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    • I'm still pondering/ trying to find docs re the above issue. Moving on - same saga; different issue I'm trying to understand what I can do: The lender/ mortgagee-in-possession has a claim v me for alleged debt. But the debt has only been incurred due to them failing to sell property in >5y. I'm fighting them on this.   I've been trying to get an order for sale for 2y.  I got it legally added into my counterclaim - but that will only be dealt with at trial.  This is really frustrating. The otherside's lawyers made an application to adjourn trial for a few more months - allegedly wanting to try sort some kind of settlement with me and to use the stay to sell.  At the hearing I asked Judge to expedite the order for sale. I pointed out they need a court-imposed deadline or this adjournment is just another time wasting tactic (with interest still accruing) as they have no buyer.  But the judge said he could legally only deal with the order at trial. The otherside don't want to be forced to sell the property.. Disclosure has presented so many emails which prove they want to keep it. I raised some points with the judge including misconduct of the receiver. The judge suggested I may have a separate claim against the receiver?   On this point - earlier paid-for lawyers said my counterclaim should be directed at the lender for interference with the receiver and the lender should be held responsible for the receiver's actions/ inactions.   I don't clearly understand that, but their legal advice was something to do with the role a receiver has acting as an agent for a borrower which makes it hard for a borrower to make a claim against a receiver ???.  However the judge's comment has got me thinking.  He made it clear the current claim is lender v me - it's not receiver v me.  Yet it is the receiver who is appointed to sell the property. (The receiver is mentioned/ involved in my counterclaim only from the lender collusion/ interference perspective).  So would I be able to make a separate application for an order for sale against the receiver?  Disclosure shows receiver has constantly rejected offers. He gave a contract to one buyer 4y ago. But colluded with the lender's lawyer to withdraw the contract after 2w to instead give it to the ceo of the lender (his own ltd co) (using same lawyer).  Emails show it was their joint strategy for lender/ ceo to keep the property.  The receiver didn't put the ceo under any pressure to exchange quickly.  After 1 month they all colluded again to follow a very destructive path - to gut the property.  My account was apparently switched into a "different fund" to "enable them to do works" (probably something to do with the ceo as he switched his ltd co accountant to in-house).   Interestingly the receiver told lender not to incur significant works costs and to hold interest.  The costs were huge (added to my account) and interest was not held.   The receiver rejected a good offer put forward by me 1.5y ago.  And he rejected a high offer 1y ago - to the dismay of the agent.  Would reasons like this be good enough to make a separate application to the court against the receiver for an order for sale ??  Or due to the main proceedings and/or the weird relationship a borrower has with a receiver I cannot ?
    • so a new powerless B2B debt DCA set up less than a month ago with a 99% success rate... operating on a NWNF basis , but charging £30 to set up your use of them. that's gonna last 5mins.... = SPAMMERS AND SCAMMERS. a DCA is NOT a BAILIFF and have  ZERO legal powers on ANY debt - no matter WHAT its type. dx      
    • Migrants are caught in China's manufacturing battles with the West, as Beijing tries to save its economy.View the full article
    • You could send an SAR to DCbl on the pretext that you are going for a breach of your GDPR . They should then send the purported letter of discontinuance which may show why it ended up in Gloucester and see if you can get your  costs back on the day. It obviously won't be much but  at least perhaps a small recompense for your wasted day. Not exactly wasted since you had a great win  albeit much sweeter if you had beat them in Court. But a win is a win so well done. We will miss you as it has been almost two years since you first started out on this mission. { I would n't be surprised if the wrong Court was down to DCBL}. I see you said "till the next time" but I am guessing you will be avoiding private patrolled car parks for a while.🙂
    • It is extremely disappointing that you haven't told us anything about the result of the hearing. You came here at the very last minute and the regulars - all unpaid volunteers - sweated blood trying to get an acceptable Witness Statement prepared in an extremely short time. The least you could have done is tell us how the hearing went, information invaluable for future users. Evidently not.
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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.

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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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      This is good ethical practice.

