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    • wouldn't be at all surprised - only chance he has to avoid an imminent brutus moment
    • Apparently some journalists have heard that Sunak may call an election next weekend or in the week following the bank holiday Monday. With the election to be held at the end of June. Rishi Sunak could call snap general election | Politics | News | Express.co.uk WWW.EXPRESS.CO.UK Here's why the Prime Minister could announce a general election soon  
    • Found a BMA article related to this subject which I think the OP will find helpful. Patients recording consultations WWW.BMA.ORG.UK Our guidance answers if patients can record doctors without permission or covertly, how to respond when a patient asks to record their appointment and what to do if a covert recording is posted online.  
    • Ah - that was another thread that got merged back in 2018   That 'split' doesnt refer to this legal matter  
    • Thanks dx for your kind words. I plan to renew my season ticket and write a new begging letter as following, can I ask for any suggestion about it?   Dear Investigator/Prosecutor,   Thank you for your reply. I deeply regret my actions and the inconvenience they have caused.   I’m extremely remorseful for my crime. and regret it everyday. I often ask myself ‘’how can I do that thing just because I felt it is interesting. There are a lot of crimes in the world, but feeling it’s interesting is certainly not a reason to crime. I should not crime with any reason.’’ I think about these things every day, and I understand that I can’t blame anyone but myself.   I thanks to the staff who stopped me, as this is a valuable lesson in my life. I told myself that I should never ever repeat such a thing again, and never ever do anything which is possible to be in breach of any law. As a result, I carefully tap my oyster card every time before I enter the station now. I remind myself that I did a wrong thing before, and I should never let it happen again.   Although my monthly travel expenses do not warrant a season ticket, but I just renew my season ticket (please see the attachment). I understand that a crime cannot be truly compensated for, but purchasing a season ticket offers me a small measure of comfort, knowing that my actions caused a loss to the public interest.   I received an email which ask me to negotiate being class teacher in this summer (please see the attachment). I hope that I could teach the lovely students again, which may not be allowed with a criminal record. I would please ask that you would please provide me a single opportunity to settle all outstanding sums owed outside of court without the need for legal proceedings which would have a determinantal impact on my teaching career.   I sincerely apologise again for my crime. If you need anything further from me to help you please let me know.    Yours sincerely,
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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.

      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.

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      Many thanks 
      • 81 replies
    • Housing Association property flooding. https://www.consumeractiongroup.co.uk/topic/438641-housing-association-property-flooding/&do=findComment&comment=5124299
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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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Phil and Alison v The Co-op ***WON***


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Hey Phil,

 

I sent my SAR to Co-op and MBNA a day before you, so we should be on roughly the same track.

 

Stay in touch and we will kick some ass together!!

 

Did you send via recorded delivery?

 

Also, is your MBNA account a Credit Card account? I have two, one with MBNA directly and one with Virgin (MBNA) and have 10k with them... I'm a bit worried that they might close my acconts and demand instant payment of the balance!!!

 

 

Feel free to PM me if you want! Cheers! :)

~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~

Co-op bank - won March 07

Virgin Credit Card - won - March 07

MBNA Credit Card - won March 07

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I have been told that in theory they can close your credit card account down and demand instant payment (7 days I believe). Nobody on here has given me anythign solid to go on, but according to different sources, you can take action as it is classed at a 'retaliatory' act. It is dodgey ground and I must admit to being somewhat concerned myself. I looked on the FSA website, but the info was a bit vague (once I had found it!) I think you would have a case, but there is no certantly and I haven't heard of anyone gettign to that stage on this forum

 

As for co-op; my SAR arrived yesterday (according to Royal Mail) so I am awaiting either a phone call, letter of the info I have requested after 30 odd days.

 

I am opening a parachute account over the weekend or early next week. This shouldn't be an issue as I have a fairly ok credit record (until MBNA close my credit account and take me to court that is) heheheh....... :eek:

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Co-op bank - won March 07

Virgin Credit Card - won - March 07

MBNA Credit Card - won March 07

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It seams weird that nobody on this forum has anything to say about the closure of accounts and the trouble that could follow....

 

It really does appear to be a gray area, but one in which, it appears, is becoming more an dmore commonplace.....

