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    • Funding concerns are expected to see Saudi Arabia reduce its giant building schemes.View the full article
    • Why the former Fujitsu engineer is such a key figure in the Post Office scandal.View the full article
    • next time dont panic and wet yourself and offer payment !! Date of issue – 14 june 2024 date for aos - 2nd july  date to file defence - 16th july      other than the CCA/CRP and if it ever gets that far..a witness statement, you send them NOTHING and dont ever instigate comms with them. esp by email.. i would be sending one final email in reply to theirs above. PLEASE NOTE: email is NOT to be used for any comms with regard to our mutual court claim. else they'll be sending a whole forest of faked agreements/documents to you one minute before a court deadline removing your shace to object/pull them apart as unenforceable etc. dx        
    • The EU and China still disagree about the import taxes, but have agreed to discuss them further.View the full article
    • Unbelievably I can't find it, I will have a really good look for it when I have a bit more time on my day off this week. AS a side note, I emailed them offering a token payment to settle the account and avoid court action, which unsurprisingly they have declined. However their reply states:  A Claim was accepted on 19 June 2024 which means we cannot set up a payment plan just yet. You should have received a claims pack from the Court. We would ask for this to be completed with your offer of repayment and returned to either ourselves or the Court.  You have 21 days for this to be completed and returned in order to avoid a Judgment by Default. This means we would need to receive this by 10 July 2024. I was under the impression it was 19 days from date on the claim form. which was the 14th, which would be 3rd July. Could I use this against them as it seems like they are giving me false information in the hope of getting a judgement by default?
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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 
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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.
      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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Proving self employment. Very worried.

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Hiya Everyone.


I am in a pretty complicated situation and I'm very worried about it. I am posting in case anybody has any advice about this sort of thing.


I'm self employed and last week I received a letter asking me to prove my self employment. They want all the details from August 13 to November 13th, and they want these details by December 13th.


I work several self employed jobs. As an adult phone operator (Have done since 2007) in May this year I opened an etsy shop, and more recently I have started working on another text chat system.


Whats making me so nervous is proving my hours worked and income etc. The hours worked on the phone job each week vary from 5 -15 hours weekly. The past few months the hours I've worked have been on the lower end. I have invoices to send them, but the hours 'talk time' shown on them can be very low.


I sign into the other text service, but proving hours worked is actually impossible, I have never received any payment from it as I am yet to receive a single text.


On etsy. I've only had 8 orders since may (2 refunded).


As you can see I am going to have an extremely hard time proving that I've been doing 30 hours and I am so nervous about this that I just don't know what to do.


I spoke to them earlier today and the lady told me to 'just go back on the calendar and write down what you think you've done'.........that really doesn't help.


I am just wondering if just having the Etsy shop counts? I mean even though I'm not getting that many customers, does having an open shop count towards self employed hours? The same way it would if I had a physical shop that wasn't receiving any customers?


I'm pretty stressed about it. I'm worried they are going to say I haven't been doing the hours I should and fine me/stop my tax credits. Or that they'll want me to come in and see them (I'm a very socially anxious person who finds it hard just going to the shop, so I would find it physically impossible to have to do something like that, especially being question etc)


So any advice at all would be amazing at the moment,


Thank you :-)

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Who did you recieve a letter from? HMRC?

Any advice i give is my own and is based solely on personal experience. If in any doubt about a situation , please contact a certified legal representative or debt counsellor..



If my advice helps you, click the star icon at the bottom of my post and feel free to say thanks


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I assume these calls are incoming only, therefore the amount of time you can accurately state will be an estimate anyway. The only way to keep a full track of your calls is to record them. This would give you the amount of time in the call. Apart from that this could be difficult.

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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Are you claiming tax credits and is this why they are contacting you?( appears to be the case) Have you registered with HMRC as self-employed and got your UTR? If not they will be wanting to know how you operate/claim to be self-employed. This will be how many hours per week, turnover, profit/loss etc. You should be OK in the first year as it will be guesswork and they accept this but after a year they want to see some figures that tally with your self assessment tax return.

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I am registered self employed and have my UTR and I am receiving working tax credits (have done since 2011)


I've been self employed since 2007, this is the first time they've done anything like this. If I had of had some kind of prior warning to keep a record of when I'm 'logged in' to the system etc. I could have done that (If fact I will do that from today) but as it stands at the moment, I don't have what they want.


Hence my anxiety about what I'm going to do. :???:

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i was self employed for 8 years and never heard a peep from them regarding proof of income, receipts, invoices etc so can only assume that whatever they say will be an advisory thing at this stage and ask to to keep records for the future. They cannot really disagree with what you tell them as there are no records they can pore over to say otherwise.

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When you're self-employed, work related activity can consist of: updating/maintaining records, market research, creating copy for website/blog/advertising, business networking, design/production of samples, keeping accounts, reporting to HMRC/Council (if claiming benefits), online research ..... travelling to see potential clients .... the possibilities are endless. All this on top of any actual hours spent "working" on the phone/texts/making crafts.



HMRC may need to be convinced you're self-employment is "commercially viable" with a view to making a profit. Especially in light of the minimum income floor for self-employed.




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