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

      BankFodder posted a topic in Vehicle retailers and manufacturers,

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

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    • Big Motoring World Enfield /Blackhorse - done over on car - @BigMotoringWrld

      ATJ posted a topic in Vehicle retailers and manufacturers,

      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 
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      BankFodder

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    • A2Dominion - Housing Association property flooding - damning ombudsman report

      WanTToMoveOn posted a topic in Residential and Commercial lettings/Freehold issues,

      Housing Association property flooding. https://www.consumeractiongroup.co.uk/topic/438641-housing-association-property-flooding/&do=findComment&comment=5124299
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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.

      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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      BankFodder

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

Pen vs Lloyds TSB **TOTALLY & UTTERLY WON!**

Pen

By Pen
in LloydsTsb Successes

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photoman

photoman

Posted
Posted

Thanks Pen

 

Just occurred to me, after all you've been through...... and you've stil only got one green blob !!!

 

So i tried to rep you, but the cagbots refused(I must have done so recently)?

 

Time I think for other followers of this thread to up your rep , so get clicking away !!:D

 

PM

All opinions and advice I offer are purely my own, and are offered without any liability. If unsure seek the help of a licensed professional

...just because something's in print doesn't mean its true.... just look at you Banks T&C's for example !

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Pen

Pen

Posted
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:D not to worry!! I have plenty around my waist, whats a blob or 2 between friends:D :D

 

thanks for the clicks everyone!!

:x if i have been off any help to you please click my scales

 

cases won

28th July Single Claim for bank charges against LTSB, £6,800 WON with CI to date of Judgement

 

18th July Joint Claime against LTSB £7,800 WON with CI to date of Judgement.

 

 

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Pen

Pen

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Gary. In the POC should I include that the bank have refunded chargers from xxxx to xxxx

:x if i have been off any help to you please click my scales

 

cases won

28th July Single Claim for bank charges against LTSB, £6,800 WON with CI to date of Judgement

 

18th July Joint Claime against LTSB £7,800 WON with CI to date of Judgement.

 

 

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GaryH

GaryH

Posted
Posted

No, I don't think you need to to be honest.

Please remember to DONATE! Help CAG keep up the fight!

 

 

Any advice or opinion is offered informally & without liability. Use your own judgment and if in doubt seek advice of a qualified and insured professional.

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Pen

Pen

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no, don't want to scare them lol

:x if i have been off any help to you please click my scales

 

cases won

28th July Single Claim for bank charges against LTSB, £6,800 WON with CI to date of Judgement

 

18th July Joint Claime against LTSB £7,800 WON with CI to date of Judgement.

 

 

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Pen

Pen

Posted
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Posted

hi Gary, Sue is in deparate need of help

 

Darling1 has been locked out of the site and cannot log on, also she can not email admin because her password is not being excepted., she was able to email me and ask for help (lucky me ):) I don't know who to contact to get her back on line.:D :D :D

 

Thanks Gary

:x if i have been off any help to you please click my scales

 

cases won

28th July Single Claim for bank charges against LTSB, £6,800 WON with CI to date of Judgement

 

18th July Joint Claime against LTSB £7,800 WON with CI to date of Judgement.

 

 

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GaryH

GaryH

Posted
Posted

I've passed it on to admin.:)

Please remember to DONATE! Help CAG keep up the fight!

 

 

Any advice or opinion is offered informally & without liability. Use your own judgment and if in doubt seek advice of a qualified and insured professional.

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Pen

Pen

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Posted

tHANKS GARY

:x if i have been off any help to you please click my scales

 

cases won

28th July Single Claim for bank charges against LTSB, £6,800 WON with CI to date of Judgement

 

18th July Joint Claime against LTSB £7,800 WON with CI to date of Judgement.

 

 

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Pen

Pen

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Hi Webmaster I will ask her, But can you PM me a email address so she can contact you if it's a different problem because I don't think she has forgotten her password

:x if i have been off any help to you please click my scales

 

cases won

28th July Single Claim for bank charges against LTSB, £6,800 WON with CI to date of Judgement

 

18th July Joint Claime against LTSB £7,800 WON with CI to date of Judgement.

 

 

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Pen

Pen

Posted
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Poor darling1 is not a happy bunny:) would you beleive I have not had to empty my in-box for a whole week:D :D :D my email accounts taking a bashing instead.

this is the latest message she sent me

MessageThanks for that! I am not back on CAG yet! I keep looking - its just that> they don't recognise me at all on the signing in bit - and I have ried > everything to get back in I have also contacted admin but they don't> reply - they> have a problem with aol, but I opened a hotmail account too so they can> get me,> but still not getting anywhere.Any offers anyone she she try opening a new account, bit drastic, but I miss her and i want her back now!!!!:D

:x if i have been off any help to you please click my scales

 

cases won

28th July Single Claim for bank charges against LTSB, £6,800 WON with CI to date of Judgement

 

18th July Joint Claime against LTSB £7,800 WON with CI to date of Judgement.

