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    • The world's largest economy grew less than expected but rising inflation may delay a rate cut.View the full article
    • Hello, Following the submission of my defense, last night I received an email from DCBL indicating that the claimant intends to proceed with the claim (I've attached a screenshot of the email for reference) along with the N180 directions questionnaire. I'm unsure how they obtained my email, but I suspect it was through the courts' form when I completed the Acknowledgment of Service. This email almost slipped my attention. I have also today received a letter from court to state they have received my defense.  It appears they are requesting an online telephone hearing with the court. Could you please advise me on the necessary steps I should take at this point? Thank you for your assistance. Letter-Email 25-04-24.pdf N180 - Directions questionnaire (Small Claims Track).pdf
    • Default Amount £9237.88, all this started in 2006 Admitted debt £9075.65 Weightmans added £1515.01 immediately they became involved, no explanation The Statement shows when Marlin bought debt in May 2011 £10439.25 Their statements, not received until the SAR, are based on this. Cabot deducted £1515.01on their statements in January 2019, again did not find this out until SAR. Weightmans added in  2007 after the CH1 etc was confirmed by the court £741.50, made up of Process server fees, Court Fee (they tried for bankruptcy), Solicitors fee and Land Registry fee. Unspecfied Legal costs were added by Marlin in March 2015, again I did not know this until statements received with SAR I had been paying monthly, without exception until December 2018. I am minded to take the property charge, CH1 amount ,deduct all my payments and the subsequent fees, and request/demand a refund on the final payment made? I consistently disputed Weightmans balances, but they never responded. I also told Mortimer Clarke/Cabot that I disputed their amounts.  
    • Just follow this link and have read of some threads so your familiar with the process https://www.consumeractiongroup.co.uk/topic/347310-legal-n180-directions-questionnaire-small-claims-track/#comment-5178739
    • Sorry,  I'm not familiar with terminology.  Direction questionnaire is what I've seen online as next step. Witness statement: I haven't gone that far, that's why I put the question marks.
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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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Mutating Corona Virus


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6 hours ago, unclebulgaria67 said:

 

plenty of soap and hot water for at least 20 seconds.

 

 

Correct.

 

6 hours ago, unclebulgaria67 said:

 

And don't just clean your hands, you have to wash up to your elbows.

 


wrong (unless of course you are using your elbows to eat with, or using them to touch your face..... but that’s pretty tricky)

Or, if you are scrubbing up in operating theatre, then yes, to elbows 

 

 

Spend the 20 seconds washing your hands.

if you wash up to your elbows you might be wasting 10 of those 20 seconds on upper forearms that don’t matter.

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The washing up to your elbows advice was given by a Doctor on a TV local news programme, as best practice.  Was not explained, why this was required.

We could do with some help from you.

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https://youtu.be/H2E1t3yMXgE

Good Youtube explanation of the virus symptons.

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Tired of hearing this now

 

I've got a headache, cough, aching joints and am constantly tired and I keep getting people turning around when I cough and telling me I shouldn't be out

 

Had a slight cough for a couple of weeks so it's not a good chance its related (although it has got worse) 

The acheing joints is due to sleeping on the floor (have to be in living room to help wife sleeping on sofa with fractured knee) 

 

And the headache and tiredness is just down to dealing with 3 hyperactive kids all day

 

Only good thing is work is talking about arranging work from home

Please note:

 

  • I am employed in the IT sector of a high street retail chain but am not posting in any official capacity,so therefore any comments,suggestions or opinions are expressly personal ones and should not be viewed as an endorsement or with agreement of any company.
  • i am not legal trained in any form.
  • I have many experiences in life and do often use these in my posts

if ive been helpful kick my scales, if ive been unhelpful kick the scales of the person more helpful :eek:

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IMG-20200314-WA0000.thumb.jpg.9649a9f18745d46f2c7c548c161cd882.jpg

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Apparently, according to some psychologists, the reason people are stocking up with toilet rolls is not just in case they are self isolated for 14 days so don't want to risk not having any, but because they are seen as large comforting packages i.e. The size of a packet of toilet roles and the softness, is a comfort against the anxiety they are feeling.

 

If you believe in such psychology !  I suppose it could make sense.

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We could do with some help from you.

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On 05/03/2020 at 12:36, tobyjugg2 said:

"Prime Minister Boris Johnson said measures such as closing schools and banning big events "don't work as well perhaps as people think".

He told ITV's This Morning programme another way of responding to the virus would be to "take it on the chin" and allow it to "move through the population without really taking as many draconian measures".

