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    • Reform more or less said it's what they will be campaigning about but they don't expect to be implementing the plans. Dan Neidle thinks the cost is about double the amount of Truss's plans and the IFS think the figures are out by £10s of billions.
    • Rather like farage .. Reform UK plans ‘don’t add up’ and costings are out ‘by tens of billions of pounds per year’, says IFS – UK general election live | General election 2024 | The Guardian WWW.THEGUARDIAN.COM As Nigel Farage launches party’s manifesto, Institute for Fiscal Studies says ‘the package as a whole is problematic’   "Reform UK has published its manifesto. They plan tax cuts which they say will cost £70bn; however our analysis shows that they’ve miscalculated, and the actual cost will be at least £93bn. Reform UK says it will fund these tax costs with £70bn of savings and additional revenue, but it provides few details. Their proposal to change Bank of England reserve rules is over-stated by at least £15bn, and the cost would likely fall on businesses and consumers, not banks. These two factors mean that Reform UK’s plans have a total unfunded cost of at least £38bn – about twice the unfunded cost of Liz Truss’ ill-fated 2022 “mini-budget”.
    • The finance company has a 50% stake (legal Owner) in the deal so I would certainly involve them. As for the outstanding £3635 bill thats owing to Mercedes in Croydon I wouldn't be in a rush to settle that just yet and keep it in abeyance as leverage.  Where are you at with Doves in Horsham ?
    • or go really bold ... Further to my request for a copy of the agreement you refer to on ( date) I made a section 78 request pursuant to the Credit Consumer Act 1974 to which you have yet to reply or respond. Pursuant to the Credit Consumer act 1974 section 78 (6) If the creditor under an agreement fails to comply with subsection (1)— (a) he is not entitled, while the default continues, to enforce the agreement.
    • Pers I'd stop paying the lot and get each defaulted by a dn issuance.  Defaults can't hurt future renting no Only ccj's Can't keep saying the same answers.    Dx        
  • Our picks

    • If you are buying a used car – you need to read this survival guide.
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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.

      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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Car Accident - Settlement offer


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Hi,I was involved in an RTA in Feb 2010.I'm looking for some guidance as I have received a third settlement offer. The If the impact of the injuries sustained remain as they are know, I feel the offer is a little low but fair.What I am worried about are the intangibles. I am curretly discussing with my doctor whether reducing my working hours from 5 days per week to 3-4 days per week would help with my pain management and quality of life outside of work.I appreciate their is a 3 year limit on claims in order to pursue recourse via the courts. Is it possible to receive an offer that is not full and final?I want to cover myself for the future impact on my life of anything that can be linked directly to the injuries received from the car accident.Liability has already been admitted so litigation is not required, merely agreement on the amount and terms of the settlement.Thanks in advance,bwerd

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I believe that you can apply to the court for ongoing issues, by providing medical evidence of a condition being ongoing. Take advice from someone legally qualified to deal with such issues. Someone I know in this position, was legally represented and they managed to get agreement on ongoing issues/costs. It would up to the court (judge) to decide on this.

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Hi,I was involved in an RTA in Feb 2010.I'm looking for some guidance as I have received a third settlement offer. The If the impact of the injuries sustained remain as they are know, I feel the offer is a little low but fair.What I am worried about are the intangibles. I am curretly discussing with my doctor whether reducing my working hours from 5 days per week to 3-4 days per week would help with my pain management and quality of life outside of work.I appreciate their is a 3 year limit on claims in order to pursue recourse via the courts. Is it possible to receive an offer that is not full and final?I want to cover myself for the future impact on my life of anything that can be linked directly to the injuries received from the car accident.Liability has already been admitted so litigation is not required, merely agreement on the amount and terms of the settlement.Thanks in advance,bwerd

 

 

 

Hi,

 

What is the prognosis in your medico legal experts report?

 

The length of the prognosis will determine the level of compensation you receive.

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Hi,The reports suggested there may be some improvement over the six month period from the date of the examination.6 months have passed & my injuries have not improved. I have some intermittent neck pain, pins & needles down my arms into my hands, pins and needles down my leg, pain in lower lumbar spine, left buttock pain when sitting down and constant pain in left ankle.I am still working full time but I am seriously considering whether I can cope any longer as I have no quality of life outside of work due to tiredness, pain and having to use leisure time to recuperate.My leisure activities are curtailed, e.g., hill walking, golf, snooker etc.If I could exchange the compensation to go back to where I was before the accident, I would do so in a heart beat. Thanksbwerd

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You might have heard of something called Provisional Damages, however, this will not be applicable in your case. As yor recovery is not in line with the prognosis you will need a re-examination. This will include a(nother) review of your mdical records and it will not be quick (a few months at least).

 

With regads to limitation you have 3 years to issue proceedings, but have another 4 months to serve these.

Abbey - owed £3260 - Paid up.

 

Barclays owed £2500 - Paid up.

 

Halifax, Mint & Egg - next on the hit list

 

Dont click on the scales - I'm quite proud of my little red dot! - As the little red dot has gone - click away!!!!

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Thanks for the advice.I was not aware of provisional damages. From what you say, I will not get any coverage for detoriation? I'm worried about coverage for having to reduce working hours and / or stop working completely.At the moment, I am plodding on but there are days and sometimes weeks where I wonder if I can keep going for much longer.I will refer back to solicitor for futher examination/s as I feel they are incomplete.The legal assessment was poor and missed a number of issues that I had highlighted at the examination.ThanksDrew

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They are saying Orthopaedic exam in March 12 and Physio report from Nov-11 is sufficient.Othropaedice exam failed to include basic information (e.g. wrong medication). Did not disclose slight limp in left leg etc. I asked for this to be amended but the litigation manager simply noted my comments. These comments are not being considered by counsel when deciding if offer is fair.Physio report suggested potential for further improvement. That has not taken place.

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