 

 

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photoman

photoman

Posted
Posted

I had a problem with a PC I use recently, and actualy thought I had a virus, as it was doing funny things. Turned out te keyboard was sticking, and needed a good clean. Get her to try another keyboard, or to try and log on from another computer?

The other problem could possibly be, that if she registered with an email account address that she doesn't use very often (or just has it set up so that the emails are diverted to an inbox on her PC internet programme), then the account can deregister itself, unless you manually directly log into it periodically. She should check that the email account she used to register with CAg is stil active?

 

PM

All opinions and advice I offer are purely my own, and are offered without any liability. If unsure seek the help of a licensed professional

...just because something's in print doesn't mean its true.... just look at you Banks T&C's for example !

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darling1

darling1

Posted
Posted

:-D IM HERE!!!!!:-D

I'm back!

Thanks for all the suggestions above that Pen has been passing on to me. My Hotmail account had gone wrong aswell, and I think it was just an unlucky coincidence that it all went B***s up at the same time!

 

BTW Pen - don't be so cheeky - its lucky I know you really love and care for me, or I may get offended " my emails taking a bashing instead".....:mad::p

Well I am back and get your inbox emptied!!

Darling1XXXX

If I have been of any help to you please be kind enough to click on my scales! Thank you

 

:D Halifax Bank...December 2006 ..... WON! 1 week after N1 filed.

:eek: Lloyds TSB....... April 2007 Lloyds TSB.....WON, 1 day before prelim. court date, still went before judge.

:p Nationwide.........April 2007 Nationwide.......WON, 3 weeks after N1 filed.

:rolleyes: Nat West....June 2007 (on behalf of friend) Settled after LBA and before filing.

:smile:HSBC - full settlement ...on behalf of my son...

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Rich3236

Rich3236

Posted
Posted

Subscribed,

 

Please tell me they gave you a bigger inbox Pen?:mad:

 

This is better than any book i have read. It took me two days to read the whole thread! The wife kept tearing me away or i would have read it all at once.

 

Good luck with your new claims Pen, I am glad my case is very straight forward.

 

Rich:)

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calm1

calm1

Posted
Posted

Hiya Pen and Darling and Els, etc,etc - just popping in to say hello. God Pen - you are a one!!! I am so pleased to see that you are going for it after all. Whoopeeee!! You can't let them get you down - not having come this far.

 

I do think that you are going to have to be really careful from now on. I think you have caused quite a stir with LTSB and I really think they are onto your thread by now. The main reason is that you have fought quite a few unusual battles and won. They would hate for all the rest of us to start doing the same like the bank charges revolution! I must say I am tempted. I am going to apply for my OH bank statements pre six years' - I do hope I don't have to go through what you did!!!! Anyway, if it gets silly I will get in touch with the Dutch man!!!!

 

Actually, my OH has just said he probably has a lot from those days as we were child free then and a bit more organised. LOL

 

Anyway, best of luck Pen - Basil x

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Pen

Pen

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Hi everyone, sorry i have not been on line for a while. I blame Sue.

Sue sooooo glad your back I was getting , I'm glad you love me as well other wise you would be slapping me from heat to toe. I just had a thought, I also have hotmail and one of them built in camera things can we talk and see each other at the same time, i can do it with my kids in uni so we must be able to as well:D

 

hi Rich, nice to have you on board, wow 2 hours, it's a good job I deleted most of the first posts other wise you might be getting a divorce by now, there was hundreds ot them, and NO all my requests for a larger post box have fallen on deaf ears, it's a bit like asking the bank to repay my chargers. all my requests just get ignored. Maybe my names on the agenda for there next commitee meeting, under any pains in the neck :p

 

Basil, I was thinking the same thing myself over the past couple of weeks. I wonder if I should start a new thread for this pre 6 yr claim as I have won all my charges back, what does everyone else think. Basil don't forget to get you statements pre 6 yrs you have to take a letter into your local branch and ask them for them as it's them that have them not the data department, don't let them put you off by stating they don't store them, they do!!!

 

Right today O/H received another letter from the court re his complaint to my SAR case. the complaint was put before the judge, would you believe the same judge who preceded over my hearing, the one he complained about. She wrote, if Mrs pen wanted the claim to be re submitted then she would have to apply through the court and a hearing date would be set to decide. Well!! that was a waste of time, she is hardly going to tell herself off for acting in the way she did.

