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Parcel delivery insurance is prohibited under section 57 – Consumer Rights Act – Read about It Here and in The Times. ×


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    • BankFodder
      EVRI have lost parcel £300 model kit

      By BankFodder · Posted

      Have we seen your court bundle?   If we haven't then it's probably an idea to post it up here especially the index page and the witness statement so we can see if there is anything which might need adding or changing 
    • T911
      G24 anpr PCN - Double Dipping - Wigan Robin Retail Park

      By T911 · Posted

      "Care to briefly tell someone who isn't tech savvy - i.e. me! - how you did this?" Its pretty simple although not obvious. You open the google maps app > click your profile picture > Click Timeline from the list > click today > choose the date you want to see the timeline from. Then you'll see your timeline for that day. Often, places you have visited will have a question mark beside them where google wants you confirm you have actually visited. You either click 'yes' if you have, or you click 'edit' to enter the actual place you visited. Sometimes, you'll see 'Missing visit' This probably happens if your internet connection has dropped out at that time. You simply click 'Add visit' and enter the place. The internet on my crappy phone often loses connection so I have to do that alot.   OK dx, understood mate. 
    • Strider713
      EVRI have lost parcel £300 model kit

      By Strider713 · Posted

      I have now been given a court date vs Evri, 4th Sept 2024. I have completed my court bundle, when am I expected to send copies to the court and Evri and should it be in hard copy or electronic? The Notice of Allocation states that no later than 7 days before the directions hearing both parties must send to the other party their final offers to settle. Does this mean I will have to tell Evri what I'm willing to settle? Rgds, J
    • LilMissM
      Can I get a Cifas marker removed?

      By LilMissM · Posted

      Ok how about this to the CEO? I know it sounds super desperate but lets call a spade a spade here, I am super desperate: Dear Sir, On 29th November 2023 I took out a loan of £5000 with you. Unfortunately very early into 2024 I found myself in financial difficulty (unexpected bills and two episodes of sickness and the tax office getting my tax code wrong resulting in less pay for two months) and I contacted you (MCB) on 13th February 2024 asking if there was any way I could extend the length of my loan to 36 months. I fully explained why I was requesting this and asked for your help. I did not receive a reply to that email so I again contacted you on 7th March 2024 to advise you of a change in my circumstances which resulted in me having to take out a DMP and asking you to confirm that the direct debit had been cancelled. You would have also received confirmation of this DMP from StepChange but you did not acknowledge receipt of my email. I have only managed to make one payment from my loan but did try and contact MCB to discuss extending my loan, help etc.  I have now therefore fallen behind on several of my debts, yours included, and as a result you have lodged a Cifas marker against my name for "evasion of payment", which has resulted in me having to change banks, which has been an extremely difficult process because of the Cifas marker. I do not feel you have been fair or given me the opportunity to fully explain my situation to you before you lodged the marker against my name. I appreciate it is a business and you have acted accordingly, but I did try to make contact to arrange alternative arrangements and at no point, not even to this day, did I ever intend to not repay my loan. I cannot stress to you enough how much this has affected my mental health. I am having trouble sleeping and my existing health condition has been exacerbated by all of this. What I would like you to do is to please, please remove the Cifas marker and let me make arrangements to pay the loan back through a DMP.  Please sir, I am begging for your help here. I am not a dishonest person and I have never been in a situation like this before. I am desperately trying to make things right but this marker is killing me. Please can you help me? I look forward to hearing from you. Yours faithfully,
    • LilMissM
      Can I get a Cifas marker removed?

      By LilMissM · Posted

      Sorry  Noted x

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    • Post in Suing a parcel delivery company when you don't have a direct contract with them – third-party rights Copy of judgment available

      BankFodder posted a post in a topic,

      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.

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      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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Parcel delivery insurance is prohibited under section 57 – Consumer Rights Act – Read about It Here and in The Times.

Mortgage, CreditAgricole ,BirminghamMidshires, Halifa x, HBOS, CurtisSolicitors

TideTurner

By TideTurner
in Mortgages and Secured Loans

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because no one has posted on it for the last 5582 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

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Start your own new thread

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

 

Thanks

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TideTurner

TideTurner

Posted
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Posted
Why don't you have a word with one of these Tide http://www.sra.org.uk/documents/solicitors/cpd/find-cpd-providers/costs.pdf one of them will tell you how to deal with it...just don't pick the one you are fighting against - actually, maybe you should and use it in evidence against them ! :D

He, he, he, looks like more fun to be had here. I feel an investigation coming on.

