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    • A local business has been parking on an off-street parking space in front of my garages (in a side street).  I wasn't using them for a while so didnt bother to do anything.  But now a second local business is also using the osp - taking it in turns with the 1st biz.  This has started to nark me.    The employees choose to drive to work.  There is no private parking in their business's street.  But there are some underground secure garages in their street - which cost apx £2.4k/y to rent - which works out apx £6.60/d. (I believe one of the biz owners already rent one for storage purposes).  If the employee had to park on a meter it would cost them £6.60/h - £66 for 10h and have to move every 4h.  They just don't want to pay for parking. I haven't confronted either of them.  Instead I just put 2 clear "no parking" signs in front of the garages. And a note on one of the cars specifically saying that as they don't live or rent in the street and it's private land could they stop parking.   They ignored that.  And just put notes on their dash with a # to call if one needs the car moved.  Theres a sign and they've been told in writing to stop parking. And they are just ignoring it.    I don't what a confrontation.   I don't want to go to the expense of bollards (other than maybe traffic plastic ones - but they'll probs just move them).  Council won't do zilch cos it's private land. And police won't get involved - unless I clamp/ tow the cars and then they'd be after me, not the drivers!   What's the best thing to do?
    • yes might be the best idea. you'd only at best get 8% flat interest and that unusual on a GOGW if this was what it was. simply contact the FOS and let them know its resolved. dx  
    • If you’ve ever wondered how you might fare in armed combat, the first 20 minutes of Steven Spielberg’s Saving Private Ryan is likely to make you thank your lucky stars you were born too late to storm the Normandy beaches on June 6 1944. I suspect many of us might be driven to identify with those men who were absolutely turned to stone by fear. And yet these young men, mainly conscripts, screwed their courage to the sticking point and did the job the fate had chosen for them, heroes all.   .. UK PM Sunak perhaps thinks he understands mind numbing fear better than many as he dishonorably fled the beachhead to do nothing more than double down on dishonest spin and lies from the safety of a UK studio .. The Normandy heroes who not only held their positions, but advanced through hell to a victory that changed the entire course of history .. undoubtedly hold a different perspective.     from a perspective in TheConversation     .. 'That was the slot that sunaks team offered for the interview
    • Yes, send a message to the purchaser but keep it very friendly and simply that you noticed that the package has now been delivered.  I suggest that you ask them if they want to keep the package still or if they would rather return it and that if they want to keep it then please will they return your payment to you to your PayPal address. Keep it as polite and friendly as possible and then we will decide what to do if he doesn't reply or refuses.  Meanwhile I will have a look at Google earth and see if you are able to spot the gas meter outside the house to get an idea if the delivery is real. Get a screenshot
    • Santander have sent their final response and have agreed that they were in the wrong. They will be refunding me the amount I am due and £50 for the delay.  Just the interest factor would be more than double the £50 that they are offering. Thinking to just close this and move on. Is this what you would do?  Opened a FOS case on the 1st of June but haven't heard back yet. 
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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.

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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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Cap1 & CCA return


tamadus
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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.

 

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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.

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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.

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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

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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

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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!

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