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    • The firm has benefited from the AI boom, making it the third-most valuable company in the US.View the full article
    • Former billionaire Hui Ka Yan has been fined and banned from the financial market for life.View the full article
    • In terms of "why didn't I make a claim" - well, that has to be understood in the context of the long-standing legal battle and all its permuations with the shark. In essence there was a repo and probable fire sale of the leasehold property - which would have led to me initiating the complaint/ claim v SPF in summer 19. But there was no quick sale. And battle commenced and it ain't done yet 5y later. A potential sale morphed into trying to do a debt deal and then into a full blown battle heading to trial - based on the shark deliberately racking up costs just so the ceo can keep the property for himself.  Along the way they have launched claims in 4 different counties -v- me - trying to get a backdoor B. (Haven't yet succeeded) Simultaneously I got dragged into a contentious forfeiture claim and then into a lease extension debacle - both of which lasted 3y. (I have an association with the freeholders and handled all that legal stuff too) I had some (friend paid for) legal support to begin with.  But mostly I have handled every thing alone.  The sheer weight of all the different cases has been pretty overwhelming. And tedious.  I'm battling an aggressive financial shark that has investors giving them 00s of millions. They've employed teams of expensive lawyers and barristers. And also got juniors doing the boring menial tasks. And, of course, in text book style they've delayed issues on purpose and then sent 000's of docs to read at the 11th hour. Which I not only boringly did read,  but also simultaneously filed for ease of reference later - which has come in very handy in speeding up collating legal bundles and being able to find evidence quickly.  It's also how I found out the damning stuff I could use -v- them.  Bottom line - I haven't really had a moment to breath for 5y. I've had to write a statement recently. And asked a clinic for advice. One of the volunteers asked how I got into this situation.  Which prompted me to say it all started when I got bad advice from a broker. Which kick-started me in to thinking I really should look into making some kind of formal complaint -v- the broker.  Which is where I am now.  Extenuating circumstances as to why I'm complaining so late.  But hopefully still in time ??  
    • At a key lecture in the City of London, the shadow chancellor will also vow to reform the Treasury.View the full article
    • Despite controversy China's Temu is becoming a global online shopping force.View the full article
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    • If you are buying a used car – you need to read this survival guide.
      • 1 reply
    • 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
      • 160 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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Put this here as seems most likely place feel free to relocate:

Query about the threatening letters being sent out to residents who are still minors by Elections at Portsmouth City Council filled my electoral roll form including daughter as she is just 16 in the section for this.

 

They send her a form to require my daughter to register as it says on the form it will “mean you can vote at elections” No it does not! If she fails to register by 30/12/15 there is an £80 fine involved. When contacted the officer at Election Services had no idea of the legislation backing this threat up or the right to demand information from a minor and tried to hedge and say it was an invite, you can invite someone to an interview under caution but they don’t have to attend or you arrest them and they do.

 

As soon as there is an element of coercion it ceases to be an invite its making someone an offer they can’t refuse. The other excuse was that the form was provided by the Electoral commission and they just sent it out and they wanted to be ready for when she would be eligible to vote and the age is being reviewed, but the government is staunchly against this and so it will not change till at least after the next election..

 

Asked if their head of legal services had checked the form told they wouldn’t alter an Electoral Commission form. Is this really a good way to encourage young people to engage in politics? I suspect most teens will just dump it in the bin so it could be a nice little earner for Portsmouth City Council. Anyone else had this?

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the old forms required the householder to enter the detail of anyone approaching the age of 18 but the new system requires the individuals to register themselves. How do they get their info? by sending out the old type form. So question is does your daughter need to register herself. The government site say she CAN register but that doesnt imply that she has to. Perhaps your daughter should ask under what peice of legislation is she obliged to as the draft paper was withdrawn last year. That also included a lot of other things like being able to vote for "none of the above" (my favourite candidate)

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Why not speak to someone on your local newspaper - I am sure they would be happy to print something like this ?

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BCOBS

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

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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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Spoke to electoral commission they say she must register or be fined if asked to register by local authority but again cant say why they lie on the form saying it means you can vote contacted mp

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https://www.portsmouth.gov.uk/ext/documents-external/dem-electoral-registration-form.pdf

 

Hmm, well according to this you do have to register once you pass your 16th birthday, but you just cant vote until you are 18 !!

Have we helped you ...?         Please Donate button to the Consumer Action Group

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

2: Take back control of your finances - Debt Diaries

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

4: Staying Calm About Debt  Read Here

5: Forum rules - These have been updated - Please Read

BCOBS

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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I only just registered with PCC last year, having never been registered to vote in my life, I had all the threat letters from PCC saying that I had to register ''by LAW'', but when I asked their doorstepper to tell me which Law they were referring to they couldn't, so simply told them I wasn't interested and shut the door.

 

They use the threat of fining you so they can get their bit of commission out of you, plus councils are under pressure to force residents to register to vote, because that;s what a democracy is, forcing you to vote, or face a financial penalty.

Who ever heard of someone getting a job at the Jobcentre? The unemployed are sent there as penance for their sins, not to help them find work!

 

 

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The vote bit is not my issue, personally I think if you don't vote you cant moan, its about a minor who cannot vote being forced to put her details on the electoral roll with the lie that this means she can vote.

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The vote bit is not my issue, personally I think if you don't vote you cant moan.

 

Love that argument, personally I think that if you DO vote then you can't moan, after all you voted them in, I just sat at home.

 

However, I completely agree with you, that if YD can't vote until 18, then I fail to see why she needs to be registered.

You could write to Donna Jones and ask her, or Flick Drummond, both as much use as indicators on a submarine, but you never know?

As for fining YD for failing to register, not going to happen, PCC aren't competent enough to string a sentence together least of all an argument!

Who ever heard of someone getting a job at the Jobcentre? The unemployed are sent there as penance for their sins, not to help them find work!

 

 

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