 

I cannot see myself ever going before her again to present my case. so as discussed with other members I am processing a completely new claim for the SAR.

 

Sue, I really am pleased that you are back, and you can fill my in box any time, I'm always happy to empty it for you, again and again and again, lol only kidding:D :D :D your my very bestest friend!!!

:x if i have been off any help to you please click my scales

 

cases won

28th July Single Claim for bank charges against LTSB, £6,800 WON with CI to date of Judgement

 

18th July Joint Claime against LTSB £7,800 WON with CI to date of Judgement.

 

 

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  • 2 weeks later...
Pen

Pen

Posted
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Posted

Hi Everyone.

Gary, I recieved the list of documents from SC&M this morning, those ordered by the court relating to O/Hs loan.

 

I am a bit confused as what is included in the documents are 2 signed agreements dated 2nd sep 02 and 16,Jan,02 both of O/Hs sig are different, these relate to the 2 loans that are paid in full, remember the loan statement s I sent you with the zero balance and copies of bank statements showing payments to the loans, nothing else. There is no agreement for a consoladated loan and no witness statement. so I am not sure on what I should be doing.

 

They have supplied 2 loan agreements, statements for both loan agreements showing nil balance. no current agreement with an outstanding balance !!!! I know I am meant to send a list of documents to the court but what do I include in it any ideas yet.

:x if i have been off any help to you please click my scales

 

cases won

28th July Single Claim for bank charges against LTSB, £6,800 WON with CI to date of Judgement

 

18th July Joint Claime against LTSB £7,800 WON with CI to date of Judgement.

 

 

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GaryH

GaryH

Posted
Posted

Hi Pen.

 

Need to see the docs asap if poss. Can you e-mail/fax/post them to me?

Please remember to DONATE! Help CAG keep up the fight!

 

 

Any advice or opinion is offered informally & without liability. Use your own judgment and if in doubt seek advice of a qualified and insured professional.

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Pen

Pen

Posted
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hi Gary, yes I will post them first thing in the morning. to the right address this time lol! thanks Gary I don't want to have gotten this far for them to win now:(.....

:x if i have been off any help to you please click my scales

 

cases won

28th July Single Claim for bank charges against LTSB, £6,800 WON with CI to date of Judgement

 

18th July Joint Claime against LTSB £7,800 WON with CI to date of Judgement.

 

 

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GaryH

GaryH

Posted
Posted

Hi Pen.

 

Can we start a new thread for the o/h's CCA claim do you think?

 

It would be good if you got a new thread set up in the debt forum with all the relevant history summerised in one place. We're going to try to get you some specialist help on this but obviously its difficult when there are all the different issues are intertwined on the same thread. Just copy and paste the important posts if you like. It hasn't got to be pages and pages, just the important background information and details of the claim progress so far.

 

Cheers,

Gary

Please remember to DONATE! Help CAG keep up the fight!

 

 

Any advice or opinion is offered informally & without liability. Use your own judgment and if in doubt seek advice of a qualified and insured professional.

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Pen

Pen

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Hi Gary, Yes That would be a good Idea. This one is starting to get complicated again :) I will get round to it this evening. I have posted the info to you so you should have it tomorrow. Not sure on your Aviater!!!!

Thanks Gary. x

 

els, great. Thats some reading I 've got lol poor O/H is going to be a computor widow again.

:x if i have been off any help to you please click my scales

 

cases won

28th July Single Claim for bank charges against LTSB, £6,800 WON with CI to date of Judgement

 

18th July Joint Claime against LTSB £7,800 WON with CI to date of Judgement.

 

 

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Pen

Pen

Posted
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Posted

Happy Birthday Darling 1

:x if i have been off any help to you please click my scales

 

cases won

28th July Single Claim for bank charges against LTSB, £6,800 WON with CI to date of Judgement

 

18th July Joint Claime against LTSB £7,800 WON with CI to date of Judgement.

 

 

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darling1

darling1

Posted
Posted

Thanks for that - another year older - and unfortunately none the wiser for it! :D :D :D

If I have been of any help to you please be kind enough to click on my scales! Thank you

 

:D Halifax Bank...December 2006 ..... WON! 1 week after N1 filed.

:eek: Lloyds TSB....... April 2007 Lloyds TSB.....WON, 1 day before prelim. court date, still went before judge.

:p Nationwide.........April 2007 Nationwide.......WON, 3 weeks after N1 filed.

:rolleyes: Nat West....June 2007 (on behalf of friend) Settled after LBA and before filing.

:smile:HSBC - full settlement ...on behalf of my son...

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