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    • You left the PCN number showing, but no worries, I've redacted it. Euro Car parks are very well known to us.  I've just skimmed through the titles of the latest 100 cases we have with them (I gave up after 100) and, despite all their bluster and threats, in not one have they taken the Cagger to court. You stayed there for 2 hours &:45 minutes.  I'm guessing the limit is 2 hours and 30 minutes, right?  
    • If the claimant fails to draft directions the court can order a Case Management Hearing to set them but normally in Fast Track claims the claimant sets the directions...Unlike small claims track which are always set the court.
    • Not Evris offer, the court offers mediation service.   All claims proceed to hearing if mediation fails /not happen.   Why do you not wish to attend in person to stand your claim ?     Absolutely you must comply with the courts directions or your claim risks being struck out. Preparation for a hearing should happen irrespective of mediation.   https://www.consumeractiongroup.co.uk/topic/460613-suing-a-parcel-delivery-company-when-you-dont-have-a-direct-contract-with-them-–-third-party-rights-copy-of-judgment-available/#comment-5255007   Andy  
    • LPA.  (I'm fighting insolvency due to all the stuff that he and lender have done).  He appointed estate agents - (changed several times). Disclosure shows he was originally appointed for a specific reason (3m after repo) : using his powers as acting for leaseholder to serve notice on freeholders (to grab fh).  There was interest from 3 potential buyers. He chose one whose offer depended on a positive result of the notice.  Disc also shows he'd taken counsel advice - which was 'he'd fail'.  He'd simultaneously asked to resign as his job (of serving notice) was done and he'd found a buyer.  Lender asked him to stay on to assign notice to the buyer.  Notice failed, buyer didn't buy.  So receiver stayed.  There was 1 buyer who wanted to proceed w/o fh but receiver/ lender wasted 1y trying to get rid of them!  Disc shows why. But I didn't know why at the time. In later months Lender voiced getting rid of receiver. Various reasons - including cost.  But there's a contradiction/ irony: as I've seen an email (of 4y ago) which shows the receiver telling lender not to incur significant costs and to minimize receiver costs.    Yet lender then asked him to serve another notice - again counsel advice indicated 'he'd fail'.  And he did fail.  But wasted 3y trying and incurred huge legal costs - lender trying to pass on to me. Lender interfered - said wanted to do works.  Receiver should have said no.  But disc. shows he agreed to step aside to let them do the works - on proviso lender would discuss potential costs first (they didn't), works wouldn't take long (took 15m), and lender would hold interest (they didn't) (this last point is crucial for me now - as I need to know if I can argue that all interest beyond this point shouldnt be allowed?)   I need to check receiver witness statement in litigation with freeholders to see exactly what he said about 'his position'. But I remember it being along the lines of - 'if the works increased the value of the property he didn't have a problem'.  Lender/ receiver real problems started at this point. The cost of works and 4y passage of time has meant there is no real increase in value. Lender (or receiver) didn't get any permissions (statutory or fh) (and didn't tell me) and just bulldozed the property to an empty shell.  The freeholders served notice on me as leaseholder for breach of covenants (strict no alterations).  The Lender stepped in (acting for me) to issue notice for relief of forfeiture - not the receiver.  That wasted 2y of litigation (3y if inc the works) and incurred huge costs (both sides).  Lender's aim was to do the works that every potential buyer balked at due to the lease restrictions.  Lender and receiver knew couldn't do works w/o fh permission. Lender did them anyway; receiver allowed.  Receiver remained appointed.  I'm arguing lender interfered in receiver duties.  Receiver should have just sold property 4-5y ago w/o allowing any works.  Almost 3y since works finished the property remains unsold (>5y from repo). The property looks brand new - but it was great before.  The lender spent a ton of money - hoping that would facilitate a quick sale.  But the money they spent and the years they have wasted has meant they had to increase sale price.  It's now completely overpriced.  And - of course - the same issues that put buyers off (before works) still exist.   The receiver has tried for 2y to assert the works increased value. But he is relying on agents estimates - which have proved highly speculative. (Usual trick of an agent to give a high value to get the business - and then tell seller to reduce when no-one buys.). And of course lender continues to accrue interest (despite 4y ago receiver saying pause interest). Lender tried to persuade receiver to use specific agent. Disc shows this agent was best friends with the lender's main investor in the property.  Before works this agent had valued it low.  After works this agent suggested a value 70% higher!  The lender persuaded receiver to sack one agent and instead use this agent.  No offers. (Price way too high).   Research has uncovered that this main investor has since died.  I guess his investment is part of probate? And his family want it back?    Disc shows the sacked agent had actually received a high offer 1y ago.  Receiver rejected it.  (thus I don't know if the buyer would have ever proceeded). He was relying on the high speculative valuation the agents had given him to pitch for the business. The agents were in a catch-22.  The receiver sacked them. Disc shows there has been 0 interest ever since (inc via new agent requested by lender). I don't think lender or receiver want all this to come out in public domain via a trial.  It will ruin their reputations. If I can't get an order for sale with lender - can I apply separately against receiver?
    • Ok many thanks. Just wanted to check that nothing else for us to do / send for the moment. Will update again once we receive a copy of their N181 and proposed directions for review. Our post is a bit hit and miss at the moment. Appreciate the help through this process.
  • 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
        • Like

