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    • OK, all done as requested. Defence left blank for now. Just one small question in relation to the CPR31:14.... Please treat this letter as my request made under CPR 31.14 for the disclosure and the production of a verified and legible copy of [each of the following / the] document(s) mentioned in your Particulars of Claim: and it says * delete if not mentioned in the Particulars of claim. I'm not  sure if I ask for everything or nothing as I can't see any of the list mentioned in the POCs
    • Fund management firm Allan Gray also said giving Nationwide's members a vote on the £2.9 billion buyout would have been 'a much better path'.View the full article
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    • Let me start by saying I feel tremendous regret, shame and remorse. I have some debt and personal life has fallen apart over the last year which has caused me to be careless. Doesn’t make it okay I know. In a positive way, i will never take anything in life for granted ever again. I want to volunteer and go back to being a good person. I need some advice/reassurance on the below so I can move on better from this experience. A few days ago I was caught at sainsburys, I paid for part of the food (about £5) and didn’t pay for the other (about £8-10) at self checkout. when I got to the exit someone in plain clothes asked to see my receipt and bag and that they worked for mitie. I told him the receipt was in the store bin (true) and he said he followed me round and knows I didn’t pay for all of it. he very sternly but calmly said he just needs my name then I can leave with the shopping. I said i am in a bad day and can’t do this and was on the verge of breaking down. So I handed him the shopping and slowly walked out. No name given (I read elsewhere this is good and makes it unlikely to develop) and I have no way knowing if police contacted. I overthink a lot and I wonder if they can track me via debit card or nectar card on the transaction. I also wonder if they saw me do it last month and have been waiting for me. I know someone who works at their head office and terrified somehow it will get back. I’m also terrified of being recognised in the street.    I don’t know what’s going to happen. I see a lot in the news today about shoplifting 
    • Hi, I’ve just spotted an Arrangement to Pay marker (TransUnion) on my Barclays Mortgage account for 1 month in March 2022. I’ve spoken to Barclays Customer Service and Complaints about this and they’ve given me some background but have closed my complaint: Direct Debit for mortgage bounced in February and I didn’t notice this at the time. Realised there were arrears in March and called customer service straight away. Offered to pay half the arrears on the call with the other half of the arrears the following month. I prob suggested or accepted this as had done that many years previously when I was a poor student with no adverse consequences. Paid in accordance with this. Barclays call notes report they informed me credit reference agencies would be notified and I indicated I understood. However, complaints team couldn’t access the call because it was too old. They advised I could request a transcript through GDPR and complain via ombudsman if still unhappy - I’ll process the GDPR request this week. Whilst it may be factual that I entered into some kind of arrangement regarding the arrears, it wasn’t clear to me that they would be treating it and reporting it as a formal payment plan along with the potential consequences of this. At no point did I agree to or request to “reducing my contractual payments” - I paid my contractual amount for March and April with 50% more on top. I guess it’s likely they did say something vague about credit reference agencies and it’s also possible that I may have agreed without fully understanding it would be different to a late payment marker. I’m not 100% sure of the impact of the AP but I believe it did tighten up balance transfer and new card offers (Lloyds group in particular) even though the rest of my report is spotless and I have many years managing multiple high balance cards. Although it may have been less comfortable, I also believe I had the means to pay the balance in full if I’d realised the impact at the time. Finally, it feels like Ive been penalised for speaking to customer services directly rather than just upping my payments to cover the arrears. Historically, I was under the impression that Barclays mortgages weren’t even reporting arrears of less than 2-3 months as late payments - although this may have changed since the last time I was in arrears. I’ve had a browse through threads about AP markers and it seems like removal is unlikely if it’s deemed factual but it may be worthwhile escalating to FOS or ICO? Will update with transcript details once I’ve raised and received a response to my request. I suppose the upside of this is that I’ll be even more cautious about negative markers in the future. Thanks, J
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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.

      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
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The great e-cigarette war


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I can not answer that question.

Oh go on then let's have a bash.

I started vaping to hopefully do less damage to myself and wean myself off cigs.

However I suppose being addicted to nicotine is strong,that strong I cannot see myself coming off the ecig.

Perhaps the Welsh have decided if possible we want people nowhere near nicotine and so you shall not vape.We will break that habit of nicotine in public places.And strangly enough if there is a ban somewhere it is amazing how you cope.No vaping in a gym no problem i find.The nicotine kick is so strong if I did not have one I would be back on the cigs in a flash.Sad but true.

And looking in the mirror one day I nearly passed out.My back half of my tongue had turned brown.Thought I had the plague.

Hit google so fast to find out what I had.

Turns out I have Vapers Tongue- ugh.

Check it out

This post is coming from a no smoking no drinking house.

But one hell of a vaping den.

