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    • love the extra £1000 charge for confidentialy there BF   Also OP even if they don't offer OOC it doesn't mean your claim isn't good. I had 3 against EVRi that were heard over the last 3 weeks. They sent me emails asking me to discontinue as I wouldn't win. Went infront of a judge and won all 3.    Just remember the law is on your side. The judges will be aware of this.   Where you can its important to try to point out at the hearing the specific part of the contract they breached. I found this was very helpful and the Judge made reference to it when they gave their judgements and it seemed this was pretty important as once you have identified a specific breach the matter turns straight to liability. From there its a case of pointing out the unlawfullness of their insurance and then that should be it.
    • I know dx and thanks again for yours and others help. I was 99.999% certain last payment was over six years ago if not longer.  👍
    • Paragraph 23 – "standard industry practice" – put this in bold type. They are stupid to rely on this and we might as well carry on emphasising how stupid they are. I wonder why they could even have begun to think some kind of compelling argument – "the other boys do it so I do it as well…" Same with paragraph 26   Paragraph 45 – The Defendants have so far been unable to produce any judgements at any level which disagree with the three judgements…  …court, but I would respectfully request…   Just the few amendments above – and I think it's fine. I think you should stick to the format that you are using. This has been used lots of times and has even been applauded by judges for being meticulous and clear. You aren't a professional. Nobody is expecting professional standards and although it's important that you understand exactly what you are doing – you don't really want to come over to the judge that you have done this kind of thing before. As a litigant in person you get a certain licence/leeway from judges and that is helpful to you – especially if you are facing a professional advocate. The way this is laid out is far clearer than the mess that you will get from EVRi. Quite frankly they undermine their own credibility by trying to say that they should win simply because it is "standard industry practice". It wouldn't at all surprise me if EVRi make you a last moment offer of the entire value of your claim partly to avoid judgement and also partly to avoid the embarrassment of having this kind of rubbish exposed in court. If they do happen to do that, then you should make sure that they pay everything. If they suddenly make you an out-of-court offer and this means that they are worried that they are going to lose and so you must make sure that you get every penny – interest, costs – everything you claimed. Finally, if they do make you an out-of-court offer they will try to sign you up to a confidentiality agreement. The answer to that is absolutely – No. It's not part of the claim and if they want to settle then they settle the claim as it stands and don't try add anything on. If they want confidentiality then that will cost an extra £1000. If they don't like it then they can go do the other thing. Once you have made the amendments suggested above – it should be the final version. court,. I don't think we are going to make any more changes. Your next job good to make sure that you are completely familiar with it all. That you understand the arguments. Have you made a court familiarisation visit?
    • just type no need to keep hitting quote... as has already been said, they use their own criteria. if a person is not stated as linked to you on your file then no cant hurt you. not all creditors use every CRA provider, there are only 3 main credit file providers mind, the rest are just 3rd party data sharers. if you already have revolving credit on your file there is no need to apply for anything just 'because' you need to show you can handle money. if you have bank account(s) and a mortgage which you are servicing (paying) then nothing more can improve your score, despite what these 'scam' sites claiml  its all a CON!!  
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      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.  

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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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unsecured loans..jumped in too quick i thk!! HELP


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HI decided today to consolidate all my debts approx 2grand with a bit extra with a company with i had to pay 45 up front, i did this as the loan seemed to be reasonable repayments 105 per month!! bit confused how does this work do i recieve a cheque in post or will they pay into bank account. never though to ask this, but it is a reputable company think it was first on my google search! if i repay on time every month are there any hidden charges? appreciate all comments as i also jump b4 thinking things over 1st!! :|

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Hi and welcome to CAG

 

Can you name the company pleaseas it is unusual to pay an up front fee

If you are asked to deal with any matter via private message, PLEASE report it.

Everything I say is opinion only. If you are unsure on any comment made, you should see a qualified solicitor

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I cannot find a company with the second name you provided

The .net company is a broker

If you are asked to deal with any matter via private message, PLEASE report it.

