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    • Everyone knows the tories were hiding the costs - and even added 4 billion quid to the taxpayers high interest credit card to fund a chunk of the NI tax reduction - prime example - look at how much cost was hidden re the Rwanda dogwhistle -10 Billion quid     and re the handful of rebels on the benefit limit If the disasters (like the Rwanda rubbish) of Tory dogs being wagged by the extremist minority ERG tail doesn't highlight the issues .. Enlighten yourself here .. (fat chance) Sir Keir Starmer is right to show Labour rebels the door WWW.INDEPENDENT.CO.UK Editorial: Suspending seven MPs following their rebellion over the two-child benefit cap is more than a prime minister flexing his political muscle. It is a...  
    • Trump instigated that didnt he @theoldrouge despite losing the election - and Biden mitigated as much as he could within his boundaries?   "President Donald Trump ordered a rapid withdrawal of all U.S. troops from Afghanistan and Somalia in the wake of his 2020 election loss"   “The order was for an immediate withdrawal, and it would have been catastrophic,” said Rep. Adam Kinzinger, R-Ill., one of two Republican members of the special panel. “And yet President Trump signed the order.”   Trump ordered rapid withdrawal from Afghanistan after election loss WWW.MILITARYTIMES.COM The memo was among the latest revelations from the congressional committee investigating the Jan. 6, 2021, attack on the Capitol building.   Although i agree that Biden should have done more to mitigate Trump driven disasters
    • ok your WS is wrong. Paragraph 16 and 17 says  you did not contract with evri but this is not true - see below  Furthermore to the eBay Powered By Packlink T&Cs that Evri is referring to, Clauses 3b and c of the T&Cs states:  (b)   Packlink is a package dispatch search engine that acts as an intermediary between its Users and Transport Agencies. Through the Website, Users can check the prices that different Transport Agencies offer for shipments and contract with the Transport Agency that best suits their needs on-line. (c)  Each User shall then enter into its own contract with the chosen Transport Agency. Packlink does not have any control over, and disclaims all liability that may arise in contracts between a User and a Transport Agency post 251 of occy thread - £844 lost    you should also add a paragraph on donough v Stevenson talking about the fact that even without contract there is still duty of care to goods and by failing to deliver this duty has been breached.   Make those changes and post it back up here and I'll check over things again
    • no we cant add the occy thing because leicster are being difficult people so we're just going to go without it for now
    • no you can email it dont worry about that. take out the index of statement of truth, just not needed
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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.  

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    • 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.
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      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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get out of debt from £2-00


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Start to get out of debt free from £2-00 a catchy title, but for the initial cost of £2-00 for your credit file you can start to get out of debt. You can only start with the first step.

 

 

If the thought of being in debt is a hard pill to swallow, please be aware that as of 06/04/2014 there are new rules in regards to debt enforcement.

 

 

If you currently are not sure if you have any sort of debt apply for your credit file and check it thoroughly, see if you have any defaults listed, if you do contact the creditor, ask for details via a CCA if appropriate, then come to CAG and ask for advice. DO NOT IGNORE a letter threatening Court action.

 

 

If you debt goes to Court and the creditor gets a CCJ by default i.e. You did not defend the case against you, you could see a whole new way of enforcement come your way, in the form of an ENFORCEMENT AGENT, this will be under the new rules in regards to taking control of your possessions, this will be VERY expensive from the 06/04/2014 seeing you getting a significantly higher debt than it is already.

 

 

There are a number of CRA's (credit reference agencies) where you can get you file for free like noddle, or the big ones like Experian, they offer a free period but can be expensive if you forget to cancel within the free period, or you can apply via a written request which costs just £2-00.

 

 

This could be the best money you will ever spend, due to the changes that occur on 060/04/2014 where things will get even worse. Get on the road of being debt free just like me with the help of the great posters on CAG, they helped me big time now I am debt free and am much happier now than I have been in a long time

 

 

MM

If I have been of any help, please click on my star and leave a note to let me know, thank you.

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I think MM is suggesting that you obtain a copy of your Credit file for £2.00, sequenci. Not that you will actually be debt free for £2.00 :lol:

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Uploading documents to CAG ** Instructions **

Looking for a draft letter? Use the CAG Library

Dealing with Customer Service Departments? - read the CAG Guide first

1: Making a PPI claim ? - Q & A's and spreadsheets for single premium policy - HERE

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3: Feel Bullied by Creditors or Debt Collectors? Read Here

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1: How can BCOBS protect you from your Banks unfair treatment

2: Does your Bank play fair - You can force your Bank to play Fair with you

3: Banking Conduct of Business Regulations - The Hidden Rules

4: BCOBS and Unfair Treatment - Common Examples of Banks Behaving Badly

5: Fair Treatment for Credit Card Holders and Borrowers - COBS

Advice & opinions given by citizenb are personal, are not endorsed by Consumer Action Group or Bank Action Group, and are offered informally, without prejudice & without liability. Your decisions and actions are your own, and should you be in any doubt, you are advised to seek the opinion of a qualified professional.

PLEASE DO NOT ASK ME TO GIVE ADVICE BY PM - IF YOU PROVIDE A LINK TO YOUR THREAD THEN I WILL BE HAPPY TO OFFER ADVICE THERE:D

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My initial debt was close to £27k. I was facing an awful future, I sought advice from here, to got my CRA file cost was £2-00

 

 

After much help the debt dwindled from that figure to zero in a few years the total outlay including all letters calls postal orders and everything in total cost me just £87.00 including my F&F payment which was £50-00, so therefore the WORD from is a starting point.

 

 

Thanks to citizenB for his post above and the laughing giff, much appreciated

 

 

My point is/was to get your credit file and deal with as much debt as you can by ways that are available to us on CAG, like template letters and the such. Don't let it get to court and don't let a bailiff (EA) as they are now get involved, because if they do get involved the way your finances will be affected and will be so much different than it was last year.

 

 

We here at CAG know that debt enforcement is going through a radical change and don't want to see anymore debtors than necessary losing everything they own, because they did not spend an initial £2-00 or free in some cases.

 

 

MM

 

 

PS will the site team be adding a side line to the term EA (Enforcement Officer) like you do for Bailiff?

If I have been of any help, please click on my star and leave a note to let me know, thank you.

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The changes are not as radical as you might think. Much of the amendments simply serve to codify what is already law - either via statute or via case law which has evolved over many years - in some cases hundreds. The fees are certainly significantly more in some respects. It's important to bear in mind, that as far as judgments are concerned, an enforcement agent can only be used if there is a default in the instalment.

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The changes are not as radical as you might think. Much of the amendments simply serve to codify what is already law - either via statute or via case law which has evolved over many years - in some cases hundreds. The fees are certainly significantly more in some respects. It's important to bear in mind, that as far as judgments are concerned, an enforcement agent can only be used if there is a default in the instalment.

 

 

And where did you take your law degree?

 

 

Radical yes they are it's new it's harsher it's costly it's radical, please explain where you they are not radical

If I have been of any help, please click on my star and leave a note to let me know, thank you.

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I'm not a fan of the interpleader process re: third party goods - but there could be a way around that.

 

I like the introduction of more formailities and the requirement for more paperwork to be served. I also like fact that, generally speaking, a bailiff will not be able to visit for a week once notice has been served - that should give the debtor time to get their stay/variation application in (where applicable).

 

Whether or not bailiffs change their ways, of course, is another story.

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