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      OT APPROVED, 365MC637, FAROOQ, EVRi, 12.07.23 (BRENT) - J v4.pdf
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EU demands foreign docs be allowed to work in UK WITHOUT any checks on qualifications


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Personally I support us in being in EU, it gives ALL of us an opportunity to work within the whole of Europe,

 

So what you are saying is that 'no' Brit has ever worked inside any country in Europe until we joined this lying, cheating, money grabbing, German ruled club and if we leave, then all Brits will be kicked out of other European countries.

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The Mail comes out with stories like this on a daily basis, when put under scrutiny, often they are misleading or just downright untrue.

 

Personally I support us in being in EU, it gives ALL of us an opportunity to work within the whole of Europe, it is not a one way street, millions of Brits work abroad, my family runs a business in France, and no they were not checked if they could speak French.

 

I do worry about the state of UK democratic debate. I really cringe, when i hear people quote from newspapers, without ever considering whether the information is totally true or is only part of the story.

 

Whether you are pro or anti EU or whatever your politics are, you should treat with caution every bit of information that is realeased. Question it thoroughly to see whether it really stacks up and if it is true, whether it really makes any difference.

We could do with some help from you.

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I do worry about the state of UK democratic debate. I really cringe, when i hear people quote from newspapers, without ever considering whether the information is totally true or is only part of the story.

 

Whether you are pro or anti EU or whatever your politics are, you should treat with caution every bit of information that is realeased. Question it thoroughly to see whether it really stacks up and if it is true, whether it really makes any difference.

 

Very good point, I've no doubt that some people still genuinely believe that Freddie Star ate hamsters :)

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So what you are saying is that 'no' Brit has ever worked inside any country in Europe until we joined this lying, cheating, money grabbing, German ruled club and if we leave, then all Brits will be kicked out of other European countries. What crap.

 

Some could lose residency rights or rights to access services. For example a UK state pensioner living in Spain as an EU citizen, can use local healthcare, providing they are registered with the Spanish authorities. There is an arrangement for UK government to pay Spain an annual sum for these people. If the UK left the EU, this type of arrangement might be subject to change. The Spanish could withdraw this healthcare and legally they would be entitled, as British citizens would no longer have rights as EU citizens.

 

If the UK voted out of the EU, it would take years to sort out all of the various agreements on a huge range of issues. Then there would be years of parliament having to amend legislation. Not to mention businesses having to make changes, particularly those who trade across the EU. It would be years and years of mess ahead, with plenty of arguments. The Scottish people and possiblly tbe Welsh mat decide to leave the UK, so they could apply to join the EU as independent countries.

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Very good point, I've no doubt that some people still genuinely believe that Freddie Star ate hamsters :)

 

The media only have one interest at stake, their own ! If their financial interest was going to be harmed by Brexit, they would have pictures of Farage on their frontpages, with a headline ' is this the most dangerous man in Britain ? '

 

You can just imagine the Express headline near referendum voting day. ' Britain to be hit with weeks of toxic rain from EU mainland '.

 

They manipulate the British people like Sheep and some people act like Sheep.

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So what you are saying is that 'no' Brit has ever worked inside any country in Europe until we joined this lying, cheating, money grabbing, German ruled club and if we leave, then all Brits will be kicked out of other European countries. What crap.

So what you are saying is that if we leave we can kick all the EU migrants out but they won't kick our expats out? What manure!

"Ask not what your country can do for you, ask what you can do for Poundland"

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Disappointing by some points on here, some people have been listening to the rubbish Farrage and his idiotic chums has been spouting and believe that by leaving the EU will be some sort of magic tonic that will leave everyone in the UK richer and happier.

 

Im a proud European, traveled there quite a lot, spend most of my summers mountain biking in France where there are many ex-pats working and running businesses, this is all at risk should we leave the EU, unless as san_d points out you think that the Uk can take tough sanctions against Europeans wishing to work here but for some reason Brits will be free to work in EU countries, this is wishful thinking.

 

As a consumer site we should welcome some of the positive changes introduced, capping Roaming charges is an example that springs to mind.

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Before the EU, Europeans were working here and Brits were working abroad.

Leaving the EU wouldn't mean that we won't be allowed to go abroad or let Europeans work here.