Everything I say is opinion only. If you are unsure on any comment made, you should see a qualified solicitor

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am i tied to this now? i agreed to terms and conditions on line but nothing is set in sstone since they dont have my bank details etc just name and address etc, they tried to flog me a payday loan which i said NO to as have heard they are bad yet afterward got an email to log into valour loans to set up a payday loan

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if u type loans for people with bad credit it will be the 1st to show in the list. oh plz tell me i havent made a big mistake?

Doesn't quite work that way. I will send you a private message with the link to the site I have seen then you can confirm (or not)on this thread

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yes this is the one i had to log into to agree to terms and conditions after they rang me to talk me through details, said i was approved with repayment of 105.85 a month would forward email which i had to log in and read the terms and conditions then agree to them!! plz tell me i havent made a major mistake?

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They are a broker and as such don't offer loans, merely pass your details on to loan providers

They are part of the best 4 loans group with these details

 

 

0624230 Licence Status:Current

Current Applicant / Licensee:

 

Business NameCompany Registration Number Best 4 Loans Limited6034440

 

Categories:

 

Credit brokerage Provision of credit information services, excluding credit repair

 

Right To Canvass Off Trade Premises:No

 

 

Trading Name(s) (Current):

 

Best4loans.co.uk Best4loans.com Unsecuredloancompany.net Unsecured-loan-company.net Valourloans.co.uk Walker and Hammond Whloan.co.uk

 

Issued Date: 16-Jan-2009

Date Maintenance Payment Due: 15-Jan-2014

 

 

Legal Formation:

 

Body Corporate (incorporated inside UK)

 

Current Individuals that run the organisation:

 

NamePosition Mark Anthony Bowker

 

Nature of Business:

 

Other

 

Current Address(es):

 

Address TypeAddress CorrespondenceDale House, 3rd Floor, Tiviot Dale, Stockport, Cheshire, SK1 1TA, England Principal Place Of BusinessDale House, 3rd Floor, Tiviot Dale, Stockport, Cheshire, SK1 1TA, England

From reading the terms and conditions, you have signed up for a subscription of up 26 weeks while they try to get you a loan. I have a funny feeling no loan is in place at this moment in time.

I would be reading the T's&C's very closely, especially the cancellation terms

If you are asked to deal with any matter via private message, PLEASE report it.

Everything I say is opinion only. If you are unsure on any comment made, you should see a qualified solicitor

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funny the more i tried to look into these things i got the feeling they working on behalf of companies, so basically in a nut shell i stand to loose only my fee at the moment i havent signed up for any loans? i can cancel up to 14 days to get my fee back minus 5 pounds of it. which would u opt for? and have you any suggestions bar saving. i know bank will not give me one have already tried them. so grateful for your help and thank u. x jill

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I cannot speak for what you should do but if I were in the same position, I would run for the hills. Brokers cannot guarantee a loan.

 

Have you checked out whether you have any credit unions in your area. They may be able to help

If you are asked to deal with any matter via private message, PLEASE report it.

Everything I say is opinion only. If you are unsure on any comment made, you should see a qualified solicitor

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so since its a broker whichever loan company signs me up i dont have to accept the offer then? i can walk away and just face fact ive lost the broker fee? am i right? u have to be saving with cred union for several weeks though i thk i will if ive got away with this and accept my losses.

why would u run for the hills? if u dont mind me asking, i had hoped to pay 26 a week into a separate account for this loan then lift it out week its due and place in right account for loan to be taken. have read a few scary ones bout these loans and i hope i have went through all the right channels and dont get caught like others did

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Hi my sister paid £50 up front for a loan but didn't get it all they want is your £50 you never really get a loan but they make a massive amount out of people like my sister and you keep away from all loan sharks who want money to process a loan they are not real, it's very easy to get caught up in this, best of luck anyway

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Hi my sister paid £50 up front for a loan but didn't get it all they want is your £50 you never really get a loan but they make a massive amount out of people like my sister and you keep away from all loan sharks who want money to process a loan they are not real, it's very easy to get caught up in this, best of luck anyway

 

hi thanks for that info dolly, have decided to withdraw it, it does say i have 14 days to request a refund on the 45 i paid although they will keep 5 pounds of it!! think i will try saving for a few months with the credit union and go for a loan with them!! im so silly jumping in without really thinkn this tru!! thx jill

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