Cash4phones - creditors meeting - 13th Jan Please retweet - https://cag.tw/tf7


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Hi guys How can I contact the liquidator and get a debt form I want to register as a creditor

 

Send an email to [email protected] asking for a form. As they've evidently completely full of male cow droppings, I wouldn't even bother any more.

 

Their assets are apparently £1200 worth of phones... 750 phones? Who managed to come up with that valuation? If two of those are my two then they are worth at least £180 on various other sites still so I don't get how they can say 750 of them are worth 1200 quid. Which phones do they have? A bunch of Nokia 5110 all worth less than £2 each? I doubt it. They're iPhones, my Note, other smart phones etc. Even my 4 year old phone is still worth at the very least £30 unless I bother selling on eBay where it'll get more than double that. Wish I had pawned them off on eBay now...

 

Director can't speak English but can comment in English on facebook...

 

Global market prices dropped, my arse. If they can't sell the thing on, send it back to the customer. It's not like they bought it from customers - they had free stock coming in, then "couldn't" sell them. Give them back then? I don't know, just seems somewhat obvious to me.

 

There's this question of how they have a huge loan to repay to another company, run by friends/ex directors or whatever it was.

 

Money laundering, fraud; liars. I've given up hoping for anything financial relating to my own phones and even given up expecting the UK law to do anything about it at all. If anything, it shows us just how easy it is to be a con artist and how little the Police, Insolvency, Action Fraud or anyone can and will do about it.

 

The only change for me is knowing now, as I already thought I did know, that you MUST Google EVERY site you have any financial dealings with, even and especially when things do seem like they're legit. To make things better my new phone was dropped by my kid yesterday so the screen's died. Don't have my old phones to just throw the SIM card in either, so I'm completely phoneless for the sec. Wonderful.

 

kk, rant over :p

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Their assets are apparently £1200 worth of phones... 750 phones? Who managed to come up with that valuation? If two of those are my two then they are worth at least £180 on various other sites still so I don't get how they can say 750 of them are worth 1200 quid. Which phones do they have? A bunch of Nokia 5110 all worth less than £2 each? I doubt it. They're iPhones, my Note, other smart phones etc. Even my 4 year old phone is still worth at the very least £30 unless I bother selling on eBay where it'll get more than double that. Wish I had pawned them off on eBay now...

 

Director can't speak English but can comment in English on facebook...

 

Global market prices dropped, my arse. If they can't sell the thing on, send it back to the customer. It's not like they bought it from customers - they had free stock coming in, then "couldn't" sell them. Give them back then? I don't know, just seems somewhat obvious to me.

 

There's this question of how they have a huge loan to repay to another company, run by friends/ex directors or whatever it was.

 

Money laundering, fraud; liars. I've given up hoping for anything financial relating to my own phones and even given up expecting the UK law to do anything about it at all. If anything, it shows us just how easy it is to be a con artist and how little the Police, Insolvency, Action Fraud or anyone can and will do about it.

