonuses for polluting water firm bosses INEWS.CO.UK Polling for i exposes level of public anger over sewage dumping  
    • Wow thats incredible. Thank you so much
    • If the purchaser denies having received it then sue P2G. If you simply don't hear anything more from the purchaser then you have the purchaser's name and address – and frankly for £48 I would go ahead and sue. As long as you have good proof of delivery then your chances of success are probably better than 95% and frankly the purchaser would probably put their hands up as they would effectively be being sued for the civil equivalent of theft. I wouldn't let it go if I were you. It would be a good exercise for you and gives you confidence the next time something comes up which is may be much more valuable
    • Thank you again Emmzzi for your insight. Not only did I do the work, but as a maths tutor delivering financial literacy workshops under the Govt Multiply project, the college were paid £400 for each student I recruited, which makes it an even bigger kick in the teeth! I spoke to Citizens Advice Bureau on Friday who advised me to go back to ACAS for advice and assistance, as ACAS are the experts in employment matters. They did also mention small claims court, as being more straightforward and less complex, but surely their solicitor would just contest this and I would lose the £80 court fee? If I did submit a claim through the small claims court, would I just leave the employment tribunal running until the outcome? The deadline for me to submit my schedule of loss is tomorrow, so I will submit today so that they cannot hold me in breach.
    • Ive just checked the tracking again and its actually out for delivery today! Anyway,  I refunded the buyer on Ebay off my own back on the 2nd of June they havent opened a case or anything like that so surely i cant take action against either the buyer or P2G/ Evri can i ? Id hope the buyer would see fit and pay but you know what people are like these days ... Once its delivered I'll send him a polite message asking for payment but i suspect there'll be no reply      
  • Recommended Topics

  • 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
  • Recommended Topics

Cap1 & CCA return


tamadus
style="text-align: center;">  

Thread Locked

because no one has posted on it for the last 4978 days.

If you need to add something to this thread then

 

Please click the "Report " link

 

at the bottom of one of the posts.

 

If you want to post a new story then

Please

Start your own new thread

That way you will attract more attention to your story and get more visitors and more help 

 

Thanks

Recommended Posts

  • Replies 17.3k
  • Created
  • Last Reply

Top Posters In This Topic

Top Posters In This Topic

Posted Images

I've heard about this - went to a presentation on it. The difficulty I had was with the assertion that the bank doesn't lend its own cash. After all if the bank is charging interest on money it isn't lending then it makes a handsome profit - so then it has money of its own - how can they prove the bank hasn't used that money?

You may receive different advice to your query as people have different experiences and opinions. Please use your own judgement in deciding whose advice to take.

 

If in doubt seek advice from a qualified insured professional. Any advice I have offered you is done so on an informal basis, without prejudice or liability.

 

If you think I have been helpful PLEASE click the scales

 

court bundles for dummies

Link to post
Share on other sites

Banks by law can lend 5 times its own assets or money in trust from depositers.

 

Banks can therefore bring into existence "money" which doesnt otherwise exist. The money lent is merely pieces of paper representing 0s and 1s on the BoE computer, themselves representing the nation's money supply and the record of money in circulation.

 

Dont forget that notes and coins have no value in themselves, its what they represent that matters, and they represent a promise by the BoE to pay the holder the value of the note, on demand, backed up by the insane belief that money is actually worth anything at all!

 

Money works only because we all pretend that it means something.

 

The only thing of value is the labour that people do to earn it.

 

In return, *they* pretend to pay us, we pretend that the pieces of paper they give us is equal in value of our labour, and the people we give the pieces of paper to, in exchange for goods and services pretend that the pieces of paper we give them is equal in value to those goods and services.

 

Its like the emperor's new clothes, everything works until someone says:

 

"The Emperor is starkers!!"

 

Then everything starts to unravel.

 

This is what happened when the Roman Empire collapsed and everyone went back to bartering, because everyone stopped pretending that the small round pieces of metal with the ex-Emperor's head on them were recognised for what they were - just small, round pieces of metal with the head of the ex-Emperor of an ex-Empire on them.

 

The only coins that were worth anything, were those made of metal with an intrinsic value and then only because of their intrinsic, perceived value, not because of what they represented.

Link to post
Share on other sites

Banks by law can lend 5 times its own assets or money in trust from depositers.

 

 

Banks can actually lend over 9 times deposits under the Fractional Reserve banking. They only have to keep 10% of all money on deposit in cash. The rest is sent to the BoE to be held on deposit. Banks cannot lend out depositors money. Money, as you quite rightly say, is created out of thin air, it has no existence.

 

Nobody has ever got a letyter saying they cannoyt have their money because we have lent it out for a £100K mortgage.

They used to years ago but law says they now cannot., although I beleive merchant banks can and still do.

Link to post
Share on other sites

Which law?

You may receive different advice to your query as people have different experiences and opinions. Please use your own judgement in deciding whose advice to take.

 

If in doubt seek advice from a qualified insured professional. Any advice I have offered you is done so on an informal basis, without prejudice or liability.

 

If you think I have been helpful PLEASE click the scales

 

court bundles for dummies

Link to post
Share on other sites

I have had a reply from Midlands Today regarding the story they ran.

 

See here for the details.

 

Tried to link to the thread elsewhere but forgot that the CAG admin were so petty and it doesn't work. You wouldn't think we were all working to the same ends would you...real shame.

 

link doesn't work for me

Link to post
Share on other sites

Doesnt work.

 

I got this:

 

http://*consumer*credit*support*.co.uk/showpost.php?p=38890&postcount=22

 

 

In my email inbox.

 

Takes me to counsumer credit support, but says i cant use it.

 

What is this- it appears to be a secret CAG club with more moderators than members.

 

Most users online ever- 41!

Link to post
Share on other sites

style="text-align: center;">  

Thread Locked

because no one has posted on it for the last 4978 days.

If you need to add something to this thread then

 

Please click the "Report " link

 

at the bottom of one of the posts.

 

If you want to post a new story then

Please

Start your own new thread

That way you will attract more attention to your story and get more visitors and more help 

 

Thanks

Guest
This topic is now closed to further replies.
  • Recently Browsing   0 Caggers

    • No registered users viewing this page.

  • Have we helped you ...?


×
×
  • Create New...