It would only mean that we won't be subject to the stupid EU ruling on internal affairs and we would save billions we now pay for the running of a pointless and failed confederation of states.

Switzerland and Norway don't seem to be doing that bad and they have a large number of EU migrants working there.

Of course they're also allowed to work and move anywhere in the EU.

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Before the EU, Europeans were working here and Brits were working abroad.

Leaving the EU wouldn't mean that we won't be allowed to go abroad or let Europeans work here.

It would only mean that we won't be subject to the stupid EU ruling on internal affairs and we would save billions we now pay for the running of a pointless and failed confederation of states.

Switzerland and Norway don't seem to be doing that bad and they have a large number of EU migrants working there.

Of course they're also allowed to work and move anywhere in the EU.

 

Both Norway and Switzerland have to pay in and apply many EU rules. They have small populations and have built economic success based on oil or banking. Norway has put money away from oil revenues and invested it all over the world. I think it was the PM of Norway who said that the UK would be unwise to walk away from the EU, as they would still have to do much of the same, without a seat at the EU table, where they could have influence.

 

There is no reason why the UK could not do just as well or better outside the EU. My fear is the potential risk, of a failing EU badly affecting the UK economy and the UK breaking up following EU exit. If people voted out of the EU, we could see a domino effect causing the EU to fall apart. This could severly affect the UK economy leading to a period of recession. Personally i would not vote for a risky proposition and agree with what William Hague said recently.

We could do with some help from you.

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Before the EU, Europeans were working here and Brits were working abroad.

Leaving the EU wouldn't mean that we won't be allowed to go abroad or let Europeans work here.

It would only mean that we won't be subject to the stupid EU ruling on internal affairs and we would save billions we now pay for the running of a pointless and failed confederation of states.

Switzerland and Norway don't seem to be doing that bad and they have a large number of EU migrants working there.

Of course they're also allowed to work and move anywhere in the EU.

 

Bit more complicated than that, BUT the automatic right we have to accept any job within the EU wouldn't exist, it would be down to smaller individual agreements. Its questionable whether Switzerland and Norway could in anyway be compared to the UK, have you visited ?, both are absurdly expensive, even for people who live there, a lot of Switzerlands wealth is dubious to say the least, mostly in less than transparent banks that other countries are slowly getting worried about. I really dont think that we in the UK can say hey lets be like Switzerland, we are a completely different type of economy.

 

As mentioned above I dont believe the EU has stupid rulings, if you believe that then perhaps you are in the wrong forum, they have done a great deal for individual human rights and consumer laws, yes some governments such as the present Tories dont like that as they have no interest in representing the average consumer, just big companies that are happy to rip us off.

 

This myth that the EU somehow rules over us and makes our lives worse is in my opinion an absolute fallacy.

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As mentioned above I dont believe the EU has stupid rulings,

 

if you believe that then perhaps you are in the wrong forum,

 

That seems to me to be the definition of what is wrong with this sites management, where certain people think that anyone who disagrees with their opinion should not be here.

 

 

they have done a great deal for individual human rights and consumer laws,

 

This myth that the EU somehow rules over us and makes our lives worse is in my opinion an absolute fallacy

Yes I agree the EU have done a great deal for human rights which it is unlikely any of our parties would have done without that prodding,

 

but the EU are certainly NOT faultless and an example of a very wrong approach is:

Germany weeing all over the rules, laws and security of the EU by not just allowing, but encouraging illegal migrants into europe while leaving genuine refugees in refugee camps

 

Whether Camerons stance that refugees should come via legitimate methods from refugee camps is just rhetoric delay tactics or not, what he says is the right approach, and Merkels decisions on behalf of a very opposing EU is one example of a very wrong 'edict'.

Which has put the structure and security of every nation in the EU and the EU itself at great risk.

The Tory Legacy

Record high Taxes, Immigration, Excrement in waterways, energy company/crony profits

Record low: living standards and investment

Crumbling Hospitals, Schools, council services, businesses and roads

 

If only the Govt had thrown a protective ring around care homes with the same gusto they do around their crooked MPs

“This is specifically not allowed. Mr. Mansour used to be a Cabinet Minister in Egypt, he has given the Tories a huge amount of money, and immediately gets a knighthood.

