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    • read the above again carefully and respond as directed. its all you will have to do then the situation is almost guaranteed to be rolled back to as if you'd only just received paperwork, regardless to them not receiving your completed NIP. dx
    • Theclaw 123. As you will have realised by the above query from Honeybee, your post contained an important error that totally changed the meaning of what you were saying. It is important that when dealing with legal/government matters, that you check and recheck, what you are writing. I have noticed that errors have appeared in your previous posts, be they typo's or missed words, so I would again urge you to check what you are typing before submitting. When writing something of true import, I find it best to compose in a Word document so as to be able to correct, add or delete as necessary, before 'copy and pasting' into the relevant box/form. I can understand that you are under pressure, stress, due to current personal situations, so it is even more important to pause, take time to check and allow your brain to regather its thoughts when composing important replies; as the person on the other end of the communication is not interested in your personal situation, just what you are writing in relation to the offences disclosed.
    • 1. yes 2.no 3. your call and keep reading up here on like threads you'll soon get the idea. dx  
    • Hi all, I sent a copy of the court bundle to the 2 email addresses provided by JK and followed the instructions to change the hyphenated é to a normal e in the email address. This has worked as I have not received an undeliverable email saying that the email does not exist. As per my previous posts, a copy of the court bundle has also been sent by post to the court and to Evri.
    • Thank you. bankfodder The car was purchased unseen, yes. It was from another branch of Arnold Clark in Glasgow and I purchased it from their Nottingham branch. The first time I saw the car in person was on handover. It came with an MOT, carried out by Arnold Clark in Glasgow on 18th March this year. I'm just travelling so will add some photos later on this evening.
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    • 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
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Barclays repeat reclaim

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I was successful in 2006 in reclaiming charges - bank dropped out day before court proceedings. The charging however went on merrily as before and in 2009 I was successful in claiming back a further £2500 as a hardship case. Well, the charging has gone on just as merrily as before, and as I am on a low income, live alone in London, I have accrued about £1500 again in charges and am thinking of trying again. I am caught up in a trap of high charges which means more payments refused therefore more charges. Tomorrow I will be charged £128.00 from the previous month and by the time I have paid into my account to get back within my overdraft a D debit will have been rejected. It is a nightmare. I have debts now and a tax bill looming and want to know if it will be worth attempting again as a case of real hardship. The bank will NEVER allow me to have a temporary overdraft - they give me no flexibility. I feel I am penalised because I am self employed and have a low but very erratic income which means money is simply just not there when needed. I have tried to build up a cushion of savings to enable me to manage this but it has proved impossible and I just keep getting charged more.

Any suggestions?

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I would suggest getting a parachute bank account

have salary paid into that and offer an affordable

repayment to the other account.

Any Letters I Draft are N0T approved by CAG and no personal liability is accepted.

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I was in this situation 2 years ago. Between us my partner and I had 4 bank accounts with HSBC, including a business account for my partners Ltd company. We used to get charged around ??? 600 a month? Including going OD when bank charges were added. We begged and pleaded with HSBC...... nothing they could do. Saw the light one day, opened a bank account with Santander. We both bank with them now and have never looked back. Granted my partner folded his business and got a job but we still struggle to repay debts from that time (including all the bank charges). We also only have things on Direct debit that HAVE to be, like house insurance ect. Not even our mortgage is on DD - I am also now self employed, I make money but if people pay late ect. i don't want things bouncing. Also Santander are very keen on bouncing things if the money isnt there the day before, unlike HSBC who give you until 14.00 to get your cash in. meaning we have HAD to take more care of our money. Good luck

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