 

Bona, these are being assessed and have tripled since the last hearing. They are claiming 24 hours just to look at one document!!!

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jody123

jody123

Posted
Posted

Hi Tide,

 

Unfortunately the Law Society would not be interested in your complaints - even though they would be well founded!

 

Had a quick word with my relly who says it would need to be "a very substantial document" to warrant 24 hours worth or work on it.... you only recourse is through the courts and asking the court to assess what is reasonable.

 

Did they get awarded costs then?

 

Jody

Jody123

Please note I have no legal training - the information I have has been gleaned from too many hours on this site! :-)

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TideTurner

TideTurner

Posted
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Posted

Hi Jo, I have mailed you

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jody123

jody123

Posted
Posted

Hi Tide,

 

I've responded. Thanks. I believe that once you have a barrister on board and have proven your case on the other points then your costs will be a lot more than theirs. And don't forget that you have your hourly rate to charge too for all the work that you have done up to this point....what's your hourly rate - £250.00?

 

Jody

Jody123

Please note I have no legal training - the information I have has been gleaned from too many hours on this site! :-)

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TideTurner

TideTurner

Posted
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Posted

Hi Jo,

 

They cannot claim for any costs prior to litigation, nor can I. I can claim for other losses, wages, travel etc but these are limited and are at the discretion of the Court.

 

The position with respect to claiming interest has not been clarified, simple or compound, nor has any time limit for claiming interest been identified.

 

Does anybody have any more knowledge in this area?

 

Tide

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New to BAG? - Read This First ; List of Banks ; Interest Calculations ; Library Templates

Communications Act (2003) ; Consumer Credit Act (2006) ; Data Protection Act (1998) ; Limitation Act (1980) ; Sale and Supply of Goods Act (1994) ; Supply of Goods and Services Act (1982) ; Unfair Contract Terms Act (1977) ; Unfair Terms in Consumer Contracts Regulations (1999)

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jody123

jody123

Posted
Posted

Hey Tide,

 

As far as I can tell you can still claim interest and damages if the action was brought within six years of the sale - i.e. the point that the underselling occurred. Or the point that you were aware how much it was undersold by (i.e. when they sent you a completion statement?) It would only be statute barred after six years:

 

Statute of Limitations:

 

20 (5) Subject to subsections (6) and (7) below, no action to recover arrears of interest payable in respect of any sum of money secured by a mortgage or other charge or payable in respect of proceeds of the sale of land, or to recover damages in respect of such arrears shall be brought after the expiration of six years from the date on which the interest became due.

 

(6) Where--

 

(a) a prior mortgagee or other incumbrancer has been in possession of the property charged; and

 

(b) an action is brought within one year of the discontinuance of that possession by the subsequent incumbrancer; the subsequent incumbrancer may recover by that action all the arrears of interest which fell due during the period of possession by the prior incumbrancer or damages in respect of those arrears, notwithstanding that the period exceeded six years.

 

 

Anyone else want to comment?

 

Jody

Jody123

Please note I have no legal training - the information I have has been gleaned from too many hours on this site! :-)

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TideTurner

TideTurner

Posted
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Posted (edited)

Sir James Crosby, deputy chairman of the Financial Services Authority and formerly the chief executive of HBOS, the troubled mortgage provider, was commissioned by the Treasury to look at options for improving the mortgage-backed securities (MBS) market, which imploded last year at the onset of the credit crisis.

 

Who said the FSA is independent?

Edited by TideTurner

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Communications Act (2003) ; Consumer Credit Act (2006) ; Data Protection Act (1998) ; Limitation Act (1980) ; Sale and Supply of Goods Act (1994) ; Supply of Goods and Services Act (1982) ; Unfair Contract Terms Act (1977) ; Unfair Terms in Consumer Contracts Regulations (1999)

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Bona

Bona

Posted
Posted

Ok with regard to costs

at the end of the case the Judge will make an order for costs to be assessed if not agreed they will have to give you a breakdown of the costs and oh boy it will be enlightning GMACs ran to about 80 pages

you are then give a period of time to list the disputed items and why and put how much you for example We had our hearing in the High Court in London the Solictor maintained that he had to travell to London for the hearing £800.00 we said No you didnt you had a Barrister an agent from your London firm could have done it we won there were lots of other points we contested we got £23,000 off the costs

a third. Interest is only applied from the date the court order for costs to be assessed is made Im not sure exactly where you are at with the costs but I hope that helps we had 3 days of cost hearing over several months

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TideTurner

TideTurner

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Just to clarify something further up the thread, Mortgage Indemnity Guarantee (MIG) is the same as Higher Lending Charge, as HLC is the term that was introduced by the FSA to cover varying terms in the industry. Since October 2004, it has had to be called HLC.