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I have no problem if people wish to vape on their own property, the same as smoking real ciggs but do not do it in my presence and spoil my enjoyment in the public arena

 

It is bad enough trying to get into the pub front doors for a meal which you can cut with a knife the fag smoke, without encouraging this side habit

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  • 1 month later...

Lol, that's a funny article.

 

I especially like the bit where it says he burned his lungs, but not his mouth/tongue/throat/trachea. That's some selective nicotine he's got there.

 

The story of the other guy where it blew a hole through his palette was funny too. I assume it went right through his palette, through his brain, out the other side of his head and it currently on its way to mars.

 

But the best bit is where it says nicotine use leads to cocaine abuse, but only in ex-smokers who vape, not in people who get their nicotine via a cancer stick, or a patch.

 

There is a word i'm trying to think of, I think it might start with BULL and end in SH$T.

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Lol, that's a funny article.

 

...... That's some selective nicotine he's got there.

 

.

 

it must've been chinese covert bio slow release nico :)

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info

The potential forthcoming EU directive...

'....There are too many petty regulations contained in the Tobacco Products Directive (TPD) to list here. Suffice to say it will lead to most of the e-cigarettes on the British market being withdrawn from sale....'

https://health.spectator.co.uk/the-eus-attack-on-e-cigarettes-will-bring-a-golden-age-of-vaping-to-an-end/

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re Wales' proposed e cig ban

'The National Assembly for Wales's Petitions Committee was officially presented with a petition today calling upon the Welsh Government not to proceed with their proposed ban on the use of e-cigarettes in enclosed public spaces, substantially enclosed public places, and places of work in Wales. ....'

http://www.assembly.wales/en/newhome/pages/newsitem.aspx?itemid=1338&assembly=4

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'E-cigarettes are used by millions in the UK, but information about them is sometimes conflicting. So what is the current evidence on them?...' the guardian

http://www.theguardian.com/science/sifting-the-evidence/2015/oct/23/e-cigarettes-a-consumer-led-revolution

 

further to that link #7 re possible EU directive on ecigs, Farage enjoys a vape (hopefully it wasnt a duff burning one :)) at an ecig shop

http://www.walesonline.co.uk/news/politics/heavy-smoker-nigel-farage-tries-10322476

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the 'war' continues :)

 

'Using e-cigarettes is related to problematic drinking, according to new research published in Addictive Behaviors.....The results suggest that using e-cigarettes to quit smoking could mean people miss out on the benefits of quitting; smoking cessation generally results in people drinking less alcohol, but using e-cigarettes means this decrease may not happen....'

http://www.news-medical.net/news/20151029/New-research-shows-that-using-e-cigarettes-related-to-problematic-drinking.aspx

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worried about just 'burning liquid' (#4), see this. again be careful what ecig you use; :)

 

'A 21-year-old Florida man has been placed in a medically induced coma after an electronic cigarette blew up in his face........'The mouthpiece went, when the cigarette exploded, it went down his throat and exploded again,' she said.....'

http://www.dailymail.co.uk/news/article-3292585/Evan-Spahlinger-coma-e-cigarette-exploded-face.html?ITO=1490&ns_mchannel=rss&ns_campaign=1490

 

also;

'Doctors say e-cigarettes should be banned for under 21s....'

http://metro.co.uk/2015/10/26/e-cigs-should-be-banned-for-under-21s-say-doctors-5463391/

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'Travellers will no longer be able to pack e-cigarettes in their hold luggage when flying.

A new air safety rule, which will be implemented on November 6, means both passengers and crew flying to, within and from the U.S. are banned from bringing the devices on any aircraft in a checked bag - due to fears that they may cause a fire in the hold.

Shisha pens, e-pipes, personal vaporizers, and electronic nicotine delivery systems, are also prohibited...The new rule, which will still allow passengers to bring e-cigarettes onto an aircraft in hand luggage, also bans the charging of the devices and their batteries on board the aircraft.'

 

http://www.dailymail.co.uk/travel/travel_news/article-3300401/E-cigarettes-BANNED-checked-luggage-flights-new-rules-prevent-flight-fires.html?ITO=1490&ns_mchannel=rss&ns_campaign=1490

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'The body for UK's e-cigarette players brings in a healthcare lobbyist (Peter Cuthbertson) to argue its case as national parliaments adopt new European legislation...The new laws regarding e-cigarettes are set to come into force on 20 May 2016, and Beckett said the industry was concerned about noises from the Welsh Parliament that it could ban their use in public places and from the Scottish Parliament about restricting how the products can be advertised...Cuthbertson said: “People confuse e-cigarettes, which are an alternative for people who have a nicotine craving, far too much with cigarettes, and there’s a danger of them being treated the same. We need to make our case at a political level.” He called the directive “a piece of bad legislation” and said UK e-cigarette businesses could be hit financially by an overly stringent product testing requirements....'

https://www.publicaffairsnews.com/articles/news/e-cigs-trade-association-hires-peter-cuthbertson-influence-national-legislation

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in the US,

'A group of three vapers has filed a multimillion-dollar class action lawsuit for false advertising against a US company that makes flavored liquids for e-cigarettes....'

edit; link removed, maybe spammy. apologies.

