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    • He wasn't and isn't transferring any funds overseas.  It was 1 small transfer - ironically to me (which he'd done before) - and 2 small ATM withdrawals.  He has a 300/d limit on the card. And can't transfer more than 2k at a time.  This happened a number of months ago. And he isn't able to call the bank from overseas due to health issues.  He's getting his pension monthly (which I set up for him) and he can't access it.  It's a sad state of affairs
    • the RK on a cars v5c is not necessarily the owner nor the driver of a car as long as the person driving is insured it matters not. the bottom line is the VIN Number if push comes to shove that proves without doubt that they are indeed 'the same car' i seriously doubt you'd be that unlucky during the short period this might extend over till sorted.  
    • Sorry but please could you post your documents in a single PDF – multipage single file format. You have seen other witness statements that we want them presented in broadly the same way   Have you read what we have to say about preparing your court bundle?
    • Please will you post up a copy of the claim form in PDF format. If you have difficulty then click upload for some advice is how to do it. It will be helpful if you could just be a little bit more careful about the information you are giving us. What information are you expecting "pre-action"? Please post up the text of the email in which he threatens you with action if you don't respond within 72 hours. Let's also see the email which apparently he sent you complaining that he wasn't happy et cetera…. He said that there are no photos. This means that you don't have any photos? Or that he hasn't any photos? We can help you with this but you are going to have to be a little bit more careful and also responsive. I'm sure you have other things to do it has been 15 hours since we asked you questions and you have come back and responded but not particularly interest the questions we have put to you.  
    • are you defo sure with the wrong name it can be put on my car but not end up with a v5 thats assign to the private plate with arnold when im not that name   last time i had a crash they wanted to see my v5 to make sure its in my name
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      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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    • 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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Self managed DMP but charges getting out of hand

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Ok.. Im in a self managed DMP after an attempt at a DMP with stepchange failed..My creditors have all accepted my offer of £5 a month each and its being going fine for 6 months untill one more debt turned up I had forgotten about..

This debt which was a £52 payday loan had become £181 and although they accepted the £5 offer I looked up the original paperwork and found that the last balance with the original firm ( Ferratum ) was £92...but since being sold on had virtually doubled to £181...

This led me to having a look for other paperwork and on my credit file and I discovered that appart from a couple of high street bank debts which have not had any charges etc added nearly all the 'payday loan' type debts have all nearly doubled or in some cases tripled the original debts due to multiple charges..and Ive now worked out that at the current value ti will take me nearly 9 years to pay off all these debts but if I only paid the original amounts ( including interest just not charges ) it would be only 5 years..

Is there any thing I can do about these charges as these firms all seem to be able to charge what they want literally willy nilly and Im not happy to be paying silly over the top charges if I shouldnt have to..


Any advice welcomed

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Yes get reclaiming the fees. Secondly stay off the phone unless you record them finally get copies of all of your agreements via CCA request send one off to each of your creditors unless it's for a mobile phone as these are service agreements and are not covered...

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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