Mr Johnson said it would be "business as usual" for the "overwhelming majority" of people in the UK"

 

as:

"Downing Street has confirmed that Boris Johnson is in talks with the parliamentary authorities about a possible shutdown if the outbreak continues to get worse."

 

and:

""Commons Speaker Sir Lindsay Hoyle has been holding talks with medical experts and officials about the prospect of suspending Parliament until the worst of the virus blows over"

 

IMHO, they should return Nadine Dorries to Parliament and lock all of the MPs inside.. Food and booze can be delivered to them there.  If they are so confident that the herd mentality will resolve the problem.. then perhaps it might make them consider what their constituents are likely to be facing.

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On 14/03/2020 at 16:52, honeybee13 said:

How sad, Americans won't be able to travel to Trump's golf resort in Scotland. Will it be his Irish resort next?

l🤣

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https://www.dailymail.co.uk/news/article-8116793/Shoppers-queue-buy-CANNABIS-Holland.html?ns_mchannel=rss&ico=taboola_feed_desktop_news

 

This one is priceless.. Forget loo rolls, shoppers queue for Cannabis as the stores are ordered to be closed 🤣

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On 05/03/2020 at 12:36, tobyjugg2 said:

"Prime Minister Boris Johnson said measures such as closing schools and banning big events "don't work as well perhaps as people think".

He told ITV's This Morning programme another way of responding to the virus would be to "take it on the chin" and allow it to "move through the population without really taking as many draconian measures".

Mr Johnson said it would be "business as usual" for the "overwhelming majority" of people in the UK"

 

as:

"Downing Street has confirmed that Boris Johnson is in talks with the parliamentary authorities about a possible shutdown if the outbreak continues to get worse."

 

and:

""Commons Speaker Sir Lindsay Hoyle has been holding talks with medical experts and officials about the prospect of suspending Parliament until the worst of the virus blows over"

 

 

More misquoting going on here.

 

He didn't say the measures such as closing schools doesn't work, he said it's what scientists had told him.

 

You've also selectively misquoted what he said about taking it on the chin. Here's the full version as reported by the Beeb including the bits you edited out:

 

"One of the theories is perhaps you could take it on the chin, take it all in one go and allow the disease to move through the population without really taking as many draconian measures. I think we need to strike a balance."

 

 

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12 minutes ago, honeybee13 said:

Neither would I, but I would like HMG to start showing some compassion for people who are affected and to listen to the WHO advice instead of cherry-picking it.

 

Like what?

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They've done tens of thousands of tests and only around one thousand were positive.  All those negatives were only valid for that moment, same people could test positive a few days later or may have had the diease previously so I'm not sure they tell us anything useful. 

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22 minutes ago, honeybee13 said:

I don't have time to look up the detail right now, but from what I've read they have ignored a lot of the WHO's advice and don't seem inclined to 'test, test, test' as the WHO said today, I think it was.

 

When you say they ''don't seem inclined'' what do you mean?

 

The UK have been increasing testing dramatically  https://www.bbc.co.uk/news/health-51814874

 

The total number of tests have increased from 25,000 to 44,000 in the last week.

 

Even today the UK Chief Medical Advisor said ''We are ramping up testing significantly''.

 

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15 minutes ago, hightail said:

They've done tens of thousands of tests and only around one thousand were positive.  All those negatives were only valid for that moment, same people could test positive a few days later or may have had the diease previously so I'm not sure they tell us anything useful. 

 

Indeed and the problem with mass speculative testing is that it's very labour intensive and takes already stretched nursing staff off the wards where they could be treating those who are actually sick.

 

 

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I think they are working on a test which will tell if someone has had the virus as well as if they’re currently infected.  Guessing that means one which tests for antibodies rather than the virus.  That would give more info and be worth doing.

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8 hours ago, hightail said:

I think they are working on a test which will tell if someone has had the virus as well as if they’re currently infected.  Guessing that means one which tests for antibodies rather than the virus.  That would give more info and be worth doing.

 

Yes that's what I thought when I heard it. Testing for people who basically didn't know they had it (ie who were asymptomatic) and finding out why.

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If you know who has had it you can send them back to work whereas currently we have thousands of people in self isolation who needn’t be.  That would make a huge difference to essential services and even volunteers.

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Has Government reacted in a measured way ?

 

The problem with listening to the experts, is that their advice changes, as new evidence emerges. So a Government that is following the expert advice, appears to be inconsistent and is either applying too many measures or not enough measures.

 

Politicians can never win in these situations. Easy to criticise decisions, but would you want to be in their shoes at a time like this ?

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I guess there is one good thing to come out of this virus disaster.. no one seems to be bothering about Brexit anymore !. 

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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