SAYNOTO0870.COM - Non-Geographical Alternative Telephone Numbers

New to BAG? - Read This First ; List of Banks ; Interest Calculations ; Library Templates

Communications Act (2003) ; Consumer Credit Act (2006) ; Data Protection Act (1998) ; Limitation Act (1980) ; Sale and Supply of Goods Act (1994) ; Supply of Goods and Services Act (1982) ; Unfair Contract Terms Act (1977) ; Unfair Terms in Consumer Contracts Regulations (1999)

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TideTurner

TideTurner

Posted
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Posted

LSC Website : CLS news

 

Emergency legal aid schemes for people facing repossession of their homes are to be set up in 20 more county courts with still more court schemes in the pipeline.

There are already LSC-funded schemes covering 94 courts around the country.

 

Don't know how much help this would give somebody, but says a bit about the shape of things to come!

SAYNOTO0870.COM - Non-Geographical Alternative Telephone Numbers

New to BAG? - Read This First ; List of Banks ; Interest Calculations ; Library Templates

Communications Act (2003) ; Consumer Credit Act (2006) ; Data Protection Act (1998) ; Limitation Act (1980) ; Sale and Supply of Goods Act (1994) ; Supply of Goods and Services Act (1982) ; Unfair Contract Terms Act (1977) ; Unfair Terms in Consumer Contracts Regulations (1999)

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jody123

jody123

Posted
Posted

HI Tide,

 

just wondered where you were at with your case? Are you able to provide an update?

 

Jody

Jody123

Please note I have no legal training - the information I have has been gleaned from too many hours on this site! :-)

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jansus

jansus

Posted
Posted

Hi Tide Turner are you there?

 

there is a poster on possessions forum that could do with your expertise.

 

And how are you doing?

 

Jan

Please note I am not an expert - I am not offering opinions or legal help - Please use all the information provided on the site in FAQ- step by step instructions and library- thanks Jansus:)

http://www.consumeractiongroup.co.uk/forum/images/icons/icon1.gif

offer from A&L 24/8/07 - after case stayed

 

"What makes the desert beautiful is that somewhere it hides a well." - Antione de Saint Exupery

 

 

PROUD TO BE AN ORANGE

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upto the eyeballs

upto the eyeballs

Posted
Posted

Subscribing,

Lowell Financial (Monument) No CCA - File Closed ** WON**:D

1st Credit (Citi Financial) No CCA - Credit Report Marked 'Satisfied' ** WON **:D

American Express No CCA - Pending

RBS Mint No CCA - Pending

CL Finance (Morgan Stanley) No CCA - In Court:eek:

HSBC - No CCA - In Court:eek:

Link Financial (MBNA) No CCA - Pending

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TideTurner

TideTurner

Posted
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Posted
Hi Tide Turner

 

Where have you gone... I could really do with your help/advice....... although reading your thread has already opened my eyes to alot........

 

Thanks for that bit........

 

Sorry I've had a temporary mis-placement (or a couple of them). Do you have a link to your thread?

 

PS Hi to all my friends, update and contact to follow shortly

SAYNOTO0870.COM - Non-Geographical Alternative Telephone Numbers

New to BAG? - Read This First ; List of Banks ; Interest Calculations ; Library Templates

Communications Act (2003) ; Consumer Credit Act (2006) ; Data Protection Act (1998) ; Limitation Act (1980) ; Sale and Supply of Goods Act (1994) ; Supply of Goods and Services Act (1982) ; Unfair Contract Terms Act (1977) ; Unfair Terms in Consumer Contracts Regulations (1999)

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jansus

jansus

Posted
Posted

Hi glad to see you back.

 

How is everything going with you?

 

Jan

Please note I am not an expert - I am not offering opinions or legal help - Please use all the information provided on the site in FAQ- step by step instructions and library- thanks Jansus:)

http://www.consumeractiongroup.co.uk/forum/images/icons/icon1.gif

offer from A&L 24/8/07 - after case stayed

 

"What makes the desert beautiful is that somewhere it hides a well." - Antione de Saint Exupery

 

 

PROUD TO BE AN ORANGE

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