 

whilst research there suggests it aids quitting normal cigs. '....The research informs an ongoing debate as to whether e-cigarettes are effective aids for smoking cessation, promote uptake by non-tobacco users, discourage cessation via dual use of cigarettes and e-cigarettes, or encourage relapse to cigarette use among former smokers....'

http://www.news-medical.net/news/20151117/New-analysis-points-to-use-of-e-cigarettes-as-quitting-aid-among-US-adults.aspx

 

and, the Huff reports on a uk teenager survey 'One in five 14-17 year olds have tried e-cigarettes before - according to BMC Public Health, a peer reviewed medical journal that surveyed 16,193 teenagers across the UK. Currently, there is a disparity among health groups and news outlets over the issue of whether e-cigarettes are a valid tool to quit smoking...With a rising number of teenagers across the globe turning to e-cigarettes, government health groups such as Public Health England (PHE) are beginning to see e-cigarettes as a less harmful alternative to smoking. However, anti-tobacco groups such as British Lung Foundation (BLF) are hesitant to support the usage of e-cigarettes in fear of it becoming a gateway stimulus to smoking tobacco....'

http://www.huffingtonpost.co.uk/noah-eckstein/ecigarette-usage-rises_b_8577064.html

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From your second link:

 

Among their key takeaways: e-cigarettes do not appear to attract young adults, non-smokers or promote relapse among longer-term former smokers.
The finding that daily e-cigarette use is less common among 18-24 year olds and never smokers is good news.
That sounds like good news but I doubt it will quell the fear mongers.
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good points there cf. that uk survey.

 

some technical info that has been reported on as ecigs being just as, if not more, harmful than normal cigs re cancer (wont post the reporting link as unfamiliar, but heres their linked source(published awhile ago))

http://www.nejm.org/doi/full/10.1056/NEJMc1413069

 

whilst,

'Lincolnshire shop owners selling e-cigarettes and vape liquid have been warned not to sell to people under 18. The warning comes after an undercover test by Lincolnshire Trading Standards revealed 11 out of 20 retailers sold the products to an underage person. Officers tested supermarkets, Vape shops, petrol stations and newsagents in Lincoln and North Hykeham...Retailers that are caught selling the products to under 18s face fines of up to £2,500....' http://www.lincolnshireecho.co.uk/half-Lincolnshire-shops-sell-vape-liquids-18s/story-28200252-detail/story.html

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'A Colorado college student is in a critical condition in hospital after the electronic cigarette he was smoking exploded in his face. Cordero Caples broke his neck and several bones in his face, lost his front tooth and burned his mouth when the device exploded in Colorado Springs on Friday....The 29 year old was due to undergo spinal surgery on Sunday, Fox 13 reported. The e-cigarette was reportedly made by Kangertech...'

http://www.dailymail.co.uk/news/article-3330468/College-student-shatters-vertebrae-loses-teeth-suffers-facial-fractures-e-cigarette-exploded-mouth.html?ITO=1490&ns_mchannel=rss&ns_campaign=1490

 

a hybrid e/normal cig? 'One of the world's biggest tobacco firms is to launch a new 'hybrid' cigarette next week in a bid to reverse dwindling sales. British American Tobacco is to trial a new type of cigarette that combines e-cigarette technology and tobacco...'

http://www.dailymail.co.uk/sciencetech/article-3330238/The-iFuse-hybrid-cigarette-combines-e-cig-technology-tobacco-improve-flavour-vapour.html?ITO=1490&ns_mchannel=rss&ns_campaign=1490

 

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Wales

 

'An inquiry has failed to decide whether the National Assembly should ban e-cigarettes in enclosed public places....The health and social care committee report revealed a split broadly down party lines, with Labour AMs backing a ban in the face of opposition from the Welsh Conservatives and the Liberal Democrats’ Kirsty Williams....'

http://www.walesonline.co.uk/news/politics/inquiry-fails-decide-whether-national-10527206

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other news

 

'A MAN faces months of medical treatment and possible skin graft surgery after his e-cigarette battery exploded like a firework in his pocket....'

http://www.plymouthherald.co.uk/Devon-man-need-skin-graft-e-cigarette-exploded/story-28248012-detail/story.html

 

'SCHOOL children are using e-cigarettes as a gateway to smoking, according to a new study, led by Edinburgh *University.The research also found that most high school students find the fruity, sweet-like flavourings of e-cigarette liquids attractive. It was suggested that some pupils use e-cigarettes to hoodwink parents, who would otherwise smell tobacco on their clothes. Others told researchers that they had seen fellow pupils selling and smoking e-cigarettes in class...'