 

The only change for me is knowing now, as I already thought I did know, that you MUST Google EVERY site you have any financial dealings with, even and especially when things do seem like they're legit. To make things better my new phone was dropped by my kid yesterday so the screen's died. Don't have my old phones to just throw the SIM card in either, so I'm completely phoneless for the sec. Wonderful.

 

kk, rant over :p

 

the fact that they have our phones and have not returned them surely means its theft and a criminal offence?? not sure about small print but there wasn't anything that suggested i entered into any contract with them that they haven't breached in regards to sending my phone and them paying out???

 

must be a way to nail them, even if i don't see my 180 quid or phone again i'd be happy to see them in prison!! the uk public are too often victims of these frauds as we're too trusting and accommodating.

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I think that we had better point out that there is no evidence of money-laundering or of criminality. However the circumstances, the behaviour of the directors, the lack of transparency certainly are the kinds of factors which might make many people consider these as possibilities. We are certainly are aware that certain investigations are in progress - so that clearly there are others who are very concerned by what has gone on.

 

Of course if we could locate Henchoz and Deepesh Tank as well as Vasant Kara - and if they were prepared to tell everyone the whole story then one might understand that there is some other explanation.

Also if Nearchos had decided to give a proper explanation - which he could easily have chosen to do - that also would have been reassuring.

 

If there are suspicions then these people have brought them upon themselves by their behaviour. No one should be surprised

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exactly, its not confirmed but very suspicious behaviour, considering this goes right back to when watchdog highlighted them on their show and no doubt before then, it seems more than just bad business management and bad luck that have created this situation, it "appears" a conscious attempt to mislead and con people until evidence is found to prove either way its still "suspicion only"

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Hi Bankfodder

 

Exactly, if these guys come forward and explain what's happened then customers can form a clear opinion on facts rather then speculate as to what has happened. In the absence of them coming forward customers are entitled to have strong suspicions about why they have no phone, no money.

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I have just received a email with the teport of the creditors meeting attached, i am so not happy about this whole situation as the dates and addresses and company names are not consistent, firstly they claimed that they moved registered offices to the Paddington address on 25/10/13 so why then did they sign for my phones at the Ringway address in December? And as for their financial information who in their right mind pays a junior administrator £40 per hour, this whole situation has got my blood boiling as its not the fact that they owe me £202 its the principal behind it, i have also taken out a CCJ which was obviously a waste of £25 :mad2:

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OK well here's how I see the current situation: There was no attempt by the insolvancy practitioner or liquidator to contact creditors before the meeting was called. To my mind that makes the initial creditors meeting flawed. We were unable to come up with the requisite 3 creditors at such short notice willing to sit con a creditors committee to oversee the liquidators investigations.

 

I have written to and asked the liquidator a number of questions so far and not yet had a response, therefore I am not confident this will be properly investigated by them. I would love to leave them to it but to what end? It seems to me the only option we have is to press for the chance to form a committee - if we are allowed to who else would be prepared to assist?

 

Forgot to mention that Radio 5 live may be doing a piece on Sunday morning, although I have no confirmation of this.

 

Edit:Sorry just heard they will not have time to feature this weekend, however depending on how this progresses might happen next weekend instead.

Edited by Apriumben
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I think that it you notice any shortcomings in the procedure employed so far by CB then they should be informed that if these flaws are not remedied, that you will write to Trading Standards and also to their professional association

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Hi guys, I've had a email from the liquidator too!!

 

How much money is he charging them!! £7500

Seriously!!

 

Anyhow there's a bit the end you can fill in so we can let the liquidator know what he had been up too, if some one could write down everything for me I'll be happy and I'll happy to be part of a comittiee

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Hi guys, I've had a email from the liquidator too!!

 

How much money is he charging them!! £7500

Seriously!!

 

Anyhow there's a bit the end you can fill in so we can let the liquidator know what he had been up too, if some one could write down everything for me I'll be happy and I'll happy to be part of a comittiee

 

Can you possibly post the content of your email on here? I would like to know what they are saying to other creditors as I have had no advice on the meeting myself.

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Can you possibly post the content of your email on here? I would like to know what they are saying to other creditors as I have had no advice on the meeting myself.

 

Please be advised that that the company trading as cash4phones entered in to liquidation on the 13 January 2014 and I was appointed liquidator of the company by the shareholders and creditors. Please find enclosed the report on the meeting of creditors held on 13 January 2014.

