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    • See what you think of the attached. I have to do some proofreading of an English grammar book for an Italian publisher this weekend - for money! - so I'm afraid corrections and suggestions will come in dribs & drabs.  I've totally knackered the layout, the numbering and the order of your Exhibits but there will be several versions done so don't worry about that ATM. Your arguments are superb. What is less superb is the way you jump from one to the other and back again, so I haven't changed your words, but I have moved the paragraphs around and given each section a heading. New bits are shown in red. Crossed out crossed out in black is something you've quoted from the government Code of Practice, but that has since been withdrawn so unfortunately that argument has to go. Your paras 7 & 8 don't harm your case but to me are waffle and can go.  Keeping the arguments clear & concise will always impress a judge. IMPORTANT - did you ever send Simple Simon a CPR request? Defendant's WS - version 2.pdf
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    • Worth noting that all of these firms - either the alleged EIS investment, the rebate company themselves or the payee were all registered to the same address. Clavering House is 3 miles away from HMRC Benton Park view offices.   Wardrop - unfortunately unsuccessful due to late appeal - assessments opened by HMRC in March 2019. Scammed by Richard Hall (Capital allowances consultants ltd - Clavering House) investments into Cryoblast Limited 15/16 (Paul Huggins - Clavering House) and Eco Cooling solutions 16/17 (Anthony Fitches - Clavering House).    Mccuminsky - scammed by Capital Allowances after providing his details to Stefan Brown Alpha Tax Consultants (Clavering House) payment made to Eco Cooling Solutions.    Robson - scammed by Capital Allowances - 15/16 paid to Cryoblast 16/17 paid to Eco Cooling.    Myself - scammed by Allan Maxwell - MaxTax (other business Maxwell electronics) registered to Clavering House.   Cryoblast Solutions and Fast Tax - Alan O’Hara    Please note there are two Cryoblasts involved - Cryoblast limited (Paul Huggins and Clavering House) and Cryoblast Solutions Limited (Alan O’Hara also director of Fast Tax).    My return simply said “Cryoblast” another thing that should have been clarified as part of HMRC guidelines before paying out the claim.    Cryoblast limited was already suspected to be involved in fraudulent claims before my investment as Huntly had open assessments issued in November 2018.    Cryoblast Solutions, the same company director as Fast Tax where my money was sent was dissolved before my claims were submitted. 
    • On the d-day issue, * we know sunaks shameful self-interest preferring a hope at using lies for self-promotion over honoring our heroes, * we know Starmer demonstrated his statesmanship with other statesmen and women,  ** BUT where was Farage? Was he in a pub looking for self-promotion? .. Surely as a wannabe statesman - he should have spent a bit of his (someone elses?) cash attending the ceremonies? or wasn't he offered a seat near enough the front to interest him?   mind you .. "I said I wanted my county back. Well now I want my life back ... I am not a career politician... I won't be changing my mind again, I promise you" - Nigel Farage, stepping down from public life. 5 July 2016  
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    • 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.

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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.

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      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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      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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Debt_mountain vs GE Money


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Well I sent for the SAR, got the info ok. Then sent the prelim asking for my money back and they sent a quick reply saying sorry you are not happy, we think it is fair charges but as a guesture of goodwill here is your money.

 

that was easy....quick... are they learning that paying at this stage is cheaper. I have missed out on the interest!!!:mad:

 

I have conditionally accepted this for 2 reasons. 1- they have credited it to my closed account and 2 they must remove the default against me as this was a direct cause of the default in the first place.

 

LBA was sent along with my conditional acceptance, they have 10 days.

If I have helped click my scales....

 

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Hi Dept Mnt.

I'm a bit confused have they refunded your charges ?:confused:

Why have you sent an LBA if they have agreed to settle?:confused:

 

AL;)

-------------------------

CAPITAL ONE * SETTLED*31st Oct 06

HBOS *SETTLED* 8th Oct 06

WOOLWICH *SETTLED*12thJan2007

Monument (Barclays) *SETTLED*10thMar2007

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Guest ian cognito

Hmmmm interesting don't blame you about payment into account or default, were these storecard charges, not much use in the account are they?

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e28bigalbexley

 

I was sending them a letter asking for the payment in a cheque but also this was the first time I was going to ask for the default removal, I did not have that in my prelim.

 

Don't want to wait for a reply from them saying "no" to the condition I set about the default removal, which is very likely what they will say and then start the 10 day LBA step.

 

Just keeping the timelimit as short as possible.

 

Just have to see what they do now.

If I have helped click my scales....

 

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If it gets as far as Court dont forget to list removal of the default in the 'details of claim' section.

 

Al

-------------------------

CAPITAL ONE * SETTLED*31st Oct 06

HBOS *SETTLED* 8th Oct 06

WOOLWICH *SETTLED*12thJan2007

Monument (Barclays) *SETTLED*10thMar2007

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I am intending claiming back charges from /nationwide, Natwest bank, G.E.Money and Barclaycard and i am seeking advice. I have recieved accounts from Nationwide going back 6 years, what address to i go through to begon claim, i have also received accounts from Barclaycard going back about 3 years.

Re. Natwest i sent a cheque for £5 for my statements which has been cashed but as yet no statements have arrived again do you know who at Natwest do i deal with is it the branch or head offive.

I hope this makes sense as i am not very computer literate with all the jargon and shortcuts so if i am a bit long winded i apologose......thanks tony47

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Guest ian cognito

Tony start your own threads in the relevant forums and then people will be able to answer your questions.

 

The bank forums are at the bottom of the forums homepage.

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Well the cheque has now been sent but still not going to remove the default.

 

MCOL will be issued when my LBA timelimit is up and I will be going for close to £2000 in damages due them not removing my CRA info .

 

Grounds for the MCOL are

1 - Cank charges were unlawful and made up the amount that was defaulted

2 - My contract has ended thefore their right to share also ended.

3 - If is causing me and my family distress and financial hardship (damages)

 

By the time my LBA timeline is up I will have an indication of how my Cabot damages claim is going and it will help me progress GE.......

If I have helped click my scales....

 

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  • 3 weeks later...

Defence due in by Wednesday next week but on the way home got a call from GE solicitors wanting to talk about settlingout of court. He is calling me back on Friday pm to discuss my claim.

 

Excellent

If I have helped click my scales....

 

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  • 3 weeks later...
  • 5 weeks later...
Settled out of court but can't discuss the details as I have a non-disclosure agreement. Sufficient to say both parties are happy.

 

:D :D :D :D :D :D

 

Hi Debt Mountain, by god you are making some progress - well done. I hadn't seen this thread until now. Your mountain seems to be shrinking and I take my hat off to you. Can't wait to see what you are going to do to Cabot .

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