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Co-op bank - won March 07

Virgin Credit Card - won - March 07

MBNA Credit Card - won March 07

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So, they can close any account within reason, however, not for an inproper reason, such as... "unfair bias or unlawful discrimination. And it is an implied term of the contract between the firm and its customer that the firm will not normally close the customer’s account without giving reasonable notice."

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Co-op bank - won March 07

Virgin Credit Card - won - March 07

MBNA Credit Card - won March 07

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Hi, I am trying to not hijack Phil's thread (soz Phil), but I have looked at that section and opening a parachute accout is relavant, if it is a 'Bank account', however, if it is a Credit card account and you have a 10k balance, then things become a little more complex, Particularly if your credit rating isn't as good as it was. I guess the same would apply to those who huge overdrafts and they are unable to tranfer them to another account.

 

This is the only area that really concerns me, but I will forge ahead nevertheless.

~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~

Co-op bank - won March 07

Virgin Credit Card - won - March 07

MBNA Credit Card - won March 07

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I'm looking at over £800 in the last 14 months, so looking forward to claiming for 6 years!

 

As for the Credit cards, I sent the normal SAR letter, but changed the 'bank' bits to read 'credit card account' instead.

~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~

Co-op bank - won March 07

Virgin Credit Card - won - March 07

MBNA Credit Card - won March 07

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That is my feeling, I just don't want bad thigns on my credit rating as it has always been quite good. Hey-ho!

~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~

Co-op bank - won March 07

Virgin Credit Card - won - March 07

MBNA Credit Card - won March 07

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HI Phil,

 

I got mine yesterday, so they seem to be sticking to their schedule! It should be 40 days from the receipt of MY (and your) letter. I'm not gonna get too picky at this point as it is a matter of days, but then again I gues we want them to know we mean business.... I might send them a letter correcting them and givign them XX number of days as outlined in MY letter :)

~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~

Co-op bank - won March 07

Virgin Credit Card - won - March 07

MBNA Credit Card - won March 07

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I guess they haven't 'not complied' yet, just giving themselves an extra couple of days.

 

I guess we could jsut write them a letter saying something like...

Thank you for acknowledging my request, however, I must re-itterate that the 40 days allowed for supplying me with this information commenced on the day you received my original request. According to the Royal mail, this was on XX/XX/2006, therfore, I can confirm that you have until XX/XX/2006 to supply me with the data I have requested...

 

blah blah blah...

~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~

Co-op bank - won March 07

Virgin Credit Card - won - March 07

MBNA Credit Card - won March 07

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I just read that back and it sounds crap, but you get the idea :)

~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~

Co-op bank - won March 07

Virgin Credit Card - won - March 07

MBNA Credit Card - won March 07

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how about this:

 

The Co-operative Bank p.l.c.

P.O. Box 101,

1 Balloon Street

Manchester

M60 4EP

02/11/2006

 

Data Protection Act 1998

Subject Access Request

Dear Derek

 

 

ACCOUNT NUMBER: XXXXX XXXXXXX

Your Ref: XX/XX xxx-xx-xx

 

Thank you for the swift acknowledgment of my Subject Access Request. I look forward to receiving the information from you shortly.

I must point out at this stage that the commencement of the 40 days allowed for you to respond actually starts upon receipt of my letter which, according to the Royal Mail’s tracking service was delivered to you on XX/XX/2006.

I can, therefore, confirm that all information must be received by me no later than XX/XX/2006.

Thank you in advance for your cooperation in this matter.

Yours faithfully,

~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~

Co-op bank - won March 07

Virgin Credit Card - won - March 07

MBNA Credit Card - won March 07

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Pleasure. I am gonna post mine tomorrow! Push my scales button if I helped you as I want some more green squares - KUDOS and all that :)

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Co-op bank - won March 07

Virgin Credit Card - won - March 07

MBNA Credit Card - won March 07

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  • 1 month later...

so, that's me, you and Dylans mum all got ours on the same day!

 

Let's kick some uncooperative butt!!

~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~

Co-op bank - won March 07

Virgin Credit Card - won - March 07

MBNA Credit Card - won March 07

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