http://www.edinburghnews.scotsman.com/news/health/e-cigarettes-lead-pupils-to-smoking-1-3959182

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'Quitting smoking in the new year? You’ll soon be able to get e-cigarettes on the NHS – but ssshhhhhhh, don’t spread it it around. The government wants to keep it on the DL so that doctors aren’t overrun by raging nicotine addicts. Last month the NHS licensed e-Voke, which means doctors will be able to offer it on prescription. But a Whitehall source said they ‘didn’t want to make a song and dance about it because GPs would be overrun by people demanding it,’ the Sunday People reported.....'

http://metro.co.uk/2015/12/06/you-can-get-e-cigs-on-the-nhs-but-the-government-tried-to-keep-it-a-secret-5548153/

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wales

 

proposed 'public places' ban 'climbdown'

http://www.consumeractiongroup.co.uk/forum/showthread.php?456795-Climb-down-on-e-cigarettes-ban-plans%281-Viewing%29-nbs

 

(oops, i've been hijacking newsbot' info re ecigs. i'll defer :) )

 

whilst

'A toxic chemical that is linked to a type of lung disease has been found in flavoured e-cigarettes. Diacetyl, thought to cause a disease known as “popcorn lung”, or bronchiolitis obliterans, was found in more than 75 per cent of flavoured e-cigarettes and refill liquids in a study by Harvard University. The disease was dubbed popcorn lung because it was first seen in workers who inhaled artificial butter flavour in microwave popcorn processing plants. Diacteyl is used as a butter substitute in flavours like cotton candy and cupcake and is thought to be safe when eaten, but could have harmful effects when inhaled, according to the Occupational Safety and Health Administration in the US...'

https://uk.news.yahoo.com/chemical-linked-popcorn-lung-disease-115958750.html

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news

 

'Scotland's largest health board is to (now) allow the use of electronic cigarettes within its hospital grounds...NHS Greater Glasgow and Clyde has said it will do so, after new evidence that they help tackle tobacco smoking........Dr Emilia Crighton, NHS GGC's director of public health, said: "It is clear from research carried out by Public Health England, ourselves and others, that e-cigarettes do have their place in the fight against tobacco and are being used effectively to help people stop smoking altogether. "In NHS GGC we have carried out our own research which has revealed that some 32% of smokers in our health board area intend to use e-cigarettes in their next quit attempt and that 18% of recent ex-smokers used them to help give up tobacco in the past 12 months"........'

http://www.bbc.co.uk/news/uk-scotland-glasgow-west-35102530

 

whilst

the Dutch say that ecigs are 'more harmful than expected', and ban them for u18's...

 

'....the government said that studies carried out by the Dutch food safety and public health institutes had shown that e-cigarettes were "more harmful than expected" to users' health.....'

(reuters) http://www.trust.org/item/20151211162437-geb1k/

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'E-cigarettes cannot be advertised in magazines, newspapers, on TV and on radio, from May 2016, the Department of Health (DH) announced today....across the European Union (EU) it will be illegal for e-cigarettes and re-fill containers to be commercially advertised or promoted, directly or indirectly, if the draft bill is passed....'

http://www.nursinginpractice.com/article/e-cigarette-adverts-be-made-illegal-eu

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ecigs get a 'fatwa'!

'Malaysia's National Fatwa Council has issued a fatwa declaring the use of electronic cigarettes as 'haram' or forbidden for Muslims. The decision was reached after a special council meeting held on 21 December........'

http://www.ibtimes.co.uk/malaysian-muslim-clerics-issue-fatwa-against-e-cigarettes-1534427

 

and

'The electronic cigarette industry has welcomed prime minister David Cameron’s comments that e-cigarettes are a “legitimate path” for improving the health of the nation.....'

http://www.thegrocer.co.uk/buying-and-supplying/health/david-cameron-e-cigs-legitimate-path-to-health-improvement/529520.article?utm_source=RSS_Feed&utm_medium=RSS&utm_campaign=rss

 

whilst

'Rugby MP Mark Pawsey says he did nothing wrong when praising the e-cigarette industry during Prime Minister’s Questions - after a vaping company paid for him to attend a Rugby World Cup game....Mr Pawsey enjoyed a hospitality package during the Rugby World Cup in September and the £1,600 bill was paid for by Japan Tobacco International (JTI). JTI is the owner of E-Lites, one of the leading brands of e-cigarette in the UK..........'

 

http://www.rugbyadvertiser.co.uk/news/local-news/rugby-mp-praises-e-cigarette-industry-in-parliament-after-company-pays-for-his-world-cup-day-out-1-7129490

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