 

It is my duty as Liquidator to investigate the actions/conduct of the directors and to make a report to the Secretary of State. The Secretary of State will then decide whether they have sufficient evidence to be able to issue proceedings under the Company Directors Disqualification Act.

 

I have invited all creditors of the company to provide me with any information they have on the conduct of the directors and I would ask you to provide to me any evidence you have on the directors conduct, alternatively you may provide all of your evidence directly to the Secretary of State.

 

My report is confidential to ensure that any litigation is not adversely affected should the Secretary of State decide to issue proceedings.

 

I would ask that you provide my name and address to any individuals who wish to make a claim in the liquidation or who wish to provide evidence in respect of the conduct of the director.

 

 

Yours sincerely

 

 

Mansoor Mubarik

 

From [email protected]

 

Had this PDF attached: https://dl.dropboxusercontent.com/u/1404231/Yemonia%20Limited%20Letter%20to%20Creditors%20Post%20Sec%2098%20Meeting.pdf

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Just emailed you the full report

Actually, you emailed it to me - but I have forwarded it on.

Thanks very much.

 

Who is the lucky boy who is buying p the remaining stock of phones without any scrutiny or questions asked? Sale price circa £1200 - estimated realisable value - £5000. Nice.

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a good point was raised on another forum (there's plenty of fires burning on this subject around the internet!)

 

If we aren't likely to get phones back, we can assume its theft? and as a result we should (if we have the details) contact providers and have the IMEA blocked so that the phone can no longer be connected to a mobile network.

 

what do you guys think?

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I've got the box for my S3 somewhere so should have the number too, i feel that if i can't use it why should anyone else.

 

that'll rather reduce their 1700 quid estimate of the value of their assets to roundabout zero....

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Both of mine have been blocked by O2. I dug out the IMEI of one but the other I had no clue. The person at O2 managed to dig it out for me based on the phone model and a time frame that I gave.

 

So even if you don't know your IMEI, the phone company does. Try ringing them anyway to see if you can brick what is technically still your own phone.

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maybe some important news here, just had these mail back from capital books.

 

 

"Please be advised that that the company trading as cash4phones entered in to liquidation on the 13 January 2014 and I was appointed liquidator of the company by the shareholders and creditors.

 

Find enclosed the report on the meeting of creditors held on 13 January 2014.

 

It is my duty as Liquidator to investigate the actions/conduct of the directors and to make a report to the Secretary of State. The Secretary of State will then decide whether they have sufficient evidence to be able to issue proceedings under the Company Directors Disqualification Act.

 

I have invited all creditors of the company to provide me with any information they have on the conduct of the directors and I would ask you to provide to me any evidence you have on the directors conduct, alternatively you may provide all of your evidence directly to the Secretary of State.

 

My report is confidential to ensure that any litigation is not adversely affected should the Secretary of State decide to issue proceedings.

 

I would ask that you provide my name and address to any individuals who wish to make a claim in the liquidation or who wish to provide evidence in respect of the conduct of the director.

 

Yours sincerely

 

Mansoor Mubarik."

 

looks like if enough of us reply with details they may take things further?

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If the phone's still sitting in a warehouse waiting to be sold, then trying to deactivate it using IMEI seems like a good shout and it will reduce their asset value...but personally I'd feel bad if it had already been sold to a poor kid in India, and then I got it switched off. I might be alone on that one!

In other news, I've been contacted by another IP who says it's too late to get an alternative IP to CB assigned but he will ensure that CB do their job or he'll have them struck off...and he knows that MM has had prior business dealings with this shower, so odds of him doing his job properly are slim.

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I just spoke to Mandoor (Liquidator) and asked if there is no dividend to pay any class of creditors then what is going to happen to all the mobile phone that they have stolen?

 

Mandoor stated that as the liquidator he has to file a report within 6 months to the security of state and it will be up to the security of state to establish whether it is a civil or criminal act. They have had 800 complaints and he feels we have a strong public case. He encourages people to get in touch with him to fill the creditors forms or complaint letters of their mobile phones being stolen as the chairperson has not declared the mobile phones. He also mentioned that he will be investigating it and that this company could receive up to 300 a day!

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