That seems straightforwardly corrupt.  Shouldn’t they both be in jail?”

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The point being made is not only Human Rights, but all of the consumer and employment rights that have come from the EU, which may not have been given by UK parliament.

 

The Tories want to opt out of the EU chapter regarding employment rights, as they think it would benefit employees and employers. It is a question of whether you believe government would legislate to protect employees, if there was not EU wide law offering protection.

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The point being made is not only Human Rights, but all of the consumer and employment rights that have come from the EU, which may not have been given by UK parliament.

 

The Tories want to opt out of the EU chapter regarding employment rights, as they think it would benefit employees and employers. It is a question of whether you believe government would legislate to protect employees, if there was not EU wide law offering protection.

 

Yes some excellent points, we stand to lose a lot of rights/protection and yet gain what ? Its all about Tories wishing to weaken workers/consumers rights IMO.

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If you break your leg or have a heart attack in any country, do you start asking for proof of medical qualifications of the Doctors and Nurses helping you, before they start any treatment.

.

 

Oh, I've been tempted. It is my understanding that a doctor must be registered by the GMC before being allowed to practise in the NHS. It seems to me that the NHS/GP practice see this (registration by the GMC) as a green light to forgo or minimise thorough pre-employment checks. Dr Ubani is a case in point. It wasn't just his language skills that were poor.

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because doctors have a direct effect on health and if you live or die. The others dont. Doctors are also much more highly trained and spend upwards of 10 years in university and medical school. Brickies and plumbers can do it over the summer in night school

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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Before the EU, Europeans were working here and Brits were working abroad.

 

Well, yes and no. Yes, but you had to have either a working visa or there were bilateral agreements between states to import (usually unskilled) workforce, not that kind of crowd you really want.

 

20-30 years ago unemployment rates were very low across all Europe and it was almost automatic to get a visa. Also most women didn't work and chose to be housewives rather than to pursue a career.

 

Different times. Chalk and cheese.

"Ask not what your country can do for you, ask what you can do for Poundland"

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Well, yes and no. Yes, but you had to have either a working visa or there were bilateral agreements between states to import (usually unskilled) workforce, not that kind of crowd you really want.

 

20-30 years ago unemployment rates were very low across all Europe and it was almost automatic to get a visa. Also most women didn't work and chose to be housewives rather than to pursue a career.

 

Different times. Chalk and cheese.

 

I'll ignore the comments on unskilled workforce but your recollections of 20-30 years ago regarding employment and women choosing to be housewives are very different to mine!!

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Advice & opinions given by Caro 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.

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The last 30 years has seen the biggest changes since the industrial revolution. New computer based technology is replacing human labour, at a time when human populations are rising sharply. Asia was used as a source of cheap labour, but those economies are investing in new technology, which means they don't need the same number of workers.

 

The EU is struggling, but it is mainly because of the problems with the world economy. The various governments have not worked out how globalisation works for them. The EU needs skilled migrants such as Doctors, Nurses, Engineers, Scientists, but it does not need too many unskilled migrants, who come to take jobs on minimum wage or below. How can the EU control migration, if they don't have agreed controls on all borders, particularly those bordering countries outside the EU. There also needs to be rules on skilled workers registration, to support free movement across the EU.

 

The UK cannot isolate itself from the rest of the world and even outside of the EU would have to work with countries all around the world on all of the issues including migration. Leaving the EU is not the magic solution to controlling population, as the UK actively encourages migration e.g foreign students, working visas, rights of some commonwealth citizens. It might stop some EU migration, but it might also mean some Brits cannot relocate to EU mainland.

We could do with some help from you.

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This has been said by so many in so many different ways about isolation. The UK will not go outside and isolate itself from the rest of the world. that means cutting all trade deals and ties with every other country etc etc. I've no idea where this idea keeps coming from.

 

You are suggesting that this was the poorest country in the world before we joined Europe when the exact opposite was the truth, we were one of the strongest. Yes things change, but there is no reason why enterprise cannot continue to flourish.

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